23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I obtained financing from Tidewater Financial thru XXXX XXXX car dealer while in the process of filing for bankruptcy. When I obtained the financing I was told that I could refinance the loan in a year. I paid the monthly payments on time only to find out after a year that Tidewater would not refinance this loan and neither would any other lender due to owing more on the car than what it was worth. Had I known that this was going to be the case I would have never signed the loan documents as {$430.00} a month was more than I could afford on a long term basis. When I contacted Tidewater to see if they would modify the note to an affordable payment I was told no and when I asked if they would accept a short payoff they said no, well they said they would accept a short payoff but not release the lien until the entire balance was paid in full which is the same as saying no. I have no problem paying for this vehicle but can not pay {$430.00} a month and feel that I was mislead by being told that I could refinance the vehicle when they knew that they were lending more than what the vehicle was worth at the onset of the loan. I have paid around {$10000.00} on a vehicle that I can only get {$2500.00} for now ( XXXX years later ). XXXX years ago they provided a loan for {$16000.00} at a 25 % interest rate. How can you provide {$16000.00} on a vehicle that is not worth that amount with an interest rate of 25 % knowing that it will be a struggle for the person paying the loan. Predatory lending at its finest. I feel that I have paid them more than what the vehicle is worth and that this loan should be paid in full since I have paid them {$10000.00} and they are stating that I still owe {$14000.00}. There has to be some sort of resolve to this. I had a dealer that was willing to pay me {$5500.00} for the vehicle but because they would not accept the short payoff I had to pass on that offer. Now I am still stuck with a vehicle that is only worth {$2500.00} and they want me to pay {$14000.00} for it. I need help as to what my options are at this point.
Product: Credit card or prepaid card

At XXXX XX/XX/XXXXon XXXX XX/XX/XXXX 2019, I went to an ATM to withdrawal money to pay rent. The machine sounded like it was counting money. The door never opened to receive the money, and then it said transaction canceled. I went into the bank that then informed me I needed to contact card issuer. The ATM ate my money. 

I went directly home. checked my Direct Express account and {$360.00} had been removed - {$360.00} I was trying to get and a {$4.00} fee I am not supposed to be charged because this is the first withdrawal of the calendar month. At exactly XXXX I began trying to call the number on back of the card. 

For the next XXXX hours I tried over and over again. Called the number, then entered information just to be told I needed to call back because they were busy. 67 times I did this before I got through. Then the representative got all my information again, and stated she needed to forward me to an escalated dispute department. I was then promptly disconnected. 

I tried calling again 42 times before they closed and never got a person again. 

Next morning, I began at XX/XX/XXXX on the dot. This time it took 119 tries before getting a live person. They took down my information, and said they would send me a packet to fill out that needed returned within 10 days from the time of the call. Gave me a fax number ( which was wrong and I wrote it down twice ). I still haven't received the packet. 

I mailed my story in detail to the XXXX XXXX office. I will do it again tomorrow. I tried faxing only to find they gave me the wrong fax. 

This time it took me 94 calls to get a live person. I had to give them all of my information again just to get a fax number. Double check. Sent fax. This time it went through. 

I am still waiting for this packet which I will both mail and fax. Along with another detailed letter. 

This would be absolutely laughable if it wasn't so horrific. I have seen this has happened before. Disputes should never take this long or be this complicated. I have to pay rent. It took my entire XXXX payment. It can take up to 45 days to get the money back, and that is if they find I was not at fault. 

Direct Express is a ripoff and steals from the most vulnerable. To switch to another direct deposit, I can't simply call because this is Direct Express. I have to go to an office that is over an hour away. I am completely 100 % home bound.
Product: Student loan

On or about XXXX XXXX XXXX XXXXXXXX had a data breach in which my information was leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car loan already paid XX/XX/2022. Repossion not taken off from all three credit reports. I have sent paperwork in the mail twice. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXXXXXX XXXX  There are two accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXXXXXX XXXX. XXXX XXXX XXXX  XXXX has no paperwork in the computer, XXXX no account in the system.XXXX XXXX XXXXXXXX is seven years old. It has been paid. I want it deleted off reports.
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX. Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 Walmart sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from Walmart/XXXX XX/XX/XXXX stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.
Product: Mortgage

I was in the process of selling my home. The address of the property is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I had never missed a payment. The closing date got delayed XXXX month. In that time a payment became due. I let the mortgage company, Planet Loan Servicing, know I was in the process of selling and the sale was delayed a month and I would not be making the month 's payment. They said that was fine as they don't report to XXXX for XXXX days. They wound up reporting to XXXX that I was delinquent within XXXX weeks. 

The sale of the house went through with the month delay and the loan was paid in full before another payment was due ( as scheduled ). I called the company, XXXX XXXX XXXX, to correct the delinquency. They said that they as a policy do not correct reporting it delinquent even though it was paid in full
Product: Money transfer, virtual currency, or money service

This is linked to a previous case ( XXXX ). 

Citi Bank claims that XXXX declined the recall. But XXXX declined the recall for one of two wire transfers with XXXX ending in XXXX, because it was correctly deposited into my XXXX account. It seems that Citi Bank did not look into recall for the transaction with XXXX ending in XXXX. Both wire transfers are {$25000.00} - and so there could be confusion. 

As stated in the previous case, XXXX claimed that they have never received the XXXX wire transfer and the money resides w/ Citi Bank . 

I request Citi Bank and XXXX to figure this out together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several occasions about a bankruptcy and a collection on my report from XXXX XXXX XXXX. I have sent them proof that I have reached out to XXXX XXXX and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.
Product: Credit reporting or other personal consumer reports

I have attempted to request my free annual copy of the consumer report maintained on me by LexisNexis numerous times and in multiple methods ( online, via mail ). 

Each time I make the request, LexisNexis sends me mailed notices which claims that it is 'unable ' to validate my identity and refuses to provide the report. 

I am the only person in this country with my name and therefore do not see any legitimate reason why LexisNexis is unable to comply with the law by providing me with a copy of the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Proven hippa violation!!! 

Both XXXX and Experian has favored XXXX XXXX XXXX every single time and now i have the proof because they sent to me what they used for validation and it is a direct XXXX violation.! Remove these accounts immediately or I will file suit against you in 48 hours in XXXX XXXX XXXX XXXX XXXX, NC. You failed me so many times i am not happy! 

Delete those XXXX XXXX XXXX accounts immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute about 3 accounts ( paid medical bills ) online with Equifax XX/XX/2018. 2 days later I received a notice that my credit score decreased by 47 points from XXXX as of XX/XX/18 to XXXX XX/XX/18 even thought the accounts total of 4 collections were removed from my credit file. As of XX/XX/18 my Equifax score is XXXX. XXXX & XXXX are both XXXX. Nothing else changed on my credit report to cause the score decrease. There's been nothing but improvements to my credit file. I filed the same dispute with the other two bureau 's, XXXX & XXXX, they removed the accounts and both of my scores increased by 10 points as a result. This same has happened to others as I am seeing complains on a XXXX XXXX form.
Product: Credit reporting

Disputed a debt with Transunion stating that the same debt is being show twice, once by the original creditor and once by the assigned/sold to collection company. XXXX Disputes ( XXXX Bank ) is being reported as delinquent but closed for {$16.00}, XXXX and they sold the debt to XXXX which also has the debt listed on my TU credit file a second time with a different delinquency date and same amount. This is double jeopardy and illegal. Anyone looking at my report sees XXXX bad items ( original debtor reporting and collection agency reporting same debt ). This is unfair practice and illegal manipulation of the system.
Product: Debt collection

XXXX 2021, amount of XXXX to collect is Not accurate on my credit report. 
*I had called the company was told I had a lawsuit on me to pay the debt and that amount is not right! 
* So the rep told me to email for correspondence an I have gotten no reply back
Product: Credit reporting or other personal consumer reports

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX Apartments in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX Apartment incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and XXXX. We submitted written request, which included XXXX certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting to remove the collection balance from our credit reports. Action dates : 1 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and XXXX. 2 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 3 ). Beginning XXXX through XX/XX/, multiple attempts made to XXXX XXXX Apartment to correct the issue they initiated. No response. 4 ). On XX/XX/, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/, the dispute is still active. Additional details available upon request.
Product: Credit card or prepaid card

I made phone calls in XXXX and XXXX and sent a letter in XXXX XXXX because I could not get an answer to my Kohl 's charge card closure. 
XXXX XXXX XXXX, XXXX Capital One Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Kohls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX To Whom it May Concern : My name is XXXX and I am writing about the closure of my Kohls account. I have been trying to get an answer about the closure since XXXX XXXX. I have called Kohls and Capital One and I keep getting sent back and forth between both companies. I have talked to managers at both companies and no one can give me information about the closure. 
My Kohls account number is : The ironic thing about this issue, is that I received a pre-qualified credit card offer in the mail this week. I have to laugh about this because you ( Capital One ) closed my account. How can I get pre-qualified by the same company that closed my account? 
I would like to find out the exact reason for the closure. Please have someone contact me regarding this issue, so that I dont keep getting the run around about information that should be provided to me. 
Enclosed is a picture of the pre-qualified letter I received. 

Thank you for your time,
Product: Credit card or prepaid card

I have account alerts enabled on my credit cards that will send me messages when online purchases are made. On XX/XX/20 at XXXX, I received an email saying my card was used online at a light store for {$850.00}. I immediately called Chase and alerted them that I did not make that charge, which led to them canceling the card and sending a replacement. After their own investigation, they deemed the charge legitimate since the purchase was made with my name and address. 
I was able to contact the merchant where the item was purchased and get the IP address of where the purchase originated. After looking at my router and contacting my ISP, I was able to confirm the IP address has never been associated with my house or devices ; we were on lockdown due to Covid-19 and did not travel anywhere at the time of the fraudulent purchase. 
The merchant also informed me that the delivery of the fraudulently purchased item was to be shipped to my address, but someone was able to call the shipping company and change the shipping address to a residence a few miles away. 
I informed Chase bank repeatedly with these facts and with documents from XXXX and have heard no response. I am still held liable for the fraudulent charge.
Product: Credit reporting or other personal consumer reports

I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXXXXXX XXXX XXXX  from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Product: Payday loan, title loan, or personal loan

I received an email to an address I rarely use from Power Finance saying they were not able to grant me a loan. It included a Notice of Adverse Action that did not contain any of my information. 

I never applied for a loan with them and when I responded to the email they wanted me to call and give them my personal information because they could not pull up any account associated with my email address. 

Of course they can look up the application/account by the email address but they wanted to get more of my personal information. 

I responded again pointing out that it was them who contacted me and it is absurd they can not pull up an account via the email address. 

I received a response from someone there stating the name listed on the application ( yet not the XXXX ) was not mine and since it was not in my name they would refuse to provide any information. 

Clearly they are using the bogus XXXX 's as either a marketing scheme or a phishing scheme to get XXXX from unsuspecting people. 

The email address they sent the bogus XXXX to is XXXX I have attached their " XXXX '' It is very clearly missing information required by XXXX
Product: Credit reporting

Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Common Wealth Finance reported {$200.00} debt in my credit report and I asked them to remove it since I have always been covered with health insurance and never received a bill from anyone related to XXXX  XXXX. I asked them if they had proof of my debt to please send me details, they never did and again reported me.
Product: Student loan

I still have student loans for schools thats has been closed such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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

I previously submitted a claim for this issue with Transunion, after already requesting that the company investigate the problem. I am attaching screenshots of my original complaint. 

Transunion responded with information about inquiries. I am very well informed on how credit inquiries work. 
The inquiry in question was mistakenly added to my report. Transunion made this mistake. I have already confirmed with XXXX XXXX that they DID NOT pull my credit on XXXX XXXX XXXX Despite this, Transunion has refused to remove the inquiry. This inquiry is listed on my Transunion credit report WITH TRANSUNIONS ADDRESS AND PHONE NUMBER ( See screenshot of credit report ). They need to REMOVE this inquiry and stop treating me like I just don't understand how this inquiry ended up on my report. 

Transunion- please ACTUALLY read my complaint and address this. Review the photos. Check your own records. Remove the inquiry.
Product: Money transfer, virtual currency, or money service

At approximately XXXX XXXX XXXX XXXX XXXX XXXX, I signed onto the Western Union owned XXXXXXXX XXXX I arranged to send {$15.00} with a fee of {$3.00} ( total {$18.00} ) to my girlfriend who is XXXX at the present time. She was in need of some personal hygiene products. Her XXXX started and she had no money. Not that this matters, but it creates a natural sense of urgency response. Western Union didn't care and they have absolutely zero obligation to care. There is nothing illegal in not caring about another human being 's issues- maybe a bit immoral or inhuman. What is illegal is offering a service, selling said service, and then not performing said service. That is called theft. I am attaching the charge from my XXXX XXXX. There was no option to receive a receipt, invoice, quote, or any other proof of transaction from Western Union. All I have to provide is a transactional statement with Western Union 's name taking {$18.00} from my XXXX XXXX XXXX Yet they still refused to assist me in getting my funds.