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

I am XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX purchased a semi-truck through XXXX around XXXX XXXX XXXX, for {$61000.00} + {$3900.00} less {$10000.00} ( down payment ) = {$55000.00}. XXXX XXXX is one of the lenders XXXX uses. Insurance was purchased for the vehicle as soon as possible and the proof was provided by our insurance advisors in XXXX to XXXX XXXX ( XXXX ) ( Contract # XXXX ). However, we were advised that the certificate of insurance was never received. 

Issue XXXX ) XXXX XXXX charges : The account was charged insurance from XXXX through XXXX even though we were advised by our insurance advisors that proof of insurance was provided to XXXX in XXXX. We received no further communication from XXXX regarding the ongoing insurance charges other than XXXX passing it off as someone else in the company is responsible and the account will eventually be updated. 

Issue XXXX XXXX XXXX XXXX XXXX and adjustment reflection : As of XX/XX/XXXX, XXXX with XXXX ( Insurance Tracking ) advised me that they were no longer tracking XXXX XXXX, XXXX insurance as of XX/XX/XXXX and it usually takes XXXX billing cycles for the account to be adjusted with possible credits to the account. XXXX was the XXXX billing cycle and here we are again with XXXX pointing the finger at XXXX and vice versa and we can not get a clear answer on the credit amount. I also spoke with XXXX ( XXXX XXXX ) and he pushed it off on XXXX as well. The reason why the insurance credit is vital to XXXX XXXX, XXXX is that the company has been struggling financially and the credit will assist XXXX XXXX in bringing the account current with {$1000.00} balance owed for XX/XX/XXXX and more that can be returned to XXXX XXXX or used toward the balance. 


Issue XXXX ) : The account balance is more than the purchase price of the vehicle. Speaking with XXXX and XXXX on a three-way call on XX/XX/XXXX, I asked more questions for me to estimate the insurance credit because XXXX said XXXX could not see in her system how much the company paid in insurance from XXXX even though she could tell us the balance to date, which is {$76000.00}. However, again the purchase price of the vehicle was only $ XXXX. So, I asked more questions. XXXX stated that XXXX XXXX 's beginning balance was {$95000.00}. How is this possible? That had never been explained to us. Also, it is not detailed on their payment system either. Their payment portal only reflects the amount owed. Now, I can see a contract detail section stating the current balance, but that is it. 

Issue XXXX ) : Unable to obtain a complete account history from XXXX. I am currently working with XXXX who is the collections specialist handling our account until the end of XXXX. She is to call me on Friday ( XX/XX/XXXX ) to collect the remaining XXXX balance, but she says that she must ask her supervisor for a complete account history. She advised me that certain requests are sent to different departments, and she is unable to provide that information and she can not give me a turnaround timeframe as to when I will receive the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day!! 
EXPERIAN It's obligated by the FCRA to report accurate accounting, consumer has advised ALL inquiries reported was fraud. said company had 4 days to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN To provide the documentation used to determine inquiry was indeed authorized by consumer EXPERIAN has 10 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an- e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN and securitizing commerce data yet refuse provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a settlement offer from Portfolio Recovery stating they will settle my account after I make a payment of {$130.00}, which will then reflect as a " Settled in Full, '' however, it is reporting a balance of {$320.00} and showing as an open collection on all 3 credit bureaus. I did contact them today X/XX/18 regarding this and the representative said it could take 10-21 days to reflect the payment but that the balance will still show and it will remain as an open collection on all 3 reports. This collection needs to reflect closed and paid in full.
Product: Vehicle loan or lease

Beginning in XX/XX/2018, after XXXX yrs paying my auto loan as agreed, the lender-PNC Bank began a pattern of not applying payments at all or excessively late. Note, prior payments were made as agreed. Further, PNC Bank then started harassing collection calls and letters. In response, I repeatedly called PNC Bank to reconcile my account and determine where payments were being applied. Each call was an repeated effort of revisiting every detail previously discussed without PNC accepting any ownership for remedy, other than, " will you send another payment. '' On or about XX/XX/18, as requested by PNC Bank I met with a bank branch representative. The Branch representative spent time calling customer service representatives to trace payments with the documentation I provided. Net result was only providing copies for their internal investigations, again without accepting any ownership for a remedy. This back and forth dialog became so difficult to manage that on XX/XX/2018, my other Banking institution ( XXXX XXXX ) who issues my " paper checks, '' issued a stop payment on XX/XX/2018 pay't, at their own expense and in good faith, because of the excessive delays. In addition, a payment was a assessed a {$40.00} late fee, which despite statements claiming to reverse the fee, appears on my account. 

By way of explanation, at various levels PNC Customer Service stated that a " processing system '' change which started in '18, might explain the issue. Another representative suggested an extra digit on the front end of our account might explain the problem. Still no one has suggested a fix other than to use " paper coupons '' that were NOT needed pre-2018. 

Making matter worse, PNC Bank has sent derogatory notices to the major credit reporting agencies suggesting serious delinquency.
Product: Credit card

My application was denied based on information from my credit file, specifically referencing accounts where I am listed as an authorized user. Application # XXXX. As you may know, authorized user accounts are not reflective of my personal financial responsibility since I am not the primary account holder and am not liable for those accounts.

I have attempted to address this matter by requesting to speak with an underwriter for clarification and a potential manual review of my application. Unfortunately, my request to escalate the matter was denied. I believe this decision does not accurately reflect my creditworthiness and is based on factors that should not be considered in evaluating my application. I also emailed corporate and was flat out ignored.

I kindly request that someone from the executive offices contact me directly to discuss this matter further. Additionally, I am requesting a manual review of my application by an underwriter to ensure a fair assessment of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed our client, XXXX XXXX on two levels, as a victim of identity theft. 

Since XX/XX/2022 we have submitted FIVE requests for them to add the Extended 7-year fraud alert and yet, they still only have a one year alert on her credit files. XXXX and XXXX added the alert in early XXXX. 

Also, we have submitted THREE disputes against a fraudulent inquiry ( XXXX XXXX XXXX ), and yet they continue to report this inquiry. Please note : XXXX has seen over and over again that Equifax is failing to remove any disputed inquiries by XXXX regardless of how many disputes are sent against them.
Product: Money transfers

On XXXX XXXX, 2016 I contracted with Walmart stores of XXXX XXXX. Florida to transfer {$270.00} to my son XXXX XXXX. I paid turned over to Walmart {$280.00} which include the transfer funds and a transfer fee ( consideration ). Upon presenting the assigned tracking number and a Florida State drivers license, my son was denied the distributions of the promnised funds for no apparent reason except Walmart 's exercise of it 's assumed right to decide which contracts to honor and which ones to ignore possibly at the detrament of the designated receiver of the funds. The funds and contract fee were returned to me by Walmart the following day ( see attached ).
Product: Debt collection

Wakefield and Associates is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a serious issue concerning my credit report. It has come to my attention that inaccurate information has been added to my credit report, even though it had previously been deleted in compliance with credit law. I believe this act to be illegal and in direct violation of consumer protection regulations. 

I have been diligent in monitoring my credit report and maintaining a good credit history. Recently, I discovered that [ describe the specific inaccurate information that was added, such as a previously deleted account or false late payment ]. This inaccurate information is damaging my creditworthiness and negatively affecting my ability to access credit, obtain favorable interest rates, and even secure certain employment opportunities. 

I would like to bring to your attention the relevant credit law provisions that support my request for the immediate removal of this inaccurate information from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate and fair credit reporting practices. It also states that consumers have the right to dispute inaccurate information and have it investigated and corrected or removed within a reasonable time frame. 

Based on the FCRA and other applicable credit laws, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure the removal of the inaccurate information from my credit report. I have attached copies of the relevant supporting documents, including any correspondence regarding the previous deletion of this information. 

I understand the important role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and enforcing fair credit reporting practices. I trust that your expertise and dedication to consumer protection will ensure a swift resolution to this matter. I kindly request that you notify me of the steps being taken and keep me informed of the progress. 

Thank you for your attention to this urgent matter. I eagerly anticipate a prompt and satisfactory resolution to this issue. Please feel free to contact me if you require any further information or clarification. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XX/XX/XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$22000.00} XX/XX/XXXX XXXX U.S.C, 1681section 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2022, XXXX XXXX XXXX  falsely reported a collection/chargeoff on my credit. This account was fraudulently obtained. XXXX XXXX XXXX is aware and a police report was created because my identity was stolen. The account since has not been removed.
Product: Debt collection

This debt was released because of military service and me going to XXXX and not being able to take the phone so per military clause they closed it. It was already removed from credit bureaus and I was just able to open a new account with XXXX which would never happen if I had a current debt with them. Now it creeped back up and is showing on my report. I'd like it removed immediately.
Product: Credit card or prepaid card

I received a XXXX alert on XX/XX/XXXX, that an unknown person applied for an American Express Credit card using my personal information without my permission or authority to do so. I contacted American Express and advised them that I did not apply for a credit card and they advised that they would indicate that the credit application was fraud. I was assigned reference # XXXX. The phone number called to dispute the issue was XXXX and I spoke to the company representative XXXX. 

I received a follow up call from American Express on XX/XX/XXXX, that my original request made on XX/XX/XXXX, was not processed. I made an additional request that the case be marked as fraud and that this information be noted to the file. XXXX, the person I spoke with, advised that the file will now show as declined and indicated as fraud. 

I have contacted XXXX and placed a freeze on my account for any future transaction relating to my personal information.
Product: Credit card

I purchased a pair of XXXXXXXX XXXX from XXXX in XX/XX/year>, ordering a size XXXX, but XXXX mistakenly sent a size XXXX XXXX. When I requested a refund, XXXX refused, stating the item was a final sale. 

Consequently, I filed a dispute with my Apple Card, but it has been repeatedly denied. After explaining the situation to an Apple Card agent, I was advised to refile the dispute as it seemed justified, yet it continues to be denied. 

Additionally, the credit card company argued that I still possess the item ; however, this is solely because XXXX denied the return. I could immediately return the sneakers to the store if XXXX requested. 

Therefore, it is unreasonable for the credit card company to side with the seller for this reason. Moreover, the credit card company mentioned that I violated XXXX ' XXXX return policy. 

However, XXXX initially rejected the return because the XXXX XXXX  were considered a final sale, despite sending the wrong size. It is frustrating that the dispute is still being denied based on incorrect information.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized KIA MOTORS FINANCE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

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. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App block Inc due to to in adequate customer service and unfair practices, which following the consumer financial protection act CFPA specifically Cash App failed to take time the effect of measures to prevent an address fraud on their platform, leaving my account, vulnerable, and and unprotected. Furthermore, they dispute. Resolution process was unfair and deceptive as they did not comply with the error solutions requirements under The electronic fund transfer act EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Credit card

On XX/XX/year> disputes were initiated for XXXX charges. On XX/XX/year> I requested that these XXXX disputes be closed and the money returned to the merchant. The merchant reports the funds have not yet been returned to his account and threatens legal action unless I send him a check for those amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX is practicing in a fraudulent scheme with Navy Federal and are sending threatening emails to take me to court if I dont pay for debts that was written off and paid for by the NCUA. The debt was insured and paid back to Navy Federal and was deleted from my credit report. Then resurgent XXXX bought the already deleted account and reported it back to my credit report as a collection. This is illegal when the NCUA paid the debt back and the debt was deleted from my credit report. If XXXX wants a legal battle with me please be my guest. If this is not deleted I will sue them for {>= $1,000,000}