23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please refer to a previous XXXX XXXX, As of XX/XX/21 XXXX is threatening to sue me for an auto debt. I was deceived by using XXXX buying a used car with lots of miles. They deceived me by thinking I purchased Gap Insurance instead they sold me something else. Why would I purchased it if they car had lots of miles in excess of XXXX. It was in a car accident and paid off thru XXXX and the difference is what they are going after. Multiple times I tried working out a payment plan but they dont work with non profit credit organizations. They continued calling me and my employer took my phone away bc it was for business purposes. I am currently laid off so this intent to sue keeps me up at night. Its not a joke but my lively hood. I hope they would understand where I'm coming from. They have attempted to contact my previous employer so they are not happy about that. This worries me so much since I am trying to get my job back and this does not help my getting rehired. I can pay XXXX dollars a month, please take in mind it was never my intention to incur this debt with them. They are ferocious when it comes to collecting.
Product: Checking or savings account

I rented vehicles on my vacation in XXXX on : 1 ) XX/XX/XXXX - XX/XX/XXXX 2 ) XX/XX/XXXX - XX/XX/XXXX We arrived at the airport on the XXXX of XXXX and were told by a salesman that our XXXX   Employee discount allowed us to get a nicer car at the same price. He tried up selling us several products for the vehicle and we DECLINED them all. We both hold car insurance policies that cover rentals, and our XXXX XXXX Credit cards and Travel Insurance also cover incidental & rentals so me and my partner declined. We ended up getting charged for a Damage Waiver enrollment ( {$43.00} ),  Roadside Assistance ( {$13.00} ) and several other fees and XXXX miles ( {$65.00} ). Some of these items were added after we left the enterprise without our knowledge. 

When we arrived back on the XXXX we noticed one of our passports were gone and also asked about some of the fee 's being corrected. We were told the manager would see to it when he was available and that they would " Take Care of us '' -- so we rented the same vehicle and extended our stay to get a new passport at the passport agency. 

on XX/XX/XXXX - XX/XX/2019 due to us noticing the passport and cash was gone we rented another vehicle and schedule an appointment with passport agency. Once we got back we noticed we were charged additional fees and a Car Class Change fee ( {$160.00} ) for the same vehicle we had! We also were charged a Time & Distance Fee ( {$65.00} ) for XXXX miles. There no way we could have driven that much because we picked it up at XXXX XXXX and spent the entire next day at the passport agency waiting in line on a first come first served basis. 

When I got back to XXXX, Minnesota I called the XXXX XXXX about 20 times then a local branch told me if they don't reply I should just dispute it because it seemed to be mishandled. 

I notified capital one of this and they reimbursed me the funds ... then several months later they charged my account take it negatively and began assessing me fees. I called to speak to the processor but I got a rep who told me management/processor would call me and that I couldn't speak to her manager. ( I have the recorded call ). I told her the FDIC Guarantees and protect my money and she told me if they allow my dispute the bank will lose money because XXXX presented a contact -- even after I told her they made changes to it after I had signed and I had specifically asked to not be enrolled in those programs. I never received a call from management or the processor. It has greatly impaired my ability to pay my car payment and pay my bills on time.
Product: Payday loan, title loan, or personal loan

Minto Money is a predatory lender- it is criminal what they charge. I thought there were laws to protect us but apparently there is a loophole this XXXX uses : I do not agree I signed loan docs knowingly with interest rate clearly at the beginning of the document. Unfortunately I had two loans with them and didnt realize the ridiculous interest rate on first one because I paid early plus obviously wasnt paying attention. I signed docs online ( text signature ) but was not given a copy either time and when I tried to access recently I had to request several times via phone as not readily available online. In any case, I was charged 629.3 % and 386.4 %. I feel like this should be illegal. Supposedly they are protected but I have read of other lenders that use the same status but not correctly ( not that I think there should EVER be a way a tribe should be able to take advantage of people needing a small loan that may not have the best credit.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, ****, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I lost my job find new job move on other city didnt receive my bills and credit card company false report late payment I paid on time always and paid off balance
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I noticed my monthly statement from Lowes had a late fee charged. I called Lowes customer service number and explained that I noticed a late fee charged and that my payment is not late. I have my monthly payment taken out on auto bill pay from my bank. The payment is made the day before the due date. My payment date is the XXXX of each month ; and it is paid on the XXXX. When I call Lowes, they reverse the late charge. Unfortunately, charging a late fee occurred every month. I had to call every month to tell them the same thing ( late fee should not be charged. payment is not late. ) and when I was charged twice for a late fee, ( one fee for being late, another fee for not paying the late fee with my payment ) -- -they would only reverse one of the fees!!! Lowes has since penalized my account because they said I am late so often ( lie ) they have raised my interest rate!! -- -- I notice on my monthly statements, that XXXX XXXX is who takes care of the monthly statements ; I have a JCPenneys  account, too. XXXX XXXX is also the institution that takes care of JCPenneys monthly statements, and I have never had this happen on my account with them. I want this fraud attempt to stop -- -- I want my interest rate put back or lowered. I have not checked my credit report as of yet, so I do not know if Lowes has been reporting late payments on it, and if they have I want all negative remarks or statements removed immediately. one more thing, I initially filed a complaint with BBB, the BBB contacted Lowes, and I did receive a call once from Lowe 's around end of XX/XX/XXXX of XX/XX/XXXX ; and have not heard anything from Lowes since ; I contacted BBB on XX/XX/XXXX for follow up telling them I have not heard anything from them or Lowes, and they said to refile complaint with BBB.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX, XXXX, XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Account XXXXXXXX XXXX XXXX - Opened XX/XX/2020 - I am requesting that this trade line be deleted from all three of my credit reports. I have notified each credit bureau that this trade line reports inaccurately and affects my reports negatively. This account was paid in a settlement. I never received any 1099 for this account confirming it was settled, although I received an email it was. I notified each bureau in a dispute that the account reports payment status as XXXX and nothing has been fixed XXXX Also, the last payment date for each credit bureau is inaccurate. I notified the credit bureaus and was advised after the dispute that it was reported accurately, verified, no change. I emailed the CEO of XXXX XXXX regarding for this request to be fixed and was then contacted by Compliance that on their end, they report accurately and the credit bureaus report their information inaccurately. Per inaccuracy, I request that this trade line be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Was charged XXXX a month for a credit builder membership since XXXX of XXXX, receiving notice from credit bureau that tomoboost account had been closed, my credit score dropped significantly yet I am still being charged and they keep beating around the XXXX and will not cancel my membership.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Debt collection

Last called was   XXXX   XXXX   XXXX   at my place of employment. Was a recorded message. I have left messages in the past for something in written but nothing was sent.
Product: Payday loan, title loan, or personal loan

I was unable to make payments to Lending Club because I am XXXX. I spoke with them 2 months ago to stop automatic payments from my bank account. The first payment was stopped. Unfortunately, the second payment was taken from my bank account. I called them XX/XX/XXXX and told them that they took an unauthorized payment from my account. They apologized and said that the money would be returned 5 to 7 business days later. I still have not received my payment reversal. I spoke to them XX/XX/XXXX and they told me it would be in my account by today, XX/XX/XXXX. The payment is not there. I called them back today and they told me that the payment would be in my account by the end of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Joint credit card opened in XX/XX/XXXXwith former spouse. After divorcing in XX/XX/XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the  account in XX/XX/XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and no one appears to care, that I want to dispute particular records in my credit file that does not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXXXXXXBalance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$1800.00}, XXXX XXXX XXXXBalance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX, XXXX XXXX  Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Product: Debt collection

My daughter was attending college up until XXXX, I had moved from Minnesota to Virginia in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
Product: Checking or savings account

Okay so I was charged for {$170.00} on on XX/XX/2024 of of {$170.00} and the charges were from XXXX and cash app I went to the XXXX XXXX XXXX and cash app said that there's nothing that they can do and my money is in limbo between XXXX and cash app cash apps telling me to go to XXXX and XXXX is telling me go back to cash app and they're both telling me that there's nothing that they can do somebody's got my money and I don't know what else to do I've done went to the XXXX XXXX XXXX  and they just basically telling me I'm out of {$170.00}
Product: Credit card or prepaid card

My paypal prepaid account was closed XX/XX/2021. The balance on my account at that time was XXXX. I tried to communicate with the company in every way i could find. I was given either no information, or incorrect information. These attempts to correct the issue, on my part number close to fifty. after over a month of having no access to my funds i was finally able to recover slightly over XXXX XXXXXXXX XXXX. There is a remaining balance of XXXX that was not returned to me ... after many more attempts to have my funds returned. All of which i was lied to, and made to provide documents and letters. ive done everything i was told. This company has kept my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.