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

To start Chrysler Capital is one of the worst companies I have ever had to deal with. My lease is up XX/XX/XXXX and it is showing my account was closed out XX/XX/XXXX and I have a charge off on my account. How can my account be closed when I am still making payments? I have talked with multiple people at Chrysler Capital including the executive office and they all say that I have made every payment on time and that I was never reported. Somehow it shows up on my credit report and now no bank will offer me a new car lease with this falsely reported incident. This needs to be rectified.
Product: Student loan

My student loan has been transferred from XXXX to Firstmark Services ( web-site below ) http : //firstmarkservices.com/ Firstmark is telling me I am not able to make payments via wire transfer from XXXX bank, via online using Debit/Credit card or paypal because I am based outside of US ( currently live in XXXX ). They also tell me I am not able to make payment via phone because my due date on the loan is so far into the future. They can accept payments via phone only if amount is due this month. However, none of this was specified in the original loan documents as my loan can be pre-paid at any moment. Previously I was making my payments via paypal to XXXX before XXXX transferred the loan. 
They also told me they are not accepting payments online and wire transfers on purpose, thereby making it more difficult for me to be able to repay my loan. This situation is surreal, one would think that if I want to make payments, they should be able to take my money.
Product: Debt collection

Two issues : First, I have received a letter from Sunrise Credit Services , Inc. regarding a balance due to XXXX. I called this agency to tell them XXXX should not be charging me anything due to their own errors, and the representative - XXXX XXXX - hung up on me. 
Second, XXXX is a very bad product because their representatives can not access information and provide assistance without keeping you on hold for long periods of time. In our case, we were moving and XXXX could not provide us with the same service we had at our previous location so we were changing providers upon our arrival at our new home. XXXX disconnected our service prematurely, and when I found out, they established a totally new account in order to reconnect us. I called several times with information and requests for assistance regarding our account and the errors that had occurred, but the attempts were always futile. If we owe XXXX anything, which I do not believe we do, they should write it off because their company and their representatives could not fix the problems they created themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXXXXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Checking or savings account

Chase has taken money from my Checking account and blocked access with nothing in writing.
Product: Vehicle loan or lease

In XXXX of XXXX, I co borrowed for a XXXX financed by Credit Acceptance Corp. Payments remained in good standing until XXXX of XXXX when the other borrower left home with the vehicle and never came back. Since then, every payment has been at least 30 days late. I do not have access to this vehicle. I do not insure it. I am not on the registration. I have tried countless times and multiple phone calls to resolve this. I have begged for them to repossess the vehicle since it is currently over 90 days past due, with no attempt to make payment since XX/XX/XXXX. Ive asked to surrender it. Ive asked to remove my name in anyway. I can afford this vehicle but they wont even help me get possession back of it. It has ruined my credit. I dont understand why they wont just take the vehicle or even just give it to me and Ill deal with it. The person who has it doesnt have a job anymore and hasnt since the first late payment. He has missed more payments even on the payment arrangement than made. Its hurting me more to let him continue to mess up every month then it would to just take it from him and ding me for the next 7 years. I am a good hard working person trying to do the right thing but they are catering to a XXXX XXXX  grown man with no job. He doesnt even insure the vehicle, his mom and dad do. Please take my name off of this. If I had possession I would either sell, refinance, surrender, or pay it. But I shouldnt have to suffer because this car company doesnt want to do anything about it.
Product: Debt collection

I got a phone call from this place and told them I would make a payment on the XXXX of XXXX. The lady who called me said that " I BETTER ANSWER MY PHONE WHEN SHE CALLS BACK FOR PAYMENT ''. I found this very threatening and made me feel uncomfortable. 
This phone call was on XXXX/XXXX/XXXX.
Product: Checking or savings account

I have requested, now, XXXX need-to-contact letters from the fraud department. The letters are mysteriously not arriving in the mail. I can prove this using XXXX informed delivery service. The third one is apparently still in the mail system but I won't hold my breath. Citi is malicious and inept. They refuse to unfreeze my account due to a suspicious transaction ; me attempting to get money out of my account by writing a check from my old name to my new name on XX/XX/year>. I have since proven that my new name is indeed me, yet they refuse to unfreeze the account. The entire system is XXXX and citi bank is profiting off freezing {$25000.00} in a checking account that earns XXXX interest, preventing me from transferring it to my savings account which earns 4.35 % interest. Citi should be punished for how they have treated me. I have proven through activating my debit card that I received in the mail that I live at my address. I have proven I know the PIN when calling the fraud department. I have provided my account numbers, my social security number, my driver license number, verified my full name, verified my credit and debit card numbers. I have proven to Citi I have access to my phone number. I have proven to Citi I have access to the Citibank app on my phone. Citi has frozen my account and made it impossible for me to pay rent for both XXXX and XXXX. They are a malicious company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful.

15 USC 1681 a 2 ( A ) i
Product: Credit card or prepaid card

Tried to purchase gas at XXXX on XX/XX/2022. Swiped my card twice and it said see cashier so I used a different card and never successfully bought gas with this card. I was charged {$100.00} twice for the two times I swiped my card. XXXX customer care looked up my transaction and has no hold on my card its the serve card holding my money. I have called them everyday this week and have been told different answers. When I called at the time the charges happened on the XXXX I was told they could not help until the transaction was complete. I call back a few days later and they said it could take up to 7 days. I called back today now they say 8 days. I asked to talk to a supervisor and waited for half an hour. A person picked up and said escalation call back and hung up. I have made all but certain that it is the card issuer holding funds on my account and wont release them. And the varying answers about when my money will be off hold makes me think its a scam. They also keep saying its XXXX holding the money but XXXX clears transactions after 48 hours. Serve took {$200.00} for gas and I would like it back.
Product: Credit card or prepaid card

Capital One has a long standing company policy of ignoring the bylaws of the Fair Credit Act. On XX/XX/2020 I called to dispute a {$530.00} charge from XXXX which was a duplicate billing by this firm backed up by an email I recieved from XXXX acknowledging a credit should had been processed. Once I got my statement from Capital One I saw the credit had not been issued by XXXX  so I called Capital One to dispute the charge. After getting their Customer Service Department to agree it was a worthy dispute they transferred me to their Dispute Department at Capital One. The Dispute person argued with me for over 20 minutes about not wanting to issue the Dispute. This is a long standing approach I have found Capital One 's dispute department does on a regular basis, ignoring the Fair Credit Act. If they don't want to issue the required Dispute on a person 's credit card they simply hang up on the consumer. I want to complain that I have seen this approach by Capital One concerning consumer 's that wish to file a credit card charge dispute possibly costing consumers millions of dollars in " bad credit card charges '' that Capital One does not allow one to dispute.
Product: Credit reporting

Items are being removed from my credit report but it is not impacting my score in a positive way. I just had a big thing as a collection item from XXXX removed and transunion decreased my score by XXXX????? XXXX increased the number as it should be. 
There is disparity with their numbers and XXXX by XXXX points and they have the same number of accounts. I try to dispute and their customer service is rude and never listens. When I report to you, i did once before i feel like they take adverse action on my account.This has been going on since I reported them to you. All they have done is decrease my numbers no matter what is removed. 
I need them to just do the right thing and not be mad. its not personal to them it is to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Transunion of a disputed account, which they removed only to put it back on my report a month later, I have never had a credit card with XXXX XXXX XXXX  with a credit limit of XXXX dollars, my limit was {$500.00}, I also have no knowledge of the purchases made on the card to reach XXXX dollars or when they increased my credit limit to XXXX, I have sent certified letter trying to get a detailed printout of what was purchased and have not received a response, I would like a detailed printout so I can, make a police report so I can get this issue resolved and I am demanding the removal of this derogatory account until they can provide me proof that this debt belongs to me.
Product: Checking or savings account

I was a Victim of Fraud my Account, Husband and Son of {$130000.00} was Wiped out now i have no money my Chase Bank will not refund my money I gave them police report they went to XXXX XXXX all over Florida also gave Chase Bank pictures of the Men who toke my Money and my Bank thinks it my Fault happen on XXXX XXXX went to Chase Bank on XX/XX/XXXX filling.a report with them first they told me and my Husband On XX/XX/XXXX part of the money will take XXXX Hours the other will take XXXX  days and the other part XXXX hours I have been calling the Claims department and nobody calls me back
Product: Debt collection

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Product: Credit reporting or other personal consumer reports

Complaint Against Harley-Davidson Financial Services for Inaccurate Credit Reporting and Potential Retaliatory Actions I am writing to formally lodge a complaint against Harley-Davidson Financial Services ( HDFS ) concerning the inaccurate reporting of 12 missed payments on my credit report and potential retaliatory actions following a prior complaint I filed regarding excessive interest charges. 

Details of the Complaint : Inaccurate Credit Reporting : HDFS has reported 12 missed payments on my account Account Number : XXXX, which is incorrect. I have consistently made all payments on time, as evidenced by the attached payment history. 
Potential Retaliatory Actions : Subsequent to filing a complaint about excessive interest charges three months ago, HDFS reported these alleged missed payments. This sequence of events suggests possible retaliation for exercising my consumer rights. 

Supporting Documentation : Payment history records demonstrating timely payments. 
Credit report highlighting the erroneous entries. 
Correspondence with HDFS regarding the prior complaint about interest charges. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, upon receiving notice of a dispute from a consumer, furnishers are required to conduct an investigation and, if the information is found to be inaccurate, promptly notify each consumer reporting agency to which the information was furnished and provide any necessary corrections ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ).

Requested Resolution : 1. Immediate correction of the inaccurate information on my credit report.

2. A thorough investigation into HDFSs reporting practices and potential retaliatory actions.

3. Assurance that such inaccuracies and potential retaliatory actions do not recur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX  ''. Fraudulent, was not me.
Product: Vehicle loan or lease

Du3 to COVID in XXXX I make a payment on my car Chrysler to avoid repo or charge off..agent told me that they will apply extension but I need to make 1 full payment and I did when I receive my unemployment check but either way Santander consumer usa charge off my account and they sold my account to this other company and they called with a bad behavior asking for an amount of money that at thia time don't have and they not able to assist customers due to COVID..they keep threatening with Repo and ths keeps me very stress every day aa need veg to attend the Dr but they don't want to help with options..very stressful in the middle of this pandemic they hurt my credit and they don't want to help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors has violated my rights. Under 15 USC 1681 Sections 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a payment on a credit card account under an open and consumer plan late for any purpose.
Product: Debt collection

I received a call from my step mother saying that a gentleman called here stating legal action would be taken if I did n't contact their office. Once I called he was telling me that I could get sued for a {$200.00} debt and legal action for a returned check. XX/XX/XXXX i got a small online payday loan and then the next day I received a XXXX one that I never asked for. The company would n't take the money back and repeatedly charged my account fee 's my bank recommend closing that account which I did I tried to dispute through the bank but I was n't able to. I was finally able to pay the bank XX/XX/XXXX for all the fee 's they charged somewhere around {$140.00} and that 's just what was overdrawn. It has been almost 7 years and this is the first time I have heard from them.
Product: Debt collection

i had send a mail asking for a validation report of this debt and none was given attach is proof of letter that was send and no response
Product: Payday loan, title loan, or personal loan

On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.
Product: Debt collection

Hello, for the past year or so I have been getting letters attempting to collect a debt from XXXX from the resurgent companies of debt collection including, LVNV Funding and Resurgent and now XXXX and XXXX the XXXX law firm. I have disputed all these attempts and sent verification requests which have either been ignored or once they sent an alleged copy of a monthly statement and have repeatedly ignored my requests for actual verification of debt and their legal ability to collect it, including an original contract, a purchase agreement for the debt from the original creditor, and more against the fair debt collection act. It seems that after I request verification they just transfer it to another company within their network to avoid the verification request or send not up to power verification. 

This is my last attempt to stop this harassment before seeking legal remedy for violations of the fair debt collection act. 

I would appreciate your help to stop this illegal collection techniques and efforts. 

It says the original file number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. They are consistently changing my loan from open to closed and will not remove from my credit I struggled with homelessness during Covid and then moved to Florida to get hurricane Ian they have been reporting my account as open for years negatively impacting my credit
Product: Debt collection

Franklins Collections SVCS Inc, Reported a debt of {$2400.00} to all of the major credit reporting agencies with the citing original creditor name XXXX XXXX XXXX. 

The original creditor was paid in full, XXXX XXXX XXXX has confirmed via phone to me that the account balance is true {$0.00}. 


I phoned Franklins Collections SVCS I told both reps that the original creditor was paid and full, they asked me for proof which I don't have, Besides calling directly to XXXX XXXX XXXX and they will tell me that account # XXXX is at XXXX balance. 

I asked them for a debt validation from both Franklins Collections SVCS Inc I spoke to and they hung on me both times for asking. 

The right to request verification of the debt is provided by the federal Fair Debt Collection Practices Act ( FDCPA ) and doesn't state that I need to show proof of the debt being paid to receive a debt validation.
Product: Debt collection

Account and amount owed isnt mine and doesn't belong reporting on my credit
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company : CAPITAL MANAGEMENT SERVICES L.P. aka XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County, NY XXXX XXXX / XXXX / XXXX Fax : XXXX https : //www.cms-collect.com/ ... is calling family members multiple times in attempt to collect a debt not owed to them from the receiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

acima credit fka XXXX, account number : XXXX XXXX XXXX XXXX XXXX, XXXX, UTAH XXXX this company have allowed someone to open an account in my name under identity theft circumstances i have fought this company for over two years trying to have this remove from the the three major credit bureaus, after sending each major bureau notarized copies of police reports showing i was a victim of identity theft, only XXXX, and XXXX, removed Acima credit fka XXXX  from my report
Product: Debt collection

Dear Sir, Last 20 years I'm suffering a lot of problem from Debt collectors ( Midland Credit ) and Credit Bureaus. I have used only One name ( first middle last ) in my hole life but every few years some debt collector and credit Bureaus Add some different name ( someone else which I don't know ), address, phone number to my Credit Reports. Last 15/20 years whenever Credit Bureaus adds Someone's name in my credit report, my credit scores go down and my credit card APR go High. sometimes 29.99 %. when APR is 29.99 % every month my 6/7 credit cards charge me almost {$500.00} every month, sometimes more then {$500.00} every month. I'm a low Income person and If I'm paying {$500.00} Interest every month, how I will get out from my credit cards? Today XX/XX/XXXX XXXX in my credit report have four different names include my name and seven different phone number which is not mine. Last 2/3 years I'm having a lot of financial problem and I'm in Pandemic Unemployment since XX/XX/XXXX till now. I do have four people in my family and I know that, Million Million peoples are Struggling in this pandemic. So, please help me to have only my name in my credit report. Thank you