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

According to the Retail Installment Contract you were assigned and have security interest in, the finance charge is defined within the contract as the dollar amount I owe in connection to the credit for which was applied. The credit applied for was in the amount of {$16000.00}. Section 1026.21 of the Truth In Lending Act ( TlLA ) states When a credit balance in excess of {$1.00} is created in connection with a transaction the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer. 
The credit balance upon the inception of the transaction between you and I was {$16000.00} as indicated in the transaction history you provided. The credit of that amount was not credited to the balance at the inception of the transaction as it should have been. Based on your transaction records I have paid more than I should have in reference to the finance charge, under deceptive pretences. The finance charge is stated as {$4600.00} in the contract. 

I would not go as far as to defame you and claim fraud has occurred on your part in this instance, however it is very evident according to the laws by which this transaction are governed and the contract that we entered into, that full disclosure regarding the nature was not given, and inaccurate and unfair credit billing practices have taken place. As a result of the unfair credit billing practices inaccurate and unfair credit reporting practices have also taken place due to the omission of the true nature of the contract signed. The late payments and inaccurate reporting status of this account to credit reporting agencies places you in violation of many laws under both TILA and FCRA.

I understand that circumstances arise which may be out of our control, however willfully and knowingly engaging in acts which cause detriment to a consumers financial standing and capability, not only directly impair the efficiency of the banking system, but are punishable offenses under TILA and FCRA. I would like offer an opportunity to remedy the inaccurate and unfair credit billing practices in addition to the inaccurate and unfair credit reporting practices which arose due to the willful omission of the nature of the contract that you were assigned.
Product: Debt collection

Collection account on my credit report for the amount of {$970.00}. This was noticed when we applied for a mortgage loan. Prior to this, I was unaware of this account. My husband assumed that this was an account that I had opened and sent in payment when a statement was received in the mail, and he never mentioned it to me. When I noticed this on my credit report, I contacted Portfolio Recovery. They are unable to tell me who the original creditor was, or who applied for the card in my name. The account was created online. They can tell me that it was a XXXX. This is not my account. There is also an address listed on my credit report out of XXXX, VA. I have never lived in XXXX, VA. 

Portfolio Recovery has asked me to send in supporting documentation to prove that I have never owned this account. I have no such documentation, as I would not, because I did not open this account. 

I have communicated this information to Portfolio Recovery several times, only to be sent a letter telling me that they are unable to tell me who the original creditor was ; but that this account is not in error. 

This account is fraud. I never opened it. I did not use it. My husband paid on it, because he assumed it is something that I opened. I did not. 

Please help me, as we are trying to buy a home.
Product: Prepaid card

I received a prepaid Amex gift card. I cant use it to make purchases anywhere. They keep getting declined. Ive tried six different stores. I reached out to the company for help and could not speak to a live person. I was able to find one store that accepted it. I went back to that store to use it again and they tried four times to get this card to work. So ten different times this card has been getting declined. Ive seen on social media that others are having this issue. My balance on the card is {$93.00}. I just want to be able to use it or get a cash equivalent. Its a lot of money to my family.
Product: Credit card or prepaid card

Company close the accounts and report incorrect balance, I missed my wallet and I called Capital one about the situation, the cards was used not me but they closed the account and report the fraud balance in my credit report.
Product: Credit reporting or other personal consumer reports

All accounts with XXXX XXXX XXXX on my three credit reports are individually under {$500.00} and they are trying to lump them together to show a higher balance in collections to put it on my credit! They are all medical bills and some belong to my now adult child. According to the XXXX promise they stated consumers would have XXXX full year from placement in collections for all individual collection accounts for medical bills under {$500.00} or previously paid bills to be removed or worked with creditors before placement on credit. This showed up immediately on placement withXX/XX/XXXXI want this removed!
Product: Vehicle loan or lease

When I did have that account, I had a high interest rate which made no sense because at the time my credit score was fine enough to have a lower interest-rate so that means I had to pay more for my vehicle than I should have. I called the company and ask them if they could do anything and they told me that there is nothing that they can do, so I was forced to pay off my loan about a year later Im highly disappointed
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 # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

My husband is named in a lawsuit that I was NOT named in and it is showing up on my credit report.
Product: Debt collection

I sent a letter to diversified consultants to dispute a debt that they claimed that I owe them. They sent me back a bill with my name on it from XXXX. This bill had my name on it but no proof of signature. I asked them to verify that the bill was mine and the company didn't respond. They were given their 30 day grace period to mark the collections account as disputed, which they failed to do. The company had also dropped off of my credit report and returned back on without any validation of verification.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account COMENITY BANK/XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 

COMENITY BANKXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXXXXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF EDXXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Debt collection

Portfolio recovery calls me daily, sometimes multiple times a day and during all hours of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account off in full. I have also reached out to the original account holder XXXX and sent proof of pay off to them. I was able to pay off the account and open a completely new account now They are refusing to remove the account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these addresses according to the Per FCRA 605B ( 15 U.S.C. 1681c-2. It is not authorized to fail to validate these reporting addresses as unverified information without providing any proof within the period allowed by law. The following addresses need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

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

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX -  partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Debt collection

This has been my third year trying to get credit accepance corp to remove a debt that is not mine. They have never provided me with any documents and proof.
Product: Credit reporting

They never sent me any signed copy of original agreement between creditor or collection agency or send me any proof that they have a right to collect in my state. Also there and hard inquiries that do n't belong to me i have ask for them to be remove for over two weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Equifax consumer credit report and am disputing some hard inquiries that need to be deleted. I have listed the account, the opening date, and account number when possible on the attached file.
Product: Vehicle loan or lease

I decided to payoff the value of my leased XXXX XXXX and keep the car as the lease term approached expiration. I reached out to VW and obtained a payoff quote and the documents required on XX/XX/2021. On XX/XX/XXXX, I sent to XXXX XXXX  XXXX XXXX a cashier check for {$17000.00} payable to XXXX XXXX  XXXX as instructed in the Vehicle Payoff Instruction List sent to me by Volkswagen Credit on XX/XX/XXXX. We were informed that we would receive the title documents within 3-4 weeks. 
- XX/XX/XXXX : When we did not hear back from the company, we contacted them for follow up on XXXX XX/XX/2021. We were informed that the documents should be sent by the end of the week and promised that an expedite request would be put forward. 
- XX/XX/XXXX : having not heard anything we reached out again only to be informed that our Odometer Disclosure is missing. It was incorrect since we did send the disclosure with the check. 
- XX/XX/XXXX : we sent the Odometer Disclosure again. 
- XX/XX/XXXX : We contacted them we were told that the documents are in the mail and we would receive them in a couple of days. 
- XX/XX/XXXX : we demanded escalation and we were connected to a manager. She advised that VW made a mistake submitting our documents to their service provider that handles lien release and that this was corrected and we would get an update within 24 hours. 
- On XX/XX/XXXX we also asked through VW Credit portal to receive an official letter confirming that we have fully paid the value of the vehicle. We received no acknowledgement or response. 
- XX/XX/XXXX : we followed up after failing to receive the promised update only to be told that the title and lien company was only given the request to release the title on XXXX XXXX and that their process would probably be completed by the XXXX or the XXXX of XXXX. 
After all these changes of stories and information we believe that the company is either grievously negligent or actually in bad faith. Either way the harm to us is the same. We are unable to trade, refinance or resell the vehicle and we are stuck unsure when we will be able to get access to our money and get the full use of our fully paid property. The company is acting with impunity and DC law does not impose any penalty on the company for withholding out title to the vehicle in this way. We contacted the DMV asking if there is a process for them to intervene and there was none.

I really hope that CFPD can interfere to protect us from this abuse of company power and unfair treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, sold a balance of XXXX to security credit services. Security credit services is claiming they purchased remaining balance of XXXX. XXXX has confirmed they sold at XXXX on XX/XX/2019. A payment of XXXX was distributed by XXXX XXXX XXXX XXXX on XX/XX/2019 a third party service that provided statements and pay off information attached.
Product: Checking or savings account

Starting in XX/XX/XXXXall of my credit cards and ATM card have been cloned and used. I still have the cards I have a box of paperwork, too much for me to even sort. my XXXX last XX/XX/XXXXmakes everything hard to do. my checking account with Chase bank has been compromised several times by use of a cloned ATM card. sometimes Chase gives the money back, sometimes they give it on a temp basis and then take it away, leaving me suddenly overdrawn by hundreds of dollars. i have no money to deposit so i get overdraft charges until i borrow some cash from my family. also my credit cards have all been compromised many times. some fraud cases are settled in my favor, some are still in progress. my most recent denial by chase for the unauthorized use of my ATM card was denied because the card was chip enabled and used at a chip enabled store. my Slate credit card also has the famous chip and it gets used all the time and i still have the cards. so far the card has been replaced 6 times with a new one on the way now. Slate approves my claims, why does n't chase ... same bank. i can not pay my bills and my credit score is down 60 points. please help me fight the battle of the chip. My research found that I am protected by law such as the Fair Credit Bill and the Federal Trade Commission. FYI MY CREDIT CARDS ARE ALMOST EXCLUSIVELY USED AT XXXX IN THEIR ELECTRONICS DEPARTMENT. CAN SOMEONE MAKE THEM START CHECKING ID? Opps my wonky fingers hit the cap lock also i telephone the chase fraud people and ask if they could please reopen my case so i could do some investigation, they said my request was denied. I was n't able to attach documents. i have photos of 10 cards that have been replaced. all of them have the chip
Product: Credit reporting or other personal consumer reports

XXXX removed identity theft account with lendingclub NA and XXXX XXXX XXXX as equifax breach left my credit in strangers hand
Product: Debt collection

They constantly call even after asking them to stop. They change numbers and call again even after blocking multiple numbers.
Product: Credit reporting or other personal consumer reports

I am REWRITING to LVNV FUNDING LLC to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a certified letter on XXXX/XXXX/2021 to Equifax requesting a method of verification according to the FCRA 611 for XXXX accounts listed on my credit profile. Equifax did not provide the requested information within the 15 day window. They opened a dispute, marked the accounts as verified, and closed the accounts without providing their method of verification.