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

Every month I receive a letter from them stating that because I have no insurance on my vehicle they are tacking on an additional {$70.00}, I do in fact have full coverage insurance on my car and have never had a lapse in coverage. Every month I call and they tell me that they received a cancellation notice so I call my insurance company and they say theyve never sent one. In XX/XX/XXXX my car was hit and so I filed a claim with my insurance and they sent the claim to Lobel and they told me that the letter my insurance company sent was a cancellation, when I asked them to send me a copy of what they received they told me they cant because they dont have it. I have had to call my insurance company every month and ask them to fax my insurance over which they do, after Lobel gets it they say they received the wrong information but I always ensure they fax exactly what they ask for. Every month I pay my car payment either early or on time and every month they are threatening to ding my credit report because I refuse to pay the additional {$70.00} that they are tacking onto my monthly bill. When I filed my insurance claim my insurance company sent me a check that had both my name as well as the auto body shops name on it, when I was on the phone with Lobel the girl told me I needed to send them the insurance check, I politely told them no it goes to the auto shop and she told me if thats what you think
Product: Credit card or prepaid card

The Chase Sapphire Reserve credit card ran a " No Interest, No Monthly Fee '' promotion on their " My Chase Plan '' program that ended on XX/XX/2021. I took advantage of their promotion by purchasing 2 travel vacations, one at XXXX XXXX XXXX for {$6700.00} on XX/XX/2021, and another deposit at XXXX XXXX on a second trip for {$400.00} on XX/XX/2021. Both purchases were within the parameters of the Chase promotional period. When I went to sign on to take advantage of the " My Chase Plan '' promotion, I was told on a Chase website pop-up that my purchases did not qualify for said promotion. On XX/XX/2021, I tried again to put both those purchases on the Plan and both purchases were now eligible, but there would be a monthly fee for doing so. On 3 or 4 calls to Chase, they declined to remove the monthly fees that I was now being charged. Chase has declined to honor their own promotion and I have been charged fees that were not in existence when I made my travel purchases in accordance with their Plan promotion. I am requesting those current and future monthly fees be removed from " My Chase Plan '' and Chase honors their own promotion. Thank you.
Product: Student loan

On XX/XX/XXXX, I requested a refund for my student loans, as I am eligible for $ XXXX back through the current PSLF program. 

I got an email on XX/XX/XXXX saying my request for a refund was denied for missing information. When I called back they said I needed to verbally state that I understood I would have to pay any balance reinstated that was not forgiven. I had no idea I had to explicitly state this and was never asked this by a Nelnet customer service member. 

After I verbally stated, they told me it would take another 4-8weeks to approve the refund. After calling again today, they now say the amount of time it will take is indefinite. 

Its extremely frustrating because had the Nelnet customer service rep gave me to correct information the first time, the process wouldn't have needed to be restarted. I was extremely proactive by in calling back in XXXX, only for this entire ordeal to be delayed for no reason of my own,
Product: Consumer Loan

Like many of the military veterans USAA serves, I filed for bankruptcy. I immediately confirmed my intention to pay my vehicle loan in full. However, USAA eliminated online access to the loan and refuses to even send paper statements. The only way I 'm allowed to verify account information is to call a separate phone number that rarely works, apparently due to under-staffing in the bankruptcy department. 

USAA will permit you to set up monthly automatic payments for your loan, but a representative warned me that they do not stop the payments once the loan is paid off. After inexplicably making it more difficult for members in bankruptcy to access their accounts, the policy of accepting over-payments is tantamount to stealing from USAA 's most economically vulnerable members. 

USAA also blocks members who have come through bankruptcy from full online account access granted to all other members. I was told this was " corporate policy. '' Considering the unique financial challenges facing so many of our nation 's veterans, I would hope USAA would support ( rather than exploit ) members who go through bankruptcy.
Product: Credit reporting or other personal consumer reports

I have disputed a charge off on my credit with XXXX several time only to be told its verified, this account information is being reported as verified when you can clearly see that it does not match other credit bureau information, I would like for this item to be removed, it has been weeks since I ask for my old addresses to be removed and yet they still remain acct XXXX XXXX, the high credit amount has been reported inaccurate which is a violation, delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting denied for mortgages, new credit cards and loans for over 2years now due to inaccurate information being reported on my credit profile. Experian stated that my accounts were properly investigated but how is this if all the status update are 2-3 years old. If they did a proper investigation, then those dates would reflect something ending in 2022 but that's not the case because no real investigation was done. I've circled all the violations made by Experian in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a 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. 

Also they took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION deleted and blocked my XXXX XXXX account. This was not my request. I requested for TRANSUNION to DELETE all late payments and UPDATED to PAID AS AGREED. After I submitted that complaint, the late payments were deleted. When TRANSUNION closed out the complaint, they deleted the whole XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Equifax failed to comply with the Fair Credit Reporting Act. XXXX failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. XXXX, XXXX, & Equifax all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification. The following items listed on consumer report number XXXX, are a direct result of identity theft. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX Please see attached identity theft report. You shall block the reporting of this information in the consumer file of XXXX XXXX, not later than four ( 4 ) business days after receiving this notice.
Product: Money transfer, virtual currency, or money service

I was scammed online by a person that told me to send them money in exchange for XXXX. The account has been scamming lots of people and I notified Chase of this fraud account and to check all the cash that has been sent to his account. I posted on twitter to raise awareness of this issue and there has been a lot of people scammed into the same scheme of sending this guy money. His name is XXXX XXXX. I have the email account he used. XXXX He uses this email on XXXX  to get money. I asked chase to reverse the transaction since he has scammed me out of {$3600.00}. As of today, Chase has denied my claim and sees no fraudulent activity whatsoever. The guy even came forward and said he was scammed as well. I want my money back. There is no protection whatsoever. The account and email he uses has fraudulent activity on it. Cash going in and out. Chase refuses to do anything to rectify the situation. Why partner with  XXXX if they are just going to XXXX people. It might not be a lot but this is theft to me. Money gone for nothing.
Product: Credit card

My complaint is about a dispute improperly handled by the credit card company. 

My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. 

I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. 
-The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. 
-XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. 

When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. 

I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. 

It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reviewed a copy of my credit report and there are some accounts listed that are the results of fraudulent activity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never entered into a consumer credit transaction with any of these companies. I requested an investigation with these companies and I did not receive any evidence of any of these alleged debts. I was also told by one of the companies that they do not have a record of any accounts in my name. So I want these items removed immediately. I have included a copy of my identity theft report as well for further evidence of this fraudulent activity a long with my identification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I demand this be taking off my credit report immediately this is Account number not supposed to be on my report XXXX Open/closed Open Date opened XX/XX/2012 Account type Child SupportContact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  account # XXXX for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

A collection appeared on my XXXX, XXXX, and XXXX reports. Account with XXXX XXXX  was opened on XX/XX/XXXX, which was not me, I've been with XXXX for years. On XXXX the $ XXXX balance was sent to collections. I have never received any bills or notifications for this debt thru any methods, I just stumbled upon it while looking at my credit. I have disputed the debt, it's identity theft and fraud, the dispute is pending with MRS BPO, LLC.. I put a freeze on all my credit accounts in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It Make Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has admitted my information was stolen.
Product: Checking or savings account

This is an on going issue that I've been having with M & T Bank since XXXX. This is also my second complaint about this issue because they are refusing to take responsibility for XXXX XXXX XXXX  not properly closing out my account over XXXX yrs ago or reopening my account and resigning it to someone else. So, I'm on unemployment and when I started my unemployment in XXXX I notice that I wasn't receiving my unemployment in my account. So, I contacted unemployment about it and they informed me that the the XXXX deposits I'm looking for was deposit into my XXXX XXXX XXXX  account and that's when I told them I don't have a XXXX XXXX XXXX account and I haven't had one since XXXX yrs ago. They told me well I have to contact M & T Bank because they took over XXXX XXXX XXXX  to get my money because the account has to still be active because they deposits that where made never bonused back. So, all of a sudden after I had made my first complaint with you guys M & T Bank suddenly was able to find my deposits with the tracer numbers that unemployment provided. 

The reason why I'm filing a second complaint is because M & T Bank has yet to give me my money. They have been giving me the run around. I have provided them with everything I have to prove that this money belongs to me. I gave them the tracer numbers from unemployment, my social, my maiden name that the account would have been under, my old address, and an old account that I had with XXXX XXXX XXXX that I found on my old tax paperwork. I also spoke to every department in unemployment from there consumer department to their advocacy department and even their legal team and all of them said that they don't have a retraction form and that the tracer numbers that they provided me should be more then enough for them to give me my money. They also believe that the account that I had that was supposed to be closed either was never closed and or they reopened it and reassigned it to someone else. I've also came to this conclusion because I've been dealing with the M & T Bank located in XXXX XXXX and the supervisor by the name of XXXX, that I've been dealing with kept asking me over and over again if I had someone on the account with me and I kept telling her no the account only belonged to me but she kept asking me that over and over again in different ways. So, that tells me that they realized something is wrong on their end and I believe they're just stalling me out and hoping I give up. I have spoken to the supervisor at the XXXX XXXX location and I have provided her with unemployment consumer department phone number and their legal team phone number so they can tell them themselves the same thing I've been saying. Which is they don't do retraction forms and that the tracer numbers that I gave them is proof that the money belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. Experian, XXXX, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Product: Debt collection

I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.
Product: Student loan

On XX/XX/2018 an automatically scheduled payment of {$390.00} was deducted from my checking account. However, Navient only applied {$260.00} to my student loan account on XX/XX/2018, the additional {$130.00} was not scheduled to apply to my account until XX/XX/2018. I called and spoke with a supervisor who said she would reset the counters ( again ) and the payment would be applied correctly. The following day I received a notice that I needed to direct an over payment, because this was a Saturday I waited until Monday, XX/XX/XXXX to call. On this day I spoke with a representative who told me I needed to wait a few days. I have now waited and no action has been taken. 

Additionally, upon review of recent payments I discovered a payment of {$530.00} on XX/XX/2018 appears to not be fully applied. The payment history shows a payment of {$530.00} but on the payment allocation it appears only {$340.00} has been applied. What happened to the other {$190.00}? Why was {$190.00} not allocated the way in which I directed? Navient never notified me of a need to specify how to deal with an over payment. In fact, because I have contacted Navient so many times they have set my account to default to never extend my due date. It appears my due date is not being extended but my money is now not being applied to my loans. I contact Navient at least once a month due to misapplication of payments but I believe in XXXX I did not contact them because I thought my payment was applied correctly. 

I now have no confidence that my payments were applied correctly over the life of the loan. I wonder how much Navient has stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and XXXX refuses to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The Credit Reporting agencies specifically TransUnion, XXXX, and XXXX has not required Portfolio Recovery to legally verify debts. This company is allowed to present documents with no signature as proof. They have removed information and then put it back on reports. This is also against the guidelines of the FCRA. How is it possible that EVERYTHING comes back verified. Consumers should know that these companies are paid by subscribers including debt collection agencies. XXXX XXXX has been sued and lost several times relating to fraudulent business practices.