23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When inquiring about my available credit, I was advised that my account was closed. I was not given a reason. A couple of days later I received a letter from the credit card company stating that they closed my account in accordance with the terms of the cardholder agreement which allows them to close the account at any time for any reason. However I have not been given a reason. I have consistently used this credit card and paid it timely each month. In order to determine whether or not I am being discriminated against, I need to have a reason that they chose to close my account.
Product: Debt collection

1. Confirmed that a notice to settle the account was sent to a very old address, and they did not " receive any reply ''. The Summons to Appear in Court for their law suit was served as a knock on my door at my correct address. 

2. I called to pay the amount owed which I did not know was owned by the Company suing me and this is because they sent a letter to a very old address, even though in their Records that they submitted to the Court had my current address in the pages of evidence that I was liable for the dept. 

3. First Misrepresentation : I was told if paid via Wire Transfer ( lump sum from my bank ) they would give me a Paid-Off Letter and Close the Account in 1 Business Day. I sent the Wire Transfer on XXXX 2020 and called the next day and the account was not closed and they could not give me a Paid-Off Letter even though they could confirm they received the Wire Transfer and was told to wait another 24-48 Hours. I called the Following day and was told to wait another 24-48 hrs ( even after talking to management ). I called bay after day and they still did not produce the Paid Off Letter until a week and two days later and not willingly ; this was after demanding it multiple times and waiting for hours on the phone to speak with management.

4. I was told over the phone they would " request the Legal Case be Dismissed '' within 1 Business Day after the Wire Transfer. A week later after the transfer and even the Day Prior to the Court Date there was still no Dismissal at the Court House and the Case was still active and required my Action to show up for the Court Date.

5. Second Misrepresentation : Their " legal team '' had told me the case would be Dismissed on the Court Date on the XXXX so I wouldn't have to show up or take action. Out of extreme caution and since the company had misguided me through the entire process, I showed up to the Court Date where I had to file an answer by XXXX. I called the Case Court Clerk to see if the company had file to dismiss throughout the day until XXXX and they still had nothing requesting a Dismissal. If I had not showed up and filed my answer that day, I would have been automatically ruled against.

6. Two weeks later the Court is still proceeding on this case and I spoke to the Case Clerk and they confirmed that they still have nothing on file for a Dismissal and nothing from the Plaintiff suing me and that the Case is still ongoing. 

The worst case of misrepresentation was being told over an email ( by their legal team ) that I had no need to take action or go to court since the case would be filed to be dismissed. This is very malicious practice and I would have a Public Record of a Court ruling against by Default me if I had listened to their written instructions not to take further action.

7. The company updated Credit Report and still shows I owe {$200.00} ( from {$1000.00} ) even though I settled in full and the Paid Off Letter says I no longer have any obligations or debts with them. they are still reporting a Derogatory Report of {$200.00} which is inaccurate and continues to damage my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've contacted XXXX  XXXX  XXXX & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX (now XX/XX/XXXX) did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX XXXX  did a hard inquiry through Capital One Auto Finance without my permission.I have documentation from all three dealers to have these inquiries removed.
Product: Debt collection

I received a letter from this company telling me that I owe them a debt. I have never done business with this company not have they ever provided me a service nor goods
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft demand the deletion and removal of the listed fraudulent inquiry on my Transunion credit report XXXX XXXX inquiry date XX/XX/2023.
Product: Payday loan, title loan, or personal loan

Got a loan with loanme.com in XX/XX/2019 for the amount of {$3100.00} dollar term length of 47 months. Payments of XXXX dollars and I had made 22 payments which is north of {$7500.00}. I now have a charge off of {$2900.00} which is now north of XXXX for a {$3100.00} loan. Each payment for {$350.00} paid $ XXXX dollars to principle and rest to predatory interest rate. Loanme is located in California which is reside. They are far past the legal limit of XXXX usury laws and its unacceptable I paid that much interest for a loan it was predatory and I wasnt made aware of such a steep interest rate. I should be reimbursed for what I over paid as well as the negatives removed from my consumer report under 15 usc 1581a. Section 1 & 2
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my experian credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my XXXX shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my XXXX  report showed a late payment on XXXX of XXXX. 

I have the same situation on my experian report with XXXX Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my XXXX report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Product: Vehicle loan or lease

I XXXX XXXX, Purchased a vehicle XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX and was over charged. I paid XXXX for a vehicle that wasn't valued that much-its called ( USUARY ). ********** I literally am paying XXXX for this vehicle, if i pay XXXX to this rip off company. I was involved in a accident on XXXX XXXX and was not at fault. I was injured badly and the vehicle was totaled. Once everything was said and done i discovered that i had purchased GAP Insurance and was told that the dealer overcharged me for the vehicle therefore they will not pay anything towards the claim. Santander Consumer USA my Acct # XXXX has reported to all 3 credit bureaus i owe XXXX towards this vehicle which is incorrect. I would like all 3 credit reports updated and fixed showing this company being removed and marked paid in full.They legally got paid all the money for the vehicle and is trying to hold me hostage in this matter for another XXXX, the over charged amount. 
I want this removed off my credit file or marked as paid in full with all 3 credit reports.
Product: Credit reporting or other personal consumer reports

Previously disputed the account mentioned and it came back verified without any source of verification or documents I requested. This account is fraudulent and in a FTC report. This account was not truly verified as state.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Fraud. Some thief opened a XXXX XXXX card in XX/XX/2023 with my social security number attached to it. I recently found out about it at the end of XX/XX/2023 when my XXXX card I have in my possession was closed. I received a letter and called the customer service dept to inquire about what happened to my acct. I was then informed about the XXXX XXXX. I quickly informed them I have not opened a XXXX XXXX  with XXXX. I was informed about the fraudulent charge total, the incorrect email address on file, the incorrect mailing address and the incorrect phone number attached to this XXXX XXXX. I later called back to confirm if this account was also closed along with my original and my only account I ever opened with XXXX. I was told it would take up to 90 days for an investigation to be processed. I have sent them a certified letter with an identity fraud affidavit, police report, credit dispute letter, FTC complaint letter and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to disputed this charge and requested validation for this account in XXXX XXXX and XXXX and no action has been taken, there has been no response and no validation sent to me.
Product: Debt collection

They are requesting garnishment from my employer with no judgement. Calling my work and leaving messages on a public work phone. Sending faxes into public fax machine. Repeated calls to me and family.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 
(XXXX) 3XXXX XXXX 

THIS COMPANY IS NOT APPROVED BY THE BBB.., IT STARTED OF XXXX XXXX,2017 FOR $XXXX INTO MY DEBIT LAST FRIDAY.  THEY ARE WELL KNOWN FOR A 280% INTEREST.., I FILED A BBB ON SUNDAY.  THEY THINK THEY CAN HELP THEMSELVES WITH THE AMOUNT OF MONEY REMOVED EVERY MONTH.., THEY WILL NOT BE HELPING THEMSELVES WITH ABOVE. ON MONDAY OF THIS WEEK, I HAD TO CALL, LOAN# XXXX. CUSTOMER#XXXX.
I RECOMMEND LOOKING THEIR BBB.ORG WEBSITE.

THEY WANTED TITLE OF CAR AS COLLATERAL WHICH THEY DID NOT RECEIVE.

YESTERDAY, I RECEIVED A CALL THAT WERE OFFERING LOANS. ESSENTIALLY THIS A RIPOFF.

RESPECTFULLY, XXXX XXXX XXXX
Product: Consumer Loan

I co-signed an auto lease four years ago. I just checked my credit report and the leasing company has included the lease holder 's credit history for this account on my credit report. When I contacted the lease company, I was told that a co-signor is a joint applicant with their company. I never received any notifications through mail or phone call stating that the primary lease holder was late on payments ( XXXX times, 30 days late ). The lease company did n't have my address and phone number on file but are holding me accountable on my credit report. I did n't have the opportunity to make the late payments myself to keep the account current because I was not contacted and made aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complaint again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Debt collection

While at work, I received a fax from XXXX XXXX XXXX. This fax did not just go to me, this fax went through the company and hit my XXXX Managers desk as well as my Head of IT. This is very embarrassing as they claimed that i have requested for a payoff of the account. I have not as i have a payment plan already currently in place for them. They auto debit my account once a month. 

This is very embarrassing and could hold repercussions on my position within my company. I have placed a call to the company however have not been able to get a return call to direct my complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Chase Bank XXXX XXXX card to purchase airline tickets for two people on XXXX ( XXXX ) Airline. 
The tickets were to fly from XXXX to XXXX on XX/XX/XXXX, on to XXXX on XXXX, and from XXXX back to XXXX and XXXX on XX/XX/XXXX ( all on XXXX Airline ). 
The cost of the tickets was {$6300.00} ( {$5200.00} and XXXX Chase XXXX points ). 
XXXX XXXX cancelled our flights on XX/XX/XXXX. We did not cancel our reservations. 
Since XX/XX/XXXX, I have tried to get XXXX or Chase to refund our money and our Chase XXXX points. 
XXXX does not answer their telephone. 
Since XXXX  Airline did not provide any service for our {$6300.00}, I believe that I am entitled to a refund of my money. 
If I made an online purchase of a TV from XXXX but they delivered no product, my understanding is that Chase would contact XXXX XXXX, inquire if they delivered the purchased TV and, if XXXX could not show that they had delivered it, Chase would credit my account. 
In this case with XXXX, Chase has contacted TAP and has confirmed that TAP did not provide any service for our {$6300.00}. 
However, rather than provide a credit to my Chase XXXX account, Chase has reported to me that XXXX  has 'turned off ' Chase 's ability to credit my account. Chase periodically sends me an email which informs me that XXXX has not authorized the refund of the dollars due to me. 
Even though Chase Bank is in complete control of the Chase XXXX Points that were used to buy the XXXX tickets, Chase has also declined to reimburse me any XXXX Points. 
I do not understand why Chase has not treated this situation as it is : a merchant that has not provided a service that was purchased using Chase 's Visa card. 
At XXXX time, Chase informed me that XXXX offered a voucher for travel that could be used only in calendar year XXXX. The 'offer ' was later extended through XX/XX/XXXX. However, XXXX did not allow Americans to enter XXXX at these times. 
Since I believe that I am entitled to a return of the money I spent on the tickets that XXXX cancelled, I have declined all offers of vouchers for a future 'service. ' I have been forced to be a creditor to XXXX XXXX but with no agreement by them to ever reimburse me. I believe that I am entitled to an immediate refund of my money and Chase XXXX points. Please assist me in getting Chase to return my money.
Product: Debt collection

I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Consumer Loan

In XX/XX/XXXX, I purchased a XXXX at XXXX in XXXX, IL. After a divorce and being stuck with her medical bills, I filed bankruptcy in XX/XX/XXXX, where I had the vehicle reaffirmed in the process. I moved from XXXX, IL, to XXXX, IL in XX/XX/XXXX, and since my loan was sold to Citizens Bank, I contacted them to change my address. 
I continued to make monthly payments of {$280.00} each month toward the balance of the car, until XX/XX/XXXX. At this time, their website said, " I no longer had an account, '' and was told to contact their customer service number. I contacted the Citizens Bank Customer Service and spoke with a gentleman where he told me that my loan was paid off and it could take up to 6 months to receive the title. 
I called back in XX/XX/XXXX, and inquired about the whereabouts of the title of the XXXX. They proceeded to transfer me three times, and finally, spoke with a XXXX from the bankruptcy department. She proceeded to tell me that due to my bankruptcy, my account was " charged off '' and no longer valid. She also stated there was an outstanding balance of {$3600.00} and this must be paid before receiving the title of the vehicle. I was upset with the institution because I was never once called, never once contacted by anyone at the bank due to a lack of payment and since I was told I 'd be receiving the title, I did n't contact them any further. I 'm upset with the fact that I was never contacted since stopping payments towards the vehicle, and now was told that since my account was charged off, they did n't have an obligation to notify me. 
Finally, I looked back at my paperwork from the original loan and it does state that there would be XXXX installments on loan, but XXXX told me that once I filed bankruptcy, terms of the loan should 've been re-negotiated and they never were done so. She said that my bankruptcy attorney should 've informed me it was my responsibility to contact the institution to negotiate terms of a new loan despite the fact I continued to make online payments for the next 3 and a half years after the completion of my bankruptcy hearing. I was told the only way to pay now was over the phone as they would n't contact me unless the car was to be repossessed.
Product: Credit card

XXXX XX/XX/year> XXXX party ( XXXX ) host refuses to give XXXX XXXX ( XXXX ) name of morse code account approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a XXXX XXXX  account it shows a past due balance but of XXXX the account is charged off. 
XXXX shows a past due balance from XXXX XXXX XXXX of XXXX it has also been charged off XXXX shows an open account which is closed and a balance of XXXX with XXXX XXXX XXXX XXXX, XXXX shows a past due balance of XXXX from XXXX the account is charged off there should not be a past due balance XXXX shows a past due balance from portfolio recovery for {$550.00} the account is closed and charged off it also id=s reporting as 120 days late it should not be reporting at all. 
XXXX shows exeter finance as a charged off account with a reporting balance of {$21000.00} it is charged off there should not be a balance reporting. 
I have sent in multiple request that this be removed to no avail my letters are not being read and handled according