23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for several apartments and was declined for an eviction. After calling XXXX  XXXX XXXX, I was informed that this debt was put on my credit when I was in the unit. I did not move out until XX/XX/2018 and the date that the debt was put on my account is XX/XX/2018. The amount is inaccurate also. The judgement that was done in court was much lower than what was put on my credit. I still have emails from the realty company stating that I was in the unit.
Product: Vehicle loan or lease

I finance a vehicle to Chrysler capital and in the last six months of the loan it was stolen and was declared a total loss by my insurance company. 

My insurance company paid the vehicle off as well as I had a gap insurance that did pay the balance. 

The lender is stating that I still owe {$4700.00} on the account and is choosing to keep the account open which is accruing more and more late fees and charges on a daily basis added to their false account. 

I have called them to resolve the account and all they state is that I still owe the money. 

I am being forced to be put in a position where I'm going to have to file bankruptcy because the collection calls and the letters for demands of payment. 
This is so ridiculous the amount of money that has been paid to them as well as for the additional insurances for the vehicle that I have paid out. 

I also am having problems with financing a new vehicle just because they are still showing the account with an open status with the balance. 

Lenders are not willing to help me with financing another vehicle due to their incapacities. 

I have disputed this twice with the 3 major credit bureau 's and they have left it to remain on my credit report still with the incorrect information. 

I need a vehicle to get to work it's very important and this is a real big headache for myself and is hurting my ability to get to work and make an income to support my family. 

I have saved money to put towards buying a vehicle however it's becoming harder and harder on a daily basis to even work with any lender. 
The denial letters that have been sent to me state specifically that because of the open auto loan with unpaid balance is reason for denial. 

These credit inquires will now Stay on my reports for 5 to 7 years with nothing to show as well as this auto loan will follow me forever if it doesn't get resolved in a professional manner. 

I'm a hard-working single mom and everything I have it's from my own blood sweat and tears. 

I have never ripped anybody off nor do I plan on it. 

I'm an honest person and I truly believe that at the very minimum this account should be showing XXXX balance so that I can move on with my life and credit.
Product: Vehicle loan or lease

I have leased from GM financial back in XXXX My lease ended in XXXX. I had no late payment. Not a single day. 

I returned the car and leased a new one.

GM fin keep calling and asking me to pay reposition fee. I have told them that when I leased a new car from them, the representative back then said since you leased another car, this fee will be waved for you no problem.

But GM fin keep calling me and asking me to pay it and just recently they marked my account as late payment. This is very unethical and not fair specially for a customer who been paying without a single late payment for years. 
I have attached proof to show my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

How do I report companies for false and deceptive information? Companies can not simply misconstrue the law and tell consumers they are operating under the law when they give out false information and it affects people 's lives! I put in a CFPB complaint about my consumer report where a company did not follow 15 USC 1666b ( a ). I was then told as a response by XX/XX/XXXX the following message ; " Additionally, when a consumer enters into a financial obligation the consumer is agreeing that the creditor has the right to report this type of information to the credit reporting agencies. '' NO, A CONSUMER IS NOT AUTOMATICALLY AGREEING TO CREDITOR HAS THE RIGHT TO REPORT AUTOMATICALLY! THE CREDITOR NEEDS WRITTEN CONSENT BY THE CONSUMER FIRST! EXPERIAN 'S STATEMENT IS FALSE AND MISLEADING! 

Why? 

because it states it law the exact opposite must occur! And I quote 15 USC 6802 ( b ) ( 1 ) ( A ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. '' Meaning I have to give written permission to agree for that creditor to report my information! Why wouldXX/XX/XXXX give me a deceptive answer like this? Who wrote this response? They should be held accountable as this is a violation of 15 USC 1611 ( 1 ) for giving " ... .false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. ''
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U S C 1681 Section 602 A States I have 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. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Debt collection

After informing THE BUREAUS INC that they violated my rights by changing the comment on my credit bureau to say " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', they then requested proof of my claim. They ignored thier own comment they placed on my credit report, and ignored the screen shot of the comment i sent them of the offending comment. Rather than ceasing reporting, they sent me a 50 page binder, that did not have a single signature, or any information proving that I owed the debt. 

After receiving thier response, I attempted to call them 7 times to directly speak with them about their response, everytime I was connected to a line that said they were having technical difficulties, and then the line disconnected. 

The fcra gives me permission to speak directly to them reguarding the debt. Refusing to speak with me by transfering me to a line that disconnects is a violation of the fcra. 

Saying that they were sending the debt to an attorney, is a violation of the fair debt collection practices act. 

This will be my last attempt to resolve this issue with the company directly. If this item continues to show on my credit report after 30days I will be contacting the ftc to notify them of the violations. 

I've asked 5 times for a document with my signature on it verifying that I opened the account, and to prove it wasnt the result of identity theft. They have failed to provide it, despite having responded to 5 disputes requesting the info. The only thing they have sent me is a blank binder with no signatures any where on it, failing to prove that the debt was opened by me. 

They violated the fair debt collection practices act by saying that the debt was transferred to an attorney. 

They violated the fcra by not communicating with me reguarding the debt when I called them on 7 separate occasions.

Reporting of the item is a violation of my rights and must cease. 

Remove from all credit bureaus, and cease all debt collection attempts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX  XXXX Experian, After carefully reviewing my credit report, I noticed that the following accounts listed below are inaccurate. 
The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you reinvestigate the accounts listed below? 

XXXX XXXX XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair Credit reporting act. 

XXXX XXXX XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair Credit reporting act. 


XXXX XXXX XXXX XXXXXXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair Credit reporting act. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I initiated wire transfer of {$250000.00} from my Ally Bank savings account to my XXXX XXXX savings account for a home purchase deposit at XXXX PST on XX/XX/2022. Later that morning, I received an email saying my Ally online account has been suspended and my account has been flagged for a fraud investigation. Per the instructions in the email, I called Ally 's fraud investigation department and was treated like a criminal undergoing an interrogation. The Ally representative needed me to upload a bank statement from my previous bank, which I complied to. 

I did not hear anything until the next day, where I received another email from Ally asking to call them to provide more information, and to call the same fraud investigation department phone number. When I called Ally, I was met by another rude representative on the other end, who continued to interrogate me with questions on why I'm making the wire transfer. I asked when the money would be transferred and when I can regain access to my account, to which the representative basically said they didn't know. 

Today, I called them again to obtain a status update. Again, no updates were provided. When I asked again when they expect the investigation to be complete and when my account will be restored, the representative said it could take up to 30 business days, and to call back in 7-10 business days for another update.

Now my home purchase and closing is at major risk and it's likely I will lose out on it. Not only that, but I have no idea where my {$250000.00} is and when I will be able to recover it.
Product: Debt collection

I took steps in sending dispute letters to companies and credit agencies the accounts came back verified how is this possible there not my accounts. 
I then mailed a validation letter out to collection agency and credit agency but no response back or deletions.
Product: Credit reporting or other personal consumer reports

My information was stolen and credit was open in my name that I didn't authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

The attached items are in violation of the Metro 2 Credit Reporting Guidelines and should be deleted from my credit file.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.
Product: Debt collection

Victoria Secret is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX XXXX  XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor Victoria Secret. 

I have contacted Victoria Secret directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as Victoria Secret is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Product: Credit card or prepaid card

I have a Capital One Spark Business credit card since early XXXX and accumulate over XXXX miles on the account. But since the pandemic our business slowed down and I have not been using the account and haven't received account statements regularly since last year. Then they billed me a annual membership fee of {$99.00} XX/XX/XXXX or XX/XX/XXXX but with the USPS service being unreliable, I didn't received the statements, e mail notice or text message notifying me about the account being delinquent or past due. Then I received a statement closing on XX/XX/XXXX ( XXXX XXXX XXXX ) saying that I have a balance of {$180.00} ( with late fees and interest to double the amount of the annual fee ) and I have until XX/XX/XXXX to pay the amount. When I got the statement on XX/XX/XXXX, I log onto my account online and called Capital One bank immediately and noticed they have credited all my account balance on XX/XX/XXXX and closed my account and told me that all my 310000+ miles are forfeited with the closing of the account. I felt like they did not stand by their statement to give me a chance to pay off the account and closed my account even before I received my statement was mainly wanting to cheat me of all my miles accumulated which is absolutely unfair to me as a consumer. They made money from what I have spent over the years over {$200000.00} then intentionally closed my account and made me forfeited all my miles. I tried to request the reopening of my account, but they refused and just engulfed and forfeited my benefits that I have earned over the years. Plus they didn't stand by their statement to let me pay off the balance before the due date, at which time I have over 20 days to pay them off, a blatant abusive act of cancelling and cheating me of my miles. That's why I have to file this complaint and if possible I will take legal action in small claim court, hope your bureau can help me to get my benefit back. This also hurt my credit score for a few months which was unfair.
Product: Payday loan, title loan, or personal loan

Title loan was paid off in XXXX  at Title Max and the amount that was paid back was exceedingly higher than what was borrowed I was over charged for the pay off amount the store manager took advantage of me because she repossessed my vehicle because of a late payment and so I had to pay off the whole loan before I could get my vehicle back and they added money to the loan because I was desperate and needed my car so they took advantage of this situation. The loan has been paid off but they over charged me and the store manager disappeared and no longer works there when I tried to go back to inquire about it please help me to resolve this issue they took too much of my money in the pay off.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have sent several XXXX money transfers with no disclosures presented.
Product: Mortgage

Citizens has persistently harassed me for about 10 days. They increased my escrow amount but did not bother to notify me as is required by my mortgage. 

As I have learned, Citizens has been sending escrow notices to an address that I lived at 2.5 years ago. I had long ago submitted a change of address, but for some reason they have ignored it. I requested ( verbally ) that the address again be changed last week. The representative assured me it was. This week, I learned that no one ever changed it. 

Consequently, my private information has been exposed to others, and needless so. 

The incompetency is unbearable.
Product: Credit reporting or other personal consumer reports

I viewed my consumer report and noticed incorrect personal information and disputed to the bureau requesting all incorrect information be removed from my consumer report and I sent the correct information to update but the update was not made and incorrect information is still on my consumer report
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$2100.00} to my Bank of America account, XXXX. This was a paycheck from a local XXXX entity, the XXXX XXXX  of XXXX, NY. I had no reason to believe there would be issues, so I made two XXXX payments for {$30.00} each ( a total of {$60.00} ). 

On Saturday, I log in to my bank and see that my paycheck was on hold until XX/XX/XXXX, eleven days after my deposit. 

On Monday, I see that I was given two separate item returned fees for {$35.00} each, a total of {$70.00}. The withholding of my funds caused an overdraft because my account didnt have enough to cover the XXXX fees and a recurring XXXX  fee of {$65.00}. 

I am attaching bank records to show these transactions. 

I have also received a letter from Bank of America explicitly stating they will reverse item returned fees that result from the hold of my check for {$2100.00}. That is attached.
Product: Credit reporting or other personal consumer reports

I created a document XXXX  for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of Bankruptcy Procedure. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX XXXX Bankruptcy The credit report inaccurately reflects a XXXX  XXXX bankruptcy. I have obtained a letter from the Deputy Clerk of the United States Bankruptcy Court confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 

2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified. 

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX  XXXX bankruptcy Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the Deputy Clerk of the United States Bankruptcy Court Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.