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

In XX/XX/XXXX, I called the finance company to make my last payment, as I always called in my payments. I was informed that I owed {$8500.00}, which I was unaware of what that was for. My last payment was only {$1800.00}. When I asked what the {$8500.00} was for, the representative was unable to tell me what the fees were for. He simply said he did not know, and the system did not indicate what the extra amount was for. I immediately disagreed and I followed up with a second phone call in XX/XX/XXXX, wherein I spoke with a different person, and that person again was unable to tell me what the charges were for. All he was able to tell me was that it was my balance due, and I needed to pay in full. I was getting nowhere by with my phone calls in attempting to get this serious issue resolved so XX/XX/XXXX, I decided to write them an email requesting a copy of my contract and full disclosure of my account payments, fees and any miscellaneous charges. I specifically requested for them to highlight the paragraphs explaining what the extra fees were for. NO RESPONSE WAS RECEIVED. 
NO DOCUMENTS WERE EVER SENT, CONTRACT WAS NOT SENT EITHER. 
I called again in XX/XX/XXXX, and again I was told they did not know what the charges were for, I just needed to pay the balance due of {$8500.00}. I called again in XX/XX/XXXX, and XX/XX/XXXX, the story was always the same. I decided to review my credit report to find out what they were reporting and noticed that throughout the life of the loan, no payments were reported late which confirmed what I was telling them that I did not pay late so I should not have any late fees. I called the finance company again in XX/XX/XXXX, when I noticed that they started reporting late payments and their actions were causing a negative impact on my credit by causing a decline of my credit scores. When I called them, I let them know that in the four years I called in to make my monthly payments, I was never told the payment was late, nor was I told there were any late fees added to the payments. I was never told the payments were late and I NEVER received a late payment notice by email or by mail. This was the FIRST TIME I had ever heard of any fees, which was strange because they waited until I called in to make the final payment. TO DATE, I have been told I have to pay the {$8500.00} if I want them to release the TITLE for my vehicle. I have since decided to start paying on the {$8500.00} even though my auto loan has been CHARGED OFF, instead of reporting Paid as Agreed. I am unable to make the full payment as they are requesting but will continue making monthly payments until this is resolved. PLEASE HELP!
Product: Credit reporting

I previously filed a complaint under " bank issues '' but since it 's a Credit Union apparently it does n't fall under that scope. The NCUA was notified but they have n't done anything. Since XXXX XXXX XXXX XXXX is now harming my credit with their incorrect reporting, I figure it 's best to file a complaint under Credit Reporting. Hopefully this works. 
I decided to switch banks from XXXX XXXX XXXX XXXX ( XXXX ) after getting married and open an account with my husband elsewhere. I did the responsible thing and took several months before actually closing the account, to make sure all pending transactions and automated withdrawals were completed. At some point I received a letter from XXXX stating that the account was negative. I sent a check immediately, along with a signed letter requesting that the account be closed. 

They cashed the check and I assumed the account had been closed. I did some research last month and found a copy of the check dated XX/XX/2014. It 's enclosed as an attached document. 

Following my request for it to be closed, I did not receive any statements or anything from XXXX, so I never thought anything of this, until earlier this year. 

For some reason, I received a letter from a collection agency claiming that I owed XXXX {$48.00}. I sent a response asking how this could be accurate, given that the account was closed years ago. They sent over information stating that a XXXX transaction attempted to go through, and thus the {$48.00} was overdraft fees ( although the transaction was declined ). Of course, had the account been closed like it was supposed to be, there would be no issue here. Apparently it never was closed, despite my written request. 

Fast forward to a few weeks ago when I noticed a negative item on my credit report in the amount of {$90.00} ( magically increased from {$48.00}, apparently ) from XXXX. 

Had they closed the account like they were supposed to, none of this would have happened. It 's not my debt. It 's their error. It needs to be removed from my credit report as this is having a substantial impact on my credit report. 

Any assistance you can provide would be greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX XXXX XXXXXXXX asking them to send proof with my signature for over 5 years just recently I sent them a police report and the company still fail to remove this student loan off my report I have also sent them my id .I have sent out over 1000 letters asking them to send me original signuature they have fail to do so XXXX XXXX XXXXXXXX I have reach out to them on numerous occasion over the phone they stated it will be removed.and yet it is not this is very frustrating just want this off immeadtly.i have also spoke with a young lady by the name of XXXX if that was her real name she stated to me that the company XXXX was being sued for fraud years ago and that I wasn't the only one going through this.
Product: Credit card or prepaid card

I paid my capital one cc ending in XXXX on XX/XX/18 the date it was due before XXXX I was charged a late Fee of {$25.00} for late payment after XXXX XXXX   even though I paid on time!!! 
I paid other capital one cards the same day same time and had no problem I am ell aware of the cut off time I asked two different reps To overturn the late fee, and they would not do it. 
This late fee is hurting me, as it is as much as my monthly payment! 
Please help
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accoun1ts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I recieved a notice from Bank of America that one of my accounts was to be closed. Upon receiving the notice, I call the bank and was informed that they can not tell me any other information regarding the closure and it was done at their will.
Product: Payday loan, title loan, or personal loan

I have talked with the Company and told them that I would be sending them money each month manually as I could ; since there is the Covid era going on and was short in monies to pay each month. 

They would not accept what I was saying ; and proceeded to call me at least three times a day from phone number XXXX to harrass me regarding paying the account. 

I already told them what I could do but they continue to call constantly!!! This is very annoying and rediculous as they should be grown and same people.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided.

Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe. FCRA 1681e ( b ) : Failure to main
tain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection.

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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

In XX/XX/year> XXXX XXXX reported my account XXXX late In XXXX which I wasn't late at all and once I disputed the XXXX late they Move the XXXX late to XXXX which I clearly submitted certified documents with the bank statement show it was paid but the never fixed the problem. Every time I filed a dispute they move the late payments back and forward from XXXX to XXXX to XXXX every single time! This company violated 15 USC 6801 AND 6802 and also 15 USC 1618B. If a representative of CFPB can get all the dispute results clearly seeing that its inaccurate in reporting is not acceptable and playing cat and mouse with dates and month of that closed account will see the reporting violation.
Product: Money transfer, virtual currency, or money service

We encountered difficulties with the following banking institution : TRANSFERWISE ( Delaware License XXXX / Statute : Section 2308 ( b ), 5 Del C, Chapter 23 ) TRANSFERWISE decided to close our accounts last week ( held in dollars and euros ), disable our access to online banking, without explanation, and without any notice.!! 

Since then, we no longer have any visibility on the cash flow of the company, and nobody at Transferwise seems to understand how catastrophic the consequences could results to their actions. Note that nobody on their phone customer support can explain or give us any information.! 

We try to contact them since XX/XX/2019, without success.! 

Our company is in danger and the risk of bankruptcy is real for us because they hold the cash of our company, USDXXXX $ : we can not pay anything ( payrolls, wages, rents, credits, etc ).! 

We understand that our company does not interest them anymore, and we will not appeal their decision, but they have no reason to keep our cash.! 

The days are numbered : we therefore urge you to intervene so that they return our cash, as we asked them by email several times.
Product: Debt collection

After refinancing a personal loan with a Company called Toledo Finance, I was unable to complete my obligation to repay the loan. I contacted them and advised that due to my current financial situation that I was not able to do anything. They said that didn't matter the money was still owed and they would continue contact me regardless if I asked them not to do so. Sometime its 2-3 time a day. I have tried to block their numbers, but somehow they still continue to call and leave messages. What are my options if they will not cease? They say that they have to " work the account '' regardless of my situations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the XXXX of the Federal Bureau of Investigation, or the XXXX 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.
Product: Credit reporting or other personal consumer reports

I need to dispute a late payment for a Kay Jewelers XXXX for XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Does reported are incorrect, dates the credit card was opened and closed incorrect and balance incorrect. as well as status of the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this account with XXXX XXXX and Equifax along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX and Equifax with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and Equifax report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax when Equifax was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and Equifax. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and Equifax. Now, removing all data from date of last payment and deleting payment history with Equifax changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while Equifax reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same XXXX XXXX  account as a total mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I included American Express in a bankruptcy 15 years ago and was discharged. My husband opened an Amex in XXXX and attempted to add me as an authorized user. After multiple calls I was told that until I pay them back I can not even use my husbands card. My credit is solid. We live in Texas. It is a mutual property state. They knew I was his wife when he applied as I was part of the application. I believe they are simply illegally attempting to collect a discharged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.
Product: Debt collection

Last XXXX XXXX, 2017. I disputed this item with the credit bureaus and I requested that the credit repositories contact this company to provide proper validation documents which I never received. However, the credit bureaus kept the account reporting in my credit file. 
This is a violation of FCRA and FDCPA on both parties. Also, this item has been removed by XXXX from my credit report. What makes this item valid with XXXX is a mystery. This is my last resort before getting a legal counsel involved.