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

On XX/XX/XXXX I purchase a new vehicle ( XXXX XXXX XXXX # XXXX ) and financed with Chrysler Capital who turned out to be entier nightmare for my entire Lease and the last 6 months of my Lease, I was given inadequate statements reflecting the wrong amounts which also conflicted with their online platform payment amounts. I called repeatedly and spoke to representatives and supervisors to provide me with the correct amount and was assured every time that it would be corrected and was provided a different amount but that it was the correct amount to be current. But despite me providing the amount that I was given, I was still marked late and I would have to call back the following month to get the issue resolved again or at least I thought. After months of this back and forth I cried to a representative of how this is ruining my credit history and she explained that for some reason the payments were being inputted wrong in their system and was being applied to the interest but not the principal and therefore making me short and then the system would report me late on my payments. I asked if this problem could be reported nad fixed and nothing was ever done and in fact the nightmare would appear the next month. Finally in XXXX the nightmare ended when my Lease was over and I also had to pay close to {$1000.00} to end my Lease but the worst part is that it ruined my credit as they furnished late payments on my credit report and sent it to other consumer reporting companies. It has been years but this still has ruined my credit which was by no fault of mine but of their numerous systemic errors that they knew of these inaccuracies and never made an attempt to fix them. When Chrysler Capital furnished inaccurate negative consumer information to XXXX, XXXX and XXXX it negatively affected my access to credit and purchasing a new home with a competitive interest rate. Chrysler Capital violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies even after all my phone calls and repeated disputes. They continued to furnish inaccurate and incomplete information and to modify or delete information that I continued to dispute. They need to be held accountable for their inaccuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

At the beginning of 2024, we were informed that they did not accurately forecast our property taxes for the prior year. We were then responsible for repayment due to their negligence and needed to pay an additional XXXX USD each month to make up the deficit. This added XXXX to each monthly payment which we did not expect and are struggling severely to come up with. We've been paying since then but are unable to do so further. We ( my wife and I ) are unsure how to continue with this unexpected increase in cost that seems not a fault of our own.
Product: Credit reporting or other personal consumer reports

I submitted a dispute and have not heard back from them and am requesting the inaccuracies be removed from my account
Product: Debt collection

Received a call from a company called XXXX XXXX today on XX/XX/XXXX ( caller was from XXXX, NJ but indicated they had 17 locations around the country ) from a XXXX number. Was given an XXXX number to call them back. Caller and " case manager '', XXXX, is claiming to be a mediator for US Bank ( for an account opened in XX/XX/XXXX, and says closed in XX/XX/XXXX ) and wants to to pay them about {$500.00} on the phone to avoid going to court for fees owed. They will not send me a notice or bill - they told me the next steps would be that I would see them in court. He did tell me my address and last 4 of my social which is worrisome. He also told me I have 30 days to settle with him over the phone. Called US Bank 's fraud department directly - they told me that is not a typical tactic of theirs and immediately told me that this had all the red flags of a phishing scam. 

I had received a call from the same number a few weeks back ( robot call that connected me to a real person ) where a woman asked for my name and social security number - I refused to give it to her, and she told me she would see me court.
Product: Credit card or prepaid card

I engaged an auto mechanic XX/XX/XXXX I had known for approximately twenty-five years to rebuild the engine in my XXXX XXXX. The mechanic sent the engine to a machine shop and after a year, the car came back with parts left out of the engine. The mechanic reluctantly installed the parts, and informed me he was going out of business. He returned the car to me at the end of XXXX when he was closing his doors. The car overheats and will not run for more than about 15 miles on the freeway without losing all coolant, with the overflow bottle blowing out and steam everywhere. There is also an engine knock and low oil pressure. When I complained to the mechanic in an email ( attached ), he referred me to the machine shop ( attached ), with whom I had no contract. The machine shop blamed the problems on the mechanic ( attached ). As three of the four sums I paid to the mechanic were through my Wells Fargo Visa debit card ( {$7000.00} XX/XX/XXXX, {$5900.00} XX/XX/XXXX and {$870.00} XX/XX/XXXX, I initiated a merchant dispute. A provisional credit was initially given, but taken back in XXXX. I received a letter from Wells Fargo saying the matter was closed and the dispute denied. Despite that the Wells Fargo documentation correctly describes the dispute as 13.3 Defective/not as described ( XXXX pgs. 7-9 attached ), page two of the XX/XX/XXXX letter I received from XXXX XXXX at Wells Fargo ( attached ) describes the situation more as a 10.3 ( i.e. no unauthorized transaction ). I never claimed someone else used my card. Rather I complained the merchant did not perform the work adequately. Moreover, the merchant did not provide documentation proving my car runs properly, In fact, his later of XX/XX/XXXX admits there were problems. The merchant also admits he was " liquidating his business '' ( which is why I could not go back to him for correction of the problems ). When I asked him in an email ( attached ) for relief he referred me to the machine shop, a third party with whom I have no contract and who refuses to take any responsibility. I paid the mechanic, not the machine shop, who the mechanic selected. 

Visa and Wells Fargo seem to have sided with the merchant when no compelling evidence and no third party documentation such as a second opinion letter have been provided by the merchant. I provided a second opinion letter ( attached ) at the direction of Wells Fargo, and this seems to have been ignored. Also, it seems Wells Fargo and perhaps Visa ( no access to Visa is provided by the bank ) changed the dispute from defective merchandise to fraud based on page 2 of the XX/XX/XXXX letter from Wells Fargo " Based on additional documents from the merchant, it was determined the charges were made by the customer or an authorized person. '' It seems rigged by the bank, in that my complaint was for a defective repair, which I have proven and is acknowledged by the mechanic in his own letter ( attached ), not a claim that a transaction was made by someone else.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I've asked Equifax and XXXX to remove XXXX XXXX XXXX ( XXXX ) collection claim from my credit report. They refused. I have no relationship with XXXX. XXXX purchased debt from XXXX XXXX. I had car insurance with XXXX XXXX XXXX and changed car insurance companies. I paid my policy in full before changing companies. I asked XXXX to remove the XXXX ' collection claim, and they complied. Equifax and XXXX refused but they have offered to help me increase my credit score and do credit monitoring if I become a paid member of their service. I believe this is a conflict of interest on their part. XXXX has consistently reported my credit score XXXX points lower than Equifax and XXXX to potential creditors on my inquiries because of this " collection ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I recently took notice of my credit report having inquiries on my credit report that I did not authorize. According to 15 U.S. Code 1681c2 ( b ), a consumer reporting agency shall promptly notify the furnisher of information identified by the consumer that the information may be a result of identity theft. 

To Equifax, the following inquires were not authorized : 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 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: Money transfer, virtual currency, or money service

I set up a reoccuring monthly transfer on JPay for a family memory on XXXX XX/XX/2023. 

When I initially set it up a confirmation screen came up that confirmed {$33.00} would be charged to my account. This is this is the usual fee for this amount. Sadly I did not grab a screen capture of that confirmation and am now wishing I had. 

Now a day later when the actual charge came through the amount is {$36.00}. That is an an additional {$2.00} for this {$30.00} payment, which was set up as reoccuring. That is the only difference between this payment and all others I have sent. 

This is clearly over the stated rate of {$3.00}. After talking to the JPay customer service it turns out that EVERY reoccuring payment will have this additional fee and for what? Solely because the payment is reoccuring. The agent said it was in the terms and conditions. Well I went through the T 's & C 's and there is nothing in there about the additional cost. The site clearly states the fee for money transfers is {$3.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some hard inquiries on my credit report that I did NOT authorize. I am in distress with these fraudulent items on my report. Please have these unauthorized Inquiries removed from my credit report. Inquiries are listed below : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Please remove these from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has repeatedly failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigations of disputed information on my credit report. This has resulted in inaccurate and/or unverifiable accounts remaining unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues, including : Failing to forward consumer-provided evidence to furnishers. 
Accepting unreliable responses from furnishers. 
Failing to adequately notify consumers of dispute outcomes. 
These failures mirror my own experience. Experian has neither corrected nor removed disputed items, nor provided requested validations. This inaction not only harms my credit standing but has also caused significant physical and mental distress. 

I am requesting immediate corrective action to remove and amend the disputed accounts. Experian 's failure to comply with the FCRA violates federal law and my rights as a consumer. 

CFPB Compliant IDs : XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> )
Product: Debt collection

I had a credit card issued by Bank of America and closed the account when I went abroad in middle 2015. However, someone charge an amount to this account after the closure and I was not aware of the charge and collection for years until I was back to the country in XXXX this year. I contacted BOA but they don't have any information about the charge other than the amount plus interest is {$64.00}, because the account has already been closed as per my request. But they commented that others can still charge to this account even it was closed. And I didn't receive any communication by phone call, mail or email when I was abroad. 
The collection and late payment are reported to all 3 credit bureaus and have huge impact to my credit scores. In order to minimize the impact, I paid off the balance in XXXX. I also filed dispute with credit bureaus about this record. But BOA simply updated the status as paid-off without deleting the late payment and collection records.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion s handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my TransUnion 's credit report : XXXX XXXX account number XXXX. NEVER LATE XXXX XXXX  XXXX ACCOUNT NUMBER XXXX BANKRUPTCY FILE NUMBER XXXX BANKRUPTCY FILE NUMBER XXXX Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : XXXX. Sham Investigations : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
XXXX. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected. 
TransUnions actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I filed an Identity theft report on XX/XX/XXXX, and placed a fraud alert/security freeze on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.despite my efforts to resolve this directly with the reporting agency, it remains unresolved.I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Mortgage

BB & T was unable to close at the date/time committed to in writing, which resulted in financial harm to me. More specificially, 1 ) BB & T 's loan officer committed to me in writing that I would receive a check for {$1500.00} as a refund of appraisal costs. The relevant portion of his email to me reads : " The refund for your appraisal costs has also been approved by regional management. The refund for the appraisal will be sent out in the form of a check via overnight mail once your loan has closed. '' After my loan closed, BB & T has refused to reimburse this cost, as promised. 

2 ) BB & T committed ( again, in writing ) to reimburse me for additional monetary damages I suffered as a result of their delay. I provided detailed written documentation of these damages, amounting to {$2000.00}. However, BB & T has ignored my communications, providing nothing in response. Therefore, BB & T owes me a total of {$3500.00} that they have committed in writing to paying, all of which has been clearly documented. Instead, they are ignoring my communications and refusing to pay.
Product: Debt collection

I tried contacting LVNV Funding LLC & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector LVNV Funding LLC I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my XXXX report but re added the next day to closed accounts & unpaid & IT still remains on my XXXX report. This is harmful to my health and a defamation of my character. 



This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. 





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