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

I called to pay my XXXX car payment on XX/XX/XXXX, over the phone to Nissan and provided my routing number and account number for them to electronically get the funds for my payment from XXXXXXXX XXXX On XX/XX/XXXX I started receiving calls from Nissan that I did not make my payment and I clearly told Nissan that I did and asked them where did my payment go too. Nissan said I needed to provide the correct documentation from XXXXXXXX XXXX showing that my payment was paid. On XX/XX/XXXX I went to my XXXX XXXX and asked to get a complete print out of my account activity to show from my statement that on XX/XX/XXXX the transaction from Nissan XXXX for {$500.00} to XXXX XXXX and XX/XX/XXXX transaction XXXX from Nissan {$3.00} for the transaction fee to XXXX XXXX. I submit this both email and fax to Nissan and was told on XX/XX/XXXX when I called Nissan to be sure that they received my information I was told to wait XXXX XXXX business days for the investigation to get a credit or the payment was found. I called Nissan on XX/XX/XXXX to see where the investigation was at in the process and I was told there currently was no decision and to call back on Monday XX/XX/XXXX to get the final resolution. On Monday XX/XX/XXXX I called Nissan to see where the payment was at and the agent proceeded to tell me that the case was closed, I need to dispute with my XXXXXXXX XXXX  and would I like to make a payment, I said no I was going to my bank to get answers. I proceeded to XXXXXXXX XXXX right after I spoke to the agent, explained the whole story again to them, they pulled my information and printed me my statement and explained to me that I provided my account information to Nissan and since they extracted the money from my account XXXX that this is on Nissan and not on the bank and I have nothing to dispute with the XXXXXXXX XXXX over. The bank personnel said that I have to go back to Nissan and tell them that this is on them and take further action against Nissan.
Product: Checking or savings account

To Whom this May Concern and Can Take Corrective Action : I believe SquareUp.com ( Square Capital? ) may be making changes to their customers ' account with customer notification in order to generate additional fees or show growth in services under management. 
Approximately 60 days ago, Square changed my business account balance transfer policy from automated daily, to transfer manually as requested. This change generates added fees. My staff did not make this request, and when Square was contacted, they claimed not to have made the change. It was a computer mystery. 

Today ( XX/XX/20 ) I received the following unsolicited email from Square : Hello ________________ ( purposely blank ) We received your Square Card order. Your card should arrive at the shipping address you provided within 10 days. 

_____________________ ( purposely blank ) We will send a confirmation email when your card ships. 

Thanks, The Square Team I did not request a debit card from square, nor did my wife, who is the only other person with admin credentials on the account.

When Square was notified about the error, they stated that only I could have requested a debit card. I asked for IP address from which the request was made. Square declined. Red Flag.

I believe Square may be knowingly making changes to client accounts and initiating additional services in an effort show company growth, to the detriment of their clients. 

Please investigate further, and contact me directly for additional details.
Product: Credit card or prepaid card

The issue I am reporting is with the rewards program of the Barclays Arrival Plus World Elite Mastercard. Per the card 's terms and conditions, purchases earn " arrival miles '' which in theory should be usable for travel related purchases. The exact wording on the website is " Travel purchases eligible for redemptions are defined as airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines, ferries and your account annual fee. '' However, over the course of ownership of this card there have been two instances where I have made purchase from qualifying institutions ( as detailed above ) and the bank refused to allow me to apply my award as advertised. The first was the purchase of a XXXX USD XXXX gift card, which the bank said did not qualify as it was a gift card. However the card was purchased from a transportation firm with no other possible redemption except for against future transport on the XXXX network. The second instance was a hotel stay for XXXX USD which was erroneously categorized as a restaurant, for which the bank representatives noted they had no ability to correct. As the stay was clearly labeled as a hotel, the XXXX XXXX XXXX, I do not see how the bank can continue to refuse to honor the terms of it's own reward program in what is clearly a demonstration of bad faith. I would ask only that the bank apply the correct amount of it's rewards system to my charges as advertised.
Product: Vehicle loan or lease

Vehicle was repossessed by company on XX/XX/2022 without notice of default letter & threatening to move and sale car. Especially when I told them I just was released out the XXXX with XXXX. Not allowing a reasonable redemption payment, asking for half the payoff amount.
Product: Credit reporting or other personal consumer reports

SYNCB/SAMS Account # : XXXX Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/year> The account passed the statute of limitation and I am requesting it be removed from my credit report.
Product: Student loan

XXXX University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started XXXX businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In XXXX, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on XXXX none the less. Thanks! Finally I just paid the money so they 'd stop calling. The same thing keeps happening. I go through the trouble of filling out all this paperwork, sending my tax return and wasting time with customer service. Each AES representative has something different to say. This has happened several times. They assure me everything is all set, or that they 're sending forms via email and regular mail. Now I 'm not even getting forms. I 've had nearly everything I own robbed from me in XXXX. That was an awful feeling, the feeling AES is giving me is even worse. I 'm just trying to get my business off the ground and AES is there to ruin any chance of me succeeding, probably buying a house in the future. The only thing they 're good at is ruining my credit. I 'm confident that this is XXXX of the worst run businesses in the world. Oh and want to know about my other student loans, NO PROBLEM. XXXX of them is paid off in full. AES on the other hand is raping my financial stability. I studied XXXX and that was a walk in the park compared to dealing with AES. If you call their customer service, an automated voice takes 10 minutes to check if you were in the armed forces. I ca n't believe I owe this company money and I will certainly be looking for any alternative. A high interest credit card would be a better option in my opinion. I 'm absolutely broken by this company, words really ca n't describe how I feel. It 's not like this has happened once or twice. It 's happened so many times that robbing a bank seems like a sensible option to get rid of this loan. I bet if I had the money in my hand to pay off in full, it would be a huge hassle. I hope that something can be done about this. It 's completely unfair.
Product: Credit reporting or other personal consumer reports

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Product: Debt collection

I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, Experian and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, Experian, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Name, U S DEPT OF EDXXXX  Account XXXX XXXX, Account Name, U S DEPT OF EDXXXX Account # XXXX Account Name XXXX DEPT OF EDXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692c, I request that you immediately investigate and verify the validity of this debt or delete this account from credit report. I have reason to believe that this account may have been reported without proper communication or in violation of my rights under 15 U.S.C. 1692c. I believe that I have not been properly notified, and the collection efforts may have occurred outside the scope of permissible communication, thus violating my consumer rights. In accordance with these provisions, I request the immediate deletion of this account from my credit report unless the account can be verified with supporting documentation in compliance with the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to send me a 1099-C to eradicate the repossession they unauthorized put on my credit report. 
XXXX XXXX XXXX XXXX Collection/Chargeoff Auto Loans {$6000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$6000.00} Account Details 2 ) Tower Loan put this account on my credit report as charge off in XXXX when it wasn't on my credit when I paid it off in XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 26 Payment Frequency Monthly ( every month ) Worst Pay Status Unknown 3 ) XXXX XXXX XXXX XXXX XXXX has this on my credit report as late payments when my account has been updated XXXX XXXX XXXX XXXX 90 Days Late Personal Loans {$6100.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Amount Past Due {$440.00} Account Details According to all three credit reporting agencies all those accounts are not correct in that I didn't give permission for my credit report to accessed nonetheless items fraudulently placed on my report according to The law code for unauthorized reporting on a credit report is 15 U.S. Code 1681r which falls under the Fair Credit Reporting Act ( FCRA ). I request that those items be removed immediately from my credit report. 

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX All the other names and addresses are not mine. I want them removed as soon as possible due to data breach and information not correct according to Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681.
Product: Checking or savings account

I closed on a home and was given XXXX checks : XXXX bank checks ( certified bank checks ) and XXXX check from a law firm trust account. I deposited the checks into my Chase account ending in XXXX. The bank has not released the funds, stating that they can not confirm the funds. These are bank checks and a law firm check, all of which I have confirmed. Chase got the funds on the XXXX. I went into the branch and was told their is nothing they can do and they can hold until they verify the checks, I explained and gave them the contacts at the XXXX banks and they stated they would follow up with the main Chase group. I have called the XXXX number waited hrs, they just hand up and I gave them the bank contacts at all three banks. This is over XXXX and I do not know what to do? 

thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report, as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, I am contesting an account that was fraudulently opened in my name due to identity theft, which has since been closed but remains reflected on my credit report, including associated collection entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington law to remove 2 late payments from XXXX XXXX XXXX off my credit report I was promised that it could be removed and they never were able to remove them from my report I had payed for over a years worth of payments towards the removal with no results from what was initially promised
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

On XXXX, I noticed that my credit score with XXXX, XXXX, and Experian dropped from XXXX to XXXX despite no change in my credit report. I contacted all 3 by phone and only XXXX was able to fix this drop, stating it was because there was an erroneous dispute from my bank XXXX XXXX XXXX XXXX ) on my credit report, they removed this and the score went back up. My score with XXXX went back up on it's own. Experian could not tell me what was wrong via phone. I submitted a dispute via their website to ask for details why the sudden drop with no change to the credit report, and this did not result in any information. My credit score with them as of today ( XXXX ) remains at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on   XXXX    XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on  XXXX   XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.
Product: Debt collection

Hi! On XX/XX/20 I have XXXX  and was hospitalized for 2 months, my insurance on that date was XXXXXXXX XXXX XXXX and it was supposed to cover 100 % of my XXXX, but didnt, I spoke to them many times and they told me to forget it, because they were going to solve the problem, 4 years have passed and I received a debt collector letter that I have to pay {$500.00} I currently XXXX and I can not pay it due to an error of my health insurance
Product: Checking or savings account

Ok I have and email that I'm getting about and acount that is name was change to the company I called PayPal holding to give me more information about the account but the only information that I could provide was the omb number becused that all I had omb numbers XXXX with PayPal holding and the only recent y I called I all so have a learning XXXX and I don't really comprehend everything i read so if I neglected any thing like and legal documented its becused off my XXXX but it don't mean to i ignore it but I don't know about the name change on the forms and now will give me no information all I know that pay pal change the document to there name so I would like to know more in ok I appreciate this very much
Product: Mortgage

On XX/XX/XXXX, I became a XXXX percent XXXX veteran meaning I no longer have to pay property taxes which was effective XX/XX/XXXX. On XX/XX/XXXX I call PHH Mortgage and request my taxes be removed. Which I verified thru customer service it was processed on XX/XX/XXXX. On XX/XX/XXXX, I again email a qualified written request on the bank 's written form to request my Tax escrow be closed and my refund be sent to me. On XX/XX/XXXX I call back and found that they said they updated the system but had already paid the full amount of the Taxes. They stated they would start an inquire to locate the overpaid funds. On XX/XX/XXXX, I again contacted PPH and they told me they open a another inquire with no additional information. On XX/XX/XXXX I called again, and they told me the inquire is still open and it will take 4-6 weeks from XX/XX/XXXX, XXXX. at this point I believe PHH is in violation of 12 CFR 1026.34 for escrow refunds and for error resolution. Nothing about how they responded to a qualified request is timely nor is the length of time for refunds considered timely.
Product: Credit reporting or other personal consumer reports

Wells Fargo Auto Loan Services provided an auto loan to me. Wells Fargo also provided without my consent or knowledge a third party auto insurance policy with XXXX XXXX XXXX and deducted from my monthly payment ( s ) the collateral coverage premiums before assigning my payment to my loan. I already had auto insurance on the vehicle with XXXX. 
I was behind on 3 payments per Wells Fargo due this monthly payment deduction for insurance I didnt need. The loan matured in XX/XX/2019. I paid the full loan amount due of {$3600.00} XX/XX/2019. Loan was paid early. Before mature date. 
Reported to collections agencies that XX/XX/2019 {$3300.00} written off and XX/XX/2019 payment received {$360000.00} on XX/XX/2019. Account reported as charge off bad debt. 
Three credit buried have different information reported. 
I have disputed this account for years and still the account remains a bad debt. 
A refund check on insurance premiums was refunded me but nothing with credit report happened. Remains a bad debt on my credit report
Product: Mortgage

I am writing to formally file a complaint against CrossCountry Mortgage regarding my request for a loan modification to obtain a XXXX mortgage. 

I have diligently provided all the required documents as requested by the company, including XXXX consecutive pay stubs within a 30-day period and a written letter of explanation. However, despite fulfilling these requirements, CrossCountry Mortgage continues to request additional pay stubs, creating unnecessary delays in the review process. 

This ongoing request for the same documentation after multiple submissions is causing frustration and concern about the companys handling of my modification request. I am seeking a fair and transparent review of my application without excessive and repetitive documentation requests that appear to be stalling the process.
Product: Credit card or prepaid card

Someone stole my card to Homedepot I didn't notice the card was missing until I recieved my Monthly Statement. I immediately called to inform them. They reversed the charges and sent me a new card. After a few weeks I get a Statement that shows they reversed the reversal. I called and they told me they denied the claim. I filled a police report and credit card company was suppose to send me more information. I have not recieved any correspondence and they are saying I owe the money. They claim they completed the investigation. Obviously they didn't compare signatures/security footage or do any sort of investigation or they would of clearly seen I wasn't the person who made these charges.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a medical bill opened atXX/XX/XXXXL XXXX XXXX XXXX XXXXXX/XX/XXXX on XX/XX/XXXX and XX/XX/XXXX, a cable/phone account opened atXX/XX/XXXX on XX/XX/XXXX, a cable/phone account opened at XXXX XXXX XX/XX/XXXX and a collections account opened atXX/XX/XXXX on XX/XX/XXXX with a balance of {$50.00} that appears related to the aforementioned car insurance account fraudulently opened atXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have two purchases on my my account ( 1st XXXX {$280.00} and 16th XXXX {$240.00} ) I tried to contact the merchant and no response.So I started this dispute and citi credit card representative tell me I did not respond them so that the case closed .in the meantime, I did not get the letter, email or telephone call from Citi .
Product: Credit reporting or other personal consumer reports

I applied for financing from Drive time for a vehicle and despite having approximately {$6000.00} a month in income they were only qualifying me for XXXX a month and requesting that I pay a down for approval. I believe the financing team at this company is engaging in predatory lending practices. I was in a no fault accident and am without a vehicle currently trying to maintain XXXX jobs and caregiving for my elderly mother this is unacceptable behavior.