23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My car loan company, Consumer Portfolio Services , Inc. ( CPS ) has done the following : 1. Misrepresented fees that I owed in collection calls, monthly statements, and pay-off notices, and with companies that I gave authorization to contact them regarding refinancing 2. Made unsubstantiated claims about the about that I owed and continually say that fees will be waived that are then added back to my account 3. Improperly assess and collected fees and other amounts because of mistakes that are made by their employees and then attempting to make me prove that the conversation happened rather than checking supposed notes on the account 4. Continues to increase principal balances with an outrageous accrued interest rate of 21.45 %. 
5. Failed to disclose financial effects on loan extensions, except for a late fee, not letting me know that there was also a daily fee that was being charged because of the interest 6. Misrepresented particular payment methods and requiring service fees, and posting payments that are mailed in as late despite a contract grade period 7. Contacting me during my XXXX work day and when I am unable to answer because I am at work, contacting third parties from a list of contacts that I gave to the dealer that I bought the car from and disclosing to them existence of debts and delinquencies in an effort to force me to return their call during work hours 8. Calling and texting repeatedly to harass during work hours and even after an extension has been granted 9. Continually threaten car repossession because excessive fees 10. Deceptively manipulating Caller ID to have me answer the phone during my work day 11. Out of 9 months of payment ( totaling {$3100.00} ), only {$500.00} has gone toward the principle of the loan. By the end of this loan, at this rate, I will have paid over {$28000.00} in interest on a original contract loan of XXXX. 
12. I asked for a pay-off amount so that I can refinance the loan and the pay-off amount was more than the original contract of the loan ( pay-off amount {$15000.00} ) and the reason that I was given if because my 21.45 % interest rate is accrued daily. 
This can not be a fair agreement and none of these terms were disclosed to me at the time that I contracted the loan on this car. Maybe that was because I never actually talked with anyone from CPS until after I had signed the loan contract with the dealer. The dealer, as a representative of CPS on her lot, did not disclose any of this information with me. They did not give me another option for a different lender because I believe that this lender is giving them kickbacks for stirring people their way. This company was sanction in XXXX 2014 by the Federal Trade Commission for these same type of practices in California. In that judgment, it was determine that the law surrounding loan servicers is very clear. They can not charge consumers more than they owe with inflated fees and interest rates. And they can not threaten and harass consumers about delinquent debts, especially after extension have been granted by representatives in their company.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian Regarding Failure to Process Dispute Submission Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for its failure to properly handle my credit report dispute regarding the XXXX account ( Account Number : XXXX .... ) that is inaccurately reported on my credit file. This ongoing issue has not been resolved despite my attempts to rectify the matter. 

Background : I had initially submitted a dispute regarding the XXXX account, which was reflected as Account paid in full for less than full balance on my credit report. I received an update from Experian indicating that the account remains on my credit file with the statement Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This status remains inaccurate and misleading as I have settled the account, and it no longer appears on my XXXX or XXXX credit reports. 

Current Issue : When attempting to follow up on this dispute via Experians online dispute portal, I received the following error message : " Disputes submission failed! Looks like you've already filed a dispute for this item. Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can contact us at XX/XX/XXXXor contact your data furnisher for more info on how to move forward. '' This message is preventing me from submitting a follow-up dispute, even though I am providing additional relevant information, such as the fact that this account no longer appears on my XXXX or XXXX reports XXXX reinforcing the inaccuracy of Experians continued reporting of this item. My submission contains new information, yet Experian refuses to process it and blocks my ability to correct this error. 
Violations of the FCRA : Experians refusal to process my dispute submission constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that credit reporting agencies reinvestigate disputed information if the consumer provides new, relevant information. The blocking of my dispute without fair consideration of the new data I provided violates this right and leaves me unable to correct inaccurate information.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian is required to delete or correct any unverifiable or inaccurate information, which has not been done in my case. By denying my ability to follow up with additional information, they are denying me the chance to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling spoke to several reps, XX/XX/XXXX, XXXX certified mail and get no response other then a standard auto reply! It wasnt a SIGNATURE showing I requested the inquiries on my TransUnion report. Please remove the following inquiries, XXXX XXXX reported 3 times XXXX of XXXX XXXX XXXX reported 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 5 times Am rent reported 2 times XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX and XXXX  have deleted ALL inquires!. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this nal goodwill gesture to allow you to correct your erroneous reporting.
Product: Credit reporting or other personal consumer reports

This is extremely frustrating, I found unauthorized transactions/accounts being done under my name. I never benefitted from these items that have resulted from fraud being reported on my credit report. These have been already reported to FTC but they still appear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to LexisNexis about a bankruptcy that appears on my consumer profile and on my credit report. On XXXX occasion they told me that they verify their information with the courthouse and on another occasion they said they verified with XXXX. I have sent written proof that this is inaccurate reporting and requested that the bankruptcy be removed but it still remains as of XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature 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 Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter
Product: Debt collection

Beginning on XX/XX/XXXX my wife started receiving calls from a debt collector looking for me. They left a voicemail that said that I was going to be served papers in an hour and that they will find me.

On XX/XX/XXXX the calls were repeated and stressed that if I did not call them it would count as a missed court appearance. They are calling all day threatening to serve me papers and being held in contempt of court if I don't communicate with them.

The calls have continued as of today XX/XX/XXXX with the same threats.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} 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: Debt collection

I XXXX XXXX Contacted Credit Collection Bureau to settle a debt of {$400.00}. I politely spoke to a individual name XXXX concerning the account number XXXX-a credit account number XXXX. I wanted to negotiate an amount to close this account and do the right thing by paying this financial responsibility within reason. We spoke on a Friday and had inform her that I would call the following week. I then received a phone called from a person named XXXX XXXX who called from a company name United Legal Group. First and foremost i never gave this company permission to call the number that was contacted. This person who I assume is a male was very unprofessional he told me that this account was escalated to his department and I now owe an amount that I had never been made aware of. This amount was some odd thousands of dollars. He spoke to me about his religion and that he was fasting. He began to tell that god XXXX needs this money. He said God does this work i need to pay him ( God ). At one point we had agreed to settle this debt he would ask his supervisor if the amount I would offer would be an ok. He then claims to be a manager. I then decided to end the call after all the unnecessary statements that was made by this person. He also threaten me that he would put this negative remark on my credit. I asked this person to not contact me and I stated that I never Gave Him permission. I then received other harassing phone calls from others at this United Legal Group. Im writing this information to be protected in some way.
Product: Credit reporting or other personal consumer reports

There is an issue with my credit report. I have tried several times to have erroneous information removed. I disputed these accounts with the credit reporting agencies. They responded back to me and said it was verified with U.S. BK courts and XXXX XXXX. I requested information from them and they informed that the information unverifiable and should be deleted. I am enclosing a documentation to support the removal of all XXXX XXXX BK 's on my credit report. I am enclosing the proper documentation. 

-XXXX  XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX  XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX XXXX BK case # XXXX -XXXX  XXXX BK case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Student loan

I having been going back and forth with HESAA - NJCLASS students loan since XX/XX/XXXX. I graduated in XX/XX/XXXX and as soon as they received notice of my graduation they began sending me bills I believe in XX/XX/XXXX. I did not get a recent grad deferment or any assistance from them. So, I called to see what my options were and I let them I was not working at the time. Well they basically told me there was nothing I could do so my loan when into default because I could not make any payments. I have a daughter I am raising alone and I just recently started working so, I can not afford any wage garnishments. So, I called them today XX/XX/XXXX, and told them I wanted to make a payment Friday but i wanted to know what would get my loan out of default. I was told to either pay {$700.00} front or just get my wages garnished because they can not do anything for me. They were not trying to help me at all and they were so rude and unprofessional. Any student looking for a loan please do not chose this one because they are rude and unhelpful even to those who are willing to pay for their loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two debts collectorXXXX ... XXXX XXXX & XXXX appearing on my credit file.I have never been involved with ANY of the businesses with whom theyre representing.This unfair and ill-waranted activity is causing extreme harm to my credibility as a consumer.I have reached out to all relevant individuals with no success.I appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with First Progress Card via the consumer reporting agencies on XX/XX/XXXX. The information came back verified and updated. Recently I have pulled my consumer report and noticed that First Progress Card has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX with a closing date of XX/XX/XXXX. First Progress Card has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead First Progress Card charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to me and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. I have reasonable cause to believe that the information furnished by First Progress Card is inaccurate. I also have reason to believe First Progress Card is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I have reason to believe that First Progress Card is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). I am also aware that if First Progress Card has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ). Please be advised that my consumer report must be equitable to me at all times.
Product: Credit card or prepaid card

Seeking assistance to help facilitate a resolution with Chase Bank in regard to my recently applied for, approved XXXX XXXX. 

Prior to submitting request for assistance, tried numerous times ( over 10 calls ) with Chase Customer Service ( XXXX ). Was unable to secure the correct level to assist, support and make a decision. 

In short, this card was applied for to add to our CHASE portfolio of products and services because of the promotional offer of XXXX points. 

The promotion was not only screenshot but prior to applying, I contacted CHASE to confirm the promotion and if I was able to apply through the CHASE portal directly. I was not only assured of the current promotion of XXXX but also advised I could continue with the link by logging into our CHASE account. 

To further confirm and validate my due diligence, when the card came, there was no other information about the benefits, promotions, etc. I called immediately upon receipt to confirm of same and once again was told the promotion was XXXX. 

Within the first billing cycle we complied with the terms and conditions. I called to inquire as to when the points would come over and was told that it could take 6-8 weeks or two billing cycles. On that call, I again inquired about what would be sent over and they reviewed via a word track, all of the card benefits and conditions and validated the XXXX bonus points. 

This past week, I was notified by XXXX that we had a " benefit '' from CHASE. Upon logging in, it was a digital flight credit - one time use, up to XXXX points. I inquired and was advised it was from Chase. 

I called CHASE once again and was told that they was the promotional benefit. Despite me endless calls, documentation and confirmation I was advised that was the promotion and I could send in an email if I would like to for review. 

This has caused me a great deal of aggravation and stress. We only applied for this card because of the advertised and confirmed promotion from the service center. 

We have been long time and loyal CHASE customers and I am hoping someone at CHASE can look into this as well as the poor customer service received when I needed them.
Product: Credit card or prepaid card

I signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. 

I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). 

I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. 

XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.
Product: Checking or savings account

XX/XX/XXXX i attempted to deposit my daughters tax check into my Hutington bank account and they put a hold on said check my daughter signed the check over to me for rent and to help her out while she is in XXXX XXXX. i didnt think much of it and deposited other checks without a problem and gave my daughter some money from said other checks a woman that i know was moving and needed allot of help with a storage unit and packing and delivering her things we agreed on XXXX dollars and she gave me a cashiers check which I done research and found its almost guaranteed money so i excepted it and put it in my account as well on XX/XX/XXXX and to this day Hutington has a hold on both these checks they want me to get my friend that no longer lives around here and drive 6 hours to there bank and it can not be done i not only lost contact with her and my daughter is also still in XXXX.. i can see they excepted my checks in my account and even gave me interest that has occurred from my checks please help me get this resolved either have them release the checks so i can cash them elsewhere or give me my money i work hard for my money and just want to spend it thank you for any advice
Product: Student loan

While attending the XXXX XXXX XXXX XXXX XXXX the school set up meetings for the students with a loan advisor with XXXX XXXX. The meetings happened on campus in a school provided meeting room under the guise that the loan advisor was going to help the borrower. Rather than helping me the loan advisor consolidated all of my loans which had a rate of 2.875 % into two new loans at 4.875 %. Some of my loans would also have been forgivable. When I was unable to pay XXXX XXXX they put my loans into forbearance for years and they continued to accumulate interest. I was mislead by XXXX XXXX and would like my loans reverted back to their original status.