23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XX/XX/XXXX, my husband and I decided to go through XXXX XXXX XXXX, including this account. I had forgotten to cancel my automatic payment in XX/XX/XXXX and called and spoke with the Recovery department, who advised that all future automatic payments would be cancelled, as I requested, and confirmed they are receiving payments from the XXXX company and their proposal has been accepted on my account. In XX/XX/XXXX, my automatic payment still was drafted. I called Customer Service who told me I was responsible to do that online, which I disputed, because the rep I spoke with the month before did not tell me I needed to go online, they told me they submitted the update themselves. The rep attempted to transfer me to an escalation and I stayed on hold 25 minutes - I hung up and called back, the rep then stated she would have a Supervisor call me back, which I never received. The next day, I called in and requested my payment be returned because they would be receiving my payment through XXXX company. I found out two weeks later it was denied because of my obligations to make my minimum payment. My XXXX company made my payment of {$110.00} - so they received two minimum payments. When I called back and re-requested my payment be returned, the rep stated that she thoroughly documented what has happened and I should be receiving my refund of my payment made XX/XX/XXXX to XX/XX/XXXX account, because it is clear that two payments were made by me. One in error by this company. It is the holidays - return the funds to my account immediately. This is their error - I have been given inaccurate information, representatives have shown no urgency and no follow-up to complete requests, and have kept funds for a payment that was no longer authorized. The representative I spoke with from the Recovery department on XX/XX/XXXX assured me no other payments would be taken out and sure enough, the XX/XX/XXXX payment was drafted. Keeping this payment and denying my request is unjust and unfair. I pay you every month - and prior to going into consumer credit counseling, paid you much more than the minimum payment. Please return the {$110.00} from XX/XX/XXXX to my checking account. It might not be a lot of money to you, but it is to us.
Product: Credit card

I made a return to a merchant, XXXX XXXX XXXX. They informed me they issued me a credit of {$250.00} on XX/XX/XXXX back to the original payment method which was a XXXX credit card. 
However, my XXXX card was converted to a XXXX credit card in XX/XX/XXXX by Wells Fargo. A new XXXX card and card number was issued to me with the understanding that the account remained unchanged. 

I called customer service for XXXX and asked what happened to my credit of {$250.00} from XXXX XXXX XXXX  that was issued on XX/XX/XXXX. 
The young man from Customer Service said the credit should have been transferred over to my XXXX account, but he had no record of it. 

Further, he said I would have to give him the exact date my original purchase was made before he could do any kind of search into the matter. I told him it could have been XXXX or XXXX of XXXX, but I did not have my original XXXX statements for the exact date. I told him XXXX XXXX XXXX offered to do a three way call with us to verify the credit given to me and to expedite the matter. He just talked over me to tell me that was not possible and that the only way he could look into the matter was to give him the original charge information. 
Since I do not have that information, I have no way to resolve this and receive my {$250.00} that XXXX Wells Fargo is withholding from me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Good morning. Ive been trying very unsuccessfully to have an issue resolved with Navient about discrepancies on my credit report. These discrepancies have adversely affected my credit score and caused me to be denied because of these errors. Ive called several times and the associate has said they would get pass on the information to a manager for resolution. The issue is that my loan ( even with XXXX XXXX  ) had been in forbearance at various times. However, when I began to work I was able to have payments automatically taken out each month on a combined balance vs. two balances. Even though the payments have been coming out monthly, Navient still has several ( at least 13 or more ) missed payments showing up on my credit report. This should not be because of forbearances and monthly payments. When I could not pay, I kept this balance in forbearance. 

Not only that, these late items seem to have a fee associated with each of them which increases my debt. This must be corrected and I have tried and tried to get this resolved through Navient. I saw the lawsuit and was wondering if this has something to do with it as well. I need Navient to clean up this financial mess they have caused me. Additionally, Ive worked for XXXX  for several years and Navient will not accept me into the program to release debt after so many years of on time payments. I have at least six years or more of continuous payments which I should be able to use. I was denied because of the sort of loan this is under, but that does not seem right especially when payments are being made without fail on a continuous basis. I also want those fees and the added debt incurred monthly backed out of my balance. 

I seems like Navient is trying to keep me indebted to them vs. helping me to eliminate this debt. 

Please respond. 

Thank you, because I really need my credit report cleaned up like yesterday!
Product: Checking or savings account

Region 's support has tricked me out of my money by lying to be during dispute process over a fraudulent charge! 

When I initially called I inflormed I did not have access to a printer and it might be a few weeks before I was by a local branch of theirs to be able to do it in person.They told me that would be alriight and to not rush. Weeks later I received a letter telling me they disaproved my claim because I did not fill out and send the paperwork! They lied to me, and when I called to try and remidy the situation they lied to me again! 

The supervisor told me I could still file the paperwork. A week later I received a ride to a branch. The staff there said what the supervisor on their support number said was untrue, for they could not file it. I was stuck there for almost two hours as she tried to resubmit it. 

Since then every time I have spoken to a staff at Regions about this issue they have not been able to find the dispute, as if the employee at the branch was not successful at resubmitting it! 

They bait a swoicched me! They tricked me into not being able to sumbit their paper in order to cheat me! And they have ignored me since!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. and its criminal executives such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX  without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$5600.00}.
Product: Checking or savings account

Pursuant to the attached letter, as an added insult to injury, even though TD Bank unilaterally and on their own decided to abruptly close our bank accounts in retaliation for our filing customer service complaints with the XXXX XXXX XXXX, CFPB, and XXXX Department of Financial Services ( amongst other agencies ), they also closed our attendant merchant credit card acceptance accounts as well. 

However, they left open the really horrible part - that these " merchant accounts '' are still " open '' for disgruntled past clients from as far back as 6 months to 1 year to file " credit card charge backs '' in the tens of thousands of dollars, and we have no way of either : ( 1 ) knowing about it ; ( 2 ) responding to it ; ( 3 ) finding out about it ; and ( 4 ) presumably would only discover it once the XXXX thieving former clients or the TD Bank itself obtains a default judgment against us and places a lien on our current, new bank account ( s ). 

Please investigate this shady bank, and its equally shady, deceptive, retaliatory business tactics.
Product: Consumer Loan

I have asked Chrysler capital/santander consumer for a copy of my contract lease with them for a copy of the list of fees that I will be charged and the payment history in which they have received from me! Send Chrysler capital refuses to send me any information regarding my payment history and extra fees they have been charging me and a copy of my contract lease with them! Particularly a gentleman named XXXX keeps lying saying that they 've sent the information I 've been waiting for months I have n't gotten XXXX document or anything else can you please help me get a contract copy and my payment history, contract, as well as any list of fees I shall be charged thank you. XXXX stated they can not send my contract certified mail to guarantee I got it he also stated they can not send my contract or Fees or payment history via email. Chrysler capital is withholding information from me so that they can overcharge me with fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off an Identity Theft Affidavit to Experian XX/XX/20. There are fraudulent accounts reporting on my account. Ive sent them numerous of letters and also sent in a police report. They have not ceased reporting or conducted an proper investigation with a signed binding contract from me. They are violating my rights as a consumer! I have attached my FTC complaint which includes those fraudulent accounts appearing. I also filed a XXXX  complaint as well
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I do not recognize this account was opened up because of my identity being stolen it needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my XXXX report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called Early Warning XXXX and XXXX have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.
Product: Credit reporting or other personal consumer reports

Im reporting this account on my credit report with XXXX XXXX XXXX SIMPLE. That is reporting on my consumer report. 
I have disputed this account numerous of times and EXPERIAN. EXPERIAN has refused to remove the INACCURATE information from my credit report. I have valid proof that EXPERIAN has violated my consumer rights. I have attached the proof of the dispute showing INACCURATE from EXPERIAN. If the information has been deemed found to be INACCURATE by LAW, It has to DELETED from consumers report. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I exercise my RIGHTS to have these Items DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNTS in 5 business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to XXXX, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all five accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit XXXX and XXXX has deliberately and continually ignored my demands to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C.  1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -This is not my account.
Product: Debt collection

Mid Atlantic left a threatening voicemail on my cell phone about a debt and how my credit would be ruined due by reporting to a CHEX agency. When I called the first XXXX refused to provide any information but demanded my SSAN. They hung up when I asked who they were and what the claim was. Finally, a XXXX person told me that they would fax the documents but could n't tell me over the phone what the claim was. The fax has not arrived. 

My credit is excellent and I am wondering what this about. These people are using my cell phone without permission. They are rude and overbearing and use legalistic phrases that are not relevant. 

There are tons of complaints about these people online. 

I resent my cell phone being used, being accused of owing a debt, being harassed, and being threatened.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through Ally financial. 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. Ally financial then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
Ally financial called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my credit reports.
Product: Debt collection

XXXX XXXX sent someone to drive by my home, man started taken pictures and asked me if he could come in my house. Told him no he wanted me to call his boss.XXXX  XXXX. I have no idea who these people are, I have never done business with them. I'm a XXXX XXXX yr old man, and my finance is a XXXX vet widow.Want these people stop coming to my home. They call me at least XXXX times per day. I called his boss he immediately a knew all kinds of information about me. Told me he was bill collector after he asked me bunch of questions then said he was going to record phone call, I immediately hung up.
Product: Payday loan

I have more than one issue regarding this company. I changed my account information and the company decided to remove payment from the previous account after I told them not to. The lender charged my account for the wrong amount and on the wrong day. The lender also did not credit a payment they withdrew. The company is insincere and hard to work with. I have spoken with XXXX ext. XXXX, XXXX XXXX, as well as the manager XXXX. I have sent emails to rectify the debt and they have not returned any. They continue to withdraw money.
Product: Credit reporting or other personal consumer reports

inaccuracies regarding the last and further payment dates reporting as of XX/XX/year> & XXXXXXXX XXXXThis account is negatively impacting my ability to secure credit.
Product: Credit card or prepaid card

This is in repsonse to XXXX about WELLS FARGO CARD SERVICES. 
: XX/XX/2018 Card needs to be approved based on the credit report that was pulled from this account. 

Wells Fargo never asked me for my residence status. This card was denied due to " non-resident status '' How could they possibly know my residence status if they never asked? 

Please see MITZIE PEREZ, et al., Plaintiffs, v. WELLS FARGO BANK, N.A., Defendant. 
Case No. 17-cv-00454-MMC