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

I leased a vehicle with Hyundai motor finance for a period of 48 months, that lease ends in XX/XX/XXXX of this year, I made the payment to Hyundai motor finance directly from my bank account every month, I dont miss a single payment during that period. 
The point is that we were in the middle of novel Covid-19 pandemic and the XXXX XXXX  were closed, reason that not allow me to return the vehicle on time. In the night of XX/XX/XXXX they send a tow truck to pick the vehicle, I dont them money and now my credit score is ruined, because Hyundai flagged my account as a repossession with the credit bureaus, I have being hurt by that action in my credit files and in a loan that I was trying to get for my Business!
Product: Debt collection

I sent a certified letter to Spring Oaks Capital in XX/XX/XXXX to dispute this so-called debt they say I owed. I did not receive any information back from them till XX/XX/XXXX. That included a credit card billing statement and a collection account being added to my credit report damaging my credit history. This is in violation to the FDCPA and the FCRA. The information on the credit report is incorrect according to this billing statement they sent me it's stating I owe {$600.00} on my Credit Report, Spring Oaks Capital statement states {$600.00} and this credit card statement states {$360.00} all different!! ( Violation # 1 ) Original Creditor states XXXX  XXXX XXXX XXXX  this statement states XXXX. Who is the creditor? ( Violation # 2 ) Lastly, Spring Oaks Capital waited 9 months to send me a billing statement to so-call verify this debt really? ( Violation # 3 ) This is unheard of, needs to be fixed and removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

However, I ask them to forward documents that they believe authorizes XXXX to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.
Product: Debt collection

Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe a {$450.00} balance for NATLCRSYS. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the Amount claimed, including an itemized breakdown of the principal balance, interest, fees, and any other charges. 
A copy of the original contract or agreement between the original creditor and me, signed by both parties, shows I agreed to the debt. 
The date of the original debt and the date the debt was transferred to your agency. 
Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. 
The name and contact information of the original creditor, if different from the current creditor. 
Any payment history associated with the debt, including the dates and amounts of my payments. 
Verification that the debt is still within my state 's statute of limitations for collection. 
Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I ask that you stop all collection attempts and remove any negative news related to this debt from my credit reports. 
If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. 
Thank you for your attention to this matter. I look forward to receiving the requested information. 
Sincerely, XXXX XXXX
Product: Credit card

Mailings packet from American Express Gold Card does not provide any information about the rate of interest that will charged in the entire content included in the solicitation to apply for the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, PNC BANK add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

Chase VISA credit card payment was done on XX/XX/2020 for an amount of {$300.00} for a service that didn't fix the problem for which I paid for. 

I hired a refrigerator technician XXXX XXXX of XXXX XXXX to repair the XXXX refrigerator. The first visit was on XX/XX/2020 when he diagnosed the problem as being caused due to evaporator fan motor/defrost sensor. He told us that he has to order the parts and would visit us again once he got the parts. His second visit was on XX/XX/2020 where he replaced the defrost sensor but told us that the evaporator fan motor was fine. He told us to call back if the issue persisted. I made the payment through the credit card ending with XXXX on XX/XX/2020 for an amount of {$300.00}. I waited for a few days and the ice build up was again happening which made it apparent that the issue was not fixed. Ive duly contacted the merchant within 9 days of service and the merchant also agreed to come back and repair it but never responded back after that. I paid with chase credit card {$300.00} to repair the refrigerator and Ive made a good faith effort to resolve the dispute with the merchant first contacting him first. He said he will come back and repair it but stopped responding after that. We contacted him multiple times giving more than a month to respond before I started disputing the credit card charges. 

Chase, the credit card company resolved the dispute in merchant 's favor the first time. We reopened the case the second time escalating it to the executive management and someone from the executive office contacted us telling us that we are still liable for the credit card charges continuing to resolve in merchant 's favor although we clearly stated our rights that we did contact the merchant in good faith and the original issue he was called for is still not resolved. So we are escalating it further to CFPB to get a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, B.E.C.U. Credit Union appears to be conducting unfair business practices in the final payment process. I had an unpaid balance of XXXX cents and was unable to pay over the phone or in person at the bank itself and had to wait for regular mail for the final bill. Once received the bill was promptly paid however due to their inability to take a payment other than by mail has made this XXXX cent payment late and severely affected my credit score and they will not remove it. This loan was paid on time for 3 years and paid off 2 years early and I have tried to work with them to get this removed and would like your help please.
Product: Credit reporting or other personal consumer reports

The information on my credit report doesn't belong to me. I am a victim of identity theft XXXX Credit Report XXXX XXXX XXXX {$35000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX ( late payments ) XXXX Credit Report XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$35000.00} XX/XX/XXXX Transunion Credit Report XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX {$180.00} XX/XX/XXXX XXXX XXXX  XXXX {$35000.00} XX/XX/XXXX Inquiries Creditor Name Type of Business Date of inquiry XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Back to Top Public Information
Product: Credit card or prepaid card

I am an Amazon XXXX  Store Card holder which is financed through Synchrony Bank. I pay my current balance, which is always higher than the statement balance because it reflects purchases made after the statement close, in FULL every month. Today my current balance was {$390.00}. I paid it in full but thought it was a bit high so I decided to go through all my purchases since my last payment on XX/XX/XXXX which XXXX  out my account. I added up all the charges and the total came to {$310.00}, a difference of {$85.00}. I called customer service. The first agent I spoke to called herself XXXX. XXXX put me on hold for 25 minutes and then disconnected the call. I called back and got a man called XXXX. XXXX attempted say that the charges on my current bill included purchases from early XXXX. I totaled up the purchases for XXXX he was referring to, the sum of which amounted to the total payment I made in XXXX which XXXX  out my account. XXXX also hung up on me because he couldnt explain the extra amount on my bill. I called back a third time and got XXXX, who sounded suspiciously like XXXX and even had the same background noise of roosters crowing. XXXX tried to convince me that part of my current statement is attributed to purchases made in XXXX. Again, I pay the bill in full every month. The only charges on my bill made after my last full payment on XX/XX/XXXX totaled to {$310.00}. Synchrony/Amazon has charged me an additional {$85.00} which they can not account for and their customer service speaks volumes as to the level of thievery they have achieved, undoubtedly with other customers as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dismissed bankruptcy on my XXXX, Experian, XXXX reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following status is incorrect and incomplete XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/2022 XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit card

I lost my credit card. I called and reported the unauthorized transactions on my account to Wells Fargo and they credited me back. But they brought those unauthorized transactions back to my account.
Product: Debt collection

I was contacted by XXXX XXXX regarding a loan from XX/XX/XXXX i gas with ace cash express. They started i owed XXXX. I called ace cash express to verify this info and was directed to a collection agency different than the one that in initially called me. They said it was illegal for anyone to add fees to my debt. The Amount originally Owed was XXXX. XXXX XX/XX/XXXX threaten to file with the state and damage my credit file if i didnt Pay immediately. They contacted me via via phone from phone number XXXX ( XXXX ) XXXX
Product: Debt collection

On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX  threatened to report the account to my credit if I did not pay them by the XXXX  of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.
Product: Debt collection

This company has called my father in NJ, my cell phone number, and now my wife on our home phone looking to collect on some other person 's debt. I have filed XXXX, AG and FTC complaints and a previous one here telling them to stop, yet it continues. I have been told it would stop, yet it continues. When they stopped calling my cell phone, they now called the home phone. This is the end of this. This XXXX XXXX  company needs to be put out of the public 's misery NOW and for good
Product: Debt collection

I got mail from XXXX XXXX XXXX XXXX attempting to collect a debt of {$4500.00}. I have never in my life had XXXX XXXX XXXX so this is obviously a mistake or fraud.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I submitted a certified letter to the company on XX/XX/XXXX which was received on XX/XX/XXXX requesting validation of debt which they did not response tracking # XXXX it has now been over 30 days with no response However I did receive a letter that they were updating my address which has nothing to do with my request I did submit a second request on XX/XX/XXXX tracking # XXXX received XXXX for a follow up letter for refusal of validation and this needs to be deleted from all XXXX  credit bureaus
Product: Debt collection

On XX/XX/2018, I had to have emergency XXXX taken at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. The hospital agent was XXXX XXXX. 

After this, I did not receive a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from XXXX XXXX XXXX. After asking them several times to provide the original invoice for the service they are collecting, they sent a confusing ledger. ( attached ) To date I dont have the original itemized invoice. 

The bill seems to originate from XXXX XXXX XXXX XXXX at XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX LA XXXX BILLING NPI : XXXX in network. 

The collection company argues that XXXX XXXX XXXX or her administrative company XXXX XXXX, ( XXXX XXXX, XXXX XXXX XXXX ) did not have my insurance information until after the time to file the claim expired, which is impossible since I presented my information at the time of services. The hospital agent was XXXX XXXX. ( attached form ) Furthermore, their own Patient Portal has me as covered with them by XXXX XXXX from XX/XX/2018 ( attached ) XXXX XXXX received and processed three claims originating from this event. Claim XXXX, Claim XXXX and Claim XXXX. 

There is not a denied claim from the provider you represent. ( attached email from XXXX XXXX ) I have paid the patients portion of the only claims they processed. 
I believe this is an administrative failure on your part and XXXX XXXX and I should not be penalized for this failure by sending the account to the credit bureau and charging more than what my insurance would have allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX with XXXX a credit or company called checkr does a background report for XXXX. 
XXXX locked my account on XXXX due to a report with this company. 
I was sent emails from XXXX to contact this company. 
I can not call XXXX support because they locked the number on my account stating they can not resolve issue over the phone. 
I emailed Checkr and nothing. 
I currently can not work or drive with XXXX due to this situation. 
The Checkr company does not contact me and I have no way of communication with them but emails. 
I have been out of work for more than 30 days and I can not get unemployment. 
I have been hurt by this money wise and seek compensation.