23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX. XXXX of The Law Office of Harris and Zide regarding a XXXX XXXX XXXX account ending in -XXXX. I responded on XX/XX/XXXX requesting debt validation of the XXXX XXXX XXXX  account ending in -XXXX specifically with proof that I am indeed the party that The Law Office of Harris and Zide are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I specifically requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX, I received another correspondence from XXXX XXXX. XXXX of The Law Office of Harris and Zide providing no authentic XXXX XXXX XXXX debt validation ( i.e., XXXX XXXX XXXX  credit card statements, original XXXX XXXX XXXX credit cardholder agreement, etc. ) or other detailed debt validation - actually, no debt validation whatsoever. I am filing this complaint as I believe XXXX XXXX. XXXX of The Law Office of Harris and Zide has violated my federal rights under 15 USC 1692g Sec. 809 ( b ) of the FDCPA along with the California Rosenthal Fair Debt Collection Practices Act. Lastly, I believe XXXX XXXX. XXXX is misrepresenting himself as practicing under the guise of a partnership of The Law Office of Harris and Zide when this company is not registered under California Secretary of State 's Office as a legal, practicing entity. XXXX XXXX. XXXX, advertised as Founding Partner, has been deceased since XX/XX/XXXX ; XXXX XXXX XXXX advertises himself as the Principal and Owner of The Law Office of Harris and Zide. Thank you.
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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 XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX Balance Owed : {$8600.00} XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$84.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX , SC XXXX.
Product: Vehicle loan or lease

I went in to the dealership to buy a used car. They suggested a lease instead. I said no to the lease because I did not want to pay a large excise tax on a new car that I did not own. They told me that because I was " leasing '' and not " owning '' that I would only have to pay one-half ( 45 % ) of the excise tax ( 90 % at full valuation ). When I told the salesperson my concerns she reassured me, along with a floor manager, that I would not have to pay the entire tax. 

As a result of this information, I signed the lease. I got a bill last week for the FULL amount of the excise tax. When I called the dealership to question this, I was told that they never told me I would not have to pay the full fax. 

If I had been told the truth, I would not have signed the lease. You will have to pay the entire 90 % of the new car valuation on a car you do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX CARD, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Payday loan, title loan, or personal loan

XX/XX/XXXX applied for a {$350.00} loan, filled out everything, got the loan. thought all i would have to do was pay off the loan, plus a small fee, and that would be it. 

What i didnt know until my loan was approved was the inetrest rate of 597 %. 

I did some checking, and also found out that they are not even licensed to do business in the state of CA where i reside currently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX has been deleted from my TransUnion credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX customer service, I was informed that they reported to all three credit bureaus XXXX, XXXX, Transunion on XX/XX/year>. However, Transunion has failed to accurately reflect this information on my credit report. Instead they deleted from my credit report.I will be uploading screenshots to demonstrate the discrepancies in the accounts listed, and report this matter to XXXX. 

Furthermore, Transition has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide TransUnion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Credit card

I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Payday loan, title loan, or personal loan

I took a loan with XXXX XXXX on XX/XX/XXXX when I need necessary car repairs and had no other options. I signed an agreement and tried my best to make bi-weekly payments of {$71.00}. On XX/XX/XXXX I sent an email to the customer service dept. explaining I was having difficulty making the payments and could they please lower the interest rate or work with me to make smaller payments so I could pay back the money faster. They refused and I have been bombarded with text messages, and calls ever since. 

A recent text message offered me the chance to get my account back on track if I paid {$10.00} and then set up a once a month payment. I paid {$10.00} on XX/XX/XXXX and then had set up a payment of {$100.00} on XX/XX/XXXX and thought from what the email indicated they would be taking a {$100.00} payment per month going forward. However, they took {$71.00} on XX/XX/XXXX and tried to take the additional {$100.00} on top of that. I have contacted my bank to stop any further EFT withdrawals from this company as they seem to do what they want and I can not afford to have unexpected withdrawals from my account. 

I feel like this company is taking advantage of people who have no other means of getting assistance to pay for unexpected expenses and are just setting people up to fail with charging almost 100 % interest rate!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, 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 an account without my written instructions. 
I do not owe this debt collector.
Product: Bank account or service

I RESPONDED TO A CITIBANK , N.A . PROMOTION WITH CODE : XXXX ON XXXX2016. I OPENED A NEW CHECKING ACCOUNT AND HAD UNTIL XX/XX/XXXX2016 TO DEPOSIT {$15000.00} AND MAINTAIN THAT BALANCE FOR 30 CONSECUTIVE CALENDAR DAYS. AFTER 30 DAYS I WOULD HAVE A {$400.00} BONUS DEPOSIT INTO THE ACCOUNT " WITHIN '' 90 CALENDAR DAYS AFTER THAT DATE. I MADE THE $ XXXX DEPOSIT ON XXXX 9,2016 AND MAINTAINED IT THRU XXXX2016 ( 30DAYS ). I THEN WAITED 90 CALENDAR DAYS STARTING XXXX2016 THRU XXXX2016 ( 90 DAYS ). I DID NOT RECEIVE THE {$400.00} BONUS. I CALLED THEM ON XXXX XXXX AND XXXX XXXX, 2016 AND THEY GAVE NO EXPLANATION AND SAID I COULD ONLY FILE A COMPLAINT EVEN THOU MY STATEMENTS VERIFIED MY TRANSACTIONS. THEY SAID I COULD WAIT UP TO 30 MORE DAYS FOR A RESPONSE AND WOULD NOT ALLOW ME TO DISCUS ISSUE WITH THE PROPER DEPARTMENT. I COMPLIED WITH ALL REQUIREMENTS FOR OVER 4 MONTHS NOW AND WANT THE {$400.00} THEY PROMISED IN WRITING IN 90 DAYS. THANKS FOR YOUR HELP.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer since XX/XX/year> and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXX/XX/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

I received a advertisement for an Apple Card advertisement describes it as a credit card it also goes into how you will receive a titanium card nowhere does it say anything about only exclusive to XXXX customers or XXXX devices does say limited perks if you do not have XXXX devices find out only after applying for this credit card and getting approved that they won't actually give me a physical card because I don't have an XXXX or an XXXX so I have no way to request XXXX nowhere in the fine print does it say anything about this just that after I got accepted to request my titanium card I have to use my XXXX device to do so so I called them and asked him how I can just get a regular credit card so I can use my account and they informed me that I can not all I can use it for is the Apple Store I said since I don't have XXXX devices why would I use it for the XXXX XXXX clearly none of this makes any sense and they've done nothing but mislead and misguided me and now they're destroying my credit that is nearly flawless something needs done about this is his false advertisement and it is very misleading it is not a card whatsoever it is an XXXX XXXX plan not a credit card and they should have to list it as this has no benefit anybody that doesn't use XXXX devices and it should be boldly stated on all advertisements they have I would wish to seek damages if I knew how to go about it
Product: Credit card or prepaid card

We have Citi Costco card when Costco switched over from XXXX XXXX. We did not always get our monthly bills consistently. We payed on time by checking online but two of the years ( XXXX & XXXX ) we did not get our reward certificate. We called their support number and was told to go to Costco when we wanted to purchase and they would be able to assist us. At Costco, they told us that it was a Citi bank issue and they don't have the reward. We have been told the total for those years is {$1000.00}. We have asked them to check call recording to verify what the Citi representative told us on the phone but they won't honor what they told us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to let Transunion there was a address wrong on my credit report.
Product: Debt collection

I had a private loan to pay down credit cards used to pay for XXXX XXXX XXXX creditor with contract was XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. I had automatic payments and was never late on payments. In XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX they closed my account and it appeared XXXX balance on my credit report. 
XX/XX/XXXXXXXX XXXX XXXXXXXX and Shellpoint started calling me directly and my family members trying to collect a debt that I never had with them. Today XXXX XXXX they sent a certified letter to my moms husbands house where I no longer live threatening to sue me and make me responsible for all of their related expenses on top of my alleged debt. 
XX/XX/XXXX I was in a car accident that left me XXXXXXXX XXXX XXXX XXXX receiving only XXXX benefits. In XX/XX/XXXX I was released back to work with some weight restrictions and then I got fired illegally. I need help, I dont have money to fight this company to stop calling me and threatening to sue me.
Product: Credit reporting or other personal consumer reports

It has come to my attention that CAPITAL ONE is reporting a credit card account titled SPARK BUSINESS XXXX to my individual consumer credit reports with XXXX, XXXX, and XXXX XXXX Per 15 USC 1681a ( c ) consumer means an individual. I demanded CAPITAL ONE remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a XXXX XXXX XXXX named XXXX, XXXX with an IRS issued XXXX. 

I called CAPITAL ONE 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is CAPITAL ONES policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of CAPITAL ONE as no persons policy overrides federal law. 

If CAPITAL ONE continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.
Product: Credit reporting

In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX LEND Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  COLL Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX/RBT Date of inquiry : XX/XX/XXXX ; XXXX  CRE Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX  LENDING SERVICE Date of inquiry : XX/XX/XXXX ; XXXX  FINANCIAL Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX FINANCE/XXXX Date of inquiry : XX/XX/XXXX ; XXXX CREDIT  XXXX Date of inquiry : XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

this company says I still owe {$14000.00} yet I have been paying on this car loan for over 6 months interest is outrageous
Product: Vehicle loan or lease

I purchase a vehicle in XXXX XXXX XXXX  from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... there were documents that were fraudenly sign such as the truth and lending statement. At that time amount financed wasXXXX. They did my financing through Credit acceptance I got a past due notice because nobody would call me back. the past notice showed my balance XXXX i had made all my payment accept XXXX and now going into XXXX... i do not understand how my balance went up so much, the additional fees charged, and the settlement charges listed on my bill of sale.I want credit acceptance to send me what fees were charged, what my interest rate is and all documents that were signed supposedly by me. i want to get someone to contact me with this information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX act is being ignored and may need further actions on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removing Freeze from Experian way to problematic. The phone system is circular. who is writing letters when you can fix somewth9ng over phone or digital. The security questions do not take into consideration mortgages are sold so it is very possible one will not know the new mortgage company name. a live person option should be mandatory. 

The consumer needs better choices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying unfreeze/lift a credit freeze on myEquifax online but I get an error on the website and it showed a number I should call. The agent I talked to can not find my record using my SSN or personal details ( birthday/address/phone number ). They recommended that I mail them a copy of my SSN, license, address to a XXXX XXXX which I am hesitant to do. Since I was able to create my account on myEquifax and see that my credit has a freeze on it, then I believe they should be able to find my record. I hope you can assist me.
Product: Debt collection

In XX/XX/XXXX, we sold our home located at XXXX XXXX XXXX XXXX XXXX, NC. We had utilities with XXXX XXXX and a balance was left on the account without my knowledge. On XX/XX/XXXX, a cashiers check from XXXX XXXX XXXX XXXX was sent certified mail to Helvey and Associates for {$420.00} ( the collection company collecting on behalf of XXXX XXXX ). The check was received on XX/XX/XXXX, at XXXX XXXX. 

On Saturday, XX/XX/XXXX I received a notification on my XXXX XXXX app that my credit score had dropped. When I checked I saw an item in collections that was added on XX/XX/XXXX, for XXXX XXXX under Online collections services in XXXX, NC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX XXXX Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit  reporting. 

We contacted the XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, Durham & Durham to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact XXXX to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and XXXX we have had no change in my credit report. We discussed the matter in detail with XXXX ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the debt collector and bureaus about XXXX XXXX XXXX reflecting on my credit report. I request validation from bureaus they removed and reinserted without given me the proper notice on why? I contacted the debt collector and they sent me my medical details violating my rights. I did not sign a hippa release form for them to have that information. I contacted Equifax and XXXX about the hippa violation and the failed to remove the collection from my report.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of XXXX XXXX. Please consider this letter as a formal dispute regarding the following accounts. I have already contacted all the companies directly and followed the necessary steps to address this issue. Additionally, I have filed an identity theft report with the FTC and have reached out to each company to dispute the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX