23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

First I was offered a XXXX. In credit to spend in store.Then was told I had to pay XXXX insurance to cover their loan. But was n't told.Noticed later on contact. Was charged 21 % interest over 3 years.on the cost of the money charged XXXX for the washer & dryer. I wanted more coveraged than just factory defects. So they charged me {$300.00} for extended service agreement. Never got copy of agreement of what it covers yet.I was told at that time that all the other fee 's tax did n't count toward my {$2000.00} that I still had {$1000.00}. To spend I told them I be back to spend later for XXXX. I 'm writing this in XXXX parts this is part XXXX cause I may run out on number of words ... I 'll try to get it all in..So I went back twice.once got art $ XXXX.then much later got XXXX T.V. 's. But they would n't let me spend what they said. I picked out lowest costing TV. They when we were done she did n't giuve me the contact like other sales person did. I was ready to buy the TV 's remember I was charged 21 % on washer & dryer. Now just at the end she says your getting charged 29 %. Keep in mind I 've already paid two payments on my washer & dryer in the same store. She does n't give me copy of contact says she 'll email it to me. So I was tired frustrated wanted to get my TV & get out. I looked at email later they charged me 32 % interest on the total amount not just TV 's. Plus I went to check my account over the phone they had Not applied my payments even yet. It had been two months sence I purchased the Washers and dryer. I had made in store payments they were not subtracted from my account yet. I have written twice about these issues but I 've been ignored! Plus she charged me another {$300.00} in insurance. Now keep in mind they charged me {$150.00} insurance on the washer & dryer. The {$300.00} on the TV, 's is not required. They charged me {$1400.00} for XXXX worth in TV. 's. that 's more than the items I purchased. You know this is not right! They charged that much for the washer and dryer. With the extend ed warranty! Their insurance only covers their loan not my items. Just pays off the loan if it stolen. I havnt got copy of any of the warranty 's yet. I am sending another letter with my next payment. Tell them that I will be writing to some others to help me in these issues.I will write to CCC consumer credit commission and BBB. But maybe your agencies will be enough. Your the first XXXX I 'm writing. They advertising {$20.00} a month payments or less on the washer and dryers but its nothing like that when you get to spend. My payment went to {$65.00} to {$100.00} a month which is unreasonable when they advertising much lower. I was told that they try to apply through XXXX which is XXXX but they said no. But when I ask the bank they said that they did not even try. Believe me I was happy to get the washer & dryer. Okay do you think I 've been treated fair I do n't. Think they need to refund the {$300.00} extra they charged on the television 's. And drop the interest back to at least 21 % ... .give me copies of all contacts and let me see payments that have been applied. Be able to see my balance go down.
Product: Credit reporting or other personal consumer reports

I was alerted by XXXX XXXX that an inquiry was made on my credit report by XXXX. 
Bank of America made an inquiry on my credit report for a credit card with XXXX XXXX. I DID NOT apply for a credit card with XXXX XXXX through Bank of America.
Product: Debt collection

account was included in XXXX XXXX  which has been discharged old bank account XXXXXXXX XXXX XXXX XXXX XXXX XXXX pass on to the stark collection age
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

Filed complaint with credit bureaus and they have continued to contact me from different numbers. They have mailed documents but have not provided all documents I have requested from the credit bureaus. They have not provided the proof the debt that was sent is from original creditor. Did they provide legal documentation of having the right to collect the debt nor shown proof they are able to legally practice debt collection in my state. They have not stated if the original creditor sold the debt to them of did they buy the debt from another collection agency. Also the collection Agency has not shown the amount the collection agency claim I owe them match that of the amount from the original creditor at the time of charge of, and to provide the 1099 form from the company, interest amount, closed date, payment history, and has past SOL.
Product: Debt collection

I was the victim of an accident and had to receive Medical Treatment on XX/XX/20. After I started receiving Medical Bills from XXXX XXXX XXXX  I gave them all the proper Insurance information. I have a great insurance plan and have never had any issues having anything Medical get paid by my insurance provider. My insurance plan is a 2 card system, in that I have a Primary and Secondary Insurance. Anything is not picked up by the Primary Insurance is always picked up by the Secondary. When I gave XXXX XXXX my Insurance information, someone assumed that it is a Limited Benefit Plan, but it is NOT. IF they would have called for verification, the Secondary Insurance Provider would have told them. Since they flagged by Insurance Plan as a Limited Benefit Plan, the medical bills were never submitted to my secondary insurance for this bill. All other bills regarding this accident, including an ambulance ride, were paid without any issues. Because of the length of time that it took to get this figured out, the bill was submitted to a Collection Agency and now sits on my Credit Report. XXXX XXXX XXXX has taken this out of Collections ( and out of Bad Debt ), but Alliance Collection Agency is still reporting this as a collection on my Credit Report. I need this taken off ASAP, as it is negatively affecting me in a very big way.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE TAKING WELL OVER 30 TO REMOVE THESE ITEMS THAT DO NOT BE LONG TO ME
Product: Credit reporting or other personal consumer reports

I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX, I currently live at XXXX XXXX XXXX XXXX NJ XXXX, My only Phone number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical collection account from Credit Systems added to my XXXX file after debt validation demand sent via certified mail.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

PARDON THE CAPS, BUT I HAVE JUST GOTTEN OFF THE PHONE WITH DISCOVER, XXXX XXXX EVENING EST. THEY HAVE CONTINUED TO BE QUITE DENSE AND AM AT WHITS END AND REALLY AT THE END OF MY ROPE HERE. I HAVE XXXX MAJOR DOCUMENT WHICH IS MY XX/XX/XXXX YEAR END SUMMARY OF EXPENSES INCLUDING ALL CREDITS AND DEBITS WITH ALL ACTIVITIES FROM XXXX PREVIOUS CARDS CARRIED OVER AS TRANSFER BALANCES, THE TOTAL REFLECTS THE AMOUNT OF {$12000.00}. THIS AMOUNT WOULD BE ADDED TO BE XX/XX/XXXX OPENING BALANCE OF {$5600.00}, I WILL NOT ARGUE THAT. I CALLED DISCOVER WITH THIS CASE AND THEY SAID GO BY THE PAPER BILLS, SO WITH NO LIGHT AT THE END OF THE TUNNEL IN SITE, I DID AND PAINSTAKINGLY CALCULATED ALL CHARGES FROM XXXX PAPER MONTHLY STATEMENTS AND CAUGHT AN ERROR/OVERSIGHT ( ATTACHED ). MY OFFICIAL TOTAL SHOULD BE {$20000.00} FOR XX/XX/XXXX, FURTHER LESS CONSIDERING I MADE PAYMENTS IN XX/XX/XXXX WHICH IS A INDISPUTABLE {$19000.00}. THEY WILL NOT RECEIVE ANY PAYMENTS NOR WILL I INCUR ANY PENALTIES UNTIL THIS ADJUSTMENT IS MADE AS I HAVE GONE OFF THE PAPER MONTHLY STATEMENTS. YOU WILL FIND ALL OF THIS ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors : 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. 

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau Transunion, XXXX, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
Product: Checking or savings account

WELLS FARGO CONTINUES TO CANCEL MY DEBIT CARD WITHOUT NOTIFYING ME. I HAVE HAD 4 DEBIT CARDS IN THE LAST YEAR. THE MOST RECENT INCIDENT WAS THE CARD WAS PUT ON HOLD OVER A PURCHASE OF SHOES AND THEN THE CARD WAS INADVERTENTLY LEFT AT THE POST OFFICE. SUPPOSEDLY A " GOOD SAMARITAN " CALLED TO REPORT THE CARD LOST. A NEW CARD WAS ISSUED AND WITHIN ONE WEEK I RECEIVED FRAUD CALLS FROM " SOCIAL SECURITY '', XXXX COUNTY JAIL AND OTHERS TRYING TO GET MY CARD INFORMATION. THERE WERE 2 FRAUDULENT CHARGES ON THE NEW CARD EVEN THOUGH I WAS IN POSSESSION OF IT. I BELIEVE THERE WAS A BREACH AT XXXX WHEN THEY ASKED ME TO UPDATE MY PAYMENT INFO. I GOT NO WHERE WITH XXXX. ALTHOUGH XXXX IS EXTREMELY CONCERNING, I AM MORE IRRITATED AT WELLS FARGO FOR NEVER CONTACTING ME OVER THESE ISSUES. I WILL NOTE THAT A MANAGE AT WELLS FARGO IN XXXX WI, XXXX XXXX, GAVE MY BANK ACCOUNT INFORMATION TO MY BROTHER XXXX XXXX IN 2016 WITHOUT MY PERMISSION
Product: Student loan

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Bureaus and DEPT OF ED/NELNET with no successful resolution. 3 Bureaus only reporting me late. There was definitely an error on their  part.
Product: Credit reporting

Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!
Product: Vehicle loan or lease

I have an automobile loan and they took an extra unauthorized payment on XXXX XXXX XXXX when I made a monthly payment on XXXX XXXX. They insist they did not take an extra unauthorized payment. When I paid the monthly loan amount on XXXX XXXX XXXX I was told and my account reflected " payment current ''. 

By taking the extra amount of {$450.00} I can not pay my other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier XXXX XXXX XXXX XXXX XXXX, CA. ). 

The consumer/ buyer notified XXXX XXXX of the fraud and a investigation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was launched. 

On or around XX/XX/2021 I had phone conversations with XXXX XXXX XXXX XXXX XXXX ) who confirmed that XXXX XXXX XXXX had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time XXXX XXXX XXXX has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( XXXX ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.
Product: Vehicle loan or lease

Dear Veros Credit, I am writing to address an issue with my credit report concerning an account that was written off as a bad debt by your company. It has come to my attention that I did not receive a Form 1099-C for the cancellation of this debt, which is necessary for my tax records. The absence of this form means the information reported is incorrect, affecting my financial standing.

According to 15 U.S. Code 1692d ( 2 ) and 15 U.S. Code 1681b ( a ) ( 2 ), I am entitled to accurate reporting and the ability to claim the canceled debt as a loss. The failure to provide the necessary documentation not only impacts my credit report but also my tax filings.

I kindly request that you : 1. Immediately issue the Form 1099-C for the canceled debt.

2. Correct the information on my credit report to reflect this cancellation accurately.

3. Confirm in writing that these actions have been taken.

If these issues are not resolved promptly, I will have no choice but to report this matter to the IRS and consider legal action to protect my rights.

I trust that you will address this matter with the urgency it deserves. Please contact me at your earliest convenience to confirm the steps you are taking to resolve this issue. 

Thank you for your prompt attention to this matter. 

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

Equifax has the wrong number for my SSN. Starting in 2020 customer service said to send copies proving my identity and correct ssn through the mail to their office in Georgia. I mailed this information 3 separate times over 2 years and equifax claims to never have recieved it. I was then instructed to file an online dispute and I filed 2. Equifax labeled these disputes as resolved however my ssn is still incorrect on equifax which has caused countless financial problems throughout my life. Equifax has made no effort to return any forms of communication even though I was told there would be a follow up to my issues. I have been trying to resolve this for over 3years and equifax should be held accountable for complicating people 's lives and making no effort to own or fix their mistakes.
Product: Credit reporting or other personal consumer reports

My Information was obtained and used to create accounts without my permission or knowledge. I would like to have this removed so I can move forward with my life.
Product: Debt collection

I received several emails from Bank of America about settling an outstanding debt for {$42.00}. I reached out to the company on XX/XX/2019. I spoke to a collection agent regarding the email and she started the settlement offer was still good. I agreed to pay the settlement amount for the collection per the emails that had been sent out. Bank of America received payment from my account. I later received an update on my credit report and it showed the account had been paid down but not settled as agreed. The company used unfair and deceptive collection practices and violated the FCRA.
Product: Checking or savings account

I allow a company ( XXXX  ) to access my checking account for investment purposes. My PNC debit card and a PNC credit card are linked to XXXX. XXXX  monitors the " change '' from my transactions on these cards and when I reach {$5.00} they deduct the amount from my checking account and invest it for me. I have been using this service for over 3 years and suddenly PNC bank will no longer allow my cards to be linked. I have reached out to both companies to attempt to resolve this with no success. Supposedly it comes down to a change in security that PNC has enacted. PNC has said I should be able to relink the cards and XXXX  says PNC will not allow it due to security changes. Basically they're pointing the finger at each other. This started in late XXXX. I have no idea what you can do, but I would like to continue using XXXX  and have had no issues with it. The bank seems to be the major obstacle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions