23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  XX/XX/XXXX Capital One sent email stating my vehicle has been assigned for repossession. For the past year have been requesting debt validation in writing. SEC information report to have balance reflect. In XXXX the vehicle was {$13000.00} and today {$9800.00} which I have no clear indication on HOW finance charges are calculated daily. To no avail. I submitted an accept for value offer which they did NOT return. There is no lawful money HJR 192 GAAP and UCC 3-603. Asked for statement of account according to UCC 9-210. I NEVER saw Capital One or ANY of its associated representatives pass ANY money. My contract says XXXX XXXX. The only transaction I saw was my vehicle ( security interest ) and my check ( security interest ) and my signature ( security interest ). As a consumer I am more than justified in demanding proof of claim. I receive daily calls and threats from rude beligerent people and they hang up when I mentioned that it is against the law to threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car on XXXX from Mercedes Benz XXXX XXXX. I paid cash. When I went to sign release papers the XXXX XXXX, XXXX XXXX told me he ran my credit report. I asked why? I paid cash. He said it was a check and its standard procedure. I had no options since it was already fine. He could have called bank to see if funds were available or I could have left car on lot until the check cleared. 
He just had me sign my paper work and never apologized. I was so mad. I plan on buying a house next year and it lowered my credit score! 
I complained to the XXXX XXXX XXXX XXXX twice and she never addressed. My point is he should have asked me first. I wasn't financing the car.
Product: Debt collection

I am disputing an error on my credit report regarding my account with XXXX XXXX. The reporting dates were incorrect, showing inaccurate late payments. XXXX XXXX  has acknowledged the mistake and agreed to update the information. I am requesting a prompt update to my credit report to accurately reflect that my account was never late, and I appreciate your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX I thought I paid the XXXX XXXX XXXX XXXX in full as I had with their sister credit card. I then received a late payment notice and paid {$68.00} ; {$40.00} a late fee on XXXX, they reduced my credit limit to {$300.00} and reported me to Experian, who dropped by XXXX XXXX from about XXXX to the XXXX range and told me this would be on credit history til XXXX. This was an oversight on my part, I made amends and worked my way back up to reestablish my credit rating only to find out on XX/XX/XXXX, they used the scenario above, dropped my XXXX XXXX from XXXX to XXXX. I disputed this, they stated in my file info has been updated and restored by score back to XXXX. On XX/XX/XXXX they dropped my XXXX XXXX again to XXXX due to the same scenario above. Once again I disputed it and advised them I would be filing a complaint. I was penalized back in XXXX I'm being penalized again in XXXX I don't understand why they're using the same report from XXXX against me in XXXX? They also have a list of could be harmful reports ; I have an increase of {$23.00} on my XXXX card? I paid off an account by {$2300.00}? XXXX acct increased by XXXX XXXX  another acct decreased by XXXX XXXX but then they offer up credits cards to apply for? It concerns me that they play with peoples credit scores at will. thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX / XXXX acct # XXXX with {$200.00} bal., XXXX XXXX acct # XXXX bal. {$1800.00}, XXXX acct # XXXX, bal. {$1300.00}, Also XXXX collections accounts, XXXX XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX XXXX, acct # XXXX bal. $ XXXX.These accounts have resulted in several fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have a XXXX XXXX and a Torrid card, both through Comenity. I had been trying to check my balance and pay my cards on the site for a week and keep getting errors or reports of glitches and unable to login for both card sites. I complained on twitter and they advised to call the number on the card to pay, but the automated numbers just hang up on you and tell you to call back later. This has also been going on over multiple days.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INVESTIGATION HAS TAKEN MORE THAN 30 DAYS AND EQUIFAX IS CAUSING COMMERCIAL AND FINANCIAL INJURY TO ME. I INTEND TO FILE A FEDERAL CRIMINAL COMPLAINT AND FEDERAL CIVIL COMPLAINT AGAINST EQUIFAX I WAS AN IDENTITY THEFT VICTIM OF THE EQUIFAX DATA BREACH AND EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNTS IN ACCORDANCE WITH THE LAWS BELOW. 

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, AND 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 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 XXXX days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous.3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Wells Fargo is involved in a class action lawsuit pertaining to fraudulent car loans, or practices. I had a Wells Fargo car loan between XXXX. I was forced into XXXX insurance in order for Wells Fargo to approve the car loan. I never received any money back when my car was deemed totaled.
Product: Consumer Loan

My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.
Product: Credit card

In XXXX 2016 we had some Tile Flooring installed at our home by Best Buy Flooring, XXXX XXXX XXXX XXXX, Nevada in the amount of {$4500.00} which was financed by a new 18 month same as cash account ( XXXX ). When we made the application we were asked for a credit card for additional identification which we used My Best Buy Visa Card administered by Citibank. 

When we received our Best Buy Visa Statement ( Closing date of XXXX/XXXX/2016 ) it showed a purchase in the amount of {$7500.00} dated XXXX/XXXX/2016 to Best Buy Flooring XXXX. We did not make or authorize this charge. I called customer service to dispute this fraudulent charge. Our credit limit at that time was {$4100.00}. I asked why a charge over our credit limit was accepted and was told someone there approved it because I was a good customer without even bothering to contact me to see if this was OK. The original account was closed and a new account number was issued. I was sent a DECLARATION OF UNAUTHORIZED USE form which I filled out and returned. 

I received a reply from Citibank that this was not a fraudulent charge because I had initiated contact with this merchant but was instead a Billing Dispute. I again disputed the charge and received a letter that it was denied wihout explanation or documentation. 

I contacted the merchant who said that they could not find the transaction in their records. 

I did not make a purchase in the amount of {$7500.00}. I did not authorize a charge to my XXXX account for this. I can not get Citibank to reverse the charge. They could not have done an investigation into this or they would have removed it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquries on my Transunion credit report! I have attempted to have remove several times. Contacted companies they couldnt find inquirys contacted transunion and they were rude in wiling to help. 

Inquirys are as listed that I never authorized. 
1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3.XXXX XXXX XXXXXXXX XX/XX/XXXX 4. XXXX  XXXX XX/XX/XXXX 5. XXXX main XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my report and I saw that several inquiries were made under my name but were not mine on Equifax, XXXX and XXXX. I was able to talk to equifax and they were able to remove 2 of them but XXXX and XXXX just ignored me and mentioned I needed to talk to the creditors. The Equifax accounts that are not true are XXXX XXXX which i did open an account in XX/XX/XXXX and is reporting but it shows i applied again in XX/XX/XXXX. That is false no reason to apply for the loan when i was already approved before in XX/XX/XXXX. Same thing with my XXXX XXXXXXXX i have an account from XX/XX/XXXX that i was approved and it says another account was tried to be opened in XX/XX/XXXX So that one needs to be removed. In XXXX is XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX. I have a XXXX Account with XXXX and i just now opened up a personal credit card in XXXX that XXXX in XX/XX/XXXX is incorrect. 

Please help as my I have been a victim of several mail Theft where my mailbox has been left open and also i have picked up my mail on the street.
Product: Credit card

I received my citi visa credit card bill on XXXX the XXXXXXXX XXXX which announced that the APR on my credit card has been raised to 29.99 % of the balance on the credit card. When I telephoned them on XX/XX/, their representative XXXX explained that this increase was due to the fact that my wife made her payment 1 day late. XXXX also explained that citi visa may or may not lower the 29.99 % interest rate in 6 months. It is at their disgression. I feel this is totally unjust, and I would like you to make them lower the interest rate to below 20 % APR. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on this Bankruptcy is inaccurate. I have submitted all documents to all XXXX and all bureaus and have got nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found XXXX, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

I am XXXX XXXX XXXX ( XXXX, US Public Health Service ) serving at the US Embassy in XXXX XXXX, XXXX. My wife and I applied for a mortgage to purchase a home in New York. Because we are based overseas, we need to rent the home out until we return back from service overseas, so we applied for an investment property mortgage. 

We applied on XX/XX/2019 with Bank of America, our current bank. 

On XX/XX/2019, I received an email from Bank of America that said that our mortgage application had been denied, because : ( a ) we are living in a country ( XXXX XXXX overseas and are not eligible to receiving financing to buy a home in the US, ( b ) we must sign all disclosure documents while in the United States. Please note that we are not residents of XXXX. We are carrying US government diplomatic passports and serving at the US Embassy on XXXX XXXX. 

As a XXXX  XXXX covered by the Servicemembers Civil Relief Act, I am concerned that I have been denied a loan, because I am serving my country in a hazardous overseas location in the defense of my country. It seems Bank of America will only provide me a loan if I return back to the US -- in violation of my duty to the US government and sacrificing the defense of our country.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed with EXPERIAN the accuracy of account XXXX XXXX # XXXX due to inaccurate dates and information. EXPERIAN stated the account was properly investigated. I am disputing the validity of their " investigation '' because the " Date Opened '' and " Date of Last Activity '' are both inaccurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

On XX/XX/XXXX I also sent EXPERIAN a certified letter disputing the accuracy of account XXXX BANK # XXXX because of inaccurate information being reported on the account. The " Date Reported '' shows as XX/XX/XXXX which shoul have been updated if they had actually done a reinvestigation as mandated by the FCRA. They are also showing the date of last payment as XX/XX/XXXX yet under the payment history it clearly shows this date should have been XX/XX/XXXX. These are clear violations of the FCRA and the account should be removed from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states that only items that are true, verifiable, and accurate can be reported by the Consumer Reporting agencies - otherwise they must be promptly deleted from the consumer 's credit file.

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute. I never received any letter or updated credit report from them.
Product: Debt collection

This appears to be a fraudulent letter to collect a debt for a returned check. The language and grammar is inconsistent of a valid company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I deposited a check on XX/XX/19 via mobile deposit with my phone and immediately received confirmation via email that the deposit was successful. However on XX/XX/19 the check was charged back to my account and charged a {$12.00} returned deposited item fee. Customer service representative indicated in conversation on XX/XX/19 that the check was charged back because of an image quality issue that made the check unreadable.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed the necessary disputes and had the fraudulent accounts removed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than 5 business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. I did not receive this letter.. please delete the reinsertion of the XXXX XXXX XXXX account from my consumer report.