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

On XX/XX/XXXX I went to purchase/lease a new XXXX from XXXX XXXX XXXX during the final negotiation i requested to not include certain items in the total price, at which time i was told multiple times, 'it can't be removed, it's already in the price and/or installed in the vehicle '. I went on to finalize the terms of the new lease, at a total price over $ XXXX assuming that to be true. XXXX of the items included in the transaction was 'lifetime ' oil changes, etc. I pulled up the printout of my agreement to find out how to go about using this option since my truck was due for an oil change. Other than the contract showing a charge for the oil changes, there was no information of the product, including what was actually purchased, how to use it, or even how to cancel it. Upon further review of the approx XXXX pages of documents given at time of purchase, i noticed that ALL the products i originally asked about at time of sale were all listed as 'optional'.. At no time was i told these could be removed. Since I understand i should have read the contract when signed, i figured i could just read the paperwork and learn how try and cancel. At that time i discovered that none of the items included in my new transaction came with any information as to XXXX ) What i bought XXXX ) How to use it XXXX ) How to cancel it. As a matter of fact, some of the items referenced pages and information that I was never given. There are even websites listed on the documentation that claim to have information on the items, which do not even work and just go back to the XXXX home page. 

I contacted the XXXX finance department in XXXX, and was promised a followup call, which never happened. In XXXX i contacted someone again stating my displeasure for being charged to items i didnt want, as well there being missing pages in my agreement that were supposed to include how to cancel these products. At that time, the finance manager ( XXXX XXXX told me the only way i could cancel was to go into the office and sign some papers, which i refused. After i told him this seemed illegal, he sent me a document for myself and my wife to sign and it would be processed. On XXXX, we signed the form which only allowed us to cancel XXXX of the items in question ( he said that only XXXX of the items in question could be cancelled ). As of today XX/XX/XXXX, i still have heard nothing from anyone, not have i seen any adjustment in my lease balance.
Product: Credit reporting or other personal consumer reports

Remove the following accounts from my credit report because they are not mine. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX XXXX XXXX, and I am pleading with you to remove them immediately.
Product: Debt collection

They have called my sister three times in one day, on XXXX/XXXX/2015!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted basic personal information and income on XXXX for the purposes of refinancing an auto loan. 

During the process, the online service asked me for the last 4 digits of my SSN. Also, it stated this was not a hard pull of your credit and wouldn't affect your score. 

Since submitting my information XXXX  ( loan service provided affiliated with XXXX ) has sent my information to banks and they are hard pulling my credit. 

I have called the banks which directed be to contact XXXX which in turn directed me to contact XXXX XXXX. They admitted that it says that in the process but in the T & Cs, it says they sell the information to external vendors who with basic personal information and the last 4 digits of my SSN, retrieve my full SSN and start applying on my behalf. 

This is completely deceptive practices and adversely effected my credit. I am hoping the CFPB can step in and resolve this terrible practice.
Product: Credit reporting or other personal consumer reports

This account was reported as " XXXX XXXXXXXX '' to all three credit bureaus, but I have not received a 1099C from USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. XXXX   removed it 4 years ago, and is not removing it this time.
Product: Debt collection

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt or credit management

This is XXXX, a debt collector. We have an important message regarding your outstanding balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a debt collector. You can save XXXX XXXXXXXX XXXX XXXX has five credit card balances. I just noticed in Saturday XX/XX/year> that accounts that were not showing up on CR are now bs k on there. Lower my CR usage from 93 % to 73 %. 
This is what Im experiencing. I dont know who to pay. I get emails from one company and another company shows up in credit report. I have went as far as paying some of these balances and they show up under another companys name. And I have even gotten my check garnished for amounts I thought was paid. So that why I paying.
Product: Debt collection

My income was reduced during COVID and I notified my landlord at XXXX XXXX XXXX in XXXX XXXX, CA ( XXXX XXXX ) immediately. The landlord is XXXX XXXX. I paid XXXX  % of my total rent per the legal eviction moratorium local requirements as I understood them. The landlord never reached out directly to settle the debt. 

Recently my XXXX  credit score, which was excellent, was impacted by a company named Kimball Tirey and St John with a recent debt claim ( dated XX/XX/2024 ). The debt is actually XXXX XXXX XXXX, according to the XXXX  delinquency date. The credit report might affect my ability to secure a rental unit. My report was impeccable for decades before this recent debt collection request. I am reaching out to XXXX XXXX tenant union to explore my legal options. I wanted this debt to be reported as XXXX XXXX XXXX instead of XX/XX/2024 date which is inaccurate. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.
Product: Debt collection

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request to Remove PNC Bank Repossession and Charge-Off Entries To Whom It May Concern : I am writing to formally dispute and request the removal of inaccurate negative information reported by PNC Bank on my credit report. These entries include repossessions and charge-offs related to the following accounts : XXXX. XXXX XXXX XXXX ( Repossession ) XXXX. XXXX XXXX XXXX ( Repossession ) XXXX. PNC Bank Credit Card ( Charge-Off ) Background and Issue In XXXX, I provided evidence demonstrating that PNC Bank failed to give me adequate time and notice to pay off the balances of all three vehicles, despite my willingness to resolve the accounts. Specifically : I successfully paid off the XXXX XXXX XXXX, showcasing my commitment to fulfilling my financial obligations. 

Despite my efforts, PNC Bank repossessed the XXXX XXXX XXXX and the XXXX XXXX XXXX without properly allowing me the opportunity to make arrangements for payment or recovery. 

Regarding the PNC Bank Credit Card, I was never provided with the notice PNC Bank claims to have sent regarding final payment. I never received such correspondence, which denied me the opportunity to resolve the balance before the charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, creditors are required to provide proper notification and allow reasonable time for consumers to address outstanding balances before taking adverse actions, such as repossession or charge-offs. PNC Bank 's failure to meet these obligations has resulted in unjust damage to my credit profile. 

Formal Request I kindly request the following actions to resolve this matter : 1. Immediate Removal of the repossession entries for the XXXX XXXX XXXX and XXXX XXXX XXXX from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

2. Immediate Removal of the charge-off entry associated with the PNC Bank Credit Card . 

These negative items are unjust and inaccurate based on the circumstances described above. I have acted in good faith and believe PNC Bank 's handling of this matter failed to align with their obligations under federal law. 

Resolution I request that the CFPB review this matter thoroughly and take the necessary steps to ensure PNC Bank complies with its obligations under the FCRA. This resolution is essential to restoring my financial standing and ensuring accurate reporting. 

Thank you for your time and attention to this matter. Please confirm receipt of this letter and provide updates on the status of my request. I look forward to your swift action to resolve this issue fairly and accurately. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Started with covid and Hurricane SallyXXXXDate would have been around XXXX of XXXX.Missed work because of Covid.Then hurricane Sally destroyed my home.Insurance did not pay filed bankruptcy.Mortgage went into forbearance.Have been trying to negotiate since.
Product: Debt collection

This company reported several accounts on my credit file that are unknown, I requested validation and they were ALL removed and now they are back. Please help nothing was received nor provided. This is false information against me. 

Listing show Fox Collection {$450.00} Fox Collection {$370.00}
Product: Credit reporting or other personal consumer reports

These accounts contained in my credit report do not belong to me. The dates that the account were open I was not having my own residence. I have been XXXX  for the past XXXX months and my car has been my residence. The dates were XXXX XXXX  and XXXX. These accounts are fraudulent. .The accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!
Product: Credit card or prepaid card

As an XXXX year-old citizen, I know very well my vulnerability to covid-19 pandemic, so I got onlineto purchase face masks in early XXXX. The seller was XXXX.It charged me {$160.00} for 3 masks plus 2 as a reward. When FDA announced 66 XXXX mask-manufacturers, I emailed the seller twice, warning him I would cancel my order if his merchandise were made by any of the 66 XXXX mask-makers. But he just ignored my requests for verification of his goods. This is why I returned his package unopened on XXXX XXXX and emailed the USPS tracking number XXXX to his agent XXXX XXXX , asking for a full refund, which she promised to provide once the return package arrived. Unfortunately, my three consecutive emails were declared unable to deliver by XXXX, disconnecting my continued requests for the refund. 

So I had to try to ask Paypal for help.Paypal promised me that the refund depends on my providing the USPS tracking number for investigation. However, Paypal some time later claimed that my return package was delivered to a wrong address, to which I strongly disputed, telling Paypal that the return address had been copied character by character on the seller 's package 's upper-left corner. which, common sense can tell, must be related to the seller. Paypal argued that the return address should be XXXX XXXX XXXX XXXX  XXXX, XXXX, FL.XXXX, which was given to Paypal long after I turned to it for help. 

However, as Paypal has insisted on its argument in favor of the seller, I had to refer my case to XXXX  for its assistance. But XXXX  of XXXX XXXX XXXX has taken no action so far. On XX/XX/XXXX, I tried to call XXXX and talk to a lady representative, who told me to try emailing to XXXX instead. I did, but there's no response as of today. 

On XX/XX/XXXX, in the wake of my threat of turning to XXXX, XXXX XXXX, agent of XXXX responded at last. Talks were resumed with little result.I warned her that it would be a crime if her company intentionally gave a customer a treacherous return address. But she ignores my advice. 

I have got online and kept talking with Paypal agents in the last two months. A few of them sounded willing to help, but no action was taken. An agent named XXXX advised me to directly appeal to Synchrony Bank, to which Paypal is related.she went so far as to provide me with the Bank 's checking account and its routing number as well. However, since the last four digit of my Paypal credit card she provides ( XXXX ) is different from my record ( XXXX ), I can't help wondering if her information is true. 
It might be a crime for me to take action hastily. 

Conversations between Paypal and XXXX would be provided at your request.
Product: Student loan

I requested a refund of {$10000.00} from EdFinancial for a portion of my loan payment paid after XX/XX/XXXX. I requested the refund via phone call on XX/XX/XXXX and they said they would submit a request for a refund but were unable to provide any confirmation that I submitted a refund request. I have called again on XX/XX/XXXX and they told me my refund wasn't on file so I asked for them to submit a refund request again. Since then there has been no update about my refund. The people I have spoke to at EdFinancial have not provided any information as to the status of my refund and each person I talked to has been extremely unhelpful and will not give me any clear information about my refund.
Product: Checking or savings account

Was continuously lied to by customer service. Asked to routed to a supervisor was routed three times to a guy to tell me Chime doesn't have supervisors. Then after calling back a different agent assured me he handled the situation but it was a lie to get me off the phone. He did nothing. Then when I tried again with support chat chat was ended by supposed supervisor that doesn't exist. All of this cost me my home and half days work. They messed up and instead of fixing the problem there constantly lieing to cover there XXXX
Product: Debt collection

My vehicle was XXXX XXXX XXXX, it was stolen during a carjacking in XXXX. I explained to the bank that the car was not in possession any more. I tried myself to get the vehicle out to XXXX police impound. They detective over the case said that the vehicle was held for evidence and later released for pick up. I called the bank and let them know that they can pick up car since it was damaged during the theft. Credit acceptance is charging me full price is something that I dont have and I cant afford to pay them back
Product: Debt collection

As of XX/XX/2019, I checked my credit profile and noticed an account in collection from CBCS for XXXX XXXX XXXX. I immediately contacted XXXX and the collection agency CBCS to notify them that this account was a fraudulent account that did not belong to me because I have never been to that hospital before. On XX/XX/2019 CBCS responded to my dispute and sent me a letter stating that after investigating my dispute they have stopped all collections activity on this account and requested that the credit bureau remove the collection account from my credit report. What occurred after this letter was sent to me has left me confused because according to the credit bureau, CBCS removed the account from collections for a few day then reopened the collections account. On XX/XX/2019, I called XXXX to check the status of the collections removal and the representative stated that they determined the account belong to me. At this time the collection agency and XXXX  are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Product: Student loan

I am default on my Fed Student Loans. I was contacted by Navient ( XXXX ) to work with me to rehabilitate my loans in XX/XX/XXXX. After going through a 1 yr program paying {$50.00} a month I received a new bill from Navient increasing my payments by hundreds of dollars. 

I contacted Navient to see what could be done to reduce the payment back down and automated phone system would just reroute my account to speak with an associate that refused to discuss my Fed Student Loans until I paid off a private debt they had on me. 

I was not aware and could find no documentation of a seperate debt and informed the associate I was calling to dicuss my federal student loans. Which he refused to discuss. This took place late XX/XX/XXXX at which point i once again had no choice but to let my loans go into default because Navient refused to discuss my repayment plans. 

I am once again trying to figure out how to get my student loans under control from XXXX which has since closed due to the remove of Fed funding by the Federal Department of Education. I have now learned that the Fed is sueing Navient for the exact issues that led to my loans going into default again as well.
Product: Credit card or prepaid card

A credit card application for Bank of America was placed in my name on XX/XX/2022. I received the actual credit card in the mail on Thursday, XX/XX/XXXX. I called Bank of America as soon as I received the credit card informing them that this card was fraudulently opened in my name. I informed Bank of America that I wanted this card closed as soon as possible. I also was informed that a change of address was also placed in my name, but I am not moving from my current address. I am currently contacting the XXXX XXXX to report false of address change. 

Thank you, XXXX XXXX
Product: Student loan

I applied for the SAVE IDR program on XX/XX/23. Initially, it looked like it was processed as it showed a new payment amount of {$0.00}, but I continued to get a notification on my Nelnet home page that it was still being processed and to allow 15 days. 4 weeks later it is still being processed, 4 of my loans were placed on the SAVE program, but the other 4 were placed on standard payment, totaling {$880.00} per month starting on XX/XX/23. There was absolutely no explanation, no email, or any other attempt at communication. Ridiculous. 
After 2 hours and 45 minutes on hold, I was able to talk to an actual human, who did not know very much about it. She walked me through re-applying for the SAVE program for the other 4 loans. 
In the meantime, my loan has started accruing interest and will continue to do so until Nelnet finally can finish 'processing. ' I am also unable to apply for PSLF until they finish my SAVE application, so it is setting me back months. 
They have been totally unresponsive to emails, and it takes a whole day to get ahold of them over the phone. I can not afford a {$880.00} payment. Nelnet needs to be held accountable for their negligence.