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

I have two issues. I wasnt sure which on to pick. I am the co-signer of a siblings car as of XX/XX/2016. We with through a car lot XXXX XXXX or XXXX XXXX in XXXX NC. 
The lender is XXXX XXXX who has sold 3 times and now loan is under First Tennessee Bank 1st thing I was misled. They ensured me that I would be dropped from the car loan after six months. They even read a part of the paperwork in a misleading way as though it wouldnt matter about her payment history which I have consulted with credit advisors and they were lying to get the sale they lied about the process of being dropped off the loan just to get the sale. They are located on XXXX in XXXX # XXXX I reached out to the creditors with a good will letter over 3-5 different letters and emails trying to explain why my sister would have been late on payments. She deals with bipolar and sometimes everyday life becomes a task where it affects her work and she may lose employment. The letters go to no avail no one either reaches out to me or contacts me back or they email with hopes of getting back to me and never do.
Product: Credit reporting or other personal consumer reports

There is an account with XXXX on my XXXX XXXX which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My XXXX XXXX states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.
Product: Student loan

In response to the news about various complaints made against Navient, I wanted to also share my experience with the student loan servicing company. I have student loans from my XXXX eductation that my mom pays for. They were set up to automatically withdraw from her account and had been since I graduated nearly ten years ago. I do n't pay much attention to them because she pays them but they are in my name and attached to my credit report. I started a XXXX in 2015. Upon enrolling Navient automatically stopped the auto-withdraws from my mother 's account without asking permission to do so or even so much as informing either one of us. While you are allowed to stop payments when you are enrolled in school, you still accrue interest. I never intended to stop it nor did my mother. After a few months, she noticed it was no longer withdrawing and thought maybe it had been paid off. She asked me about it several months later. Luckily I was still enrolled in school so the lack of payments did n't impact my credit, but neither of us were aware that they had stopped payments and thus neither of us would have been aware that we would need to set that up again once I finished. I went online to try to set up payments again and could not do it. ( I have attached a screenshot of the screen to set up auto-payments where it says my accounts are not eligible ) Therefore, my loans, which my mom had no issue continuing to pay, are sitting there accruing interest because they wo n't accept auto-payments while I am in school. I believe this was a deceptive practice designed to create more income for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to say that TransUnion has failed to respond to my recent dispute that was delivered on XX/XX/2019 via certified mail. it is now XX/XX/2019. I have disputed 3 accounts on my credit report and noticed that i have yet to receive the results or my updated credit report. I have went to the TransUnion dispute center on XX/XX/2019 at approximately XXXX on the website and noticed that nothing was there under my account/name. I have requested that i be informed how they have verified the disputed accounts and on both occasions ( 2 dispute letters, this company has failed ). Since these accounts have not been verified/validated within the 30 days allowed to postmark a response, I strongly request that the items be deleted. I have been denied credit line increases on multiple accounts. i have also been denied a home loan due to the negative accounts that have yet to be validated listed on my current credit report.
Product: Credit reporting or other personal consumer reports

TD bank do not want to close my account due to incorrect password.
Product: Credit reporting, credit repair services, or other personal consumer reports

The State of XXXX  Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of XXXX  Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from Experian, XXXX  and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XX/XX/XXXX off of my XX/XX/XXXX Credit Report. Thank you so much.
Product: Bank account or service

Webster Bank ran a transaction on an account I had requested closed, overdrawing it, and then levied a penalty representing 100 % of the transaction. 
I had XXXX accounts with Webster. On XX/XX/XXXX in the Webster online portal I performed two transactions : I sent a secure message to close XXXX account, which I had emptied, and paid XXXX credit cards totaling {$110.00} in a single Bill Pay transaction. 
Webster ran the Bill Pay transaction first from the empty account, overdrew the account and then refused the close account request because the account was now overdrawn. They then levied three separate {$37.00} fees for {$110.00} total, equal to the whole Bill Pay transaction. 
I have been in contact directly with Webster several times but they agreed to refund only {$37.00} of the {$110.00}. I am requesting the remainder because : 1. I had already requested the account in question be closed. 
2. It was a single transaction within Webster 's online system, yet three penalties were levied. 
3. The empty account was selected by default and the second account hidden in a dropdown menu. 
4. The empty balance was not shown in either the confirmation prompt or the transaction receipt. 
5. An equivalent transaction would have been refused in branch - a teller would not allow you to make an internally-requested transaction from an empty account, this is a flaw in the online system only. 
6. A {$110.00} total penalty for a {$110.00} total transaction represents an unfairly high penalty.
Product: Credit reporting

i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

There was consistency wrong information recorded when creating my business BlockFi account. The most important is that they recorded a personal SSN, as the ownership, and not a company XXXX when setting up the corporate account. In the last 3 years, that XXXX has been recorded on IRS forms instead of the company XXXX. This has resulted in thousands of dollars due under a personal income tax bracket instead of the corporate one. I have informed the company of their mistake each of the last 3 years, and continue to be assured that " it's been taken care of ''. However as of today, the XXXX form for year 2021 still has the XXXX and remains that way with the IRS.
Product: Debt collection

I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency have completely ignored my request and have given no written correspondence in regards to my matter. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency is ruining my my reputation and creditworthiness and is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted Navient my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as Navient is doing illegal collecting and reporting.
Product: Checking or savings account

I woke up and got a notification that my debit card what not able to use for XXXX XXXX due it being suspended. So I called chase bank customer service and was told that my account had a restriction on it and I needed to be transferred to the fraud center. I got transferred and wasnt not given any explanation on why it was being closed because and that when I opened the account I signed and discloser that the bank didnt have to provide me with any information if the bank chooses to close the account.
Product: Credit reporting or other personal consumer reports

I was never late on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The months that's stating I'm late is XX/XX/2023, XX/XX/2023.
Product: Debt collection

I am trying to dispute a collection notice on my credit report. I am also a victim of identity theft and have filed with the federal government and have notified all XXXX credit agency. I never received any information regarding this collection until my XXXX XXXX dropped XXXX points in XXXX XXXX. I have contacted the credit agency and I have contacted the company that sent this to collection. I have asked both companies to send me all paperwork tied to this collection and have not received any communications. 

In XXXX a collection notice hit my credit report from Credit Collection Services. It was for {$2500.00} for a XXXX account. 
Disputed charge with XXXX I immediately contacted both companies. 
Immediately filed a Identity theft with the XXXX government : report # XXXX Filed a police report Called reporting agency and they hung up on me before I could request paperwork Froze my credit report Called back ... still no paperwork Still on my credit report
Product: Debt collection

Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.
Product: Credit card or prepaid card

I have a RushCard debit card and my online account password was changed without my knowledge, a request to setup a card to card transfer was requested, once set up  XXXX  card to card transfer transactions were requested,  XXXX  for {$390.00} and another for {$600.00} by  XXXX  different people on  XXXX   XXXX   2017 . When I received the alerts via email of what was going on I immediately contact RushCard. I was told that they would further investigate. I submitted a dispute form and a letter to RushCard.     RushCard gave me a credit for the {$390.00} but refuse to give me credit for the {$600.00}. Their dispute department states that they do n't show an error with the transaction for the {$600.00}. I have written several letters and submitted the emails I received from RushCard.     The transactions happened at the same way, by  XXXX  different people at the same time and on the same day so I do n't understand why RushCard is not finding an error with the {$600.00} transaction but find an error with the transaction for {$390.00} When I speak with a representative from RushCard they try to make me feel like I am the criminal and requested the card to card transfer and I know the person who got my {$600.00}. Like I said to them if that was the case than why would I be fighting to get my money back. It makes no sense. I am a single mother who lives paycheck to paycheck and need every dime of my hard earned money. Also, I do n't know of any other RushCard holders to transfer money to.
Product: Checking or savings account

Have filed the multiple dispute complaints with prepaid Bank of America EDD debit card due to fraudulent transactions all disputes have been denied every time
Product: Credit card or prepaid card

I have an auto-pay with XXXX XXXX for my monthly service. Due to a cyber attack I did not receive my XXXX bill. The last bill I received from XXXX XXXX was on XX/XX/XXXX ( auto-paid on XX/XX/XXXX ). On XX/XX/XXXX, I was charged by XXXX an amount that is {$10.00} more than my normal amount. My attempts to contact XXXX have been unsuccessful. Their site is down so I can't access my account ( attached is a screen shot of their current site ). I've tried to call several times and their call center is overwhelmed so my call is either disconnected noting they are experiencing abnormal amounts of calls and to call back or put on hold with a hold time of 50-59 minutes. I waited on one of these calls for 55 minutes to finally talk to a person who put me back on hold. After about 20 more minutes, the call got looped back to the normal customer service. I have even tried to send a private message on XXXX which fails. 


In good faith ( since I know my normal amount due ), I only disputed this additional charge with my Credit card company ( Capital One ). 

- After the first call on XX/XX/XXXX, I received an update letter with the incorrect dispute amount and asking for the information I gave over the phone. I promptly sent that back. 

- On XX/XX/XXXX, I received an update stating I didn't provide the necessary information. I called again on XX/XX/XXXX & was told they'd update my dispute amount and start the investigation again. 

-On XX/XX/XXXX, I received XXXX Dispute update letters. Two were the same as I received on 3/13 in different amounts ( one with for {$1.00} and the other for the correct {$10.00}. The third was to disregard the letter I received on XX/XX/XXXX. I filled out the one with the correct amount of {$10.00} and sent it back. I noted I don't have access to my account and can not contact the vendor. I put the website ( mydish.com ) and phone number ( XXXX ). 

-On XX/XX/XXXX, I received a resolution letter for the amount of {$1.00}. I called Capital one on XX/XX/XXXX and was put on hold for 45 minutes only to be told there was nothing they would do about this dispute because I failed to provide my bill showing I was overcharged. I tried to explain again that I didn't receive a bill and they refused to do anything. 
Credit card companies are supposed to protect consumers from issues like this & they did nothing to assist me. Im not sure what else to do except file a complaint since I cant get anyone to help me with this issue. 

Attached is the last Dispute letter I sent back to them and the screen shot of what I get when I tried to access my Dish account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Our ZELLE payment feature has disappeared without notice or reason and we do not know who is to blame, as both XXXX XXXX, Zelle and XXXX blame each other. 

Please investigate and advise.
Product: Debt collection

In XX/XX/XXXX I was contacted by ASCI requesting to settle a debt with XXXX XXXX. I declined until I was provided accurate documentation as I had already disputed this collect under a different company and it was removed. In XX/XX/XXXX I contact XXXX and they stated the amount was {$63.00} not the {$190.00} that ASCI is reporting. I have tried to make contact with ASCI to removed this from my credit immediately as they arent reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I STARTED AN INVESTIGATION AND THE CREDIT BUREAUS MISTAKENLY PUT THE WRONG ACCOUNTS UNDER DISPUTE. I DISPUTED : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX AS YOU CAN SEE ON MY FTC REPORT, I DID NOT DSPUTE THE OTHER ACCOUNTS. THEY DELETED ACCOUNTS THAT BELONGS TO ME.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate personal information.
Product: Credit card or prepaid card

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WELLS FARGO CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item being reported fraudulently to my credit files with XXXX, XXXX  and XXXX from Citicards. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with Citicards, XXXX, XXXX and XXXX, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission Lawsuit Against XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX Account Number : XXXX  Amount XXXX Date opened XX/XX/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
Product: Debt collection

No contract. XXXX charged an early termination fee olus late charges when there was NO CONTRACT
Product: Credit reporting or other personal consumer reports

I have sent them XXXX and TransUnion my state issues drivers license my government social security card and also my w2 with my information all showing the same well over 12 times now they have yet to correct the issue I am unable to retrieve my credit score and my fico scores I have asked multiple times and sent everything they have asked for I need help
Product: Debt collection

I made arrangements with Navient earlier in the month. I let XXXX know I would be calling before the end of the month to make a payment. They documented this because they let me know each time I spoke with them. A representative from the company would call me several times a day, sometime hanging up in my face to annoy me. I use my cell phone for work. This company calls me from several different numbers throughout the day which makes me think they are clients or work-related. I answered the times I was available and let a representative know that the XXXX phone number called me several times each day hanging up in my face. They said it was an auto-dialer they have that does this. I let them know this was extremely annoying and I felt harassed with all of the calls especially the ones that hung up on me. On Friday XX/XX/XXXX I spoke with Navient representative XXXX ( employee number XXXX ). I asked XXXX to discontinue the calls to my personal phone and reminded her of the arrangement I 'd made previously that I would call before the end of the month to make a payment. XXXX let me know that was not a suitable arrangement. I told her that was the best arrangement I could make at this time. I 'd requested at XXXX that the call ended with the arrangement on file. XXXX refused to disconnect the call and in fact transferred me to her supervisor who continued to badger me for an explanation. I let her know that Id asked them to end the call at XXXX seconds. Supervisor XXXX ( XXXX ) also refused to disconnect the call and stayed on the line an additional XXXX minutes continually repeating my name baiting me for an argument while I remained in silence after I let her know that I would no longer be engaging due to the harsh nature of the call and my previous request to end it. After several minutes of her badgering me in silence she finally concluded that she would document the entire call and that she would be sure to call back. I am very annoyed at the badgering, the attempts by agent XXXX to bully me with her supervisor ( after I 'd asked she disconnect the call ) and Supervisor XXXX attempts to bait me into a verbal altercation.