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

I purchased a car from XXXX XXXX XXXX XXXX  on XX/XX/2023. The following day the engine and oil lights came on, the car reeked of gasoline. I called them everyday to make them aware of the issues with the car. They kept giving me the runaround, so I showed up in person on my lunch break. When I arrived, I had the XXXX come out to the vehicle to share with him what i was smelling. He made like to bring me to the XXXX department to have them look at it. So, they wanted to keep my car without giving me a loaner car. I told them that i needed liable transportation to get back and forth to the academy, because we can't miss any days. So, the service XXXX told me to take the car and when a loaner car becomes available, i can drop the car off. I dropped the car off on XX/XX/2023 thinking it was being worked on, but it wasn't. My car was towed to XXXXXXXX XXXX XXXX supposedly getting fixed, and to my surprise it wasn't. I kept calling XXXXXXXX XXXX XXXX XXXXXXXX to get answers and both parties blamed each other for not contacting each other. So, I called both XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX way. XXXX XXXX service XXXX answered and that is when the conversation began. XXXX wanted to fix it, but because it was going to cost XXXX XXXX {$2000.00}, they said No. So, XXXX XXXX said that they were going to bring the vehicle back to the dealership to fix it themselves, instead of letting XXXX fix it. A few days passed and I didn't hear anything back, so I reached out to XXXX XXXX to get more information. No one called me back so I showed up in person again and the service XXXX said he made the decision to move my vehicle to an unknown reconditioning shop to be worked on and they won't even tell me where the shop is and when the vehicle will be fixed, and I didn't give them permission to move my car. Also, the service XXXX told me that my car should have never been sold to me due to them being under new management and that they didn't do the initial inspection, which is also recorded. Lastly, they sold me an unsafe vehicle that could have blew up or caught on fire to where I couldn't even ride my special needs son in the car because I had to drive with my windows down due to the smell.
Product: Debt collection

cease and desist dispute letter was sent XX/XX/year> no resolution/no response other than company closed my previous complaint confirming they received my XXXX however I have not received a response from them. I am asking them to provide validity of debt.
Product: Checking or savings account

There are XXXX account reporting incorrectly on XXXX XXXX XXXX. This has caused me to not be able to buy a home or a car for my family and I. PLEASE HAVE THESE ACCOUNTS REMOVED ASAP! THIS IS CAUSING ME TO NOT BE ABLE TO USE MY BANK ACCOUNT WITH MY BANK. XXXX XXXX ACCOUNT NUMBER XXXX. WELLS FARGO ACCOUNT NUMBER XXXX PLEASE REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT/ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX My identity was comprised and these were attempts to open fraudulent credit cards under my name. Please view attachment below of report. 

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 Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Validation Request To Whom It May Concern, I am writing in response to a notice regarding an alleged debt that your office is attempting to collect. I am formally requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). Please consider this letter a written dispute of the debt and a request that your office provide verification and detailed documentation of the debt in question.

Specifically, I request that you provide : 1. **Verification of the debt amount**, including a breakdown of any fees, interest, or other charges that have been added. 2. **Proof that I am legally obligated to pay this debt**, including documentation of the original creditor 's name, address, and any signed agreements or contracts. 3. **A full account history** that shows how the debt amount was calculated from its inception to the present balance.

4. **Documentation of your authority to collect on this debt**, including a copy of any transfer or assignment of the debt from the original creditor. 

Please also provide any information you have regarding the date of the last payment made on this debt. Until I receive the requested validation, I will consider this matter unresolved, and I kindly ask that all collection activities cease as required under the FDCPA. 

I am requesting that you respond within 30 days of receipt of this letter. Thank you for your attention to this matter. Please direct all correspondence to the address listed above. 

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

In accordance with the Fair Credit Reporting act, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect Items on my credit report. It has been well over 30 days and I have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.
Product: Debt collection

I did not receive a letter or get a phone call from this collection agency, Southwest Credit Systems. Alleged debt {$530.00} reported/open XX/XX/2019 I am not aware of the alleged debt. 

Upon further investigation, I learned this agency is not license in the state in which I reside TN to collect. 

The collection agency is now reported on my credit report unfairly.
Product: Debt collection

I opened a Military Star Card account on XX/XX/XXXX for {$4.00}, XXXX. I began making monthly payments of {$96.00} to $ 100 monthly from on or about XX/XX/XXXX until my last payment of {$100.00} on XX/XX/XXXX ( please see attached email receipt ). XX/XX/XXXX my amount due was {$4000.00} eventhough i NEVER missed ANY payments. Within 7 days of my payment I received email on XX/XX/XXXX stating I had missed my payment. Then on XX/XX/XXXX I received another email stating I was 2 payments past due and that my account was suspended. Then on XX/XX/XXXX I received another email stating my account was 3 payments past due and that they would begin Garnishment, reporting to Credit Bureau etc. 
I had XXXX % income reduction due to COVID-19 Pandemic. 
Fast forward to XX/XX/XXXX. I called to request debt reduction and settlement of my debt. The Senior Representative XXXX XXXX XXXX told me the following : " XXXX Outstanding Debt Military Star AAFES reduction of debt policy my Account doesn't qualify Minimum 12 months to apply for reduction of debt Default XX/XX/XXXX. '' They had already initiated Garnishment orders. 
I requested to speak with a Supervisor. XXXX XXXX XXXX came on the phone and stated the following " 2 consecutive payments then I qualify for reduction of debt '' I agreed to make 2 consecutive payments of {$1500.00} on XX/XX/XXXX and XXXX to qualify for this reduction of debt. 
I was instructed to call back before XX/XX/XXXX when the next interest cycle would occur and offer to resolve debt. 
I called on XX/XX/XXXX and spoke to XXXX XXXX again. 
Now I had XXXX remaining, and I asked for Reduction of debt and offered to pay an additional {$500.00} submitted. I was told it would take upto XXXX business days for a response. On XX/XX/XXXX, I missed a call from XXXX XXXX but a message was received to return call. On XX/XX/XXXX I received another call from XXXX XXXX that they declined my offer and stated I had to pay {$1800.00} " flat '' of the {$2300.00} remaining, eventhough I just paid {$3000.00} in the last 2 weeks. I asked could there be a reconsideration for possibly {$800.00} or {$1000.00} and he said NO. There is NO reconsideration. I have NEVER heard a debt collector unwilling to work with a client. XXXX XXXX was off that day.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit card

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancellation of Debt ) from the following charged off accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After checking my most current report the updated information stated the account was purchased by A COLLECTION AGENCY. 
XXXX Account XXXX was purchased by XXXX XXXX XXXX XXXX 
These accounts can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Acct # XXXX I did not give permission for this to be reporting to my credit report. 

Please remove right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. Experian has reported inquiries on my credit report about alleged attempts from me to request credit from the following companies on the respective dates listed : XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The original company ( XXXX XXXX ) picked up the water cooler and the empty bottles that they were billing me for. I spoke with XXXX XXXX XXXX ( President and CEO ) of the company and he mentioned that he told the Collection Bureau of America ( CBA ) to close the account because the company had received everything back in its possession. XXXX XXXX whom I spoke with at CBA was very nasty and she refused to close this account even though XXXX XXXX  requested it to be closed. She claimed she had not heard from the General Manager but he mentioned to me that he had spoken with her and the company can not bill me for equipment that had been returned and was in their possession.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( GS BANK ) 3. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX  XXXX : Balance : {$360.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX : Balance : {$650.00} | Date Fraud Begun : XX/XX/XXXX XXXX  XXXX : Balance : {$3100.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX  : Balance : {$1100.00} | Date Fraud Begun : XXXX. XXXX, XXXX XXXX XXXX XXXX : Balance : {$1000.00} | Opened : XX/XX/XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.
Product: Vehicle loan or lease

I made 3 monthly payment in advanced in amount {$1700.00}, on XXXX towards principle from the first year of the loan and it was not applied to the principle til towards the end of the loan. Interest was not calculated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my Transunion report that were not done by me. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX === {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I paid my co-pay and XXXX XXXX Paid the balance of {$1100.00}. I resigned from my XXXX   job in XX/XX/XXXX. In XX/XX/XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to XXXX and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.
Product: Student loan

I have a loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there were 90 days late ( XX/XX/2018 ) payments on my credit report. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00}
Product: Checking or savings account

The company preys on consumers who are struggling financially by allowing for transactions to automatically process even though funds are not sufficient. They claim to offer an " extra grace day '' period and that they send email notifications, yet I only recieved one today ( XX/XX/2023 ) for " insufficient funds. '' When I opened my account, I noticed an overdrawn account of {$45.00}, {$35.00} of which were their infamous overdraft fees. As a customer of 10 years, as well as a student and parent who has faced financial difficulties recently, I was appalled when they told me " I had too many of their [ greed-fueled ] fees refunded in the last 12 months and that they were unable to help me in my situation. '' Since I do not currently recieve direct deposits and rely on gig jobs between parenting and schooling or selling my possessions to pay bills, I asked what could be done as a solution to prevent any more daily {$35.00} fees ( leaving me further indebted to the bank ) while I figure out how to get money transferred in. The representative gave me zero solutions and simply stated the obvious " look out for the grace day period '' or " connect a credit card and add a savings account with money you very clearly don't have. '' This means that they told me I would continue to receive daily {$35.00} overdraft fees even after replacing the missing funds from my account. This is not the first time they have told me this. 

They also continue to charge a {$10.00} " monthly service fee '' due to the fact that I do not make at least 10 transactions a month ( which is difficult to do when you have very little in your account to begin with ). The only way to avoid the service fee, according to the bank, is to have a minimum amount of cash in your account or to make these 10 transactions monthly. These practices are disturbing, as there's nothing done by Wells Fargo to earn the money and it targets those who aren't financially stable enough to spend frivolously. I have had positive balances in my account before, but not " sufficient '' by Wells Fargo standards. That, meaning that I have had to practically beg them several months ago to refund a meaningless {$10.00} fee just to afford gas to get home from work ( though they refused to return that money that they took, for quite literally no reason other than, " this is our policy. You must have {$500.00} in your checking/savings account to avoid the fee '' ). This " maintenence '' fee is why I closed my savings account with them in the past.

I have no idea how anything this bank does to profit is legal, but it is most definitely not moral. I have finally decided that I am one of the many who are absolutely done with dealing with a bank who does not care for anything other than lining the pockets of its investors and executives. They need to stop allowing loyal customers to overdraft or stop charging ill-intentioned, daily fees for small discrepancies. Shame on Wells Fargo for instilling these horrendous practices into their business model.
Product: Debt collection

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there are open accounts reporting, XXXX XXXX, XXXX, XXXX XXXX I have never had these accounts and these accounts is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.
Product: Money transfer, virtual currency, or money service

I have an account with Cash app I made a payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX} they illegally cut off my service a week later I filed a dispute with Cash app to get my XXXX back they are refusing my refund
Product: Credit reporting or other personal consumer reports

A few fraudulent accounts are reporting my on credit report. I have attached a new FTC report along with my DL and Passport. I have contacted the credit bureau regarding these fraudulent accounts on my credit profile and also sent the document via mail back on XX/XX/2023. I gave them 15 days and called back to be told by the agent that they did not receive anything. They also told me to get a new FTC report. This situation has caused serious XXXX. I had to go to the XXXX XXXX to purchase XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX BANK ACCOUNT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.