23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a car loan through XXXX XXXX in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a XXXX  complaint against Capital One for reporting adverse credit file information to all three bureaus related to an account that was not mine. I also contacted them multiple times at their Complaints Email address. They never responded at any point directly to my complaint. They did, however, remove the account that was not mine when I challenged the ownership of the account through all three bureaus. So the original issue has been resolved. However, do to the bizarre nature Capital One 's response to my complaints, there are new issues. First, they began to report new false information. Each of my Capital One accounts including my auto loan are now reporting " Customer Disputes. '' That is 100 % false. I never disputed those accounts. I only disputed an account that was not mine, which is now gone. Also, they deleted my auto loan from my XXXX credit report. That mistake needs to be corrected. I never disputed that auto loan, and I never asked for it to be removed from my report. My accounts with Capital One have a flawless payment history and responsible use. I expect this positive information to be reported, and there is no valid reason to have dispute status on my accounts when they were never disputed. Lastly, Capital One needs to stop sending me pieces of mail that make no sense. I have gotten several letters from them since my original dispute that say, " Sorry, but a careful review of your account shows it is not eligible for Service Members Civil Relief Act. '' Wow. Totally irrelevant. I sure wish they would have humans instead of computers handling these situations, because they keep making this same XXXX. I also got a piece of mail saying they are trying to contact me about my auto loan account based on my inquiry, I made no such inquiry. My auto loan has a perfect payment history, and there was no dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$16000.00} and was financed through ALLY Financial. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP insurance that is through XXXX XXXX XXXX XXXX was contacted ( XXXX XXXX XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. Ally Financial keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. Ally Financial is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus
Product: Vehicle loan or lease

I purchased a car with XXXX in XXXX and Santander Consumer USA financed it. I didn't know the interest rate was 18 % but since day one most of my payments have gone towards interest instead of principle. On my credit report they have 80 payments at {$490.00}, on my paperwork from them it's a 6 year loan. There is no way I would sign to pay {$40000.00} for a {$20000.00} car. My paperwork states 72 payments and I have made double payments whereas they overcharged in interest and miscellaneous fees. The finance charge was {$14000.00} and after reviewing my payments I have paid above and beyond that. I have never been late and I even doubled payments. I really need this matter investigated because I am joining the class action lawsuit against this company and will also file a complaint with the Federal Trade Commission. After paying on this car a XXXX XXXX XXXX XXXX XXXX  they still say I owe {$12000.00}, how is this even possible, so for the last 5 years paying {$490.00} even doubling payments, that's called robbing a person of there Freedom. I wouldn't recommend this finance company to anyone, its a shame how they are making a person pay double the amount for a car. Please help me, because I asked a XXXX XXXX where my niece works and they advised me there is no way I owe the amount they are stating.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a credit card I rarely used, last time I used it was XX/XX/year> and I maintained a zero balance. I noticed activity on the card XX/XX/year>. Two charges were made that I did not make. 1 ). XX/XX/year>. Balance Transfer for Acct XXXX  ... amount of charge {$51.00} 2 ). XX/XX/year>. XXXX XXXX XXXX XXXX XXXX ... amount of charge XXXX I was not able to access my statement within the bank App for CERULEAN  mastercard issued from Continental Finance - XXXX  XXXX XXXX. I was not able to login to the account online as well to see the statement. All I could see were that charges were made and I had a balance due. I could not open up the charges to get more information. 
I immediately called the bank when I noticed the charges on XX/XX/year>. I do not understand the one Balance Transfer charge that has the date XX/XX/year> because it was the XXXX when I was made aware and I called to report the fraudulent activity. 

Upon calling the fraud department I was told they would send me a new card but that they could not do anything about the charges because I still had the card and could not prove fraud. I did not make the charges and should not have to pay for something I did not charge. No one else has access to this or any of my accounts.
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX phone XXXX was the motel I rented a room for my son XXXX for 10 days at {$60.00} a night. They also were given {$50.00} in cash as a security deposit on XXXX/XXXX/XXXX. The merchant # was XXXX and store # XXXX. This was charged by me on my Discover Card XXXX on the same day. 

3-4 days later the owner evicted my son, since a visitor has come to his door, unbe knowings to my son of his visit. He verbally harassed my son to leave and we were never told there were no visitors allowed. I had to secure transportation to another hotel. The owner of the hotel would not give him any funds back. I also sent a letter with XXXX drivers license in the letter to the hotel, which they have never given this back to my son nor returned to me in the mail. 

I have spoken to Discover and the motel several times to delete the entire charges on my account. They want documentation, which did not happen since it was verbal abusive behavior. Discover has before refunded it and then adds it back on my checking account, which is now frozen. My mail is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and discover is XXXX XXXX XXXX, XXXX XXXX Oh XXXX. Thanks, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion and XXXX  regarding an account that is inaccurately reporting on my report, This account is paid in full and Ive requested for the account to be removed or remove the over two year old history which is within my FCRA rights and remove the status showing as 30 day late. 

I have received no response from either company.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark is a source of immense worry for me, as I fear its detrimental impact on my credit standing. It has already adversely affected me by leading to the rejection of a recent loan application, as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial burden and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian Credit Bureau, on XXXX XXXX and XXXX XXXX regarding late payments on a XXXX XXXX XXXX XXXX account ( XXXX ) opened in XXXX. Experian has updated the late payment from XXXX of XXXX to XXXX of XXXX. Experian has violated my rights, updating an account without providing any documentation. Please delete late payments on this account.
Product: Credit card or prepaid card

On XX/XX/2023 the merchant XXXX issued me refunds in the amounts of {$42.00}, {$6.00}, {$11.00}, {$40.00}, {$15.00}, {$46.00}, {$41.00}, {$42.00}, {$11.00}, {$38.00}, {$12.00}, {$10.00}, {$46.00}, {$41.00}, {$15.00}, {$33.00} totaling {$460.00} back to the card that was fraudulently charged to card ending in XXXX. XXXX emailed me and told me that they attempted to process the refunds but the financial institution ( Cash App ) declined/rejected the refunds. I reached to cash app multiple times after speaking with XXXX  and then advising me that I needed to reach out to the card issuer about why they rejected/declined the refunds. I have done that multiple times and either Im given some bogus excuse from cash app or Im recieved replies back about something not even involving these refunds. I have provided cash app screenshots of the correspondence from XXXX yet Cash App is trying to place the blame on XXXX the merchant instead of researching and resolving my refunds being posted back to my account so that I can cash out. It seems as if Cash App has received my funds from XXXX and is fraudulently trying to keep them instead of posting them back to my account. XXXX has assured me multiple times that they have attempted to issue the refunds back but the card issuer keeps rejecting the refunds back to my account that XXXX is sending over willingly. No dispute claim or any of that is involved in this matter. This is a refund solely from the merchant. That Cash App is refusing to post to my account. Cash App customer service seems like its all being ran by AI because the repetitive irrelevant responses I receive are so far off from my issue or always end with no type of resolution but all automated responses. At this point XXXX cant help but to assume that Cash App has stolen my funds that XXXX refunded me because they have not posted to my account as of yet. XXXX XXXX is the agent for service of process for Cash App and if need be I will take cash app to small claims court if this matter isnt resolved within a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Overland Bond back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX   and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and seen LVNV FFUNDING LLC reporting

2 collections on my credit report one for {$750.00} an another one for {$2000.00}. I dont know this company or never did business with this company. This company doesnt have any contract or written signature of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my student loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via Experian, XXXX, & XXXX  and each one is " unable to complete my request '' online
Product: Money transfer, virtual currency, or money service

Money was transferred out my account, there were many unauthorized transactions. I tried to call customer support no one was available
Product: Checking or savings account

Opened an account on XXXX and by XX/XX/21 over {$20000.00} was drained from my account. no one called me or put fraud alert that two companies had emptied my account. Finally got a call from XXXX in XXXX XXXX, who began asking me questions. I have been undergoing ID theft since XXXX and quite honestly, I was on another call before she called, and I don't recall what she asked or how I responded. I called back several days later to XXXX and she said I had answered a security question wrongly and my account was frozen, and my money would not be returned. I received an UNLOCKED DEBIT card two weeks after opening the accounts and the thief had already emptied by account of over {$20000.00}. Over a period of less than one week, i had attempted 13 calls for a total of nearly 10 hours on hold. Outwaited, your hold system and got XXXX and her supervisor XXXX, and once again, the money was refused and I asked for his supervisor, who was unavailable but promised a return call after lunch. NO CALL. I then contacted XXXX XXXX for assistance. She was out but left in her message another contact. I contacted XXXX and she promised help, but no one called. The bank has XXXX XXXX of mine and refuses to return it over a misunderstood or confusing SURPRISE CALL from and underling. In total, I have called commerce 13 times, spoken to 16 people, experience three bad transfers resulting in a hang up. Today 's phone hold time was 1 hours and 10 minutes, only to be disconnected. In total, my phone time has been just short of 10 hours over a week and a half. On my attorneys advice, I have contacted the XXXX police, Postal Inspector, FBI and the FTC. This is culminating in undue hardship and destroying a credit rating which was 820! I have locked all credit bureau on legal advice. Reiterating, two weeks after opening these accounts, a debit card finally arrived and was unlocked. {$20000.00} + was taken from my accounts without a warning from the bank after alerts had been set. Mine accounts are now unlocked due to my inability to enter my accounts. Should the thieves want more, I guess it is available to them but not me. Since then, I have left messages for a bank Officer and many other calls to Security. None have been returned.
Product: Credit card or prepaid card

I have had repeated issues with Comenity Bank over my Ann Taylor credit card. I pay my bills through the mail, and have been regularly charged late fees and interest due to the time Comenity takes to process a check. In XXXX I mailed a check to Comenity on XX/XX/XXXX ; it cleared my bank on XX/XX/XXXX and as a result I was charged a {$30.00} late fee as the bill was due XX/XX/XXXX. All other checks I mailed on the same date cleared our bank on XX/XX/XXXX. After complaining to Comenity they waived the fee. The problem is this keeps happening. The same thing happened in XXXX ; the check was mailed XX/XX/XXXX and by XX/XX/XXXX still had not cleared. To avoid another late fee I paid the minimum due on XX/XX/XXXX. As of today, XX/XX/XXXX the check, which paid the bill in full, has still not cleared. Again, every other check I mailed on the same date, cleared our bank in under 10 days. In the meantime, Comenity is charging me interest on my account. 

My husband has two other credit cards held by Comenity with which he has had the same issues. Again, no other billed we paid by check did not clear in time.

I have found Comenity to be extremely difficult to deal with every time I called. I finally got the late fee waived after demanding to speak to a manager.

I would greatly appreciate your agency looking into this issue. People can not be punished for paying bills by mail!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very clear that Experian and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding, LLC, filed suit against me twice, claiming to have acquired the debt but offered no proof of it. The original contract was not attached in either case. The chain of custody of the debt was not established in either case. I have attached the answers we filed plus an additional pleading evidencing their bad faith in their filings in court.
Product: Debt collection

I am on my XXXX and trying to establish credit so I can eventually get a home for my family. Unfortunately I just started to learn about collections and negative remarks effect. 
I have two medical bills from XXXX XXXX that went into collection via a company of XXXX XXXX XXXX. I have not received much information from it and now I see a balance of {$1000.00} and {$65.00}. I am currently facing some financial hardships and this negative remark is adding a toll. I really need some reconsideration to get ahead some how.
Product: Debt collection

XXXX XXXX XXXX has been sending me collection letters saying that I owe them a debt for Synchrony Bank. I've already disputed the account with the credit bureau. The only response I get from XXXX XXXX XXXX is a letter saying " We are uncertain of what you are specifically disputing ''. The certified that I've sent to the bureaus SPECIFICALLY state that I am disputing this account because it is NOT MINE. They are also reporting an address that I have never lived at. This company has done a poor job of handling this dispute. 

They sent me two letters saying that I owe {$410.00} for Synchrony bank and {$1000.00} to the same bank. I've never had a credit or bank account with them. 

I've attached the letters that they've sent me.
Product: Credit card

Affirm Is engaging in fraud, theft and dishonesty. Affirm informed me that they contacted XXXX, and the store informed them that I made three purchases ; but affirm will not provide the order numbers for the purchases because they are being dishonest. 
I contacted XXXX on XX/XX/XXXX, because I knew they did not tell Affirm that I used Affirms virtual card and made three purchases. XXXX is a very reputable company, and they would not lie for Affirm. 
I made two purchases using card number XXXX XXXX XXXX XXXX. The following is the purchases, dates and order : XX/XX/XXXX, Order number XXXX XX/XX/XXXX, Order number XXXX The following is the details of those purchases : XX/XX/XXXX, Order number XXXX in the amount of {$720.00} which was returned ( attachment 1 ) and the following is the return receipt that I received from XXXX on XX/XX/XXXX : Return date XX/XX/XXXX, Return Order number XXXX ( attachment 2 ) The second purchase was made on : XX/XX/XXXX, Order number XXXX in the amount of {$670.00} for the range And {$290.00} for the microwave for a total amount of {$960.00}. 
Affirm Is engaging in FRAUD, THEFT AND DISHONESTY. When I made the first purchase on XX/XX/XXXX, I contacted Affirm and told them that I returned the purchase. The representative told me that I had to wait until the purchase was placed back on the card by XXXX before I could use the card again. XXXX return the money on XX/XX/XXXX, and I purchased XXXX number XXXX which was the range and the microwave and it only cost {$960.00} for both items. XXXX provided me with the return receipt ( attachment 2 ) and I want credit for my money. Affirm is trying to steal money from me because I do not owe them any money. Affirm overcharged me on interest for the items that I purchased. The interest should have only been on the amount of {$970.00}. Also, I should have been credited {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurate information to XXXX, XXXX, and Transunion about an institutional loan that I had with them. The loan was consolidated in XXXX with all of my federal loans. After consolidation, the loans went into period of forebearance and deferment where no payments were due. However, despite this, XXXX continued to report my loans late, resulting in delinquencies and negative credit reporting. The last delinquency was reported in XXXX. I have disputed this trade line with each of the credit reporting bureaus mentioned above but they simply respond back validating the data. I am requesting that this trade line be deleted from each of credit reports.