23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card account was included on Schedule F of a discharged chapter XXXX bankruptcy in XX/XX/XXXX and there is no balance owed. Also, this account closed in XX/XX/XXXX. I have opened a complaint with XXXX  and have disputed this account twice. ( XX/XX/XXXX and XX/XX/XXXX ) The creditor is aware of the bankruptcy and updated the information in XXXX however, every other year the come back and update my file as if the account closed within the past 30 days, claim Im 120 days past due, and state that I owe XXXX. XXXX  refuses to remove it although Ive furnished documentation. They say the company says its accurate.
Product: Consumer Loan

XXXX XXXX sold me a vehicle that ended up not passing emissions. I also found out, after my purchase, from a 3rd party mechanic that the dealership should have never passed the car for safety, as there was obvious damage to the front suspension. The DMV made me give the car back because it was not able to be registered.
Product: Consumer Loan

on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership
Product: Credit reporting or other personal consumer reports

My account sold due to me being in the hospital after a XXXX. It became a charge off with XXXX Credit Card back on XX/XX/year>. XXXX would not speak to me as they closed account. 
Jefferson Capital System has been calling and sending letter added all kinds of charges on card that are not accurate amounts I owe them XXXX XXXX are inaccurate amount and dates. 

The dates do not match the amount does not match. I asked the 3rd party to confirm with a valid debt contract for the amount which is in accurate. I asked them to show me a valid debt contract and proof they have the legal right to collect on this debt and the letter I signed. 

XXXX has not provided the information I have requested. They have been harassing with phone calls and letters within accurate information they have not validated.
Product: Debt collection

I dispute a account on my credit report and I got a letter saying XXXX XXXX in XXXX NY was my mother and my mother lives in XXXX with me. I don't know this person and I have no relationship or relatives that live in NY
Product: Consumer Loan

I 'm not sure if this needs to be a complaint or just an answered question. Anyway, my wife and I went to a car dealership on XXXX/XXXX/15. My wife gave them an application for a car, was told it was approved, and she signed the paperwork and we left in the car ... .I was not part of any of the paperwork, application, nor did I give any of my information. 5 days later, I noticed I had XXXX credit inquiries where that dealer send my info for credit to XXXX different banks. I immediately called them, and they denied doing so. In fact, the sales manager put me on speaker phone and XXXX managers denied that it was even possible, said it must have been someone else, and copped an attitude about the whole issue. I called Wells Fargo, since they are the bank that the dealer said my wife was approved at, and they also denied running my credit. I to.d them that they ca n't deny the inquiry, when 's it 's clearly on my report, and was told again that it was not them. I told them I would get an attorney, so she immediately transferred me to the office of Wells Fargo president. After spending 2 hours on the phone with their office, it was determined that in fact the dealer did use my social security number, but my wife 's information. Wells Fargo called the dealer and instructed them to fix it. I called the dealer back, and he said that they pulled my data accidentally from 2 years ago, but did not use my name. They said it should have flagged that the name, DOB, and jobs did not match the file. They said they were n't sure what to do, but would fix it. Today, after XXXX calls, and XXXX email, the XXXX finally called me back and said that Wells Fargo just switched everything to my wife 's social security and all is good now, no need for new paperwork, or anything else. I told him I wanted a letter that I can provide to XXXX and the XXXX banks, and he said he would. He was still very short with me, never apologized, and acted like it was no big deal. Can something be done for them doing this? I now have XXXX Inquries, and a mess I have to clean up. It just do n't seem fair to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report on XX/XX/XXXX from XXXX XXXX. I noticed that my loan with capital one was showing seven missed payments from XX/XX/XXXX- XX/XX/XXXX. I did not miss any payments during these times. Capital one Auto Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date
Product: Debt collection

Leafy Financial reported a {$6000.00} open collection account on my credit report without notifying me with a letter of dispute. I called them for a validation of debt of the original contract agreement with signatures, and a detailed ledger of how I owe {$6000.00} but refused to discuss or send information. I never dealt with this company. I will like for this to be removed from my credit report due to not following protocol before putting on my credit. I have 2 other companies to notify me about the same debt but different dollar amounts. Where and Who did this debt come from?
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against EXPERIAN for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency cause
d by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by EXPERIAN. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by EXPERIAN about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require EXPERIAN to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My entire monthly payment of {$1200.00} was applied to interest only. Nothing was applied to the principal. My loan servicer is MOHELA and this practice, to my knowledge is illegal. 

My account has not been placed in administrative forbearance. I submitted an official complaint through their process as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to the Equifax credit reporting agency on XX/XX/XXXX asking them to verify the 17 negative accounts that appear on my credit report. I included another notarized page with clear photocopies of my drivers license and social security card. As of XX/XX/XXXX I have received nothing from Equifax in response to my letter. I should also note that I have received reponses from the other two major credit reporting agencies within the 30 day time limit. 

I am including with this complaint a copy of the dispute letter that I sent to Equifax and a copy of the Ceritified Mail Receipt. Equifax received the letter on XX/XX/XXXX.
Product: Student loan

Key bank ( at XXXX from the XXXX ) continues to call daily, on multiple occasions, attempting to collect on a student loan despite multiple cease and desist notices have been issued ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX XX/XX/XXXX, at XXXX XXXX ) and has repeatedly called after deferment ( for continuing XXXX education ) has been filed through my federal loans servicer, XXXX XXXX. I believe this constitutes harassment on Key Banks part.
Product: Credit card

On   XXXX   XXXX   XXXX    , my wife made a credit card payment to   Citibank via phone for {$100.00}.
This payment was processed and then on the same date, Citibank made an unauthorized payment process for {$2900.00} to pay the balance on the card. We did not authorize this payment. The bank then charged our account for an overdaft. My wife contacted Citibank and their response was sorry nothi  ng they can do.
Product: Debt collection

I keep receiving repeated calls from a company named portfoliorecov ( which is what comes up on the caller ID. ) This company never leaves voicemails.
Product: Debt collection

I had subscribed to XXXX in XX/XX/XXXX while switching over 2 lines and because the reception was poor, I had cancelled the plans in XX/XX/XXXX, within the 20 day window. I had received the XXXX return label and had shipped it out in time. Had expected the lines to be cancelled and my auto-payment stopped, but that never happened until I realized it on XX/XX/XXXX and called the customer service and was assured that the amount be refunded, which it was - but only partially. 
then in XXXX, I received a notice of payment for an amount of {$230.00} with a last date of payment on the invoice of XX/XX/XXXX. I received the latter on XXXX XXXX and made the payment on XX/XX/XXXX. 

However, the account has now gone into collections for no reason whatsoever, and charging me an addition {$59.00}, which was not in the invoice I received in XX/XX/XXXX.
Product: Debt collection

I called XXXX and XXXX XXXX at ( XXXX ) XXXX, a collection agency that is working on behalf of MoneyKey to let them know that the debt they are attempting to collect has been discharged in a XXXX XXXX Bankruptcy. I also told the company that they never showed up for the meeting of the creditors and had 30 days to respond to the court before the bankruptcy was discharged. The collection agency still reported the debt after that conversation, even after I gave them my attorney information. I am unable to apply for housing because of this matter and may not be able to apply before the house is off the market.
Product: Prepaid card

Netspend sent me an unsolicited prepaid debit card. Advising that everyone is guaranteed approval and advising of immediate access to the funds deposited to the card. I 'm a XXXX and my school refund was deposited to the card. I tried to activate the card and was advised that they needed to verify my identity by providing my ssn, address, dl #, dob and phone # which i gave. They adv. That i did not pass verification due to the address even though i gave the address where the card was sent. They Then requested a copy of my dl, ssn, a bill, which i sent.and had to wait 6 business hours for review i also sent my health and human svcs award letter and they advised that i still did not pass. I then sent my passport and waiting another 6 hours for review. They finally activate the card 2 days later at XXXX. And accepted the deposit and posted it to the account. However at XXXX the following morning They blocked the account and then closed the acct.stating they could not verify my identity. They advised that a check would be sent to me for the balance on the account and that i would have it in 3-5 business days. I contacted them on the 5th business day because i had still not received and they advised a check had been sent and that i would receive within 10 bus days not 5. I contacted them on the 10th bus days in which they again guaranteed the check had been mailed and that i would receive it the following day. I called the next day when i still had not received the check and they had me on hold for an hour when they finally transferred me to a supervisor in the fraud dept who advised no check was ever, sent and that the money would need to go back to. the school. She went on to say that the school ( XXXX college ) would need to send them a letter of indemnity both by email and postal mail and then they would send a check for the remaining balance, which is now being lowered by various fees applied after the account was closed, to the school and then the school would then have to send to me and i would need to contact my school. I contacted the school and advised of all of this and they advised that was incorrect and that netspend would need to use a check to me for the balance. And that netspend was illegally holding my money and for me to file a police report. Per the initial email from netspend prior to the card being activated netspend notified me of the pending deposit from my school and advised that if they could not verify my identify and activate the card within 24 hours that the deposit would be sent back to the school. Which at least If that had happened i would have gotten the payment from the school 2weeks ago and at least had the money to pay for my books. Instead they accepted the deposit activated the card sent me an email confirming they had verified my identity and charged me the account maintenance fee and other fees only to block the account the next morning and hold on to my money while depleting it with various fees even though the account is supposed to be closed
Product: Credit card

I set up automated payment plan with XXXX XXXX ; however, they failed to deduct moneys from my checking account and assessed me a late fee and my minimum payment went up to {$95.00}. When I contacted their customer service department on XXXX/XXXX/2016 ; representative XXXX confirmed that I had auto-payment in place ; however, it would not take effect until XXXX/XXXX/2016 due date payment. I set up auto-payment in XXXX. XXXX stated he could not reduce my minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX  XXXX XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/23 from XXXX XXXX dealership, and was unsure who I needed to pay. I called The dealership to ask what's the name of finance company so I can let them know that I was experiencing financial hardship, due to an eviction that occured on XX/XX/23 which left me without access to my mailbox and my car registration got lost or stolen. I was told by multiple people that they didn't have me in their system and it doesn't show I purchased a car from them, I checked my informed delivery everyday looking for something from XXXX or the lender that would at least give me an idea about who the lender was. I currently live in a hotel and they came on XXXX and repossessed my vehicle. At that time I didn't know if it was stolen or repossessed. I finally found the lender on the contract by the signature page but it didn't have a name, phone number, account # or address. I called Americredit on XXXX to explain the situation and was not given an opportunity to speak, the representative was very nasty, and refused to work with me, he advised me that I have until XX/XX/23 to pay {$1500.00} for XXXX and XXXX, which includes repo and late fees, I ask him if he could put payments on back end of loan so I would have a fresh start and can recover from my hardship I experienced with eviction, he said no and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : see attachments for proof XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number : XXXX Date Generated : XX/XX/2021 2021
Product: Debt collection

On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX JCP ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me On XX/XX/XXXX XXXX XXXX responded and stated they report accurate information pertaining to my account and are unable to modify my account. 

as a result the debt that has not been validated and was updated on my credit repot on XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I met scammer at XXXX XXXX XXXX, the person asked me to pay XXXX XXXX  transections, one was {$4600.00} ( XXXX ) and another {$4600.00} ( XXXX ). I had contacted my XXXX  XXXX XXXX account fraud/dispute dept on XX/XX/year>, but they answered the due to Venmo is not part of ACH, XXXX  cant dispute these 2 transections that I made transferred money from XXXX  to Venmo. 
So, I contacted Venmo on XX/XX/year>, although the clerk helped to file complained, but today I received emails that those to claimed were deneied. This became very challenging since I already informed Venmo that this is a scam case, I dont think as a victim I couldnt cancelled these 2 transections. Also, XXXX told me I will have to file my own law case for these 2 deals since they couldnt dispute from bank end. I dont think generally people will go for law sue case for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax was hacked mid 2017 and did not properly secure confidential information for over 143 million Americans.
2. Management found out the issue and dumped stock prior to disclosing the hack. 

3. A poorly created website was set up to " help '' people who could be affected by this hack. However, as this website it not connected to their servers it is easy copied and turned into phishing sites which will compromise even more people. The website also attempts to squeeze out of arbitration through " implied consent '' through use of the provided XXXX XXXX coverage.
Product: Consumer Loan

my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased
Product: Debt collection

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with Bank of America, a collection account from XXXX XXXX ( original creditor is XXXX and a medical collection from XXXX ( original creditor is XXXX XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Trade Commission Act.