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

In XXXX 1 bought from XXXX XXXXXXXX XXXX a XXXX XXXX XXXX that I had paid for 4 years at some point during the term I requested a payment extension due to the COVID-19 pandemic issue. They told me that some fees may apply. I need to mention that Global Lending Services is a financial company. Last XXXX when I was supposed to pay off the car I entered the Global Lending Service webpage that was my payment method and to my surprise, it said I owed {$1200.00} when the last payment was {$330.00}. I have talked with so many people about this including a woman that identified as XXXX 's collection manager. Yes, account in the collection before the end of the term. I request a reduction in those fees for being excessive. But was denied. Then I submit a claim for that fee. No answer regarding that. On XX/XX/XXXX without any letter or communication, they repossessed the car and requested a payment of {$1700.00}. After calling different managers including XXXX XXXX, and XXXX XXXX among others they offered to set the debt for {$990.00} and less than 15 days for that payment before they sold the car again. I requested a detailed letter of those fees and I got an email for just the {$990.00} of those {$380.00} repo charges and the {$370.00} late fee. So after paying {$15000.00} for 4 years they repo for a last payment of {$330.00} now the lot charges me {$170.00} for the return of the car already paid. That is what a company calls asset protection recovery. They confirmed that global lending services told them how much the lot would charge They also deleted the web page with the total amount due and all the history. But they still ask for {$1700.00} to pay off the car. Also, I noticed that the car has an electronic tracking device without my knowledge or consent. Violating state and federal laws.
Product: Credit reporting or other personal consumer reports

Im filling a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite submission, Equifax consistently responds within 24hrs stating the accounts are accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 1 ) XXXX XXXX opened XX/XX/scrub>/2023. 2 ) XXXX XXXX 3 ) mortgage services 4 ) Hard inquiries 5 ) XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote a certified to the furnisher EXETER ... .I have filed a CFPB complaint and on each occasion EXETER has fail to provide a sign application for credit thats sign by me giving consent to a credit inquiry. 

There should be no issues with providing such documentation if this inquiry is absolutely factual as the credit bureaus and EXETER persist.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I ( as an XXXX  ) transferred a fund from my XXXX bank account in XXXX with the amount of XXXX USD to a company XXXX XXXX XXXX XXXX in the USA to its account in Capital One National Association bank on the XXXX. XX/XX/2020 and got confirmed the same day that the fund was transferred successfully. But after nearly two months later on the XXXX. XX/XX/2020 when I checked my XXXX account occasionally, I found Capital One Bank refund XXXXUSD and took XXXXUSD of my money without any reasons, which made me feel very shocked! I contacted XXXX immediately asking about the issue, but neither I nor XXXX was contacted or got a notice earlier by Capital One explaining why they made the refund and the missing XXXXUSD. And it doesn't make any sense that Capital One made a refund after 2 months! What Capital One did to me is not reasonable and already caused my incalculable loss for my investment, and I lost the opportunity of the investment forever because the project is closed at present. 
I tried to contact Capital One but failed. There is no way to submit such complaints online or by phone unless their own customers. 
So I have to make a complaint here.
Product: Credit card

To Whom This May Concern : Please know that the timeline being shared below shows what occurred between me, the XXXX XXXX XXXX and the Genesis Credit Card company. The Genesis company has since gone out of business and the Concora Credit Card company has taken over. The current issue is now between me and the Concora company. 

A Brief Background... 
XXXX  : a couch was purchased at XXXX XXXX XXXX XXXX XXXX, for my aunt, who I am guardian of. Since I did not have enough money to pay for it, the salesperson introduced me to a Genesis Credit Card company rep, who was sitting at a desk at their store. I purchased the couch, for {$1900.00} and signed the Genesis contract. 

XXXX  : By this date, I had made a total of {$1700.00} payments, but noticed online, that my payments were no longer showing a decrease of the balance. So, I tried calling Genesis twice. The first time I called, the phone call was disconnected and the second time, the representative was not accurately able to respond to my inquiry. This is when and why I thought I needed to contact the XXXX. At this point, in black and white, I should have still owed XXXX XXXX XXXX XXXX for the couch, but my online account showed that I still owed {$1200.00}. 

XX/XX/XXXX : I learned through the XXXX that there was a date that I needed to pay in full for the couch by. While speaking with the representative in XXXX XXXX XXXX I was not told this. So, on this day, I agreed to pay {$470.00}, in order to close the account. Following this payment, I received an email from Genesis saying that I now owe {$510.00}. I read further into the contract, and learned that the maximum interest payment would be {$590.00} over a 10-year period of time. I had already paid an additional {$690.00}, still in XXXX  : I received an email from the Genesis credit company informing customers that they were switching their name to Concora credit company. I was offered another settlement, which I paid. I have been trying to increase my credit score and was notified that Concora made a complaint regarding lateness of payment, which has resulted in a decrease in my credit score. 
I can not take this stress much longer and that is why I've turned to you. I would greatly appreciate your guidance. Thank you very much, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2023 XXXX, Transunion, XXXX, XXXX XXXX, XXXX Subject : Demand for Immediate Removal of Late Payment Entries Under 15 USC 1681 Section 604 ( 2 ) and 15 USC 1666b To Whom It May Concern, I am writing in my capacity as a consumer, to address inaccuracies in my credit report, specifically regarding late payment entries. This letter serves as a formal request for the immediate removal of these entries, based on my rights under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ).

Per 15 USC 1681, Section 604 ( 2 ), I assert my right to privacy. This section stipulates that a consumer reporting agency can not furnish information about my account without my explicit written permission. The late payment entries on my credit report have been reported without my consent, thereby violating this statute.

Furthermore, under 15 USC 1666b, a creditor is prohibited from treating any payment on a credit card account under an open-end consumer credit plan as a late payment, unless specific conditions are met. These conditions include the requirement that the creditor must have adopted reasonable procedures to ensure that a periodic statement, including the information mandated by section 1637 ( b ) of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. The late payment entries on my report do not adhere to these requirements.

Therefore, I demand the immediate removal of all such late payment entries from my credit report. Failure to comply with this demand will compel me to initiate an arbitration lawsuit. Additionally, for every day that these unlawful entries remain on my report, I will add {$1000.00} to the demand balance as compensation for the damages caused by these inaccuracies.

I expect a response to this letter within 30 days of its receipt, confirming the removal of the inaccurate late payment entries from my credit report. Non- compliance will leave me no option but to seek legal redress for this matter.

Thank you for your prompt attention to this serious issue. I trust that you will act swiftly to correct these inaccuracies. This information will be reported to the ombudsman office state legislature and Atty general office.

All late payments that are reported should be removed immediately upon receipt of this letter. These are the following account that is reporting illegally and will be turned into the state legislature and CFPB and Atty General I have sent notices letting you all know of the illegal credit transactions reporting on my report.

Therefore I will file suit against all parties involved. 
The following accounts need to be removed immediately from these illegal credit transactions : XXXX XXXX XXXX XXXX  XXXX, closed balance remove this account immediately. 
XXXX XXXX XXXX illegal late payments {$5600.00} account : XXXX XXXX XXXX illegal late payments XXXX
Product: Credit card or prepaid card

Capital One Bank USA N has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. I never received notice of bill or notice. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and XXXX to have them removed but they still reflect
Product: Debt collection

This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX card thats on my credit report and the amount of {$930.00} that I have been fighting for years to have removed. They have removed it off of my XXXX XXXX Report  but they keep telling me they cant take it off with the other ones. My question is if this account is not mine. Why am I catching all kind of trouble getting it removed? Please help me with this matter. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information that was on my credit report. The negative information that i disputed was deleted from my report and then placed back on my report without notifying me. The information is fraudulent and should not be on my report. It is against the law to place something back on my report without notifying me. These accounts are negatively affecting my credit worthiness and is causing me to be denied for things. The account was removed XX/XX/XXXX and placed back on my report XX/XX/XXXX. Another account is XXXX  XXXX  which is fraudulent and does not belong on my report.
Product: Credit card

After dealing with USAA and being told that they would not update my credit because a payment had not been made I got the answer I was looking for. USAA acknowledged they were wrong and sent a letter to the credit reporting agencies on XX/XX/XXXX that they need to correct what was reported. USAA claims they removed the late fees attached onto the account. I asked that they credit the payment that should have been made in XX/XX/XXXX of {$80.00} and for the XX/XX/XXXX payment of XXXX. They are refusing to give credit of the {$80.00} or {$44.00} as they are claiming they did not get a payment from me, even though I authorized both payments to come out and their representative did not set up the payments. They acknowledged to me in a letter XX/XX/XXXX that I did have a payment set up to come out XXXX which led me to believe I in fact had the first payment go through. No one at USAA can tell me why I was never called after my first payment did n't go through as the account was behind before the payment was set up with XXXX from their member debt solutions team. I then received a letter on XX/XX/XXXX stating that I was behind and needed to make a payment. When asked why I was never notified they could not respond. When asked why they could n't credit the account they said because they never got the payment ... even though there is a letter stating otherwise and that payments were set up. I told usaa and offered to pay the balance in full if they credited the XXXX and the XXXX to my account and that that remaining balance could be and would be paid off in full. This company is turning away my money and still holding my credit hostage.
Product: Credit card or prepaid card

On XX/XX/2021 I have been in pain for 4 days, I finally found a dentist who proposed me to help but the only way I must sign a contract for a credit. I received a treatment plan with 5 visits where it has been clearly defined how they will proceed. After my first, I called them and explained I could not afford the credit bill it was too expensive. They told, they cant reverse the transaction, upon I completely agree to pay the treatment. Next, I reached out to the lender to ask if they could help me with the issue, but they also refused to refund me. I have been charged unjustly for 5 visits, while I only get one. Please I need help with this issue! Thank you
Product: Debt collection

I continue to receive a toll bill for {$54.00} that is erroneous. It's tied to a car that I have never owned or seen, and from a time period where I did not live in the state in question. When I called to clarify their error they said I need to " provide proof I don't own the car. ". It's a XXXX XXXX that again, I can't prove I don't own, because I know nothing about it. They dont have any information other than my name and make of the car. They can not prove that its my debt nor my car. They just keep harassing me via phone to pay something that I do not owe.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/year>
Product: Debt collection

A fraudulent account with XXXX XXXX  was opened without my consent using my social security number. They charged {$1100.00} dollars, and I never received a bill or was notified that an account had been opened in my name until the amount was sent to collections. I began receiving letters from Jefferson Capital Systems ( the debt collector ) about this amount owed, as well as daily phone calls requesting that I pay. I contacted XXXX on XX/XX/XXXX to dispute the charges as fraud identity theft, and after an investigation, they determined that I was not responsible for the charges on the account, and thus cleared any debt owed under my name in their system. They also said that they would send notice to all three credit bureaus that the debt was not legitimate. I also called Jefferson Capital on XX/XX/XXXX to try and clear the debt on their end, and they said they would open an investigation to the legitimacy of the debt. I gave them information regarding the results of XXXX 's claim dispute which stated that I did not owe the debt. The calls and collection letters did not stop. On XX/XX/XXXX I called XXXX again to check on the status of my claim dispute, since I was still receiving collection letters and daily calls. They told me that they would send another notice to the credit bureaus and to contact Jefferson Capital. I contacted Jefferson Capital again on XX/XX/XXXX and they again told me that they would dispute the claim. I stopped receiving collection letters and phone calls around XX/XX/XXXX, but when I checked my credit report recently, I saw that I am still under collections for {$1100.00} by Jefferson Capital. I called XXXX again on XX/XX/XXXX to make sure that the dispute had been settled, and they sent yet another notice to the credit bureaus and recommended that I dispute the fraudulent debt with the bureaus directly. I also filed a local police report for identity theft on XX/XX/XXXX detailing the situation. Thought I was a victim of identity theft and my name has been cleared of all supposed debt by XXXX, my credit report is still being negatively impacted by the {$1100.00} in collections by the debt collector Jefferson Capital Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a account with XXXX XXXX The account is paid per the credit report but this account continues to report with a bad payment history. This is not my account and under the fair debt collection practices, it 's illegal to report inaccurate debt. I ask for validation of this debt, signed contract, with my signature. I would be so grateful if this would be removed.
Product: Debt collection

This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Product: Debt collection

Experian is reporting a debt for XXXX XXXX XXXX on a debt I do not owe, and not mine. I have filed a police report, Case # XXXX. Experian is the only one reporting this fraudulent debt.
Product: Mortgage

I received a letter offering a refinance on my home. I called and started talking to the loan officer in XX/XX/2021. I applied for a loan in XXXX in writing online with Intercontinental XXXX XXXX. They provided a disclosure form with " worst-case scenario '' numbers that I had to sign stating I received this form. They had me submit several documents online to their portal with all my financial information. All was good. Credit score very good over 800. Was told in early XXXX I was "??? approved. They have changed the loan closing document several times, usually adding fees, reducing credits, increasing the current loan payoff, and increasing the new refinance loan amount. I have continued to make my current mortgage payments on time so the current loan payoff is decreasing. They notified my home insurer and had them change my policy to include them on the insurance policy, and they contacted a closing company to perform the closing. The insurance company and closing title agency have notified me about the process being completed. It is now XXXX and still no closing. The last communication was when this company tried to add fees to the loan for the delay and it is they that are delaying the process. I have called and emailed several times to the ( now new ) loan officer. Also, I have called and emailed several times to the loan processer person. I have also emailed their supervisors several times. I have written to the customer service department email twice. The title company has also tried to contact them On all of these attempts for communication and or resolutions, I don't even get a response. I want them to fulfill the loan I applied for. This has gone on for way too long. I am beginning to think they made a false promise to make me a loan. Maybe they are selling all my personal financial information. I don't understand why they would lie. They have not completed the loan
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have reported accounts on my report that were fraudulent. XXXX, Equifax and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.
Product: Debt or credit management

Ive used Lexington Law previously and currently never really seen results. Definitely hard getting in contact with this company for closure to any concerns me and my has pertaining debt consolidation. There was a big lawsuit against them misleading a great deal of plaintiffs including my self towards damaging credit of millions of hard working individuals perusing goals and being deceived. Im looking for closure and Im going above and beyond for justice in this matter.
Product: Checking or savings account

The checking account was closed without my authorization on XX/XX/XXXX. I was told that my remaining balance of {$110.00} would be issued to me within 7-10 business days. The funds were never received. 

On XX/XX/XXXX, I emailed customer support for an explanation and update on the status of my remaining balance. I was told that they are unable to help me via email. 

On XX/XX/XXXX, I spoke with customer support. An indemnity letter from the depositor ( my payroll provider ) was requested before they issue the remaining balance to me. I then spoke with my payroll department and indemnity was mailed as requested. 

On XX/XX/XXXX, I spoke with customer support again. The first indemnity letter had been rejected and a second indemnity letter was requested. I then spoke with my payroll department and second indemnity was mailed as requested. 

On XX/XX/XXXX, I spoke with customer support again. They said that they would attempt to return the funds to the depositor ( my payroll provider ) within 6 business days.