23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Purchased fridgerator and stove on XX/XX/XXXX and was told it would be a lease to own product using whynotleaseit. Cash price was {$1800.00} and contract stated we would only pay a total of {$1500.00} per the sales price. Contract states wed pay an initial amount of XXXX, and then next pay of XXXX due on XX/XX/XXXX followed by XXXX payments of XXXX to complete a XXXX period term. We paid the initial payment of XXXX on XX/XX/XXXX and then made XXXX additional payments of XXXX with the final payment on XX/XX/XXXX for a total of XXXX, not {$1500.00}. Contract states we should not have paid past XX/XX/XXXX but that is not correct as it would have only equaled {$1400.00}. At this point we are under the impression we own the product since we have fulfilled all payments and then some. However, it then states on their website in order to own we have to pay an additional {$910.00}. If I have to pay the additional {$910.00} I would have paid a total of {$2600.00} to own a product with a cash price of {$1800.00}. That is almost a 40 % markup. This company is deceiving their customers into thinking they are renting to own, creating confusing and incorrect contracts, and are charging customers additional fees after payments have been made in full.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 14 days since I mailed the request. XXXX has failed to provide me with information for validation and TD said It will be removed and is still affecting my credit because ids not removed. 
XXXX. XXXX XXXX XXXX Debt Buyer Collection Account {$620.00} = XX/XX/XXXX. 
XXXX. TD BANK Paid Closed Account {$0.00} = XX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Bank will not let me change my address and phone number. I have attempted to change it on the web sites and it won't work. I have been on the phone with them for hours and they won't change it. 

They gave me a website to go to to verify my information ( XXXX ) and it won't work. I wasted 2 hours trying to get it to work and shot 60 videos to upload ( did not work ). 

The manager told me my emails were no good, my telephone numbers were no good and that I had to send in copies of a state id, passport, social security card, a local bill etc. 

Then the manager said my address was not listed in the three credit bureau files ( a lie ). I have copies from all three credit bureau files and the address has been changed since XX/XX/2018. 

I have never had such a difficult and aggravating time changing an address as this company has made it. I have on three occasions  attempted to change the address and phone number only to be denied the right to do so. This is unacceptable and unprofessional.
Product: Debt collection

On Saturday, XXXX, I received a noticed from a law firm stating that they were representing a former employer of mine also stating that I owed this former employer a certain amount of money. As of today 's date, XXXX, I have never received any information concerning this or any other money matter, concerning me owing this company monies. Their recruiting team has reached out to me about coming back to work for them as a XXXX XXXX XXXX  and I have responded that I would be interested in a return position with this company. This comes as a very huge surprise to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigaie my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I lived in XXXX XXXX for 2 years. I left there inXX/XX/2018 when my lease was up. I had {$0.00} balance when I left. I recieved no letters or phone calls from them since I left. I recieved 0 notifications a debt was going into collections. I never recieved anything that said I could dispute a debt. I only found out through my XXXX XXXX account and did research on my own thereafter. I would like to get to the bottom of this and come up with a solution. Thank you.
Product: Debt collection

I want to report identify fraud as, Consumer Adjustment Company Incorporated, reported an incorrect debt on me. 
The account number is XXXX and amount of {$950.00}. 
The debt was placed on my credit report on XXXX XXXX XXXX 
I was told the loan was taken out in XXXX 
I do not take out any loan and this information is incorrect. I dispute these charge. 
I called Consumer Adjustment Company Incorporated today on XX/XX/XXXX and they told Id have to file complaint with you all, FTC, to get issues resolved. 
I spoke with XXXX XXXX, Collections Manager.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 my 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 XXXX 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. 

XXXX XXXX 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

In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years. 

Knowingly reported incorrect information to the credit agencies. 

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Credit card or prepaid card

Chase Sapphire credit card provides car rental insurance benefit for damages which is handled by XXXX XXXX. I had a XXXX euro damage charged when my rental car was damaged on XX/XX/2022. Despite following the required procedures and submitting all the necessary documentation, my claim, relating to damages sustained to a rental car has been in pending state since XX/XX/2022 without any resolution. 

Initially, my claim was outright denied, only to be re-instated after I lodged a complaint. However, even after reinstatement, the claim has been subjected to extensive delays and numerous requests for additional documentation. The most recent communication from XXXX demanded proof of the car 's return, specifically requesting " the final bill. '' Unfortunately, due to the damaged state of the vehicle, it was towed away, and I was unable to obtain the final sign-off documentation. 

In lieu of the final bill, I provided a comprehensive letter from the rental company, which clearly outlined the rental agreement bearing my name, detailed the extent of the damage, and confirmed that the necessary repairs had been carried out. Additionally, I furnished proof that the rental charges were charged to my Chase credit card, substantiating my eligibility for the insurance claim. 

Regrettably, my experiences thus far lead me to believe that XXXX and Chase are deliberately prolonging the resolution process by incessantly demanding further documentation, perhaps in the hope that I will eventually abandon my claim. This sentiment is further reinforced by the numerous similar complaints documented against XXXX, which can be found at the following sources : The Points Guy : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Considering the evidence I have provided and the considerable delay in reaching a resolution, I kindly request your immediate attention to this matter. I insist on a thorough review of my claim and a prompt resolution in accordance with the terms and conditions outlined by Chase Sapphire 's car rental insurance benefit.
Product: Debt collection

I received a text message from XXXX stating they have business of mine in their office. They instructed me to go to XXXX XXXX XXXX and use account number XXXX and for additional information call XXXX. I received a call back from XXXX. They tried to confirm information from an old address of mine and an old license plate number and that I owned a XXXX XXXX XXXX. I had not lived at that address and or had the car for at least 10 years. The woman on the phone said I had {$1200.00} in parking violations from the cities of XXXX XXXX and XXXX  XXXX, IL from XXXX to XXXX. I told her that wasn't me and is too long ago to collect a debt. She said FALSELY that municipal debt does not have a statute of limitations and I should make arrangements to pay. I told her I wasn't going to provide her anything unless it was in writing. She then pressed for my address which I refused to give. It turns out I am correct and the 735 ILCS 5/13-227 states that municipal ordinances are collectible for only 7 years. I also looked up MCSI on the XXXX website XXXX XXXX XXXX They are out of business. This appears to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet Experian refused to remove them as a negative item included in BKPT the same for XXXX, although XXXX  did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXXSC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  for " XXXX XXXX XXXX XXXX' Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

Equifax failed to respond to my dispute letter and they failed to verify that the accounts belong to me before the end of the 30 days period.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated, I was/am a victim of identity theft, Equifax said they verified fraudulent items/accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Veros Credit filed a law suit against me for the amount of {$5100.00}. 

On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX  and XXXX  requesting validation of this account. 

I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract. 

The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future. 

Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due. 

XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history. 

XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018. 

To date I have not received the payment history. 

It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court.

Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from my credit report.
Product: Debt collection

Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Product: Credit reporting or other personal consumer reports

This is my multiple compliants Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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, credit repair services, or other personal consumer reports

Midland and XXXX XXXX XXXX XXXX is both reporting an account as late 120 days yet there is no late remarks at all. This is absurd and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordinace with the fair credit reporting act. XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX began, I have tried approximately 10 times to get a copy of my TransUnion credit report using the XXXX website. 

During this time and despite multiple attempts, TransUnion has NEVER made my credit report available online when I tried to order it through the XXXX website. Each time, Transunion dispayed a message saying " your request can not be completed at this time. '' I have never had any problems ordering an XXXX or XXXX report during this time. 

It appears TransUnion has decided it is just not going to comply with the requirement to provide free, weekly copies of credit reports. 

When I tried to order a copy through the mail -- which is a highly insecure process ripe for identity theft -- I was able to get a copy of the TransUnion report. This says to me that there are no " blocks '' or other problems with my file. 

Unfortunately, the data was about six weeks old by the time I received my mailed copy of the report. Six weeks is an eternity in credit reporting. 

TransUnion has just decided it is not going to comply with a government mandate to provide online reports.