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

I have had my XXXX XXXX XXXX  for 3 years fell upon hard times along with the maintenance of the car. I became severely upside down in the loan due to a few late payments and the fact the blue book value of the car in good condition is XXXX. My car is in less than good condition with a offer of XXXX to trade it in. I have attempted to leave the truck outside my garage for pick up however the plates are expired and tickets was being issued. i tried calling the repossession line the wait is so long i always hang up as Im always busy and on the go. I did not want to give up my truck however trying to make payment arrangements was always such a task as well, ive even had a representative ask if i could borrow the money from someone. This kind of practice of upside down loans and recovery should be illegal. this isnt a new loan and ive paid a good majority of it based on the value of the car. ive had to change my number because of the harassing phone calls and now emails. I am the single mom of XXXX XXXX working a regular job just trying to survive as we all are, id like to give this car back and have my loan adjusted or keep the car at a decent pay off rate either way the way they do business is alarming to me as a consumer.
Product: Debt collection

I did not receive notification of the debt owed. When I contacted this company they ignored my communications.
Product: Credit card

I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. 

Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some XXXX XXXX XXXX of theirs without my consent. The program consists of the customer making XXXX on time payments to their accounts of the minimum payment due in which I 've made more than XXXX payments and I 've paid much more than the minimum with each payment I 've made since XX/XX/XXXX which is also when Capital One put me on their XXXX without me knowing. I was told when I make the last payment my credit limit would be increased to {$1000.00}. As I 've stated I 've made more than XXXX payments already yet Capital One has refused to increase my credit limit to the {$1000.00} credit line and it 's not right which makes me further consider not doing business with Capital One any longer because I have health issues and I do n't need any stress from a company about something they promised me. On Tuesday XXXX I spoke to a Supervisor. He tells me my credit limit wo n't be increased until XX/XX/XXXX. I told him that 's not right I have to wait until XXXX XXXX when I 've made XXXX payments already. I also have proof regarding the higher credit limit offered by Capital One which I 'll include with my complaint. 

I have medication that I pay for monthly that I intended to use my card for when the increase was done but now there is a chance I have to wait until XX/XX/XXXX just to pay for my medication and I should n't have to wait that long. Capital One is the one that put me in their XXXX XXXX program because I 've never heard of it until I called yet now they wo n't Honor what they offered. Rather they are able to just add you to any of their programs or not they should send customers something a letter, by mail, or by email because it 's no way they can say they ca n't contact any of their customers to at least let them know what is going on when anything is done with their accounts.
Product: Credit card

XXXX Apple suspended my account for review of an XXXX charge dispute -I called every day for a month asking for updates and understanding of why my account was suspended. Multiple representatives told me that it would be resolved within the day or week. 

-I provided evidence proving a financial error by XXXX and Apple wherein I was being charged for a monthly installment for a watch I returned last XXXX. The Apple employee forgot to cancel my wireless plan attached to the watch when it returned and i was being charged for a watch and service I did not need. 

-After one month of daily calls, my account was closed without explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion verify the accuracy of a bankruptcy that is reporting on my credit report. Transunion mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, XXXX is not telling the truth. I will upload the letter I sent to XXXX, the response from XXXX, the opt out letter from XXXX, and information from the XXXX XXXX XXXX stating that they do not report to credit agencies. Please investigate these violations.
Product: Credit reporting or other personal consumer reports

A few months ago through certified mail i reqested from all three credit buearues about {$15000.00} Open balance XXXX XXXX XXXX Original creditor I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : XXXX. A copy of the original signed contract or agreement between myself and the original creditor. 
XXXX. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied. 
XXXX. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
XXXX. Proof that I have a contract with [ name of collection agency ] bearing my signature.
Product: Credit card or prepaid card

My balance of XXXX was due XXXX, paid XXXX. Then paid XXXX for late fee ( my fault, didn't review stmt ). Then I noticed my balance was XXXX called XX/XX/19 to see if XXXX payment was lost... was told original late fee was more than XXXX and then I had been charged a late fee on a late fee resulting in the balance of XXXX. 

My questio : Is it legal to charge late fee on nothing but a late fee. This is outragous... Then the young man who was bordering rude told me, we ma'am you haven't asked me to reverse the fee to which I replied I shouldn't have to.
Product: Credit reporting or other personal consumer reports

This account has late payments XXXX which is inaccurate as it does not show the account balance, payment date, and amount paid. I need you to give me a detailed report of the account balance, amount paid and payment date for the months mentioned above. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payments of the following account : XXXX XXXX Number XXXX
Product: Debt collection

First of all, this company has never contacted me regarding this debt that they purchased. Theyve been reporting on my XXXX report for 10 months now. Had they contacted me, I would have explained that Im on XXXX and they cant collect my benefits. I also wonder how they can force me to pay an amount they never paid themselves. Unfortunately, they will not be able to collect on this debt. I also don't understand why payday loan companies get away with charging exorbitant interest rates to create hardships for people.
Product: Credit card or prepaid card

I have cancelled my MasterCard account with Fifth Third Bank since they continue to send me promotional checks tied to the account which I never use or want. I cancelled my account XX/XX/2019 and it took 20 minutes on the phone to do so.

Now, over one month later, I get more of the promo checks in the mail despite the account having been closed ( or I was told so ).

I am now over 20 minutes on the phone with them again and no one can tell me what is going on.

It shouldn't be this hard to close an account and once I have done so I shouldn't get promo checks over one month later. 
I don't trust them to properly close the account and stop mailing checks which I would be responsible for.
Product: Debt collection

On XX/XX/XXXX I sent a verification of debt letter to Vance and Huffman. I sent them a letter because they just appeared on my credit report with no prior communication or opportunity to to verify the debt prior to credit reporting. I requested the following information, which by law they are required to provide. 
The amount of the debt : Provide a complete and itemized statement of the amount owed, including any interest and fees. 
The name of the original creditor : Clarify the name of the original creditor and the date the debt was incurred.

Proof that you have the legal right to collect this debt : Supply any documentation that verifies your legal right to collect this debt on behalf of the original creditor. 
Any agreements or contracts related to debt : Provide copies of any contracts, agreements, or other documents that form the basis for the debt. 

On XX/XX/XXXX I received a response letter stating they were confirming the name/address and the amount due and owing. However, they didn't provide any proof to these things, and didn't provide any of the information I requested from them. They sent four pieces of paper that shows my personal information from looks like XXXXTHATS IT. No other information was provided. 
This is not a confirmation of debt, nor does it prove they have any legal right to collect any debt.
Product: Credit reporting or other personal consumer reports

collection XXXX XXXX XXXX XXXX {$1800.00} I declare under penalty of perjury ( under the law of the united state, if executed outside of the united state ) that the foregoing is true and correct to the best of my knowledge. further, i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company -without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. all is being investigated by the FTC. 
I demand you to remove this account from all 3 of my credit report asap or i will file litigation against your company for furnishing a false account on my credit report
Product: Vehicle loan or lease

I purchased a vehicle online. It ended up being a fraudulent dealership. The payment was wired to an account at Truist bank with ended up being withdrawn or removed by the fraudster. I called Truist to let them know about the situation so they could flag the account or not allow the perpetrator to withdraw the funds. They refused to do so and subsequently, the money has been withdrawn for the account and has not been recovered. 

The two issues are, my bank now is insisting that I still make payments for the car loan even without a vehicle. This could have been avoided if 1, the account was frozen when I called in. 2, someone opened a bank account in the dealership 's name, which the money was sent to and the bank should have done due diligence before opening an account by requesting documents and if that was done, the bank should release the name of the account owners to the authority so my stolen money can be recovered.
Product: Checking or savings account

On XX/XX/2021, Charles Schwab Bank closed my checking account with {$200.00} remaining. They provided false information for a month, claiming that a check was mailed to my address on file. On XX/XX/XXXX, they admitted to never returning my funds and claimed that an undisclosed department would provide feedback on why they opted to keep my money in lieu of resolving the theft. I have no outstanding charges, fees or pending transactions that would interfere with the return of my own money from Charles Schwab.
Product: Vehicle loan or lease

I have a XXXX XXXX with Carmax Auto Finance Account # XXXX. 

I use a service called XXXX who charges my credit card and then writes checks on my behalf. Since I started this loan in 2017. XXXX charges my credit card on the XXXX of every month and the checks are deposited on the XXXX. On 6 different times over the course of the loan I have been told by Carmax whether it be collection agencies calling or letters written stating that I'm late or haven't paid. Each time I have to go through the process of providing them Bank statements and check numbers ( which I get from XXXX ) in order to show payment. Each time Carmax determines it was an error on their part and everything is cleared up. It continues happening time and time again. My belief is that Carmax is trying to scare or bully me in to making multiple payments on my account. They call me at all hours of the day and night and send multiple letters to my home each time. I wish they spent as much time investigating their own business practices as they do harassing their customer. I wish I was able to move on from them, but they have the loan on my vehicle so what can I do?
Product: Checking or savings account

There has been a Fraudulent Citibank bank account XXXX in my name.
Product: Mortgage

I was behind 1 month when Hurricane Irma hit and business income tanked. I called Loan Care to see if they could offer any assistance and they provided that they would put a hold on all late payment fees and negative reporting to the credit bureaus for 90 days; however, they continued to robocall me everyday and send loss mitigation letters to my home while I remain behind on my payments, which is now 3 months in XXXX. My complaint stems from them charging me an inspection fee of $XXXX every month I do not pay even though I made it clear to them that I intend to keep the house and make payments as soon as my income recovers from the hurricane. I do not agree with having to pay for a service that only benefits the mortgage company. If they want to ensure that the home's value is not below the debt balance they can pay for that service as a cost of doing business. I would understand the charges if I failed to communicate with the servicer and did not inform them of my situation and intent to make my payments in the near future; however, they also do not accept partial payments making it more difficult to accumulate enough income before other costs can eat up my funds. While other creditors defer or offer to skip payments, Loan Care really does not offer any real assistance to those affected by the hurricanes. Considering that mortgage companies have their loans secured by homes, it makes no sense why they cannot offer better assistance or consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXXXXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXXXXXX XXXX  XXXX Balance {$80.00} XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/2019 Balance {$0.00} ;
Product: Credit card

I received a US Bank Business Edge Platinum card for each my wife and I with a {$200.00} US Bank rewards card for spending {$1000.00} during the first 90 days of opening the account. Upon doing so I called in twice and was told both times there was no {$200.00} reward attached to this card. I informed her during the call on XX/XX/XXXX to close the account if this was the case. 

I then filed a complaint with CFPB and was sent a letter stating there apologies for any confusion when I contacted them and that there was indeed a {$200.00} reward attached to each card if {$1000.00} was spent on each card, not a combination between cards. It stated my card was still open and eligible but my wife 's had been closed and because so is not eligible. 

I called in today to ask if it could be reactivated since it has {$760.00} towards the qualifying {$1000.00} already spent on it. I have until XX/XX/XXXX before the 90 days is up. If I was n't misinformed on the phone call on XX/XX/XXXX I never would have closed it. She said I would have to talk to a manager, which after being placed on hold said that none were available but that I would receive a call back from one. As of yet I have not.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and supported by documentation from an advocacy group assisting me due to XXXX XXXX-related debt XXXX, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ), I am disputing the reporting of late payments on my credit profile.I am requesting that you block the reporting of these late payments from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of XXXX XXXX and debt XXXX, and it is my right for these inaccurate and harmful entries to be blocked or suppressed.This request applies to all listed accounts associated with TransUnion that reflect late payment entries resulting from my circumstances.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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX, XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$420.00} under the account number XXXX, an Debt Buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$450.00} under the account number XXXX, a Debt Buyer account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$620.00} under the account number XXXX, and a Debt Buyer account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$790.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I investigated this hard and far and I needed to be removed from my credit report as soon as possible. 
Companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies ran a XXXX inquiry without my permission or my consent. This needs to be report removed from my credit report as soon as possible because its in violation. 

US Codes 18 USC 1028 15 US Code 1602 p
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports to Experian and the date of last payment ( according to XXXX ) is XXXX 2010.  Because it has been 7 years, these accounts should not be reproted to the bureaus. They also should not show on my report. Lastly, i have disputed these accounts becuase all of my student loans are public loans through the governmetn and have been being paid on time consistently. These XXXX accounts need to be removed! XXXX and XXXX has removed them as they saw the age of alleged accounts yet Experian still reports them. This negatively has impacted me when purchasing my home and car, and my auto insurance as well as my Federal Government Security clearance.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I sent LexisNexis a letter requesting my personal information to be updated and a security freeze be placed on my Consumer Report, and also to opt-out of them disclosing future information until further notice including the C.L.U.E report!

I also requested a updated copy via mail of my Consumer Report and I have yet to receive any of the requested information.
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.