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

2017 XXXX XXXX, from XXXX XXXX, sticker price was XXXX, trade in was supposed to be XXXX, plus i put {$1000.00} down, ally financed car at 8.99 %, brother co signed, would not change brothers name, his name is XXXX XXXX, they put XXXX XXXX, finance XXXX. finance change XXXX ending amount {$48000.00}, ally financial, paying {$580.00} dollars a month for 84 months, payment was late due to mail issue, was charged an addition {$20.00} dollars, didnt pay that was was changed another additional {$20.00}, i was late on one payment due to XXXX  XXXX, i feel im being overcharged by XXXX XXXX and ally, call it discrimination, hopng someone would look into this and correct and award me damages!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department of Education/XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct 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 an account without my written instructions
Product: Credit card or prepaid card

I transferred {$1700.00} from XXXX XXXX XXXXXXXX on XX/XX/23 At first I forget that I applied for a balance transfer from XXXX XXXX XXXXXXXX. So I question the payment to Barclays /priceline credit card.I called them back within 24 hours and told them to except the payment. I received a letter from Barclays telling me the problem was resolved. Well on XX/XX/23 I made a payment of {$70.00} dollars.They allegedly returned the {$1700.00} but they didn't and they didn't credit my account. I have called several times to have the funds of {$1700.00} either credit to my Barclays account or return it to XXXX XXXX XXXXXXXXI have a case number XXXX Basically Barclays reported to the credit Bureau that I was late on a payment! which I wasn't because they are still holding on to {$1700.00}. I have filed a claim with there company and I have spoke to at least ten different representative. So not only did they lower my credit score but they are holding {$1700.00} I have ask how and where the was allegedly return to.I have also asked for a tracking number but I was informed that they dont do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
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
Product: Consumer Loan

I got a car loan from XXXX XXXX XXXX XXXX. At the time I could afford it and was making my payments. I lost my job a year and a half later ans went from XXXX to XXXX in one year. I turned the car in and was sued by Hamerhoff Law Group in XXXX They attached it to my home title and now I am becoming homeless. I called to do a settlement on XXXX so I would have enough money to move and still paying them XXXX but I was told too bad by a very snobby and rude assistant named XXXX. I asked her if there was any way of settling the account and she said no way and kept saying WHAT IS YOUR OFFER!!! ... .Remember I turned in the car. Not only that, I gave my brother and his family money to move for they have children. I can not believe that there is no compassion for people any more. I need a solution to be able to pay them and still have money to move. 
Thank you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Credit card or prepaid card

It happened on XX/XX/18 that I received a email saying my credit score dropped 44 points. I have no idea how this happened I bank with capital one and I never once missed a single payment with my credit card nor my truck note which is {$720.00} a month. My credit card max is  {$300.00} and it was at {$280.00} the payment wasnt do till XX/XX/XXXX. So I waited till a closer date to pay it thinking it would help out my score which I dont know if its true or not cause I know so little about credit. But I always paid couple days ahead of the payment date with my credit card. Which I did pay it off on XX/XX/18. I was wondering if you can please give me back those 44 points you took from me cause I always paid my bills on time or ahead and I really dont know what I did wrong but I need my credit score to be where it was cause I believe I didnt do anything wrong by not going over my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau in violation of FCRA, FDCPA and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Product: Credit card or prepaid card

This reporting is against Capital One for unfair and discriminatory treatment. The dispute I am filing against Capital One arises out of a late payment remark that was reported in XX/XX/XXXX. Subsequently this negative remark made its way down to the credit reporting agencies however I would like to emphasize, this event would not have occurred if Capital One didnt blatantly violate my rights. Therefore my complaint is against Capital One alone. 
In XX/XX/XXXX- XX/XX/XXXX, the United States government went into a federal shutdown, resulting in thousands of federal employees not receiving their salaries. I was at the time ( and presently ) employed by a federal agency. This event was deemed a declared disaster by President Trump ( much like events surrounding natural disasters ). Capital One publicly went on record, promising relief to those affected by the government shutdown. These statement made by Capital Ones spokesperson was selectively implemented and only provided to a certain class of people facing the identical hardship. Based on prior and current practices, Capital One has offered several programs such as forbearance & payment deferrals to those affected by uncontrollable circumstances. In this instance, Ive been made aware that Capital One offered relief for some and denied relief to others. I believe this is a result of XXXX discrimination and bias practices. Capital One is fully aware of my race and ethnicity which was reported at the beginning of my contract. I would also like to point out that Capital One has been accused of promoting these XXXX practices before and consumers have been successful in their lawsuits against Capital One. 
Due to the above-mentioned circumstances, I filed a request for investigation ( XX/XX/XXXX ) and a request for reinvestigation ( XX/XX/XXXX ) only to have generic letters issued denying any relief or proof that an investigation took place. Both denial letters were issued in a matter of days. 
Attached to this complaint, Ive included my full correspondence with Capital One ( including verified copies provided by them ) and the latest denial letter received from Capital One. For a more detailed account, I urge you to please refer to page 2 of the redacted correspondence packet. This was my latest dispute letter which specifically outlines the extent of my dispute and proof that Capital One violated several consumer agency laws and used discriminatory methods to deprive me of my rights. An unredacted copy can be provided upon request. 
Again, I would like to emphasize this complaint is NOT against the credit reporting agencies and should not be treated as such. This complaint solely surrounds Capital Ones refusal to adhere to their responsibilities as a lender thus creating a domino effect because of their actions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX  XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX  Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : XXXX XXXX XXXX {$6900.00} o Experian : {$6900.00} XXXX XXXX XXXX XXXX XXXX High Credit / Credit Limit : XXXX XXXX  : High Credit : {$6700.00} ; Credit Limit : {$5700.00} o Experian : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX XXXX XXXX XXXX Past Due : XXXX XXXX XXXX {$0.00} o Experian : {$0.00} XXXX XXXX XXXX XXXX XXXX  Payment Status : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX Comments : XXXX XXXX  : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
XXXX XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : XXXX XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX XXXX  Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have filed a claim against this company before.and got a judgement in my favor.and now there back on my credit report please help me thank you.!!!!! i dont know my case number
Product: Checking or savings account

Hope you are doing well. I opened a Chime spending account ( account number : XXXX ) through XXXX website on XX/XX/21. It has been 70 days after meeting all of the requirements, but I've not received the points yet. I tried to contace the customer support but nobody replied to me. Could you please help me check this issue? 

Offer details : When you open an online Chime account online, you get a Chime XXXX XXXX XXXX, a Spending Account, and an optional Savings Account. Get started today! 
1 ) Signup with Chime between XX/XX/21 and XX/XX/21 XXXX ) Download the Chime XXXX. 
3 ) Access your account number and routing number from the app. 
4 ) Add your account number and routing number to your payroll contact or service. 
5 ) Set up payroll direct deposit and receive your first paycheck within 30 days of your sign up date to earn Points! *
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> XXXX Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewing my credit report, I noticed inaccurate and incorrect information. Since I have never been late in any payment since I always have automatic payments. Self with account number XXXX. Incorrect and inaccurate information has been reported in the file. Which is affecting my credit and my ability to obtain credit in the banking sector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and noticed unauthorized inquiries XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX
Product: Credit reporting or other personal consumer reports

I always pay on time, but Im not sure why this company is showing late payments for some months. According to USC 1666b, billing errors must be fixed and updated to reflect timely payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters stating my rights as a consumer with the law under 15 US Code 1618b for permissible purpose I did not give consent to have this report my account and the credit reporting agency has yet to fail to comply with my rights
Product: Credit card or prepaid card

I requested a new card from American Express because my old card was suspected to have been breached. When they sent me my new card, they sent a the new card number to creditors who have automatic payments taken each month. In the process, they sent the new card number out companies that I did not have automatic payment withdrawn each month. Therefore, the card was placed in the payment section of accounts that I have no relationship with. My card information is all over the place. 

A charge from XXXX showed up, which I did not make. The contact number on the statement supposedly a XXXX number is a non-working number. As well, American Express place the new card in a XXXX account where all financial information had been removed because the account has been hacked and now I can no longer get into the XXXX account. The XXXX story is another saga in another complaint.
Product: Debt collection

I have been in dispute with this XXXX Collector since XXXX of XXXX. My last response I sent them was in XX/XX/XXXX for further documentation and noting all of the inconsistencies, they never responded to me. I have proof they received via email and priority mail. They started the process over and sent a new letter to collect the alleged debt and gave me a response date deadline of XX/XX/XXXX XXXX stated if they do not get a response by XX/XX/XXXX they will assume the info is correct. Today is XX/XX/XXXX and they have put THIS ALLEGED DEBT ON MY CREDIT! I have all documentation and theyre attempt to collect letter had a date that has not come up yet. THIS BEEDS TO BE REMOVED NOW AND IT IS ILLEGAL!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX assigned XX/XX/XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, Equifax, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX, the processor of the XXXX credit card, lied to me about their policies and intentionally processed a payment, received within one billing cycle, to the next billing cycle in order to charge me interest in the amount of {$3.00}. The representative of the company initially couldn't even figure out why I had been charged. A supervisor refused to reverse the charge. I have paid the account in full and closed it, though a I feel that this company should be stopped from lying to customers and intentionally processing payments late so that interest can be charged when it truly isn't applicable.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax and XXXX credit reports, and I noticed a late payments posted on my credit report : one of XXXX  XXXX credit cards for the month of XX/XX/XXXX - XX/XX/XXXX and the other XXXX  XXXX credit card for XXXX XXXX XX/XX/XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   XXXX, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against Discover Card Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with Discover Card Company for the reported amount in XXXX XXXX XX/XX/XXXX XXXX, they denied my dispute. However, the same company later acknowledged in XXXX ( XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from Discover Card Company ). 

Thank you, Sincelry, XXXX XXXX XXXX