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

I just found out from doing a case search on myself that Credit Acceptance reopened a judgement from XX/XX/XXXX that was closed. Although I dont understand much of the case text, it appears the initial filing was XX/XX/XXXX, but shows a bankruptcy entry XX/XX/XXXX. Then on XX/XX/XXXX they sought garnishment & on XX/XX/XXXX there was a confession of assets. I know without a doubt I was never served any court notices, I absolutely didnt report or have any assets to report & the address they have on the reopened court record I left XXXX of XXXX. I did not have a stable address until XX/XX/XXXX. To my knowledge this is the result of a co-owned vehicle in which the other owner decided to take and would not give me knowledge of its whereabouts. I spoke to Credit Acceptance & told them what the co-owner had done in addition to me finding out he was filing bankruptcy. They informed me that the vehicle hadnt been paid on for over 3 months & the XXXX alerted them that it was uninsured. I asked if I was able to get the vehicle back could I try to make a payment arrangement and Id insure it. They only told me to recover the vehicle from him & involve the police if need be and at that point theyd help me resolve the balance & make future payments. XXXX days after I was able to recover the vehicle ( it wound up in my parking pad, no tags, title or registration & XXXX key in the seat ) it was repossessed. I had immediately called them to tell them I was in possession of the vehicle & asked about them helping me. The woman I spoke to was extremely rude, told me I was lying and shed have to talk to a supervisor and get back to me. The vehicle was gone and I never received a call back until days after they took it. At that point I was told that I couldve made a {$50.00} payment & began getting on track, but there wasnt an option to do anything now that itd been repossessed & ultimately Id still be responsible for the remaining balance. To my knowledge the vehicle sold at auction for a decent price and because of the down payment & prior payments made there was about {$3000.00} possibly less, I cant remember the exact figures, but it wasnt anywhere near the {$6500.00} judgement against me. When loan obtained in XX/XX/XXXX the sticker price was under {$10000.00}, leaving under {$7000.00} after the the down payment. At least thats what I thought & was explained at the dealership, but depending on which person from Credit Acceptance you were able to get on the line ( NEVER THE SAME & APPARENTLY NOTES WERE NOT CONSISTENTLY PUT INTO THEIR SYSTEM ) you would get different numbers, scenarios or blatant disrespect & disregard for you as a customer let alone human being. I have serious concerns for myself & if dealing with this company because I feel they are deceptive & believe they may of very well falsified documents & information in order to effectively get a judgment against me that I happened to find on my own.
Product: Checking or savings account

On Friday, XX/XX/XXXX a Citibank employee from a local branch phoned me and tried to sign me up for a " CHECKING PLUS '' account, which protects checking accounts from overdraft fees by " loaning '' the recipient a {$1000.00} line of credit and taking fees out of the checking account to cover the loan. I declined this service. I had a free checking account with direct deposit and automatic bill pay and this is not a service I needed. The call from XXXX came in during another call and lasted less than 2 minutes, and I went back to the call I was on. The Citibank employee not only went on to open this " CHECKING PLUS '' account without my permission, he also attempted to open a " CASH and CREDIT LINE '' loan, but the bank declined this. I NEVER AUTHORIZED THESE BANKING SERVICES. I have been trying to resolve this problem for over a year, once I discovered that the bank was taking up to {$37.00} per month to cover this loan. Moreover, this line of credit has massive hidden fees. I estimate that I have paid 3 times the amount of the {$1000.00} " CHECKING PLUS '' loan over the last few years. The loan is never paid down and the bank says I currently owe {$1100.00} ( estimated ) on this account. I include an example of the overcharging in the documents. For example, the first time it used, {$200.00} is taken from the " CHECKING PLUS '' account on XX/XX/XXXX. However, after that the statement reads after I owe {$390.00}. Where does this other {$190.00} come from? I have tried to resolve this problem with both the local branch and the national customer service/credit department to no avail. No Citibank employee can explain to me exactly how the " CHECKING PLUS '' account works, or why I allegedly owe {$1100.00} after paying thousands of dollars in fees over the course of four years. I claim that the opening of this " CHECKING PLUS '' account is an act of fraud by a Citibank employee, and that they have used this line of credit to overcharge me, take excessive fees from my regular checking account, and otherwise violate my rights as a consumer protected by state and federal banking laws prohibiting financial institutions from opening lines of credit or otherwise providing services with fees to consumers without their express permission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error in the debt collection that you have reported to the credit bureaus, as allowed under 15 U.S.C. 1681. 

I have reviewed my debt and payment history and it is apparent that the information you have reported is inaccurate. I request that you investigate this matter immediately and provide me with documentation that proves the validity of this information. 

Please understand that this error has caused me significant harm, negatively impacting my credit score and ability to obtain credit. I am hereby requesting that you take prompt corrective action to remove this inaccurate information from my credit report. 

Under the Fair Debt Collection Practices Act, you are required to conduct a reasonable investigation into the matter within 30 days of receipt of this dispute letter. I request that you provide me with a written report of your findings on this matter and any action taken to correct the inaccuracy in my credit report, as allowed under 15 U.S.C. 1681. 


After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX. A validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

I received a letter dated XX/XX/XXXX informing me of a debt owed to " XXXX XXXX for {$25.00}. Around the time that I received the letter I contacted XXXX to confirm that this is not the case, and they did confirm that my account is active with no negative balances or collections on it. At that point I decided to just drop the issue. Today XX/XX/XXXX I was clearing out my filing cabinet when I discovered the letter and decided to follow up with the debt collection company to see what was going on. I contacted Credit Corp Solutions on XX/XX/XXXX and informed them that this debt is not valid, that I have contacted XXXX and they have informed me there is no debt owed to them, nor is there a debt in collections. The representative did not believe me and instead told me I can pay the current balance or complete a fraud form. I then contacted XXXX once again on XX/XX/XXXX to confirm I have no balance, I talked to about 4 representatives who all confirmed there is no negative balance on my account, nor is there any collections for my account. I would like to formally complain about Credit Corp Solutions obviously fraudulent business practices. If need be I will obtain a lawyer to follow suit against this company to hopefully expose and prevent the fraudulent business practices this company partakes in.
Product: Payday loan, title loan, personal loan, or advance loan

OPORTUN INC./PROGRESO FI Loan was Closed XX/XX/XXXX was reported as Payment after charge off/collection Paid profit and loss. Still showing up on credit report. Since this company is reporting this as a charge off. I requested XXXX from them XX/XX/XXXX. As of to date nothing has been sent. I'm requesting that Oportun remove this off my credit report.
Product: Checking or savings account

On XX/XX/XXXX I had an overdraft fee of {$35.00} on my account. I called Wells Fargo and they said they couldnt give it back. So I went to BBB. After going to BBB. They had 10 days. Well they waited the whole 10 days and more. Wells Fargo called me and told me they were working on my case. So while they were working on my case {$310.00} occurred. They only refunded XXXX. So that still left me with XXXX. Which XXXX is what I am disputing. So my dispute of {$35.00} turned into XXXX. Wells Fargo is doing Fraudulent fees on people accounts. 
On XXXX the XXXX I had XXXX {$25.00} fees come in for XXXX charge but they said is from a {$5.00} late charge and the system can charge up to 3 times of {$35.00} fees thats what I was told on the {$28.00} of XXXX so now since my account is negative each day it charges me {$100.00}. Wells Fargo is charging customers fees and taking advantage of customers that they know cant afford the fees. That is Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Experian, XXXX, and XXXX. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

If the collection is from binance, Then it is about XXXX years ago, I downloaded binance .us app and create account, but immediately I deleted since It asked my Id to verify and I don't feel safe since is it from outside US . I deleted account. 

I got a call from Binance US and they said I owe them {$500.00}. I said I don't have account how I owe? They said I bought XXXX. I said how I buy XXXX  without paying? Can you buy something without providing payment? they said- okay you owe nothing, please provide your ID and we will take care of it. I said I am not telling you anything. 
and I hang up phone. Now I saw my collection reported {$170.00} I owe them. In these 1 year peroid I got several emails, phone calls but I ignored and finally they send to collection, and it went down my credit score from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

Experian is not reporting the updated balance in my XXXX account. 

I paid the entire balance ( XXXX ) of my XXXX account by XX/XX/XXXX. They have reported a decrease in my balance to all credit agencies. XXXX, XXXX, and XXXX XXXX reports have the correct statuses already. 

However, even by XX/XX/XXXX, this information was not updated in my Experian XXXX and XXXX scores. I requested Experian to update the information after confirming this with XXXX. 

I saw no change in my credit report after XXXX days. Because of this, I lost a {$3000.00} offer for my car purchase, as my credit scores were not updated on time. All XXXX and XXXX scores were up to the mark, and only Experian reports failed my credit inquiry. 

Experian shows updated information only after getting subscribed for a XXXX  XXXX month. I feel Experian is misusing public information and creating issues in the lives of people like me by not providing the right information in my credit report.
Product: Debt collection

This case no. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has been resolved in MEDIATION XX/XX/year> XXXX I never owed them anything it took me 1 extra day to move out an they wanted to charge a months rent since I wasnt out on move out date which was XX/XX/XXXX I was moved out the next day XX/XX/XXXX. The Manager who is very nasty an is a XXXX once after they lost in Mediation they WERE Mad an started making these furnishings bad reports on my credit FOR THE PAST 4 YEARS which had me homeless I am writing to dispute certain information contained in the credit report of XXXX XXXX, as maintained by your credit reporting agency. Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into the accuracy and completeness of the information on XXXX XXXX 's credit report. 


I have reviewed XXXX XXXX 's credit report and have identified discrepancies and inaccuracies in the information provided. The inaccurate information is damaging XXXX XXXX 's creditworthiness and may have a negative impact on his ability to access credit and financial services.

I am requesting that the credit reporting agency conduct a thorough investigation into the disputed information and take the necessary steps to correct any inaccuracies or errors in XXXX XXXX 's credit report. I also request that the corrected information be provided to any entities that have recently received XXXX XXXX 's credit report for evaluation. 

Please provide me with a written notification of the results of the investigation and any actions taken to correct the inaccuracies in XXXX XXXX 's credit report. Additionally, I request that a corrected copy of XXXX XXXX 's credit report be sent to the following address : XXXX I appreciate your prompt attention to this matter and your compliance with the requirements of the Fair Credit Reporting Act. Please feel free to contact me at ( XXXX ) or XXXX if further information or documentation is needed. 

Thank you for your cooperation in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX errantly charged me a unreturned equipment fee of {$770.00}. Although XXXX customer service admitted the error immediately, it took them 5 months ( from XX/XX/2022 until XX/XX/2022 ) to get their financial department to admit the error. They sent me a letter on XX/XX/2022 that stated theyve filed an amendment with all major credit reporting agencies for the account to be deleted. 

I submitted a dispute on XX/XX/2022 which included the above referenced letter from XXXX. As a result, Experian errantly updated the account balance from {$770.00} to {$0.00} and the status from Collections to Paid, Closed. This update made no sense as I never paid XXXX a cent after I canceled the service in XX/XX/2022. Either the charge was valid and both the balance and status should have remained the same or, as I contend and XXXX has confirmed, the charge was not valid and the derogatory remarks should be removed. 

I requested a reinvestigation on XX/XX/XXXX and resubmitted my documentation. This time it took Experian until XX/XX/XXXX to decide that, despite having a letter from XXXX that says the account should be deleted, the status should be updated to Paid in Settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau I recently received an update to my Transunion credit report on XX/XX/XXXX with XXXX added to my file. I have been battling with this company for years now and to date they have been unable to provide me any resolution and adding to my file destroying my creditworthiness. I am a victim of identity theft and Transunion takes this matter seriously therefore I am doing what the Transunion representative mentioned to do. 

I filed an original CFPB complaint in XXXX attaching my Federal Trade Commission Affidavit, and XXXX Police Report and was told by XXXX to send it again so that they can have the erroneous information removed. XXXX has been unable to provide me any documentation pertaining to the {$15000.00} amount reflecting that bears my signature nor ties me to any contract it's disappointing that a company would do such a thing to consumers. The company XXXX XXXX is destroying peoples lives and hurting my creditworthiness. It was deleted once and now 4 years later they are trying the same tactics. I hope that XXXX can see my hardworking in trying to fix my identity theft case and resolve this matter and remove this account please. 

Thank you Transunion for always helping me fight and you've been great at helping me fight identify theft. Identity theft is no fun and so very damaging. Thank you!
Product: Debt collection

Upon receiving a phone call from Capital One Bank and them saying I owed an estimated {$3500.00} for a credit card I told the person I never had a credit card with them with that limit. 
I do have a current credit card in good standing with Capital One but with a different account number and credit limit. I asked that they mail me verification that this account was mine. I then went to XXXX XXXX and saw that this was reporting as negative on my credit so I disputed through XXXX XXXX. Capital One had an address that was not mine and other false information on file. I received another call to collect the debt and discussed with this representative that this was not my account, in fact the address that they had on file was a non-existent address- a quick XXXX search showed that the street name they had did not even exist in my city. The representative asked for my mailing address so they could send the information I was requesting so I gave it to her. After a couple of months this account was turned over to XXXX XXXX XXXX. with an updated address that was actually mine so that when I disputed the account again it came back as " all accurate information '' when in fact the only reason they had my accurate information was because they had recently updated it.
Product: Debt collection

They have called and not left a message 4 times today alone. Three calls from XXXX and once from XXXX. When I called both numbers back and complained about their harassment, they got verbally aggressive and loud talking over me and then hung up on me.
Product: Credit card

I had XXXX XXXX XXXX credit card and when I originally made the purchase on the credit card but was declined. I then applied for a new credit card and was granted credit. I went to pay on the original balance of the card and somehow the payment went to the old account. I kept receiving statements, so I called to see what was going on with the card and they said I had not made a payment. I then paid the balance in full and the representative stated I should have received a refund of funds for {$160.00}. I let them know I did not receive funds for {$160.00}, so they requested a refund for me. 

I then received XXXX checks, XXXX that was cashable, the other is not cashable. I cashed check number XXXX. This check was due me and I cashed this check. 

I also received check XXXX which is not cashable and is over the 180 days in order to cash this check. This is what they are now charging me for on my credit card statement. I have spoken to them and they are stating it is too late to fix this and because I received funds, whether I cashed the check or not, I have to pay for this check plus late fees and it is going to collection ... and it is on my credit report. 

I do not know why they did not cancel the original refund or why I received both checks around the same time, however only XXXX check was cashed. The lady stated they do not have a way to check with their bank to verify if the other check was cashed or not, therefore, they assume I cashed it. 

I have attached copies of both checks and copies of statements including the one where it shows I am being charged for the refund. The check on the XXXX was the check that I cashed. The check dated XX/XX/year> was not cashed. I was originally due a refund for {$160.00} and I received a refund of {$160.00}. They never cancelled the original check. 

Can you please assist with getting this mix up resolved?