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

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unfair and deceptive practices in a recent vehicle purchase transaction. The details of the incident are as follows : On XX/XX/XXXX, I applied for financing for a XXXX XXXX XXXX. On XX/XX/XXXX, i was approved for financing with Global Lending Services. I visited XXXX XXXX XXXX to purchase the vehicle. After negotiations, we agreed upon terms for financing, including a down payment of {$3000.00}. Subsequently, I provided all necessary documentation and was approved for financing with these terms. 

However, upon further communication with the dealership, they informed me that the financing terms had changed. They claimed that there were inaccuracies in the information provided during the application process and attempted to require a higher down payment of {$9000.00}. Despite providing evidence to support the accuracy of the information initially provided, the dealership was unwilling to honor the agreed-upon terms. 

Furthermore, when I expressed my intention to escalate the matter to the manager or owner for resolution, the dealership was uncooperative and failed to provide their contact information. This lack of accountability and transparency only exacerbated the situation. 

As a result of XXXX XXXX XXXX ' actions, I have experienced financial harm and undue stress. Their failure to honor the agreed-upon terms, coupled with their lack of transparency and professionalism, constitutes unfair and deceptive practices in violation of consumer protection laws, including the Truth in Lending Act ( TILA ). 

I am seeking the following resolution to this matter : XXXX. Honoring the original financing terms agreed upon, including the {$3000.00} down payment. 
XXXX. Adequate compensation for any financial losses incurred as a result of XXXX XXXX XXXX ' actions. 
XXXX. Enforcement of appropriate penalties against XXXX XXXX XXXX for their unfair and deceptive practices. 

I appreciate your attention to this matter and request a thorough investigation into the conduct of XXXX XXXX XXXX. Please feel free to contact me if you require any further information or documentation regarding this complaint.
Product: Debt collection

" Enterprise Recovery System '' has been repeatedly ( several times each day ) calling me, family, and friends regarding a debt which has already been paid. 

They have attempted to discuss my debt with relatives and friends. 

They have repeatedly used phone calls to harass myself and those close to me. 

They have not sent a validation notice and refused to do so after I requested XXXX multiple times.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I did also state to the credit bureaus that one of the collections for {$1300.00} original creditor was XXXX and it states that the account was opened XX/XX/XXXX and that XXXX was acquired by XXXX XXXX XXXX and XXXX was discontinued. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX - XXXX - {$1400.00}, XXXX XXXX XXXX - XXXX - {$1300.00}.
Product: Credit reporting or other personal consumer reports

XXXX has consistently refused to remove a dispute when I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Commerce bank charged a {$30.00} late fee on a {$67.00} balance. I had set up a payment online and it didnt go through. I paid it, cancelled the card through the bank. The cancellation didnt go through and more charges came through where I again occurred another late fee. I just read that late fees were capped at {$8.00}?
Product: Debt collection

Reference # # XXXX Said to owe {$4700.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes beginning first week of XXXX with all three major credit bureaus as well as contacted the lender XXXX XXXX XXXX to no avail. All disputes were closed and the lender verified the incorrect data again after paying them over XXXX dollars in one month to double up and pay my loan off early. I have reopened disputes again as well as shown documentation to the Credit agencies as well as opened complaints with this agency now on file as well. The loan company 's response is to put me on hold or hang up on me once denying my claim and asking for a supervisor. Never ever again will I do business with XXXX XXXX XXXX and this is a very hard loan that is designed for failure from the start your paying three times the amount of the vehicle after a 6 year term. I just got out from being triple upside down on the loan and they refuse to acknowledge my greatness at beating them at there game.
Product: Debt collection

There is a company named LVNV Funding reporting a collection account on my credit report, as I have a monitoring service. Well, I 've made an attempt to each this company, but apparently they have subcontracted the alleged debt to a subcontractor name Resurgent Capital. However, when trying to reach this company nobody seems to be willing to provide assistance, and it 's difficult to understand who actually owns this debt. The representative is extremely rude when I call is very disrespectful.
Product: Credit card

I applied with USAA for a new line of credit after unlocking my credit profile. I have fraud alerts on my profile but usaa failed to contact me for Any verification but had no problem calling me to deny the application and encourage me to apply again. I'm tired of companies employees not doing their assignments until it is time to close the file then close it out without actually working the file. How they can deny me something they haven't verified isn't fair.
Product: Credit reporting or other personal consumer reports

Complaint Against Capital One Credit Cards Unfair Practices Regarding Returned Payment, Failure to Communicate During Medical Hardship, and Refusal to Address Late Payment Despite Hardship Program Dear Federal Trade Commission, I am writing to file a formal complaint against Capital One Credit Cards for unfair practices, inadequate communication, and a disregard for my medical hardship, all of which significantly damaged my credit standing. 

On XX/XX/year>, I was involved in a severe car accident that resulted in significant XXXX XXXX requiring XXXX XXXX  and treatment. You will find attached copies of my medical records to document this. During my XXXX, a payment on my Capital One credit card was returned. I have a longstanding history of on-time payments with this account and had never missed a payment prior to this incident. 

Capital One Credit Cards failed to take any reasonable steps to notify me of the returned payment. I only became aware of the issue after the payment was more than XXXX  days past due. Upon discovery, I immediately contacted Capital One, provided comprehensive medical documentation to explain the circumstances, and was subsequently placed on a financial hardship program.

Despite being enrolled in their hardship program, Capital One has refused to remove the negative late payment reporting from my credit history. This has had a detrimental effect on my financial wellbeing.

I believe Capital One Credit Cards engaged in unfair practices by : Failing to Exercise Due Diligence : Not making any effort to contact me regarding the returned payment, despite my previously consistent payment history.

Disregarding Hardship : Lacking any process to meaningfully address extenuating circumstances like severe medical emergencies, leading to immediate negative credit reporting.

Insufficient Resolution : Refusing to rectify the late payment reporting even after acknowledging my hardship situation and enrolling me in their hardship program.

I request that the Federal Trade Commission investigate this matter and compel Capital One Credit Cards to remove the negative remarks associated with this incident from my credit report. Their actions have caused undue stress and financial hardship during an already challenging time.

Thank you for your attention to this matter.

Sincerely,
Product: Vehicle loan or lease

I got a new car loan with BMW Financial Services in XXXX of XXXX. This car loan was never reported from XX/XX/XXXX until XX/XX/XXXX. They reported this to my credit bureaus over 10 years after the fact and it was false information. I called the company today and was lied to about the communication efforts and notifications that were never recieved by me and was unable to get transferred to someone who could help me. Just kept continuously getting lied to. 
This car was voluntary surrendered in XXXX over 5 years ago due to a hazard to drive, The car was never in good standing mechanically from the day I purchased it. The car was a HYBRID and was unsafe from the time I bought it. BMW was made aware of the faulty system numerous times and it went back to the XXXX XXXX  numerous times. I was then told by my XXXX agent they would buy it out or replace it. On the way home from BMW I was involved in a MAJOR car accident in the BMW which took 8 months to get fixed when they should have totalled it out. When i got the car back from BMW service center it was still unsafe to drive if not worse.

When i corresponded with BMW in XXXX for the Voluntary Surrender, it was the last time I had heard anything from them. NO notices in the mail, by email or by phone.

They now, After 10 years of opening the account, they decide to report it to my credit reports as a charge off, 30 days past due. I havent heard from BMW Financial since 2017. These dates are way past the Statue of Limitations with the State of Florida. 
I have since disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation with the company, they have failed to comply with federal law and correct the errors on my credit report. 
As a responsible consumer, I have always been diligent about monitoring my credit report for accuracy. However, I was shocked to discover that Equifax had included unlawful information/accounts on my credit report. This inaccurate information has had a negative impact on my credit score and has made it difficult for me to obtain credit when I need it. 
I have made repeated attempts to contact Equifax to rectify this situation, but they have failed to take any action to correct the errors on my credit report. This is in clear violation of federal law, which requires credit reporting agencies to ensure the accuracy of the information they report. 
I am now requesting that Equifax be held accountable for their actions and that they take immediate steps to correct the errors on my credit report. I also request that the CFPB launch an investigation into Equifax 's practices and take appropriate action to ensure that other consumers are not similarly affected.
Product: Debt collection

I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about.
Product: Checking or savings account

I was refused service at the XXXX XXXX  XXXX, XXXX, TX XXXX PNC Branch by the branch manager XXXX XXXX. XXXX refused me service, telling me, " we will not serve you here ; you will have to go to a different branch. '' This is all after I came to this branch multiple times spending hours at the branch trying to get my money with multiple different tellers and with XXXX herself. 

Furthermore, the tellers refused to get any amount of money from any of my checking accounts. 

I did what XXXX said, left the XXXX XXXX  XXXX branch, drove to the XXXX XXXX XXXX, XXXX, TX XXXX branch location and was able to get all of my money out in less than 30 minutes from the teller.
Product: Debt collection

THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 SELIP & STYLIANAOU ARE CONSPIRING WITH XXXX XXXX AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P SELIP IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.
Product: Debt collection

XXXX am XXXX & XXXX XXXX XXXX XXXX XXXX left me a message. First of all I have been identity theft, and have reported this to the federal government, and have told all my accounts and they all were closed. I have as I write this a company helping me resolve this. As the accounts report to the credit bureau and I am informed that they are MY debts I have paid them off. Every single one. " XXXX '' and XXXXXXXX XXXX are NOT on my credit report. " XXXX '' left a message saying " My office has spent enough time and resources trying to reach you already. It is definitely in your best interest to return this call immediately to resolve this matter voluntarily. This is my final attempt to try to help resolve this matter voluntarily. Good luck to you and pay online. I have not spoken to this person one time. He didnt know who he was calling or leaving a message for, or even if It is MY debt. I feel threatened. Its not that serious. And you can report me to the credit bureau. That hasn't been done. So why leave me threatening messages. These people are dangerous and need to be held accountable.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX a reservation in my name and automatically charging my credit card on file with XXXX. I called the property to inquire why this was done. The merchant informed me that their XXXX, XXXX, had fraudulently made multiple reservations for multiple guests and, when discovered, XXXX was fired. The merchant informed me that my reservation would be canceled and not charged. However, instead of cancelling the reservation, the merchant changed the reservation to a shorter period at a higher daily rate. XXXX notified me that my reservation was changed, not cancelled, so I complained to the merchant, a private franchisee of XXXX, again. The merchant assured me that it was a mistake, and that they would cancel my reservation. The merchant again changed my reservation instead of cancelling it, so I complained to the merchant again. The new XXXX, XXXX, stated that she is not responsible for XXXX 's criminal behavior. I explained to XXXX that I was disputing her fraudulent activity after XXXX was fired, and I asked for written records of who made these reservations in my name, and who made subsequent changes in my name. XXXX refused to comply. Therefore, the XXXX records that verify that someone other than me made this reservation plus XXXX subsequent changes to this reservation are in the merchant 's system, and also the XXXX system, but I have been denied copies of these records. I disputed XXXX charges with Citibank. Citibank states that I can not contest the charges without written sales receipts. However, the merchant never gave me any receipts, and the merchant refuses to disclose their documentation, so Citibank 's request is unreasonable.
Product: Credit reporting or other personal consumer reports

RE : You violated the United States code law ( TILA ) 15 U.S .CODE 1666 ( b ) charge error ). Upon checking a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. ( 4 ) The creditor inability of truthfully depict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX : ACCOUNT # XXXX ... 

XXXX. XXXX  : ACCOUNT # XXXX... 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX  : ACCOUNT # XXXX ... 

XXXX. XXXX XXXX  : ACCOUNT # XXXX ...
Product: Debt collection

I attended the XXXX XXXX of XXXX XXXX for two quarters in XXXX and XXXX. My mother co-signed with me for loans totalling {$9900.00}. This money was never seen by me it was transferred into escrow by the XXXX XXXX for a company called XXXX XXXX. I with you after my second quarter, and the campus I attended closed down shortly after that. The contract I signed clearly states that withdrawing entitles you to a refund so I am unsure as to why I am receiving a tax lien for the entirety of the debt. We even made a payment for the first two quarters, for almost {$3000.00}. I have sent numerous emails and attempted to contact by phone anyone from the XXXX XXXX that could assist me but have not received any replies. 
Credit report information : US Dept Ed. XXXX**** 36 months Derogatory XX/XX/XXXX Current balance : {$2600.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$4800.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$1300.00}, opened XX/XX/XXXX, closed XX/XX/XXXX Derogatory XX/XX/XXXX Current balance : {$1700.00}, opened XX/XX/XXXX, closed XX/XX/XXXX
Product: Bank account or service

For two months, Wells Fargo has been taking money from my account to cover the overdraft of someone else 's account. This last time they took all of my paycheck to the point of me losing my job because I could not fix my vehicle. Lost my vehicle because I could not work. Have no food due to no job and vehicle so no money. I am sick and tired of this. The account they used my money to cover has a guaranteed deposit the XXXX of every month which would make it positive again. Corporate office of Wells Fargo refuses to replace the money because it is their right of write-off policy. They say it is my consumer policy that I was given when I opened the account. I receive not such policy in the paperwork I was given. They refuse to contact me before taking money from me. They refuse to talk to the other account holder. This is Theft and they all need to be thrown in prison for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXXXXXX  account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.