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

I purchased a new XXXX XXXX XXXX XXXX for {$54000.00} original contract date was XX/XX/XXXX. I had over 730 FICO scores, and USAA informed me their best rate was 4.5 % for 15 years on that boat. When I was approved they gave me 10 %. I received this boat loan through USAA with every intention of refinancing as soon as I could. I refinanced through XXXX XXXX XXXX XXXX at 4.6 % the first week in XX/XX/XXXX. In XXXX I requested a payoff as well as an itemization of my account. I then requested the same in XXXX when I knew the loan was paid in the first week of XX/XX/XXXX. I called again in XXXX requesting the payoff. I was getting very upset. The payoff amount was higher than the original amount that I purchased and the original loan amount I received from USAA. Finally, in XXXX I went to the escalation department and someone finally sent me an itemization. It only showed the amounts and dates of the payments, there was no principle and interest deductions and itemization on the document. I paid XXXX in payments on a 10 % rate and I owed on payoff {$54000.00} that is {$250.00} more than I purchased this boat for! This has happened to me before with USAA on a car loan. I ended paying it off in three phases. I put {$10.00}, XXXX on Principal and USAA used those funds for interest rather than the intended principal payments, 6 months later I put {$3500.00} and then {$1500.00} down. I requested an itemization for a {$16000.00} loan on a used XXXX XXXX XXXX   and I never received it. Once again they told me their best rate was in the 4 % range and 6 years, I had a 16.6 % rate and I paid on this vehicle in 18 months. if I did not pay this amount toward principle I would never know what I actually paid for that car because I was never given an itemization from USAA on my payments. At 10 % 15 years {$54000.00} my payments should have been {$580.00}. USAA calculated this loan payment at {$580.00}. The number of months I paid I should have paid Month Principal Interest Total Paid Balance XX/XX/XXXX {$130.00} {$450.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} XX/XX/XXXX {$130.00} {$440.00} {$580.00} {$53000.00} Instead, I owed more than I purchased for this boat. They have robbed me financially and broke laws. They have refused to give me an itemization showing principal and interest payments. Instead, they gave me just my payments and told me that is all they could give me! They now have robbed me twice on two loans and this is illegal!
Product: Credit card or prepaid card

I filed a complaint with Chase Credit cards for an online transaction I never received from the XXXX XXXX ( ordered around XXXX XX/XX/XXXX ). I filed an additional complaint with Consumer Financial Protection Bureau ( XXXX ) on 3/XX/XX/XXXX after it was not resolved. 

Chase contacted me and I explained that I never received any item from the company, they said they would contact me within 48 hours with a response to my complaint. They never contacted me again and now I am being charged interest and late fees on an item I never received. Interest charged XX/XX/XXXX for {$1.00} and a late fee of {$25.00} on XX/XX/XXXX. 

I want these charges reversed because I never received anything from XXXX XXXX and late fees and interest fees dropped too. Under Federal law I have the right to dispute any amount over {$50.00} and they have an obligation to fairly resolve it. 

XXXX XXXX no longer has a working website and has been reported by other users to be fraudulent, but Chase has still failed to take action and is now charging me additional late fees and interest. 

A dispute was also filed with the XX/XX/XXXX and XXXX XXXX never responded back to my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, Account : XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive been making payments on my synchrony/XXXX XXXX ( act. # XXXX ) for over 2 years & all of a sudden on the XXXX statement they started charging me a {$1.00} paper statement fee with no previous warnings, so i called synchrony customer service & they said if i signed up for paperless payments i would get a XXXX XXXXcredit on next statement, i verified my email adress & then she wanted my social sec. #, mind you the c.s.operators are from a foriegn origin such as XXXX or XXXX & barely talk XXXX & refused to give her my XXXX # because synchrony already has this info & to just start sending the payments to my email which was already verified.I recieved the XXXX statement in paper form again & they charged me another {$1.00} paper statement fee & a {$28.00} late fee & now they are sending me emails stating that i havent made my regular payment which i did on XXXX & is not due till XXXX & i just verified thru my banking institute that my payment was made & recieved by Synchrony on the XXXX of XXXX just tried talking to another foriegn Synch.cust.serv.agent to try & resolve the problem on there end & got hung up on after almost XXXX min.on the phone.So now im filing a compliant against Synchrony Bank ( XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

This is the same as my complined # XXXX against Bank of America XXXX I got a call from XXXX no last name from Bank of America on XX/XX/XXXX he left me a message with his phone number XXXX ext XXXX, yesterday XX/XX/XXXX I called him twice and he never returned by call, this is the XXXX they take, he made the call and that's all he need it to do. I want Bank of America protect the consumer that has already complainded twice and to flag this individual for identity theft.
Product: Debt collection

I received a response from Credit Acceptance when I inquired about not receiving notice of the auto loan debt and also what the leftover balance was. 

As you can see by the proof they provided, I do not live at XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

I have lived at my current address since XX/XX/year>. So there is no way I received it because I did not forward my mail.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/93 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$XXXX} XXXX  XXXX XXXX XXXX XXXX balance of {$XXXX} XXXX XXXX XXXX XXXXXXXX with a balance of {$XXXX} XXXXXXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all   XXXX   credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all  XXXX  credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX , Transunion or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>  Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In XX/XX/2020 XXXX offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for XXXX, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through BMW financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through BMW financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted BMW financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from XXXX  at the end of XXXX indicating that the claims on my credit report would stay because BMW financial services told XXXX that they determined it was not fraud. I then received a call from BMW stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at BMW financial services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed Ms. XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. BMW financial services clearly do not care about my circumstances as they obviously did very little ( if anything ) to investigate and resolve this situation of identity fraud.
Product: Checking or savings account

My fiancee and II were unaware that we could not have his money put into my account. Capital One allowed the deposit but then put a hold on my entire checking account. I have spoken to them numerous times requesting that they reverse the deposit or put aside the funds in my account that are his, and release the hold on my account. They stated that the sending company has to be the ones to reverse it. He has send emails to the agency many times in the last 3 weeks, but because of the lack of staff due to the Virus, we have had no response. All of my paychecks, daughters XXXX payments are being deposited into my checking account but Capital One 360 is not letting me access MY money at all. I am unable to pay my bills. I have no money because it is in my checking and can not access it. They said I could go to a Capital One branch and withdraw funds, but I live in Hawaii and the nearest branch is in California. I do not understand how a bank can legally keep me from my money like this. My fiancee 's money is also in my account and I dont know why the bank wont remove it since they are the ones that allowed the deposit to go through anyway. Why did they even allow the deposit in the first place since it isnt allowed? And now they are freezing my entire account all MY money too? This is not right.
Product: Debt collection

I receive multiple calls from OneMain Fin ( XXXX ) XXXX. This has been going on for a month or more. Last night I received 3 calls from them within a period of not more than 2 hours. Usually, they are robocalls and no message is left but last night, from the same number, when the answering machine picked up, a woman said she was calling from a debt collection agency. As of last check, my credit score was XXXX. I don't have any outstanding unpaid debt. These are clearly scam calls and they are a major nuisance.
Product: Debt collection

Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for an XXXX XXXX Bank of America credit card years ago. When I received the card, I set up my account so that there would be 'automatic payments ' deducted from my checking account for the full balance each month. It worked as it should for many years. 

Then, Bank of America canceled my automatic payments. I did not realize this until after I had missed two billing cycles, so I had accumulated late fees and interest. 

When I called Bank of America on XX/XX/23, they told me that I had deactivated automatic payments on XX/XX/23. This is not accurate. I did not do this. 

I requested that they reverse the late fees and accumulated interested. They emailed me on XX/XX/23 to notify me that they declined my request to remove the fees and interest.
Product: Credit reporting 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

CBE has been managing multiple accounts from a Medical provider. They have submitted collection reports to all three credit reporting agencies. They have at no time ever tried to contact me regarding the debt ( Parking ) and have submitted negative reports to XXXX, XXXX and XXXX. After I have disputed the debts XXXX XXXX and XXXX they advised they have removed these from my Credit Report on or around XX/XX/2022. These negative collection reports still show on XXXX and the company continues to refuse to send any itemized statements or validate the debts. They continually park accounts in order to negatively affect my credit score rather than inform me of the debt. 
I have confirmation from the company stating they have removed the debts from all three reporting agencies but this is not true. This practice is inhibiting my ability to maintain enough credit to secure housing or other means of support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report