23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Failure to release vehicle from repossession. Westlake financial services and tow company XXXX XXXX are withholding my vehicle after receiving payment for past due balance. Both companies are blaming each other for not receiving release authorization forms. On recording, Westlake accused XX/XX/XXXXs for taking 48 hours for authorization versus 24 hours as previously stated on call recording. Per Texas Penal Code - PENAL 31.07. Unauthorized Use of a Vehicle this debt collection company and co conspirator are operating illegally under the texas law. I now stand at a monetary loss for multiple days handling this situation.
Product: Credit reporting or other personal consumer reports

Report Number XXXX Experian is in violation of FCRA Section It is illegal to report anything on my credit report without my permission. please remove accounts ( XXXX, XXXX, XXXX, XXXX ). Experian does not have my consent or permission to furnish anything on my report. 



Sec. XXXX. [ XXXX XXXX. XXXX ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( XXXX ) To an agency administering a State plan under section XXXX of title XXXX for use to set an initial or modified child support award.
Product: Vehicle loan or lease

Ally financial was repeatedly contacted with accounting audit request and validation. All requests were ignored. Negotiable instrument was received, never applied and never returned. Securities fraud was reported to IRS and transcripts received from IRS show no record ever filed by Ally. On XX/XX/2023 third party reposession company was hired by Ally, which is direct violation of fdcpa 15 USC 1692f.Ally shared private, non-public information with third party collection company and all three credit bureaus. Being reported for identity theft
Product: Checking or savings account

So Bank of America has been committing a whole heap of fraud to their own customers which they keep having to pay back in fees to all the consumer reporting companies. I just want my money back which has been taken and stolen from me since XXXXXXXX XXXX in the amount of XXXX. Worst bank of all time who preys on minorities specifically XXXXXXXX XXXX. They never gave me a proper reason as to why they stole my money or given any indication as to why they have done so. Will be posting this all over social media because this is ridiculous, theyve kept my money XXXX for 3 years.
Product: Credit card or prepaid card

On XX/XX/20, I was informed i could convert an existing XXXX credit card with Citibank to a Citi Diamond Preferred credit card. I asked the representative if the promotional balance transfer rate was going to be honored and was confirmed it would be. 

On XX/XX/20, i followed up with Citibank and informed the agent that I could not see a balance transfer offer online. The representative informed that the promotional rate is only available to new applicants not converted credit cards. I informed the representative that I was informed otherwise when I converted my XXXX credit card. The representative reviewed the online chat with the previous representative and I was informed that the promotional rate was going to be honored. I was informed that the promotional rate would be posted in 5-7 business days. 

On XX/XX/20, I followed up again with Citibank to inform them that i do not see the balance transfer offer. I was informed that it was not available to converted credit cards. It was elevated to a Senior Account Specialist and was informed that promotional rate is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending in several dispute letters via USPS certified mail to Equifax, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to Equifax in the past. All these documents have been sent directly to Equifax in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how Equifax is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly de
lete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

Received a collections discrepancy on my credit report from JEFFERSON CAPITAL SYSTEM ( original collector : XXXX ). As an individual my last purchase from XXXX  was around XXXX and was paid outright in cash. All my accounts with XXXX were closed and service was cancelled the same year due to poor service and switched to XXXX. XXXX XXXX I received a notification from my credit report app that a collection had been opened. I requested receipts of the transaction and disputed this with XXXX and JEFFERSON CAPITAL SYSTEM and no conclusion or determination has been reached so far. I would like to request that these collections be terminated due to the original creditors discrepancies and negligence.
Product: Credit card

I had to be rude with the woman as she was speaking to me like this situation was my fault. I do no appreciate the way I was talked to nor do I appreciate being told this was my fault. I am not the one whom did not verify information in the XXXX. I do not appreciate being charged for a credit card to be shipped as soon as possible when Im not the one that messed up. Im extremely frustrated as I should have a new credit card and Im being talked to like this is my fault and I have to wait 10 more business days.
Product: Credit reporting or other personal consumer reports

I was deceived in paying for other services and was told I would get a refund if I cancelled them. I was tricked to signing up for option products and the representative told me that I could get the loan unless I sign up for the services. They are also reporting reporting missed payments and when I have proof of payments.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681A2 I absolutely didnt give written permission to have those accounts furnished on my report. Ive also been in and out of jail which every time my social security, driver license gets stolen or loss. I promised myself after they let me go Im gon na start building credit to invest in a house but unfortunately someone has been using my credit, driver license
Product: Checking or savings account

It's been over 6 months I originally added {$250.00} to my XXXX XXXX from my wells Fargo card but then I. Got a email saying my XXXX  account was closed and never received my {$250.00} back to my original card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect credit reporting for 7 months now with Shellpoint mortgage, XXXX  and XXXX. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did Shellpoint mortgage ever service our loan. Shellpoint began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from shell point regarding this matter* Shellpoint should not even be on our credit report. XXXX  and XXXX  are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from shell point showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,
Product: Debt collection

I made a written request to stop receiving phone calls, but they are still trying to harass me over the phone for a payment.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit card

Hello, I want to file the complaint against the credit card company CAPITAL ONE. 
I have account # XXXX XXXX XXXX XXXX exp XX/XX/XXXX XXXX XXXX of XXXX XXXX and business name is XXXX XXXX. 
On the XXXX statement account had a due payment of XXXX and on the XX/XX/XXXX an auto pay was sent, and I have accidently paid extra payment of XXXX. So, two payments of XXXX ( XXXX have been deposited to my account ) I have also paid the full amount of the owed money to the account. I called to get my refund of extra payment for XXXX and they have told me to call 10 days later, and they will issue the check. 
I have found out that I owe XXXX and I called, and it turns out they were withholding information about the interest for the month. I have paid and on the XX/XX/XXXX this account has had XXXX balance. Credit card company has had enough money to cover any minor interest charges. ( the statement does not show XXXX payments of XXXX, they have moved XXXX payment to XXXX, so the statement is incorrect. ) They have not mentioned any extra interest to me, the person I spoke to stated we are issuing you a check on XXXX, a month later I had a charge and late fee. I am requesting for you to AUDIT this account and this company. 
as they have clearly done unfair business practices. 

Capital one should not have issued the full check to me if I owe any minor funds. This account has been paid in full, and it is always a change of some charges, if they do occur, they should have informed the client right away. ( on the phone since I had to call XXXX weeks later to get my check back and they should have seen any additional due amount. ) thanks, XXXX XXXX
Product: Debt collection

My roommate informed me that a processed stopped by to served me papers in which I am out of state going through XXXX. I took a medical leave of absence from work and its a 90 % possible chance I wont be going back due to my illness. The way they beat if the apt door was rude and distasteful. Brookwood loans never sent anything in the mail after I contacted them via phone and email. They wouldnt even update my address they were just plain out nasty. I will be filing a complaint with the State of Georgia about their rip off high interest rate fees. I have paid these paid over {$1300.00} and my balance has not moved I actually owe more than the original loan amount. I am focused on my XXXX instead of dealing with these dishonest people. My doctor told me to focus on my treatments and not to worry about them if I do he said I will end up sicker stressing out over a loan I cant control currently. I was paying the loan on time when I did have money. I had to pay out of pocket medical expenses and it left me with enough money barely to eat. I had multiple XXXX for XXXX XXXX and now under going XXXX. There is nothing I can do I am literally almost homeless. I had to have some move in a one bedroom apt with me so I wont be in the street. I am not sure if Im going to be here to or tomorrow. I have XXXX because of the XXXX and have to wear XXXX in order to walk. I am really having a rough time and these people just driving my roommate crazy beating in the door. I can only pay {$20.00} a month .I dont have a problem showing the judge my expenses for medication and treatment. asked my roommate to accept the papers being served and he refused because he stated he wants no parts. Im in a different state receiving XXXX treatments. Just please stop harassing my roommate by beating on the door. Is if possible for you all to email the papers youre trying to serve it may be pointless if the court date is in the next 60 days I be here getting XXXX roughly 3 months and still unsure if its going to work. I may XXXX in three ( 3 ) months who knows. I just pray everyday and thank God I am still breathing. I never tried not to pay or skip out life happens and mine was XXXX. You can see I care I paid on a loan for over a year with no issues. I cant control what life throws at me.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired fromTransUnion, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting

In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I entered into an agreement with XXXX online for a line of credit. I have been a customer since. Each month I receive a statement that details informaiton on the current amount due, minimum payment, interest owed, and grace period. The statements list the amount that must be paid by the due date in order to avoid paying the interest for that period. The grace period date has been included on every statement since XX/XX/2018. However, when I looked at the current statement I noticed that it was missing the grace period. I called the customer service department and spoke with a representative named XXXX, who stated she was at the corporate office in customer care. I asked XXXX why the grace period information was no longer on the statement and she stated " we removed the grace period information from the statement because consumers were getting confused. '' I said that sounded to me like predatory lending and more of a way for consumers to not know what the grace period is, so the company can rack up interest fees. XXXX then placed me on hold and stated she would speak with a supervisor. Once she returned she stated the supervisor told her that " they do not have to list the grace period on the statement, by law they only have to list it in the agreement. '' We then read the agreement together, that is signed by both myself and a company representative XXXX XXXX. On page two of the eight page agreement it states " Grace Period. If you pay the Total Outstanding Balance ( i.e. previous balance plus new cash advances minus payments and credits ) in full before the end of the grace period as designated on your periodic billing statement, then no interest will be imposed for that billing cycle. '' I asked XXXX to explain to me again why the grace period was removed. She again stated that it was because of " consumers being confused about the due dates. '' I then asked her to read to me the statement in the executed agreement regarding the grace period, which she did. Then I asked for the legal department, because they could not change the terms of our agreement without sending me an amendment. XXXX then stated that " at a monthly meeting '' she was told " by management '' that " the agreement you signed is tied to accepting the loan and we do not have to show the grace period on the statement. Also, on the executed agreement is a clause on page three that states " Amendments. You agree that we may change any of the terms of this Agreement, including the amount and method of computing the Periodic Interest Rate, at any time. We will provide you with 45 days prior notice of such changes as and when required by law. If we notify you of changes to this Agreement and you do not agree with these changes, you must notify us of your decision to opt-out of the changes in writing within 45 days of the date we give you notice of the changes. If you opt-out, we will automatically close your Account, and you can then repay any remaining balance over time pursuant to this Agreement. '' I was not notified in writing of any changes or given an opportunity to opt out.
Product: Debt collection

Re : Dispute of Reinserted Account Request for Immediate Removal Dear Equifax I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed.

Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

The company is adding inters that I never agreed with. The amount is not the amount owed.