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

After turning the vehicle in at the end of my lease, vehicle was XXXX miles under allotted miles, vehicle was in great shape. Received letter from GM financial on itemized breakdown of the remaining amounts due on my account. No charges on excessive wear, past dues, lates fees etc. but I was charged on one fee and that was, a Disposition Fee. I was not informed at the time of signing about this fee, this fee was buried in with all the other lines and numbers, a total of approximately 100 different entries and was not reflected in the final numbers at the bottom of a 2 foot lease. Also, when looking for the definition of, Disposition fee, I found it under the return of the vehicle about two thirds into the XXXX worded back side of the lease, one small line stating, " the item 4A disposition fee unless this fee is waived under item 23 ( t ). ( 4A being the disposition fee buried on the front of the lease as I stated earlier in my letter but fee not being shown in the final numbers. ) Now going down to 23 ( t ) it states, Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a NEW General Motors vehicle when this lease ends. NOW think about this, I am being charged {$390.00} dollars for Disposition fee, .XXXX  XXXX  for past due payments, and {$23.00} for tax, Totaling {$410.00} dollars due. because I didn't buy another vehicle from GM. This is legal extortion!!!!! How can a government allow a company to charge someone a large expensive fee because they either could not afford to purchase a new vehicle again or was not happy with the vehicle ( GM ) they purchased. When I told GM financial in a phone call that this fee was not presented to me at the time of signing and I did not initial the disposition fee line stating that I was aware of this fee, that this was legal extortion and I would not pay the XXXX. They, GM financial then stated that this would go on my Credit Report for non-payment. Now, I own a restaurant, why should I not be allowed to charge a customer of mine a disposition fee of XXXX bucks because I found out that they went to a competitor of mine and purchased a sandwich from them. I believe this action by the BIG companies should not be allowed and the government needs to step in and stop this practice. I have filed a complaint with the Attorney Generals office, my local State Representative, XXXX XXXX, my US Senator XXXX XXXX and now here. Thank you for your time, XXXX XXXX, XXXX, MI. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX
Product: Debt or credit management

It is against the law for anyone to sell an account I have not signed any form stating that this is my account nor did I sign for anyone to sell my an account, I have not supplied proof under doctrine of esptoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Credit control services has placed a debit on my credit for {$1400.00} that i have no knowledge about i have consulted them i have also had a 3rd party consult them to no response Lu Ross associates has placed a debit on my credit for {$1900.00} that i have no knowledge about this account nor have i ever lived at the address listed i have consulted them i have also had a 3rd party consult them to no response My credit has been compromised since XXXX  and i have put a lock on my credit and have been getting notification that my information is on the dark web multiple times
Product: Debt collection

I have never been to XXXX XXXX XXXX Alabama.. I live in XXXX tx... XX/XX/2021 is not me. Someone is using my social.. I never been period.. I don't owe anything. Hastened Financial keep trying to collect money and I never been
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED BY EXPERIAN ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX,, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled a credit report on me. This apparently happened during a separate incident involving a bank and another mobile provider. XXXX refuses to disclose to me the circumstances, timing, or purpose of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Trans-Union regarding my credit file. Trans-Union further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Trans-Unions that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
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: Credit card

I applied for a Credit Card online from Boeing Employee Credit Union and provided proof of income with last two years of W-2s and current Paystubs for recent month. Was Denied Credit and in Disclosure Letter it stated Unable to verify Income. Was rejected based on Race as I have stable employment along with XXXX  Score of XXXX. Want recourse for this denial on credit based on Race.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

We had two accounts with Synchrony Bank, one was an XXXX credit card and the other was an XXXX store account. Both were in good standing and we were paying the accounts down monthly. The XXXX account included a rewards points program and at the time they closed the account there was {$75.00} available in points and another {$75.00} that would become available after the specified amount of time after purchases. 

With no warning, the XXXX card account was shut down and the reward points were taken away. I went ahead and paid off all that was due on the XXXX card. I called Synchrony for an explanation and spoke to someone at a call center who told me they had no access to the reason behind the account closure but that a letter would be mailed to me explaining everything. A week later we received a letter stating that Synchrony viewed me as a high risk for nonpayment ( even though I was never late and have a good credit score ). That was the extent of the explanation. About a week later, we got another letter, this one on the XXXX account, stating the same thing. 

What happened with the XXXX rewards was fraudulent, not to mention the fact that closing accounts like this can be damaging to my credit, which can be real financial damage to me. We were trying to buy a house in the next year and this could cost me with the interest rate we are able to secure. 

Synchrony Bank should not be allowed to damage innocent customers with unaccountable immunity. A quick search on the internet will reveal that this is a pattern for Synchrony lately. 

I tried to talk to someone at Synchrony would could help or at least explain their reasoning but, of course, that is not possible. The people who make these decisions are well insulated from the ones they are affecting. 

XXXX XXXX
Product: Mortgage

On  XX/XX/XXXX ,  a letter of dispute was sent to Ocwen 's research department stating that loan payments on the loan had been {$480.00} instead of {$450.00} as per the original loan agreement. This was an overcharge of {$27.00} each month for 135 months amounting to {$3600.00} as of that date. Another letter of dispute  dated  XX/XX/XXXX   was sent to  Ocwen  stating that no payment was due on  XX/XX/XXXX ,  since the amount they said was due, {$600.00}, and the overcharges were considerably more than that amount. Because Ocwen did not furnish any explanation for this discrepancy, no more payments were made on the account.  <P/> As of   XX/XX/XXXX ,  the overcharges and interest on the overcharges amounted to {$6400.00}. At that time,  Ocwen  turned the account over to their attorneys for foreclosure proceedings, even though the missed payments amounted to less than the overcharges and interest on the overcharges.  Ocwen  was notified by certified mail of this fact, but  Ocwen  ignored that letter, and proceeded with the foreclosure.  <P/> When Ocwen initiated the foreclosure proceedings, and proceeded to foreclose on the loan, an attorney was retained by us, and we were advised that fighting the foreclosure would be expensive, and we were advised us to file bankruptcy, which we did.  Ocwen  foreclosed and the property was finally sold at a sheriff 's sale  on  XX/XX/XXXX  We  do not believe this is fair, legal, or acceptable by us. We lost our home, and certainly do not agree that  Ocwen  's action was justified and is certainly not acceptable to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by USPS upon completion of your investigation.
Product: Credit reporting 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 accounts 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 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. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX BALANCED {$9500.00} XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. Citibank anywhere visa, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed Citibank anywhere visa about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Product: Credit card or prepaid card

I never opened the Destiny Mastercard but received a bill in the mail. I checked and noticed that this bill is also on my XXXX  credit account.
Product: Credit reporting or other personal consumer reports

Remove all information reporting from XXXX and the settlement XXXXXXXX XXXX XXXXXXXX states. Also remove inquiries on XXXX and TransUnion. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your TransUnion report on XX/XX/XXXX Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX XXXX XX/XX/XXXX XXXX
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 /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX. account XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in inaccurate
Product: Credit card or prepaid card

I HAVE A FEW CREDIT CARDS FROM CAPITAL ONE FOR OVER 20 YEARS WITH A SCORE FROM THE 3 CREDIT BUREAUS OF XXXX. 
I ALWAYS PAID THE FULL AMOUNT ON TIME. 
THIS CREDIT CARD COMPANY CALL ME OVER A LOT OF TIMES TO KEEP INCREASING THE CREDIT AMOUNTS IF I PAY ONLY THE MINIMUM AMOUNT, AND I TOLD THEM NO. THEY WERE HARASSING ME. 
LAST XXXX I HAD SOME REPAIRS ON MY CAR FOR AN AMOUNT OF APPX {$1300.00} AND THE PEOPLE FIXING IT THEY DID A VERY BAD JOB .I HAD NO CHOICE BUT TO PAY THE BILL IN ORDER TO GET MY CAR BACK.

IMMEDIATELLY I NOTIFIED CAPITAL ONE TO DISPUTE THE CHARGES.

THEY TOLD ME THAT IT WOULD TAKE 60 DAYS FOR THIS TO HAPPEN.

I ASKED THEM TO SEND ME A REPORT OF OUR CONVERSATION THEY SAID THEY WILL IN ABOUT TEN DAYS. THE REPORT NEVER CAME. I CALLED THEM IN XXXX XXXX XX/XX/2022 XXXX 2022 NOTHING. 
CAPITAL ONE NEVER CREDITED MY ACCOUNT FOR THE AMOUNT OF {$1300.00}.
Product: Debt collection

I moved out of an apartment in XX/XX/XXXX by ending a lease early under agreement with the leasing company ( XXXX XXXX at XXXX XXXX XXXX  XXXX ). At some point following my move out this company sent an amount owed ( {$2400.00} ) to a debt collector ( Hunter-Warfield ) in XX/XX/XXXX. Despite having all of my contact info, and me even reaching out to XXXX, I never received response, notice, or a bill for this amount in any form. The amount owed is now up to {$2500.00} some how. Hunter Warfield even called and harassed my parents for this money that they will not verify. 

I sent a letter to Hunter Warfield asking for verification of the debt and asked them over the phone when I was able to answer one of their calls. They received the letter and signed for it through usps certified mail on XX/XX/XXXX. I still have not received a response to this request ( its XX/XX/XXXX today ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both Upstart and XXXX that the late payment was wrongly submitted. I have provided documentation of police reports, ftc number and cyber crime along with notice that my bank account was closed. All of this is because of ID theft and fraudulent activity which has resulted in accounts being closed and causing problems beyond my control. Ive never missed a payment in over 20 years on my credit report. This is the first time and again because I was victim of identity theft. I notified the company and was making attempts to pay this but bank account was closing.
Product: Debt collection

Disputed but wasnt removed on said date XX/XX/year>. Different address. Which is probably my father. We have the same name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account I never deal with this place call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting denied for mortgages, new credit cards and loans for over XXXX now due to inaccurate information being reported on my credit profile. Transunion stated that my accounts were properly investigated and updated. How is this if everything has remained the same and inaccurate. Transunion is reporting inaccurate last payment dates, terms, and balances. I've circled all the violations made by Transunion in my attachments. These accounts needs to be removed because they're violating my rights 15 U.S.C. 1681 section 602 A : States I have a right to privacy.

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

Also they took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the reporting of XXXX XXXX XXXX reporting a $16000+ outstanding balance.  This account was included in bankruptcy and NOT reaffirmed.  I submitted a copy of the US Bankruptcy Court's denial of reaffirmation multiple times to Experian, XXXX, XXXX and XXXX XXXX XXXX and it was not corrected.  In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
Product: Debt collection

XX/XX/2022 - Received letter to collect Debt of {$41000.00} from Consolidated Recovery Group , LLC ( Letter attached below ) XX/XX/2022 - Called and spoke to XXXX XXXX XXXX who supposedly the Debt was being collected for. They confirmed that no Debt was owed and account is in good standing and this is more likely to be a Fraudulent Letter. 

XX/XX/2022 - Called and spoke to a XXXX XXXX XXXX ( XXXX ) at Consolidated Recovery Group , LLC and requested that they provide the " Assignment of Debt '' contract for us to review. She had no such contract and simply said that they ( this company ) works for XXXX and that payment was owed and she had my last four digits of my Social Security Number. 

After reviewing this company on XXXX ; it seems that they are fraudulent sending collection notices to folks like me. They are commiting fraud as no such debt is owed. She mentioned that this was some sort of Charge-back that XXXX did and that we had received this payment of {$41000.00} and we never paid XXXX back XXXX That is not true at all. We do not have charges of over {$500.00} at most and there are no issues with charge-backs. This company is just commuting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the dispute : XXXX, Bank of America personnel did not read the content of the dispute or address the items in the dispute in their investigation.

Again, here are the codes that protect my right as a consumer that you have violated : 15 U.S. Code 6802 15 U.S. Code 6801 15 U.S. Code 1681 18 U.S.C. 1028 ( a ) ( 1 ) 18 U.S.C. 1028 ( a ) ( 4 ) 18 U.S.C. 1028 ( a ) ( 6 ) 18 U.S.C. 1028 ( a ) ( 5 ) I have attached a screenshot of 37 months of inaccurate reporting furnished to XXXX. 

See attachment.
Product: Credit card or prepaid card

XX/XX/20 closed the account. eight operators or more later from USAA all expressing different thoughts, a US XXXX  XXXX XXXX XXXX veteran trying to redeem my rewards back. I was informed I can not get the whole amount due to many different reasons depending on which operator I spoke to. I have XXXX  issues and hard time speaking. My daughter called and tried to help me, this company USAA claim to help the veteran be all about the veteran etc. etc. they are the worst company to help a veteran in this world. the interest rate was out of this world. they did nothing for me in years I had the card and upon closing wouldn't help redeem full value of redemption.