23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX improperly represented themselves as working on behalf of apartment complexes who charged off the debt I owed. Two representatives stated that the apartment complexes would not accept less than 70 % of the debt. One manager stated that " the client '' not accept less than 80 % on a debt, and constantly referred to the client being the entity setting the terms on this charged off debt. When I spoke to a third manager today, XXXX, I told him that I contacted the apartment complexes who confirmed they charged off the debts and that none of the money I paid would be sent to them. XXXX stated " That is correct. The apartment complexes wo n't get the money, their management companies will. '' This is also inaccurate as I contacted the management companies for both of these complexes and they also confirmed that none of the money I would pay would go to them. I recorded our conversation where he states that money would go to the management companies of these apartment complexes, and have attached them. XXXX then replayed my conversation where I spoke with the previous day, which I also recorded but was not able to add as the file is too big. I can provide a copy upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach of some kind, I've received two payments for said breach in the amount of {$100.00}. The first payment was for {$30.00} & second payment was for {$70.00}. Now my credit score and report is destroyed from this breach I can't start my own business and or make personal credit purchase without paying high interest. 
Was this purposely done to me to keep me paying high interest because I'm XXXX or was it to keep me away from the XXXX  dream of homeownership and starting a home based business. 
They leaked my information gave me {$100.00}, but I pay XXXX XXXX XXXXXXXX in high interest.
Product: Credit reporting or other personal consumer reports

I have reached out on many occasions to rememdy the damages done by westlake to my credit reports after weeks of getting bounced from dept to dept for the credit dispute team. I finally got in contact with a representative that said the disputes team does not take calls. Even though on theyre main menu it asks if you would like connected to a dispute team service representative due to litigation and arbitration with the dealership and the finance company ( westlake ) the representative on a recorded line said payment would be deferred until a agreement was reached between the deslership and westlake on how to resolve this consumer rights issue of a XXXX XXXX vehicle. So westlake continued reporting and marked me as 30 days late, and then made current and again 60 days late and then followed by current to a 90 days late then finally marked it as a charge off which all together destroyed my credit XXXX points and then fully removed it from my report because the dealership took control of the loan which I never got any of them points back for theyre false reporting and tactics on how they illegally did it when I havent made a payment since XXXXXXXX XXXX XXXX and they had me marked current multiple times when no payment was made then late again which should of never happened with the deferment agreement. So westlake had destroyed my credit beyond repair at this time that I cant even get a small loan from even the worst lenders when I was at a XXXX when they did this which also canceled out my underwriting for my mortgage loan to buy my home due to late payments and my ability to get another vehicle leaving me and my family trapped renting costing more money and without a vehicle to commute to work for some time I have contacted XXXX and XXXX XXXX to be told they can not remedy it due to it not showing on my report anymore that I had to contact the finance company to correct it which they have been most neglectful in even trying to fix my report or even hear me out. Transferred many times to be hung up on Ive asked to speak to supervisors and been hung up on or told that is impossible to speak to a higher up the chain. So westlake had ruined not only my credit and my ability to gain any kind of loan or funding but me and my familys life by doing falsely reporting payments. With that said I believe westlake owes me and my family punative damages and compensation for theyre negligence to helping resolve the issue and the false reporting of missed and made payments to the credit bureaus.
Product: Consumer Loan

In XXXX of 2016 Honda Financial took out XXXX car payments for the same month charging my account twice, and causing me to over draft. I was on vacation XXXX, with no money, because of this I was forced to use my credit cards, and now I have to pay that back with interest. Honda later returned that extra payment, but now they claim that they deposited it twice. They have been hounding me for months saying I owe them a payment of {$390.00} I even sent XXXX faxes with my bank statements to prove this was not the case ( I had to pay for these faxes since I do n't own a fax ) they still insist I owe them the money. We also conferenced called my bank twice, and they confirmed that they never deposited XXXX amounts of {$390.00} Now this morning they emailed me telling me they were going to pursue other methods to get their money. My question is whose going to pay me my over draft fee 's, my credit cards that had to be used to come back home, the constant harassment, my time, the faxes? I am not a rich man which is why I bought a Honda and not a XXXX, {$390.00} is a lot for a person living pay check to pay check. I will never ever do business with Honda Financial. Thank You.
Product: Debt collection

Experian has refused to remove from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. Experian appears to be colluding with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19.
Product: Credit reporting

I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is report to the Credit bureaus that this account is a charge-off, i pay a XXXX a month on this account, and it's not reflecting that, it shows a negative reporting.
Product: Mortgage

This bank has continuously misappropriate my funds. I made a payment of {$500.00} on the principal in XX/XX/2021. They took the money and misapplied or hid or stole my money. Ive called on nervous occasions and even filed a claim already and they are denying this. Im asking for {$250000.00} to be taken off the mortgage this is not the first time they have done this and I will file a complaint each time. They have discriminated against me and stole my money.
Product: Credit card

I have a merchant account for my business on Saturday we had a couple of high amount invoices for some upcoming builder site projects. My client paid the invoices and I thought that everything was business as usual and was expecting to see the funds clear on Monday. On Monday I saw that the funds have still not deposited. I thought it was weird and decided to give it another day. Tuesday morning I checked my account and saw that I still did not receive my payment so I called Chase to inquire about what was going on. Chase puts me in contact with their XXXX  merchant processing division that says that the transactions were flagged by their trust and security department. If they required anything from me that I would see an email or if not I would see the funds in 3-5 business days. I thought that was weird. So I proactively sent them an email detailing the invoices that were paid providing documentation explaining what the invoices were for and they replied with case number XXXX. 

Later in the day I see that my ability to create invoices and accept card payments was disabled. 

I called to inquire about what was going on and was informed that my merchant account was closed yesterday. Right after the call I received this email : XXXX ( Chase Integrated Payments ) XX/XX/year>, XXXX XXXX Hello XXXX XXXX Effective immediately, we will no longer be processing payments on your behalf. This decision has been made following a thorough review and is in accordance with our Terms of Service.

As a part of this process, any outstanding funds in your account will be held for 120 days to ensure that all pending transactions are properly settled. This holding period is a standard procedure designed to protect both you and our company. 

Thank you, Chase Payment Solutions Still need help? You can reply to this email to add additional comments. 

To which I replied XXXX XXXX XX/XX/year>, XXXX PST May I please get an answer as to what happened and why this happened? To my knowledge I have not done anything to violate any terms of service. I am very confused about this and this hold of my funds is going to cause irreparable damage to our business operations. 

Kind regards XXXX XXXX ( XXXX ) XXXX XXXX They in return replied XXXX ( Chase Integrated Payments ) XX/XX/year>, XXXX XXXX XXXX XXXX , Our review process is proprietary in nature, so unfortunately there is no information available for us to share. 

This decision has been made following a thorough review and is in accordance with our Terms of Service. You can review our Terms of Service here : XXXX XXXX XXXX We sincerely apologize for the inconvenience, and wish you the very best in finding a payment processor that better suits your needs. 

Thank you, Chase Payment Solutions So now with no explanation they are holding onto the payments of my invoices totaling {$16000.00} for 120 days with no explanation in addition to charging me {$570.00} in transaction fees. My business is on the verge of collapsing as a result of this.
Product: Prepaid card

XXXX issued a {$50.00} " rebate card '' that showed an expiration date but did not state anywhere on the card that the balance was forfeited at that time. The call center manager XXXX agreed that this was deceptive and had me contact his supervisor, XXXX Agent ID XXXX, a member of corporate support team CITI prepaid. Their phone number is XXXX. The card number is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This is a horrible practice and should have the same 5 yr ( at a minimum ) time limit that gift cards have as well.
Product: Vehicle loan or lease

Since 2020, I have not received a statement of account. I have paid the note and the balance has not gone down. I have contacted the company numerous times to no avail. The fees and interest rate are outrageous. I feel this loan is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep calling and I cant get anyone to help me. Im unable to access anything online such as file disputes, manage fraud alerts and credit freezes. Every time I call they tell me I need to speak to a certain department and that they will contact me within 3 business days but no one will ever cal me back. Ive been getting the run around for two months.
Product: Student loan

I have student loans from both my XXXX and XXXX  degrees managed by Great Lakes. After completing XXXX school on XX/XX/19 my XXXX loans were automatically put in to forbearance without my permission or consent. I was told this was ostensibly to " align the status '' of my XXXX and XXXX loans. Further review revealed that the forbearance status also cancelled the .25 % interest rate discount I receive for utilizing autopay. I make significant payments above minimum every month despite my loans not being in repayment. This automatic forbearance will in effect increase the potential interest that will be capitalized when my XXXX loans exit their grace period as my payments are applied proportionally to each loan ( I can not allocate manually unless the interest balance is zero at the time of my extra payments ). Greatlakes has offered to cancel the forbearance but has offered my no remedy for the lost efficacy of my payments due to the effective increase in interest rate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a XXXX  message from supposedly my bank USAA XXXX asking if Authorized a XXXX transfer for XXXX $ out of my account, I replied to it " no ''. I got a call from USAA immediately ( not really USAA, but caller ID says it is ). I answered the questions, like what is your USAA number and so forth, they had the USAA waiting music, do you want to do a survey and everything like USAA ) and the so-called USAA representative transferred me to the supposed fraud department. I spoke to someone who claimed my old cell phone was being used in XXXX XXXX ( an XXXX XXXX, which I wasn't able to clear out prior to sending it into XXXX ) they contacted me due to it not being in my normal location. They asked various questions like my PIN number which I have given PIN numbers to get into my USAA account when I have spoken to them in the past. They claimed they that they were going to set me up with a new checking account and they would be transferring my money to a new account, they would overnight checks and that I could continue to use my debit card. They also told me to delete my XXXX from my phone until the following Monday on XX/XX/XXXX in order for them to reset my account and so forth. I did this not knowing it was fraudsters. I put my XXXX back on my phone on XX/XX/XXXX and seen I wasn't set up with the new account and that my account was negative, which I thought was strange. I called USAA at lunch time between XXXX and spoke to someone who basically didn't see the " new account '', and she transferred me to the fraud department. I had waited as long as I could but had XXXX waiting and I had to go work. I called the following day to see what was going on, I seen my bank account was shown to be even more negative. I got to speak to an actual person with the fraud department who let me know, that a new checking account wasn't set up and had me reset my username and password to my USAA account and told me that USAA would do a fraud investigation. A few days later I also received a call from USAA asking me if I had applied for a credit card, which I did not, it was again whoever had taken this information. USAA did XXXX different fraud investigations and deemed the clean out of my account as not fraud. A total of {$15000.00} was taken by the fraudsters. USAA did refund {$1600.00}.
Product: Debt collection

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or COMENITYBANK/VICTORIA XXXXXXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I jace had someone steal my identity and use it to take out loans and other credit accounts. These accounts have been reported investigated and removed however the inquiries are still present on my credit report and is hurting my credit file. I need for these inquiries to be deleted. I have submitted a identity theft report prior and the company stated I needed to send a letter giving authorization to remove the fruad inquiries. I have since written the letter and listed the inquiries
Product: Debt collection

on   XXXX   XXXX   XXXX     i received an email from   XXXX   XXXX   stating my  credit score  has changed, stellar recovery had placed an account in collections lowing my  credit score   XXXX  points and lowing my fico score  XXXX  points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX on XX/XX/XXXX for {$720.00} and I agreed to pay a lesser amount with the agreement that it will be removed from my credit report. They never did remove it and after disputing it on XX/XX/XXXX the result came back as it will stay on my credit report the {$720.00} is still showing even though I paid the agreed amount. This is very unfair as I thought it was resolved.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite these efforts, the incorrect information has not been corrected, and no satisfactory resolution has been provided. 

Violation of 15 USC 1681i ( a ) ( 1 ) : The credit bureaus failed to complete an investigation of my dispute within the mandated 30-day period, delaying the correction of inaccuracies.

Violation of 15 USC 1681b ( f ) : The credit bureaus did not follow proper procedures in ensuring that the information reported on my credit report was not misleading or inaccurate.

Violation of 15 USC 1681c ( a ) : The credit bureaus continued to report outdated information that should have been removed after the legally required period, breaching the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Dispute # XXXX I would like to reopen the initial dispute that was charged on my Chase Card XX/XX/XXXX, and was being investigated during in XXXX and XX/XX/XXXX. There was a charge on my card from XXXX of XXXX  XXXX for a product that was not received. As the dispute was being reviewed by the company on XX/XX/XXXX, I had a phone conversation with the merchant. We came to an agreement that in place of upgraded I would instead be provided with a premier dealer grade service package that would honor my cars complete services for the next XXXX miles. This package was to be a dealer level service, and would be honored at ALL XXXX locations. The receipt of this transaction was provided and acknowledged through email. After obtaining this service had called XXXX of XXXX. I have previously done business with them numerous times in the past, and they are a preferred dealership where I take my car. I spoke to XXXX XXXX, the service manager, and I was going to bring my car in for service during the holidays. XXXX informed me that they would not honor the service package that XXXX of XXXX XXXX provided me. After this conversation I called and emailed the manager of the XXXXXXXX  XXXX dealership who informed me he would reach out to them and resolve any issues. He also proceeded to tell me I could bring my car to XXXX of XXXX XXXX in the meantime for service. I proceeded to schedule my appointment, however, the soonest I could get my car in was XXXX of XXXX. This was 2 months later. I had no other conversation at this point. It was my understanding that the issue was then resolved. On the day of my appointment time. I promptly went to XXXX XXXX XXXX XXXX at my scheduled time. Upon arrival no one had any indication I was to be there. When they were taking my information I handed the service advisor my " XXXX XXXX '' card. At this point they had no idea of the service plan I was given. They instructed me at this time to speak with a service manager. After a brief conversation he also informed me he had no history of the purchased service plan, and would not work on my car. It has been months, and I have received 0 products or service from XXXX of XXXX XXXX, but yet they have received my money. I have never had a service / purchase history from this dealership. I strongly feel this is a case of fraud. I have uploaded documents to support my case and have them referenced to the case number above.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Despite me using Zelle numerous times, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not available. This has been a repeat offender and has neglected to protect my account from scammers.