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

They failed to send any loan repayment documents or information. At the 30 day mark, I was forced to call and tell them to send the loan information. When making the first payment, I found they had charged a late fee. I spoke with the people who answered as service reps. They agreed to waive the late fee then continued to charge late fees for the first months payment over the next nine months. They collected nine false late fees on that months payment. Several phone calls later, they simply refused to stop the late fees. I then asked if they would move the first months payment to the end of the loan and was told they would. They could then collect five years interest on that payment and would stop the late fees being assessed as result of their incompetence and failure to deliver the loan repayment documents. They stopped assessing additional late fees but kept the nine late fees on the account. Every single payment over five years was made in full on time.

Two months after making every payment in full on time over five years, including nine false late fees, and paying the last of these false late fees two weeks ahead of the due date, I discovered they assessed another late fee ten days after the previous payment was made and falsely reported the last payment as late to the credit bureaus kicking my credit score down XXXX points. 

This group is shockingly unethical and employs illegal practices. Their website payment portal is completely wrong by hundreds of dollars. It does not state principal paid, interest paid nor does it show late fees. Again, three layers of management refused to correct any of their errors. They are a disgusting display of negligent employees with no ability to discern ethical or correct accounting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX  on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it.

Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the XXXX was what I wanted and came for and that they should honor my contract or terminate it. 

He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.
Product: Debt collection

I am not liable for this debt with XXXX and I do not have a contract with ADVANCED COLLECTION BU plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4900.00}
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report I noticed an account that is reporting inaccurately. I have a 30 day late payment on an account that I know for a fact I was on time with. The consumer reporting agencies must report all information with complete accuracy according to the Fair Credit Reporting Act. This XXXX XXXX Bank account has never been late on a payment and is reporting late for the following date XX/XX/XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/XXXX. I'm now requesting you fully investigate this account and update this payment to paid on time immediately. Thank you for your help and prompt action.
Product: Debt collection

XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.
Product: Debt collection

I am requesting that TRANSWORLD SYSTEMS immediately remove the inaccurate entry associated with account number XXXX from my credit report. The reported highest balance of {$890.00} is incorrect, and I was not notified of any updates, changes, or overdue payments on this account, as required by the Fair Credit Reporting Act ( FCRA ). 

In addition to removing the incorrect information, I request that TRANSWORLD SYSTEMS provide written confirmation that this entry has been corrected and removed from my credit report. If they can not provide proper documentation supporting the reported balance, I expect the account to be entirely deleted from my credit report. 

I request that this matter be resolved promptly and in compliance with the Fair Credit Reporting Act, ensuring that my credit report accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

I BEEN A VICTIM OF IDENTITY THEFT THE COMPANY SELF FINANCIAL/LEAD BA IS DATE OPENED XXXX AMOUNT OF {$720.00} REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT I ADDED DOCUMENTS THAT SUPPORT MY CLAIM COLLECTION agency did not send me anything to verify this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, A request to TRANSUNION to remove fraudulent reporting information was denied, the information to be removed under the fair credit reporting act, and was Dates of acts XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

XXXX XXXX XXXX charged my account XXXX on XX/XX/22 at XXXXXXXX XXXX. I called them the next day and requested a refund because I hadn't received services for the charge. I was notified that it may take 7 to 10 business days. We'll on Friday XX/XX/22 I called XXXX XXXX XXXX again inquiring about my refund and that's when I was told that it had already been sent. I checked my statement again and could no longer find the charge. I called my bank which is Chime and I was told three different stories as to why I can't see the charge, but was told that I had been refunded on XX/XX/22 when in fact I have not. I sent them proof of receipt that I was charged from the merchant and still no response. All I want is my money back.
Product: Debt collection

I receive phone calls from XXXX saying they are XXXX  XXXX XXXX in regard to a debt collection. Recording asks me to call XXXX. I have reported this company in the past and they continue to call repeatedly. Most recent calls were on XX/XX/17 at XXXX XXXX and XX/X/17 at XXXX XXXX I have also been receiving phone calls from a local number in XXXX XXXX XXXX FL
Product: Bank account or service

I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.
Product: Debt collection

XXXX XXXX XXXX, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of XXXX XXXX XXXX, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).
Product: Money transfer, virtual currency, or money service

In XXXX XXXX I tried to make an atm withdrawal of XXXX but no money came out. I spoke with the people who own the atm and they told me to dispute it with my card provider.i filed a dispute and then a few days later Venmo closed my account. While my account was closed I received a provisional credit of XXXX that I cant access because my account is closed. Received a email on XX/XX/XXXX stating that the investigation is complete and was ruled in my favor but Venmo still refuses to release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my credit score, Experian has dropped my credit score 20 points from XX/XX/XXXX till now. There has been no change in my credit nor have I endured any more debt. There is one negative report on my credit which occurred in XX/XX/XXXX. There have been no late payments or delinquencies. That being said, I dont understand why this has happened. I have not received adequate information as to why the drastic drop in my credit score. It has gone from excellent to very good which might affect my purchasing power. I would appreciate in information regarding this issue.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account PORTFOLIO RECOVERY that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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. Please remove the following items from my credit report, Immediately : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX , This inquiry are not authorized, Please Remove all from my credit report Immediately.
Product: Debt collection

My insurance was supposed to pay for this remaining bill because I already paid my part but I dont know why the clinic keeps collecting charges or keep reminding me if I already paid my portion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing with XXXX, experian, XXXX XXXX, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in 2006 i was not of age to consent to such action, as the required age is XXXX. XXXX, experian, XXXX XXXX all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX, Are claiming I owe {$450.00} for a Cleaning deposit. The apartment flooded because of a broken pipe, because of faulty plumbing, I have attached the pictures showing the damage. This Management has a History of committing Fraud, My Attorney and my local Government have put them under investigation, My attorney is in the process of filing a Legal Complaint against Fair Collections and Out Sourcing, They Have threatened me and call me 12 times a day, and i know this in in violation of the FDCPA. I have phone recording and documentation. that my attorney has, Thanks for listening. And PS, I ended up paying for the repair, Pics attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Since XX/XX/2023 I have received a number of calls from XXXX XXXX at XXXX XXXX XXXX. He has threatened license suspension, despite the agreement and conditional release that he and I have agreed upon and that has been sent to his office and the State of Tennessee DMV. He has been extremely uncooperative and abusive. I have made the initial payment, as requested and he is trying to throw every trick in the book to ensure that my license is revoked DESPITE the fact that the agreement is signed and notarized. He has been rude and unruly and has made an excessive amount of calls to my phone disrupting my work hours even though he has been advised of my work schedule. I just want to pay my debt as we agreed without be harrassed and abused.
Product: Mortgage

I applied for a mortgage and were approved for XXXX so then we found a house that was XXXX and they sent my realtor an approval letter for XXXX so we go to by the house and they declined us after they said they could. Then we find a house for XXXX that is way under their first approval and now they said that it 's still not approved because now they said I have to pay two of my credit cards off. And so we asked if we do that will we be approved and they said they are not sure. They never return our calls after multiple messages. They keep changing everything about our loan and what we need to. And we have lost two great houses because of it. And all they can say is sorry. Are you kidding me!!!!! And then they are putting signs on properties that do n't even qualify for what it says and they still just say sorry and wo n't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX TODAYS DATEXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX  XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me XXXX XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

I received an unsolicited " Debit '' card in the mail. 

The card is advertised as a debit card by XXXX, powered by XXXX. It's called a MoneyLion Debit MasterCard. 

I never requested this card. I've never even heard of this company. The information on the letter I received is all correct, including my full name and address. 

I was instructed to call : XXXX. I will not call this number as I don't want anything to do with this bank. 

Please investigate this company! I am certain this is a scam.