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

I had this vehicle voluntarily reposessed in 2019. I didn't end the Lease early. Also, the dealership, XXXX XXXX  XXXX XXXX, lied to me when they told me the second lease after the first leased vehicle was terminated and said it was a continuation of the lease.
Product: Debt collection

My First Issue : I pulled my credit and found this collection on all three credit reports. I have never received any paperwork or a call, from this company, nor do I know what this collection is for. I tried to call the number on my credit and I get voicemail. The account shows the original creditor is for XXXX XXXX XXXX. I have state insurance for my girls and XXXX XXXX/ XXXX XXXX, So I would have never received a bill from this original for anywhere near this amount. I would have like to be billed properly and have a chance to dispute any amount claimed that I owe. 

My Second Issue : This collection company is reporting differently on all three credit reports. For example : on my XXXX, the name of the company or what the account is for does n't come up. It states that is a collection for XXXX. On XXXX XXXX, it reports a completely different company with the same account number and address as on XXXX. On XXXX, is shows the full account. I 'm about to purchase a home, and the mortgage company wants to know why it shows three different companies have the same collection. Because of this incorrect reporting by the collection company, I show that I owe a total of XXXX in collections not the XXXX. I want all of the accounts removed off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$4800.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me the billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on credit report. 


XXXX. XXXX {$4000.00}
Product: Debt collection

This account was Closed/ Write-off in XXXX and removed from my credit score. Capital One has now turned around reopened this account and put it back on my credit report with a different date and different collection company. I I have not has a credit card with Capital One at any time in XX/XX/XXXX. This is false and extremely hurting my credit score. I have not ever received anything in the mail from Capital One saying I owe them anything or borrowed {$430.00} from them in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

My letters were opened by the credit reporting agencies and then returned with " refused '' labels. However my letters were received beacuse I received notifications that my disputes were open. It has been over 30 days
Product: Debt collection

I received a debt collection call from Cawley and Bergmann out of New Jersey at approximately XXXX XXXX  on XX/XX/21. My complaint has to do with this company volunteering my information to the person answering the call. In a world of identity theft starting the call with " is this *insert name here* at *residential address* '' is improper and unacceptable. My personal information should be safeguarded from the moment I apply for the account throughout the life of the account. Any verification of information should be provided by me and checked against their records. Not provided by them to whomever picks up the phone. Plus any person can simply say yes and then obtain the follow up information about the debt which is also supposed to be confidential. There is no real verification of identity here and this would fail any compliance style audit at the call center I work for. They should be held to the same requirements for safeguarding data as the banks that initiate the loan.
Product: Credit reporting

I opened a non-reporting installment agreement with XXXX XX/XX/XXXX. Our agreement specifically stated that no reporting to credit bureaus would be used, and no reporting of payments or status of the account to any of the major reporting agencies. The company changed its receiving company XX/XX/XXXX, and there was an error in my payment history and amounts due. After I paid what was my correct balance, XXXX decided to break our agreement and place an erroneous balance on the Equifax report. I filed a dispute with Equifax XX/XX/XXXX, and this information was removed. Now I find out recently, that XXXX has placed this information back on Equifax as a revolving credit card. I never had a credit nor a revolving line of credit with this organization. All information about this account is erroneous and should not be reported per our original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX - XXXX ; COLORADO XXXX AND XXXX  - XXXX ; COLORADO XXXX AND XXXX - XXXX ; and XXXX XXXX  - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit card or prepaid card

I learned by email on XX/XX/XXXX from XXXX that my credit rating went down. I logged in to find that Bank of America had made a hard inquiry on my credit. I logged into my Bank of America account and found out that I had a new " XXXX XXXX  credit card that I did not apply for. I called to have it cancelled and my annual {$59.00} fee reimbursed *but* could not find out how the application was made more than that it was done " online '' ( not sure if that means with the BoA app, on their website, maybe on XXXX 's XXXX ). I did receive an email last night saying that my card was being sent to my home address. 

I want to know if Bank of America opened this credit card without my permission of if someone else did. After about XXXX hours on the phone with BoA, I now have to go through an entire process with the local police and with BoA, in order to learn what information was placed in the application for this card - and won't learn about it for at least another 30 days. 

In the meantime, I did place a security freeze on my credit information with the top XXXX credit bureaus. I also did check to see if the XXXX had any type of mail hold to ensure that nobody was waiting for the credit card that is supposed to be coming through the mail
Product: Vehicle loan or lease

The car was totaled in an accident back in XXXX. Credit acceptance was notified and they came out and saw the vehicle. The tow yard told me this NOT credit acceptance. This is my second complaint against them because they are still calling everyday! Sometimes 2 times a day I thought that when an investigation was going on they were not supposed to be calling? I am tired of credit acceptance calling. I can not pay them. I get XXXX a month! That is to pay my rent and eat and everything else. They want XXXX. So I cant pay them and eat too. I am beside my self here. I am about to be homeless. I have bigger things to worry about than if freakin credit acceptance gets paid right now. They didnt want the car back to try to obtain whatever Value they could from it. They left it at the tow yard. The 3 places I went to get a car loan was able to PRINT A SETTLEMENT LETTER OUT WITH MY CREDIT REPORT. Per the law this is harassment/offensive and embarrassing. Thats XXXX grand right there. They took a XXXX down payment from me. That is also illegal per the USC code. They have not recorded any of the payments I made correctly on my consumer report. They can see me in court where I will win. Considering XXXX other states are suing them for the obscene interest rates. They are collecting interest while trying to collect a Debt! You can not keep an open account while trying to settle your debt! This is illegal! I want this stopped! Every phone I have received is XXXX. So I will be counting up my paycheck from credit acceptance since they want to violate laws and think consumers have no rights. We are not so stupid after all! We have a community of us that are no longer afraid to stop this garbage!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I accidentally hit the " request a credit limit increase '' button on my account page. I immediately wrote a message stating it was accidental and I DID NOT authorize a credit inquiry. I received a response on the XXXX from the company stating they have received my message. On the XXXX I received a message with a letter in pdf form stating they pulled my credit history from XXXX. I wrote in writing that I specifically did not authorize a credit inquiry, received a response acknowledging they received my original message, but went ahead and pulled my credit history anyway. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a local car dealership in XXXX. Which to my guessing they pulled my credit report multiple different times. Including 15 individual hard inquiries. 

XXXXXXXX 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 or other personal consumer reports

Paid up my XXXX account but got missed payments for 2 years
Product: Debt collection

XX/XX/2020 {$200.00} The company reported the issue to the credit bureaus
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : XXXX : No. of Months ( terms ) is reported as XXXX, while XXXX and Experian report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while XXXX and Experian report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
XXXX and Experian : Date of Last Payment is reported as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, XXXX XXXX
Product: Debt collection

this company is reporting to credit companys with no legal right to do so, i have no contract or agreement to pay with this company or entity there of, i have attemted to contact this company numerous times to no end, they have refused to remove the account from my credit report while not proving they had any right to report in the first place. as for XXXX to whom the original debt was owed they have sold and closed the debt and my personal information to a 3rd party without my permission and closed the account and have not made any reports to my credit so there should be nothing on my credit in that regard. dates on my report by AFNI XXXX XXXX XXXX XXXX IL XXXX on date XX/XX/2017
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to bring to your attention an issue I encountered with Capital One, which has led to an unfair fee charge. 

On XX/XX/XXXX, I was charged a fee of {$39.00}, coinciding with the due date and payment date for my account. However, on the same date, I encountered technical difficulties with the Capital One app, preventing me from making the required payment online or via the mobile app. 

Despite my attempts to resolve the issue, including contacting Capital One at XXXX XXXX  on XX/XX/XXXX, I was informed by the representative that the system could not process or accept payments after XXXX XXXX. This was despite the fact that the due date was clearly stated as XX/XX/XXXX. I explained that I had made multiple unsuccessful attempts to submit payment before the cutoff time, but encountered persistent errors within the app. 

Subsequently, I contacted Capital One again on XX/XX/XXXX, only to be informed that the system was unable to reverse the fee. This is not an isolated incident ; it marks the second or third occasion where I have been penalized due to technical issues on Capital One 's end. 

I believe that this fee is unjust and request your assistance in resolving this matter. I kindly request that you investigate this issue and take appropriate action to rectify the situation. It is imperative that consumers are not unfairly penalized due to technical shortcomings beyond their control.
Product: Debt collection

I entered a consumer credit transaction with BARCLAYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that BARCLAYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. BARCLAYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit card or prepaid card

i a not mad at chase cant get thru sent a letter and emailed on my card ending XXXX there is a charge from XXXX  for something i did not get. i never received XXXX insists they sent it i never got it charge is for XXXX i believe i need it disputed and investigated please. asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled an old collection account XXXX # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed
Product: Debt collection

I received a Letter on XXXX from Dynamic Recovery Solutions requesting payment from " XXXX XXXX XXXX XXXX ''. I have never heard of this company nor had any type of college funding. I went to Dynamic 's website for more information, but there was none to be found. I am disputing this because I believe this is not not debt and this is a false claim. I recently received my credit report in an attempt to buy a house, and this was not listed on any credit bureaus. I want this company to be reported and make sure this does not go on my credit. I have attached the letter sent to me and also a screen shot from their website ( missing some of my information ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent a Method of Verification Letter on XXXX XXXX, 2021 by certified mail to XXXX, XXXX, Experian, XXXX XXXX and XXXX in order to verify such information that is being reported on my credit reports. They received the letters on XXXX XXXX, 2021 and XXXX XXXX2021. I received a letter from XXXX stating they received my letter and provided a break down of the investigation process on XXXX XXXX,2021 as a stall tactic. I received no response from any other bureau. I also have not received any investigation results from XXXX. It has been over 130 days since my receipt of my first letter sent to each bureau. I have also sent a second letter by mail on XXXX/XXXX/2021 as a follow up letter to each credit bureau.Consumers have the right to request a method of verification if they believe the item was not investigated properly. Also According to the FCRA Rules, FCRA 623 ( bX2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received no response XXXX after the receipt of my certified mail, one can assume that there was no investigation into the matter. I plan to purchase a home later this year and having this alleged bankruptcy on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original Method of Verification Letter. I contacted the courts and they stated they did not provide any information to the bureaus so how was this verified? This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Mortgage

Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$1600.00} XXXX for a regular payment due of {$1500.00} + an additional principal payment of {$86.00} XXXX, well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$1600.00} payment is noted as " {$1500.00} payment posted '', a {$67.00} late fee was charged, the additional principal of {$86.00} was not noted, and my account was charged for XXXX property inspection fees of {$15.00} and {$3.00}. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period, and why was I charged those XXXX property inspection fees? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$1600.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX