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

On XX/XX/XXXX I reached out to the collector from XXXX XXXX XXXX in regards to my vehicle loan. I informed XXXX XXXX that the financed vehicle had been under repairs for the past 25 days due to the vehicle not starting. At that moment I had not recovered my vehicle from the dealership/shop yet. I also notified her that the initial repair costs exceeded the amount of {$800.00}. An amount close to the actual worth of the vehicle. I informed her that this vehicle was purchased at one of their dealerships on XX/XX/XXXX and I only had the vehicle for personal usage for about only 3 months before the vehicle completely broke down and could not be started. I was never offered a Warranty by XXXX within the first 90 days as advised by the seller. XXXX XXXX proceeded to tell me that the events are " too early in the agreement '' for her to offer me any options. Despite {$2000.00} plus two full payments being made on the vehicle already. She insisted several times in collecting a payment, asking me if I could make a payment the following day, after being told repeatedly that the vehicle was not under my possession and could not be driven. I assured her that the vehicle can be paid on a monthly basis as originally agreed with the exception that the damages on the vehicle are ridiculously high and the product financed ( vehicle ) can not be used for personal purposes as it is the purpose of this loan. She was also made aware that on XX/XX/XXXX an appraiser from my Auto Insurance was sent to appraise the vehicle. After this, the determination was that the vehicle was " worn out '' and " faulty ''. After one attempt of the vehicle being repaired, the vehicle was picked up on XX/XX/XXXX but failed to stay on and be driven outside the dealership. The vehicle has been identified as a risk to be driven on the road as it can shut down at any moment resulting in an accident as it happened twice before. Before our call ended, she again repeated that there were no options available at this time and threaten to damage my credit and to call back the following day with an update from the shop. However, as part of the terms and conditions of the initial agreement ( XX/XX/XXXX ) it is stated that I can ask for a deferral of the scheduled due date of all or any part of a payment. In addition, no options to change the vehicle were discussed either. I was able to pick up the vehicle later that day for a total repair costs that exceed {$1000.00} plus rental fees during the time that the vehicle was under repair ( 20 days ).
Product: Credit card or prepaid card

I owe an outstanding debt with XXXX XXXX/XXXX in the amount of {$1600.00}. It is now with a third party, Crown Asset Management. I understand that I failed my obligation to pay this debt I owe ; however, as a single parent I had financial difficulties resulting in my inability to pay. I had to repair my roof, replace my air conditioning unit, as well as fix my basement from a flooding incident. I have some funds available to settle this debt and they have refused my offer. I am in no way denying I owe the full balance ; however, my attempts to reconcile this with a more than fair offer to settle should be considered. I would like to settle this debt in full in the amount of {$800.00}. 50 % of the balance is a fair offer considering the third party purchased the debt pennies on the dollar. If approved, I can pay this immediately.
Product: Debt collection

I moved out of XXXX on XXXX XXXXXXXX XXXX  on XX/XX/year>XXXX  because the lease was up and the property manager didnt give me a lease renewal until 3 days before the lease was up. By that time I thought they were not renewing the lease and found another place to live. I moved everything out of the apartment there was nothing left. I hired a professional cleaning company XXXX XXXX XXXX to do a move out clean in the apartment. It was spotless. The property manager knew they had to replace the carpet because there was a flood in the apartment from the maintenance man who came to fix the washer machine and didnt plug it back in correctly. That was not my fault and there should not be charged. I also used a surety bond to secure deposit and pay for any damages if any when I signed the lease. When I spoke to the property manager XXXX XXXX she said I left the apartment trashed, which is a lie. She said they would send pictures which they didnt. The property XXXX XXXX waited almost 2 yrs to put this debt {$6700.00} on my credit report. They never tried to contact me, when I turned my keys into the leasing office they said I was good to go. The collection agency Sentry Credit Inc. is reporting false charges on my report. I will take legal action and sue them and XXXX on XXXX XXXX XXXX  for this false debt. I have photos and video as evidence.
Product: Checking or savings account

On XX/XX/2022 I spent {$520.00} on auto insurance, and the transaction was posted to my bank account on XX/XX/2022 in which I canceled the auto insurance policy and I didnt utilize the auto insurance services, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for my claim. This transaction was a debit purchase with Bank of America and not a wire transfer to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claim on hold. Bank Of America is committing business malpractice and consumer fraud. The Bank is violating banking regulations such as banking regulation E by not providing my provisional credit and retaliating against me for complaining about them by closing my account without notice and closing it without issuing provisional credits, I spoke with a representative who denied to provide my provisional credit on XXXX, XXXX, XXXX  around XXXX. Bank of America stated its up to the auto insurance merchant if whether or not they want to give me my provisional credit or refund. Bank Of America is violating federal banking laws such as Regulation E. A dispute is a dispute and the merchant normally disputes it not grant it. If the insurance company is sending me online bills although I dont have insurance with them then they will not grant a dispute against them. Bank of America is not following banking procedures, they are negligent and unprofessional. Its now XXXX  days and Bank of America has not submitted my provisional credit. I had the auto policy for less than XXXX days and I canceled it in less than XXXX  days.
Product: Money transfer, virtual currency, or money service

Every month I send a monthly payment of {$400.00} to my mom towards the beginning of the month. On XX/XX/year> I was going to send money over to her. But another person under the a similar name popped up. Not thinking, i sent the money to the wrong person. I tried to contact Chase to reverse the transaction, and they said they could not help me. Even though I send the same payment every month to my mom, its obvious it was a mistake. I tried to contact the person i sent the money to and they claimed they didnt receive it and dont use XXXX. They disconnected their number from XXXX but a month later they connected their number to XXXX  again. It was my mistake but that person could have done the right thing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$8100.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$790.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is reporting a collection that states it was opened 4 months ago : Opened XX/XX/XXXX ( 4 mos ) - {$2000.00} I did not open any accounts on this date. It appears that bought a XXXX debt from XX/XX/XXXX that has been resolved and removed from my credit report. It is back and they are trying to re-open the file with a new date to re-start the statue of limitations and collect again. 

XXXX Reported on XX/XX/XXXX - {$2000.00} This collection is fabricated and needs to be removed from my credit report ASAP.
Product: Credit card or prepaid card

I paid my loan ( credit card ) off with Yamaha Financing in XXXX. I contacted them on XX/XX/XXXX to inquire about my refund for an over payment. They stated there was no issue and it would be on the way. XX/XX/XXXX I called back because I still have not received my funds. They stated that the person on the XXXX never started anything toward my refund. So the XXXX XXXX  started it the process. Told me it would be XXXX weeks. On XX/XX/XXXX I called and spoke to manager XXXX and told him it had been 6 weeks and I still had not received my refund. He was going to expedite my complaint to the correct department. On XX/XX/XXXX my statement shows the funds were cleared. I called on XX/XX/XXXX because the check had still not arrived. XXXX told me I had to wait the full 30 days which was XX/XX/XXXX. I waited till today XXXX and called and spoke to manager XXXX. He states he can see where the account cleared, but can not see a check number, and will have to submit a request for a manager to call me with XXXX hours. This is extremely unacceptable. They charge me interest on money they loan me, but they hold my money way longer than necessary for a refund and dont give me any interest. They have a severe lack of communication in their association and I feel like Im just being dismissed.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX Account Open Date : XX/XX/XXXX ( XXXX & Equifax ), XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX only ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) Credit Remark : Reported as a loss by credit grantor ( XXXX ) Last Payment Date : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by XXXX is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by XXXX only, with no corresponding information for Equifax and XXXX. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Product: Checking or savings account

I had a check stolen and washed from my mailbox on XX/XX/XXXX. I checked my bank account online on Sunday XX/XX/XXXX, and I noticed that the check had been altered or " washed ''. I reported this to the PNC Bank the next day, XX/XX/XXXX. The woman I spoke too agreed that the check had been altered. I was advised to report the theft / alteration to the local law enforcement agency, which I did, also to report the incident to the Postal Inspector general, which I did, and fill out a " Affidavit of Altered Check ''. PNC Bank mailed me a blank form. I completed the form and had the document notarized, as requested and mailed the document to the PNC Bank XXXX in XXXX KY. I did all that I was instructed to do. I was told that " XXXX investigations '' could take between XXXX and XXXX  days to resolve on the initial phone conversation. Then, nothing from PNC Bank. I called XXXX times for an progress report and was told that " the bank can not comment on going investigations. '' I was then told in late XXXX that the amount of time that was required for fraud investigations takes between XXXX and 120 days. 
I have a personal banker with PNC Bank, as I have been a long time customer. I spoke with " XXXX '' my personal banker in mid XXXX, she was of absolutely no help. She said that she called and left a voice mail on my cell phone, I did not have any indication that this was true an there was no voice mail. She then went on vacation until XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX, I was not satisfied with her comments and asked to speak to her supervisor. Her XXXX, " XXXX '' called back the next day. I was not satisfied with his answer of " sorry, this one fell thru the cracks. '' I asked to speak to his supervisor. 
I did receive a call earlier this afternoon from a female, I shared my frustration with the situation. She informed me that the {$650.00} from the washed check had been deposited in my checking account on XX/XX/XXXX. I checked and that was in fact true. Because of the XXXX XXXX during XXXX I missed the deposit. However, neither XXXX XXXX XXXX mentioned that the money had been returned in our phone conversation on XX/XX/XXXX and XXXX, XXXX. I wonder why? 
I believe that the left hand does not know what the right hand is doing and no one at PNC Bank communicates with others, and they are do not communicate with the victim/customer.
Product: Credit card

I was scammed. Someone open an account with PayPal using my information. And I didnt know anything about it until XXXX  sent me an alert regarding an account thats over. And when I checked it was open XX/XX/XXXX with XXXX dollars. I know nothing about.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX , XXXX regarding an account. The written letter offered the option of " 1 payment of {$970.00} '' after which my account would be considered " Settled in Full '' once the payment is successfully posted. ( Please see attached letter ) When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid the {$970.00} ( please see attached section bank statement noting payment to XXXX XXXX XXXX , XXXX ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.
Product: Debt collection

National credit adjusters, XXXXXXXX XXXX XXXXXXXX XXXX was put on my credit report without me being notified to able to dispute the information. They have listed {$520.00} on my credit report with 0 notification. Opened XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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/XXXX I got a New car from the Nissan dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with Nissan-XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
Product: Credit card

WFBNA CARD {$5100.00} XXXXXXXX XXXX XXXX {$3400.00} XXXX {$12000.00} This are fraudulent accounts on my credit reports
Product: Credit reporting

On XX/XX/2015 I refreshed by Trans-union credit report with via the website. However, I was shocked to see my credit score drop from XXXX to XXXX. I was shocked because I paid down {$13000.00} in debt 2 weeks prior to refreshing my report. I called Trans-union only to be told the score dropped because they use an updated/revised score rage from XXXX to XXXX which lowered my score. I disputed this with the representative only to be placed on hold for XXXX mins I disconnected the call me due to the excessive hold time. I confirmed with XXXX and XXXX that my credit score remains in the the XXXX to XXXX rage.
Product: Credit reporting or other personal consumer reports

TransUnion is frivolously reporting a bankruptcy on my consumer report that has not been validated or verified in accordance to the law. XXXX bankruptcy court has assured me that they do not validate any public records.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to remove the accounts involved in fraud from the credit reporting with the multiple police reports they have in their possession. The problem is they are using a FAILED XXXX system in converting legal police reports into numeric code which then sent to the debt collectors. The debt collectors have no knowledge of the police investigation details from Detective XXXX XXXX, XXXX XXXX XXXX Police, instead these accounts are fraudulent coming back as verified. Which in itself is a crime. Detective XXXX XXXX, has stated the police reports below are final and no further police reports are needed for the police report cases. 

Police report numbers : XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX XX/XX/XXXX-REPORT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and noticed some invalid collections that should not have been on my credit file. This is really affecting my credit file tremendously and is causing distress in my everyday life.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not properly investigate this account. They are breaking the law by ignoring me. In accordance with the Fair Credit Reporting Act, the below account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have never had a collection issue with XXXX and they admitted it. Account in Violation of the Act and Law : XXXX XXXX ( ACCOUNT NUMBER : XXXX ) This account must be DELETED.