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

In XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was  constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for FTA in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, XXXX XXXX XXXX never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told experian and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > XXXX XXXX XXXX  regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again
Product: Mortgage

I have made XXXX  principal payments on my current mortgage at fifth third and the full amount was not taken off the mortgage. I have tried to resolve this with the institution but they are giving me the run around. 
I have called XXXX XXXX XXXX XXXXXX/XX/2022 to make sure my extra payment of {$1800.00} was made on XXXX XXXX. It was not applied! 
No action was taken by Fifth Third
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX  XXXX-Inquiry XXXX-Inquiry I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached a list of transactions for review. I paid off my PNC Bank credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when PNC reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and PNC has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a PNC Bank manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely PNC will remove the late ding on my credit. I also attached what PNC has reported to XXXX as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that PNC acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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  Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/2018 I was notified through my credit app that there was a new collection account. I filed a dispute with all 3 credit bureaus and the information states this debt is valid increased the amount from {$2900.00} to {$3000.00}. Then on XX/XX/2018 I also sent a letter to the agency to validate this debt which I have not received a response to. I tried contacting them to verify if the letter was received but whenever I call the line disconnects. I received a electronic return receipt that this information was sent and received from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX on my credit report. Please find the attached copy of my credit report with the relevant account highlighted for reference. This account contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically : Violations of the FCRA XXXX. Inaccurate Account Status : o The account is listed as " open, '' but it has been closed and is in collections. This misrepresentation violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy in reporting.

2. Inaccurate Past Due Balance : o The account reflects a past due balance, which is incorrect for an account that has been charged off and sent to collections. This reporting is inaccurate and unfairly impacts my creditworthiness.

Actions Requested Under 15 U.S.C. 1681i, I request that all XXXX credit bureaus XXXX. Investigate the inaccuracies related to the account status and past due balance. 
XXXX. Remove the inaccurate information. 
XXXX. Provide a written response detailing the outcome of your investigation within the required 30 days. 
Supporting Documentation I have attached the following for your review : XXXX. A highlighted copy of my credit report showing the inaccuracies. 
XXXX. Relevant correspondence/documents to verify my claims, if applicable. 
Legal Obligation If the furnisher of information can not verify the accuracy of the account, the disputed information must be removed per 15 U.S.C. 1681s-2. Failure to address these inaccuracies promptly could result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
I appreciate your attention to this matter and look forward to receiving confirmation of the resolution within the statutory timeframe. 
Sincerely, XXXX XXXX
Product: Debt collection

I just started paying on some credit cards through portfolio recovery debt collection. They have been calling me for over a year I finally have enough money to make the minimal payments so I set them up as soon as my first payment went through I started getting Phantom debt collection calls. I think someone that works there is either selling information or they know who pays their " debts '' and is trying to get more money out of me. I think they should be looked into, it 's just kind of weird I have never had that happen before I have had the same number for years and as soon as I give in and start paying them I get 2 to 3 fake debt collection calls a day saying that I will be served with papers and threatening me.
Product: Credit card

I am a current capital one card member however I have also been the victim of identity theft. On XX/XX/XXXX and XX/XX/XXXX someone applied for a capital one card in my name but using a different mailing address, phone number and email address. On both of these occasions capital one approved credit cards for the fraud. I caught both of these within a XXXX days and called capital one to inform them of the fraud. The accounts were immediately closed and I was told no cards were sent out. I was also told that they would remove the hard inquiry from my credit report. To this date they have not removed it, I have called, wrote letters, and even just today spoke with customer service. They have made no effort to remove this from my credit reporting and it has adversely affected my credit score. 

I want these inquiries removed from all XXXX of the credit reporting agencies immediately.
Product: Mortgage

Case # XXXX, XXXX XXXX, Wells Fargo Loan # XXXX Foreclosure Sale Date XXXX, I am working with loan modification with the Wells Fargo Home Mortgage Foreclosure Dept. I am trying to fix House Title issue and that is taking time. 
but I can afford reasonable mortgage with me & my family income. I like to request to send complaint letter to Wells Fargo to stop Foreclosure Sale date and work with Loan Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 4. The following personal information is incorrect Account Number : EMPLOYER :XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  6. XXXX Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute many times and they never solve the issue. I call Equifax by the first week of XX/XX/XXXX and submit personal documents. They never answer. I dispute Inquirys from, XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Also Equifax had change my name for XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX.
Product: Debt collection

I was told their company is called XXXX and it stands for Enhanced Resource Center. They say they are looking for XXXX XXXX. XXXX their various phone numbers shows the calls are all coming from a debt collection agency. Every single week for months now, I get calls from their male or female employees asking for XXXX. I keep telling them I do not know this woman, I am not this woman and I have registered the phone number they are calling me on with the Do Not Call registry. I've repeatedly instructed them to stop contacting me. I told them I would begin reporting them to the FCC. Apparently, they aren't worried. Their calls are disruptive. They call me while I'm bathing my elder parent ; they call while I'm in the cemetery ; They call while I'm preparing meals throughout the day. Irregardless what phone number they call me from, all calls from them should have stopped after I informed them I am not XXXX and I want them to stop contacting me. I would like to see them fined for every single call they have placed since I registered my phone number with the DNC registry. I should not be pestered for someone else 's debt. Legislation needs to be enacted so consumers can penalize these rogue companies that flaunt consumer protection laws. Please make them stop calling me.
Product: Credit reporting

I have a legal letter from the attorney 's that this debt was satisfied in court on XX/XX/2012. I paid {$1500.00} to XXXX to satisfy this debt, and a judge declared that I do not owe anymore money to XXXX, but they reported to all three credit bureaus that I owe a balance of over {$4000.00}. I have faxed the collection agency proof from the court house that I have a {$0.00} balance, but they stopped returning my phone calls since I faxed the legal forms. My lease ended at my old house three weeks ago and now I am homeless, because no other apartment will rent to me. The inaccurate information reported by this company has caused a huge crisis for my year old son and I. XXXX XXXX will not return y calls anymore to remove this negative collection that is preventing me for providing a roof over my childs head. I have disputed this and XXXX has deleted it, but Equifax , and XXXX did not delete this item. So I have now uploaded the legal letter to XXXX and Equifax from that companies attorney 's office. The law firm that represented XXXX XXXX wrote this certified letter that I do not owe XXXX any money and that my credit report should be updated to reflect these record on paper.
Product: Checking or savings account

My 360 Savings Account was supposed to earn a high interest rate. Capital One lowered it without warning me and also offered " Performance Savings Accounts '' at a higher rate but did not pay the rate on my existing account. 

I am outraged that for a long time, Capital One has paid me a pittance for interest. This is a bait and switch tactic. 

I must have missed out on at least {$500.00} or more of interest due to this unfair treatment by Capital One. 

I heard about a class action suit on this issue in a newspaper and would like to join this lawsuit against Capital One. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ; XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022
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, AEPT OF ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My daughter, XXXX XXXX, was involved in a car accident back on XXXX XX/XX/XXXX. She was seen in the emergency room in New Mexico ( XXXX XXXX ) shortly after the accident. I was XXXX XXXX military at the time and she was under my insurance, XXXX XXXX. Since then I received letters from them to pay the debt. The bill was sent to XXXX and it was taken care of. After that, beginning in XXXX approximately Commonwealth Financial has repeatedly tried to collect the debt. I have tried to have the bill taken care of since then with XXXX, but it is still showing on my credit report. 
The bill amount is {$700.00} and was originally being billed by XXXX XXXX XXXX. It is now with Commonwealth Collection with the account # XXXX. I have submitted proof of insurance coverage for my daughter beginning XX/XX/XXXX until now. That is still apparently not enough for them.
Product: Debt collection

On XX/XX/ 2021, I received a notification that First Financial Asset had placed a derogatory account on my credit report. The reported amount was {$110.00}.

This is not my account. If this is indeed my account, First Financial Asset committed the following FDCPA violations : 1. 15 U.S.C. 1692g- Validation of Debt. I never received written or verbal communication about this debt. I was not provided with ( XXXX ) The amount of the debt. ( 2 ) The name of the creditor to whom the debt is owed. ( 3 ) Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid. ( 4 ) Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment. I never received a letter or phone call from this company and I can prove it.

2. 15 U.S.C. 1692d- A debt collector in collecting a debt may not harass, suppress, or abuse any person. The debt collector unlawfully reported the account to my credit report. This is causing me undue stress and agony. My credit score is needed to continue with my employment. 

I am willing to communicate with the debt collector. I can be reached via phone or mail. If they can provide me with proof of the debt and it is actually mine, I will immediately make the payment of {$110.00} in full. 

I fully expect First Financial Asset to IMMEDIATELY remove the negative credit reporting. They have already done significant damage to my credit report due to their illegal and fraudulent actions. Third-party consumer debt collectors are supposed to strictly adhere to the FDCPA and as outlined above, they failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated and innaccurate personal information and update with current personal information.