23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I I received several phone calls which were hangs up on there end then I was able to speak to someone whom I told her that I had mailed my payment and he said that that was fine the next day I received a phone call from a woman from regional acceptance Who said if I did not cancel the check that I put in the mail and pay over the phone that she would submit my car for repossession she told me that collection calls would not stop after I asked her to please stop calling that I had already spoke to someone she said if she would stop XXXX that my car would be repossessed and there would be nothing that I can do about it she made a lot of threats that she would take me to court when I asked to speak to the manager she put me on mute and after five minutes she hung up on me before she hung up she said that the repossession person was already on their way it 's my home to pick up the car because it was the first payment and I should not have mailed it although the bill sent in the mail said that I could mail it and also a week earlier I made a promise to pay by mail with a collection representative at regional acceptance and the night before I spoke to a member of the team and he said that my payment was fine that he would notated in the account she said that the account had not been notated and she did n't care my car was going to be picked up when I made the promise to pay I also told the lady that my dealership said that they would defer my first payment of 45 days that did not happen regional acceptance denied it after the fact when the lady called my dealership she said that there was a mixup and that the 45 day the deferment was OK when I told the lady that I would file a complaint with the CFPB she said that the company would sue me because that was a part of my contract for taking out the car loan no to file an outside complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the balance on my CARE CREDIT account of {$38.00}. 
On XX/XX/XXXX I was informed that they have closed my account. 
I called and spoke to a Representative then to a Manager about the Closing of my account. Both told me that their electronic system periodically checks the credit status of the accounts. My account was deemed unfit, so it was closed. I explained that I have had this account for the past 4 years and have always paid my bill. I do admit that I had missed a payment but always paid the following month due to financial situations. I explained that I only use this card for my dog 's Vet bills. 
This action also has affected my Credit Score which I am trying to repair after some difficult years financially. 
I was told there is nothing that I could do to reinstate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly the XXXX XXXX/XXXX partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX XXXX on XX/XX/2019 reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all  information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit card or prepaid card

I received an email from USAA that if I did not use my credit card, which I have not used in three years, they would close my account. My understanding is that a closed credit card account will reduce my credit score which, at that time, was over 800. For that reason, I spent approximately {$5.00} on the account to keep the account open. 

USAA, unlike every other credit card I own, never sent me a notification that my bill was due and then past due. While it is not their responsibility for me to pay my bills on time, I have 18 years of perfect credit history overall and 11 years with them, including car insurance always paid in full and on time. 

Nevertheless, they submitted this {$5.00} charge late. Notably, I have a little over {$7.00} in rewards that would have covered it as well as money in both my savings and checking account that would have covered it. Yet, they reported this {$5.00} charge as late. I was only notified by my credit reporting agency when my score dropped 70-86 points ( depending on the credit agency ). 

I immediately sent a letter to USAA asking them to remove it. While the information is correct, the consequences do not reflect my credit history with them or with any other company. Furthermore, I anticipate that the reporting is automatic and was hoping to get a human to review the account and see how unnecessary it was to report because there were at least 3 different way ( rewards, checking, and savings ) that the card could have been paid. They denied my request so I called and again my request to remove the information from my credit report was denied. 

While the information is correct, it is an inaccurate reflection of my credit history and the consequences are also not commensurate with my credit history. Therefore, I am hoping to get someone to look at my account to recognize that it should be removed.
Product: Credit card or prepaid card

My credit card was turned off. ( XX/XX/ ) Even though I called VCU ( vystar ) months ago, even over a year ago to address a financial hardship I had encountered I was told that I would have to jump through some hoops, and even then there would be no promise that the interest would not stop accruing against me time and time again I would find a time to call or go into the bank itself to figure this out time and time again I was turned away without a resolution whereby I would be continually charged monthly, the accrual of interest. In three years I found it incredibly difficult to keep those payments going and now that I have this letter here informing that the credit card has been closed I feel disenfranchised. The approximate {$1400.00} that I have spent on that card which is under its limit skyrocketed to over XXXX when I could not make the minimum monthly payments. Even though I did correspond with this bank and attempted to explain my situation, I was given no do course for a resolution. This coincides with a charge to my checking account with them, that, even though I tried numerous times to address, including going into the branch, and having personnel there verify the lost money I was unable to see it all back, and as a result of being in financial hardship, that checking account was closed due to drawing a negative balance. Where I thought I had given my due diligence to point out the fraudulent charges in person at the bank one or maybe two of those charges was overlooked resulting in a few XXXX dollars being extirpated from my pocket I trusted this bank with my money to protect me in my identity and now I feel at a loss, maybe if I had more money or income they wouldve treated me better I do feel discriminated against. It is possible that it I somehow miss managed information on my end. However, having submitted the claim for at least three fraudulent charges, I have no paperwork here and no emails that would show any effect of what charges were even addressed.
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXXXXXX I received an unauthorized inquiry on my credit that was not authorized by me from Jpmcb card services.
Product: Credit card or prepaid card

When I received my XXXX statement from Chase for Visa ending in XXXX I noticed 9 fraudulent charges dated XX/XX/XXXX and XX/XX/XXXX totaling {$410.00}. Eight of these charges were to XXXX XXXX and one was to XXXX seller repay. 
I contacted Chase to report the fraudulent charges. My credit card was canceled to stop further use, I was issued a new card with a new account number and the fraudulent charges were removed from my account. 
I then received a letter from the Fraud Department dated XX/XX/XXXX stating that after an investigation into the unauthorized charges they had determined that the charges were not fraudulent and were being added back to my account. The reason given for each of the 9 charges was You received benefit from this transaction. 
After receipt of this letter I telephoned the Fraud Department and spoke to XXXX insisting that the charges were, in fact, fraudulent. I was told that a second investigation would be launched and XXXX assured me that he would call me the following week. XXXX did not, as far as I can tell, ever try to contact me. 
I then received a letter dated XX/XX/XXXX from XXXX, Sr. Specialist II, stating that the second investigation confirms the previous findings that the transaction is valid. 
I am appealing this decision. 
I have filed a police report. 
I am filing a complaint with the Consumer Financial Protection Bureau. 
I would like my account closed immediately as I no longer wish to do business with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified company that accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX And others see attach
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$5200.00}.
Product: Student loan

I have student loans initially with Navient. Navient was bought out by XXXX who now handles my student loans. 

I was sent a questionnaire or some form of document concerning Navient having a class action lawsuit against them for various reasons. I filled out this document containing my loan information, address and phone number. 

I am trying to find information about this lawsuit against Navient to see if my student loans are being forgiven or if there is monetary funds from this lawsuit. 

Can you help with this? 

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

last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched USAA Letter of XX/XX/XXXX CONFIRMING USAA mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched USAA mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. USAA WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched USAA CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. USAA DID WHEN MCs became VISA XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. USAA HAS NOT YET CREDITED THIS FRAUD OF XXXX XXXX YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$3800.00} was sent from my cash app to my angry ex spouse cash app while i was totally unaware. I was under impression my device was lost or stolen but it was not just hidden so i couldnt check apps. The money was to be paid for a ticket at police station now that is resulting in a warrant until paid so i cant physically go up to make a police report at the very moment because of the situation. Ive Reported to my bank And filed a claim with the CFPB Which is XXXX  XXXX XXXX currently they are investigating the claim dispute. What they denied my original unauthorized transaction XX/XX/2021 because cash app told them there was no new log in device and the transaction was made from my device, as Ive stated already it was knowledgeably and unauthorized from my device without my permission. 
Chatted with cash app today And they denied the claim and didnt even ask me what took place. I feel that Ive been violated off some federal right.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have an inquiry on my credit report from chase bank. its two inquiries it looks like for the same item. i received a advertisement for a pre approval for business credit from chase bank and it ran my personal credit twice with a hard inquiry. 

i never authorized this hard inquiry and did not want one. 

they fooled me by sending me business credit information this advertisement for soft credit pull came from jpmcb division
Product: Debt collection

I attended XXXX XXXX XXXX - to mid XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XXXX my school location XXXX XXXX was closed. XXXX XXXX filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XXXX Ive been contact and harassed by WILLIAM & FUDGE saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of WILLIAM & FUDGE you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that WILLIAM & FUDGE is apart of the politics that are currently against my family. There is no reason on how I owe the Art Instiute money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to AI I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about WILLIAM & Fudge. Other people have experience this same tacky behavior and believe they are also suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co - XXXX Please help me and remove them
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX  XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a XX/XX/XXXX, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.
Product: Checking or savings account

On XX/XX/2019 My mother, XXXX, transferred {$260.00} from her Chase checking account to my Chase checking account. The reason for this transfer was because my account began the business day of XX/XX/2019 with a balance of -XXXX. When we checked the accounts on the morning of XX/XX/2019, we found that the transfer had completed and posted from my mothers account. My account however now had a balance of-XXXX, with no record of even a pending transfer. We contacted Chases customer service and both repeatedly verified our identities. After speaking with multiple customer service representatives, we were connected with a manger XXXX XXXX, who refused to provide an id number. Her analysis of our situation was that Chase has policies that allow them to process the funds transferred for 1-2 buisness days. She also was unwilling or unable to remove the insufficient funds fee applied to my account. We cant get the money that has been transferred back either without be charged and delayed even more. We both have used this transfer method in the past, with each other and others, and have never experienced a delay like this before. The money was also designated for time sensitive expenses of mine that have caused me tremendous financial problems. I feel like they used their policies to steal from me.
Product: Vehicle loan or lease

I purchased my vehicle in 2019 from USAuto. Ive made every payment on time as well to collateral and principals. I wasnt aware that USAuto had abruptly closed all their doors for business. I also wasnt aware of Westlake taking over my account. Unfortunately, on August 31st my ca was repossessed by Westlake the company I had no knowledge of. I called the police as I thought my car was stolen, who then informed me of what was taking place. I was able to retrieve my vehicle after paying $ XXXX. I then reached out to Westlake to find out how much would it cost me to pay my car in full and obtain my title. The representative stated that all I would need to pay {$240.00}. Which I comply by paying that amount. I receive a receipt with the amount I paid as well as to a note next it stating Costumer pay off I then followed up the following a few weeks afterwards to make sure that everything was ok since Ive havent received my title in the mail. But it was to my surprise, when I called Westlake they informed me that there was a balance of {$560.00}. I asked them where the additional amount came from and the representative stated they wasnt sure. When I called another day another representative state that it was the principal, another representative would go to say that it was a reverse payment from when I payed back in XXXX. When I reached out to my bank financial institution to investigate that particular transaction, I was told that no such thing happened. I added Westlake to the phone conversation with my bank.. he then confessed that I wasnt reversed. Westlake then stated that after doing their investigation it appears to have been a error on their end and that they would work on getting it resolved and removed from credit. But unfortunately as months passed Ive realized that they have not done anything to redo this issue.. despite the fact that I have several recorded conversations with Westlake stating that theyre working diligently to get this removed and that it should be removed from my account within the next 48 hours. Well that was 3 weeks ago and Im still waiting for Westlake to correct their wrong