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

my sister who is not strongly literate has been struggling with Toyota Motor corporation She has held on the phone for many hours over a period of 11 months and has been given the run around. she beat the deadline to take part in the Class action suit back in XX/XX/2018. She was told they would honor her contact date of early XX/XX/2018. But did not send her the paperwork until XXXX after she kept calling them inquiring about it. She faxed over the paper work Settlement Eligibility form on three different occasions. She was told back in XX/XX/2018 that her paperwork was received. And later told it wasn't on file. The lawsuit was due to discrimination based on race ( XXXX XXXX  ) giving them high interest rates, charges and fees without determining their true credit worthiness. She has since been treated poorly and continuously discriminated against due to age, race and socio economic standards. She is paying over {$14000.00} for a vehicle that is over 10 years old. They added a warranty and financed it without fully explaining to her the terms. They won't honor her paperwork for the Settlement, either. please help. She has been hung up on, and have been given poor instructions for completing the paperwork .They could discern from her phone calls that she is not very literate.
Product: Credit card or prepaid card

According to emails from XXXX reps, a refund was supposedly issued for purchase made on XX/XX/XXXX, the amount of {$350.00}, has not posted to my XXXX account to date. The last email from XXXX rep, XXXX, on XX/XX/XXXX states refund was issued to prior card ending in XXXX. It is now XX/XX/XXXX and has not posted. Prior to this, I emailed rep in fraud/disputes by the name of XXXX XXXX, she was explained the above and emails from XXXX were forwarded on to her. Never the less, she placed charge back on to account, refused to review emails and or assist with dispute any further. This issued was detailed in prior CFPB complaints, still unresolved, last complaint was marked as duplicate to avoid addressing it and attached screen shots of emails from XXXX reps. I suspect rep replying on behalf of XXXX  aka Continental Finance will also mark this complaint as duplicate, if so, I request CFPB investigate the bank for this behavior. I have attached screen shot of XXXX email showing refund
Product: Credit reporting

This reported item was a duplicated sent printer. I spoke with XXXX rep who told me to decline receipt upon arrival, which I did and carrier took it away immediately. Obviously, XXXX failed to remove this double shipped printer from my credit card. I called to confirm this was removed and was told that it was. This is an erroneous charge and needs to be removed immediately. The credit card from XXXX has since been canceled. Please have this removed immediately as it is affecting my credit rating.
Product: Student loan

On XX/XX/2023 I submitted a payment for all eight ( 8 ) loan groups as part of my account totaling 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 All of the payments have been processed except for loan group AD. This payment is shown on the confirmation email that I received from Nelnet on XX/XX/2023. This amount was deducted from my bank account on XX/XX/2023, but has not been deducted from my student loans which are continuing to accrue interest daily on an incorrect amount. This is the second month in a row Nelnet has made this same mistake. It is impossible to contact the company without spending 2+ hours on the phone on hold. 

I expect immediate resolution from Nelnet, as well as a guarantee that this will not continue to happen on a monthly basis for the duration of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is still incorrect, all XXXX of the date last active is inaccurate, and date last reported is not accurate. This ground for removal of the account from my credit report & a lawsuit against the credit bureau. 
they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation. I submitted the original complaint XX/XX/ for the company to correct to inaccurate reporting and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to Experian, XXXX, and XXXX containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 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 recently did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that Equifax didnt make 100 % correct. In accordance with the Fair Credit Reporting Act, everything reporting must be 100 % accurate on my credit report and under 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am not liable for this debt with XXXX XXXX XXXX XXXX  account # XXXX and demand this debt be deleted.
Product: Checking or savings account

PNC Bank is refusing to let me have access to my Social Security funds. They have, with no notice to me of any kind, XXXX my debit card, and my only avenue of communication is there 'Customer Service ' phone number. Myself and my partner spent over 8 hours on hold over 2 days. The times that they picked up, the call the call was dropped, they hung up on us more than once, and they thing they could tell me was that I need to go the nearest branch, which is in another state, at least XXXX miles away. When I asked to talk to their legal department, inasmuchas they are violating numerous Federal Laws, they refused to give me contact information. I cant pay my over-due rent, utilities or buy food. This has so exacerbated my XXXX that I had cancel a XXXX scheduled for this morning. 

This bank, which i shall rid myself of, has history of maleficence as regards my account. Obviously I need funds dispersed to me, but I njeed to know why are they singling me out?
Product: Debt collection

I have made multiple requests to Midland Credit Management to show proof that this company did purchase a charged-off credit card debt from XXXX XXXX XXXX XXXXXXXX XXXX This company claims that the debt was acquired in XX/XX/XXXX. As the Consumer Financial Protection Bureau ( CFPB ) has fined MCM as much as $ XXXX in the past for fraudulent collections, my case is no different. All that MCM has is an electronic transfer of information, not a legally assigned purchase of a debt. I demand that this collection of {$780.00} be expunged immediately, and that the collection be immediately removed from all XXXX pertinent credit reporting agencies. The $ XXXX settlement from MCM to the CFPB is stated as follows : Encore Capital Group, Midland Funding, Midland Credit Management, and Asset Acceptance Capital Corp . 
On XX/XX/XXXX, the Consumer Financial Protection Bureau ( Bureau ) filed suit in federal district court in the Southern District of California against Encore Capital Group , Inc., and its subsidiaries, Midland Funding, LLC ; Midland Credit Management , Inc. ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} XXXX and annual net income exceeding {$75.00} XXXX. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty. The settlement also requires Encore and its subsidiaries to make various material disclosures to consumers, refrain from the collection of time-barred debt absent certain disclosures to consumers and abide by certain conduct provisions in the XXXX consent order for five more years. 
Accordingly, I demand that MCM as well as XXXX XXXXXXXX XXXX  XXXX. be sanctioned and fined for this fraud against an American consumer. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed with Experian multiple times to correct my accounts showing negatively on my credit report when I have documentation showing that payments have been made through a consolidation program. These inaccuracies have harshly, negatively impacted my credit standing. 
Still till this day corrections have not been made although they have said they reviewed? I have not been provided verifiable documentation stating this? 

Accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all been settled and paid and closed.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file : XX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} ;XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ; XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$170.00}.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also XXXX XXXX. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
Product: Checking or savings account

On XX/XX/2022 ( a Sunday ) I received a call from Wells Fargo collection department demanding that I deposit to cover for an AHC transaction as my Overdraft Protection ended without my knowing about it. I elevated this is upper management only to have to wait for 3 weeks before a got any call back and the bank management stated that I never had Overdraft Protection on my account. I pointed that out on my bank statements to prove that I did have it and had it for the past 10 years. 
I have incurred an extra debit of {$350.00} due to Wells Fargo 's systematic error and have not received any statisfaction from their management to date. I am on XXXX XXXX and can not afford this debit.
Product: Student loan

My loans were recently transferred from XXXX to XXXX. I was having extra money automatically withdrawn from my account to pay extra towards my loans. XXXX let me select a specific higher interest loan to automatically apply the extra payment to. When my loans were transferred to XXXX, XXXX did not automatically withdrawal the extra amount from my account and in fact did not apply any payment toward the principal of the loan I was making extra payments on. The payment that should have been made to the loan I was paying extra toward was split among my other lower interest loans. 

I spoke with customer service with XXXX and they told me that their automatic payment system can not apply an extra amount to a specific loan. One customer service representative even said that they could not predict how my payment would be split among my loans each month. Obviously this comment was very concerning. They informed me that I could go in and make a manual extra payment on a specific loan each month. However, making a manual extra payment on a loan places the loan in paid ahead status. When the loan is in paid ahead status none of my automatic monthly payment would be applied to the principal of the loan in paid ahead status, but rather it would be split among my other loans. To me, this system makes no sense. My intent is to pay extra toward a specific higher interest loan to pay it off faster. I do n't want the portion of my normal automatic monthly payment that was supposed to go to that loan to be split among my other loans. 

I asked to speak with a supervisor at XXXX and he informed me that they could go in and manually adjust my payment each month so that an extra payment would be applied to the loan I specified. Apparently, there is no other way to pay extra toward a specific loan without messing up how my automatic monthly payment is divided among my loans. I asked to receive a written confirmation that they would be making this manual adjustment each month and received an e-mail with said written confirmation. However, this month they withdrew the extra amount from my account as requested, but did not apply the extra payment to the loan I specified. It is not clear whether a manual adjustment was made or not since it is not clear how their system even handles automatic payments. Regardless, my payment was not applied as I requested and as they confirmed in writing. I e-mailed XXXX requesting that they correct the problem, but it has been 6 days and they have not corrected the problem or responded to my e-mail. 

It was a simple matter to automatically pay extra toward a loan with XXXX. I did not ask for my loans to be transferred from XXXX to XXXX. XXXX needs to provide the same level of service. 

Additionally, when my loans were being transferred from XXXX to XXXX, there was a period where my interest rate deductions were not applied. That is, for a few weeks my loans accrued daily interest at a higher rate than they should have. XXXX informed me that I was not the only person with this issue and assured me they would go back and correct the problem, but it appears they have not done so yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX  and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to TransUnion and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on TransUnion 's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called TransUnion because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on TransUnion 's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked TransUnion to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.
Product: Money transfer, virtual currency, or money service

I called a counterfeit XXXX and was told that I was paying my light bill. The call center number and the confirmation number were both fake. I ended up having {$540.00} sent to a counterfeit XXXX  and {$270.00} to an energy company in XXXX. I filed a dispute on XX/XX/XXXX and Chime did not refund the money back to my account after I told them what happened. I concerned that they will not approve of the dispute and will not refund me my money rightfully.
Product: Money transfer, virtual currency, or money service

I made two money remittance with Sigue Corporation, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was for {$990.00} dollars on XX/XX/year> and the other was XXXX XXXX XXXX XXXX  The person receiving the remittance was XXXX XXXX XXXX and when she went to pick up the money, she was told there was no money sent to her name. 
Then I called Sigue customer service and was told I would get my money back in one month. After a month I called Sigue back and was not able to get through, I have been calling ever since then but have not been able to talk to any of their representatives.
Product: Debt collection

In XXXX of XXXX XXXX XXXX XXXX came to my house to install a perimeter drain system in my basement. In the process they damaged my home, did work not in compliance with building code, and never completed the job so when the workers left on the last day they did not get final payment because by the agreement, " payment ( was ) to be made upon completion. '' I sent my complaints to them and they agreed to come back in XX/XX/XXXX to correct the discrepancies and finish the work agreed to. Prior to them returning the President of the US and the Governor of NH declared a state of emergency limiting interstate travel and ceasing all non-essential work. I subsequently called and cancelled the appointment until the situation cleared. 
On XX/XX/XXXX I received a notice from All Debt Solutions , Inc. that they had been hired by XXXX XXXX XXXX to collect a debt. I hired an attorney who sent All debt solutions a letter on XX/XX/XXXX stating that I disputed the debt and requested validation of it. They sent a copy of the proposal which states that " payment to be made upon completion. '' My attorney and All debt emailed back and forth but nothing validating the debt was ever produced and then I got notices of account in collection on my credit reports. Those stayed on my credit reports until another letter from my attorney dated XX/XX/XXXX citing the same statute FDCPA noted in the original letter from All Debt, and stating that the debt has never been validated and demanding that all collection activity cease because the debt is not valid. The owner of XXXX XXXX XXXX admitted that the work was not complete in a XXXX XXXX complaint I filed. 
The negative reports were removed from my credit reports and we are now going after XXXX XXXX XXXX for the work they never finished but this whole thing with All Debt Solutions should never have happened because the debt is invalid. Had All Debt Solutions followed the law, specifically Title 15 USC / chapter 41, subchapter V, paragraph 1692 ( g ) they would have realized this debt was invalid and attempts to collect it would be illegal. Because they did not follow the law they have cost me {$4600.00} so far in unnecessary legal fees along with several months of not being able to use my previously excellent credit rating of over 800 to purchase anything substantial or even to get a credit card.