23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is an additional complaint in relation to case number  XXXX , regarding account number  XXXX  with Special Financing Company , LLC. I received the statement for  XXXX   XXXX  this morning via email as per my request from customer service yesterday. Upon my review of the billing statement I discovered some discrepancies in regard to the account. The APR listed on the statement is 18.99 %. The APR on the Sales Order that I signed on  XXXX   XXXX ,  XXXX  states that the  XXXX  on the loan is 17.99 %. I have uploaded a copy of the executed  Sales Order  that states this agreed upon  APR. Also, the billing statement shows that there are 25 pa yments due until the account is paid in full. As of  XXXX   XXXX ,  XXXX , there have bee n 13 p ayments deducted from my bank account and credited to the balance of the loan. The offer that I received from  XXXX   XXXX  from  XXXX   XXXX   XXXX , was an offer of a 36 month ( 3 year  XXXX  loan. That is the offer than I reviewed, gave consideration to and accepted. I do not have a copy of this offer, however  XXXX   XXXX   XXXX  should have a record of it. I have uploaded co pies of 13 payments that have been withdrawn from my bank account. If there are 25 payments still remaining and I have paid 13,  this is a 38 month loan. Also, customer service has informed me via telephone that this is a 3 year loan. My last concerns are that I was charged {$990.00} just to " start '' the account, and no funds from this fee were applied to my account balance. Additionally, there is a {$1000.00} added to the balance of the loan that is not part of the funds dispersed nor interest. I question if this practice violates consumer right 's laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I attempted to stop a XXXX payment to a scam artist. BOA is telling me that they do not know where my money ended up. They have no traceable records that indicate when the money goes once it leaves my account. This makes no sense! 
I sent 3 payments to this scammer and the bank just needs to share the destination bank with me and the FBI can find this scammer. 

The total amount is {$2100.00} The bank has this information and need to share it with me immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to resolve this with experian credit bureau for over 30 days they are not updating my report I have spoken to them 4 times each time Iam told something different that dont amount to anything or results.MY problem is I have 3 open up to date credit cards in my name alone all 3 are being reported accurally to XXXX and XXXX with no problem. These cards are over 2 years old to this date experian is not reporting any of them I have contacted my credit card company directly all 3 told me they are and have been reporting to experian last 2 years and the problem is with experian I have sent them copies of my credit cards that they are not reporting and they still will not add them to my credit report.Every time I apply for credit a hard copy is pulled from experian and I am denied because they are not showing any credit history I told them this they wont do any thing about this They keep saying they will summit the dispute but nothing is happening I summited the first dispute the end of XXXX Today I received a dispute letter saying the dispute was resolved they did not resolve any thing they even got my middle name spelled wrong now. As stated above I have sent copies of these cards along with an explanation to experian XXXX. XXXX XXXX XXXX TX XXXX. Still nothing no response or any thing from them I am asking you to please cont act experian and find out whats there problem because I am not getting any were with these people. They are damaging my credit and they dont care thank you very much
Product: Debt collection

Plain green loans broken fair debt collection practices. And trick me into this loan with unjustifiable interests. They keep sending different amount to transunion credit when I check my credit report falsely accusing me of owing then XXXX and then XXXX this pay day lender slash loan sharks. XXXX. But now sold debt to XXXX, KS XXXX XXXX XXXX XXXX National credit adjusters XXXX XXXX XXXX and to mention this trying to collect a debt through a email. And never have they validate this debt.
Product: Debt collection

On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " Nelson, Cruz & Associates '' for an outstanding balance unpaid to " XXXX XXXX XXXX ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from Nelson, Cruz and Associates. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by XXXX and then mentioned it was somehow related to a XXXX through XXXX XXXX. He also refused to give me any contact information for XXXX. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted XXXX immediately and they had no record of my social, account or name. The XXXX rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the XXXX account number was not referenced in the collection. XXXX recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for Nelson, Cruz and associates and it appears I am not the first they have attempted to scam. I am attaching the scam letter from Nelson, Cruz & Associates to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
Product: Credit reporting or other personal consumer reports

I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.
Product: Debt collection

I am not responsible for charges on this account. I was charged after disconnection date and another address is listed on my account that I did not reside at
Product: Credit reporting or other personal consumer reports

My consumer report is showing that i owe {$6000.00} to rent recovery solutions For a service I did not receive nor did I commit to any sort of contract. 
I sent in identity theft reports, cease and desist letter, dispute letters signed and notarized, I spoke to an representative about this account prior and several inaccuracies was confirmed, The impact that this account has on my consumer report is very effective to my livelihood and children 's as well, When I contacted rent recovery solutions today XX/XX/2023 a young lady told me that they can't help me and refused to extend the helping hand to come with a resolution
Product: Credit card

I had a Home Depot credit through Citi bank. I had XXXX $ and one day I woke up they charged me over XXXX XXXXnterest on XXXX. I have stopped paying on them. They have been lowering my credit line at castoo credit line every time I pay more
Product: Credit reporting or other personal consumer reports

Re : Missing On-Time Payments for XXXX  Account Number : XXXX Dear TransUnion Consumer Solutions , I am writing to formally dispute the incomplete payment history reported for my XXXX  account ( Account Number : XXXX ) on my credit report. The payment history for the following months is missing on-time payments : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information. 

I have enclosed copies of my payment records for the specified months, which clearly show that payments were made on time. These records substantiate my request for updating the missing payment histories to reflect " pays as agreed. '' I respectfully request that TransUnion update my credit report to accurately include the on-time payments for the months listed above for my XXXX account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made.
Product: Debt collection

i found out i had a collection on my credit from a parking ticket, so call to pay it off on XX/XX/XXXX which i did in fact with a credit card over the phone, today on XX/XX/XXXX i was denied credit on a auto loan because union adjustment company is still reporting the account as unpaid after i paid it off eight months ago, this company is stopping me from moving forward with my life can you please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've updated my current address with XXXX, XXXX, and Equifax and requested all incorrect addresses and phones be removed and it keeps being denied.
Product: Debt collection

I took a credit with XXXX XXXX  and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free.

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.
Product: Credit card

Dear Customer Representative, I received a pre-approved letter in mail XX/XX/XXXX from Aspire. I applied for credit and was approved stated no annual fees charged. I was looking over my credit report and noticed I had a late payment due from Aspire do to maintenance fees charged on account, I received an email from Aspire XX/XX/XXXX that my statement was available for viewing and I owed {$25.00}? I looked at my account and saw that XXXX, XXXX, and XXXX I was charged {$5.00} each month for maintenance fees plus interest. This is incorrect because when I received card the PRICING DISCLOSURE STATED : account maintenance fee - {$0.00} annually ( {$0.00} per month ) after the first year. 

XX/XX/XXXX called Aspire XXXX ( XXXX ) XXXX spoke to XXXX and explained that my account should not have any maintenance fee per PRICING DISCLOSURE, she stated that it was changed and I was emailed a copy which I never received? I asked her to email me another copy, she never did. I looked on account app and there was no message about maintenance fee change. I stated that I wanted to close account and have maintenance fee waived since I had no knowledge of charges. She replied that I was still responsible to pay late fees and interest charge which is what I am disputing my account shows I owe {$25.00} if she waves maintenance fee XXXX I still owe {$10.00} plus late fee {$41.00} total {$51.00}. I never have used this card and with the late payment it is negatively impacting my XXXX SCORE. 
Will you please contact Aspire and have all charges removed. 
I have enclosed : Copy of Email # XXXX Pre-approved letter showing XXXX annual fees # XXXX Documents when I received credit card showing Annual Fee XXXX Account maintenance fee XXXX annually ( XXXX per month ) after the first year. 
# XXXX copies of monthly fees XXXX, XXXX, XXXX Credit Card Number : XXXX XXXX XXXX XXXX Thank you for XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX  and XXXX  dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to dispute the recent verification regarding an account listed under XXXX XXXX XXXX. My initial request for validation was not fulfilled, as only a verification was provided without any supporting documentation to confirm this debt is legitimately mine. Since I am a XXXX, and to avoid potential confusion or misattribution, I demand complete validation in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed account : Account Information : XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX Balance : {$650.00} High Credit : {$650.00} Payment Status : Collection/Charge-off ( 120 Days Late ) Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Comments : Account disputed by consumer reported by subscriber. 
Account seriously past due/assigned to attorney, collection agency, or internal collection. 
Consumer disputes this account information. 
Requested Validation : I request the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
Documentation that proves XXXX XXXX XXXX has the legal right to collect on this account. 
A detailed payment history, including evidence of the last payment made. 
If you or the creditor can not produce this information, I expect this account to be immediately removed from my credit reports. Furthermore, I demand all collections activity cease until proper validation is provided. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Failure to respond adequately within 30 days will result in further action, including filing additional disputes and complaints. I look forward to your prompt resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I applied for a credit card with Chase, the Sapphire edition on XX/XX/XXXX online through a referral from a current cardholder. I receive a letter asking if I had applied because it was assumed it may be a fraudulent application. I followed the directions provided in the letter requiring a telephone call and following prompts to confirm legitimacy. Several weeks later on XX/XX/XXXX, I called the Chase telephone number in the letter and was informed that they had delays. I was sent a request to verify by identity with a government ID. I followed up on XX/XX/XXXX to find out what the delay was and was informed that the government ID that was sent via the Chase portal as insufficient ( this was a state issued driver 's license ) and that the application was declined. However, if I wanted to go to a Chase bank I could get an answer immediately. 

I feel I was discriminated against because I am a XXXX XXXX  and did not report home ownership. My creditworthiness is significant based on traditional and conservative measures except for marital status and XXXX. 

If Chase is treating me in this manner, how are they treating other less qualified applicants?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX, XXXX to address a false report on my Experian credit file which indicated that I am past due on my bill. I was assured that the account was in good standing and in forbearance status. The representative who took my call also suggested I dispute the item to get it removed from my credit. Upon doing so, the company reported that I was late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail that was dated XX/XX/XXXX which confirms that I do not have a past due  balance and my account is currently in forbearance status. My credit score has dropped tremendously due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"
Product: Debt collection

they have called threatened harassed, had some guy call me and my wifes phone threatened, told us not to sue or we will lose. i sent them a letter of validation of debt no response in proof that i owe alleged debt. they just threatened and harassed more