23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ran my credit and saw that I had a neg account under Convergent Outsourcing in XXXX, WA. I called to find out what this was and they claimed it was a XXXX account. I did have a XXXX account but closed it because they kept overcharging me from what my plan agreement was and for apps I never ordered. I paid the bill at just under {$600.00}. CO Inc. claims I owe {$1200.00} and it is on my credit report. First I asked them to prove to me the debt, they refused and told me I know what it is and second they would not talk to me unless I paid in full at that moment. I filed a claim with XXXX, and disputed with XXXX, XXXX and XXXX. They still claim I owe it and wo n't budge. This is on my report and I do n't owe the {$1200.00} they claim I do. When I called again this week they told me I had to go in a website and they would walk me through. It was really strange and the account # was not what is listed on my credit report. It just seemed really shady. I want this off my credit report because I am a XXXX and trying to buy a home.
Product: Vehicle loan or lease

I entered into a loan agreement with XXXX XXXX an affiliate of XXXX XXXX XXXX which licensed Chase to advertise and market financing for an auto loan for the XXXX XXXX. There is belief that Chase was aware of XXXX financial distress and quality issues and continued to offer loans to customers until XXXX was forced into bankruptcy. 

I am seeking a resolution that would lower the principal on my loan to what is the real fair market value of my vehicle. Given the current bankruptcy filing of XXXX ( and the information leading to the belief that Chase was aware of the pending financial disaster at XXXX ), the car is worth next to nothing - no parts or repair services are available, and even a windshield crack can cause the car to be declared a total loss, leaving me and thousands of other borrowers tens of thousands of dollars underwater on a loan Chase knew was bad to begin with. The fair market value of my car is next to nothing, and my loan balance should be lowered accordingly.
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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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: Checking or savings account

I have a Chase Private Client account and expect better customer service than what I am receiving. 

I set up a payee and cut a check to same. The payee is XXXX. XXXX XXXX. The check is made out to XXXX. XXXX XXXX ( See Attached ). Chase changed the payee name without notifying me. Payee will NOT be able to remit check as written. 

Since I can NOT send a Secure Message, I expect Chase to reply to this complaint by standard postal service at my address of record. 

Do NOT attempt to answer this complaint with a Secure Message ( that I can NOT reply to ). Do NOT contact me by Secure Message or email ; mail a letter instead. 

Do NOT attempt to answer this complaint by calling the telephone number listed on my account. Do NOT contact me by telephone ; mail a letter instead. 

I will NOT call the toll-free Chase customer service number and be placed on HOLD for 30 minutes to an hour to receive an answer. I have tried this already.
Product: Credit reporting or other personal consumer reports

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address inaccuracies in my credit report despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to TransUnion requesting an investigation into the following inaccurate items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition, I disputed incorrect personal information listed on my credit report. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Despite providing detailed information and evidence to support my claims, TransUnion has not taken appropriate action to investigate or correct these inaccuracies. These errors are significantly affecting my creditworthiness and causing undue financial distress. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Student loan

I was part of the sweet vs cardona lawsuit which XXXX all loans that were attained through a list of schools. My school, XXXX XXXX  on the list of schools guilty of lending malpractice. They XXXX all loans except for those students ( like me ) that had our loans refinanced with a private lender ( XXXX ) so we could afford to keep paying them. I called XXXX and asked them to inquire about the settlement and they told me to have nelnet return the money to them and they would cancel my loan. nelnet declined My understanding is nelnet refunded all monies to students that had paid to the schools guilty in the lawsuit, but they were not paying out if you refinanced them with a private lender. 

Nelnet is not acting in a responsible manner by not refunding me the money i paid them, through my loan with XXXX
Product: Debt collection

In 2015 I went to the emergency room out of state. I have insurance through XXXX that my insurance said is covered in and out of state. Almost two years after this visit I got a bill for over 300 dollars. I contacted my insurance and the hospitals billing department. My insurance said that they needed something called a rendering XXXX number from the hospital and the hospital said that whatever doctor I saw that day didn’t have that number out of state. So basically both parties wouldn’t comply with one another. If my insurance is telling me I’m covered and that the hospital is failing to comply and the hospital is saying that’s not true there was nothing left for me to do. My insurance filed claims over and over again until the hospital was past due on the timeline my insurance would of covered this bill so it went into collections. XXXX, whom I spoke to from Choice Recovery was so rude to me. The official letter came to my parents house but when I spoke to her she did not tell me that I have the right to dispute it. She told me my only option was to pay the bill unless I wanted my credit to be reuined. She didn’t listen to the issue and she refused to call my insurance company. My insurance company said they would be happy to speak with her and explain the situation but she said she wouldn’t do it but wouldn’t give me a valid reason as to why not yet her manager said they are allowed to do so. She gave me an attitude and brushed me off and didn’t offer me solutions. This company’s job is to investigate the situation and work with you to try to help and figure out the issue instead she bullied me and was no help at all.
Product: Credit card or prepaid card

In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.
These accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I realized I was a victim of identity theft when I was turned down for a lease and received a copy of my credit report. To my surprise I found a loan with XXXX XXXX XXXX on my report, I have NEVER applied for or know of such loan. I contacted XXXX and supplied them with an FTC report and police report but it has not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, SYNCB/WALMAR, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, SYNCB/WALMAR, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Student loan

My loans have been transitioned many times to different companies - where each time my balance starts all over and I pay interest instead of the balance of the loan. I just consolidated my loans with Direct loans ( handled by XXXX ). from AES. I had been with AES, roughly, XXXX years. I've been making payments steadly and when I was laid off years ago I made payments. I had reached out many times to get assistance on options available to lower payments- they only offered forbearance. So in those times of need I took that since I didn't know of any other option- since none of the other payment options would work ( according to them ). Well, after calling a few months ago to try to get assistance - I was told again my only option was forbearance since none of the payment plans would work for me. I asked again - there is nothing you can do?? They replied only forbearance. During Covid I have been making steady payments while others have been able to have the interest stopped and payments stopped - unless they wanted to. My loans are federal loans but older so they didn't qualify for any of the Covid related assistances. So, I asked about that with AES- they said they didn't qualify - there isn't anything you could do to have them qualify. Like I had mentioned above - I did reach out to the federal loans department and they said all I needed to do was consolidate under direct loans and you would have qualified. I did this and - amazingly- they had a payment plan that would also lower my payments for the time being. I wasted time and money with AES and find them at fault for the reason my payments i have made have went the way they did : I paid {$25000.00} towards my loans, interest paid {$16000.00}, principal paid {$8700.00}, fees paid {$590.00}. My overall loan was roughly XXXX. I've been paying over 20 years and there seems to be no end in site. I feel they manipulated me into paying more interest and weren't looking out for my best interest to get my loan paid off. I can't control who my loans are transferred/sold to - but I would have thought that AES would look out for the students best interest instead of their profit. Please let me know if you need more information - I'd like to see some of that interest to be redistributed to the balance. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

My dog needed XXXX  so I had to open a CareCredit account. Apparently, when filling out the application there is a checkbox I clicked for a security feature to be added that I was not aware of that was racking up {$100.00} a month monthly charges to my account. Mind you, I work at a credit card company and I would have never signed up for something like this. I was planning to pay this entire balance off 6 months later when I got my bonus before the card started charging interest. This is a huge scam, and not sure how they are getting away with this. I tried to call and get this removed-they were able to cancel whatever benefit this was and only refunded me for 1 month. On top of the $ XXXX monthly fees, that charge was then getting an interest charge. This card was supposed to be interest free for 6 months. This company is a huge scam and the fact that I now have almost {$500.00} additional fees to them is ridiculous
Product: Prepaid card

Company involved : Money Network / Fiserv I was receiving my unemployment money through XXXX, who issued me a XXXX XXXX XXXXXXXX debit card. I activated the card and set up all of my payments to be deposited into my personal checking account. I assumed all of my money was being issued and auto-deposited, not realizing that XXXX had switched to Money Network and was issuing payments through a new debit card. I started going through my bank statements and saw that my payments were not deposited, so I went to check on the XXXX website and saw that Money Network was issuing the payments going forward. I called Money Network on XX/XX/year> to ask when I would be receiving my new debit card and how much money was in my account, when I was told all the money on the account was already used ( around {$2400.00} ). I let the representative know I never received the card, and she looked at my card transactions to find it was used for motels, laundromats, XXXX, XXXX XXXX and lots of food. None of those transactions were made by me or anyone that I know or anyone that I authorized to use my card. 

I was told on the XX/XX/year> call that I would be receiving a dispute form in the mail in XXXX days and to send it back within 10 days, on XX/XX/XXXX I still haven't received anything in the mail so I called Money Network again and the representative sent the dispute form again. On XX/XX/XXXX, I received the form in the mail and emailed the dispute form that night ( still within the 10 days deadline ). I called back XX/XX/year> and found out my dispute was denied, so I was told to submit an appeal. I submitted the appeal that day, XX/XX/XXXX. I called Money Network again on XX/XX/XXXX, was told my appeal was denied without any written reason, it was just denied. I asked what are my next steps because I'm being brought into a loop, was told to find evidence that it wasn't me that used the card and submit another appeal. I told the person on the phone there was no way of me being able to prove any of that. The only response back was to send another appeal. 

I don't know how the card was even activated and used, but Money Network is not holding any accountability.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX.XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against TRANSWORLD SYS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Payday loan, title loan, personal loan, or advance loan

Every 2 weeks I was able to borrow between $ XXXX {$570.00}. The company advertises 0 % APR but requires a tip to the lender and a tip to the company itself ( 7 % ,8 % ,9 % ). These are required fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Carvana XXXX appeared on my XXXX Credit Report. I did not authorize or initiate any credit inquiry with them.
Product: Credit card or prepaid card

I have a XXXX card - Synchrony bank is the financial institution that is the holder of the payments - I have tried repeatedly to get a paper copy of my bill from Synchrony bank re : payments made to the XXXX   account. 

Just made a phone call to Synchrony bank to request a paper copy of the bill generated from their company to see what is owned on the XXXX account. Gave me the famous round about way all I owe is $ XXXX.and change. I asked the Customer Service rep to give me the FULL AMOUNT owed on this card. I paid off the Synchrony Bank account for XXXX in XX/XX/2019 - All I want is the bottom line of what I owe to this Bank and then be done with them - this bank is very difficult to deal with - the bank controls most of the finances connected with Clothing and furniture stores. All I want is the final balance and then b done. I have not ordered anything from XXXX for several months. I want to see for myself what I am being charged with.
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, XXXX XXXX has violated my rights. 
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: Credit reporting, credit repair services, or other personal consumer reports

I here have verified that I pay off all that I owed, my balance appears at XXXX and aside here I have the letter that I send to the departments. 
My complaint ID is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several disputes with Transunion, for erroneous reporting and not investigating information properly, I have a account on my credit report, with XXXX XXXX. stating I filed chapter XXXX  Bankruptcy, I never ever filed Bankruptcy and this company and Transunion are getting a away with Fraudulent information, that is affecting my credit and stopping me from buying a house, attached you will find two documents from the pacer system for the state of NC and one for Nationwide results!
Product: Checking or savings account

I have a XXXX XXXX XXXX XXXX  and now only have a credit karma spend account. Im closing it asap if I can get my money. I transferred money, which they take XXXX XXXX to transfer. That. Is not my complaint as much as I had about XXXX XXXX  or less in credit karmas account. I was trying to make a transaction on a completely unrelated account being XXXX XXXX  and I kept getting an insufficient fund from credit karma. I had plenty of money available on the credit card. as soon as I put my XXXX XXXX  information I would get a non sufficient funds transaction. From credit karma. During the transaction that I could not make these were several transaction, in which are not related in any way to credit karma and credit karma would send me a message telling Im denied using my XXXX XXXX XXXX How are linked up to all my unrelated third party accounts? They should not be but somehow stole my information off my unrelated accounts as they are arrogant in the way they believe they can do whatever they want when ever they want. This has crossed a very big line in privacy breach. I believe there is a scam and committed fraud which has caused problems with my XXXX XXXX XXXX  Theyve done nothing and I cant wait because Im afraid they will start accessing all my accounts. I cant even use my credit cards or trust that they wont empty out my finances so I have to keep my cards locked for fear that theyre stealing unrelated information and sending me messages to tell me they can. I want this stopped. I have XXXX XXXX  and a some change in credit karma which Im payin* a couple then transfer ing the rest right back to my other account. I can not wait weeks to close this account. I need them to stop stealing my account information and I want justice. They should not be allowed to steal information that causes their customers to lose sleep, money, and time. I probably wont even be able to get the money out with out problems. They decide when I can use my account. Now they have taken over to the point they are not letting me use other accounts that have nothing at all what so ever to do with. They should not have XXXX XXXX XXXX info at all why do they have it? This is a very dishonest company whose the worst company Ive ever dealt with on ethics and honesty. Their are people who commit fraud. This company has committed fraud against me and I dont even know what to do or if Im allowed to use my credit cards with out their permission. They are linked up to XXXX XXXX XXXX and Ive never ever linked them.
Product: Credit reporting or other personal consumer reports

Negative reporting .my information was sold or given to agencies I did not have a agreement with.