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

On XX/XX/ I surrendered my XXXX XXXX XXXX after XXXX agreed to repurchase my vehicle as it was deemed a Lemon. XXXX did appropriately reimburse me for payments made, minus usage ( XXXX days/XXXX  mileage worth ). I was told to cancel and request refunds from the dealership regarding the maintenance and lease protection contracts not covered by manufacturer for Lemoned Vehicles. I made this request minutes after surrendering the vehicle while at the dealership. 
XXXX XXXX I had to go in and follow up, wondering where the near {$3400.00} ( one for {$1500.00}, one for {$1900.00} ) in said refunds were. 6 weeks after filing the forms. The dealership claimed they had no knowledge of any such cancellation. Further inspection and requests and my following up, I discovered XXXX XXXX XXXX and Ally Financial submitted the wrong paperwork and had shorted one refund about {$660.00}. The other {$1500.00} contract still no one is aware of. 
It has now been 70 days, and I am reaching out every day to find a status and update. Ally has not responded or replied in 2 weeks. Theyre still looking into it. 
I am aware and understanding of prorating the refund and adjusting for the 13 days of usage before the vehicles 1st service for the issues it was lemoned for. That prorating would still leave my refunds about {$1400.00} and {$1900.00}. I have only received one check for {$1300.00}. This was the misrepresented refund for the {$1900.00} contract. Ally has been working to process the supplement, but seem to only have produced {$620.00} of it. But that check has not been issued yet as of today, XXXX From my experience and belief, I feel they are doing whatever they can to wrongfully withhold my owed money.
Product: Student loan

My XXXX loan was consolidated with out my knowledge and are now being serviced with XXXX XXXX. I was told my loan would be forgiven due to being a government employee and my income and went a year with no payment. A year later I received information that my loan payment would be XXXX monthly. I have contacted XXXX XXXX regarding my loan and have been told there is nothing they can do to help me. I have made payment to them to keep them from reporting negatively to credit! I was not told that according to my tax documents I had XXXX dependents and then when they reviewed my loan it was discovered I only had XXXX dependent. I have NEVER reported the the IRS I had XXXX dependents. XXXX XXXX has not provided me with any proof that I gave them or anyone else permission to consolidate by loans through them ... ...
Product: Debt collection

On Monday XX/XX/2019 around XXXX XXXX I received a phone call from a debt collector. The representative identified herself as XXXX from the XXXX XXXX XXXX XXXX. She advised me that the call was being recorded and that this debt will be sent to an attorney. In which I was a bit confused but however I continued with the conversation. She went on to explain about my debt with Citibank/Home Depot of XXXX and some odd dollars. Ms. XXXX then asked what could be done to clear this debt. I explained to her that at this moment I couldnt contribute anything toward this debt. However I did reach out to Citibank about a month of some ago to settle out this debt but was told that it was already charged off and sold to another company. Therefore the money I had was place on another debt account. But I will start working on paying this debt off next month. I explained that my income was limited due to a injury I sustained in an accident last year. This representative then started to get personal with asking me questions concerning what purchases did I make with this credit card? Have I been clear by my doctor, why I stopped paying this bill and so on. I began to get a bit frustrated and asked her why are you asking me these personal questions. She then stated because she was asking to get to know a little more about myself. I then told her that the questions she was asking have nothing to do with collecting money for this debt. She then went on stating that she was going to reach out to her supervisor to see what options that would be available for me to settle this debt. So I agreed to hold the line to explore my options. I was placed on hold for several minutes and then a male identified himself as XXXX supervisor. He went to asks why did I stop making payments on this debt. How can I make payments with other creditors and not make a payment on this debt. This debt isnt a priority to be paid because he have my credit report in front of him. That he can seen Im paying on other account but not this Citibank account. I explained to him that thats none of his concerns about what Im doing with my money. He then wanted to know why I was upset with the line of questions that were asked. I explained to him why, and that I feel as though that I feel like a victim of harassment. Also acknowledge that I was very patient with these two individual that question me for over eighteen minutes about a debt that I explained to them both that I was going to pay. I was extremely upset and ended the conversation immediately. Unfortunately, at that point I didnt find the need to continue on with this conversation. Because this matter couldnt be financially address until next month as I explained from the beginning of the conversation. I am very disappointed and upset with how I was treated by the individual that represent this company. Especially during this critical time of experiencing this financial hardship.
Product: Credit reporting or other personal consumer reports

Hello, With XXXX I have submitted XXXX disputes regarding improper reporting of my credit report. I have contact my creditor they stated I did not miss payment, when attempting to call XXXX  all correspondance are blocked or not going through. Chat support contiously refuses to answer my questions directly when attempting to resolve my issue. They have failed to make corrections to my credit score stating that I missed a payment within XXXX  days XXXX. Credit reporting and updates are provided on a month to month basis and they reflected my credt score based on XXXX  when my account are up to date and paid. My credit score dropped XXXX points due error and incorrect reporting on either the creditor or the bereau. I would like all credit bereaus evalulated to assure that everything is corrected back to its orginal status.
Product: Debt collection

XXXX XXXX XXXX XXXX turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to Track America , INC . This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked XXXX XXXX to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX  ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
Product: Debt collection

I have requested several times from this company verification that I owe this debt and they have failed to provide it. They continue to call me and they continue to file it every month as a new debt damaging my credit. They claim this is a debt from a rental property where the lease was terminated by the rental company and they were paid in full prior to me moving out. I advised the collections company of this and they refused to request documents from the rental company to verify no debt is owed and failed to provide me proof of debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : 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 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 I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ).

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I have upload proof of address and my social security card.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I advised EXPERIAN that I am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my EXPERIAN credit report, copy attached, I noticed a potential violation of my right to privacy through unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me.

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERIAN is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Accordingly, EXPERIAN has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), EXPERIAN may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. 

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately. 

See attached EXPERIAN Credit Report dated XX/XX/year> Report XXXX XXXX XXXX. XXXX Account XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number - XXXXXXXX XXXX XXXX XXXX XXXX  Account Number - XXXX Additionally, notice was given to EXPERIAN, I, the consumer in fact, rescind and revoke any prior written, verbal or electronic authorization that I may have granted and hereby effective immediately, XXXX XXXX XXXX, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).
Product: Debt collection

Account XXXX is being reported on my Equifax credit report. There is no creditor name listed. I sent letters to Equifax asking them to verity this account is accurate. I have yet to get documents validating this debt. How is there a no name creditor account reporting on my credit report? I have yet to get any paper work. This is a violation. I have disputed the information 6 times with Equifax. I have attached documents providing the violation..
Product: Payday loan, title loan, or personal loan

Became late on payments due to very XXXX, behind since XX/XX/2022 2022
Product: Checking or savings account

I went to the Wells Fargo branch in XXXX on XXXX XXXX XXXX yesterday XX/XX/XXXX. I needed to get a US Treasury Form signed by a banking official per US Treasury instructions. The Form was a Bank Change Request Form FS XXXX that requires bank officials sign and specifically says a notary is not sufficient. Someone at WF signed the original form years ago when I opened the US Treasury acct. The WF employee told me after she researched with her support team that WF does not sign these forms. How can a federally charted bank get away with not signing a federal form to process a bank change with Treasury? I then spent three hours being transferred around WF when I called their customer support, and nobody could even acknowledge that they knew what a FS XXXX was?
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i told citi bank many times in many ways my tenant defaulted. 
and damaged the house. 
i have aXXXX history with this bank as far as my payment history. 
i have no idea why someone went to my house to inspect the house. and now i have a fee. I will not pay for that nor was there a reason to go to my home to inspect it. i was in communication with this bank as to the exceptional circumstnaces. there is so much red tape they have insisted on credit reporting and this. which means no more business with them. i am enraged. not poaying these fees when at no time was i told about this or was such a visit needed to my home
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was the victim of a work scam. I answered an e-mail sent out through the XXXX XXXX XXXX XXXX XXXX XXXX e-mail, regarding working from home for a professor related to the XXXX program. I answered and accepted the position. On XX/XX/2024, after supposedly being employed and completing an assignment I was given, I received a check for {$1600.00} from my " employer ''. I used mobile deposit to deposit the check into my XXXX savings account and received a confirmation of the transaction from the bank and the funds seemed to be available on XXXX. On the following day, XX/XX/2024 my " employer '' requested that I transfer {$1000.00} of the funds to another employee so that the other employee could use the funds to make a purchase for the department. I attempted to transfer the funds to this other person first on XXXX and then on XXXX and both times the transactions were declined. My employer asked me to then try Zelle. ( I had been following their instructions on what to do ). The transfer of {$1000.00} from my account to the other employee seemed to go through using Zelle. The situation seemed odd to me so I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX  department on XX/XX/2024 ( ticket # XXXX ). Later, that same day the IT department called me and told me that the XXXX e-mail used to communicate with the so called employer/professor was fraudulent. I immediately contacted the XXXX XXXX XXXX XXXX XXXX police department and subsequently the XXXX XXXX XXXX Police department ( report # XXXX ). On the same day, XXXX I also contacted my bank, XXXX, to inform them of the situation. The bank immediately " froze '' my accounts both checking and savings. On XX/XX/2024, the XXXXXXXX XXXX department recommended that I file a report on IC3.gov, internal crime complaint center, which I did. On XX/XX/2024, I was contacted by XXXX and was told that I owed the bank the {$1000.00} that was sent out through Zelle. XXXX said it was my responsibility as the originally deposited check eventually bounced and the funds were not there. I feel like I am being punished twice as a victim and the bank is seemingly free of responsibility for the situation. The " virtual funds '' were transferred multiple times before XXXX determined the check was fraudulent. If XXXX had verified the check sooner or even put a hold on the funds related to the unusual activity the {$1000.00} would not have been released. Zelle could have declined the transaction themselves just as XXXX and XXXX did. If Zelle had done this, the money would never have gone anywhere. I would never have requested the transaction if I knew I didn't have the funds to cover the transaction. I truly feel like the bank, XXXX, and Zelle should share some of the responsibility for the victimization of the consumer by fraud. All of us were taken advantage of. Now a XXXX XXXX who is already short on funds and who was willing to take a job to earn some extra money, is expected to pay back what I don't even have.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with XXXX XX/XX/XXXX - Dispute opened with XXXX XX/XX/XXXX - Dispute opened - letter attached to online dispute with Transunion
Product: Debt collection

This collection agency claims that they sent me a letter. I have never received anything. Secondly they are calling my main work phone number after being told that they can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Debt collection

I purchased a washer and dryer from XXXX XXXX  XXXX in XXXXXXXX XXXX and it was financed through American First Finance. American First Finance said that if I paid it off by XXXX, it would be paid off through a early buyout plan. I borrowed XXXX dollars to pay it off on XX/XX/2022. I have a copy of the transaction. However American First Finance says that I purchased something else on that date. I never heard of this company until I purchased the washer and dryer. I never purchased anything from XXXXXXXX XXXX  XXXX since. I've filed several disputes through XXXX, because, it's affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Product: Vehicle loan or lease

I am filing this complaint against BECU regarding an unfair and unauthorized addition of XXXX XXXX XXXX XXXX XXXX XXXX charges to my auto loan account. Below are the key details of the issue : Lack of Prior Notification : I was never informed by BECU about the addition of XXXX  to my account. The first notification I received was via a mailed letter dated XX/XX/year>, which I only received on XX/XX/year>. 

Retroactive and Arbitrary Charges : In the letter, BECU stated that XXXX  coverage was added to my loan for the period of XX/XX/year>, to XX/XX/year>, without notifying me in advance. Additionally, they retroactively charged {$550.00} for this XXXX  and directly added it to my loan on XX/XX/year>, without my consent or prior communication. 

XXXX Customer Service : After receiving the letter, I tried calling BECU 's designated numbers to resolve the issue, but my calls have not been answered. This lack of response has left me frustrated and unable to resolve the matter directly. 

Proof of Compliance : I had already purchased the required insurance in XX/XX/year> and uploaded the proof through XXXX as instructed. Despite complying with their requirements, BECU failed to acknowledge the insurance coverage and still imposed XXXX  charges retroactively. 

This situation is unacceptable, as BECU 's actions violate fair business practices. The retroactive addition of charges, lack of communication, and unresponsiveness to customer concerns have caused me significant stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$580.00} XXXX XXXX {$18000.00} XXXX XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX {$810.00}