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

On XX/XX/2020 XXXX I dropped off my vehicle with the XXXX XXXX XXXX service repair department in XXXX XXXX XXXX, IL and they didn't have my vehicle ready till XX/XX/2020 XXXX. My finance payments are XXXX every 2 weeks and I belive my finance contract needs to be revised not deferred. A consumer isn't to pay a company for a product not being provided. 
They have withheld the vehicle over 45 days and I believe The Company is not entitled to any payment during that time.
Product: Debt collection

The Law Office of Maury Cobb has sent an automated phone message to my parents ' phone # every day for months. The call-back # they provide is for a dating service and they do not respond to emails so there is no way to end this harassment. I have no outstanding debts, as my credit report will show.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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/block any accounts 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. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

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

In late-  XXXX   I contacted  XXXX ,  XXXX  and   XXXX   with the following request. " Please remove the following derogatory report from my credit report : Bank of America Date Reported -  XX/XX/XXXX Payment Status - 120 Days Late Account Status - Derogatory Account Number -   XXXX   Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened - XX/XX/XXXX Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by BOA in writing o XX/XX/XXXX and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by BOA on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between  XX/XX/XXXX o  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted Bank of America who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with BOA because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by BOA as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that BOA 's current practice is incorrect. I would really like to know rules or laws, if any, apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither XXXX XXXX nor the 3 credit bureaus ( XXXX, Equifax, and XXXX ) will honor removing the inquiries even though I was solicited by XXXX XXXX. The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers are one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.
Product: Checking or savings account

On XX/XX/2021 a deposit was made into into the Bank 's ATM machine. The bank reversed this deposit stating that they could not deposit the check because another name ( my wife 's name ) was listed on the check. 

During that time, we incurred several overdraft fees. We went into the branch where the atm deposit happened and the bank gave us the check back and stated that they would refund all overdraft fees once we cashed the check at another bank and brought the cash back. 

My wife is also a customer of this bank and myself. We both have personal accounts, we asked could we cash the check in the branch and were told no. 

We were then told to cash the check where the check originally came from, which just so happened to be that bank. We were still told we could not cash it at the branch. 

On XX/XX/2021, we had a deposit go into the account. The bank only refunded 3 charges, even though due to their error we incurred 7 charges.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, at XXXX XXXX my friend attempted to wire me money for yesterday ( XX/XX/XXXX ) 's dinner through this application called XXXX. However, my friend notified me that an error prevented me sending the money to me, please see photo # 1. At XXXX, I tried to request money from my friend, then a message popped up saying my account has been frozen, please see photo # 2. At XXXX I called XXXX customer service and filled a claim with XXXX XXXX , please see photo # 3. I did some research online and found out that many people have experienced the same situation, I decided to close the XXXX account and withdraw the money, but it did not work and XXXX indicated that I have paid all my balance to XXXX, please see photo # 4 & 5. XX/XX/XXXX, XXXX, I received any E-mail from XXXX XXXX at XXXX saying that my account has been permanently deactivated, please see photo # 6. At XXXX, I spoke with XXXX XXXX from XXXX and filled another claim, I was informed by XXXX XXXX that the money in my account will not be returned back to me.
Product: Debt collection

XX/XX/year> I received about XXXX calls. XX/XX/year> I received an astonishing XXXX calls! Everyday, except XXXX, I receive a minimum of XXXX calls. Every. Single. Day. When I called them back to ask them to stop calling, they said the only way they could do this is if I agree to a promise to pay. When I asked them why they call so many times, I was told they have an automatic system that places this call. I was irritated and just hung up on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear XXXX, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge XXXX Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Student loan

I called them a couple times today. XX/XX/XXXX. No one answered when i clicked the button for speaking with a customer representative. The loans i am being charged with do not match up. I am being charged more than double what i owe them. One semester when i could not afford classes i completed unsubsidized student loan supplement form to pay half my tuition half student loans. This was fall semester XXXX XX/XX/XXXX. I only took 3 classes and paid for half of my tuition. On XXXX XXXX website it says the total for the semester was XXXX. Half of this is only XXXX and they are charging me XXXX dollars. They charged on on other multiple occasions even though i only asked for loans this one time. I paid my tuition myself every other semester. I NEED HELP
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of the following inaccurate and unlawfully reported charge-off from my credit report within 72 hours : Account Name : XXXX XXXX : {$1600.00} Charge-Off Status ( Incorrectly Reported ) This charge-off has been paid, and any further reporting of a balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

LEGAL VIOLATIONS & GROUNDS FOR REMOVAL 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), XXXX is legally required to maintain accurate reporting. The continued reporting of a paid charge-off is a clear violation of this federal law and must be corrected immediately. 

2. Attempted Double Jeopardy in Credit Reporting Potential Fraud The balance has already been resolved, and any attempt to collect or report it again is fraudulent. Forcing a consumer to pay for the same debt multiple times is illegal under **15 U.S.C ( be advised that FTC report has already been submitted )
Product: Credit reporting or other personal consumer reports

Capital one XXXX XXXXXXXX has failed to show proof of this account to be mines. Under 15 US 1681b I give Capital One the right disclose any public information to credit Bureaus. This account is also a violation of 15 Usc 1692e false and misrepresentation of reporting to XXXX and XXXX. For this account has been damaging my credit worthiness
Product: Checking or savings account

Ive been fighting this since XXXX and yall think this is some kind of joke XXXX XXXX does not return call my case has not been investigated right I was told on XX/XX/2022 that a response would be mailed to me in a few days well here it is almost 2 months and Ive recieved no decision on my case by law Im suppose to have my money returned because the XXXX transaction were not authorized by me someone hacked into my phone and recieved my text messages and emails without me knowing I got everything I asked for except my log in history on my acct there was a different number signing into my acct without me knowing I want my {$5200.00} back and I want this case closed on this case for good and get someone other than XXXX XXXX to help with this I have no acct with boa so if they say the money was returned to my acct its a lie I no longer and never will deal with boa ever again give me my money these fraudulent people took from me as far as this company yall need better customer service reps that will return calls and know what there job is going onn6 months fighting this is ridiculous I should of gotten my money back if it was a different bank yall dont take responsibility for these hackers that XXXX us inocent consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never done business with XXXX XXXX XXXX I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed XXXX XXXX XXXX and Experian that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use
Product: Credit card

I currently have a checking account with Citibank into which I direct deposit my paycheck twice a month. In addition, I have XXXX credit cards. One has a limit of {$1500.00} and the other has a {$2000.00} limit. I have never been late and always try to pay at least 75 % of the balance monthly. On XX/XX/year>, I made a payment of {$740.00}, which, as always, was credited immediately. On XX/XX/XXXX, I made another payment of {$50.00} which was also credited immediately. For reasons I dont recall, I apparently paid another {$20.00} on XX/XX/XXXX. This was the first and only payment that had ever been returned on any of my accounts. I never even received notice of this return. In any case, on XX/XX/year>, I was credited the same day with my payment of {$1200.00}. Finally, last month on XX/XX/XXXX, I paid {$420.00}. On my statement, it shows this amount as being credited immediately, which is a lie. After a few days, I realized my balance never decreased. I spent time and effort speaking to a variety of customer service representatives. This was the first I heard about the returned {$20.00} check posted nearly XXXX  months prior. Even though my record was otherwise perfect, I was told that due to the prior returned check, my payment would be placed on hold until the XXXX, XXXX  days post payment. I was quite angry and nearly closed all accounts. The representative did however promise that this was a XXXX time hold and there would not be any other holds in the future. Relying upon this information, I made a payment of {$1300.00} on XX/XX/XXXX, followed by another payment of {$180.00} the following day. I immediately noticed that in spite of both payments actually credited, and not pending, the same day, the anoint of available credit did not change. Thus, although my balance is currently {$520.00}, my available credit is only {$57.00}. I first called in Monday XX/XX/XXXX. The customer service associate told me that since the pay men was made on a weekend, the funds would not appear for XXXX hours. This had never been the policy in the past but I was assured my funds were not being held. After waiting another XXXX hours, I called in again and had a customer service representative tell me that even though the bank had the payment as of the XXXX, a XXXX  day hold was being placed on the amount due to the {$20.00} returned check XXXX  months ago. Neither the customer service representative nor the supervisor was willing to help in any way. Instead I was told to stop bouncing checks and it didnt matter that the bank had my money. This appears to be simple fraud to me.
Product: Credit reporting or other personal consumer reports

The XXXX credit report states that the account is closed but does not indicate the date it was closed. The report states that 99 months were reviewed, but there is no data available for the years XXXX  through XXXX. The account is reported as being closed with an available credit balance in the amount of {$17000.00}. The report shows the account was opened XX/XX/XXXX and has been open for 17 years 11 months. If the account was opened for 17 years and 11 months from XXXX it would still be open today ( statement is mathematically incorrect ). The report shows that the account was charged off but does not indicate the date it was charged off. Capital One does not report the date that the account was closed which would allow them to report this account indefinitely. Capital One reports that the customer requested the account be closed but does not include the date this request was made. Please have Capital One provide proof that that the customer requested the account be closed and that they currently own the debt. Also please have them explain why they state that they reviewed 99 months but only reported 3 years. If 99 months was reported, it would show that the account was never late during that time period. Please have them explain why my account was referred to a debt collector in XXXX when the first delinquency didn't occur until XX/XX/XXXX.
Product: Debt collection

Cach LLC ( Docket # XXXX ) was released in bankruptcy discharge XX/XX/2013. However, they are still reporting a judgement on my credit reports.
Product: Debt collection

I received a letter on XX/XX/2018 from Brumbaugh and Quandahl law firm stating I owe the amount of {$12000.00}. I responded asking for verification of the alleged debt in accordance with the FCRA section 609 ( a ) 1. In the letter Brumbaugh and Quandahl listed the Original creditor as XXXX. I was very specific with my questions to know what the debt was for, and how they calculated the amount and who the original creditor was and whether they are license to collect in my state and for them to prove to me if the status of limitation has not expired on that debt. I wanted to know if I have, or had ever had any contractual obligation to pay. I demanded if I have a physical signed contract with them. On XX/XX/2018, they sent me a fraud affidavit form that I should fill. In their fraud affidavit form, they made it sound I was a fraud victim and requested a fraud form. I clearly refused to fill the form because I never requested such form. I requested for proof of alleged debt. Why should I accept an allegation as facts. I was clear about what I requested. I wanted to know what right they have to demand for such debt. Again, I demanded for a sign contract from them as to how they arrived at that amount and gave them 15 days to responds as I have earlier given them 30 days before or they should delete my details from their account. This time they have the original creditor as XXXX. I noticed the inconsistency of who the original creditor is. I am waiting for the response to their letter or proof of the alleged debt.
Product: Payday loan, title loan, or personal loan

I was in a bad spot I needed to hire a lawyer. So I looked online for loans. And I found this one. It was for {$500.00}. I knew it was high interest. I expected to have to pay 130 something dollars a month for a year for a {$500.00} loan. Which I know sounds terrible. But I needed the money to pay for a lawyer. It was an emergency. The first payment came out from my checking account. I get paid every two weeks. So I figured the next payment wasnt due for a month. But when I got my next check it was taken out of that as well. So they are taking almost {$300.00} a month for 12 months for a {$500.00} loan. I cant afford that. I ended up having to close my checking account. And Im pretty sure what they are doing is illegal. Definitely a predatory lending company
Product: Payday loan, title loan, personal loan, or advance loan

The loan was paid in full on XX/XX/XXXXXXXX XXXX XXXX  XXXX still processed the automatic payment of {$750.00} on XX/XX/XXXX. I called them the day my bank sent the XXXX. Was told to call back on XX/XX/XXXX because it didn't show on their end. I called back the next day, XX/XX/XXXX, was told to call back in 10 days,01/09/24 to start the process of a refund. My account online shows the payment paying the loan and the additional payment but balance is still XXXX, it should show a credit balance. Also, it shows the additional payment as XXXX not XXXX. This additional payment resulted in me getting overdraft fees which they will not reimburse. 
Also, during this process I was disconnected when speaking to a supervisor and no one tried to return my call. I had to call again and wait XXXX minutes to reach a person. That person rudely told me that they already told me that the refund can't be processed today and to call back on XX/XX/XXXX. 
Im very worried about getting my refund because my account doesn't show a credit, I was told two different things, been hung up on, and spoken to very rudely.