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

Leased vehicle was in an accident on XX/XX/XXXX. The vehicle was deemed a total loss on XX/XX/XXXX. At this time my insurance company informed Chase Auto Finance of the valuation and sent them a letter with details of the financial compensation for Chase, the vehicle financer. Chase bank has still yet to close the account as of today, XX/XX/XXXX. When I called XX/XX/XXXX for more information they refused to provide any details. I would like to report them for intentionally stalling the process in order to take advantage of myself for additional lease payments/interest collection on a totalled vehicle. When I attempted to reach out to the company for further information in attempt to rectify, the company provided XXXX information. When I called this week, Chase simply stated they had no ability for internal communication within their own department to investigate this further. They stated there was no way to provide me with any further information. This is absolutely ridiculous and, frankly, predatory. It is completely unethical to internationally delay the process in order to take advantage of further interest/lease payments. Any delay related to Chase receiving payment from my insurance company was entirely their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my Experian or XXXX XXXX reports. 

XXXX XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXX XXXX XXXXXXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Product: Debt collection

XXXX XXXX XXXX company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to XXXX XXXX XXXX and LVNV Funding on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.
Product: Debt collection

Starting from the top. I registered for classes at XXXX XXXX XXXX University for the fall of XX/XX/XXXX, tuition and fees came to approx. {$2700.00}. I paid the school and for some administrative/clerical reason I was given a refund check and now owed a balance. I never signed up for a loan. Fast Forward my debt ballooned to approx. {$4000.00} by XX/XX/XXXX. I am giving approx. amounts because the Ohio States Attorney General has placed a hold on my records, and I have not been able to access my original statements from XXXX ( currently waiting to see if my request filed XX/XX/XXXX will be accepted ). Fast forward again to XX/XX/XXXX. After multiple moves including one out of state, I contact Wiener Law and Associates after receiving a notice ( can not remember date ) that my debt was given to them, and now has a balance of over {$7100.00}. I reached out to them to see if we could come to a reasonable settlement amount, and I made the mistake of telling them I needed my records released to continue my education. I was instructed by representative XXXX XXXX ( she has been my contact person throughout this process ) to send an email with an offer to begin negotiations. I sent an email on XX/XX/XXXX offering a {$1000.00} lump sum to settle the matter thinking that starting low would give me some room to work with. After not hearing back I reached out multiple times waiting on a response to continue negotiations, I finally got a response and I was told by XXXX XXXX that the lowest number they could accept was {$5800.00} and she continued to tell me that XXXX told them this is the only amount they would accept and that I had until XX/XX/XXXX to accept or the offer expires. I then made multiple calls to XXXX and the Ohio State attorney general 's office. I was making these calls to circumvent having to deal with this collection agency that has gotten terrible reviews online and is not negotiating in good faith. But I got the run around and basically was told that I had to deal with them. On XX/XX/XXXX after multiple calls to the Ohio State AG office demanding records of my account, I was finally told by staff that no one from Wiener Law contacted them about my account, nor was a {$5800.00} minimum amount given. I called Wiener Law on XX/XX/XXXX in another attempt to continue reasonable negotiations but was told by XXXX XXXX that she will not continue talking with me because I mentioned a lawyer and she hung up so here I am today, contacting you to see if you can assist me. I still have not received my original statements from XXXX nor any information on who was heading my account leading up to it going to the OH AG.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the service members relief act, I had 1 year to get with the department of education to setup payment arrangements for my student loan debt. I was XXXX XXXX until XX/XX/2015. Not to mention this account was established before I ever even finished the program that it was paying for to the credit bureaus as late and is over 11 years old. So it shouldn't be on my report to begin with. I have tried and tried to be get XXXX and Experian to fix this issue to no avail. So I disputed it to Experian, and requested that they reinvestigate but due to language and comprehension barriers, they don't understand exactly what I am trying to get them to do. I have tried disputing with your choice of the three reasons to no avail. Uploaded documentation still nothing. They could pick any of the three and remove but refuse
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to dispute this item ( XXXX XXXX ) and providing supporting documentation such as evidence and police reports the issues have not been resolved. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Below is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( XXXX XXXX  ) has violated my rights. under 15 usc 1681 section 602. it states i have the right to privacy. 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions ( which i did not gave ).
Product: Credit card or prepaid card

Chase First Card allowed XXXX XXXX XXXX XXXX to charge to my credit card an additional {$780.00}, four months after my stay there, without my authorization. The dispute revolves around points used to stay at the hotel that the hotel said was sufficient at checkout but four months later negated that agreement. I have attempted resolution with Chase twice. I never authorized the charge.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit card

Multiple fraudulent transaction were attempted on my credit card on XX/XX/year>. Only one ended up going through from a merchant name XXXX XXXX XXXX from XXXX TX. I called on XX/XX/year> to dispute this fraudulent transaction from my account however bank of america refuses to remove the transaction from my credit card after multiple calls discussing the issue. I was told from representatives from the bank that the dispute was closed in the merchants favor and then they proceeded to close the credit card so that I could not appeal the decision. This transaction was not initiated by me and is a fraudulent transaction that should be refunded to me. After numerous calls to bank of america they finally said they would reopen the fraud claim however I still do not have a result after them giving me the run around for weeks of calling. Please help.
Product: Debt collection

This company AFNI put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called XXXX. The account number is # XXXX with the company AFNI The last dispute letter date was XX/XX/2020 The amount is for {$100.00}
Product: Credit card or prepaid card

I noticed a fraudulent ATM withdrawal on XX/XX/2021, for {$86.00} plus a {$2.00} non-wells fargo transaction fee dated XX/XX/2021. 

I submitted a claim and my claim was denied. I called Wells Fargo and the only thing they could tell me that they did a thorough investigation, but they would not disclose how they investigated. 

I have never been to the address where the ATM is located, so it is not possible that I made this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting XXXX inquiries on my credit report that I do not recognize or authorized. I am victim of identity with a fraud alert on my Transunion credit report.
Product: Student loan

I attended the XXXX XXXX and was recently informed by the Department of Education that my federal loans are being fully XXXX. I called Navient, my loan servicer, to verify that this information is reflected on their end and to confirm that I will not be penalized if I stop making payments on my Federal Loans as I was instructed to do by the federal government. The loan servicer said I WILL be penalized for not making payments since they haven't received further instructions on how to handle the loans on their end. They said I need to upload the email I received and it will take 10 days to review, with no guarantee of resolution on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I am a victim of a fraud, scam, and identity theft. I have been a loyal customer of USAA and XXXX XXXX for almost 30 years. My checking and savings account had several wire transfers of thousands of dollars ( totaling {$500000.00} ). Once the transfer was taken out, the transfer appeared back in my account so I figure all was okay. Despite several, stressful calls to USAA and XXXX XXXX, this issue was not resolved and the wire transfers were/have NOT returned back to my account. Even after they were made aware that I was a victim of identity theft. Someone has use my information to initiate wire transfers and sent my hard earned money to multiple people, and companies I have never heard of. Several other fraudulent transactions, loans, and credit card lines have been made on my accounts. 

List of Wire Transfer Dates : USAA : XXXX XXXX - {$48000.00} XX/XX/XXXX, XXXX {$25000.00} XXXX, XXXX {$75000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$25000.00} XXXX XXXX, XXXX - {$47000.00} XXXX XXXX, XXXX - {$62000.00} XXXX, XXXX - {$10000.00} XXXX, XXXX - {$10000.00} XXXX, XXXX - {$10000.00} XXXX XXXX, XXXX - {$9000.00} XXXX XXXX, XXXX - {$5000.00} XXXX, XXXX - {$8700.00} XXXX XXXX, XXXX - {$10000.00} XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX Savings Account : XX/XX/XXXX, XXXX {$50000.00} XX/XX/XXXX, XXXX {$50000.00} XXXX XXXX {$18000.00} XXXX ( Via XXXX  XXXX ) Transfers = XXXX XXXX, XXXX - {$1100.00}, and {$400.00} XXXX XXXX - {$1500.00} XXXX ( Via XXXX XXXX  ) XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information about an account with XXXX XXXX XXXX. The account was reporting correctly as " INCLUDED IN XXXX XXXX  DISCHARGE ''. 

Now reporting " SERIOUSLY IS DUE with a balance ''. 

This collection accountvwas discharged in my XXXX XXXX  discharge and transition knows it. See enclosed documents proving the changed it.
Product: Bank account or service

Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 XXXXXX/XX/XXXX The following inquiries were not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Checking or savings account

Dont give into scams they might be a real person but instead are trying to get money from you
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It is Also States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S code ; 1681a - Definitions rules of construction- Exclusions Except as provided in paragraph the term ''consumer report '' does not include any report containing solely as to transactions or experiences between the consumer and the person making the report ; 15 USS 1688B : A Creditor may not treat a payment on Credit card Account under an open end consumer credit plan as later for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX.
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX XXXX and purchased 4 tires. I used cima credit. My initial total amount was {$580.00} and with the {$50.00} finance charge cima charges, the total cash price was {$630.00} and change. I was clearly advised that I had 90 days to pay that amount off or I would be pay a substantial amount more. I paid {$400.00} total to date and assumed I had {$230.00} left to pay only to be told by a supervisor that in fact I still owed over {$300.00} due to more fees and taxes. 

This was a deceptive practice because I was tricked into taking this finance option with the understanding I would be paying a certain amount and now I am being told that too bad you signed the contract so you should know better. 

As a finance company, their role is to ensure that merchants that are offering their product are giving correct information and not deceiving customers into paying more than was agreed upon signing of contract. 

It is very frustrating because I spoke with a supervisor named XXXX XXXX XXXX XXXX who basically told me sorry but you have to take it up with merchant and we will not do anything even though we know merchants are giving our customers deceptive information when signing contracts.
Product: Credit reporting or other personal consumer reports

My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted XXXX XXXX and transunion, XXXX and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account XXXX : XXXX