23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX To the Consumer Financial Protection Bureau. 

I have a complaint and believe that I a.m. not being treated fairly by VW credit. 

In summary, a XXXX XXXX that I recently leased was not placed on auto pay at the time of purchase on XX/XX/XXXXat XXXX XXXX XXXX XXXX XXXX as I had been promised. 

XXXX XXXX XXXX VIN : XXXX Account Number : I was led to believe that placing the vehicle on auto pay would decrease my monthly lease payments XXXX XXXX XXXX XXXX XXXX. 

I was initially made aware that this was not the case 37 days following my purchase on XXXX XXXX, XXXX. I made an online payment at that time of {$830.00}. 

I called XXXX XXXX XXXX, XXXX to remedy this. 

Obviously this was not remedied given that I was again notified on XXXX XXXX, XXXX that a payment was overdue. At that time I made an immediate payment of {$1200.00}. Unfortunately this payment was approximately 34 days past the due date and reported to my credit union. I again asked as to why Autopay had never been initiated and was told, for the 1st time, that they had no longer initiated such for the last year. I was never told this. 

This was not the case for the other 5 XXXX that I have previously and concurrently leased, which were all on Autopay. 

I would ask that this negative report be removed given that it was not completed at the dealership as promised. I have never had this problem with 3 prior purchases at this dealership and 2 additional purchases at other VW dealerships. I have made well over 200 lease payments to VW over the past years with no late payments. 
Previous leased VWs on auto pay XXXX XXXX XXXX XXXX ) XXXX XXXX ... XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Type : Lease Account Type : Lease Account Type : Lease Auto pay Auto pay Auto pay Current leased VWs on auto pay XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX VIN:XXXX VINXXXX Account Type : Lease Account Type : Lease Total Amount Due : {$250.00} Total Amount Due : {$250.00} Due Date : XXXX XXXX, XXXX Due Date : XXXX XXXX, XXXX Autopay Autopay I made an initial inquiry to VW credit on XXXX XXXX, XXXX with minimal to no help. 

I made a 2nd inquiry to VW credit on XXXX XXXX, XXXX which was ignored. 


I appreciate your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my XXXX Payment status says charge off Please verify and delete all inaccurate accounts
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my knowledge or consent. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I kindly ask for these items to be removed promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX OAK XXXX XXXX XXXX, TX XXXX XXXX {$920.00} XXXX {$460.00} XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3200.00} XXXX CARD {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$740.00} Inquiries : XXXX XXXX BANK XXXX XXXX RENT
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Validation for Account No : XXXX T o whom it may concern : This letter is in response to your attempt to collect an auto loan for account XXXX. This account was opened under the false representation of my name. This is neither an acknowledgment of debt nor refusal to pay, but a notice to request validation. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days for the receipt of this letter. [ INSERT ALL THAT APPL Y ] [ Creditors Name and Full Address ] [ Name of Debtor of record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge O or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitations ] [ Name of collection Agency or Owner of debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am submitting this complaint again because I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly verify this reporting information on my report and because of this I am now asking you for more information regarding this particular account in question. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Product: Credit card

After being a model customer for more than 10 years - never missed a payment, they are shutting off my card due to a internal policy that they will not produce any documentation to prove exists. 
I had to change the name of my company, but there was no other change to the entity at all. The ownership, EIN, address, etc. all remained the exact same. They mailed a notice to the WRONG address to ask for account information updates. By the time I received the communication, I only had 4 business days left to get the name changed in their system before they were shutting down the card for this technicality. So I began the process to have the name changed, which after being given bad and conflicting advice from 2 different Bank of America departments, I was still willing to go through their process to change the name. Only to be told a day later by another department that it doesn't matter, there is no way to change the name on the account and keep it open, it will be closed. SO they would be closing the 10+ year account, that has NO problems on it, in 2 business days. Which is putting a hardship on my company. I requested documentation on this policy and was told by XXXX of Bank of America that they do not provide anything in writing, they only provide verbal communication. 
I believe they have lender liability issues in the manner they conducted themselves with this manner for he following reasons : 1. they will not produce documentation proving a policy exists for closing this account for this reason. 
2. they did not give proper notice or provide ample time to remedy the issue. They mailed their notice to the WRONG address. 
XXXX they gave the borrower wrong and conflicting advice through the interaction I took good notes and was informed all the phone conversations I had were recorded, so there should be ample evidence to prove my statements above.
Product: Debt collection

I was living in XXXX XXXX  and my lease was ending on XX/XX/XXXX. I reached out to the XXXX XXXX  XXXX on XX/XX/XXXX that I bought a new home and I can move out early by a month and I need their assistance so that I can save some money as I dont want to pay both Rent and XXXX at the same time. Property XXXX had called me to the office and suggested that she can only approve XXXX  days early move out and noted in the print outs that XX/XX/XXXX move out approved and do not accel Rent. She didnt mention anything about early termination fee or anything that sorts during the discussion. My XXXX month rent was {$1500.00} and I had paid the prorated rent, other utility costs {$890.00} on XX/XX/XXXX and dropped off the keys in XXXX office on XX/XX/XXXX end of the day. XXXX sent me an email after few months that there are penalties for early move out / lease end date change, which is way ( XXXX to XXXX  times ) more than $ XXXX that I was trying to save by moving out early. I did sent many emails or letters to XXXX disputing the transaction and no response received. I did work with an attorney and sent Demand for release letter to XXXX. Later, they had reduced the amount from XXXX XXXX XXXX XXXX XXXXXXXX, which is still way more than what I could have paid if I was staying inXXXX for those 15 days of remaining lease duration. This is really unfair and trying to take advantage of the innocents like me. 

I did explain this and dispute the transaction with the collection agency as well and they dont show any interest in explaining/ resolving the issue. They are just reading out the amounts that it is valid. Either they dont understand the issue or they dont want to.
Product: Money transfer, virtual currency, or money service

Subject : Notice of Dishonor and Request for Resolution I am writing to formally address an issue concerning the transaction involving the signed purchase order for two vehicles through XXXX Cadillac Buick GMC. As part of the process, a border exchange was provided, ie IBOE yet unresolved matters remain regarding the terms as outlined in said purchase order.

Pursuant to 3-502, concerning the dishonor of notes and drafts, I would like to highlight the following : ( a ) Dishonor of a Note : If the note was payable on demand, and duly presented without payment on the day of presentment, it constitutes a dishonor. 
For non-demand payable notes requiring presentment, dishonor occurs if the note is unpaid by the day it becomes due or upon presentment. 
If neither applies, dishonor arises if the note is unpaid on its due date. 
( b ) Dishonor of an Unaccepted Draft : A check is considered dishonored if, when properly presented, the payor bank returns it or sends a notice of dishonor in a timely manner, or if it does not account for the check amount as stipulated under Sections 4-301 or 4-302.

It appears one or more conditions for dishonor as specified in the subject section may apply to this transaction. I request prompt clarification and resolution of the situation. I am seeking an amicable solution and trust that General Financial Motors will address this matter expediently.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Paypal sent me an email stating - " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' I don't use this account and would like to close it, and there is a credit card linked to the account. Paypal will not let me remove that credit card, nor will they let me close the account. 

On XX/XX/XXXX, I received a fraudulent request for payment through Paypal. I called Paypal using the number directly from their website and spoke with someone who tried to take over my computer. I hung up, but I can not reach a legitimate person at Paypal to get the account closed. If Paypal has " permanently limited '' the account, why are they accepting payment requests? Fraud is clearly happening, and the account just needs to be closed.
Product: Debt collection

XXXX XXXX was doing bad business. Only providing the signature page to sign but not providing a copy of the contract for the consumer to be aware of the policies of doing business with said company. I asked for a copy of the contract upon signing and I was delayed and dismissed to pack away my belongings in storage before they close. Then later told by XXXX XXXX the office has already been shut down all systems are off. I can get the contract when I come back another day. Upon the first attempt to pay for the storage unit, my account acquired fees that were not made clear upon entering the contract. I was then told they do not accept partial payments, although just {$10.00} short, they refused payment. By the next bill cycle the amount doubled with legal fees, etc. I was threatened my items would be auction next. XXXX XXXX was informing me that's why he is in he office at the moment, to prepare paperwork for units to be auctioned. My unit was put for auction and I petitioned an Order to Show Cause in XXXX XXXX Small Claims Court. I was sent an e-mail from XXXX XXXX manager of XXXX XXXX on XX/XX/XXXX to collect my belongings by XX/XX/XXXX at no charge. I received my things within the time frame given, I asked for paperwork for all the transactions between me and the company. I was denied, told by XXXX XXXX I have my belongings no further actions will be taken. I can drop the case. Then XX/XX/XXXX I started receiving letters stating I was in collections with Credit Protection Association L.P. I have notified them in writing in regards to matter. They will not cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$17000.00}
Product: Mortgage

ocwen mortgage refuses to do a loan modification on my loan. I have tried to get a modification on my loan XXXX times and I always get the answer of they can not do it. Loan is at 9 % way above normal rate. We are behind on mortgage they re fuse to help or use any of the gov programs.
Product: Money transfer, virtual currency, or money service

I usually purchase and sell stocks with the Robinhood online investment company. In early XX/XX/2023, while I had {$16000.00} in cash available, I wanted to buy about {$4000.00} worth of shares of XXXX. The reply from Robinhood was that I did not have enough buying power, which was false. That forced me to make two separate deposits of {$4000.00} and {$2000.00} on that same day. Even then I could not buy the XXXX stock because Robinhood insisted I did not have enough buying power. Few days after, all my cash, {$22000.00}, disappeared from my account and all my existing stocks were sold without my permission or knowledge. Worse, a XXXX account under my name was created by someone else. 
Robinhood is not answering any of questions, except in general terms. They said there was no problem on their end. 
The XXXX  created by someone else, but under my name has a deficit of {$6000.00}.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted I did not authorize these companies to run my credit
Product: Payday loan, title loan, or personal loan

This company had an outside agency which did not disclose there name or number call me and my husband which is not on my loan or a reference leaving threatening messages on both of our voicemails stating they will find me I cant hide they have my SS # and they will find me so I called them and set up a payment arrangement that is for more than what I originally took the loan out for which I already paid I was making the payments and missed one and the lady called leaving the same threatening messages.
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX any consent, any permissible purpose, nor did I give them any permission to share my information with a 3rdparty company such CRA 's. I have a right to privacy pursuant 15 USC 1681, 1692, and 6801. My private information such as my personal loan and banking information should remain private and not shared with a non affiliated 3rd party company that has no affiliation with Guardian Credit Union. This company shared and reported my private information without my consent which by law falls is aggerated ID theft. I did not get consent or permission for this company to share my non public personal information nor furnish anything on my consumer report. This company has an obligation to protect the consumers privacy and non public personal information. 15 USC 6802 states this company is not obligated to disclose any non public information to a 3rd party non affiliated company unless they provide the consumer with a notice that complies with sec 6803.
Product: Debt collection

My mother was admitted to XXXX XXXX on XX/XX/XXXX. She went for elective XXXX but landed in the ICU for almost a month. Instead of XXXX XXXX sending the amount owed after insurance was paid they sent it straight collections. Pro-Co Collections sent a balance of {$4200.00} on XX/XX/XXXX if {$3300.00} was paid in a one time payment they would offer a 20 % discount which amounted to {$840.00}. The one time payment of {$3300.00} was made on XX/XX/XXXX which I have a canceled check and bank statement. Pro-co did not write off the discount but sent it to another collection agency XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$840.00}. Copies of the letters, bank account, canceled check was faxed to both agencies. They refuse to send a letter of XXXX balance even though Pro-Co on a recorded line stated today they have a XXXX  balance on the account. XXXX health has also stated on a recorded line they have a XXXX balance. All three companies refuse to give out the representatives name when asked and they hang up. Then they say they need XXXX XXXX to tell them it's a XXXX balance. We have been dealing with this for months and my parents are elderly. Now XXXX is saying as of today after I told them I was contacting the Federal Trade Commision that Pro-Co had the amount wrong and that a additional charge of {$840.00} is owed but they can not provide where this additional amount came from or how they all went from having a XXXX balance to they can't send out letters saying the balance is XXXX after receiving all the information sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX FRCA Violation loans XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.