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

On XX/XX/XXXX I responded to email offers from CAPITAL ONE BANK. The emails offered up to {$35000.00} to purchase a car. Then, I received promotional mailers from a local car dealer. That dealer eventually made me believe that I was purchasing a car through a loan by CAPITAL ONE, which was false. I signed a RETAIL INSTALMENT SALES CONTRACT ( " rRISC '' ), which is not a loan agreement. I never received any money from CAPITAL ONE. I never received any advancement of money from CAPITAL ONE. But, CAPITAL ONE relentlessly demands that I confess that I owe CAPITAL ONE for a loan originally for {$17000.00}, but now CAPITAL ONE is reporting to the credit bureaus that I owe over {$20000.00}. It appears that CAPITAL ONE gave the dealer a loan to finance the dealer 's purchase of the car by paying off the {$6000.00} original lien, and then the dealer assigned the RISC to CAPITAL ONE as security for that loan. The car, a XXXX XXXX XXXX XXXX, was delivered to my driveway by dealer personnel that same day. The car had a bad engine that was subject to a recall by the manufacturer and a flat tire. The car is also subject to a subsequent recalls including because of the gasoline pipes in the engine therefore I have not driven it anywhere. I have not received a valid TITLE from the New Jersey XXXX XXXX XXXX ( " XXXX '' ). In fact, the most recent XXXX report on the car ( attached ) does not show that transaction of XX/XX/XXXX. It only shows that a new owner acquired a valid TITLE on XX/XX/XXXX, which " new owner '' is the dealer that allegedly sold me the car. NO OTHER " NEW OWNER '' EXISTS IN THE XXXX REPORT NOR AT THE XXXX. Apparently, the dealer reported the transaction to the XXXX s a lease, not as a purchase. The only assignment of a valid title concerning the car was signed by the dealer on XX/XX/XXXX as purchaser. I filed a lawsuit in Federal District for the District of New Jersey CASE XXXX. The arbitrator nor the district court judge wants to enforce the law. Instead, they are disrespecting the law and blaming and threatening me for filing the lawsuit allegedly in bad faith.
Product: Credit card or prepaid card

I have a military star card with an unknown minimum payment. This account has been open since XXXX of XXXX. I pay the full, or at least half of the statement balance each month through the mobile app. A late payment remark was put on my credit report in XXXX of XXXX. Im positive I payed on time and believe it was an issue with the mobile app processing my payment slowly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX collection account was opened fraudulently back in XXXX. I have disputed this item as a result of identity theft numerous times, but XXXX continues to report this fraudulent account on my credit report. I mailed and faxed the company documents last year including an FTC report, identity theft affidavit, and a police report supporting identity theft. After spending countless dollars mailing and faxing this information to XXXX upon their request, they still are refusing to stop reporting this fraudulent account to my credit report. 

On XX/XX/XXXX, I reached out to the original creditor, " XXXX XXXX XXXX '' and obtained copies of legal documents including the original contract and the GAP Addendum to Installment Sales Contract. It appears that the GAP Addendum to Installment Sales Contract does not bear my signature nor the signature of the creditor or dealership representative on behalf of the creditor. It also appears that there is a discrepancy between th

e GAP insurance coverages. Attached to this complaint is two docu
ments : the GAP Addendum to Installment Sales Contract in which does not bear my signature, as well as the Calculation of Surplus or Deficiency document that reflects a discrepancy between the GAP insurance coverage amounts listed on both the GAP Addendum to Installment Sales Contract and the Calculation of Surplus or Deficiency document. This GAP contract shows that the price of the GAP coverage totaled {$790.00}, whereas the Calculation of Surplus or Deficiency document shows that the GAP insurance rebate totaled {$800.00}. This information can be found in the highlighted portions of the attached documents. Regardless, the original creditor does not have my signature on the GAP contract, which proves this transaction was not authorized by me. This information provided clearly shows inaccurate information reported on my credit file and should therefore, be permanently deleted from my credit file. 

According to the Fair Credit Reporting Act, it states, " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As a result, promptly remove this account from my credit report.
Product: Debt collection

This collection has been reported on my credit report. This collection is not valid as I have never resided at XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX reported a joint account opened XX/XX/XXXX for collections in the amount of {$3500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported a joint account opened XX/XX/XXXXXX/XX/XXXX for collections in the amount of {$1500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$1500.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in 2016. However, any accounts with HSBC were filed under bankruptcy. Also, XXXX XXXX purchased accounts from HSBC and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX HSBC BANK NEVADA XXXX. 
XX/XX/2016 {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXX, XXXX   XXXX as reinstated the debt to read HSBC.
Product: Debt collection

Aargon Agency- Not willing to dispute or come to an agreement. Told me disputes where something they DID NOT DO ( which if they record calls can be verified ). Did not provide medical breakdown of expenses and simply wanted to collect. Informed me of a NEW medical debt collection from XX/XX/2022 for {$2300.00} which I was not aware of as I've had medical insurance since XX/XX/2022 and even paid a copay in that visit, under the No sursprise act that bill should not be allowed. The also informed me of a collection which is NOT in my records for the amount of {$4700.00} from XX/XX/2022 which they threaten would soon be also placed on collections ( This has never been put in collections and should not be allowed to be placed a year and a half later. ) XXXXXXXX XXXX XXXXXXXX XXXX ambulance bills from XX/XX/2022 and XX/XX/2022 which when I contacted them to dispute they told me that is something they did not do. Attempting to collect a breakdown of my bills they gave me wrongful information and complicated steps to complete in order to achieve receiving them. They're unwilling to come to a dispute or agreement.
Product: Credit card or prepaid card

A merchant sent me goods that were returned in transit that I paid for using a Chase Sapphire card. Chase asked the merchant only if the goods were sent. However, the goods were never received. Chase claims that I am responsible for the {$530.00} even though I never received anything because they took the merchant 's word. This is completely unacceptable.
Product: Credit card

A credit card account was added to my primary bank account, which I never agreed to, nor seen the card, nor used the credit card. It was never mailed to me. However, I have been getting charged with overdraft fees from my primary account. Which is strange considering that I have not had an overdraft fee in over 10 years due to my savings account. If I go over on my primary account the funds will automatically take from my savings. I had it set up this way for years. When I noticed a charged was added to the credit card account of {$100.00} by checking my bank on line, I paid the balance ONLY to get it off my account, hopefully to get rid of it. However, the balance continued to increase. After speaking to a banker considering this matter is when I was informed that the charges were from overdraft fees and the credit card was set up as an " overdraft protection '' instead of my savings. I explained to the banker that I never agreed for the credit card to be my overdraft protection because I had already have that set up with my savings account. I continued by informing her that I have not had an overdraft until this credit card was added to my account, that is strange. Supposedly I had overdrafts since XXXX to XXXX. Now I have a balance of {$470.00} which is now on my credit report and affecting my score. I informed them many times that I did not agree for a credit card to be added as my overdraft protection, nor have I seen this card, nor even used the card but still I 'm being harassed to make payments on this account and damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the agreement entered into by XXXX XXXX, the borrower, and the US Dept of Education in conjunction with XXXX XXXX XXXX XXXX University, the borrower was declared XXXX XXXX XXXX   XXXX by the Federal Government and offered complete forgiveness of all federal student loan debt to be paid by XXXX. The borrower, XXXX XXXX, accepted the offer and was able to successfully abide to the rules of the agreement, including a monitoring period of three years in which the borrower would maintain federal acknowledgment of being XXXX. This agreement provided that should the borrower meet the criteria of eligibility, upon completion of a three year monitoring period, all federal student loan debts would be paid by XXXX , XXXX, and The borrower would be released from all debt obligations, and that these debts would be held to reflect no negative payment history, nor any attempts to be placed into collections nor sold to any collection agency. The borrower became XXXX in XXXX of XXXX, and was offered forgiveness due to XXXX  XXXX. The agreement provided by the federally accredited student loan forgiveness repayment organization, XXXX , XXXX, outlined that during the investigation period no debts would a reflect late or negative payment history, nor would interest be charged to any accounts ; and that if at any point the borrower did not meet the criteria necessary for XXXX classification, or was no longer classified as XXXX by the Federal Government, he would be responsible for repaying all debts to include any interest incurred as stated by the original loan agreement. As of XXXX, the borrower continues to maintain classification as being XXXX XXXX XXXX   XXXX and was determined to have met the criteria outlined during the monitoring period. As such, all federal student loan debt has been paid by XXXX, XXXX as agreed and should reflect all accounts as paid and closed, and represent no late or negative payment history. Additionally, as stated in the agreement, no accounts should have been placed in collections nor sold to any collections agencies as all accounts are considered to have been paid in full and on time. The reflection of any accounts held with XXXX XXXX XXXX XXXX University or the Fed Dept of Ed stating negative payment history and/or placement In collections violates the agreement between XXXX, XXXX with XXXX XXXX XXXX XXXX University and the Fed Dept of Ed. As both institutions have received payment as agreed, and all stipulations of the agreement were honored, negative reflections of payment history and/or any accounts placed in collectionsor sold to a collection agency are the be understood as fraudulent representation of account information. Both agencies have been made aware of this and continue to place negatively impacting information on the borrowers credit history indicating both institutions guilty of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unanswered Dispute with TransUnion after 60+ days I sent my dispute letter via certified mail ( XXXX ) on XX/XX/XXXX, to Transunion. TransUnion confirmed receipt on XX/XX/XXXX by mail and assigned file number XXXX. 

On XX/XX/XXXX, I sent a second dispute letter via certified mail ( XXXX ) advising TransUnion that it's been over 30 days, and I'd like the account removed from my credit report. As of XX/XX/XXXX, I've seen no response from TransUnion. 

As of today, it has been over 60 days since I've heard from TransUnion.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an incident of unauthorized access to my credit report by a creditor. I believe this action is a violation of my rights, and I am requesting your assistance in resolving this matter. 

The specific details of the incident are as follows : Creditor Name : M & T BANK XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Reason for Dispute : I did not provide authorization to this creditor to access my credit report, nor did I initiate any business or credit relationship with this entity at the time of the inquiry. 

I have reviewed my credit report and noticed an unauthorized inquiry by the creditor listed above. According to the Fair Credit Reporting Act ( FCRA ), only parties with permissible purposes are allowed to access my credit information, and in this case, there was no authorization provided by me for this action. 

I have attempted to resolve this issue with the creditor directly by sending multiple letters. However, I have not received a satisfactory resolution or explanation. 

As a result, I am requesting that the CFPB investigate this unauthorized inquiry and take appropriate action to ensure the removal of this inquiry from my credit report. I would also appreciate any guidance on steps I should take to further address this issue and protect my rights moving forward. 

Enclosed, I have included copies of my credit report showing the unauthorized inquiry. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Debt collection

Firstly, I was double charged by XXXX and I told them about and they said it was because a reverse payment in XXXX. Remind you its XXXX. They also charge me a late fee. I told them I will not be paying for. Mind you Ive been a loyal customer of XXXX years, never missed a payment, I actually paid the bill that was due in XXXX, I just wouldnt pay the double charged. I called to talk to a manager, got a hold of her, and was told that Id receive a call to fix it a week later, never got the call. Then I messaged customer service. They agreed that I shouldnt have been charged, but that I still had to pay it. I told them im not paying the extra charge or the late fee. So they dropped the late fee. But still tried to make me pay the double charge. I told them I wanted to cancel my line because of the lackluster support. It was all about money and not customer loyalty. So they dropped the line. Never told me Id have a debt collector harassing everyday asking for money, or that Id need to pay anything before dropping said line. They sent my return papers and that was the end of that. Now my credit score has dropped XXXX points because of this falsity and lack of communication. They also asked me to talk with my bank and my bank said they saw nothing on there side of a reverse payment. This should have been a dispute between XXXX and my bank, but no the easier route is to pick on the loyal customer and force money from the consumer when theyve paid every month on time. Lastly, Ive already returned their equipment.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, XXXX XXXX XXXX sent payment for medical XX/XX/XXXXgloves in amount of USDXXXX XXXX to XXXX XXXX XXXX XXXX Citibank , N.A . blocked this transfer pursuant to U.S. sanctions. 

On XX/XX/XXXX, the Office of Foreign Assets Control ( OFAC ) issued license XXXX for the following action : to process the transfer in accordance with the original payment instructions : " Citibank , N.A . blocked this transfer pursuant to U.S. sanctions administered by the Office of Foreign Assets Control ( OFAC ). OFAC has carefully reviewed the information presented and otherwise available to it in connection with this transfer and has determined that Citibank , N.A . is authorized to process the transfer in accordance with the original payment instructions. '' XXXX sent the license to Citibank and repeatedly contacted Citibank regarding this payment. CitiBank ignores XXXX 's requests. 

Our supplier still has not received the funds. We do not understand why the OFAC license order is not being fulfilled and the payment has not yet been executed. 

XXXX XXXX is engaged in supply of medical products. Thanks to its activities, a number of hospitals, including children 's hospitals, have been supplied with medical consumables. The retained amount is significant for us and leads to a shortage of working capital. 

We ask for your cooperation and assistance in making the payment.
Product: Credit card

Examine the attached documents. I want the bureau to commence an investigation into these accounts, for which I am never late, but are inaccurately reported as late.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I signed a non binding agreement and wired XXXX $ to XXXX XXXX XXXX. I was told I would then be sent the official property management agreement and lease agreement for this passive income airbnb investment. This did not happen. After 5 days, I requested my money be returned as the only paperwork signed was the non-binding, and they refused and made many silly excuses as to why they spent all the money and couldn't return it. They now won't answer my messages. I saw this scam on XXXX, and met the person in person, prior to investing but it is a scam. Please help get my money. My bank ( XXXX ) will not even investigate it saying I am to blame because I sent the money. But the company isnt honoring the non binding agreement. I am told that by Bank of America accepting their money in their account that they are responsible for money laundering and need to close the scammers accounts and refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am verifying that XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at