23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Vehicle was purchased from XXXX XXXX XXXX. The loan was through Credit Acceptance. This vehicle had issues from the very first day of purchase. Was pulled over minutes after purchase for not having working tail lights. After taking the vehicle back to have it fixed the mechanics wrecked the vehicle and busted a tail light out and didnt say anything. After noticing it we had to contact them to watch video footage and talking to the staff to find out what happened. The engine went completely out after that and I had to have the vehicle towed to the dealership. I spoke with XXXX directly and he asked me to call the lender and get a payoff amount to payoff the loan and email it to him. I gave him the amount over the phone and he asked me to also email it and he would handle it. I did several times and called several times after and he has never responded since then. He has ignored all calls and emails since. However the debt remains on my credit report. I was told that by the company that it was going to be paid off and would be removed. It is still on my credit as a negative item.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with
the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report.
Product: Checking or savings account

I have been banking with Bank of America for 12 or more years.They called me saying we are closing your account.XXXXXXXX XXXX  opened an account in 2022 they closed my account.XXXX XXXX also closed my account .They send me a notice from a company called XXXX XXXX XXXX  in Arizona.There were no specific reason mentioned.I tried to open an account at XXXX XXXX and they told me they could not open one.I run a business file all my taxes and handle transactions a businessman will handle.Most of my deposits are wire from overseas customers and I send wires to suppliers different parts of the world..
Product: Credit card or prepaid card

I use this credit card monthly. I always pay the balance, so I have never incurred interest fees. I have been a customer for about 10 years. This month I didn't pay the complete balance. My balance was {$2500.00}. I paid XXXX It was an oversight on my part. I expect to pay interest. However they charged me {$14.00} interest. My balance is {$220.00} which i expect to pay interest on. The company charged me interest on {$640.00}. I called and the insulting customer service rep, explained its not based on the about being borrowed, but a daily average. So I'm being charged interest on money that they already received. {$410.00} to be exact, they charged me interest for Money that they already have.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This information is inaccurate and reporting on my credit resport and does not belong to me. I mailed them asking for validation and they have none. This is a violation to my rights to furnish information regarding my XXXX self. My information was sold to this company and furnishing information that is not true. Again, this is a violation to my rights as a consumer. This is deceptive to my background, my character, and in the way of me getting opportunities for business. This need to be solved immediately. I've reached out via mail and no response but harassing phone calls during my work hours. 

Please have this remove from my credit report. 

Thank you.
Product: Credit card

US Bank advertised that if I applied for the SKYPASS Business card and met the requirement of spending {$5000.00} within 3 months, I would receive XXXX Korean Air SKYPASS Mileage. 

I applied for this card on XX/XX/XXXX, and spent more than {$5000.00} by XX/XX/XXXX. However, the mileage did not come in the XXXX statement, so I called US Bank Customer Service in XXXX to raise this issue, and received a letter from US Bank on XX/XX/XXXX. According to the letter, US Bank changed the rules for this card and is not providing the XXXX Skypass miles. 

According to my research, this rule change was made in XXXX, and it was a clause that did not exist at all when I applied for this card on XX/XX/XXXX. If I had known that this clause would be added later, I would not have applied for this credit card.
Product: Credit reporting or other personal consumer reports

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I deposited XXXX on my account My card went missing XX/XX/XXXX a transaction was made to my account of {$130.00} XX/XX/2022 Saturday were it was dispute so I told em I need new card and I wasnt aware of this transaction then XX/XX/2022 {$240.00} was deducted from my account unknown transactions around XXXX XX/XX/2022 two other deductions was made one was for {$20.00} at XXXX second transaction was for {$50.00} XXXX so that left me with {$46.00} left in my balance so I send the money to keep cash app from taking the rest funds I have left I just want a full report and dispute for these action even know it said payment fail they still took my money and these transactions was made from a system error cause they said payment fail still took the funds and the master debit card it went to XXXX was a card that was not in service just never updated the information but that should not have took my money please do something I wasnt aware of nun these transactions made to my account
Product: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my interest/equity is an indication of violation of securities, breach of contract. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and account still not credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Tax Lein was released and withdrawn by the IRS With the withdrawal filed with the XXXX XXXX XXXX Transunion is not updating and removing this from my credit report as they are supposed to. They have updated it to a paid Tax Lien and not withdrawal
Product: Credit reporting or other personal consumer reports

I was referred again from a law firm. I noticed the inquiry on XXXX XXXX XXXX the inquiry was from Barclays Bank Delaware. I called XXXX which is the credit reporting I seen it on they told me to call the company because I wanted to dispute it right then and there XXXX would not do this via phone they said I would have to make a formal complaint for dispute which I didn't understand the verbal wording, then gave me a XXXX XXXX and said call the company I then called this particular company Barclays Bank of Delaware in doing so the first representative or customer service rep said oh I see you apply for a credit card didn't give me a specific date but this is what the first rap said I replied no I didn't XXXX I've never had a credit card not with your company or any other company for that matter so then she sounding undetermined and are confused transfer me I then was either talking to a supervisor or a XXXX I asked the same question why are you on my report if I did not apply for any of your services y'all have hindered my credit score by this fraudulent inquiry to a negative XXXX points with my score. the supervisor or XXXX replied well we don't see any account with your particular personal information sir but what I can do is tell you to call back the credit reporting agency and tell them that we don't have no information on you I said I called them first and they told me to call y'all all I'm trying to do is get this rectified still to no avail I am now making a complaint
Product: Credit reporting or other personal consumer reports

I've been a vXXXX XXXX XXXX XXXX XXXX that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX I've disputed 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: Credit reporting or other personal consumer reports

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 as a perspective funding source for XXXX XXXX for a personal loan I had requested, XXXX XXXX requested and received a credit report on my person ( XXXX XXXX ) from Trans Union. Trans Union reported to XXXX XXXX  that my credit score was XXXX. When I pulled my report from XXXX XXXX shortly after seeing this information I then checked my score and it showed XXXX, I immediately informed XXXX XXXX that the score given to XXXX XXXX was erroneous. 

Fortunately the persons handling my loan documents took that data in consideration. But you can believe that the amount of interest I was offered on my load is much higher.
Product: Credit card

I applied for a US Bank and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I reached out to Account Management Services regarding an alleged debt they are attempting to collect. After receiving their ill executed attempt at a debt " validation '' it did not address the bigger issue at hand, my rights as a consumer have been violated and there had been a breech of security. The violations fall under : XXXXFCRA -Fair Debt Collections Practices Act ( FDCPA ) -HIPPA -unsecured PHR identifiable health information released -Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) -FACTA including FACT Act I sent the request via certified mail on XX/XX/XXXX and in their responce dated XX/XX/XXXX they included information to which they should not have access. I did not nor would I ever give such authority to anyone other than my doctors to have access to my medical files. Other than the general concern for them having such information an even bigger concern arises as to how they secure this very private and personal information. For all I know, every bit of my confidencal information could be unsecured which is alarming. 

HIPPA and other laws and regulations have been very specific as to which type of medical Information can be shared with others and what info needs to be removed from charts before sharing.
Product: Credit reporting or other personal consumer reports

My identity was stolen on XXXX XXXX XXXX, I filed a dispute and was told that my credit would be Frozen, and that i should contact the FTC and have them help with fixing the problem, but there is still a hard inquiry from this company on my credit report. the company is XXXX XXXX. Someone tried to open an account/Credit card in my name.
Product: Vehicle loan or lease

On XXXX XXXX i purchased a XXXX XXXX XXXX XXXX from the US Auto Sales dealership in XXXX, XXXX My down payment was {$1300.00}. I was informed that my license plates and tags will come in the mail within 45 days. On day XXXX XX/XX/XXXX the vehicle would not come out of park. I contacted US Auto Sales and was transferred to XXXX XXXX and was told that my warranty was voided out. I reached out again to US Auto Sales to find out that they were closed and Westlake Portfolio has taken over my account. I have made numerous calls regarding my not receiving my license plates and tags. I was given the run around. My apartment complex that's to have the car towed if i could not move it. I reached out again to Westlake after speaking with a lawyer name XXXX XXXX XXXX to request my money back and have the car repossessed. They refuse to give me my money back but said they would come get the car. The car say in the same spot for more than XXXX weeks and they never came to get the car. I had to pay {$120.00} for a movie mechanic to come fix the car so it could be moved. I continued to email and call Westlake Portfolio to get a resolution for my plates and tags with no luck. Ive down with supervisors, title department and multiple agents with no paperwork. I went to the tag office with the pairs i had from the dealership and was told they wouldn't work the company has to send in paperwork for me to get my plates ; however they would give me XXXX more temporary tag for XXXX weeks. The temporary tag expired on XX/XX/XXXX. Upon speaking with them and the lawyers the still never came to get the car or provide any paperwork for the XXXX. XXXX XXXX found an email address for me to contact them about my issue again. Upon the correspondence the person working for Westlake Portfolio said they did not have any title information and they we're sending my account to collections. I have reached out to the state with no help. It's been six months and they have yet to provide any paperwork for me to register my car. Now they are in my credit report for the full balance of the car but can not hold up their end of the deal when it comes to me being able XXXXo drive my car legally. I have the email correspondence between me, US Auto Sales, Westlake Portfolio and the lawyer. Now US Auto Sales is out of business, they closed all their dealerships and filled bankruptcy. What am i to do with a car that i can not get registered and the finance company can't produce and paperwork or try to resolve an issue I've been having for six months.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. XXXX XXXX XXXX WAS CHARGED OFFIN XXXX BUT XXXX XXXX HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Product: Money transfer, virtual currency, or money service

Between XXXX and XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my SOCU account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

Dear : Credit Bureau Immediate Cease and Desist Demand for Identity Theft info Blocking - Under FCRA 605B, as the consumer demand the blocking of identity theft-related info of credit report, pertaining to All negative derogatory remarks, All. Unauthorized Inquiries, All unauthorized collections and " Student Loans '' pertaining to TRANSUNION, effective ASAP.
Product: Credit reporting or other personal consumer reports

Experian is reporting in accurate addresses on my credit report # XXXX refusing to remove unverified address and provide sources of information. 

According to Experian 's class action settlement in XXXX for not accurately reporting consumers information on their report, in which violates 15 USC 1681e and their behavior continues and is affecting consumers across the world. I have sent the attach letters to Experian with proof of identity and address on XX/XX/XXXX received XX/XX/XXXX, XX/XX/XXXX received XX/XX/XXXX. Experian has not corrected my report to show my only address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that is reflected on all of my account statements and I have proof. 

Experian is reporting unverified addresses of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appear to be a business according to their note on my report and also XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian has refuse to update my report accurately and violated the FCRA and privacy act as they report this in accurate information when a line of credit, employment or tenancy is trying to be accessed or verified. Experian continues to harm consumers even after the class action lawsuit.

Can Experian be investigated? Their practices are unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

California Bank & Trust, I dispute amount in XX/XX/2019 in /XXXX  /XXXX  /XXXX regarding over charging me for something I already paid for, XXXX XXXX XXXX   company took amounts from me twice, underline threats was made to me by the ticket agents, that long delays will happen if try to dispute the second amounts that was taken from account under direst, the company threaten long delays such as 12 hours. I put in a dispute with my bank ASAP when I left XXXX XXXX XXXX, the Amount over {$300.00}, I am XXXX and receive SSI once month on the first of every month, because of this extra transaction I ran out of money and had to get help returning home to XXXX XXXX California, I went to California Bank & Trust many of times since returning in XX/XX/2019, always given the cold shoulder by the employees at the branch where I open my account, Downtown XXXX XXXX, my atm card have been block every since, can't purchases any products by atm have go to the atm machine to retrieve the money to pay, I am over this it's been over a month now, will close account when California Bank & Trust credit my account I disputed ASAP, I have had other accounts with other banks every time disputed any amount my account was credited immediately. 

Thank You, XXXX XXXX XXXX