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

I believe VW is not only teaching but implementing some shady practices when it comes to leasing and getting payoff quotes... My last two leases with VW were a nightmare. 
in XXXX I returned a lease on a XXXX XXXX that had a National recall and I could not buy nor sell the car. All i could do is hand it in ( according to the VW representatives in person and over the phone ). 
I have documentation showing that VW DID RESALE my leased car and they made a substantial profit .... I know this was going to happen and I got ahead of it. I called Volkswagen and explained to them that I used to sell cars and I took really good care of this XXXX with the hopes of making XXXX XXXX once i sold it .... but that was no option and the dealership turned around and sold it for a profit of ( TOTAL SURPLUS** ) {$2100.00}. 
We made a stink about this with both VW credit and with representatives at both XXXX ' and XXXX ' VW ... XXXX would not hear me out. I went into XXXX VW last week to see if we could make a deal on a used XXXX and to make me feel better about the purchase... I could overhear the Sales Manager saying 'not so nice things ' about me and wrote up a deal that only helped one party out in a very unfortunate circumstance. 
Recently, my daughter was diagnosed with XXXX. We always knew she was autistic but the state of Florida would not help with her development until we got her evaluated ... long story short, MY DAUGHTER COULD HAVE REALLY USED THAT MONEY FOR HER XXXX LESSONS. 

I understand that a car dealership needs to make their money... i get that!!! but this situation was brutally abusive and when a customer has the credit score to allow them to get a lease with those 5 options to buy, sell, trade, refi, lump sum amortize with no penalty etc ... and take two of those options away from the consumer who took really good care of said product, that is a problem. 

On my new lease that was just traded in... i got a bill back for almost {$1000.00} for disposition and excess mileage ( i was over by XXXX and they want to charge me almost {$600.00} )... so, what is the solution? I pay you the XXXX XXXX  and you pay me the balance that you owe to me of just over {$1100.00}? 

I work in sales. I have my whole life. But this is not sales or transactional... it is criminal. 

thank you for your time and consideration in resolving this.
Product: Credit reporting or other personal consumer reports

Transunion denied me access to my personal credit report again, i have issued a previous complaint on the same issue back in XX/XX/year> : case : XXXX. They are denying me my right by law to access MY personal credit, again. This is an egregious and unacceptable violation of the FCRA 15 U.S.C. 1681 et seq which allows me unfettered and reasonable access to MY PERSONAL INFORMATION being held and reported but this rogue credit reporting entity who is hiding behind the " protection of my identity '' or verification of such when i have provided them with consistent identifiable markers of information that the other bureaus have accepted as fact and correctly so. Transunion continues to operate outside the law and sits in opposition of the consumer demonstrating benevloeece towards their customers the lenders and financial institutions. This is unacceptable and will be met with vigorous defense of my rights as a US Citizen and consumer by my attorney if not immediately made avalible to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX on XX/XX/2023. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately XXXX Remove Below close acct XXXX XXXX, XXXX charge off Transunion Remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my account as past due when its not Adding more late payments even though I pay monthly XXXX verified the information as correct but its not true
Product: Credit reporting or other personal consumer reports

Loan amount is incorrect. It Went from XXXX dollars to {$150000.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by Transunion without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.
Product: Credit reporting or other personal consumer reports

Hard inquiries were applied to my credit report without my consent of report even being pulled. I went ahead and filed an identity theft complaint form and requested accuracy reports from other accounts opened without consent and sent to collections.
Product: Checking or savings account

Summary - business checking bonus promotion not received according to terms On XX/XX/XXXX I visited the XXXX XXXX, CA branch and opened a checking account and XXXX  with XXXX XXXX. 

The terms of the bonus required that within 45 days of account opening, make a qualifying deposit of {$100000.00} or more in XXXX funds to eligible accounts including the checking and linked XXXX. And that I maintain the required minimum balance for an additional 45 days from the 46th day of offer enrollment. 

On XX/XX/XXXX, my accounts surpassed $ XXXX. My accounts remained above $ XXXX until XX/XX/XXXX. 

The terms stated : Your bonus will be deposited to your Citibank business checking account as a credit within 30 days from the end of the month in which you complete all requirements. The 90 day mark for from opening the account would have been XX/XX/XXXX. The end of the month in which I met the requirements was XX/XX/XXXX. 

Per the terms, the bonus of {$1500.00} should have been paid by the end of XX/XX/XXXX. I have not received the bonus. 

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

Just found, that I have a closed account on my credit report. This account was closed as soon as I realized. 

Account name : XXXX XXXX XXXXXXXX XXXX 

I did not even use this account, it was pre-approval application without opening account, but account was opened, then I closed it directly with bank. 
Today I've tried to discuss this problem with XXXX XXXX, they said that on the next billing cycle they will not report this account.

Four days ago I found that this account caused credit score drop for XXXX points, it's unfair. 

Remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with Equifax to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # # # # # # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a dispute letter to TransUnion to validity and accuracy of your recent investigation of the bankruptcy that is reporting on my credit report. I ask them explain to me how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called transUnion XX/XX/2018 asking them to how they validate this account. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XX/XX/XXXX 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 Any 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 or other personal consumer reports

On XX/XX/year> I spoke to a representative at all three credit reporting agencies about some inquiries that was on my credit report that I dont recognize. She advised me to contact the CFPB so that they can be removed. She stated once they receive my complaint they would be removed. I did not authorized any of these companies to have my information. Enclosed are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Settled in full with GM Financial XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the XXXX XXXX training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX  and the XXXX XXXX. 

XXXX has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Product: Debt collection

Yet another collection attempt from this scam company. 

I disputed their most recent attempt and they never provided a response because they knew it was bogus so they follow their old tactic of changing the amount and account number and send a new letter. 

Once again, I do not have a XXXX  account, I use the other service offered in Texas and the license plate numbers listed is not mine. 

Last time I even provided them a copy of my current registration with my license plate number listed. 

The are committing fraud or at a minimum changing the amount and account numbers are XXXX violations.
Product: Credit reporting or other personal consumer reports

Transunion changed my last name on my credit report, per Transunion, one of my creditors told them my last name was XXXX. It is not. My last name has not changed in 16 years. I asked why they changed it, again they said a creditor told them. I asked which creditor, and they advised they do not know which creditor. So in order to fix Transunion error, they want me to send my social security card and DL pictures in the mail and wait 30 days to fix an error, they can not explain to me. They also can not prevent this from occurring again. How can they change my last name without verifying it with creditor or I dont know the social security office ? But they expect me to verify it? It is unbelievable, they can put whatever they want on my credit report without my permission. Especially if they can not answer who told them it was different, they should change it back.
Product: Mortgage

I have filed 2 complaints besides this one. I have asked the same question on both complaints. The documents they sent me did not answer my question at all. They sent me a payoff letter which I didnt ask for, so I hope I wasnt charged for it, and a verification of debt letter. My question was specifically for : How long is the Pennsylvania Statute of Limitations on debt? The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( XXXX XXXX XXXX XXXX XXXX ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc None of the documents they sent me answer under the law above if my mortgage was dismissed in bankruptcy court in XXXX, how can they still be charging a debt that has been discharged since XXXX? That was over 5 years ago. This debt is now uncollectible.
Product: Credit reporting or other personal consumer reports

KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and reference.
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/XXXX my personal info was used to get a loan out with net credit without my consent by XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score. 

I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : XXXX XXXX XXXX. XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX. customer service XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Product: Credit card

Since XX/XX/XXXX I am unable to log into my account at ChaseXXXX although I have been using it for several years now without any problems. 
The logs in are rejected and requiring additional security confirmation however the codes sent to me by Chase ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) and are not recognized by the bank own security system and the message after input in red comes out : We can't find a one-time code for your account. Call us to continue. 

The calls are then routed to the customer service based in XXXX where the CSRs instead of addressing the issue give hypothesis why the account is no longer able to be accessed The opinions varied from either having a bad password ( it worked in the past 12 months or invalid device ( the same pc used in the past 12 months ). 
The XXXX based customer service is clueless and is unable to provide any service that results in ability to log into my account. Yesterday one code was sent to me manually by one US based representative leading me to the conclusion that the bank 's automated system codes are defective and unusable. 
To what I gathered the Chase updated its new security system requirements and apparently it has gone live without many issues not being worked out and they are now using customers as testing material regardless of the time and effort it takes. Today I have had one US based CSR hanging up on me stating that " my unprofessional demeanor invalidates my PRIVILEGE to obtain a customer service from him. '' This was regarding the CSR inability to point out the problem and just trouble shoot which doesn't fix the problem. 

In short Chase prevents me from making a payment to my credit card outstanding balance and constant issues regarding inability to log in are resulting in a defacto harassment.
Product: Debt collection

I WROTE AND NOTIFIED THE XXXX AND I ALSO NOTIFIED THE JUNK DEBT BUYERS 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX - XXXXXXXX XXXX XXXX
Product: Payday loan

I received a letter from XXXX stating that they were going to use a remotely created check to access my account on XX/XX/2016. I wrote XXXX a letter revoking my authorization to access my account. I also sent a letter to my bank, XXXX Bank, requesting they place a stop payment on any check from XXXX. I checked my bank account on XX/XX/2016 and saw that a check in the amount of {$500.00} had cleared from XX/XX/XXXX. I had other checks pending so it cause me to be charged an overdraft fee. I tried numerous ways to get in touch with my bank about this matter and was referred to someone who is never in the office. It has been a month and I had to pay {$500.00} in overdraft and returned check fees. I now have another {$250.00} to pay in overdraft and returned check fees because XXXX tried to access my account twice more. I am still waiting for the bank to do something about it and will probably be told there is nothing they can do because that 's all I have been told by them so far.
Product: Credit reporting or other personal consumer reports

Experian closed 5 complaints before XXXX and the problem is there all the same issue but to show you this fraudulent company has no idea what there doing they give different absurd explanations for 5 different complaints