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

My 5 month old XXXXXXXX XXXX XXXXXXXX involved in XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I reached out to my dealership to cancel the service contracts which are bought when we purchased the vehicle. We took a loan with Nissan Motor Acceptance Company ( NMAC ) to purchase the vehicle and service contracts. Dealer was able to cancel and get credit for {$2600.00} on XX/XX/XXXX. NMAC customer care asked me hold the check until Insurance payment for XXXX XXXX is posted to avoid confusion. NMAC posted the payment on XX/XX/XXXX though the check from insurance received on XX/XX/XXXX ; XX/XX/XXXX is also my regular loan payment date and they charged same interest ignoring payment against principle which was prorated ( as of ) to XX/XX/XXXX. Dealer at this moment gave 2 options 1 ) I can get the check if show proof of payoff ( completed ) 2 ) sending the check to NMAC if lien is still on. On the same day I spoke with NMAC customer care and they confirmed they can process check from dealer within a week. Dealer shipped ( XXXX XXXX XXXX XXXXXXXX ) the check overnight and NMAC received it on XX/XX/XXXX. From XX/XX/XXXX onwards NMAC customer care follow same pattern as first 15 minutes, no check has been found and then check is found & it is getting processed. Initially they asked me wait for 2 days and then 1 week and then 3 work week and then 6 to 8 week ; all this wait times are from the day I talk to them. Today ( XX/XX/XXXX ) they said the check is not yet posted and I have to wait minimum 4 week once it is posted. Every other day I am spending 1 hour with them to find the check and know the status of it. On top of all, they promised after XX/XX/XXXX payment will be posted but now they started eye on XX/XX/XXXX and I feel they even drag till end of the year. All they care about interest they charge on monthly payment. I may barely have around {$4000.00} as remaining principle ( after this {$2600.00} credit posted ) but they keep charging around {$130.00} as interest on every month. No promise of changing the interest.
Product: Credit reporting or other personal consumer reports

Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized item is removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its unrelatedness to any of my transactions. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I've sent out numerous letters to ARS they have not responded to any letters XXXX has reported unvalidated debt they have not investigated and violated my rights under FCRA Laws
Product: Credit reporting 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 XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was using the add money feature instantly on Venmo. I was adding money from my XXXX  account ending in XXXX. The debt card I used ended in XXXX. I was adding XXXX XXXX to my Venmo account. When I did this Venmo popped up an error message and did not give me my funds. But they still charged my XXXX. Now I have gotten into contact with them but they said I will have to wait weeks till they answer. They also claimed there was nothing on their end although when I contacted XXXX  they informed me this was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting events that occurred in XXXX. My attempts to have Equifax stop reporting the stale, out-of-date information have not been successful as of a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, stating the out-of-date information would continue because XXXX continues to " update '' the out-of-date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I heard about the Equifax hack and was immediately worried. Today, XX/XX/XXXX I checked with Equifax 's new site used for people to see if they are impacted by the recent Equifax hack. I have confirmed that I am affected by the Equifax hack. 

I have not received any notification from Equifax and I find it absurd that I had to hear about this on the news. Now, I can not view my credit report as the service is not able to pull my credit report. I can not see if there have been any credit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}, {$160.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware in XX/XX/XXXX when my homeowners insurance company said I received a higher rate because of my credit report, that Lexis Nexis was combining my credit information with another woman 's who had the same first name and a social security number with one digit difference. I have been through this correction with the 3 other bureaus. It has taken seven phone calls and all the information but a CLUE report has been removed. Lexis Nexis is telling me that can't remove the other woman 's accident report because it was put there by the insurance company. Apparently they have no process to correct their error in combining my report with hers. In addition there is a new CLUE report from my auto insurance company of XXXX claims for windshield replacement that XXXX has said they did not report. The new CLUE report was not on any of the previous 6 requests I made so I have to believe it is retaliatory and I would like it removed. I have not had any accidents and would like the CLUE reports not related to me removed. It is unconscionable to have no process to correct their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report through XXXX multiple times. XXXX responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is JD Byrider from XXXX Illinois located on XXXX XXXX. Jd Byrider claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to XXXX  I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau/Federal Trade Commission , I am writing to formally file a complaint against Navy Federal Credit Union regarding their failure to provide me with signed copies of the auto loan promissory note, security agreement, and disclosure agreements for my vehicle loan, and their subsequent refusal to release the title of my vehicle. 

Background : Loan Details : Auto Loan Lender : Navy Federal Credit Union Loan Account Number : XXXX Vehicle Details : XXXX XXXX XXXX XXXX Purchase Date : XX/XX/XXXX Loan Amount : {$60000.00} Issues : XXXX. Lack of Signed Documents : Navy Federal has acknowledged in writing that they do not have signed copies of the promissory note, security agreement, and disclosure agreements. This omission violates both Georgia state law and federal lending regulations, which require lenders to maintain and provide these documents to borrowers. 
XXXX. Proposed Loan Transfer : In written communication dated XX/XX/XXXX, Navy Federal informed me that due to the absence of signatures on file, the auto loan would be transferred to a consumer loan. This action further underscores the fact that the original loan agreement was not validly executed, raising significant concerns regarding the legality of their claim to the vehicle and the title. 
XXXX. Title Withholding : Despite the lack of a legally enforceable agreement, Navy Federal continues to hold the title of my vehicle, thereby restricting my rights as the vehicle owner. This action is in direct violation of Georgias Uniform Commercial Code, which necessitates a perfected security interest through a signed agreement. 
XXXX. Failure to Meet Disclosure Requirements : Navy Federal has failed to comply with required disclosure obligations under federal law, further invalidating the loan agreement and hindering my ability to make informed decisions regarding my financial obligations. 

Legal Grounds : Under Georgia state law and the Uniform Commercial Code ( UCC ), Navy Federals lack of signed documentation results in an unperfected security interest. This absence of a binding agreement should nullify their claim to the vehicle title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Synchrony Bank. My spouse XXXX  on XX/XX/XXXX. Approximately XX/XX/XXXX I called to advise them of my husband 's XXXX  and they informed me the account would be closed as I was not the primary cardholder, but I could reapply. Due to a Social Security error, I was also reported dead. I had reapplied under my own name and the card was issued. I had made one purchase prior to the new card account being closed also. The card was rejected at a XXXX XXXX in XXXX OK on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I could reapply but they could not reopen the account. This WAS the card I had reapplied for. After 3 hours on hold ( XXXX through XXXX ) and seven transfers I was told there was absolutely nothing they could do to reopen the account, but I could reapply a second time. They also couldn't say if a new account was protected from closure.
Product: Checking or savings account

I open a checking/saving with a {$500.00} promo back in XX/XX/2018. Get {$300.00} for a direct deposit and {$200.00} for depositing {$15000.00} new money for 90 days. During the process the banker told me the {$15000.00} new money can be deposit into any account. Now 4 months later they are denying me the {$200.00} saying it needed to be deposit into saving. I could have easily transfer the {$15000.00} into my saving with 2 clicks. I lost 3 months of investing the {$15000.00} elsewhere and all they told me was sorry for the misunderstanding.
Product: Credit reporting or other personal consumer reports

XXXX/LVNV Funding LLC is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I feel that my rights have been violated, and I demand that this information be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX XXXX FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX CO, XXXX CARD, XXXX XXXX/XXXX, XXXX CO, 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 ). ALL FRAUDULENT INQUIRIES
Product: Credit card or prepaid card

my Best Buy credit card XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX ID XXXX XXXX credit card unlawfully closed my account without a prior notification last year. 
Per my discussion with their customer service, they said it is their right to discharge any consumer card without notice and for any reason, even when I am satisfying the payment cycle through regular payments. 

I have paid the remaining balance on the card which was still accumulating due to their charges and interests, even when the card was closed last year. 

It is great that I recognized this devious credit card provider and closed the account by fully paying the balance. 

However, 1. They are misusing their credit grantor privileges by destroying customer credit reports by unpredictable card closures.

2. Why should I suffer as a consumer all the time, when my credit card gets destroyed by the credit grantors discretion.
Product: Credit card

After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase.
Product: Payday loan, title loan, or personal loan

On Friday, XX/XX/2018, I visited Cash Store located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Telephone ( XXXX ) XXXX. I gave this company all of my personal information : bank statements, copy of blank check, copy of identification, and copy of proof of income. The clerk whose name was XXXX also had me fill out a disclosure form. However, after all that divulging and signing, XXXX declared I was not approved of the loan because my checking account has been opened for less than thirty ( 30 ) days. I asked her to shred my personal information, but she refused. XXXX claimed that they hold on to information in case they get audited.
Product: Debt collection

I have an attorney trying to contacted them to fix the problem and get to an arrangement but they do not want to do anything just keep bothering my family, friends, myself and they do not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Student loan

I have tried numerous of times to get my payments lowered due to being unable to pay almost {$500.00} a month and Sallie Mae refuses and still tells me I dont have any repayment options. I have explained my financial situation over and over and hav now been forced to be late or make payment installments on other bills to make sure Sallie Mae is paid on time since they are so quick to report to the credit bureau. I have reached out to legal representation and still Sallie Mae has done NOTHING. I think it is very sad and upsetting they know how much the cost of living is etc yet still expect almost {$500.00} a month. All I need is my payments lowered, I do not have problem paying them back just simply need my payments lowered!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.
Product: Checking or savings account

I recently applied for a loan and credit card and a line of credit in the last few months and was denied they claim that they were unable to give me service due to identity issues and their policies. I gave them all and accurate information that they requested. I also had a previous account that they would not provide me with the details of my own account even though I provided all information they asked to identify myself as well as a picture of my CA ID through email and they still refuse and denied me my request I feel like they just wanted to steal my info. They even started that they confirmed the information I provided but they still denied everything I asked. When I asked to speak to their superior of the underwriter they hung up on me. I was also trying to file a claim for identity theft for my unemployment. My EDD card was stolen from the mail they stated that I need to contact EDD which I did but EDD told me to contact bank of America. Both gave me the runaround.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Issue : inaccurate Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 

Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.