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

The XXXX XXXX XXXX location forced me to go with a higher interest rate despite me securing a loan through the bank of my choice at the time purchase on XX/XX/21. I had initially authorized them to look for other interest rates but nothing was better than the one offered by my bank and I expressed my intention to use my bank. 

When I returned the day after to give the title for my trade in, I even confirmed with them that I would be bringing the check from my personal bank upon receipt. 

When I got the check, I attempted to bring it to the office at the same time that I picked up my green slip and the person present refused to take it. They repeatedly evaded me paying them with the check from my preferred bank and said nothing of the other loan. They simply claimed that finance wasnt available or that I would be contacted to finish payment. I did find out until I got the bill for the loan that they secured in the mail today. 

I contacted bank that they used ( US BANK ) and they informed us that the loan ( which has an interest rate FIVE TIMES higher than the loan from my bank ) could be canceled BY THE DEALERSHIP. They will not allow us to cancel it and the dealership refuses our payment because the loan is intact. 

The dealership refuses to take the steps to properly handle this debacle that theyve created and I will be forced to refinance with my bank and to eat the interest charges for the month that I wasnt even aware of this loanss existence.
Product: Credit card

On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, XXXX and Transunion on XX/XX/2024. today I received an email fro XXXX that it will take 30 days more to get the result of my disputes. according to the Fair Credit Reporting Act, they have to respond within 30 days.
Product: Vehicle loan or lease

I am writing to get assistance with Credit Acceptance. This is my second complaint against this company. I attempted to get this account deleted from my file due to inaccurate information being reported on my credit file. In response to my first complaint Credit Acceptance sent me documentation for a vehicle that I already paid off. They are reporting a second vehicle with the same account number. 

I deployed with the Delaware Army National Guard 198th Expeditionary Signal Battalion in support of Operation Enduring Freedom ( Spartan Shield ) in XX/XX/XXXX. I got divorced prior to leaving for my deployment. This vehicle does not belong to me. My credit report shows that there has not been a payment for this vehicle since XX/XX/XXXX. 18 months of late payments have been reported. This derogatory item is negatively affecting my ability to use my VA loan to purchase my first home along with causing me anxiety due to the adverse impact is has on my credit score. I was discouraged upon my return from deployment in XXXX of XXXX, to find that my credit score was severely damaged by a vehicle that does not belong to me. It is unfair that I am being held liable for payments that violate my rights as a Servicemember. 50U.S. Code Chapter 50-Servicemembers Civil Relief Act declares in the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under section 502 ( f ) of title 32 for purposes of responding to a national emergency declared by the President and supported by Federal funds there is XXXX. Protection under installment contracts for purchase or lease and 105 Stat. 39, related to protection of persons secondarily liable. I am filing this complaint against Credit Acceptance for violating my rights under the Servicemembers Civil Relief Act. I attempted to resolve this issue myself. Please address this matter immediately. I am asking that Credit Acceptance delete this item from XXXX, XXXX, and XXXX  immediately and permanently. As a Veteran, I have served my country honorably and would like the opportunity to live a full and productive life with credit in good standing in the country that I serve.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

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

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c XXXX SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 


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

cra violation inaccurate information they put formation that is not mine of no knowledge of
Product: Credit card

I purchased items in XXXX from XXXX that were returned in XXXX. I took said items to UPS ( receipt attached ) so I could receive a refund from XXXX. 

I received text messages stating my items had been received and I would receive my refunds. Photo of the three text messages on XXXX showing that I would receive a refund, even though it was for less than what I paid. ( The XXXX XXXX XXXX XXXX XXXX XXXX is what this is about ) Then I received a notice from XXXX that I was going to be charged again for not returning my order. I got on chat via their app to get this squared away to no avail, and shame on me as I apparently lost my screenshots showing that I was informed that the issue with the return was on end, and I would not be charged.

I was charged.

I filed a chargeback via CapitalOne app, see
attached letter from CaptialOne acknowledging my chargeback.

I received an email on the XXXX letting me know that I had received a letter from CapitalOne. I signed into their site only to see that the letter stated that since I did not respond to their prior request for information, my dispute was closed. I never received any emails letting me know that I had letters from CapitalOne. Mind you I can see the letters in my folder on their app, but I was not notified!

Today, I have now spent over two hours trying to get this reopened by CapitalOne to no avail. Between their inept, XXXX speaking agents hanging up on me when I get fed-up and ask for a supervisor, or even better, JUST TRANSFER ME TO DISPUTES! BUT NO! I said I would be filing this complaint to the final
one since he refused to transfer me, only to be informed that I was NOW being transferred since I made a threat to complain to the CFPB & FDIC, only to be transferred to his supervisor, who was also no help!!

I hung up!
Product: Credit reporting or other personal consumer reports

Dear credit Bureau To whom it my concem This letter Isa formal complaint that you are reporting inaccurated and imcoplete credit imformation una distressed that you have include the imformation below my credit profile and that you failed to maintain reasonable procedudures in your operation assure mximum posible accuracy in the credit report you publish credit reporting laws ensure that Bureau report only 100 % accurate credit imformation every step must be taken to assure the imformation reported is completely accurate and correct the following imformation needs to be re investigated XXXX XXXX XXXX XXXX I respectfully request to be provide proof of this tem specifically the contract note or other intrument like my signature Failling that the tem must be deleted from the report as soon as possible the listed tem is entirely inaccurase and imcopleted and as such represents a very serios error in your reporting please deleted this misleading imformation and supply a corrected credit profile to all creditor who have received a copy within the last six months or two last year for employment purposes Additionally please provide the address and telephone number or each credit granter or other subscribir Under federal las you have thirthy ( 30 ) day to complete your re-investigation be advisef that the description of the procedure used to determine the accuracy and the completeness of the imformation is hereby requested as well to be provide within fifteen ( 15 ) day of the completion. of your re-investigation Sincerely XXXX XXXX XXXX
Product: Debt collection

Paramount Recovery Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Paramount Recovery Systems. Paramount Recovery Systems placed a medical collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g Paramount Recovery Systems has failed to provide all of the information required in the law below as well. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts. 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

I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Bridgecrest Credit Company LLC XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Bridgecrest ). Making the report is NOT INCLUDED on my consumer report! 
Debtor ( Bridgecrest ) issuing the auto loan is a transaction that is illegally reported on my consumer report by the person ( Bridgecrest ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Bridgecrest HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS. 
You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, JP Morgan Chase account ( Acct # XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

The law states the following : 15 U.S.C 1681 section 602 A - states I have the right to privacy.

15 U.S.C. 6802 No financial institution is suppose to share my personal information to a third party.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States 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.

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These are clear violations of my federally protected consumer rights.
Product: Mortgage

i have not been supplied with my mortgage rate nor has i received info on why mortgage rate is so high. i need info on what current mortgage rate is fo rmy mortgage, what is was for the last 6 months, and what it will be in future and
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have listed below XXXX XXXX  XXXX XXXX OF XXXX My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Personally, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( s ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe XXXX XXXX  is falsely billing me for merchandise I never purchased. I did have an account with XXXX  that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). Experian and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and XXXX XXXX  to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/XXXX XXXX, to no avail. I called XXXX XXXX  to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Product: Checking or savings account

I used my debit card at a gas station. I accidentally left the card on the counter and did not realize it. I immediately called capital one to close my card, they informed me there was several charges I did not authorize. The charges were XXXX {$59.00}, XXXX {$48.00}, XXXX XXXX {$120.00}. I have NEVER shopped at these stores before. My checking account history clearly shows I have never shopped at these stores before. But capital one is basically calling me a liar and declining my claim. I called them and provided proof that I did not have my card at all, and even the gas station clerk can be a witness as I went back to the gas station to try and get my card back, but it was already gone. They are completely refusing to help me. This is ridiculous and awful customer service. I no longer wish to do business with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account at Macy 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experiana website does not work. 


I had an experian pin. Their website is broken. And now my credit is frozen and I can not unfreeze it. 

I Unfroze my credit I tried a temporary unfreeze. The website kept telling me to enter a pin even when I had done so. 

Finally it worked with a permanent unfreeze. 

But I could not enter a pin to freeze it again. The same errorit kept telling me to enter a pin even though I did. 

Finally it worked but the error meant the website generated a pin, I think. I do not know that pin now. My old pin does not work. I dont know the new one. 

The website will not let me obtain my pin. The option that allows me to obtain a reminder sends me to a order form for a paid credit report. That is an error obviously, but it means I will have my credit frozen forever! 
-