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

To whom it may concern I purchased a vehicle about 2 years ago and ally is the bank that finance the vehicle. In the beginning everything was fine until about 5 months ago. Almost every payment i make ally returned the money to my bank account. When I contacted my personal bank they told me the error is not coming from their end that its coming from ally. A couple days ago I tried to make the payment again, while the payment is pending ally reposes the vehicle. I called them to tried to get the vehicle back they told me I have to pay the full amount of the full loan to get the vehicle back. Which doesnt make no sense and the error wasnt coming from me. I want to know if theres anything you guys can do to help me because I would hate for this to go on my credit.
Product: Checking or savings account

My account was closed and I was unaware. They said it was closed for non-payment of overdraft fees. No proof was ever sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX  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: Student loan

I went to a XXXX school for my XXXX and had the opportunity to attend university abroad to obtain a XXXX. This option was more affordable than to stay local and attend my same school so I took a Sallie Mae Loan. Sallie Mae unfortunately does n't offer income based enrolment programs so come 3 years after graduating with XXXX degrees, I found myself unemployed and {$180000.00} in student loan debt. 
But Sallie Mae was not understanding or accommodateing. In fact, they have not only harrassed my mother and myself by calling 14 times a day each, they attacked my co-signer, my XXXX XXXX XXXX grandmother. They sent her to the hospital with an XXXX after calling her one Sunday, telling her that if she did not pay my balance of {$85000.00} within three days, they would take her home and social security. I am continually given false and misrepresented information from Sallie Mae representatives. I also came to find out the University in which I attended is no longer in existence. XXXX XXXX University XXXX. There are also class action cases against my school for misrepresentation. I am at a point where I do n't know what or who to turn to. Please help
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I had a issue with my chase account everything was wiped out and I couldnt get a hold of anybody to get to the bottom of it customer service wasnt able to solve my issue professionally XXXX I had an issue with my hunting business account
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX/XXXX  XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$590.00} XXXX  XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with reporting credit reporting agency. It has come to my attention that you have included false information, which has had a significant negative impact on my credit score and my ability to access credit to help support for my family .these inaccuracies hindered me from XXXX XXXX XXXX  and believing financial stability for m family .it is completely unexpected that Im being stopped and hindered from doing these things because of false information and incorrect inquiries Thank you XXXX XXXX
Product: Debt collection

Amsher Collection called me from XXXX. Their representative ( rep ) XXXX XXXX stated that XXXX/XXXX had put me in collections. However, I am currently in dispute with XXXX   due to misrepresentations, faulty equipment and turning off my service but still billing me. Over a two month period, I have had over 8 XXXX representatives from call with no coordination to resolve the issues. 

The AmsheXXXX rep XXXX stated that XXXX " of course '' put my account in collections. I asked the rep to clarify why XXXX would " of course '' put my account in collections. The rep would not clarify why she said " of course '' and tried to make me wrong by asking the question, She then threatened that my XXXX account would adversely affect my personal credit report. XXXX is retaliating against me when I trying to resolve a dispute with mybill ( see enclosed attachments to the FCC and CA Attorney General. 

When I again asked XXXX XXXX to clarify what she meant, she hung up on me stating " I am courteously disconnecting this call. '' I am not sure how just saying the word " courteously '' then hanging up on someone in mid sentence is " courteous. '' Also, I am not sure how threatening to putting my disputed account into collection and threatening to degrade my credit is " courteous. '' I immediately called XXXX management ( Director of Customer Service, XXXX at XXXX ) and asked him why my account was in collections when his diviison and company was working to resolve the dispute.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were all sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  INQUIRY, XXXX XXXXXXXX XXXX INQUIRY, XXXX XXXX XXXXNQUIRY, 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: Student loan

I received an email on XXXX XXXX XXXX from MOHELA informing me that : XXXX. I was not required to make payments from XXXX through XXXX as I was supposed to be on forbearance. Yet I still received bills during this time. 

XXXX. When I was billed, I was not billed with at least 21 days notice. 

This email came 3 months late and then on a holiday when no one can even be reached to discuss the matter. I had to call today and was on hold for XXXX hours to reach an agent. 

The recourse is the extra payments were applied to my ever growing loan balance or I could request a refund. The refund is expected to take at minimum XXXX business days but maybe even XXXX. 

This is absolutely unacceptable. They have XXXX  the payment and forbearance process, taken unnecessary payments instantly and then they want to take 3 months to send a refund?! 

This company needs to be fined and placed out of business.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$46000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00}.
Product: Student loan

I 've been having a very hard time with Navient. I filed XXXX complaints against them. I believe they feel nothing will be done so they continue to treat the consumers like garbage. I 've been trying my best to get things with them resolved with the loans I co-signed on. First of all, I 'm trying to figure out how they loan jumped from one cost to another. I understand late fees and all but to go from XXXX in loans to over XXXX ... Yeah I think something is wrong with that. Not to mention I have requested numerous time to get a copy of the promissory note for the loans. Also, they received the correct mailing address and phone number for the loan owner ... ..they never updated the information. Lastly, the people we have been speaking to, give us partial information ( if not down right false ), they are rude and in my case, they did not answer my questions on my own loans I have with them because of issues with the co-signed loans. I feel like something really needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a XXXX XXXX can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence. 

Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ). 

I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}. 

I hope I get the justice I receive. 

Thank you for taking the time to consider my case. 

I can be reached via email at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX XXXX
Product: Debt collection

This company call multiple days of the week numerous times a day. This number is not listed in my name nor is it a contact number for me. These calls going to this number need to cease. These calls have been ongoing for multiple months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked an inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The transaction in question with Identifier # XXXX was received to the account in question on Sunday XX/XX/XXXX at XXXXXXXX XXXX as a gift in the amount of {$30.00}. However, It was never deposited meaning it never reflected within the account. The company involved continuously discloses unauthorized account details from past transaction that are irrelevant to the matter and suggest a negative balance that the account did not express.
Product: Credit card or prepaid card

In XX/XX/2022, my credit card balance doubled in size due to an unexpected charge from XXXX  and XXXX XXXX. I had previously stayed at this resort in XXXX of 2022, however ; I had prepurchased my trip through XXXX XXXX  in XXXX 2022. The trip was all-inclusive. As such, the trip included airfare, shuttle, lodging and meals. Nevertheless, American Express allowed XXXX  and XXXX  to successfully process a charge on my credit card months after my visit without my authorization and no documented evidence or expressed consent of this charge. 

When I disputed this charge, AMEX requested that I show documentation of me previously paying for this trip, in which I did. They also further reviewed and noticed that the resort had previously credited my account, and I explained that I serious hospitality issues ( discriminatory allegations ) with the resort while on my vacation, in which they compensated me for my stay. AMEX noticed a debit of {$150.00} from my card while at the resort, in which I DID authorize, because I wanted to upgrade my room while at the resort from the XXXX XXXX to the XXXX XXXX ( {$50.00} per night surcharge ). However, AMEX never overturned the $ XXXX charge that was made against my credit card in XX/XX/2022. 

Throughout the dispute process, I was extremely frustrated as I could not fully understand my case XXXX, and vice versa, the case XXXX was speaking highly technical seemly to place this issue on me. It does not make sense why would AMEX allow a cardholder to be charged something under such circumstances previously communicated and without proof of authorization. Further, I purchase this trip in the XXXX. All incidentals ( i.e. {$150.00} room upgrade ) were paid for while at the XXXX. 

Why would AMEX allow another business, a non-US business to predatorily charge my account, doubling the balance blindly without warning, without notification and/or without research on AMEX 's part onto a long-standing customer 's account? This charge was out of my customer risk profile and purchasing habits, and should have triggered preventative fraud controls before this charge ever reached my credit card. To make matters worse, AMEX was wanting me to reach out to the merchant to ascertain the charge? Shouldn't this be AMEX 's responsibility as part of dispute? Months later, months after my stay and the incident. I left the hotel with no business card, no direct number, and no incident report.
Product: Credit card

I applied for a Citi XXXX XXXX XXXX XXXX online and it told me I needed to unlock my credit. I did that and then continued to apply online and was denied even though I have impeccable credit. I then called in and spoke to a representative who told me they could assist over the phone, they proceeded to pull my credit and I was approved. They then said it will take 14 days for you to get your card, I said I need to book flights tonight thats the only reason I applied for this card and she said oh sorry you can only get the card number instantly if you apply online which I had originally done. The phone representative should have told me before I proceeded that it would be 14 days till Id get the card I would never have proceeded with the application, extremely misleading. I then called back and asked what they could do to make the situation better and I eventually got to customer retention and they said oh sorry you havent been a client for 48 hours youll need to call us back then to see if we can do anything, what a kick in the teeth. I dont expect better from citi to be honest they are awful in every sense of the word
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE BEEN A VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRCT FORM MY CREDIT REPORTING WHITN 4 DAYS INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a loan that is currently delinquent with Mariner Finance because I am currently on medical leave and my XXXX has not been approved yet. The debt collectors are calling me from their personal cell phones. Today I have received 2 phone calls from their personal cell phones and 4 calls from their office. 2 of the calls were within 1 hour. Mariner Finance is aware I am on medical leave and has harassed me every day more than one time a day with phone calls. I have been out of work for 2 months unpaid and my loan is 2 months behind.
Product: Credit reporting or other personal consumer reports

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days XX/XX/year>, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts/inquiries. I expect WRITTEN CONFIRMATION By XX/XX/year> confirming that the fraudulent XXXX XXXX XXXXXXXX account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. FAILURE TO ACT PROMPTPLY WILL RESULT IN FURTHER LEGAL ACTION to protect my rights and restore my credit. Thanks Accounts XXXX  XXXX, XXXX XXXX XXXX ( XXXX  XXXX ) XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have disputed the ownership of debt that Source Receivables Management is claiming that I owe however as of to date they have failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. They are not able to provide his documentation and as such is trying to collect on a debt that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XX/XX/XXXX, I attempted to put a freeze on my credit date through equifax at www.freeze.equifax.com in order to prevent any fraud. I got through the process and to a webpage that said " Your security freeze request has been processed ''. Same page had the following " To view your one time PDF please Click Here '' and a link. The link did not work. So I could not retrieve my pin as the link didn't work. On Monday XX/XX/XXXX I called their customer service number, and was asked several security questions which were not answerable, and they would not let me proceed. I tried the same evening to go thru the process again, but since I had a freeze already, the only option was to unfreeze. There is no way to unfreeze without a pin, which they did not provide due to a problem on their website, and customer service is very unhelpful - as well as difficult to understand due to poor English. Also, they only operate during limited hours. Their website also includes a chat feature, which I tried to utilize for assistance, but they can't help with credit freezes. To top it all off, after the phone call with customer service I was supposed to be directed to a survey about the experience ; that didn't work either.