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

So i went to PenFed branch in XXXX XXXX in New Jersey on XX/XX/year> to pick up a loan check and spoke to XXXX XXXX, she had me sign all the paper work to finish loan and give me check so i could bring to car seller. After asking me if i wanted XXXX insurance i said no, i was also asked if i wanted warranty, so i asked how much and was told it was XXXX $ a month i asked what that would cover and she said i could go home and look at the warranties and get back to them, i had 30 days to had this warranty from that day. 

After going home and looking at warranties and thinking about this i decided to process after all im buying a used car with XXXX miles, it was a great ideia to me, and it was XXXX of main reasons to get a loan with PenFed since they offered this warranties.

I called to add the warranty and now im told i cant unless i pay it in full. I dont have the money to pay this on full and i was told by XXXX XXXX XXXX XXXX at the branch that i had 30 days to had it for less than XXXX $ a month. Now i feel like i was lied to and completely missed informed, they refuse to do anything about it. And i feel like im at a big loss here. The conversation was recorded by them at the clerks desk and PenFed was the one that gave me the clerks Name.

What will happened if my car breaks down and i have thousands of costs in repairs that could be paid by warranty??
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizen One bank authorized a fraudulent account to opened in my name not once but twice. I cooperated with their fraud department to get the first account closed. The second account was opened after they were notified of the first account. The second account is still showing active and has been flagged as delinquent. My credit report and history has been damaged due to the lack of oversight from Citizens One bank
Product: Debt collection

On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( Check into Cash ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a XXXX XXXX XXXX, they asked for my XXXX XXXX. I told them that it is a matter of public record and that they can contact the XXXX XXXX or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I completed a preapproval application with XXXX XXXX for a new vehicle loan. This was a preapproval, soft credit pull. I verified this with a real person at location. On XX/XX/2019 I applied for the loan and was approved and purchased the new vehicle. On XX/XX/2019 I was called by XXXX XXXX and asked to unlock my credit report again. I did not understand why I needed to unlock for the second time but It was explained to me by the sales manager, the salesperson as well as the FINANCE MANAGER that only 1 inquiry would result overall. Much to my surprise on XX/XX/2019 I received another hard inquiry from Honda Finance and also my contract had to be rewritten and resigned. I only ever authorized 1 inquiry. I contacted XXXX XXXX regarding this and am still waiting on the promised phone call that's never going to happen. Honda Finance representative told me when I called in to get a copy of the contract in regards to the second inquiry, " her supervisor said thats just the way it is '' and this can be verified because the calls are alledegly recorded for quality assurance. 

I tried disputing the inquiry for Honda Finance with XXXX  but was told by rep that Honda Finance would have to submit electronically a form to remove the inquiry. This is shady business practices and I will share my story to impact Hondas sales. 

Thanks so much for your time.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. This account appears as duplicated on my Credit Report ( twice ) and because of that have resulted in several fraudulent Charge Off appearing on my consumer FICO credit report with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collectionsor Charge Off related to this duplicated account as reported. The aforementioned accounts, collections, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and Charge Off are the result of identity theft and fraud. I have attached an Affidavit of Truth and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and Charge Off are the result of identity theft and fraud. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card

I filed a police report because someone is using my credit card. From XXXX to XXXX, my credit card was being used without my authorization. I still have my credit card in my possession but this person was able to activate a card I had never received from citi bank and use that to make over XXXX K in purchases. I have filed a police report and Citi bank continues to close my dispute. They confirmed the first of these disputes, a XXXX charge for XXXX $ but denied all of the others. I explained to them that there is a pattern of behavior following that first initial charge.
Product: Debt collection

Buckles and Buckles, P.L.C. has wrongly made numerous attempts to collect on a debt, provided the court with untruthful information leading to a default judgment against me for {$10000.00} which I NEVER received service of. After I contacted Buckles and Buckles informing them I was the wrong XXXX XXXX and providing my social security card proving it did not match the social security number listed on account. Somewhat incredibly Buckles and Buckles refused to dismiss the judgment and more incredibly refused to properly investigate, maintaining their original position. Additionally, once i became aware of their attempt to tag me onto this debt, i sent them a letter specifically requesting proper validation. Buckles failed to provide any kind of legal documentation of any application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I've been disputing inaccurate reporting on my credit report. 

AR Resources keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX XXXX. The account number is XXXX. 

I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number and how the debt was verified. They've yet to do so because they don't have this information. 

I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent information on my credit report : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : XXXX
Product: Debt collection

As far as I know, FCRA 605B requires us to eradicate any inaccurate entries from my credit report. Would you please verify the documents? I'm feeling uneasy about some of the listed accounts, as they seem to be incorrect.
Product: Payday loan, title loan, or personal loan

They keep on charging my bank account even after I had submitted a stop payment request to my bank, and then XXXX also trying to send me into collections of {$680.00} my loan with them ends by XXXX I even told them I feel vulnerable but they continued on saying well have you put into collections so we can get our money either way and I know thats totally illegal and unethical their practices make it to were they should be shut down for predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX XXXX XXXX | XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX  | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, Equifax and XXXX on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Account with XXXX XXXX XXXX - Account Status : Open Dear Sir/Madam, I am writing to dispute the information reported by TransUnion LLC regarding an account with XXXX XXXX XXXX XXXX which is inaccurately listed as open with a last active date in XXXX. I request that this account be removed from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I discovered that the account with XXXX XXXX XXXX is inaccurately listed as open with a last active date in XXXX. However, I can confirm that I have no active accounts with XXXXXXXX XXXX XXXX, nor have I had any recent activity or transactions with them since the specified date. 

Under the FCRA and the FDCPA, inaccurate or outdated information should not be reported on consumer credit reports. As such, I assert my rights to dispute and request the removal of this inaccurate information from my consumer report. 

I hereby request that TransUnion LLC conduct a thorough investigation into the accuracy and validity of the reported account with XXXX XXXX XXXX. If it is found that the information is indeed inaccurate or outdated, I request that TransUnion LLC promptly remove this account from my consumer report. 

Furthermore, I am bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance and oversight. 

Please provide a written response to this dispute within the timeframe specified by law, and notify me of any actions taken to address this matter. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

I spoke with a debit collector they settled my balance and told me if I paid the settled balance the account will show up paid in full. But its only showing the amount paid. I have a letter I will provide.
Product: Credit card

On XX/XX/year>, I contacted Citi Bank to request a total payoff amount on my Citi Thank You Preferred Credit Card. I wanted to pay off my card on this date and needed the total payoff amount, including any accrued interest since the statement date. I was told repeatedly my the customer service representative that they could not provide this amount to me as " interest is calculated at the statement billing date. '' I tried to inform- albeit without success - that any bank should be able to provide a payoff amount on any given day, as interest is compounded daily. They did not seem to understand and provided me with an amount of {$5300.00} - which the representative said was still " an approximation. ''
Product: Debt collection

Received a letter from Performant Recovery Inc, informing me there were collecting on a delinquent debt for the State of XXXX Department of Revenue. My claim number XXXX. The letter is dated XX/XX/XXXX. 

The letter claims I owe income tax to the state of XXXX in XX/XX/XXXX for the amount of {$1200.00}. I was XXXX XXXX military from XX/XX/XXXX-XX/XX/XXXX. I was stationed in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have ALWAYS CLAIMED XXXX AS MY HOME RESIDENCE in all my tax forms. According to XXXX  's own laws " military personnel whose domicile ( home of record ) is not XXXX  are not required to file a XXXX   income tax return on wages earned from military ''. The military was my only source of income. I never had license or vehicle registered in XXXX  either. 

I have never received any calls, emails, or letters from the XXXX  Department of Revenue, even if i did owe them money they would have to notify me first that they were turning over my " debt '' to a collection agency. 

This all comes to conveniently as the Federal government is set to distribute XXXX dollars to everyone due to the covid-19 pandemic. I owe around XXXX dollars from 4 years ago in a state I never claimed residency in? Obviously a scam. 

Performant contacts XXXX Performant Recovery Inc XXXX. XXXX XXXX XXXX, CA XXXX Tel XXXX The letter threatened to suspended many licenses I have including drivers, hunting, and professional licenses.
Product: Debt collection

I was filed a collection on my credit report due to someone else using my name in Iowa, in a state I never lived in. I have lived in XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a pre loaded Vanilla Gift Card with a preloaded amount of {$25.00}, using {$25.00} cash to make the purchase, and when I attempted to use it, a month later, could not. I did call the card shortly after purchase, and {$25.00} was the available and the card was ready for use. Upon attempting to use today, the 4th call to confirm the balance, the automated system stated there was an issue with the card. Speaking with XXXX, I was informed that I had to return to the merchant, to obtain the receipt, and send it to them, so they could verify the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS ATTACHED VIOLATIONS
Product: Bank account or service

Background. Paying with Paypal is always a challenge to pay by credit card. By default, the option for payments available when you check out is always cash from a bank account, and to pay by credit card, you need to edit that option each and every time. Recently I purchased a laptop with Paypal and when I did checkout, I changed the payment option to my XXXX. However a couple days later I was shocked to learn that paypal did not use my XXXX but withdrew the money directly from my bank account!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Unauthorized Inquiry on My Consumer Report Demand for Removal and Compensation To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry made by XXXX XXXX  on my consumer report dated XX/XX/XXXX. This inquiry was made without my authorization and is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, which strictly limits who can access my consumer report and under what circumstances.

Since I never applied for credit with your institution, you lacked a permissible purpose to obtain my report. As such, I demand the following : Immediate removal of the unauthorized inquiry from all consumer reporting agencies.

Payment of {$1000.00} in statutory damages, as permitted under the FCRA for violations of this nature.

To resolve this matter amicably, I am willing to sign an agreement stating that your client does not have to admit to any wrongdoing in exchange for compliance with my demands. However, if this issue is not resolved promptly, I will be left with no choice but to escalate this matter through legal proceedings. Should litigation become necessary, I will also seek actual damages, including but not limited to : Estimated Litigation Costs Filing Fees : {$400.00} Attorney Consultation Fees : {$500.00} - {$1500.00} Court Costs and Administrative Fees : {$300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Expert Witness Fees ( if necessary ) : $ XXXX Time Spent on Litigation ( at a reasonable hourly rate ) : XXXX XXXX  Emotional Distress & Reputational Damage Compensation : XXXX  As you can see, litigation will be costly and time-consuming. It is in your best interest to resolve this matter swiftly by removing the unauthorized inquiry and compensating me accordingly. 
Please confirm in writing within 10 days of receipt of this letter that the unauthorized inquiry has been removed and that you will be issuing the {$1000.00} payment. If I do not receive a satisfactory response, I will proceed accordingly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX  XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/year>, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. 
Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/year>XXXX  well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. 
Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. 
A copy of my government-issued ID for identity verification. 
A copy of my Social Security number card to ensure accurate identification. 
Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable. 
I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified. 
Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication. 
In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). 
Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XXXX