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

XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of 18.8 gallons to fill up a XXXX XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the Metter resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with 2.5T GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you
Product: Credit card or prepaid card

1. On Friday, XX/XX/XXXX I used my Bank of America credit card to make a payment to XXXX XXXX Programs ( merchant ) in the amount of {$1200.00}. 
2. I am charged daily interest on this card for any purchases made over the amount of balance transfer. However, my agreement with Bank of America states that if I make a payment it will first be applied to any purchases that exist over my balance transfer amount. 
3. On Monday, XX/XX/XXXX I received a receipt/confirmation from the merchant XXXX XXXX XXXX that my credit card payment was complete. 
4. On Tuesday, XX/XX/XXXX I made a payment to my Bank of America card in the amount of {$1300.00}. 
5. Bank of America has a transaction date for the XXXX XXXX XXXX charge of XX/XX/XXXX,  however has a posting date for this transaction of XX/XX/XXXX, and therefore did not apply my {$1300.00} payment to the new purchase/transaction of {$1200.00}. The {$1300.00} payment was made after the transaction date of XX/XX/XXXX and therefore should have applied however wasn't. I am concerned that Bank of America has inappropriately ordered the transaction vs. posting vs. payment to cause me to have to pay a daily interest charge on the {$1200.00}.
Product: Debt collection

In XX/XX/XXXX, Bank of America repossessed my vehicle - a result from XXXX of their employees cashing my money orders being sent it, who was also the representative who I spoke with in XX/XX/XXXX that provided me with the PO Box address to send the payments to ( a rep with a XXXX name and accent ). I knew it was them because I always sent my payments via Certified mail and saw who signed for them and it was the same rep who gave me their name during the call on their recorded line in XX/XX/XXXX. In XX/XX/XXXX, I spoke to a rep from the company they used to repossess vehicles and told them I know for a fact if anything, there should be a credit on my account, as the last money order I sent in XX/XX/XXXX would have paid my vehicle up until the end of that year, XX/XX/XXXX. In XX/XX/XXXX, I mailed Bank of America a copy of XXXX taken from the XXXX XXXX website and it proved to them the person who spoke with me on their recorded line in XX/XX/XXXX was the one who had signed for the money orders I sent Certified mail. After I proved one of their internal employees had committed fraud which resulted in my vehicle be repossessed and didn't receive an apology, but silence from them until I receive a Notice of Deficiency Waiver from the IRS regarding some Increase in Tax from a Cancellation of Debt from Bank of America, N.A., XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. This is a fraudulent mark on my IRS account and the notice from the IRS is a very threatening letter XXXX as I informed them of the same thing I have just stated regarding the Bank of America employee being the one on the recorded line in XX/XX/XXXX and the one who signed for ALL of my Certified mailings of the money orders ). Since XXXX, I have unfortunately moved 3 times and now reside in XXXX, MD and have not had the items sent to Bank of America since the Spring of XXXX ( as when they ceased their weekly communication with me as of XX/XX/XXXX when they were caught in a lie, I had not heard anything else from them and figured they knew they tried to scam the right consumer ( as I was literally being harassed on a weekly basis until I sent them the proof of the person who signed for the certified mail at the address that same rep provided me in XX/XX/XXXX ). This is very embarrassing, as I have NEVER had any IRS negative marks since I stared working in the Spring of XXXX when I graduated with my XXXX degree and I do not need this scam to possibly jeopardize my Federal Government clearance. This scam from Bank of America and their employee who has no morals has gone on long enough and now that it has been received at the IRS, I want it handled and the maximum fine imposed and any civil fines as well, as you can not go " ghost '' for nearly 11 years and then falsify information to the IRS, that is not acceptable and I will not tolerate it. I will pay the amount on the Notice from the IRS, but know for a fact I do not owe it because they were caught in a scam, ceased communication for almost 11 years and now are trying to resurface again. Not today XXXX.
Product: Debt collection

Fraudulent reporting by a company called LVNV FUNDING on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been contacted on three different occasions due to fraudulent information on our credit report. XXXX financed a car for my husband and me. Last year (XX/XX/2018 ) in XXXX the car was in a hail storm and totaled. XXXX paid their portion on the car and we had gap insurance, which covered the rest. The company put a balance owed of over {$2000.00} dollars on the credit reports for my husband ( XXXX XXXX ) and me ( XXXX XXXX ). We contacted the company asking for written proof of the amount owed on XX/XX/2018,XX/XX/2018and finally on XX/XX/2018. They have not only failed to send the appropriate proof of their fraudulent actions, they have caused our credit scores to plummet tremendously, negating our chances to purchase a new home. We are outraged at their lack of customer concern on this matter. Please help us! 
Sincerely Yours, XXXX XXXX
Product: Debt collection

On XXXX XXXX 2014 I was in the emergency room at XXXX XXXX XXXX Co. I have double insurance coverage and both companies were billed the total amount instead of billing the secondary only what the primary did not pay. The secondary assumed there was no other insurance and issued an Explanation of Benefits stating {$370.00} was owed. The primary insurance payed all but he {$250.00} deductible and I payed that. The hospital had then been payed the total contracted amount. We contacted XXXX four times and they would not re-bill the Secondary insurance company insisting the problem was the insurance companies fault. We solved the problem by providing information to the secondary insurance company and they reissued a new XXXX stating nothing was owed because the entire contracted amount was payed by the primary insurance company and the deductible was covered by me. XXXX turned the matter over to XXXX XXXX debt collectors. When we explained to XXXX Advantage and sent them the written Explanation of benefits they dropped the matter. XXXX then turned us into another debt collector called Global Receivables. Global receivables does not want to receive any information from us concerning the matter. I told them I would send them XXXX XXXX 's from the insurance companies and they said no. We have been harassed for over a year with threatening phone calls and letters.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Debt collection

MY INFORMATION WAS SOLD TO EASTERN ACCOUNT SYST DEBT COLLECTION. THIS COMPANY IS NOW REPORTING FALSE BALANCE OWED OF {$52.00} ON MY CREDIT REPORT DUE TO IDENTITY THEFT I HAVE ALREADY FILED A FTC REPORT REPORTING THIS INFORMATION, ALSO SENT NOTICE TO FURNISHERS OF INFORMATION TO EACH DEBT COLLECTOR, WHICH EXPLAINS RESPONSIBILITIES UNDER THE FAIR CREDIT REPORTING ACT REQUIRES DEBT COLLECTORS TO PROVIDE REQUESTED DOCUMENTS RELATED TO OPENING ACCOUNTS. DEBT COLLECTOR HAVE NOT PROVIDED THESE DOCUMENTS XXXX XXXX XXXX PLEASE REMOVED THESE ITEMS IMMEDIATELY
Product: Money transfer, virtual currency, or money service

I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. 

Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via XXXX. I did that through my bank, which has the option to send money using XXXX. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXXXXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case but they said that since I authorized the XXXX transaction, it is a scam, not a fraud and hence they can not do anything with that. 

I have all the details available including the fake cashier 's check as well as the conversation I had with the con man.
Product: Bank account or service

I filed a complaint ( # XXXX ) with the CFPB on XXXX/XXXX/16 regarding Citibank not depositing XXXX XXXX XXXX miles into my account for a promotion I had met the terms of. They responded on XXXX/XXXX/16 and said I would receive the miles within 60 days. Those 60 days have now passed and I have still not received the miles.
Product: Credit card or prepaid card

Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.
Product: Checking or savings account

I opened a money market account online with BMO Harris Bank on XX/XX/XXXX. I funded the account with funds in my checking account at XXXX. I received a phone call on XX/XX/XXXX from XXXX in the Fraud department at BMO Harris. I called him back on XX/XX/XXXX it went right to voicemail. He did not call me back. I called again. Again no response. I waited awhile and called customer service. They said my account was frozen and I had to speak with XXXX. Again no response. I waited again because of the Covid-19 situation but how long must I wait. 
I recently used contact us to leave them a message regarding a problem depositing or withdrawing funds ( I can not ). I have now received a message back that I must call XXXX XXXX. I can not access my money and no one else will talk to me. This XXXX never calls me back or contacts me. I have NOT received any letter from the bank that there is any problem with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get capitol one to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them in XX/XX/2920 and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX. XXXX. XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. states l 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

AmeriSave Mortgage Corporation has reported that my payment for XX/XX/2022 was 30 days late when it was not. Ive sent them all the supporting documents showing the funds being withdrawn from my account and theyre confusing a separate principal only payment that I submitted but was returned by my bank. My scheduled monthly payment was made on time as it is every month. Ive escalated this several times and have been left with no other recourse than to reach out to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 CAINE & WEINER COMPANY INC at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX CA XXXXhas been reporting a collection account to my credit. I do not know this company. I have sent letters of validation to this company numerous of times the only information I have received is a bill that I have no knowledge of. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX SYNCB CARE CREDIT received a letter disputing the account they were reporting on my credit report. ( Please see " SYNCB/Care Credit Letter 1.pdf '' and Screen Shoot For " SYNCB/Care Credit - Delivery 1.png and " SYNCB/Care Credit - SIgned 1.pdf '' ) I know that SYNCB CARE CREDIT had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and SYNCB CARE CREDIT Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to SYNCB CARE CREDIT. ( please see " SYNCB/CARE CREDIT Letter 2.pdf '' and " SYNCB/CARE CREDIT - Delivery 2.png and " SYNCB/CARE CREDIT - SIgned 2.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period.

Additionally, I've added signed copies from SYNCB CARE CREDIT proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " SYNCB XX/XX/XXXX '' png
Product: Debt collection

Called on XX/XX/23 to myself and my sister stating I would be served papers. Upon calling back I was told I was being sued for an extremely old debt and after I attempted to tell them not to call my cell phone or my sister 's cell phone I was hung up on repeatedly.
Product: Consumer Loan

On XXXX XXXX, I called Navy Federal Credit Union in regards to my auto loan account stating that I owed around XXXX dollars by XXXX XXXX, 2016. I called to inquire why this was. NFCU stated that my loan was up and I need to pay that amount by the XXXX of XXXX no if ands or buts. I stated to the Rep that I was unable to do that and I stated that I could continue to pay the XXXX for the rest of the loan. She said no and I could get the car refinanced, I stated " OK '' and she proceed to give her my information. She came back and said my payments would be around XXXX for 6 months. She said this will take around for days to be processed and updated. I have not heard back from NFCU, believing they do not care and only want there money. When my accounts are past due NFCU limits my ability to log on the account. after also reviewing my loan account, its looks like NFCU has charged me over the life of the account numerous unnecessary fees of XXXX to bring my balance up.
Product: Payday loan, title loan, personal loan, or advance loan

I've been unable to login to my PayPal account for about a month. I even tried different browsers. It always gives me the message " we are having an error on our part ''. My password is saved by XXXX, I know it's correct. I called customer service. An automated robotic voice message replied saying " they'll send me a text with a link ''. The chat their chat never replied to the issue I texted them about. It was a simple request for help to be able to access my account. I've taken screen shots of the whole process. I don't understand why this is happening since I pay my account on time every month. Could your Beauro please assist me with this stressful matter? I would greatly and sincerely appreciate any assistance you can provide. Thank you so much for the excellent work you all do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found debt on my credit report ... .realized that account wasn't mind and i needs reporting company to provide physical contract/validation. This debt is causing harm to my life as it pertains to my finances. I need to be provided validation of debt within 30 days ... .or debt needs to be removed. 

XXXX : Portfolio Recovery A Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Portfolio Rc Opened XX/XX/2020 {$520.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00} ; XXXX Inquired on XXXX XXXX, 2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

There is a Procollect Inc debt of {$10000.00} reporting on my credit since XX/XX/2017, my identity was stolen. I do not owe this debt. It does not belong to me. I am requesting this inaccurate debt be blocked form my XXXX  credit file. I am requesting an original contract and sworn statement of this alledged debt.