23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Four of us travelling together went to XXXX, XXXX for a cruise. Landed at approximately XXXX on the XX/XX/XXXX, expected to have a cab sent by the hotel, but it did not show. Called the hotel, but there was some delay. A staff member of the airport found me a cab at approximately XXXX and it took me to our hotel, stopping along the way to run my Citibank credit card. The person running the credit card said it did not work, so I gave him another one, XXXX XXXX. That too was 'negative ' so my friend presented his XXXX XXXX card, which also was a no go. I then paid cash, for which I got a receipt, and we proceeded to the hotel. Once in the hotel we went on Wi-Fi and immediately started getting text messages from our respective banks asking about {$5000.00} plus charges on all 3 cards. We responded that we did not authorize the charges. All 3 cards were immediately and appropriately cancelled. Of the three cards, only Citibank went on to first post and then authorize payment on the card. We left the next morning for our 18 day cruise. 
Fraud department said since the 'chip ' was taken by the card reader then it was our responsibility to pay. We protested, and it ended up being moved to a billing dispute. The fraud department refused to look at it again. Billing dispute asked the vendor to respond and they came back saying I had either rented a car or car and driver, and it was accepted by the billing department as gospel, and once again it became my responsibility to pay. Now I can prove that I arrived at XXXX, at the hotel by XXXX, and left in a prearranged hire car to the port the next day. There is no way I would have rented/hired a car for the 24 hour period, and certainly not for $ XXXX. 
I contacted the executive department at Citibank, and have sent them all of the information, and they are supposedly looking into it. However, in the meantime the dispute center once again denied my claim, based in the response by the vendor, so I am not holding out much hope there. I contacted a lawyer who suggested I start here with you. 
Re the attachments : Here are some other attachments that I sent Citibank - # 1 gives the flight times, indicating our arrival time. # 2 was correspondence with the hotel setting up a ride from airport to hotel, unfortunately it did not occur and we ended up taking a cab from the airport. # 3 is transportation from the hotel to the port that we did take. This proves that we were in XXXX for less then 24 hours, and would not have taken a $ XXXX car hire/car service. # 4 proves we took a cruise out of the country. # 5 is a statement from the person travelling with us, who also used his credit card which was also charged $ XXXX - however, his card service was smart enough to not only deny but not turn around and pay the swindler. The last item is the receipt we got from the cab service, for airport to hotel.
Product: Debt collection

Transunion reporting credit agency has allowed unverified debt collecting entities to unlawfully and unverifiably report debts not owed resulting in damage to my credit score. I contacted TransUnion Fraud department on XX/XX/XXXX and spoke to XXXX who verified that I indeed was speaking to the fraud department. I advised XXXX that XXXX XXXXXXXX XXXX  activities were illegal and fraudulent. XXXX did not attempt to resolve the matter immediately as requested. TransUnion is selling personal information and also in agreement with fraudulent practices of fraud. I have had a fraud alert setup to protect me from such practices, that is set to expire, XX/XX/XXXX on my TransUnion account. I have no contact, agreement verbal or otherwise concerning XXXX XXXX XXXX.
Product: Student loan

While my accounts are now with XXXX, consolidated and I am making a single payment, the loans were LOST after a XX/XX/XXXX medical bankruptcy. My issue is with Van Ru. I was screamed at, sworn at, had similar issues with XXXX and Van Ru ... nobody could tell me who had which loan, what was in rehab and what was not, and after rehabbing " all my loans '', they hadn't been, and mysteriously 8 into 9 payments of each rehab, " there was a paperwork error in house and your rehab was never signed off on ''. Each time the loans changed hands, THOUSANDS in collections fees were added to the loans, and capitalized. Since XX/XX/XXXX, I've paid the principal, and over, in interest and collections and rehab fees. I have a very enlightening recording of one call with Van Ru attached here, not objectively the worst call, with Van Ru but it highlights the issues with them and how they parse the truth since the objective is to KEEP you in loan purgatory-between default and rehab, and an article in MONEY described the calls I also received from their hit-man collector ( called me a XXXX and so forth, a waste of space and air, a failure, etc. ) XXXX and XXXX also had those calls. Then, you would get a call from someone else saying, sorry about all the horrible calls, but I am the nice person from here, and I can fix this for you ( and you would have the auto-dial calling stop ). I don't owe all of what I have in repayment. I  also have screenshots showing that XXXX can't even get their ( current ) website info together. I complained, they were really annoyed, and they appear to have fixed it ( now ), but still. Fun stuff. So, I would like to negotiate a percentage of what is owed and be done with this loans. The ombudsman took 6 months to retrace what all had happened and said it was one of the worst cases he had ever seen, a huge headache for him, and verified the loans were lost for years in fact. If nobody could find them when I was trying to repay them, and were like " yep, it's paid '', well XXXX. I want to pay it, but not the interest on when it couldn't even be found. I was paying a collector based on a report on my credit that I owed money without any verification that I actually did owe the money, since nobody had the paperwork! That, I think, is telling about the chain of custody issues described in some of the lawsuits.Total chaos with Van Ru. XXXX and XXXX had people call to say horrible things to you, and at XXXX XXXX  and XXXX XXXX, put me on auto-dialer with a fax for weeks. Awful. The one collector from Van Ru, I specifically mentioned to the Ombudsman, had threatened to burn down my house. This is not an exaggeration, this really went on. People overhead the calls on speakerphone, once my employer picked up and was screamed at.
Product: Vehicle loan or lease

I purchased a XXXX Kia XXXX XX/XX/XXXX. In XXXX of XXXX the vehicle was repossessed for 3 monthly installments in arrears. I paid the balance and regained possession of the vehicle in XXXX of XXXX. Before I regained possession my name was reportedly ( by a Kia Motor Finanace employee ) removed from the vehicle title. My name was never added back to the title once I regained possession. I was made aware in XX/XX/XXXX when I attempted to renew the vehicle license plate tags/registration. At that time a representative of the Florida Department of Motor Vehicles advised that my name was no longer affiliated with the vehicle and had been removed XXXX months prior. I was also advised that I had no ownership interest in the vehicle and that I could not register or renew the license plate tags on the vehicle. 
I operated this vehicle for XXXX months, unbeknownst to me, with an improper license plate as it was no longer affiliated with this vehicle. I have not been able to register the vehicle or drive the vehicle since XX/XX/XXXX. I have contacted the Kia Motors XXXX finance company multiple times to correct this issue. I now have to contact my insurer to advise that the vehicle does not have a valid license plate and I am no longer the registered owner. I have called and sent emails and I am continually routed between the collections and customer service team. I have been told to call back for a supervisor, placed on hold and the call was immediately disconnected, and repeatedly told by representatives that they can not help me. I have also been advised that the problem has been corrected and I go to the Department of Motor Vehicles only to learn that my trip and waiting are in vain because nothing has been corrected. My housing community has warned me about have a vehicle on the premises that does not have a valid registration. Please help me. I can not drive to work, I can not register, sell, or trade the vehicle and Kia is doing nothing to assist me in correcting this issue. If this issue is ever corrected I will now have to pay additional fees to obtain a new license plate and a surchage for being without insurance for some time. Since I have been unable to drive the vehicle for several months I am unable to consistently work 40 hours per week. If/when I pay for other transportation it makes it impossible to pay my care note in full and on time. I am now 60 days in arrears again and the finance company is threatening repossession. I am convinced that this was their intent all along. Kia Finance has breached our contract. I am expected to pay for a vehicle that I can not use and that I do not have any ownership interest in. 
The Florida Department of Motor Vehicles is unable to provide any written documentation to support this claim because I do not have any ownership interest or connection to this vehicle.
Product: Credit reporting or other personal consumer reports

I found an account on my consumer report. I have no knowledge of this account. This is a clear violation of FCRA section 1681c & my consumer rights. I filed an Incident Report my local Law enforcement agency. I've been a victim of identity theft & the account reference is. 

XXXX XXXX XXXX Account # XXXX
Product: Mortgage

The payment servicing site for the company in question ( https : //www.fairwayindependentmc.com ) does not let you set up auto-payment but only lets you do one-time payment every month.

( 1 ) That is a complaint in itself. 
But on XX/XX/30 XXXX I entered the site to create immediate payment. It first let me pick earliest as XXXX. So I scheduled a payment. And then it allowed to create one for XXXX. So I created the needed payment ( XXXX ). But the site does not let you cancel online - So I called the customer service to ask to cancel the later payment. They assured me that it has been canceled ( 2 ) But it was not, and I was deducted twice that month ( XXXX ). That is compliant # 2 against the company whereby the customer service representatives are relaying false information on the phone. I was close to overdrawing my bank account and narrowly escaped those fees. 

Then instead of receiving a statement for XXXX which would show the above statements and if the money went towards principal. Instead I received a " Notice of Sale '' whereby only the new processing company was noted " XXXX XXXX  '' without information on loan principal transferred or loan terms or any relevant information. 
( 3 ) Complaint # 3 and final strike is when I called in to get the XXXX Statement and to ask the principal and where my last payment is. ( Had to call in because the site would not let me see the notices online. There is a link to see the notices but it would not load ever ) The customer agent could only send me XXXX statement and no payment history records for the 2 payments that were made in XXXX. I have proof with my bank that Fairway got both the payments. The agent phone call went on for 30 minutes, with no resolution to the simple question if I could be given document stating the loan amount transferred to XXXX XXXX. And no record of payment history with Fairway could be furnished. In addition, the agent stated that the additional payment has been sent to XXXX  ... without any proof. XXXX  site does not even recognize the loan number provided to me to check. 

I understand the loan transfer / resale .. and have been through many of them. But not providing adequate information is unfair. In addition, not providing easy access to payment and billing information to our own information could be the cause for people falling behind or just missing payments and having to deal with credit impact - when the companies are just not making it easy for us. 

I would be happy to provide any more information regarding this case.
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. 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 an 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor name : XXXX. Date of inquiry : XX/XX/XXXX.
Product: Debt collection

I called XXXX  XXXX XXXX  XXXX and informed them that I was leaving my apartment as of XX/XX/XXXX. They continued to charge me for the apartment for 2 more months. I called to try to resolve this and they told me that there was nothing I could do, so I called my bank and told them this was not a valid charge. I do not owe this debt. This was a mistake made by the power company. My address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. I gave them at least 2 weeks notice before leaving. I'm in my XXXX, and my credit means everything. Please help me to resolve this.
Product: Vehicle loan or lease

This bank ally financial is the worst bank created in the united state all banks and financial institutions work with customers if you were in COVID-19 in this disaster that the country is going through so I have one of my cars that had a balance of XXXX left on it after insurance paid it off and after my XXXX off of courseI got told by their office I dont have to worry about a payment for a while because they made over {$20000.00} on the loan come out to find out that its ready report in 60 days late on my credit and when I called him and asked him what happened they say no it doesnt work like this when I used to be on the vehicle it takes a month to report accurate credit but when I went to 60 days according to them they reported it right away I have about 40 accounts bad on my credit sir maam I had those two vehicles with them I tried everything in the books to work with them they dont give a XXXX XXXX about any human being they are good in mess in XXXX credit they have a bout 250 reviews on yelp that theyre all one star please review yourself and see what people say about them and put in a complaint everywhere I can I buy one with the attorney general public inquiry unit before I got to you guys I lost my 21 year job I applied for unemployment its been two months and I havent heard a word as far as you know the fraud thats going in California they stopped the money that good XXXX earned because somebody else went to the accounts and hacked him and took their money so this situation I really did dont know what to do I try to get as much as money I can and Im trying to go for a bankruptcy after 42 years of my life been living on the street for two years homeless tried to do my best try to do whats right try to be them try to advise him that there is other banks made extensions took payments from the top but Im all the way to the end youre just talking to a wall in honesty XXXX Im a be honest with you sir maam these guys are like them off here remind me of the big fish is the small one and we supposed to be the best country on earth that XXXX made we stick together will help each other and we support each other specially disasters like this but there are certain Bball they dont know XXXX theyre on and theyre standing human beans Im here not only fighting for myself I didnt want this they have in the anybody else after me like I said please read Ally financial reviews on yelp youll see how much being and how much harm they both the American people and we need your help please help please help please help these this bank when you call them they talk to you like in an animal they dont have no human being on them its their way or you take the highway and this is at this moment Im Planning to send a letter to President Biden Im just going to try every option Im Going to try to reach talk to anybody that have authority in XXXX and could help because we are one country were united were best people on earth and we should have XXXX XXXX XXXX XXXX  between us thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently set up automatic payments to be deducted from my kohls charge card. On XX/XX/20 Kohls processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called Kohls got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on Kohls behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.
Product: Mortgage

I called Flagstar today because of everything going on with COVID-19. I am XXXX-XXXX  and had a lot of clients cancel because they lost work which then in turn is causing our business to lose money and revenue. In 2 weeks, we have lost over {$20000.00} in revenue that would have other wise came in If not for the coronavirus. A lot of my friends on XXXX and XXXX were posting about mortage companies offering relief and I wanted to see If Flagstar did the same. They said they did not and I could fill out a loss mitigation package which actually could take weeks to review and then my credit would be affected.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the XXXX & a copy of a completed & submitted FTC iXXXX XXXX XXXXeport. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

I never received a notification of their response to my first claim which made me incapable of responding. My new complaint contains additional illegal debt collection practices1. Nations Recovery Center Explanation of my original complaint was at least 75 % lies. 
2. Reason of complaint closed stated " Consumer can not resolve account and made fales claims. '' Which is incorrect and it is the Agency made false claims3. They stated I confirmed the address on file was an old address of mine when I really said I never lived their4. They made the initial call and started stated personal information before I even confirmed it was my debt and they never verified if they had the correct person when they contacted me5. Release of personal debit collection information without verifying if I was the correct person is s violation of the law as well6. It was the company that called and never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. 
7. I asked for verification of debt and he stated he would not send it. because it is too much work. Since my address on file was not mine, and I never heard of this account does n't mean it is my debt because of the same last XXXX digits of my SS number. 

8. He lied about laws of NY State debt collection and stated to me they will go after me 10-20 years and not correct. NY has a 7 year limit and starts from the first delinquency. 

9. Since he stated he gets money from people that are XXXX from their social security income 70 % of the time after they die is not a true statement or stastatistic10.After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away
Product: Money transfer, virtual currency, or money service

I just started an XXXX XXXX and started receiving letters of fake important documents of things I have to pay for my business. These documents did a good job looking like NY State officials and since this was my first time starting an XXXX XXXX and didn't know I will start receiving scam I feel for it. The reason I noticed it was a scam is because days later I got a similar document with a different company name saying I have to pay for the certain licensing when I already paid it. Therefore I started to look online and found out it was a scam. I called my bank and they wouldn't reimburse me.

One of the documents was labeled NY Certificate Service the date of the money order was XX/XX/year> for {$87.00} Another document was labeled Business posting Department, the date of the money order was XX/XX/year> for {$92.00} The last document was labeled NY Corporate Certificates, the date of this money order was XX/XX/year> for {$87.00} I called TD bank to see if I can get my money back since most banks will give you the money if you were scammed. They said they will not give me the money back due to willingly sending the money to the scam business. Which I understand but the document seemed legit and it wasn't my intent to get scammed. Most banks will still send you the money in a situation like this.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information ( Ref : XXXX XXXX XXXX : XXXX Transunion : XXXX. Unfortunately, despite filing my initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA. 

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters XXXX. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,