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

I got my vehicle loan through credit acceptance in XXXX of 2019 before Covid hit. When everything shut down I immediately called Credit Acceptance and spoke with a representative who assured me that my car wouldn't be repossessed and I was directed to call them when I was financially stable enough to resume payments. I was never given anything in writing that my vehicle was being repossessed, and I never received any correspondence from them stating that my loan was in default. They sent a recovery company to pick up my vehicle in the dark of the night and no paperwork was left explaining what had occurred. I thought my vehicle had been stolen. They waited over a year to report anything on my credit report then all of the sudden I get a notice that my credit score dropped over 100 points and that my car was being sold unless I was able to pay the past die of {$10000.00}. The crooked sneaky way they went about it has absolutely ruined my credit due to absolutely no fault of my own. It's not fair and should be removed from my credit report. Credit acceptance is a very bad bad company to deal with and I wish I had never gotten duped into financing through them
Product: Debt collection

I was transported and admitted into XXXX XXXX hospital by helicopter after I as a result of being in an auto accident in 2017. I had insurance though XXXX XXXX that covered my stay at the hospital and all bills included in the stay. I was taken downstairs to discuss the bill at the hospital. At the time I was released and discharged from XXXX XXXX Hospital shorty after I received a finale bill for my services as I have included this bill as Plaintiffs Exhibits A. As per the bill the balance on the account was {$5000.00} at which I had a check in the amount of {$5000.00} sent to XXXX XXXX at which would of just left a balance of {$31.00} on the account. As you can see the bill was adjusted or negotiated by XXXX XXXX that allowed some adjustments or write downs so that XXXX XXXX would pay the bill. XXXX XXXX then sent me a bill showing the balance owed at which I had the funds appropriated and sent to pay the remaining balance of {$5000.00} paid in full. 
I DISPUTE THIS BILL AND DO NOT OWE THE BALANCE. I WANT ALL COPIES OF ALL THE PAYMENTS MADE TO XXXX XXXX XXXX XXXX XXXX XXXX IN CONNECTION TO THIS BILL THEY STATE THAT I OWE.
Product: Credit card

I had previously called about my automatic payment and went through the process with a representative. The process was set up and automatic payments occurred for a couple months, then all of a sudden Bank of American took my automatic payment off with authorization. I was never notified of this and didnt realize my monthly payment didnt go through. Now I was charged a late fee for Bank of Americas mistake and they wont take responsibility for the late payment. They had the audacity to say I should enroll in automatic payments so this doesnt happen again.
Product: Debt collection

The services were provided by XXXX XXXX. The debt collector is TSI, which states there is a balance of {$1600.00} VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.
Product: Debt collection

the balance of XXXX from XXXX XXXX XXXX XXXX was already paid off.
Product: Credit reporting or other personal consumer reports

The company is reporting outdated information. I have not been convicted of anything in the last 10 years and they keep reporting information from 10 years ago.
Product: Debt collection

MRS Associates have added a collections notice to my credit report in the amount of {$1000.00} for XXXX. They state that I had this product in Alabama and I have never lived in Alabama nor I have I ever stepped foot in Alabama. I have sent them several letters stating this that I can prove that I have lived at my current address for 27 years in XXXX XXXX, PA. I have never received billing for XXXX! This is an identity theft issue and I want this resolved asap as it's affected my credit score I've worked hard to build. I gave them a week 2 times to get it off my credit report with no avail! I've been in contact with a lawyer. MRS Associates has yet to send me any paper work regarding this issue! Please help me!!! All billing at my current address is in my husband 's name and our cable/internet provider has been XXXX XXXX. Never even heard of XXXX! XXXX can't close the dispute because MRS said it's valid but they won't prove anything that it's my debt! I refuse to pay for something that I never had! Can you please help me get this off my credit report? I would appreciate any help you can give me! Thank you XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies on my credit report, which include multiple attempts to add inaccurate addresses, collections accounts, and inquiries, some of which are suspected to be fraudulent. These inaccuracies are adversely affecting my creditworthiness and financial well-being. I request your prompt assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies requiring your immediate attention for removal : 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 


I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Non-compliance with the FCRA can lead to legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Debt collection

I have been patient and persistent in seeking a resolution to this matter, yet the incorrect information continues to harm my creditworthiness. I demand an immediate and thorough investigation into the reporting of these late payments and request the necessary corrections to be made promptly. 
Account Information : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have previously brought this matter to your attention through numerous communications and escalations, yet the inaccuracies persist, damaging my financial reputation and hindering my ability to secure favorable terms on credit transactions. The negative impact of these inaccuracies is not only unjust but also in violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a dress from XXXX XXXX XXXX in XX/XX/2018 for a discounted price of {$54.00} of an initial price tag of {$89.00} but Comenity Bank issued me a bill of {$170.00} for this one item, I find that this is not the first time Comenity Bank has over billed for a dress, this was also done with their shop XXXX. I made a complaint in XX/XX/2018, XXXX XXXX XXXX/ Comenity Bank then wrote to 4 other credit companies in an effort to negatively affect my credits score in spite of the issue being their error. I then replied to all the credit agencies attaching all relevant receipt and statement. Then XXXX XXXX XXXX informed me after many letters and call to them that they are investigating the matter. I did not receive any info from them but suddenly saw a credit of over {$79.00} credited to my account. I wrote for clarification but they informed me that they are still investigating only to find online that Comenity Bank through XXXX XXXX XXXX has deducted some inexplicable charges " late '' from the amount they unilaterally credited to my account, all efforts to get Comeniy Bank to explain and to rectify the issue has come to naught. In stead Comenity Bank is more interested in giving negative reporting to the credit bureaus knowing very well I do not owe them and knowing that I pay my bills way before the due date as verified by payment history.
Product: Payday loan, title loan, personal loan, or advance loan

I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX in the amount totaling XXXX $ and XXXX said it was paid, and the new loan servicer came in weeks after I had made the payment to XXXX and XXXX said I was paid for XXXX, and then the new loan servicer said that they won't be applying this payment to my XX/XX/XXXX, payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX  {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}
Product: Checking or savings account

15 U.S.C. 1681b. I am writing to express my dissatisfaction and concern regarding the unauthorized use of permissible purpose codes by Early Warning Services. It has come to my attention that my banking report has been accessed and negative information has been reported without a valid permissible purpose under the Fair Credit Reporting Act ( FCRA ). I request an explanation as to why Early Warning Services accessed and reported negative information without a valid permissible purpose. I also ask for the immediate removal of this unauthorized negative information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the following accounts to be deleted from my credit report X/XX/18. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX/XXXX XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Natural, living person. I have rights under the 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give XXXX written permission to furnish these accounts. 

15 U.S.C. 1681 section 602 A. States I have right to Privacy. 

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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 that the information is inaccurate. 


Accounts XXXX XXXX XXXX Account # XXXX Vt- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX of XXXX card Account XXXX XXXX
Product: Checking or savings account

On XX/XX/year> there was a withdrawal of {$7800.00} made going to my chase bank account from my XXXX  XXXX account but my chase bank account is closed. I contacted XXXX  XXXX they told me that they sent it out to my chase bank account then I contacted chase bank they told me they never got any of the funds from capital XXXX. So I go ahead and call XXXX  XXXX then they continue to tell me they sent the fund but I have never got it neither has chase bank. I have been dealing with calling back and forth for a while and Im tired of this and just want this solved and get my money back. I also filed a report on XXXX  XXXX they got back to me and said that they already sent the money and I need to contact chase but you guys keep telling me that you guys dont have anything
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Can you review the documents? Several of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

On the initial notice of debt from Hunter Warfield, I responded with a proof of debt verification on XXXX I received confirmation of my request and was told that they would be gathering all the information I requested. I never received any other phone call, email or mailing regarding this debt until XXXX  The email sent on XX/XX/XXXX did not include any proof of debt. 
When I reached out to Hunter Warfield on XXXX requesting information on our past email correspondences and the proof of debt, I was told I needed to get a court order for the emails and was disconnected from the representative.
Product: Payday loan, title loan, personal loan, or advance loan

I received late fees on a vehicle loan from Capital One, even though I have set up a recurring weekly payments. I believe there is a software glitch that is automatically charging late fees because of a preconditioned algorithm. I have only had the vehicle for less than 90 days and have received late fees twice. I was also told that every month I would then have to call the customer service line to have the late fees waved. This is a lost of my time and my patience. If the company is not refunding customers then this is fraud. The terms and conditions of the recurring payments says nothing about incurring late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Equifax is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. There were also no late payments in XX/XX/2020 or XX/XX/2020. I have the documentation as I am not sure what is wrong with the data on this account through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX 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
Product: Checking or savings account

XXXX referred me to your agency today. 
live at XXXX XXXX XXXX, XXXXXXXX XXXX 
A few months ago, I discovered I was the victim of mail and XXXX XXXX fraud involving a {$400.00} check I wrote on XX/XX/XXXX to the Navy Federal Credit Union, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
The check was for my estimated taxes paid to the XXXX Department XXXX XXXX. 

The state notified me in XXXX that I had not paid my estimated taxes. 
I checked and found that my check had been stolen, chemically " washed, '' a new payee added and the check cashed at the Navy Federal Credit union. 
I have attached a copy of the check and also an affidavit on XX/XX/XXXX, to my bank, XXXX XXXX XXXXXXXX XXXX and my police complaint. I also filed a complaint to the XXXX, Postal Service. 

XXXX XXXX has written repeated requests to the Navy Federal Credit Union to recover my {$400.00}. The Navy Credit Union has not responded.
Product: Checking or savings account

I am a VICTIM of being scammed out of money - which has been reported to the FTC ; XXXX ; Police ; and FBI. Scammer came into my life XX/XX/23 - I was upset with putting my XXXX XXXX XXXX XXXX  down - as she tried to escape the room we were in - haunted me - should have grabbed her and taken her back home - that vision stayed with me as I went into sites on the internet - when a scammer came into my life and convinced me he would be protecting my money - I still can't believe that I trusted him over financial institutions! He told me I was a victim of " XXXX XXXX ''! 
Since I was the one who withdrew money from the bank, they will NOT replace money under FDIC, even though I told them I was scammed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the Main Branch XX/XX/23 - XXXX withdrawn from 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 XXXXh As I told the FBI - who withdraws and turns money over to a scammer - he was " so good '' convincing me- spoke to me every day - I began liking and trusting him - now I am paying for being so XXXX! Last year I had money - now I am scraping pennies to survive- I wake up as if it was a bad dream and not a reality! 

Was hoping that the bank under FDIC would help me- but would not!
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX {$8700.00} was deposited into my account to buy a car. The money was in my account clear. The car company went to charge for the full amount it was declined. They then tried to charge my card for half the amount which was declined. Citibank then takes upon themselves to debit {$4900.00} to the company but no release the funds so they could receive them. They refused to release the funds or the rest of the money to make the transaction go through. I still have not been able to get the car my account is locked with over XXXX in it and Im just not hearing its due to a XXXX a day spending limit I never agreed to that no one will raise. I expressed to multiple that I would stranded behind this matter today and no one would help me resolve it. In fact they stopped answering my calls abs when they did they put me on hold and never came back to the phone. Citibank is terrible. I wouldnt do that to any enemy let alone a customer. They left me stranded and have my money locked. I cant get a rental car food nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a loan for a car from XXXX XXXX XXXX XXXX. All papers were filled out and the final step was to get a credit report. All three of the credit reporting agency 's have been locked. I went back to the office and entered the information to Experian. After they confirmed my identity they issued me a pin. 
I read the pin number over the phone to the banks credit department. They read it back so I know it was transferred correctly. About an hour later they called and said it did not work. I went back into the Experian site and this time I requested the PIN number be emailed to me. After one hour of waiting I gave up and went back into the site and asked again. This time I received a notice that stated.. " We are unable to honor your request for a single use Personal Idenification Number based on the information you entered. 
To request a single use Personal Identification Number Please mail us this letter '' Also include one copy of a government issued identification card such as a drivers license, state ID card etc. Also one copy of a utility bill, bank of insurance statement and a copy of your Social Security card. The letter goes on with other requirements. I am current locked out of a credit reporting agency until I complete there requests. Since I was breach at XXXX  with this same information, why would I send it in the mail without knowing it wold go to a secure location with secure personal and be destroyed securely. 
It is clear that they take NO responsibility for security. If you call Experian it is just answering machines unless you want to buy their Security package which the US governments mandates is free.