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

I am writing this complaint to bring to your attention the violations committed by United Auto Credit and XXXX XXXX in regards to my retail installment contract. The issue at hand is related to the determination of finance charge, which was not included in my contract as required by 15 U.S. Code 1605. 

On XX/XX/2023, I signed a retail installment contract with XXXX XXXX for the purchase of a vehicle. The contract stated that the amount financed was {$6000.00}, but the finance charge was not included in the contract. According to 15 U.S. Code 1605, the finance charge should have been disclosed to me before entering into the contract. However, neither United Auto Credit nor XXXX XXXX informed me of this crucial information. 

Furthermore, I was charged an illegal down payment of {$4000.00}, which is also in violation of 15 U.S. Code 1662 - Advertising of down payments and installments. As the creditor, I was never informed of my rights or the terms of the contract, which were both illegally charged to me without my knowledge or consent.

I urge you to take appropriate action against United Auto Credit and XXXX XXXX for their blatant disregard of consumer protection laws. These actions are unacceptable and can lead to serious financial consequences for innocent consumers like myself. I request a thorough investigation into these matters and demand that the necessary steps be taken to rectify this situation immediately.
Product: Debt collection

IC Systems is for a back power bill from XXXX  out of XXXX, NY. 
{$1600.00} this was removed from My Credit report back in XX/XX/XXXX this bill is from a account from XX/XX/XXXX. 
I have called XXXX and also IC Systems to make payments and was told NO payments i also sent email 's to both which i do have copy 's of. 
I have been reporting this to the credit places like XXXX XXXX and ask them to look into this for me but nothing get done and it is still on my report i even sent them showing the emails i sent to XXXX where the Dates of service is on. when i did use XXXX. with my account number still nothing. I have a copy of the the report from XXXX showing this was removed and now i come to you for help with this please.
Product: Mortgage

This is second Complaint in reference to my First Complaint # XXXX, which was close based on UWM ( United Wholesale Mortgage ) response.

The first complaint against UWM ( United Wholesale Mortgage ) was file on XX/XX/XXXX & then Customer ( myself ) received the Final response from the UWM on XX/XX/XXXX. 

Here is the Response from UWM on XX/XX/XXXX. 
Our review has found that UWM initially processed the additional principal payments you are making based on the standard payment hierarchy for your loan. Our Account Services Team then made the appropriate reversals to ensure these payments are being applied as you intended. As a result, UWM consider this matter resolved.

It clearly indicating that UWM know this issue & Instead of Fixing the issue they are try to explaining the cause. Since than I did 4 times Additional Payments ( Attached copy of Print Out ), but still UWM doing the same thing again & again. I have to go back n forth all the time to verify my account & calculate all my transaction to verify UWM charge properly or not. 

Additional Payments were submitted on XX/XX/XXXX ( {$3000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$2000.00} ) then XX/XX/XXXX ( {$5000.00} ). I will try to pay another additional payment by this month ( But not sure yet ). Still the additional payment amount goes directly as Monthly payment first then UWM reverse monthly payment & then apply properly as additional payment. So 1 line transaction become 5-lines of transaction. 

Like in XX/XX/XXXX to XX/XX/XXXX, If I did not pay attention then there was a chance where I was going to be victim of this unlawful activity. Like in my first compliant # XXXX I explained, in XX/XX/XXXX to XX/XX/XXXX all additional payments were completely mixed up & had wrong interest charges on account. 

After I spent too much time to going back n forth all the time to verify my all transaction, raise this issue by calling, secured message to UWM & Complaints to CFPB. Now I am planning to contact legal department to take action against UWM & now this time I will ask for compensation for wasting my time as well giving me hardship for more than 1 year. 

Attached last 24 Months of statement. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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: Debt collection

constant an frequent harrasing phone call early mornings later evenings every day with differnt changing number an constantly leaving voice mail messeages with no messeage
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown negative account : XXXX XXXX XXXX, XXXX, XXXX {$310.00} unknown hard inquiriy from XXXX XXXX XXXX XX/XX/2021 I have received a letter from XXXX XXXXXXXXXXXX XXXX  stating that they determined that i am not responsible for the disputed account or hard inquiry with their company! They stated that they sent notification to the consumer reporting agencies to remove this negative account and inquiry from my credit report, but it is still being reflected! i also had unknown addresses appearing on my credit report.. they are 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 unknown phone number XXXX
Product: Credit card

After looking over my credit report I noticed that there were XXXX late payments reported by Macy 's. XXXX XXXX and XXXX XXXX. I spoke with a representative in XXXX advising them that there was fraud on my account and I did not make the purchase to put the balance on there. They stated that they would remove the late payment reported. Same instance with in XXXX XXXX, I received a notification that I missed a payment. After I tried to make the payment and was told that the XXXX option on their website was having issues, I told a representative that I should not make this payment because their was fraudulent activities on my account. I was refunded the amount I paid and told that the late payment would be removed. After glancing over my report XXXX XXXX. I notice that these negative reports have not been removed. I called and spoke to a macy 's credit representative that stated since the fraud case was not investigated, they reported accurately, and there is nothing they can do about it because of the amount of time I waited. They did not report accurately and they have failed me as XXXX of their loyal customers. These payments should be removed due to the fraud that I reported the moment they where committed.
Product: Credit reporting or other personal consumer reports

Hi My name is XXXX XXXX. XXXX XXXX. I am in the middle of purchasing a home for my family. During the entire home buying process I noticed a cc only credit report. Capital one. It was old, no longer was reporting-. I advised to my financial advisor and my staff sergeant the card was not mine, I was told file a ftc. I did just that. The account was removed off my credit and my wife and I were s relieved. 

XXXX weeks went by, I paid off my bills and got my score tot he highest it ever was. I went to my mortgage team and right as we were generating my credit report they noticed the account that was once removed had just come back on. It was removed off XXXX and XXXX how ever it re appeared back on XXXX. 



I am being treated unfair. XXXX stole our local towns mail they stole the monthly statements making it difficult to pay my bill. Stolen mail. As the head of my family and the provider, I was not focused on bills. I just make money and pay them. However my wife noticed for XXXX XXXX  we had not gotten the statement which caused me to be late. As a curticy we asked they remove the lates and in return they removed the act. 

Although removing the act made my credit drop- ( ( due to history - the card made XXXX XXXX  oof my credit ) I still didn't make it a big deal because the XXXX lates being removed was a goal of mine together the best mortgage for my family. 

cap one not only removed the act, but after XXXX XXXX  they ut it back on with the same lates like it was a new account. It dropped my credit from a XXXX to XXXX which is not qualifying me for a mortgage. 15USC 1637 ( a ) ( a ) and 15 USC 1666 ( b ) was attached along with a ftc report- In addition to it not being my fault for XXXX late payments due to theft I am active military- I am protected from any of negative reporting due to the military act- Cap One has violated my rights and I am hoping you can get this matter taken care of- XXXX late payments that was not my fault is unfair. Contributory negligence states a person has a % of fault. In this -- - I have no % of fault. I was the victim, I filed a report. I followed protocol. 

Please get this cap one act removed in its entirely- if they can not update XXXX lateness. 
it appeared on my credit as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just got a copy of my credit report and I saw this fraudulent account on my report and I need it delete ASAP because it is hurting my credit badly
Product: Credit card or prepaid card

I have two credit cards serviced by Chase. One of them is an XXXX XXXX. When my XXXX XXXX membership was up for renewal the XXXX XXXX ( serviced/owned/financed by Chase ) was charged for that renewal but that membership was not renewed by them. When I complained XXXX  the XXXX  that they did not renew my membership but instead kept my {$110.00} anyway they ( Chase ) just strung me along for about three weeks but did not remove the phony charge from my bill. I want my {$110.00} refunded and this bank investigated for fraudulent billing someone and even after it is brought to Chase 's attention they did nothing to resolve it and just kept the fictitious charge on my credit card bill. The transaction at issue was on XX/XX/21 for {$120.00}. They refunded the {$7.00} ( which I later learned was for sales tax ) but kept the {$110.00} on the credit card bill. The only logical explanation was that this was done based of greed and vindictiveness because I had asked them why an extra {$7.00} was added to my {$110.00} renewal fee. If they did this to me you can bet they did it to others also. I want the {$110.00} refunded since they canceled my membership instead of renewing it. When I complained directly to XXXX  they told me to " take it up with your bank ''. Even though Chase services the XXXX XXXX they ( XXXX and Chase ) just passed me back and forth with a monkey in the middle run around but no resolution after stealing my {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I received a credit report from XXXX and Equifax I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information
Product: Bank account or service

Please refer to this Case number : XXXX and XXXX. 
Completed Form XXXX was sent on XX/XX/XXXX by usps postal mail. Anyway they had my SSN and all the details from XX/XX/XXXX so not having XXXX with SSN is a mere excuse. Now they are sending letter for collections even when i was never sent the statements in the past ( got it after opening the last CFPB case ). The current letter is regarding overdraft charges which are also incorrect. I just want to close this inconvenient account and have my {$400.00} promotional cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Product: Credit reporting

On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not written to me with the results of investigation about account- I've disputed for well over 6 months. 
I called Equifax and still using telephone hold on switching back and forth with me to different people. 
My credit score and employment opportunity has been harshly affected. 
Equifax also violated my FCRA Rights and I was included in the Breach Settlement when I typed in my Social. Security number but haven't received any monetary or 10 years of free credit monitoring or 7 years of free identify restoration services or 6 free Equifax Credit Reports during a 12 month period.

On my credit report with notification I am a Victim of Identity Theft with my police report faxed to Equifax .Federal Cares Act stated that because of the pandemic that credit bureaus must not report the negative items that hurt my buying power while I contacted my debtors as Federal Law stated I do. Therefore, I went beyond that I'm doing a lot to keep the certain bills I made to pay them on time. 
This Credit Bureau Equifax has not been delivered to me any results of several disputes of this same Alledged XXXX debt after 30 days. While still using deceptive practices and removing this error while been investigated and deleting this error off permanently.

This has caused me to loose jobs, contracts, board seats and financing because of Equifax 's non- transparency to immediately remove this item from my credit report. 
The hurt it has caused my good name before and especially during this Pandemic is more than anyone must bare. Equifax refused to remove this only negatively harmful item maliciously and willfully denying my credit rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES XXXX. XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION 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 DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc
Product: Credit reporting or other personal consumer reports

I am submitting this complaint again to address suspicious information on my credit report. The three credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
XX/XX/XXXXXXXX XXXX XXXX Balance : {$440.00}XX/XX/XXXXXXXX Balance : {$170.00} XX/XX/XXXXXXXX XXXX : {$170.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against MIDLAND CREDIT MANAGEMENT for their continued violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite multiple attempts to resolve this issue directly with the collection agency and the credit reporting bureaus, the inaccuracies remain unresolved. 
Account Details : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Amount Reported : {$6400.00} Nature of the Complaint : This account was purchased by a third-party debt collector and is being reported inaccurately on my credit report. The collection agency has failed to validate the debt or provide proof of any contractual obligation between me and the original creditor. Furthermore, this account was settled for less than the owed amount, yet the status, balance, and other details remain incorrect. 
Violations : 1. Fair Credit Reporting Act ( FCRA ) Violations : o Section 609 ( a ) ( 1 ) ( A ) : Failure to provide proper validation and verification of the debt.

o Section 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to the credit reporting agencies.

o Section 611 ( a ) : Failure to conduct a reasonable investigation following my dispute. 
2. Fair Debt Collection Practices Act ( FDCPA ) Violations : o 15 U.S.C. 1692e : Reporting false, deceptive, or misleading information regarding the account.

o 15 U.S.C. 1692f : Using unfair or unconscionable means to collect or report the debt.

3. Reporting Inaccuracies : o Incorrect Status : The status of the account does not accurately reflect the settlement.

o Inaccurate Amount : The reported balance is inconsistent with the terms of the settlement.

o Unverified Reporting : The collection agency has failed to provide proof of validation as required by law.

Attempts to Resolve : I have contacted the credit reporting agencies and the collection agency multiple times, requesting proper validation or removal of this account. Despite these efforts, no adequate proof has been provided, and the inaccurate information continues to harm my credit.

Resolution Requested : I am requesting the CFPBs assistance in ensuring that this inaccurate account is removed from all credit reports immediately. Additionally, I request a formal investigation into the reporting practices of the collection agency and enforcement of all applicable penalties for their violations. 
Thank you for your attention to this matter. I trust the CFPB will address this issue promptly and ensure compliance with federal laws to protect my consumer rights.