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

I had a 3-year car lease agreement with GM Financial. The lease started on XX/XX/XXXX, and ended on XX/XX/XXXX. And my account was in good standing. After I returned the car to the dealership, I got a {$1100.00} bill from GM Financial for excess wear and tear. I was shocked, then I got the inspection report, and the itemized bill. Among those items, {$640.00} is for replacing all four tires. This does NOT make sense at all. I drove this car for less than 3 years, and only had XXXX miles on it. Even the tires were worn, it's the quality issue of the car and/or tires. I don't think I'm responsible for replacing the tires. It should be normal wear and tear. I called GM Financial Customer Service the multiple times, the most recently on XX/XX/XXXX. I requested them to adjust my bill down by {$640.00}. But they denied my request.
Product: Debt collection

I am writing to file a formal complaint against concord regarding their conduct in attempting to collect a debt associated with a timeshare at XXXX XXXX XXXX. 

On XX/XX/2024 I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the aforementioned debt. In response, I promptly contacted the agency via email on XX/XX/2024, disputing the validity of the debt and requesting additional information to validate the claim. However, the response I received from Concord on XX/XX/2024 failed to adequately address my concerns or provide sufficient documentation to verify the debt. 

Furthermore, despite my explicit request to cease all communication via telephone on XX/XX/2024, I have continued to receive multiple phone calls from Concord with the connecting line hanging up, ive called back with them unable to Id the source of the call from within their company. These calls have persisted despite my repeated requests for communication to be conducted solely via mail or email. 

I am deeply concerned by the lack of transparency and failure to adhere to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The conduct of Concord has caused me significant distress and inconvenience.

I respectfully request that the Consumer Financial Protection Bureau : Investigate the conduct of Concord in attempting to collect the debt referenced above. 
Ensure that Concord ceases all further communication via telephone and adheres to my request for correspondence to be conducted solely via mail or email.

Require Concord to provide complete and accurate documentation to verify the validity of the debt, including the original creditor 's name, address, contact information, and method of billing.

Take appropriate enforcement action against Concord if violations of the FDCPA are found. 
I trust that the Consumer Financial Protection Bureau will take prompt and appropriate action to address these concerns and protect consumers ' rights. 

Thank you for your attention to this matter. 

Furthermore, I want to emphasize that no prior contact was made via mail or email regarding this debt before I received the collection notice. This lack of prior communication is concerning and raises questions about the validity of the debt collection process employed by Concord
Product: Credit card or prepaid card

I submitted an online application to American Express XXXX XXXX, and was denied and told to call customer service which I did. 

I was told that because I had had a bankruptcy. 

My XXXX was 13 years ago, well over the XXXX XXXX, and does not appear on my my credit reports. I have successfully applied and received credits cards from several different issuers : XXXX XXXX XXXX XXXX, two from XXXX, XXXX, and XXXX  XXXX ( this last one immediately after I was discriminated against by American Express. ). 

I have a 100 % on time payment history and a XXXX  of over XXXX. 

I explained that it was discriminatory for American Express to single me out. 

Furthermore, I NEVER received a letter explaining why I was declared, which I believe is also illegal.
Product: Debt collection

This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.
Product: Credit card or prepaid card

XXXX XXXX XXXX is lowering my credit score by raising my credit utilization. I have never missed a payment. Paid XXXX dollars and then they lowered the available credit amount. credit limit before was XXXX or XXXX now its XXXX. I was wanting to improve my credit utilization to buy a home. I also made payments on my other credit accounts that was going to improve my credit score. I called and they hung up the phone. account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called to have XXXX removed for a false claim that I owe them money. I provided ample evidence to show my numerous attempt to contact XXXX and their refusal to respond. Equifax removed this false charge. 
XX/XX/XXXX I called Equifax to ask why I'm being denied a loan with a XXXX credit score and no collections. They proceeded to tell me that I have had XXXX in collection from XXXX works. I explained to them that nowhere on my credit report does it show this in collections. They proceeded to argue with me that I must be mistaken ( with a XXXX credit score? ) I immediately called XXXX XXXX and paid it in full. 
XX/XX/XXXX I called to request the removal of XXXX XXXX with proof of payment instead of waiting 30 days for it to be reported. I was told that that wasn't a problem. 
XX/XX/XXXX I called to ask why my credit score is in the 500 's. I was then subjected to being disrespected, placed on hold for a long time, told that I can report them if I had any issues and that it was that low because of all my disputes. Afterwards I was notified that I had purchase a credit protection from Equifax and every single one of my messages have been deleted. 

This experience has caused me so much pain, grief, any chance of getting a place to live, and now I can't get a car. I have nothing because of this and knowing that they can erase all my information, add false information, and make purchases on my behalf has me freaking out and physically ill. I don't sleep, I have to spend a huge amount of money to rent a car to grocery shopping and run errands because I can't get a car.
Product: Vehicle loan or lease

I was XXXX and Kia was working with me on my payment arrangements. Kia repo the vehicle XX/XX/year>. They told me in order to get the car back I will have to pay the car off Im full. I explained I didnt have {$21000.00} and never got the car back. Kia sold the car XX/XX/year> and been reporting negative payments on my credit report since XX/XX/year> until now with a status of a write off. I called and ask for the 1099C and the representative stated they that it likely that Kia will not issue a 1099C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit card or prepaid card

I am applying for a mortgage and I'm told I have this derogatory account for Kikoff Lending. I am not aware of any such account. When I reach out to Kikoff Lending, their phone # only goes to a voicemail that says email us at XXXX I've emailed and not heard back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX Violations with XXXX, Equifax and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXXXXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, Equifax and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, Equifax and XXXX regarding this matter.
Product: Credit card or prepaid card

2 years ago I needed XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I was offered a paymentplan using a Synchrony bank Mastercard. it was explained to me.that if I paid it off in 2 years it would be interest free, I was'nt able to meet that condition.whether right or wrong I believed this to mean that after the time expired I would pay interest on the balance.my balance is now {$4000.00}, my present bill has an added interest of {$3900.00} making my balance $ XXXX.I would have gladly paid interest on monthly basis if it had been offered. I spoke with Synchrony rep, who told me that " there was nothing he could do, I signed the agreement and that was that. ' my original cost was {$10000.00}. This is a disservice to consumers in that It is misleading, not necessry.and in the end debt trap.
Product: Debt collection

I am disputing the amount paid to XXXX  that receivables performance is reporting on as paid on my credit line. Fcra is in violation on their refusal to withdrawal their Improper collection reporting to all agencies
Product: Prepaid card

I get XXXX and I needed a replacement card. They sent 1 and tried to activate it and says, the numbers on care are invalid. I've called even at XXXX XXXX  and they keep saying call back, heavy call volume. They have always answered but now nothing!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$6600.00}
Product: Credit card

Dear CFPB Representative, I am writing to formally file a complaint regarding the wrongful cancellation of my account by Discover Financial Services. I believe this action was unjustified and has caused me undue hardship. I am seeking your assistance in resolving this matter promptly and fairly. 

On XX/XX/year> I was informed that my account with Discover had been closed without prior notice or a clear explanation. This decision has significantly impacted my financial stability and creditworthiness. I have diligently maintained my account, adhered to all terms and conditions, and ensured timely payments. 

Despite reaching out to Discovers customer service department multiple times, I have been unable to obtain a satisfactory explanation or resolution. The representatives I spoke with provided vague responses that did not clarify the reasoning behind the cancellation or offer an opportunity to appeal the decision. This lack of transparency is deeply concerning. 

The sudden cancellation of my account has : Negatively affected my credit score due to the abrupt change in my credit utilization and account history. 

Restricted access to necessary funds and services, creating financial strain. 

Resulted in XXXX XXXX and inconvenience due to the uncertainty and lack of communication from Discover.
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXXXXXX XXXX Account Name : XXXX and list of Inquiries.

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 or other personal consumer reports

Dear CFPB, I am filing a complaint with the CRA - Equifax against these banks for reporting an account on my credit file without verifying my identity. Despite their notification stating my identity could not be verified, this account remains linked to my Social Security number, negatively impacting my credit. The inaccurate information not only damages my creditworthiness but also creates unnecessary distress and confusion. I request immediate blocking of this account and deletion of all related inquiries. Thank you for your assistance. 

Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX XXXXXXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) Possible, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I sent XXXX, XXXX, and Experian a dispute regarding the reporiting incorrectly of certain accounts and they have not fixed these errors after many letters sent to them. They have also sent me stall letters as well.
Product: Checking or savings account

I was out of town on the days of XXXX  XXXX XXXX, and I had 5 charges in the city I live in which is XXXX, XXXX. Like I stated, I was in XXXXXXXX XXXX for a work conference, so the charges could not have been made by me, and my card was in my possession. I disputed the charges with Chime Bank, and the claim came back as denied. This is the 2nd time I have had unauthorized charges on my account when I have been out of town, and the same thing has happened.
Product: Credit reporting

I am a victim of identity theft. I sent in to the credit bureau a copy of my identity theft report, police report and a letter detailing the fraudulent items that I requested to be blocked from reporting on my report. Some items were blocked, however, not all of them listed in my letter and in the police report were. There is a fraudulent account with XXXX XXXX and a bankruptcy that is being reported in error on my report. I have never filed bankruptcy, nor have I had an account with XXXX XXXX. I contacted the court directly and was told that they do not report to credit bureaus and that I would have to deal directly with Equifax , as the other credit bureaus blocked the fraudulent reporting. Upon contacting Equifax , I was told that they verified the accounts and will continue to report them. How can they verify them with the court, if the court does not report to them or communicate with them? I do n't understand why Equifax insists on reporting fraudulent information at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, I am writing in regards to Experian and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. Experian is reporting XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.
Product: Credit reporting, credit repair services, 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, 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 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: Mortgage

In XX/XX/year>, my previous mortgage servicer, SLS Mortgage, was acquired by NewRez. Following this acquisition, I noticed that I could no longer access my mortgage statements from prior to XX/XX/year>. These documents were unavailable both on SLS 's website ( sls.net ) and NewRez 's website ( newrez.com ). 

I contacted NewRez to obtain copies of these missing documents on the following dates : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I reached out through their online contact form and by phone. While I have received acknowledgment of my inquiries and, in one instance, a response stating that additional time was needed, NewRez has failed to resolve the issue or provide a substantive response within the 30 business days required under the Real Estate Settlement Procedures Act ( RESPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2020 about an account on my report that does not belong to me. I have yet to receive a response and it is now XX/XX/2020. It has been over 90 days since I disputed this account. Please remove this account because you failed to investigate and verify it in the time allotted by the FCRA. If you are stating that account is verified please provide the method of validation, who you spoke to, when you spoke to them, and the information that they provided to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.
Product: Credit card

Dear Sir or Madam, Copied is a letter I wrote to Chase VISA Merchant Disputes Division who claim the charges are valid. If this does not get resolved I will consider suing them and the company that fraudulently took money from me because I gave them permission to and signed these stupid contracts with them. 
The following is a recent letter I mailed to the Merchant Disputes. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Merchant Disputes XXXX, XXXX XXXX RE : XXXX ( My account ending in XXXX ) Dear Sir or Madam : I recently received a letter from you and I dispute your decision. For the following reasons. In my opinion XXXX, also known as XXXX is a scam. These people are telemarketers that are very skilled and professional at what they do. They have fraudulently charged for services, that they refer to as packages, that were not rendered. 
All but the XXXX were completed. The rest of the packages that I paid for were not. I deserve to be at least refunded for the services that were not provided to me by this company. XXXX does not cost anywhere near the amount that they charged on my credit card. They charged a total of {$14000.00} on this credit card and I got absolutely nothing for it. They charged my credit card and promised that my XXXX would be in XXXX, that I would get an interview with XXXX, that it would be XXXX and put on the XXXX XXXX and XXXX across the states. They also promised that my XXXX would be reviewed in the XXXX, sold online, and that I would get 100 % of the XXXX. Well I got no completed XXXX, nothing. I demand that I get refunded at least {$12000.00} of this money!! They can keep the rest. I was robbed. It is unjust and unfair. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company after company will just show up on my account inquiries, and I want to clean these accounts that I have no knowledge of creating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aargon agency I have requested validation of debt, itemized receipt, and requested to cease any reporting until the debt is verified by me. I have sent 2 letters in the course of 3 months. I have received NOTHING from Aargon agency. Therefore, the debt is invalid. I called Aargon agency and explained this, he refused to delete the collection or acknowledge the two debt verification requests.