23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

back in XXXX of 2014 I purchased a car from XXXX XXXX. We financed our car thru FlagShip Credit Acceptance for XXXX. After about a year I decided I would take my tax return and pay the majority of the car off. I called FlagShip not only to find that they had transferred my car over to another company ( XXXX XXXX XXXX ), but my rates and payments went up. I was never informed of this until the day I called. They proceed to tell me I needed to make a payment because my monthly payments had gone up months ago. I was never aware. I went from financing the car for XXXX to having credit acceptance take over and them saying they changed the finance to XXXX. The car alone is only worth XXXX. After talking to legal aid they suggested I repo the car. I just had a baby. there was no way I could afford XXXX monthy rent, XXXX utilities, car insurances, renters insurances, car payment, and feed my family at the same time. I was only an XXXX when I bought the car and got promoted to XXXX after my daughter was born. Last week I spoke to XXXX from XXXX XXXX XXXX in XXXX, CO. He informed me everything that has happened between FlagShip and XXXX XXXX was not legal and they took advantage me. He then told me to contact you guys so I can make a complaint.
Product: Checking or savings account

Good afternoon, I am writing this to express my disappointment in Capital One Bank. I have been banking with your institution for quite some time, and hoped that it would continue. However due to a recent occurrence, it is unclear if this will be possible. I receive direct deposits to this account, and also have many automatic withdrawals set up, and it would be a great inconvenience if I feel the need to switch banking institutions. 

In XX/XX/XXXX, I purchased an item from a company called XXXX XXXX  XXXX. The item was delivered after it was needed so I no longer had use for the item. I contacted the company directly, for return/refund information. I was given the return address and I overnighted the item back to the company via XXXX  XXXX. The package was successfully delivered, and signed for the next morning. 

After multiple days, I had not received any communications nor a refund from the company. I reached out to the company in the same manner as before, with no prevail. The company failed to respond to any of my messages. I still have not been able to reach the company, still. 

I filed a claim with Capital One, after not receiving a refund for the item. Capital One provided a credit for the amount of {$530.00} to my account. To my surprise, on Thursday, XX/XX/XXXX, I received an email stating that the claim was denied, and the amount of {$530.00} would be taken from my account. I called the claims department immediately for information and they stated that the company told them that they have a No Refund Policy. I explained to the representative that I have communications from the company stating that I could return the item for a full refund, along with the return address. I also expressed my concern with them saying the company simply told them they have a No Refund Policy. If a company is a scam business, or operates unethically, this would be the obvious answer to the bank. Furthermore, the website does not indicate said policy. The representative asked for me to email the communications with the company, along with proof of delivery. I did just that, only to receive a response email stating that there is basically nothing you can do. 

Not only do I find the As previously communicated verbiage to be rude, but also unprofessional. I am extremely disappointed in the investigation, or lack thereof. I have provided proof and receipts that I was promised a refund that I never received. I do not have the item, and am now being told I am out of {$530.00}. I am a young woman, who relies on her funds to survive, and losing out on this amount of money disrupts my life and financial obligations. I am sincerely asking for your reconsideration in this matter. Please look at the proof and receipts provided. The company has failed to respond to me so I have no way of getting in contact with them. It is my deepest hope that this matter will be resolved. Thank you for your time, and hopefully your considerations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brother informed me that I received a letter in the mail from where i used to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX XXXX {$430.00}
Product: Debt collection

I have sent several letters over the last month to this collection agency requiting that the validate not verify my information. As of today they have not sent me anything in writing that proves this belongs to me, that I owe what they say, and have not provided me with documentation with my signature showing that I authorized the said services or account. According to FCRA validation included everything listed above, and they have failed to provide this information. They have now violated my rights under FCRA and are subject to violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX In that the actual APR was overstated by 10.109 %. 
The stated APR equals 27.872 %, finance charge {$35000.00}, amount financed {$33000.00}. Finance for 72 months. 

Finance Charge = amount financed x loan-term ( years ) x XXXX = {$33000.00} x XXXX x XXXX = {$33000.00} x XXXX x XXXX = {$55000.00} CORRECT FINANCE CHARGE PER APR IN CONTRACT APR = Finance Charge Amount Financed x Loan Term ( years ) x XXXX = {$35000.00} / {$33000.00} x ( XXXX ) XXXX = {$35000.00} / {$190000.00} x XXXX = XXXX = XXXX XXXX Correct APR VIA CONTRACT XXXX - XXXXXXXX XXXX XXXX XXXX OVERSTATED APR by XXXX XXXX Finance Charge Difference = {$55000.00} - {$35000.00} = {$20000.00} UNDERSTATED FIN CHRG by {$20000.00} Finance Charge using correct XXXX = {$33000.00} XXXX XXXX XXXX XXXX XXXX / XXXX = {$33000.00} XXXX XXXX XXXX XXXX = {$35000.00} ( {$35000.00} )
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

I received a threatening " time sensative '' letter from Bank of America on XXXX/XXXXXX/XX/2015. The notice was in regards to a Partial XXXX XXXX they 're servicing on behalf of HUD. I was to sign these documents along side a notary and return them to Bank of America. Bank of America told me to contact them and they will send a notary to me. I comtacted them XXXX times, and no one could help me because my SPOC was never and has never been available. I even scheduled a time for someone to call me and they called on the wrong day and time. I am a single mom and am trying to do everything possible to save my home. I feel as if Bank of America is pushing me into foreclosure on purpose. I do n't even know what my SPOC sounds like because he has not XXXX contacted me. The craziest part of it all is that if your SPOC is n't available, their policy is that NO ONE else can assist you. How do they expect a customer to know anything if your SINGLE POINT OF CONTACT does NOTHING to contact you and help you save your home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with the Experian Credit Bureau. I've sent them several letters ( 8 total ) throughout the last 2.5 years with no help in regards to removing inaccurate and unverifiable information still being reported on my credit report which is now gotten to the point of defamation of my character and holding me back from moving forward with my life. I have letters I've sent them, copies of my certified letters sent via USPS and receipts, copies of my letters sent to Experian on XX/XX/XXXX ( first letter ), XX/XX/XXXX ( second letter ), XX/XX/XXXX ( third letter ), XX/XX/XXXX ( fourth letter ), XX/XX/XXXX ( fifth letter ), XX/XX/XXXX ( sixth letter ), and they did nothing to resolve all my discrepancies. I had to restart over with new letters to address again, also recently followed up with proof of my certified letter receipt dates and letters sent on XX/XX/XXXX ( first letter - 7th letter total ), and XX/XX/XXXX ( 2nd letter - 8th letter total ) - so in the last 2 and a half years ive sent over 8 letters to Experian with full details ( and have proof of all letters if needed ) trying to resolve this. Experian still to this date has not provided me my request to provide the actual physical proof of the full investigation of how this information is correct. It is not, and must be removed. XXXX XXXX XXXX XXXX and also XXXX XXXX ( auto loan ) to be deleted and removed from my credit report entirely. Experian still to this day is reporting a balance on both, and still reporting monthly I am late. This is against the law of the credit reporting agencies to do. XXXX XXXX says it is held with a 3rd party agency, but that agency does not handle my debt, and discover card refuses to resolve. This is horrible service and defamation of character and ruining my credit. It would be impossibly for Experian to state this information is correct when all my credit agencies are frozen ( XXXX, XXXX XXXX, XXXX, XXXX, etc. ) are all frozen so they couldnt of possibly been able to verify this information to be correct. This is fraud and false, and has consequences if not resolved. I even offered to settle with these agencies even though I don't claim being mine so I can move on with my life. So both Experian, and these agencies refuse to resolve this issue and will be taken up to the highest legal court route if necessary to resolve this illegal defamation of character and hurting my credit. Again, I have proof, receipts, and all letters that have been sent to Experian to look into this to remove, and still haven't in over 2.5 years. I demand Experian to remove XXXX XXXX and XXXX XXXX from my credit report or this will be forwarded to an attorney with all my proof of trying to resolve. Thank you.
Product: Student loan

I had a few different forebearance agreements because I could not afford to make my payments and of course when the forebearance was over my payments were even higher than they were to start with and I would again start falling behind
Product: Credit reporting or other personal consumer reports

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX were reflected as a late payment 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported by Debt Recovery Solutions was disputed in XX/XX/XXXX. The reported debt was unable to be substantiated and the account was deleted from XXXX, XXXX and XXXX   reports. XXXX deleted the report XX/XX/2020, XXXX   deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive three consecutive emails from XXXX stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from Debt Recovery Solutions in XX/XX/XXXX. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent XXXX and XXXX letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested XXXX  and XXXX send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. XXXX   and XXXX responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent Debt Recovery Solutions a request for validation as well and have yet to  receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that XXXX and XXXX   blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from XXXX mentioned above, XXXX is reporting the account information incorrectly anyways. At what point will XXXX be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by XXXX and XXXX is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that XXXX  will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed ( multiple times ) of the errors in which they are reporting.
Product: Debt collection

I was told that I had to contact the insurance to get a detailed bill. I did get a shot in the knee a few months before the insurance covered it. But at the end of the year being of XXXX we switch to a new insurance. I am having a hard time keeping bills pay around the house here with one income coming into the house the way it is. 

Thank you for your time..
Product: Credit reporting or other personal consumer reports

Transunion has violated the Fair Credit Reporting Act by not having my written permission to furnish any derogatory mark that it has furnished on my credit report. ; according to 15 U.S Code 1681 ( b ) - Permissible purpose of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, By the written instructions of the consumer to whom it relates. I did not give Transunion or professional debt mediation # XXXXXXXX XXXX XXXX XXXXXXXX permission to furnish any derogatory marks on my credit report. Also, under 15 U.S Code 1681c- Requirements relating to information contained in consumer reports, except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my credit report, and no derogatory item should be on my report. All consent Verbal, non-Verbal, or implied is revoked. 15 USC ( b ) ( c ) states that A Financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained to how the consumer can exercise that non-disclosure option, which i was never given by professional debt mediation # XXXX, XXXX # XXXX, Transunion or any other credit agencies. Also, the law clearly states it is illegal to report Financial transactions per 15 USC 1681a ( 2 ) states that it's illegal to report information about transactions or experiences between a consumer and the person making the report I am referring to are professional debt mediation # XXXX, XXXX # XXXX, any charge offs or collections are considered financial transactions. Also, there are many inaccuracies on my report like several un-mailable addresses and incorrect [ hpne numbers. uFCRA this is also a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, Transunion, XXXX & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the XXXX above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX. ( Transunion ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

To date I have not received this information and again they are stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus Transunion, XXXX & XXXX. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Product: Credit card

I was fraudulently charged for a XXXX  mattress which every mattress has serial numbers this mattress is flat as a pancake without serial numbers to prove this is a XXXX  mattress
Product: Checking or savings account

I use XXXX XXXX app and on XX/XX/year> there was a bunch of charges totaling {$4100.00} taking out of my account. I contacted my banking establishment ( Chase ) to filed a claim. They cancelled my claim without notifying me. And when I contacted them for a status thats when I was told. I then contacted XXXX about the charges and they concluded the investigation and said they see no suspicious activity. I then notified my bank again and they started a claim and then it got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH XXXX, EQUIFAX, AND XXXX REGARDING THIS INCORRECT INFORMATION ( XXXX XXXX BANKRUPTCY, AND XXXX  XXXX ), ( DEPT OF EDUCATION ) ON MY CREDIT REPORT. I HAVE CONTACTED THE COURT THAT THEY CLAIM HAS VERIFIED THE INFORMATION AND THE COURT STATES THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. THEREFORE THIS INFORMATION IS BEING REPORTED ON MY REPORT WITH OUT MY CONSENT, THEREFORE THIS IS FRAUDULENT AND NEEDS TO BE REMOVED. PLEASE SEND A REVISED CREDIT REPORT WITH THESE ITEMS BEING DELTED AND MY CREDIT REPORT UPDATED. OR I WILL TAKE THESE MATTERS TO COURT
Product: Debt collection

I reviewed my consumer report and noticed a collection account on there that is invalid. I. C SYSTEMS is reporting on my consumer reports that I owe them an alleged debt. I sent them a letter via certified mail to ask for validation of this debt and it was delivered on XX/XX/2023. They have not responded to this. Again I will ask them for the forward flow agreement NOT BILL OF SALE. I also asked for proof of contract that I have with I. C SYSTEMS and finally I revoke any implied consent for them to be reporting to my consumer report and having my personal identifiable information. No consent is identity theft. I demand that I. C SYSTEMS immediately delete the false, inaccurate, and illegal reporting of my consumer report.
Product: Vehicle loan or lease

i been paying all my car payments on time and the app they have been messing up but still showed up as paid on my end. i call and told them the payment on XXXX went through but said i had to file a complaint. im stressing that I immediately want the payment information corrected and want it to show XXXX payments for all months and to contact me if anything show up late so i can clear it up. This drastically hurting my credit and want it to be correct ASAP.!!!!!