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

I was served a civil complaint for a debt for an auto loan by CJA Auto Sales, INC. around XX/XX/XXXX. 
I had cosigned an auto loan with my now ex-wife. We were divorced in XXXX. 
The court documents states that the loan was breeched/default on XX/XX/XXXX. 
( Ex-wife told me she paid it off, thats null ) In Arizona, that statue of auto collections in 4 years. I should never have received this. 
I contacted CJA Auto Sales, INC. and they explained that they did not know where my ex-wife was, so they are going to get the amount from myself. 

In good faith and not knowing any better, I verbally agreed to pay {$250.00} on the XXXX  per month. 
CJA, Auto Sales, INC does not allow online payment. You must call in to make a payment. Only one person can take the payment, somedays they aren't there etc. So it forces you to be late making the payment.

Each month, I have called, I have asked for a receipt. I have been told the receipt is the payment on my bank account. They do not issue receipts.

Each month, I have requested a statement. I have been told no, or its in the mail.

It now has been one year, and I still have not received a statement. I do not know how much is owed? I do not know what has been paid, or what " fees '' I have accrued.

I have requested the paperwork and documentation of what the car was sold for, the original loan and the documents I signed. I was told they do not give that out. 

I just requested an End of Year Statement in XX/XX/XXXX, still has not come. 

I have now made a total of 12 payments at {$250.00}. Based on the court documents I owe {$5500.00} I have not been told my account number or loan number. 

I understand my responsibility as a cosigner, I also have the right to the documents I am requesting. I am requesting receipts, original loan documents, current the statement.
Product: Debt collection

I looked on my credit reports and noticed that I have a collection account on all 3 credit reporting companies with this information : XXXX LVNV FUNDING LLC Balance {$690.00} Opened XXXX XXXX XXXX Account Status Open reported : XXXXXXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX Balance {$690.00} Date Opened XX/XX/year> Balance Updated XX/XX/year> XXXX LVNV FUNDING LLC Account Number XXXX XXXXXXXX Balance {$690.00} Date Opened XX/XX/year> Date Reported XX/XX/year> I do not owe this company money and I sent them a document ( see attached ) but they never responded. I will also request through the CFPB that the company sends the original purchase agreement with my signature on it.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX has inquiries that are double inquiries such as XXXX XXXX XXXX XXXX and XXXX XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

Equifax has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXX, XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.
Product: Credit card

This bank doesnt value me as a customer or my business they never approve me since I opened the card for years for a limit increase Im always told no I dont qualify when I make all my payments in time their system never reviews me their is something wrong with them
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 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: Debt collection

XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by XXXX ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call Ford for that. I did and was put through to their collections. They told me that XXXX was told to suspend collection activities on XX/XX/XXXX due to account review. I called XXXX back and told them what Ford told me. I was told that Ford doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that Ford suspended collection activities the week before she acknowledged it and I was told to call back when Ford adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.
Product: Checking or savings account

I opened an IRA account with Ally. After initially being able to log in, I sent a deposit to them in the amount of {$7000.00}. 

The following week, I was unable to log into my account. After calling them multiple times, I was unable to verify via their credit security check. I have tried multiple times and have been met with unprofessional behavior and unkept promises to return correspondence. 

I have logs of all my calls which showed I called them more than four times trying to access my account. In the end, I don't even know whether I have an account due to a bizarre email with the subject header " We weren't able to approve your application. '' AFTER I already opened an account, logged in and deposited money. However, after that, I also received multiple emails with the subject " You have a new statement available from XXXX XXXXXXXX XXXX. ''
Product: Student loan

Federal XXXX XXXX XXXX have been consolidated. I can not afford. Asked for forgiveness since I am not employed. Payments have been pushed a month back with added interest.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the Consumer Credit Protection Act, creditors are required to comply with specific rules regarding the reporting of late payments : 1. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights. 
2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law.

3. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly. 
Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau is reporting an account that has never been able to give me any verification that this account belongs to me. I have had one XXXX account my entire life, it is still connected Ive never had the account fall into collection and everything is always paid. 

Equifax is lying. Saying my last payment date was XX/XX/2022. Complete lie. Why is the balance being updated XX/XX/2022? I dont have access to this account and it is closed. I need proof that this belongs to me!! I dont even know how to access this account. I called the company and they have me no where in their files. Equifax can not provide verification for this and is still falsely reporting it, which is hurting my score! 

THIS IS MY XXXX TIME DISPUTING AND EQUIFAX HAS NEVER BEEN ABLE TO PROVIDE VERIFICATION FOR THIS ACCOUNT. I AM LIABLE TO SUE FOR DAMAGES! 

EQUIFAX IS THE ONLY CREDIT BUREAU THAT IS REPORTING THIS INACCURATE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

These consumer reporting bureaus have continued to defame my character since I have never given written authorization to share any of my personal information including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only my character, by causing humiliation, stress and health issues. Please investigate and delete it to my credit report. No record of this BANKRUPTCY is to be added back ever again. I request to removed within the next 5 business days and send me an updated consumer report after deleting said BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX, XXXX account on my Equifax credit report because the reported information contains inconsistencies and can not be verified. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Equifax must either provide proof that this account is accurate or delete it. 

Equifax responded claiming verification but failed to provide any actual documentation. The account details do not match across credit bureaus, and Equifax has not demonstrated that it has conducted a reasonable reinvestigation. Since this account remains unverified and inaccurate, it should be removed immediately as required by law. 

I request CFPB intervention to ensure Equifax either provides verifiable proof or deletes this account from my credit report.
Product: Debt collection

We moved and set up XXXX internet / cable at our new house. No issues or complaints/ collections came from charter. 

My credit just dropped. When I looked into it IC system had dinged my credit. 
They never reached out to me. I had no idea who they were or what charge was for. 
I called them, they explained XXXX XXXX wanted {$170.00} for unreturned equipment. This is very strange because XXXX. I returned equipment, XXXX. XXXX never requested money from me and I have a current account with them so they have all of my information it would be easy to reach me. 
This is what was listed for reason for credit ding " The collection agency is I C SYSTEM. The original creditor was XXXX XXXX COMMUNICATIONS. '' I paid the amount because I didn't want my credit to tank further ( down XXXX pointes over a {$170.00} charge ). We are in the process of applying for a construction loan so it is a huge deal for us we lost our rate. 

IC Systems confirmed on the phone that they had sent the bill to an address I no longer lived at and addressed bill to XXXX XXXX ( I have been legally XXXX XXXX - married name - since XXXX ). The charge in question happened in XX/XX/XXXX. 

We no longer qualified for the loan we needed. I paid the charge I am not sure I should have because I never heard from Charter. IC Systems never let me know that they were trying to collect from me. IC Systems said they would flag the transaction but my credit is still down XXXX points.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to respond to and conduct a reasonable investigation into inaccuracies on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including two bankruptcy records. These bankruptcies are reporting with discrepancies, as they list incorrect court names, reference numbers, and filing dates. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, Equifax has not responded or conducted an investigation within the allowable timeframe as required by the FCRA. 
According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. Equifax 's refusal to investigate and respond to my dispute constitutes a clear violation of my consumer rights
Product: Credit reporting or other personal consumer reports

Experian is currently being sued for the same damages they did to my credit report. I was being denied service for my credit report not being accurate. Under the FCRA. I deserve compensation for the damages done to my credit report from all 3 credit bureaus but especially Experian. TransUnion and Equifax are also guilty of the same allegations as Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.
Product: Debt collection

The original date of the debt incurred was on XXXX XXXX of XXXX, for {$300.00}, where I was in a XXXX XXXX and hospitalized against my will. Because it was against my will, I told them the state was responsible for the debt. 

The debt has since been transferred from XXXX XXXX XXXX XXXX Texas XXXX, to XXXX XXXX XXXX XXXX, which then sold it to XXXX, and apparently XXXX sold it to Ability recovery services, which has falsely reported it on my credit, causing damages by interest rates/lack of transfer offers on my cards, lower than appropriate pre-approvals for loans for the house I'm trying to buy, and significant XX/XX/XXXXfrom this which I'm having to talk to my XXXX about, and expect them to pay for. 

I attempted to dispute the debt with XXXX, however, they will not remove it saying the creditor is providing appropriate information. That's clearly not true since it's showing on my credit report as a new debt from XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
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 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An 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: Credit reporting, credit repair services, or other personal consumer reports

The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I completed a driving course to remove this ticket from my record and was informed it would no longer be on my record. 

The report is showing that I have a criminal record for a traffic violation on XX/XX/XXXX from XXXX. I went to court and they dropped this violation. This violation should not be on my trans union because I was never responsible for this.
Product: Checking or savings account

I've been a Citi customer for just shy of 10 years. On XX/XX/XXXX i accidentally overdrafted my Citi checking account by {$38.00}. This was a mistake and i was quite reasonably charged a {$34.00} fee. Then i had a recurring transactions of {$10.00}, {$10.00} and {$10.00} that tried to process on XX/XX/XXXX, XXXX and XXXX respectively, and these were declined and I was charged a {$34.00} fee for each. Its a bit excessive to charge me {$34.00} for a {$10.00} denied charge, but that is Citi 's prerogative. 

I have transferred {$250.00} to my account to address the {$38.00} overdraft, the {$34.00} overdraft fee and the first round of {$100.00} worth of fees on the denied {$10.00} transactions ( total {$180.00} ). I thought this would put my account {$70.00} in the black. I would have paid {$140.00} in fees for this simple mistake, which is a lot, but i would have learned a lesson. 

Unbeknownst to me, before my {$250.00} deposit- which would have undoubtedly put my balance positive - arrived at Citi, the vendor tried to rerun the {$10.00} transactions - as Citi had decided to deny these rather than honor them and charge me an overdraft fee - and Citi ( reasonably ) denied the charge for a 2nd time, and ( unreasonably ) charged me {$34.00} for each- so that I know 'owed ' them another {$100.00} in fees for the same transactions they'd denied previously. 

This meant that when my money arrived, my balance was still negative. Citi refunded 1 of the 7 fees they've charged me to bring me back to a positive balance of {$7.00}. 

You know where this is going don't you? Then the vendor tried to run the 3 x {$10.00} transactions again - Citi denied them but charged me a {$34.00} charge for each. So i know owed Citi {$110.00}. So I've now been charged {$100.00} of fees on each of these denied {$10.00} transactions - or {$300.00} total- for what would have been XXXX x {$10.00} transactions, none of which have been honored. 

To recap, I overdrew my account by {$38.00}. I sent Citi {$250.00} to cover this overdraft and fees. They have charged me more than {$300.00} in fees and now claim i owe them {$110.00}. And when you log into your account Citi announce : " Elimination of overdraft fees : Get the latest details on Citis decision to eliminate consumer overdraft and returned item fees '', which feels like a sick joke. Going out on a high aren't we fellas? 

I used Citi 's chat function, it took an hour but i got escalated to a manager. The manager said it would take 10 mins to read the back story. I then received a work call. I said i'd be inactive for half an hour. I was dropped. 

Today I called Citi 's customer service function, i've no idea who i spoke to. The supervisor submitted a request to refund some of the charges. It was denied. I was told that I'd be charged {$34.00} for each failed attempt on these {$10.00} transactions, forever. 

By the time you're reading this i'm not sure how many more fees i'll owe for the same {$10.00} transactions that Citi won't honor. Two of them are a monthly donation to a charity - my annual donation amount will be less than the fees I've paid on this month 's charge.
Product: Debt collection

We moved in XXXX 2017 to a new home. XXXX sent a debt for a cable bill that was for my daughter to a debt collector. My daughter, s service was not at my home. My daughter is XXXX. The collection agency must have obtained my address from XXXX. I tried talking to XXXX. but they said they could not help. Tried the collection agency but never could speak to a real person.
Product: Credit card or prepaid card

Received a credit card from Chase, Freedom Unlimited with a credit access line for {$12000.00}. All I had to do was verify receipt of my card by calling XXXX. I called number and was asked for my credit card number and SSN. I didnt provide and hung up. I then tried to reach Chase via other phone numbers researched on internet but was unsuccessful in reaching a person to talk through receipt of credit card that I did not apply for. 

This is fraudulent business practice that an unsuspecting individual may fall for and get stuck with a cc that changes over 20 % in interest. Especially for individuals that may have been laid off during the pandemic I want to be on a do not ever contact me list with all JPMorgan Chase Affiliates.

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX  account number XXXX