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

XX/XX/XXXX - I paid for a lease with XXXX, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - XXXX  months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - XXXX  months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX when turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over XXXX  months ago. So I started the process to get this corrected. 

XX/XX/XXXX - XXXX was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with XXXX to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked XXXX if they were accurate, to which XXXX confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a XXXX  time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent XXXX from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE XXXX  YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE XXXX, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$150.00} ; Medical XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX continued to renew and cause delinquency about account. The account is past the allowed time it stay on credit report. Account is not valid on reporting.
Product: Mortgage

I have submitted paperwork for a loan modification but I still have not heard anything I left a mess with Ms XXXX XXXX XXXX I still have not heard back from her I did talk to someone Named XXXX and he is on e of the agents at Rushmore but he gave confusing information, to say that I should XXXX short term refi and that I would not get a market rate ..All I am trying to do is save my house with a fixed rate so right now I feel that I am stuck ..SO I NEED ALL THE HELP I CAN Get to save my house
Product: Student loan

I have enrolled in the SAVE plan so monthly payments would be applied to the principal and not to the interest. I have been enrolled into SAVE since XX/XX/XXXX. My monthly loan payments have only been applied to the loan interest. Nothing is applied to the principal until the interest is paid off. I continue to accrue interest onto the principal. Mohela can not provide a sufficient response on when they will fill their obligation to this part of the SAVE plan. They do not provide a time line when this will occur. 
I need to know when this will occur and if these payments will ever be retroactively applied to the principal.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but XXXX  did not provide updated information to three credit bureaus.
Product: Credit card or prepaid card

I have a Menards Store Card through Capital One. I have made 4 purchases this year and chose promotional repayment options. My promotional balances/terms are as follows : 1. ) 6 mos same as cash : Purchase made on XX/XX/XXXX with an expiration date of XX/XX/XXXX. Initial charge was {$820.00} and as of today, the remaining balance is {$400.00} with {$59.00} of deferred interest that will be charged on XX/XX/XXXX if the balance is not paid. 

2. ) 0.00 % Financing for 1 year. Purchase made on XX/XX/XXXX with an expiration date of XX/XX/XXXX. Initial charge was {$1000.00} and has a remaining balance of {$860.00}. There is no deferred interest on this balance. 

3. ) 3.99 % Financing for 4 years. Purchase made on XX/XX/XXXX with an expiration date of XX/XX/XXXX. Initial charge was {$1800.00} and has a remaining balance of {$1500.00} and has no deferred interest due to being charged interest. 

4. ) 6 mos. same as cash : Purchase made on XX/XX/XXXX with an expiration of XX/XX/XXXX. Initial charge was {$370.00} with a current balance of {$370.00}. There is currently {$.00} of deferred interest. 

I contacted Capital One on XX/XX/XXXX and spoke to a customer service agent first, and then requested to speak with a supervisor. Both told me that my payments were being applied to the balance accruing interest first and then any overage applies to the other promotional balances. Based on the Credit CARD Act of XXXX, 15 U.S. Code 1666c, it indicates my payment, up to the minimum payment, must be applied to the special financing of 6 mos. same as cash balances and anything over the minimum, would then be applied to the balance accruing ongoing interest, but that is not what is occurring and they are unwilling to apply it as such and said that is not how the Federal Law reads.

The 1st 6 mos. same as cash promotional balance should already be paid off. I have made biweekly payments since XX/XX/XXXX and sometimes more. I have made the following payments : XX/XX/XXXX {$220.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$63.00} XX/XX/XXXX {$65.00} For total payments of {$1300.00} Per the statements, the minimum payments since XXXX were the following : XXXX minimum payment was {$29.00} XXXX  minimum payment was {$57.00} XXXX minimum payment was {$29.00} XXXX minimum payment was {$140.00} XXXX minimum payment was {$130.00} XXXX minimum payment was {$150.00} Total minimum payment amounts are {$540.00}, which should make the balance of my first 6 mos. same as cash {$270.00}. I made a {$220.00} payment on XX/XX/XXXX and another one was sent today, XX/XX/XXXX for {$200.00}, in order to pay off the 6 mos. same as cash prior to the expiration date so the interest would not be added to my card. 

I'm requesting help in addressing and fixing this issue so that I do not have deferred interest charges applied to my balance because of their negligence.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX, Experian, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, Experian currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/year>, XXXX is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/year> and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than 2 payments past due while showing 0 late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.
Product: Credit card or prepaid card

Upon checking my consumer report. I see that your company is reporting that i have a account open with your company. I never applied for a credit card with your company. I never gave your company or any other person to use my name or likeness for such account. Any account open with your company is fraud and due to my information being stolen and used is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XXXX as there were inquiries or my report that I did not authorize when I was buying a car. Earlier in XX/XX/2018 I called with a few from a previous purchase and they were removed with no issues. In XX/XX/2018 when I was purchasing a car I told the dealership not to run my credit in any other bank other than the one my husband was already approved for and that I would only be a co-signer for to get him a better rate. They didnt listen and that why I ended up contacting XXXX. I was criticized by their employees when I called on XX/XX/XXXX that it doesnt affect my credit score. I explained to them that Im not worried about it affecting my credit score and that I didnt want it in my report as I never asked for credit from those places and that it remained on my report for 2 years. I asked them why these items were not removed when I filed the disputed in XXXX but was told that I had to write letters to those companies that I never had dealings with and provide personal information such as name adresss date of birth and social security number and hope that I dont become a victim of identity fraud. They had 30 days from the day I filed in XXXX to verify or delete these inquiries. They didnt do neither and they are still on my report. XX/XX/XXXX inquiries on my report are still not supposed to be on there. I want this resolved ASAP.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit eport. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card

Booked a stay at XXXX XXXX through XXXX. The dates were XXXX XXXX XXXX, XXXX. Arrival at the hotel was a disappointment. It was not what was advertised. The hotels parking lot was in poor condition, a sign on the dirty entry door stating the hotel was in violation of unpaid property taxes and the lobby was unclean. We told the desk clerk we didn't feel secure staying and we're canceling our reservations. We were told it was a third party booking and to call XXXX. 
We called XXXX and Capital One my credit card company immediately and explained the situation. I was issued a refund for {$190.00} and {$190.00} for the XXXX nights. Then on XXXX XXXX my credit card was charged {$190.00}. 
I spent the last XXXX weeks trying to resolve this. XXXX says it's the hotels and the hotel says it's XXXX and my credit card says they will not remove the charge. I drove XXXX hours to the hotel on XX/XX/XXXX to talk with the manager in person. The manager XXXX XXXX had refused to call me back all this past week. She told me she was too busy and that it was XXXX XXXX responsibility. I asked her was the hotel paid by XXXX a d she refused to answer me. I asked her 4 times. I called Capital One several times and submitted dispute claims and told them I wanted to file fraud claim..they said this not fraud. I am XXXX and a widow on a fixed income and this is a huge financial issue for me. Thank you for any assistance you can provide. 
XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ive never received my loan paperwork from Flagship Credit Acceptance. The loan company has recently updated the website and changed the account numbers. As Ive been making payment the payoff amount and payment vary. For months I was never able to access statements of any kind. Recent that feature has been given to me and my statements show random fees that have no explanation. I took a screenshot of my pay off amount in XXXX. I paid on my due date. The payoff amount was {$19000.00}. I took a screenshot of my payoff amount today XX/XX/XXXX ( my payment date ) the payoff amount is $ {$20000.00}. I dont know what my interest rate is because I have never received my loan paperwork. The dealership told me that the loan company would send me the signed paperwork in a couple of days. They never did. I was told my payment amount and the dealership told me verbally that my interest rate was 13 %. My original loan amount was around {$23000.00} in XXXX. Despite making XXXX payments my pay off amount has never dipped below {$18000.00}. Ive used online calculators to try to figure out when I would have my loan payed off. I was never told by the dealership how long the loan was for but I saw on a credit report that it was a 7 year loan. When I ran the calculation to estimate what my loan payment would be for a {$23000.00} ( this amount includes taxes, title and tag fees ) I get a number around {$400.00} not the {$610.00} Ive been paying monthly. As of now I have no way to verify what the original loan amount was nor my interest rate since I dont have any of the paperwork and its not available in my online account. In all of my previous auto loans Ive always been able to access this type of information and Ive always received my paperwork. Ive had an issue with Flagship before about incorrect charges. I had to call them and let them know that my monthly payment was {$610.00} not the inflated amount that they showed on my dashboard and they corrected it in their system. I didnt have the same issue again until recently. Now they sometime show my payment due as lower than {$610.00} but I always pay {$610.00} because I dont trust them and the only thing I have from them is an email that says my monthly payment is {$610.00}. Furthermore, I dont believe they have an accurate list of my payments or the amounts that I have actually given them. Im in the process of collecting all of the screenshots and XXXX I take when I make a payment but I know for a fact that I have already paid them more than the original purchase prices of my car. I called them today to ask about how to do a voluntary surrender of my car and that said that it was an application process that is approved on a case by case basis. The person on the phone said it is approved if the person who is reviewing the application wants it to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts.

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and ChexSystems denied to freeze my report
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Mortgage

I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with Capital One, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment.

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation

of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. I demand that the late payment reported in the specified months be removed. The company is not in compliance with 15 USC 1666

b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law. According to 15 USC 1666b ( a ), a creditor c
an not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section

1637 ( b ), is sent to the consumer at least 21 days before the due date. The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this
proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.