23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX 2015, I obtained an auto loan through Credit Acceptance for a XXXX XXXX XXXX with 69,999 mileage the asking price for the vehicle was XXXX with gap insurance included bringing the total to XXXX approximately. At the time I was deciding between two other companies for better priced vehicles with different financing terms. I was constantly contacted by the dealer through text/phones various times of the evenings to obtain the vehicle. Needless to say, I went for the deal, because I believed that the dealership had my best interest and offered me a connection with better finance company according to the dealership. At the time I was n't making much money, related to my return from a medical leave for 3 months prior. However, the loan was pushed through, and I was told by the dealer that no matter what I could and would be approved. Later on I realized why ; the finance company required a GPS device to be placed on the vehicle which was discussed after i signed the agreements and paid the down payment. If that was made known to me prior to signing, I would 've declined the offer and went to the other dealerships. I experienced much hardship with Credit Acceptance my vehicle was repossessed twice for only being 3 days late, and I had to pay the note plus an additional {$1500.00} in repossession fees, each time not included the 50-100 $ storage for belongings taken out of the vehicle. This was very humiliating and as a XXXX XXXX, I was not willing to accept this. I reached out to the finance company directly several times only to hear different explanations for the reasoning behind the excessive fees with the payment arrangements and/or repossession terms. I asked for a pay off amount and was told that the pay off was {$36000.00}! That is nearly double the price of the vehicle, and I asked for a break down of my loan and terms, the company declined to provide it to me, and one agent even said, what did I think? I knew the loan was for {$680.00} per month for 66 months! I would like people to be aware of predatory lenders such as credit acceptance, and I am looking towards filing litigation towards this company in relation to their actions which have caused me much anguish and hardship. I am a XXXX survivor and a divorced mother of XXXX small children who depend on me and I refuse to allow a company to deceive or manipulate me with these tactics.
Product: Student loan

I paid nearly or close to {$XXXX}, mostly in interest, for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX beginning in XXXX. I decided to leave the " XXXX  '' and " XXXX  '' after XXXX  year instead of the XXXX  years I signed up for because it was obvious everything about it was a scam. Except I was on the hook for a lot moneyy XXXX semesters in, with no means for a refund, and young, optimistic eyes. I did manage to get a piece of paper ( diploma ) out of the 1 year, but that isn't worth the frame that was bought for it, and the frame used for better things -- can't say if the paper is still around in a filing cabinet or something. 

In the last decade that entire school closed. I reported their shady practices to the CFPB in XXXX without much resolve. Thanks to millions of others and change in administrations, eventually XXXX vs. XXXX ruling restore some balance to a corrupt apparatus. In XXXX I was sent notice of a XXXX XXXX XXXX approval for unlawful conduct. Those loans were XXXX as of last week ( XXXX  months later ). This is certainly a victory. But who did I pay {$XXXX} for an why? This was all unlawful conduct of a for profit business that no longer operates because of how unlawful it was run. Why did I pay the federal government for that? 

I reached out to the loan servicer, Navient, for updates about when my credit report would reflect this change and any comments about refund eligibility. After verifying the loan and balance were removed at XXXX. I was sent the following ( unmodified ) reply, " Thank you for reaching out to us in regard to your current account status and Credit Report. 
Please be advised that accounts that are paid in full will be reported to the XXXX XXXX XXXX at the end of each month. 
I understand how that can be confusing. Only payments made directly to the XXXX XXXX XXXX are eligible for a refund. Although the Department granted loan discharge based on your attendance at [ insert school ], they did not authorize refunds of any past payments made on loans they did not own. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( XXXX  # XXXX ). 
ref :! XXXX.! XXXX : ref -- -- -- -- -- XXXX XXXX -- -- -- -- -- I received a federal loan discharge letter on XX/XX/XXXX and would like to know an estimate when this will be removed from my credit report. 
Further, I would like the XXXX and promissory notes, master promissory notes, disclosure statements, and any documentation related to my refund eligibility. I saw no mention of the money I paid for a fraudulent school and program. ''
Product: Vehicle loan or lease

Auto dealer made an inquiry on my credit report without permission. When I objected they claimed it was for identity verification.
Product: Credit card or prepaid card

I had put a charge on my chase freedom card on XX/XX/XXXX for XXXX for a XXXX charge. When arriving to the property with my family ( a member who is on active XXXX treatment and very susceptible to illness ) the house had not been cleaned from previous guest. The sheets were dirty, dishwasher filled with smelling dirty dishes, ice maker in freezer broken and leaking onto the floor. Surfaces in house sticky with crumbs. The dishwasher had not been started by the previous guest because it was broken and would leak on floor when started. We had to hand wash the dishes through our stay. I spent the first 2 hours of our short vacation cleaning the cabin to make sure my mother had a clean area. where we were not worried she could contract a XXXX XXXX XXXX. since on XXXX treatment that could be detrimental. I had spoken with the property manager at the time and was told " that is odd '' and that he will follow up with the owner about the broke appliances. He not once addressed the disarray the house was in. After our stay I called the property manager again getting no where so I called the company XXXX who told me that they cant help me. So my last resort was to dispute these charges for the cleaning fee with my credit card chase under the idea that services rendered were poor or not as described in the listing. Chase said because we stayed at the property instead of packing my family up and driving 3 hours back home they can not help me. After reading the Fair credit billing act its my understanding that I have some sort of recourse for poor service. They dont seem to think so... so I am reaching out to see my next options on getting this handled because my credit card company won't.
Product: Checking or savings account

On XXXX XXXX I was to pay bills online using my online banking account with Bank of America. After logging in and before I was able to use any online banking functions I received a pop-up asking me to verify my personal data. I thought this indicated that someone was hacking into my account ... .asking me to verify my SSN, address, and whether or not I have dual citizenship! These questions are inappropriate and highly intrusive! I suspected a hacker and still do. I called the bank and they referred me to their compliance office, which I can contact after the holiday. 
I could not x out of this request and want verification that this request is from thebank and not from a hacker! Moreover, to ask whether I have dual citizenship is intrusive and inappropriate ... I suspect if this is not the request of a hacker it must have something to do with the regulations or repeal of regulations administered by our lousy XXXX. 
I will contact BOA 's compliance office this week and am in the meantime reporting this request to the XXXX for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was alerted by Experian that XXXX XXXX  HAS REPORTED A COLLECTION of {$3900.00} ON MY CREDIT REPORT WHICH IS A COMPLETE LIE. THEY STATE THAT THE ACCOUNT WAS OPENED IN XXXX OF 2022. Its a lie. I havent opened any new accounts. It is doing unfair practices of re-aging accounts which is illegal in numerous forms. I disputed this With Experian and they came back in less then 48 hrs claiming it was verified which it clearly isnt. I want this collection removed from all of my credit reports and want to take them to court for re-aging.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Received disclosure notice dated XXXX/XXXX/XXXX from XXXX Mortgage. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XX/XX/XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for XXXX. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from EQUIFAX.
Product: Student loan

I took out private student loans from XXXX XXXX when I attended college between XX/XX/XXXX-XX/XX/XXXX. I had 4 loans from them, which they had separated into two groups. I have been paying the two groups separately assuming each payment would be applied to the " loan group '' I was making the payment for. <P/>Long story short, I was paying over the amount due to each group, assuming the overpayment would applied appropriately to each group. I have recently discovered that was not the case, they were combining the payments and not applying them the way I believed they would be applied. Example I owed {$200.00} on group a, and paid {$230.00} to loan group a, I owed {$250.00} on group b, and paid {$270.00}. In all they combined the payments to total {$500.00}, and applied only the owed amount ( some cases slightly over ) to group a, and the rest to group b. <P/>My question here is : Can they combine, what I believed to be, 2 separate payments and apply it as they deem fit? I have been paying these loans back since XX/XX/XXXX and have barely made a dent in two of them, one is paid off and another is about to go over the original term agreement for repayment, which I believed would not be an issue because I had been paying over the amount owed each month.
Product: Debt collection

Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Saturday, XX/XX/XXXX I received notification via mail from " PayPal Credit/Synchrony Bank c/o XXXX XXXX XXXX, XXXX '' of changes to my account terms. 
I am a regular Pay Pal user but have never had any credit account with Pay Pal. I called to inquire about this notice and was informed I had an open Pay Pal Credit account with a {$15000.00} ( XXXX XXXX ) credit limit that was opened on XX/XX/XXXX. This " virtual '' ( their description ) account has standard credit account fees including late payment, APR 's, cash advances, etc., and as of the date on the notice ( XX/XX/XXXX ) is managed by Synchrony Bank. It also should be noted while this account has been open since XX/XX/XXXX, this is the first communication I have ever received. 
I immediately had the account closed and subsequently has a conversation with " XXXX '' in customer service at Pay Pal Credit about how an account was opened in my name without my authorization. She informed my Pay Pal had all the necessary information including my SSN to open a line of credit but they do not keep records of signature authorization as they are a " virtual company ''. XXXX also informed me concerns about the potential impact this could have on my overall credit rating was null as Pay Pal does not report to the credit bureaus. While that may be true, Synchrony Bank services Pay Pal Credit accounts and they do. 
I initiated a fraud investigation with Pay Pal Credit over my concerns Pay Pal is opening lines of credit for their users without proper authorization. ( Of note, my mother-in-law received the same notice via e-mail about her Pay Pal Credit account which she never opened. She is in her XXXX 's and wouldn't even know how to do this. ) I did not authorize Pay Pal Credit to discuss my account with law enforcement without my participation in the conversation.
Product: Debt collection

I recieved medical treatment from XXXX XXXX, paid all invoices that were my financial responsibility. Final bill was paid XX/XX/2017 via XXXX Debit Card. 

One year after payment, AR Resources reported to all credit reporting agencies that I had an open account for collections for the medical bill I already paid. 

I contacted XXXX XXXX, they told me that my balance was {$0.00}, and that they would contact to AR resources to inform then of payment. 

I contacted AR resources, they told me could not do anything until XXXX XXXX   contacts them. 

Two weeks later my credit score continues to fall due to an account that I have paid in full a year ago. There is a breakdown in communications between the two parties, and whose fault of them, not mine for not communicating with each other, is affecting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account identity theft
Product: Credit card

I have been using Chase Credit Card for more than a year, with XXXX XXXX and XXXX XXXX. As of last month, I have accumulated a total of more than XXXX points without spending any of them. 

On XX/XX/XXXX, I found that I only had a XXXX XXXX Chase UR left. I clicked on the activity and found that all the points on the two cards were converted to XXXX gift cards on XX/XX/XXXX. The email that received the cards was the email bound to my Chase. But It was not me! They were stolen. 

I checked the login records of the email and failed to find any emails regarding XXXX gift cards. According to the activity records of Chase 's two cards, the operator even knew how to round up the transfer points between the two credit cards. 

I contacted customer service on XX/XX/XXXX and submitted applications for UR point recovery ( for my two cards ). They gave me a new card and changed my account login information. 

I just received two mails today and found out that my requests were rejected by Fraud Department! Reason - you received benefit from the transaction. Before that, every time I called Chase customer service to check in on the progress, it took me over an hour. Even though I was transferred four or five times, I still couldn't contact the fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I put in a request to have a collection notice removed from my credit report, as it could not be verified. I was assured that the collection would be removed, but I reached out to XXXX and they confirmed it had not been. Please remove that collection immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally dispute and request the correction of inaccurate information on my credit report regarding the XXXX XXXX XXXX account, with the account number XXXX. 

Contrary to the reported information, I have never been late on payments for this account. I have engaged in communication with the bank concerning this matter, and they have acknowledged the inaccuracies in their reporting. The late dates associated with this account were mistakenly attributed due to a family tragedy, which the bank has recognized as a valid reason for the oversight.