23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Hello, We leased a little XXXX XXXX XXXX in XX/XX/XXXX. However, personal circumstances required us to move to XXXX ( I 'm XXXX ) thus I called the leasing company in XXXX XXXX in regards to early termination. The agent told me that I had to pay an early termination fee of about {$900.00} and all I need to do is to return the car. 

I decided to return the car in XXXX of XXXX and received a receipt for returning the car ( XXXX XXXX with XXXX miles on the odometer ). Then we continued to receive bills from Chrysler Capital and I called several times to tell them that we had returned the car. I asked repeatedly when I would get the final bill from the early termination fee and every time they said it should come soon. 

Finally, on XXXX XXXX I received a call from Chrysler capital that they had sorted it out and that the dealership made a mistake ( there is a technical term for that I forgot it but basically they temporarily 'lost ' the car ) and that I would receive the final bill after the car was sold. This was new information to me, on the call I had in XXXX it was clear that it was around {$900.00} - now the story is that they will need to sell the car first and I pay for the difference between their price and what they are able to get at an auction. This is apparently in the contract under early termination but it was n't explained to me nor is it clear from reading it ( the process is not described ). 
Today ( or rather yesterday ) I received a letter that outlined the same amounts that are under the early termination + adminsitrative charges. Basically, I 'm liable now for around XXXX and it says nothing about the process of when the car is being sold and when I will learn of what the actual difference is. 

Thus from my side:1. The process information was new and that I also pay for the difference of what they are able to sell the car for. Had I known that earlier I would have acted differently ( most likely I would have shipped the car and sold it myself in XXXX ; we would have had that option then ) 2. I have no control over that price whatsoever when they auction off the car and I have no insight in how that price came together and if that was in fact the price. 
3. In the meantime, we 've moved abroad - they have wasted 4 month of dealing with this which means the car is 4 month older now and I 'm not longer around to act. 

I still do n't know what the final bill is for the car but I 'm concerned that they have very little interest in getting the best price and/or can basically tell me anything and I can no longer influence that because I 'm no longer in the XXXX. 

I might be an exception to the rule because we moved abroad but I would assume that the way these early termination clauses are structured and the way it is explained is probably a general issue in this industry. I 'm happy to provide all required documentation and reference because I feel there is clearly something wrong here. Also, we 're now using a mailbox forwarding services in XXXX ( originally from XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in 2023 but posted late due to XXXX delays. 
Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties. 
Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.
Product: Checking or savings account

Opened checking account in late XXXX, 2018. Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days.

I completed the requirements. Citi has not paid the bonus. Contact them numerous times.
Product: Mortgage

Lakeview Loan Servicing , LLC ( Lakeview Loan ) has reported a security incident involving unauthorized access to Lakeview Loans file servers, which was identified in early XX/XX/XXXX. 
The companys investigation determined that an unauthorized person obtained access to files on Lakeview Loans file storage servers from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, Lakeview Loan began mailing notification letters to individuals whose information may have been involved in the data breach. 

The accessed files, according to Lakeview Loan, were reviewed by its investigation team to identify the content. The investigative review process, according to the company, generated a preliminary list of individuals whose name, address, loan number, and Social Security number were included in the files. 

I receive a notice and was only offered one year of a free identity monitoring service.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent in a copy of my driver 's license & social security card to verify my name and social security number, I asked them to update my profile to reflect my true full name suffix included because they have been mixing my files with other family members who share similar names with mine, I also asked them to remove addresses where I never resided. They updated my profile to show my true birth name as also known as.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Important dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - vehicle turned in via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX XXXX debt owed and that I had turned in the car to XXXX XXXX Have XXXX XXXX XXXX XXXX this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXXXXXX XXXX XXXX XXXXXXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take XXXX XXXX to deliver XXXX - reach out to head XXXX XXXX who has yet to respond
Product: Debt collection

The company sunset finance has been harassing me by frequent phone calls collecting a debt that I owe. I explained to them that I lost my job and they still continue to harass me everyday.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA. 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 XXXX XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) & 15 USC 1692c Responsibilities of Furnishers : 15 USC 1681s-2 & 15 USC 1635 & 15 USC 1692g The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints against Trans Union for their unlawful practices, violating my consumer rights. I have not authorized Trans Union to report any information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Trans Unions failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Trans Unions failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This failure to prove the alleged debt is attached to me is a violation of my rights under federal law. I requested verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, and I have not received anything. It raised concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me and this is a violation of the FCRAs requirement for a permissible purpose in reporting credit information. I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Trans Union fair opportunities to rectify this issue, but my credit file is still being bullied around.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/2021 Certified Mail Return Receipt required BY EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Email : XXXX Resurgent Capital Email : Re : XXXX XXXX Account Number XXXX- XXXX Account Resurgent XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX XXXX Account Resurgent XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

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

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


1. XXXX XXXX XXXXt # XXXX has violated my rights. 



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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Checking or savings account

On XX/XX/2022, I went to change the last name on my Bank of America accounts to my married name. My name has already been updated with social security and through the State of XXXX. I have a social security card and driver license with the new name, plus an imaged copy of my marriage certificate. The original marriage certificate is with the passport office so a new passport may be issued. I will not receive the original certificate back for several weeks. Bank of America will not update the name on my account without the original marriage certificate, despite my legal identification documents showing the new name. This goes above and beyond what is required for a Customer Identification Program under the Patriot Act Based on a XX/XX/2022 press release issued by the CFPB discussing unfair discrimination in consumer finance ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-targets-unfair-discrimination-in-consumer-finance/ ), I believe Bank of America 's practice to require a marriage certificate for a name change treats women unfairly based on sex and familial status.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> disputes were sent to XXXX in an attempt to verify the information on my report. XXXX was asked to provide a debt validation letter along with proof of alleged debt that company claims was owed prior to having this reported on credit. XXXX was asked to check on the following accounts : Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX Accounts details were not provided other than the same information seen on credit report and Experian.com. Disputes were " updated '' as per XXXX and XXXX is reporting each of the debts on credit report. Additionally, the disputes are showing as credit card utilization when none of these accounts are open and are shown as charge offs by each company. Disputes were also made specifically to Midland Credit Management and XXXX XXXX XXXX. As per company website companies are not licensed to collect debts in XXXX. A request for licensing information and licensing numbers for each was sent also asked to be provided and was not. There is an additional charge off from XXXX  XXXX XXXX that has a civil judgement currently open. A request to correct the misleading information being reported by XXXX  XXXX XXXX be corrected and it was denied. The account is currently being reported as a charge off and is showing in credit card utilization. A request to cease negative reporting was requested as active payments are being made but this was denied. Furthermore, not one alleged debt reported as a charge off has sent proof of 1099-C which is required by the IRS when a debt is considered cancelled or forgiven. Credit reports have been frozen across all 3 reporting agencies and not new debts have been reported or opened yet score continues to drop to the lowest it has even been with zero new debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 XXXX  DAY DEMAND XX/XX/2020
Product: Credit reporting or other personal consumer reports

Discover is reporting inaccurate and incomplete credit information which is now negatively affecting my livelihood. 

OFFENSE 1 : Discover is reporting my account as " charged off '', however, I never received a 1099-C ( cancellation of debt ) which is a lawful requirement explained in the IRS 2021 publication if they are reporting a charge off.

The below paragraph is taken directly from the IRS 2021 publication : " The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. '' OFFENSE 2 : Discover is reporting grossly inaccurate consumer information.

Whether or not I receive a Form 1099-C from Discover, any cancelled debt must be reported as gross income on my tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Discover 's reporting of my account inaccurate. 

Discover has a DUTY to report accurate consumer information under 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. The below paragraph is taken directly from this federal statute.

" 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. '' Discover 's failure to lawfully produce a 1099-C ( cancellation of debt ) document while reporting a canceled debt to the three major credit buries proves THEY ARE KNOWINGLY providing inaccurate consumer information.
Product: Debt collection

On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy protection where I listed the Chase Manhattan bank as a creditor for the alleged {$1300.00} approx that they claim I was overdrawn. 

At such time the automatic stay went into effect which prohibited the bank from collecting on the money unless, the court lifted the stay or I affirmed the debt. neither of which happened Chase on XX/XX/XXXX decided to end our business relationship without telling me and a full week after the federal court stayed all recovery or collection activities; knowing this I had a wire transfer from my company placed into my account ; not only do the Refuse to give me my monies either by cash, cashiers check or wire elsewhere, I was told that they will mail me a check after they illegally collect monies included in a bankruptcy proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 

I originally had a collection account with Quality Asset Recovery ( Company 1 ) and then the collections was bought out by XXXX XXXX XXXX, XXXX XXXX ( Company 2 ) to which I paid in full the entire account as of XX/XX/2019. After XXXX, I noticed that the collections were still not removed from my XXXX XXXX and repeatedly called both companies to try to resolve the issue. Company 1 claims that they will not remove it off my report because I did not pay them. Company 2 says that they called Company 1 saying I paid in full. I called the ORIGINAL lender and they told me that the amount of what I paid is correct for Company 2, so I know that the entire account and all of the invoices listed are now paid in full.

To date, and 5 months later, there are three collections still on my credit report even though I have called everyone many, many times and even filed disputes to correct this and close the accounts. Company 2 said they even mailed information over to all credit agencies, but I have no record of them doing so. Additionally, they now state that I am not allowed to call Company 1 because they hold my account. I just want this off  of my credit report, hopefully as of XXXX, since I am trying to build my credit and this has been a thorn in my side for months. I never get a complete answer.