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

On XX/XX/2018 my car was totaled. I made a claim through my insurance company and they paid the ACV for the vehicle. After my insurance paid their part I still had a balance which GAP covered some of the remaining balance. I have my auto loan through Santander Consumer. I was told through GAP that they only could pay XXXX on the balance. The total balance was XXXX which Im left with a XXXX balance. Ive contacted Santander several times to ask how they came up with that amount, but they keep giving me the run around. Also they want me to pay XXXX a month on a car I dont have. I also tried to negotiate with them to see if they can lower my payments, because with this balance still owed I cant get financed for another vehicle. I know I may owe them some money but I feel that I dont owe them that much. Now I am stuck without a vehicle, and I cant get financed for another one because they wont work out a plan with me. I dont know what to do in this situation Im just upset because Santander already received 33 payments from me at XXXX a month. They received XXXX from Gap, and XXXX from my Insurance company. So totaled they have got over 30k for a vehicle thats only worth about 12k. So please help me in this situation or give me some input of what I can do. Thanks
Product: Credit card or prepaid card

on XX/XX/13, I opened a statement for a Wells Fargo active cash visa signature card. The balance is XXXX, which all of the transaction made during the month of XXXX. 

That same day, XX/XX/13, I reported the fraud to Wells Fargo. I also reported the fraud to all three of the credit bureaus. 

One of the agents on the phone indicated to also make a report on FTC.gov. On that website, it directed me to CFPB.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to transfer {$870.00} from my American Express credit card to their XXXX XXXX XXXX so that I could pay our landscaper through XXXX. I kept getting error messages that the transaction from my credit card to the XXXX XXXX XXXXXXXX would not go through. Finally on the XXXX try it said it went through and my XXXX XXXX XXXXXXXX account showed {$870.00} available. I went into my XXXX account and paid our landscaper and the balance on the XXXX XXXX XXXX account was now at {$0.00}. On XX/XX/XXXX, I logged into my American Express account to pay off the {$870.00} and it showed that I had a balance of {$1700.00} due in my card. It showed that while trying to make the original transfer there were XXXX transactions of {$870.00} and that XXXX of them were reversed and that XXXX of them went to my XXXX XXXX XXXX however my balance of the {$870.00} from the second transaction was never available. I contacted American Express on the same day and explained the situation. I spoke to several individuals before finally speaking to someone that asked for screen shots of my account to be sent to them so they could figure out where the XXXX {$870.00} went to. I send the email along with attachments. 
The next month when my payment due for the other balance of {$870.00} ( I paid off the first one that I agree was owed on XX/XX/XXXX ), I called back into American Express. Im was told that they were still looking into the issue and to make the payment due to avoid having a missed payment that could show on my credit report. I asked them if I would get back the money that I would pay on it when it finally got straightened out and was told that I would if they could show that the debt was incorrect. I continued to make payments on the debt while calling in as my credit score was over XXXX and I did not want to jeopardize it. I kept getting told the same thing, it involves a XXXX party vendor and we are working on it. Finally in XX/XX/XXXX after no resolution from American Express and almost a year and a half of paying on a debt that I do not owe, I did stop making payments. I spoke to someone in XX/XX/XXXX that finally put me in touch with someone in the dispute department. I was told that they had no record of me ever disputing the original charge. I offered to forward the email from then if needed to show that I did contact them. I called back in later and was told the dispute was closed, but I received nothing in writing and was still told that it showed I have a balance. I still could not receive an answer on where the money went. They went on to open a second dispute in XX/XX/XXXX and I still have not received a finding in that one but have been told that my account has been sent to collections. This seems to be a technical issue that American Express refuses to clear up. They can not show where the second transaction of {$870.00} was ever available in my XXXX XXXX XXXXXXXX but they continue to try to collect on it.
Product: Credit reporting or other personal consumer reports

These inquiries under my credit report were not initiated by me.
Product: Checking or savings account

Back in XXXX I had contacted navy federal in regards to overdraft fees that I wasnt happy with. It took many days but eventually they gave me back one or two but never wanted to register all the times they did this to me prior to. I had to get new cards and a new account.
Product: Checking or savings account

My broker deposited a {$5700.00} paycheck, on XX/XX/XXXX, from a closing we successfully completed to my Citizens checking account. Citizen 's Bank put the funds on hold an additional couple of days. I called to question this and they mentioned the funds would be released on XX/XX/XXXX. On XX/XX/XXXX the funds were still on hold. I called again and they mentioned my funds would be held an additional 15 days. They mentioned they reached out to XXXX XXXX on XX/XX/XXXX to be sure they had access to the funds. They mentioned XXXX XXXX  had not confirmed with them yet so it had to be held an additional 15 days and there was nothing they could do about the release. The rep also asked me if I had someone at XXXX XXXX  to assist. I said yes but I had to get back to them. We ended the call. I reached out to my broker who provided me with her branch managers name and number to reach out to. I called Citizen 's bank again and spoke with another rep who confirmed that the funds were on hold but this time he mentioned only an additional XXXX or 7 days. I told him I had the branch managers name at XXXX XXXX  and he said he could not do anything with this info. Was not happy that I was given contradicting information and also now being told the funds would be available sooner. Which one is it and what is the " real cause of this ''? They could not respond. The funds have cleared my brokers bank account so it clearly did not bounce. There is no way that it takes this long to reach out to a major bank such as TD.
Product: Credit reporting or other personal consumer reports

I am writing to report Experian for continuing to allow false reporting of information from companies that are operating under : - Fraud ( 18 U.S.C. 1341 ) - Coercion ( 18 U.S.C. 875 ) - Unlawful conversion ( CCC 956, CCC sec 9314, CCC 1717, 1788 ) - Involuntary servitude ( 18 U.S.C. 1584 ) - Unjust enrichment ( CCC 2223, 3543 ) There have been several requests for removal of accounts found to be fraudulent, the last request being mailed and accepted via certified mail ( XX/XX/year> ) which has still not resulted in permanent removal of accounts, but a verification process yet again. Experian has failed to properly ( within 15 days ) remove the information reported by these companies, allowing false and damaging information to continue to be included in the credit report which has caused significant financial harm and distress. 

Furthermore, Experian 's involvement with these companies seems to constitute a form of organized crime and credit sabotage, forcing financial hardships and peonage. Notably, because a written affidavit advising of rescinded contracts ( for fraud, breach of contract, and misrepresentation ) was mailed AND accepted by Experian on XX/XX/year>, by XXXX XXXX via certified mail. By continuing to facilitate false reporting after notification via affidavit, Experian is complicit in the exploitation, sabotage, and manipulation of consumers.
Product: Prepaid card

To : NetSpend Debit card, I submitted for a student Loan back XXXX of XXXX and I was approved for Loan. The same year XXXX of XXXX I was admitted into the hospital till XXXX of XXXX. During that time NetSpend customer service said my account is being closed, Not knowing my student XXXX would arrive to the same account XXXX XXXX XXXX XXXX, I cancelled my Direct Deposit due to my account was closed, and when my student loan came to the same account you'll ( customer service ), began telling me the account is restricted. I said for what, they see you need to prove verification. I submitted a valid Driver 's License, My Student I.d with my picture, XXXX NetSpend debit card with my name, my Insurance card, One piece of mail with my old address XXXX XXXX XXXX XXXX, MI. XXXX I no longer live there since being evicted in XXXX because I was admitted into the hospital and come XXXX you will not give me my funds even after passing your security Questions and submitted, my verification with also XXXX Bank XXXX with my Driver 's License, student ID, NetSpend debit card XXXX pieces of mail. Please, correct this matter and I suffered Great collateral damage medically, financially and mentally. Please correct this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases. 
The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.
Product: Mortgage

In XX/XX/XXXX Ruoff Mortgage company denied my conventional loan which forced me to get an FHA loan. The reasoning they gave me for denying the conventional loan was a Sheriff sale on a previous home in my name. This is false. I have made many requests to obtain the information used to deny my loan from Ruoff Mortgage Co. so I can persue corrective action. Ruoff Mortgage Co. Refuses to send me any information they used to deny my loan. The FHA mortgage cost me a considerable amount of extra costs and monthly fees. 
I closed on the FHA loan on Friday XX/XX/XXXX. On Monday XX/XX/XXXX I attempted to make the first years interest payment to Ruoff Mortgage Co over the phone and they refused to accept the payment stating that " it will make it impossible to sell your loan if the buyer sees that you want to make large payments. ''
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains all of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).   XXXX   and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent account on my credit report XXXX XXXX XXXX they keep ignoring me and will not remove it they are violating my rights please help. 
attached is a copy of the fraudulent account. it needs to be deleted asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these transactions nor do i have any knowledge of these inquires XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX, Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Student loan

Nelnet increased my interest rate to 6 % ( from 3.25 % ) without my authorization because I am an XXXX who is on XXXX. I want my 3.25 % interest rate back!
Product: Debt collection

I received an email from XXXX XXXX in XX/XX/year>, congratulating me on paying off my collection account with receivables Management Systems. When I reviewed my XXXX report it showed a collection account for XXXX XXXX for {$610.00}. I disputed it and XXXX stated it was valid. I have received 2 correspondence from them XXXX and XX/XX/year>. I have spoken with them on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

I was told on each call that the last four of the social was correct but the date of birth did not match. Which they stated it would have to be elevated to the dispute department and someone would call me back. I never received a callback. The last call I made to them I was informed they could not speak to me because they could not verify me due to the different birth date. I informed them this account was a result of identity theft and I filed a police report. They would not transfer me to a manager. 

I have never received any correspondence from this collection agency until after I filed a dispute with XXXX and they are making it impossible to resolve because they can not validate me with my date of birth.
Product: Mortgage

I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. 

My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text about fraud in my debit card. I then received a phone to verify the text. The phone call felt a little different, but I looked up the number online, and it showed it was coming from my bank, so I proceeded. ( Bank of America ) Bank of America said they'd look into but likely there is nothing they can do. I truly believe that Bank of America can do a better job of communicating and putting in protection, so this doesn't happen.
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

I want to inform the 3 Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 Balance : {$42000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Bankruptcy Reference XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I recently sold my old, wheelchair accessible van online. I received payment by a buyer along with the shipping fee for a total of {$65000.00}. I was instructed to wire to the shipping company. The check was sent to me in the mail for {$65000.00}. Navy federal credit union said it would take 48 hours for the check to clear, after which the funds would be available to me. After the 48 hour period Navy federal credit union cleared my check. I then used those funds to wire {$22000.00} to the shipping company to ship the vehicle as per the buyers request. I used the rest to pay off some debt and the vehicle loan for my new handicap accessible van. The very next day my account reflected a {$65000.00} deficit. I complained to Navy Federal via  telephone. Apparently it was a scam. I was rudely dismissed by the phone representative and her supervisor and told that the 48 hour waiting period is really more like five days. I went into my local branch and talked to the manager who was more sympathetic ; but yet the manager still reiterated the fact that yes, indeed, I was told by the bank teller that processed the deposit of the check that the check would take 48 hours to clear before the funds would be available when in fact the period for a check to clear is more like five days. I told the manager that this wouldve been invaluable information at the time the funds were released to my account. I most certainly wouldve waited the additional 72 hours. And I left without a good answer as to why I was told I could access my funds after 48 hours, if in fact the waiting period is more like five days. Now Im stuck with the bill. Its hard to imagine Navy Fedrals motto is serving those who served. Not so much! 

Sincerely, XXXX. XXXX XXXX, XXXX, XXXX. 
XXXX Veteran
Product: Debt collection

Transworld systems inc has a debt against me from last summer. I was never once notified of this debt for the last year I had to find out when looking at my credit report. When I called to ask why they never contacted me they said they did, I asked for days and times they tried to contact me and what information they had. The information was correct however I never once got a call, email, or mail about the debt owed. Not one single time and I have proof. They told me what days they called me I went back in my call log and nothing was there. I asked when they sent me any mail and they couldnt answer that question I asked when they sent me an email and they had not even though they had the correct email. I would have resolved the debt a year ago if I knew about it but since I did not know it sat in my credit report for a year and messed up my credit score.
Product: Debt collection

XX/XX/20 -I received a phone call from CBE GROUP , stating that I owed a balance of XXXX ( XXXX XXXX ). After information was provided, on a recorded line, I told the representative ( XXXX  ) to  cease and desist all forms of communication with me. The representative then became upset and asked why I was requesting a cease and desist action. Today ( XX/XX/20 ) I received a letter from the same company stating the same information, after I told the representative to no longer contact me ( cease and desist ). The debt in question has already been discharged.
Product: Credit reporting or other personal consumer reports

Old addresses that continue to reappear no longer reside at XXXX XXXX XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXX, XXXX XXXX, and haven't resided for the past 12 and 13 years
Product: Debt collection

I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a XXXX for 12 years, and did the XXXX for my department. XXXX. If I am paying this large amount of money, I would like to see monthly statements.