23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

in XX/XX/XXXX, a company that no longer even has a website called XXXX Credit card services, address XXXX XXXX, XXXX, NY XXXX, called me and told me they would consolidate my credit card balance to a new card with a 0 % interest rate for the life of the card. they opened a new XXXX XXXX credit card for me without even moving the balance over and it was a credit card that had a 0 % interest rate for the first year and that 's it. they charged {$720.00} for this and after i realized they never completed any service besides opening a new card for me that i could have done on my own and lied about a 0 % interest rate for the life of the balance, i got in touch with the XXXX and FTC where it was finalized that i did not owe anything to them in XX/XX/XXXX while on my honeymoon XX/XX/XXXX, i got a call from XXXX called CIB collectors saying that carenet has pushed my information to them for their unpaid amount of {$720.00}. The individual Named XXXX was extremely unprofessional while I trying to explain that this had been taken care of three years ago and he kept interrupting me and saying that it isnt taken care of. I want to file a complaint and have this taken care of once and for all. I do n't understand why it has been resurfaced after 3 years after I took the right actions to end this years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance-
Product: Mortgage

The contract I have with CELINK ( XXXX XXXX XXXX, XXXX Mi XXXX ) states that the interest rate may change ( date to look at XXXX ) 30 days before " change date " my change date is XX/XX/XXXX. The last change by the company used a date before the 30 days, ( in XXXX ) when XXXX was higher than it was at the contract specified date resulting in a higher rate than it should have been. I complained to them to no avail. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a payday loan in 2010 from a company called quik cash in XXXX Kansas. When I began to struggle I could not pay it myself and filed chapter XXXX bankruptcy with an attorney. Since I filed they have called my references and told them they were going to send me to jail, that I had court documents that I needed to pick up at the courthouse, had outside agencies call and demand payment and today they tried to collect by pretending to be my local police department. I called the number on my caller I 'd back and got my local pd and asked for officer XXXX after the initial call was disconnected where this " officer XXXX '' said I was being brought up on Criminal charges for writing a bad check for a payday loan. The pd said there was no officer XXXX employeed through them and they did n't have a legal department cuz officer XXXX kept having me talk to the pd legal department. Nice lady at pd said it had to be a scam cuz this just is not how the pd does things and this officer did not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX  XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report act XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

In accordance to the Fair Credit Report act Credit one bank has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Vehicle loan or lease

I have been having a recurring problem with American Honda Finance failing to process my payment checks in a timely manner. For this month 's bill, the statement arrived on XX/XX/XXXX and my payment due date is XX/XX/XXXX. American Honda Finance has routinely taken between XXXX to XXXX business days to process my payment check, even though I mail it in the day that I get my bill in the mail. 

This has led to multiple occurrences of American Honda Finance not crediting my payments until after the due date has passed even though payment was mailed far in advance of the delivery time required by XXXX. As an example, in XXXX I mailed my monthly payment on XX/XX/XXXX, but American Honda Finance did not process my check until XX/XX/XXXX, nearly XXXX weeks after I had mailed it. No other company I have an account with struggles to receive and process my monthly checks, this is an issue I have only encountered with American Honda Finance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX RE : KIA Motors finance Retail Installment Contract XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear KIA Motors Finance, The confirmation notice dated XX/XX/2018 from your office cancelled ANY/ALL debt ( s ) and or payment installment contracts. The notice confirms that the debt has been paid in full. I have included a copy of the notice for your review. Please update your records as this information has been reported to the Consumer Financial Protection Bureau and a complaint has been filed. 

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

I contact Jefferson Capital Systems in regarding to an account that listed on my credit report in the amount of {$5700.00}. I tried to resolve this matter on the phone several times. I have yet to reach any resolution. 

In addition, I notified my information was breach thru XXXX between XXXX 2017. I file an official report regarding this breach since my data is on the dark web, and there are a couple of items on my credit report I do not recognize and I have to deal with consumer reporting agencies of my personal non-public information as a result.
Product: Credit card or prepaid card

I filed a complaint with the North Carolina Department of Justice, but referred me to the CFPB, because State has no jurisdiction over federal court cases. 

Now, I ask GM / Capital One to refund my money {$18000.00} because GM / Capital One had a fraudulent credit transaction from my two banks. ( Exhibit # A ). 

GM / Capital One provided two credit card numbers are NOT my credit card number, both credit cards were withdrawn from my two banks totaling USD XXXX. 

I am a victim of identity theft, and GM / Capital One conducted a false credit transaction. and also I did not give GM / Capital One any authorization or consent to allow the GM card or Capital One to withdraw my money from my two banks and deposit them into two different accounts, both none of my credit cards is my credit card.different account that is also violated false statement, and antitrust law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one account have 2 late payments reporting and I've never been late on any of my capital one accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; 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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I pay full the credit card, my balance was {$0.00} and I dont use credit card for several months, and a charge for {$68.00} from body guards I call and report this fraudulent charge to chase they say the charge are validated, And I did not authorize this charge, this is a membership and I never authorized this charge.
Product: Mortgage

Twice this year ( 2018 ), Wells Fargo ( who purchased my mortgage last year a few months after we obtained the loan from a local broker in XXXX LA ) has failed to process my online mortgage payment, even though each time they did process the additional principal payment that was made through the same web transaction used to pay the regular mortgage payment. I believe Wells Fargo is doing this because I am paying off my loan faster than required, and they are looking for other ways to make money off of me ; I believe they are hoping that I won't notice the missed payment until I am past due, at which point they can charge a late payment fee.
Product: Credit card or prepaid card

My account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long time.
Product: Vehicle loan or lease

I have tried to reach out to Ally Bank, I reached out to someone from Ally Bank with the name of XXXX, no last name was given title Executive Customer Relations, and I have not received the satisfaction that I deserve. Now I am turning this Attention to XXXX XXXX XXXX of Ally Financial Concerning the purchase at XXXX XXXX on XX/XX/2022. I am bringing to your attention about a concern which is Urgent and time Sensitive. It's the matter of account XXXX. And the contract which was given to me to sign which is unlawful, and a violation of my human rights as a Consumer. When I really sat down and looked over this contract, I notice so many illegalities. First of all, I was never given the opportunity to go over this contract also the customer representative never went over this contract with me, and they violated my unknowing knowledge. I asked them can I take the contract home I was told no, I also asked If I decided not to want the car can I bring it back the answer again was no, being eager for transportation I signed the contract, But I kept looking over the contract and i notice so many illegalities. There is no such of a matter that once you signed a contract you are bind to it especially if the dealership did not explicitly explain the calculation of finance charges as well as other unknowing charges. Truth and lending u.s code 1601. 
Now Because I refuse for ally to further take advantage of me with this illegal contract I am being threaten with repossession of my property, this is not about wanting something for nothing, XXXX XXXX XXXX you and I know that the moment I step into that car dealership with my signature and social security # which is also against the law, that car was paid for also its the matter of the promissory note I sent to you on XX/XX/2022 which you didn't accept but yet never sent it back. Another payment. I am asking you to deal with this situation Immediately and to stop action on repossessing my property.
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points in XXXX month checking XXXX XXXX. My only bad entry was an 8 month credit history. Before that, I had YEARS of credit history. I did nothing to cause it. I've paid everything on time. I got my free credit report from Experian. I don't know how to make heads or tails of it. I saw that a XXXX  in Colorado ( where I had legally sold land, and have no ties to that land any longer ) is still applying taxes against me for that land. My other uses of credit are ALL either paid off and closed, or are ongoing and are paid on time. All payments were OK in my credit history. 
1. Who reset my credit history? 
2. Why is a Colorado XXXX assessing taxes on me for property owned by another? 
3. Who can untangle this mess?

4. Has anyone broken the law?

5. Can I seek damages against the those who have done this to me?
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX XXXX Amount Collect : {$400.00} from Creditor XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX XXXX XXXX  XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several unauthorized inquiries on my credit report. Upon reviewing my report, I found the following inquiries that I did not make nor authorize : XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX These inquiries are not mine, and I request that you remove this incorrect information from my credit report immediately. 

Additionally, I have found TransUnion website and the process for disputing information online to be quite difficult to navigate. Therefore, I am seeking your assistance to ensure that these unauthorized inquiries are removed promptly.
Product: Credit reporting or other personal consumer reports

I am a victim of an Equifax data breech and my personal information has been effected, this includes my name, SSN, and date of birth. Accounts were opened in my name by a theft and due to identity theft the listed accounts must be blocked according to 15 US 1681c-2 ( a ). Please confirm once these accounts have been removed and send written correspondence to my home adress listed. The accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please block from my credit report, these are a result of identity theft.
Product: Credit reporting or other personal consumer reports

I paid Lexington for over a year to fix my credit. Nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FIN SVC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and BMW FIN SVC with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late.  There was an error on their part. I was never 30 days late.
Product: Debt collection

This collection agency continues to harass me with calls and notices and has not complied to my request to stop the excessive calling, provide name and address of the original creditor, a copy of the original signed contract, delegation of authority giving them the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with of the alleged debt.
Product: Mortgage

Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015.
Product: Vehicle loan or lease

Hyundai Motor Finance refuses to make any action on their title services. 

I attempted to do a state title transfer while still in my lease for DMV registration purposes after moving to a new state. After initiating the title transfer request I received the message " Hyundai Motor Finance has submitted your title release request. This step may take up to 5 business days to be completed. '' Three months later, the title transfer request is still at this step and process to actually request the title was never finished. 

Now I decided to do the lease buyout, paying over {$10000.00} to XXXX. I confirmed with several representatives over the phone that the title will be sent to me via mail within a short time frame after explaining the above situation. It has been a month since then and once again the title services has the status " Hyundai Motor Finance has submitted your title release request. This step may take up to 5 business days to be completed. ". Notice in my attached screenshot they haven't even finished the process to REQUEST my title after a entire month. 

Throughout my entire leasing process XXXX has failed to ever send me any required documents, and is now holding the title hostage for a vehicle I paid for.
Product: Payday loan, title loan, or personal loan

I have been doing business with Lendup.com for some time now and have not had a problem with them except for this month. I established an installment loan with them of {$500.00} a few month ago and agreed to pay payments of {$93.00} per month, due on the XXXX of the month. ( I am on XXXX and get paid on the XXXX of each month ) I signed the agreement in good faith. Yesterday, the XXXX of XXXX, they took the {$93.00} out of my account which caused a negative balance in my account. My bank, XXXX XXXX XXXX, charged me a fee of {$35.00} for the negative balance. 

In addition, I changed my phone number several months ago and have attempted many times to inform Lendup of the change through their contact page on their website. I have yet to hear back from them to get this changed. I can not change the number myself on the account and it is the only way I can contact anyone there. They do not accept calls as they call back when I call. But since they have the wrong number, I can not talk to anyone. Please help! 
Respectfully, XXXX XXXX.
Product: Credit card or prepaid card

Wells Fargo Bank NA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX

ACCT PAID OFF. PLEASE REPORT THE ZERO BALANCE ASAP. 

THANK YOU 
XXXX XXXX XXXXXXXX