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

CNAC XXXX XXXX. took my car after I singed a new contract with them regarding two late payments that they had put at the end of my car loan which had me up to date on my car note the day my car not was due I went to pay it at XXXX in the amount of XXXX The CNAC locked me out of my account the following day sent me a letter of repossion the following day they came and took my car. I called and spoke with a loan person who told me that CNAC was backing out of the loan and I still have to pay for the car. As of today XX/XX/2022 I received a letter of intent to assign wages at my current job after close review I of all the paperwork that the company falsified my social security number. They also declined payment and arbitration agreement that was completed in the contract and forced a repossession on my back ground with a false information.
Product: Debt collection

{$7600.00} is the Amount that an collection agency is requesting I pay, and this is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX financial has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.
Product: Credit card or prepaid card

XX/XX/2019 I was at Home Depot and was told I would save XXXX dollars off my purchase that day if I signed up for a credit card. I agreed to do that and paid the remainder I owed on the bill with my debit card. I left the store believing my debt was paid in full. 

Now I have received a credit card bill for XXXX and being threatened with interest charges for a credit card I have never used and was not told that I was going to have that debt. I was frauded and misled, and I don't appreciate it at all what so ever. I was lied to, mislead, frauded by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took longer then 60 days still no Supporting Validation Documents
Product: Debt collection

This company is violating my rights and have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

I have made numerous attempts to fix these issues directly with this company, but they continue to violate my rights ; therefore, I am entitled to {$1000.00} for the violation that is listed. I am requesting that either they pay me or delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report and FTC to XXXX XXXX XXXX XXXX unit and they had enough evidence to block account ( Mercedes Benz Financial Services ) and they did but Mercedes Financial came back and stated the account was verified. so I called Mercedes Financial and they stated the account was noted as fraud. Then the rep from Mercedes Financial stated they investigator did verified the loan was mine but the investigator was actually talking to the man who stole my identity but never contacted me. How XXXX  can you get to contact the number on the contact from Mercedes Financial that was fraudulent. They gave a loan to a man fraudulent under my name who uses a South Carolina Address and I never had owned or lived in South Carolina, I live in XXXX NC! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and Mercedes Financial knew the loan was fraud and noted. So why would they fund it. Then Mercedes Financial removed the inquiry as fraud. The investigator with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against Mercedes Financial, Now XXXX Credit Bureau want even let me dispute it because XXXX  stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against XXXX if they don't fix this, I asked the rep with XXXX for the verified information they got back from XXXX  and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed
Product: Credit reporting or other personal consumer reports

Hello, I hope youre doing well. I have an existing XXXX XXXX Spend and Savings account. XXXX XXXX always tries to push the XXXX XXXX XXXX XXXX on their customers. I received an email from XXXX XXXX XXXX XXXX that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the XXXX XXXX XXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this XXXX XXXX XXXX account on XX/XX/XXXX. I then followed up with an email to the XXXX XXXX XXXX XXXX customer Service Department. I just noticed on my Transunion, XXXX and XXXX credit reports that XXXX XXXX reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, HMF Date of Inquiry XX/XX/XXXX, HMF Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

I deposited a cashiers check to simple bank, for which they put a hold on for 5 business days. The cashiers check was from XXXX XXXX made out to me. I wanted to cancel the deposit since I wasnt aware of this hold, in fact they mainly advertise checks will be cleared the next business day. At any rate, I wanted to have this deposit cancelled so I can go to my other bank and they said there is nothing they can do. I need this money for bills and a trip I am leaving for tomorrow and now can not access the funds from my cashiers check.
Product: Credit card or prepaid card

Capital One sends me mailers seemingly every week trying to get me to apply for one of their cards. I finally decide to apply for one and then I get denied! My credit rating is over XXXX so I 'm not sure why I was denied but I believe it hurts my credit. Capital One should stop sending offers to people who they deem ineligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charging my account illegally. Got banking information fraudulently and start charging my account;/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Arizona XXXX XX/XX/2023. 

Dear Sir, Complaint about un-intentional error made on my credit report. 
On XX/XX/2023, I went shopping at Kohls XXXX XXXX at XXXX Az, for XXXX shopping. My issue occurred at the point of payment, the casher on duty made a mistake when she opened a new line of credit for me. 
My intention was to pay with my debit card, but clearly she made a mistake, and apologized about the error and immediately cancelled the purchase via the new line of credit that she recently opened for me. Unfortunately, the fact that my social security number and my drivers license was used already caused a hard pull on my credit report. 
My specific request for writing you is for you to fix wrong report on my credit history caused by the hard-pull done on my credit history as soon as possible.
Product: Student loan

Continued calls to myself, my sister, my brother-in-law, my parents, my nephews, and my brother. Calls often are multiple calls in a row, threatening towards my family and disrespectful comments to my family members, disclosing information about the delinquency of my loan which I did not believe was allowed. If they want to harass me fine but family throughout this COVID pandemic is unacceptable and needs to stop.
Product: Vehicle loan or lease

I recently attempted to refinance my BMW Financial Loan through XXXX themselves, which is an option they offer. They pass you off to another company, XXXX, which has horrible customer service. I did not hear back after several days, so I called XXXX to find out the status. They stated that BMW Financial denied the loan, as I have past due obligations to BMW Financial. They refused to provide any information, and referred me directly to BMW Financial. I do not have any Past Due Obligations to BMW Financial. I called BMW Financial, and they agreed that I do not have any Past Due Obligations, but refused to provide any more information on why my loan was declined, or to speak with someone in the department which handles approvals. I feel that BMW Financial needs to provide ACCURATE and thorough information if they are going to decline a loan, which they did not in this case.
Product: Credit reporting or other personal consumer reports

Dear Experian : Im responding to the verified no-change letter you sent me for collection account. 
1. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. This account was PAID and CLOSED. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Product: Debt collection

I have a debt from the XXXX XXXX  XXXX that was paid in XXXX of 2020 by deposit at a XXXX XXXX branch. The company ideal collection services has placed the debt back on my credit report despite having a record of the deposit. The debt was for XXXX dollars. I paid XXXX, they have made no effort to contact me regarding this debt. Attempts to contact them has resulted in them hanging up on me and them demanding that I provide them part of my social security number by unencrypted email. I have offered to visit in person with photo ID and they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A CHRYSLER CAPITAL, Inc., et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A CHRYSLER CAPITAL, Inc., et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived -CHRYSLER CAPITAL is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-CHRYSLER CAPITAL is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Chrysler Capital is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When CHRYSLER CAPITAL accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to CHRYSLER CAPITAL from the trust. If CHRYSLER CAPITAL does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ).

-If CHRYSLER CAPITAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make CHRYSLER CAPITAL criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in those account to be removed. 

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.

XXXX XXXX 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!

Delete the late payments from my consumer reports
Product: Credit card

unexpected increase in APR on my XXXX XXXX card to 34.99. this is Usery, from Synchrony bank, XXXX XXXX XXXX, XXXX. XXXX XXXX
Product: Mortgage

HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I have disputed inaccuracies on my credit report and Experian has failed to properly look into my dispute. they just keep sending me the same letters saying that the information is accurate which it is not. They broke the law by not removing the information on my credit report within 4 days until the investigation was over PURSUANT TO FEDERAL LAW and this has caused ALOT of denial letters from other companies because they don't want to do their job properly. This has caused me a tremendous amount of stress as well because of getting denied for credit cards or a new car for my family. Also I see on the CFPB site there are ALOT of other complaints like my complaint about Experian and they need to be held accountable for the fraudulent things they have been doing! People like myself are trying to do better in life and its always the CREDIT REPORTING AGENCIES ( not bureaus ) that fails to do their job correctly. I feel discriminated against because I feel like they are just taking these company 's sides without hearing out the consumers mind you YOU GUYS NEVER GOT MY CONSENT PURSUANT TO FEDERAL LAW TO EVEN FURNISH MY REPORTS IN THE FIRST PLACE ( IF YOU HAVE PROOF I HAVE EVERY RIGHT TO SEE IT ). PLEASE SEE ATTACHED LETTER!
Product: Checking or savings account

I cashed a check in my son 's name and his university to my account to pay tuition for college. The Check has been held by Capital One since XX/XX/2023. The funds are still unavailable and have not been returned to my parent 's account as requested. Also, the use of the checking accounts ( 3 ) by myself and my children is locked. My son is unable to use {$520.00} which is unrelated to the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a identify theft report and police report almost 4 times now to Equifax on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. 

Equifax refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. 

Equifax needs obey the law and remove these inquiries immediately as provided to them in the government documents.
Product: Credit reporting or other personal consumer reports

Experian is reporting false latenesses on my credit report. I asked why they were reporting lateness when I was never late, they said it would take up to 30 days to investigate. It has been beyond 30 Days, I ask that Experian remove the latenesses.The accounts are below. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2018, I opened a XXXX XXXX Preferred credit card. I paid the annual fee of {$95.00} on the first statement, in XX/XX/XXXX. I successfully used the card and there were no issues for some time. 

On XX/XX/2018, Chase shut down my credit card accounts. I called in and asked for an appeal, in which they opened an investigation. They completed the investigation on XX/XX/2018 and decided to keep the accounts closed. 

On XX/XX/2018, I called Chase to get my annual fee refunded in a pro-rated amount. I feel this is fair because the closing of my account came from a Chase decision, not my own. I only was able to use my card for 3/4 of the year, therefore I feel it's fair to pay 3/4 of the annual fee. I don't believe it's much of an annual fee if you don't get to keep the card for a year. 

I spoke with a frontline representative, and they declined my request. I asked to be transferred to a supervisor, which they did. The call, at approximately XXXX, ended with XXXX, a supervisor, saying he had no power to reverse or refund an annual fee. I replied that I felt this was unfair and asked if there was anything else in his ability to make this right, and he said he did not have authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts the  XXXX XXXX XXXX- account number XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate