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

A hard inquiry was made by Bank of America on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.
Product: Checking or savings account

Disputes filed with chase that were closed. 

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 Disputes filed with chase that are open 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
Product: Vehicle loan or lease

On XX/XX/year>2024, I purchased a 2024 XXXX XXXX XXXX ( brand new car ) through financing. I agreed on a total price of {$62000.00}, including taxes and fees, with XXXX XXXX ( General Manager ). However, during the signing process, XXXX XXXX ( Financial Services Manager ) had me sign documents on an XXXX, claiming the printer was out of order. The details were not visible at the time of signing, and later I discovered unauthorized charges added to my loan, including : XXXX XXXX XXXX - {$8400.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX - {$650.00}XX/XX/XXXX- {$310.00} XXXX XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$990.00} XX/XX/XXXXXX/XX/XXXX - {$560.00} After making a down payment with my credit card, I realized that my total loan amount increased to {$75000.00}, far exceeding the agreed price. Despite multiple attempts to contact the dealership for a refund of {$14000.00}, which they promised, no action has been taken. My calls and emails to XXXX XXXX were ignored, and XXXX XXXX was unprofessional when I escalated the issue. They initially assured me that refund documents would be sent, but I have yet to receive them.
Product: Debt collection

Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXX through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions. 
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts. 
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question. 
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application. 
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company. 
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated. 
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable. 
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.
Product: Checking or savings account

5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}
Product: Debt collection

This involves American Express. This involves an account that belongs to a relative and I have never been financially responsible for this account. I am repeatedly contacted by American Express and a variety of debt collection companies for payment. I have on numerous occasions instructed the company to stop calling me. I have done this by letter and verbally. My next step will be to contact an attorney.
Product: Credit card

I have a Care Credit Card. I have called the company several different times since 2012. I had a XXXX and was late on some of my payments. I called them to find out what options I had to get back on track since I was off work going back and forth to doctors to see what exactly was wrong with me. It took a year to find out that I had actually had XXXX strokes. In this time frame, I was not using the card for my doctor bills because I have insurance. But to make a long story short, I have paid all my promotional balances off according to my online statement. Today I called them and the representative tried to tell me I have an old promotional balance of like {$4.00} and then something about a balance of {$200.00} that is being charged interest. There is no open balances on my statement. The total amount of {$2200.00} is marked as unpromotional balance - which means interest on top of interest. No one can explain any of this to me. I have not been able to get anyone to help me resolve this issue since 2012. I am at my wits end to get this resolved. I do n't feel like I owe this but when I spoke to a representative and tried to get help I was informed by him that his supervisor told me to call XXXX. I called that number and it is to a debt collection agency or company to like consolidate debt and get on a monthly payment plan or something. I just want every one else that is considering getting a Care Credit Card to refrain from doing so. It is definitely not a reputable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, Equifax, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and Equifax as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
Product: Payday loan, title loan, personal loan, or advance loan

My quick wallet took XXXX out of my account after numerous cease and desist requests and phone calls. All they kept saying is that they cant do that, that they wont move the date. I have already reported them for the outrageous fees I knew nothing about but now they will not take off the ACH payments. They said they removed the fees but will take out XXXX starting on XX/XX/XXXX, then another XXXX after that XXXX weeks later and another after that then a smaller about to cover XXXX. They have already taken XXXX. I do not want any further payments taken from my account. They will not give me a real break down nor work with me and now it states my account is passed due and when I questioned that I was told its bc Im not paying fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My company had a PII leak so they provided us with Equifax XXXX XXXX for two years. I attempted to activate it with Equifax starting in XXXX and I was barred from creating an online account and directed towards customers service. Since XXXX, I have called XXXX  of 15 times to rectify the situation. I have verified my PII with Equifax and was able to receive my credit report, but still am unable to create an online account to activate the product my company purchased form them for me to use. Each time I call they say they need to fix information on their end and will send me an email ( with no timeline or follow up ). Its been 3 weeks since my last call and I have yet to receive any communication, so that is wasted money from my company. I am still unable to create a XXXX account.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report that I would like removed. 
I've also reached out this company to no avail. 

Inquiry Date - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was contacted by myself as well as my credit union in reference to a late payment reported in  XXXX    XXXX   on my credit report. My car loan is reported as 30 days past due. Upon discovery of my  XXXX   XXXX  dropping nearly  XXXX  points, I filed a dispute. My credit union made it very clear that I 've never been late. The creditor has even provided written documentation and requested the error be removed. I was supposed to refinance my car loan in  XXXX , and I ca n't because my score is adversely impacted by this erroneous late payment reporting.every month I 'm paying a higher APR than I have to because Experian refuses to correct the error. They 've claimed to have investigated this, but this can not be true. On  XXXX   XXXX   XXXX  .. The c reditor sent another letter asking Experian to delete the erroneously reported late payment. They still have n't to date. They also have n't corrected my previous Oklahoma student loan to report as closed due to refinance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, PayPal fraudulently charged my checking account instead of my credit card account. 

For many months I had automatic charges made to XXXX from PayPal using the same credit card. Without any changes taken by me, nor any notice to me, PayPal started charging my checking account instead.
Product: Credit reporting or other personal consumer reports

Initially, I was offered, and advised, that I had TWO YEARS at XXXX percent interest. My account was opened XXXX XXXX and the XXXXXXXX XXXX  racially PROFILED and REDLINED my credit in XXXX XXXX, maliciously decreasing my credit limit. The supervisors excuse was they didnt believe, they would receive their money. Surly, I made every payment XXXX days earlier ; which contradicts her explanation. Now, XX/XX/XXXX my account has been closed, with XXXX late payments, and months away from the XXXX XXXX interest payment being. Most importantly, this shenanigan was intentional, by this unscrupulous company.
Product: Checking or savings account

I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.
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, 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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit card

Shell credit card informs me that I have an unpaid charge from XXXX XXXX 2015 on XXXX XXXX of 2015. Talked to a XXXX in Tennessee at XXXX Mountain time on XXXX XXXX, told me that there was no record of this charge. I thought that it was a scam and put it aside for the time being. Received XXXX bill and had a charge on it for {$30.00} ( XXXX XXXX, 2015 ). Called Shell and asked that this charge be disputed and asked that they send me proof of this charge. Shell agreed. Tried to use card on the XXXX of XXXX and was denied. Called Shell the XXXX of XXXX and was told since I did not pay my bill on the XXXX of XXXX that card could not be used. Essentially denying me use of the card because of a charge that was, what I thought, in dispute.
Product: Mortgage

In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. 

The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. 

This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. 

We have submitted another appeal and we will continue to push this with Ditech
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$880.00}
Product: Credit reporting or other personal consumer reports

I received a Notice of Adverse Action from XXXX XXXX XXXX. I have attached a photograph of this letter. They checked my credit with XXXX. As you can see from my photograph, they used only XXXX and you can see under the Reason category a comment that says " Serious delinquency. '' This is absolutely false. I have no delinquencies at all. 

I have also attached a copy of my XXXX member dashboard. I pay them money so I can access my XXXX credit data whenever I want. As you can see, it clearly states " XXXX '' in the " Delinquent '' cell. I also got a full printed copy of my XXXX  report in the mail. No account in the report contains a single negative payment annotation let alone a " serious delinquency. '' I contacted XXXX  to get this corrected multiple time. I was consistently forwarded to account representatives, some of whom I couldn't understand as an English speaker, that simply provided repetetive an unhelpful replies. They gave me no means to correct the problem. Somehow XXXX provided false information that I know was included in the evaluation of my credit. XXXX will tell you that they only provide a report to a 3rd party, and the 3rd party does what they want with it. However, the information you can see for yourself can only be provided or derived from data provided by XXXX. I want this corrected. I never want to see a " Serious delinquency '' comment on any information provided from or derived from information XXXX originates, and I want an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$490.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in north carolina has expired. 
Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.