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

On XX/XX/XXXX I went to the Auto Dealership, ( XXXX XXXX, XXXX XXXX, NV XXXX ) to roll my lease into a purchase. I met with the salesperson who I used to purchase the lease in XX/XX/XXXX to talk about what options I would have to buy the car. He told me he would have to submit the information for approval since I am retired and on a fixed income. Later on that afternoon he called me back and said that I got approved @ a 9 % interest rate. Later on I XXXX " Interest rates on used cars '' and the current standard industry is around 4.5 %. The next day ( today ) XX/XX/XXXX I went back into the dealership to see if I could negotiate a more reasonable interest rate since I felt like they were gouging me. At one point during our conversation with the counter person who handles the loans the sales person looked at him as we were discussing the loan and said ... Isn't the rate@ 9.5 %? Yesterday it was 9 % and today it is 9.5 %? We continued on for a while and the counter person said ... It isn't us it is the main XXXX XXXX XXXX company that is setting the interest rate. A few minutes later we were still haggling and he said ... '' What do you want a point off ''? After that I started thinking if it was XXXX XXXX XXXX and not the Local Dealership were I was at making the decision on the interest rate ... Why would he be making that statement? He also mentioned that if I had a job he could get me a lower interest rate? Isn't that discrimination in lending? Why should I be treated any different than anyone else? I have been in this lease almost 3 years and have never missed a payment. Also the counter person kept mentioning that it was them ( XXXX XXXX XXXX ) not us setting the interest rate. I also have a credit score of over XXXX. So I just found this on XXXX ... 

Auto Loan Interest Rates | XXXX XXXX, a division of XXXX XXXX ... 
XXXX XXXX XXXXXXXX XXXX XXXX, Term, Interest Rate, APR**. 740 & Above, 0 to 48 Months 0 % Down Payment, 4.00 %, 4.00 %. 740 & Above, 49 to 60 Months 0 % Down Payment, 4.25 %, 4.25 %. 740 & Above, 61 to 72 Months 0 % Down Payment, 4.50 %, 4.50 %. 700-739, 0 to 60 Months 0 % Down Payment, 5.50 %, 5.50 %. 650-699, 0 to ...

According to the above I should get a 4 % loan w/a 750 or above credit score and my fixed income should not reflect the outcome of the interest rate XXXX XXXX wants to charge me. Also note the new car financing in the area is@ 0.9 % and 1.9 %. Hope you can help me with this as it saddens me that a reputable Corporation would want to gouge their customers just because they think that their behavior is appropriate. Anyway, thanks for your time and help.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I initiated a sell of XXXX BCH to USD. The equivalent USD amount of {$540.00} was to be deposited to my linked bank account. 

The XXXX XXXX account that was linked to my Coinbase account had become inactive at that time, so the result was that I had inadvertently had the {$540.00} ACH transfer sent to an inactive account.

Though the Coinbase website states the transfer was fulfilled and complete, it was not. I received a call from my prior bank informing me that an ACH transfer had been attempted on my inactive account but was denied. 

Neither the XXXX BCH nor the {$540.00} amount were refunded to my Coinbase account. Multiple attempts have been made to reach Customer Service with no response.

In summary, Coinbase is currently holding funds that should be refunded to my account but will not respond to attempts to reach Customer Service to rectify this issue.

The Coinbase reference code for this transaction is XXXX.
Product: Credit card or prepaid card

I am currently facing one of the biggest fights of my life. I am under a lot of XXXX XXXX XXXX XXXX I am sometimes left exhausted and with other side effects. I have managed to maintain all of my capital one cards in good standing. However due to a hiccup I had on one account, I mistakenly selected the wrong bank for a payment of {$25.00} that was returned, Capital One closed all my accounts like the cold blooded lenders they are. I would like these account to be reinstated since they were closed in error and for them to consider that perhaps some of us are fighting a battle everyday bigger than a return check fee could ever be worth.
Product: Debt collection

I just learned today that the debt collection agency NCB Management Services on behalf of XXXX XXXX XXXX telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXXXXXX for months on end. I have not, personally, paid on the XXXX XXXX XXXX account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by NCB Management Services to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that NCB Management Services should return to my wife the recent {$50.00} payment that they procured by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA 15 U.S. Code 1681XXXX ( XXXX ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX XXXX Bank 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 on XXXX XXXX Bank on XXXX XXXX XXXX XXXX on XXXX TransUnion LLC - on the behalf of - XXXX XXXX XXXX on XXXX -The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -The XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681 BA ( 2 ) - permissible purposes of consumer report. 

These codes i provided above explains how they violated my rights and i wish to have these removed. Because of these inaccuracies i have been in XXXX doing these times in need. These Laws have been broken and i want justice.
Product: Credit card

On XX/XX/XXXX I purchased five roundtrip tickets from XXXX to XXXX departing XX/XX/XXXX and returning XX/XX/XXXX using my Southwest Rapid Rewards by Chase credit card. Each roundtrip ticket was {$430.00} for a total cost of {$2100.00}. The purchase was processed a five separate transactions. 

On XX/XX/XXXX logged into the Southwest app to check the status of my trip, a big expense taking the whole family to Utah for XXXX XXXX. I immediately noticed an error message along the lines of " there's a problem with your reservation. '' I immediately called Southwest customer service and after nearly an hour on the phone, they determined that I had a reservation BUT the tickets had not been paid for. The agents stated that they'd never seen this issue before. They recommended that I cancel the original reservation and repurchase the tickets, which they offered at the same price as the original reservation. They also told informed me that I had to contact Chase to file a dispute for the original transactions. 

I filed a dispute with Chase bank the same day, XX/XX/XXXX. The issued five separate disputes ( one for each ticket ). Disputes for 2 of the tickets are listed as " Closed '' however disputes for three of the tickets are still listed as Open. 

I called the dispute department at Chase today. They stated they are still investigating the three disputes. When I asked why they Closed two of them and not the other three, the agent told me " we took care of those two but we still need two billing cycles to resolve the others. '' I then asked if they could provide temporary credit for the 3 open disputes, the agent told me that was not possible. 

Meantime, I have a HUGE credit card bill due on XX/XX/XXXX AND I'm not in a financial position to float chase {$1200.00} ( XXXX tickets x {$430.00} ). 

This is two big companies who can afford to credit me the money while they sort out their mess.
Product: Debt collection

HSBC/XXXX line of Credit for $ XXXX- {$760.00} was closed XX/XX/XXXX and also listed under my XX/XX/XXXX Chapter XXXX Bankruptcy. However, HSBC/XXXX issued a late payment in my XXXX credit report on XXXX/XXXX/XXXX when in fact the account should be removed from my report as the account was closed XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX personally sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response from anyone yet. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. I don't understand why i am being treated and ignored of my disputes. I learned that failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I received a debit card and statement showing I had opened 2 accounts with PNC Bank. I did not open any accounts with PNC. I called customer service for the bank immediately and had the accounts closed on XX/XX/21. I was told on the phone that I would receive a call from their fraud investigation dept but have yet to speak to anyone. Today, I received a Virtual Wallet Spend Statement in the mail, there was no balance or any transactions shown on the statement. I called customer service again and was told I would need to go to a local PNC Bank branch to verify whether or not the accounts were closed. I would like further information as to how this account was opened and some clear resolution from PNC Bank as I have heard nothing and no one has reached out to me about fraud. To be told that I have to spend my valuable time finding and going to a bank branch just to verify that these fraudulent accounts have really been closed is ridiculous.
Product: Debt collection

I have disputed this debt as the dates that they claim this was incurred, I was out of the country. My accounts and credit report were part of the XXXX/XXXX   data breech and as a result I have had to resolve these issues on my report. However, this company has been particularly abusive and bullying in their tactics. They sent one letter on XX/XX/XXXX and then tried to serve papers on me inXX/XX/XXXX- for a debt that I am not responsible for nor, have ever heard of this company before. I have filed reports with 2 credit reporting agencies, so by law they need to stop harassing me, however, they have not. I am still trying to access XXXX  to dispute the reporting with them, however, due to the data breach, and misinformation on my accounts, I can not even access those records.
Product: Student loan

Nelnet moved my account out of unemployment forbearance in mid-XXXX without a notice to me. No letter, no email, no call. I reapplied for the forbearance via postal mail. 

XXXX rolls around. Nelnet sent me no letter, no email, no calls. 

XX/XX/XXXX - Nelnet finally contacts me and tells me Im 1 month behind. They want {$350.00} or thereabouts. 

Nelnet, by failing to communicate in any way, deceptively led me to believe I had the forbearance issued by the CARES ACT. Apparently they say my loans starts with a D, which means sorry I dont get that. No letter, call or email about that either. 

I filled out a forbearance form today XX/XX/2020 in response to the first communication I received from them since well before XXXX. No notice or an end to a forbearance, no bill, no calculated payments, nothing. 

I requested an administrative forbearance, as well as a renewal of my unemployment forbearance. I have no job, I eat XXXX  once a day if Im lucky, sometimes half a can of tuna. I dont qualify for food aid because Im a male, and there are no jobs. 

I am at the end of my rope.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

When I tried to login to XXXX to check the status of a credit card chargeback dispute response for our Merchant ID : XXXX that we submitted last week, the login prompt, in addition to requesting my normal password, also started asking me questions and data that I never even entered in to begin with when I registered/signed up with XXXX. 

Questions like " what was your childhood nickname '' do not even exist because I never even had a childhood nickname. 

Now I am concerned about too many attempts to login because I do not want to be locked out of my account. 

Now I have called their customer service number and after having been verified time after time, I have been transferred now 3 times, the last time sending me a " black hole ' where no has answered the phone for what, 30 minutes, and with no music, or anything, just periodic weird spooky " clicks. '' Finally, after transferring/keeping me on hold for what 30 minutes they just hung up on me. 

In addition, whenever I email their customer support email at XXXX '' I get a weird email from " XXXX '' telling me that " This is an automatically generated email, please do not reply ... Case Reference ID : XXXX ... Account Name : Merchant Internal Support Account Placeholder ... Chain : MID : Case Category : Online Case Type : Portal Support Requester Name : XXXX XXXX XXXX, XXXX ... Dear Merchant, Thank you for contacting Customer Care. The case you are responding to has been closed and is no longer being monitored... We appreciate your business... Thank you! Customer Care. '' Please urgently investigate and advise.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a late payment on my credit card account, as I believe this information is inaccurate and constitutes a violation of 15 U.S.C. 1666b, which governs billing errors related to payment due dates. My payment was submitted on or before the due date indicated on my billing statement.

I request a thorough review of my account and payment history to verify the accuracy of the late payment reporting. If it is determined that the payment was made on time, I ask that the late payment remarks be updated or removed from my credit report and that any associated fees or penalties be eliminated from my account.
Product: Debt collection

XXXX XXXX, XXXX Hello Attorney General 's Office, Inspector General, Federal Trade Commission, Consumer the Minnesota Department of Commerce, Consumer Financial Protection Bureau, and XXXX XXXX XXXX : This is a formal complaint against National Account Services, XXXX XXXX XXXX XXXX, XXXX XXXX Minnesota XXXX -- -- for breaching our verbal contract with XXXX XXXX XXXX XXXX, and me. My case was referred to them on XXXX XXXX, XXXX. After being unemployed since XX/XX/XXXX The breach is supported by FDCPA and the Consumer Credit Protection Act of XX/XX/XXXX. There are also violations of Minnesota XXXX XXXX. There are many reasons why my bill was sent to collections one of the being that XXXX XXXX and I could not agree on a set amount to pay every month. Originally she wanted XXXX a month while I was unemployed, and I did not get unemployment. There was no income. Now I am working but also paying back bills from XX/XX/XXXX which has contributed to my economic hardship. 

My daughter 's experience as a child XXXX at that dance center was less than desirable and she was pulled from dancing XX/XX/XXXX. I refrained from making payments since XX/XX/XXXX because of the treatment she received and also because of the added cost for competition fees when XXXX was not attending. 

I had a verbal agreement with National Account Services to what I could each pay period after I started working XX/XX/XXXX after not being employed since XX/XX/XXXX. The collection balance was sent back to her on XXXX XXXX at her request. The effects of my collection account being taken back by the dance studio and being threatened for conciliation court by the owner XXXX XXXX of I do not pay according to her terms, is also another violation brought by National Account Services. I really on have XXXX a month to pay in addition to paying for competition fees when my daughter did not attend. This is causing harm, undue hardship with malice for me and my daughter. Therefore National Account Services has violated the FDCPA by causing undue financial harm or personal harm to me and my daughter, as well as violating an agreement verbally with their office. 

Now that the case has been taken back by Stage Left and the owner, XXXX XXXX, I can not have reduced payments that fits my budget as of XXXX to XXXX a month, but will have to pay XXXX a month, my food and grocery money, and have been threatened with conciliation court if I do not agree to her terms. I am waiting for XXXX XXXX to send me her revised contract. I would like to get this resolved. 

XXXX CC : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Product: Credit reporting or other personal consumer reports

I Filed A Dispute With Experian About A Fraud Account That Was Opend Up In My Name And Nothing Was Rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank offered me a Covid deferral on my account and stated that all payments and interest would be deferred without any negative credit reporting or fees. I was in deferral for two three month periods, XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. In late XX/XX/XXXX, I discovered that Wells Fargo reported four of those six months as 30 days late. After two attempts to have them correct my report, still no corrections have been made even though it is clearly documented in their system that we were in deferral. All fees and interest were credited back to the account but they still have not corrected the credit report!!