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

On XX/XX/year> this truck was only XXXX at first site I paid over XXXX down payment which is against consumer transaction law code truth in lending act they went against 15 c Us 1662B there isnt or wasnt supposed to be no down payment no cash involved in a consumer transaction. THEY ALSO REPO THE CAR AFTER I GOT IN A BAC ACCIDENT THEY TOOK THE CAR WITH ALL MY PERSONAL ITEMS IN IT AN NEVER REACHED OUT TO RETURN IT PLUS THEY SOLD THE DEBT TO A LAWYER THAT CALLLED ME ASKING FOR A LOWER PRICE AND THEY WILL REMOVE THE FULL BALANCE THIS IS ALL FRAUD XXXX THEY PASSING MY INFORMATION AROUND WITH OUT MY PERMISSION
Product: Credit card

I made a purchase of {$520.00} at XXXX XXXX XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX on XXXX. The invoice # is XXXX which was for the purchase of a remanufactured starter that was installed in a XXXX XXXX XXXX. When I logged online on XXXX to make my payment that was due on XX/XX/XXXX I noticed that my available balance was much lower than it should have been. I then saw that my XXXX  credit card had been charged twice for the {$520.00} purchase that I made on XXXX. On XXXX I contacted XXXX ( XXXX ) XXXX XXXX pm  and informed them that I had been charged twice for the same service. I was informed to contact the store, which I did on the same date and spoke with XXXX XXXX the store manager who checked his records and stated that he did not see where I had been charged twice. I then contacted XXXX again and told them that I was disputing the double charge. They opened a case. I received a letter from XXXX on XXXX which was dated XXXX informing me that I was responsible for the disputed charges and that I had to provide supporting document by XXXX which was well after the date I received the letter. I called XXXX on XXXX and was told that this case was final. There was a letter dated XXXX from XXXX XXXX of XXXX XXXX XXXX XXXX XXXX stating that they weren't accepting a chargeback because they didn't have a duplicate charge for my service. It was stated that I authorized the services and authorized the charge of {$520.00} for Invoice # XXXX. I have never disputed that I did not make a {$520.00} charge. I stated and still stand by the fact that I was charge TWICE for one starter. My XXXX  credit card statement with a XXXX closing date and XXXX shows exactly what I have stated. There are TWO charges of {$520.00} on the same date of XXXX. I did not receive two starters, only one. Someone has made an error either at the store level or the credit card level and does not want to own up to it. I am not willing to pay nor am I going to pay for something that I did not get. A vehicle only as one starter and that is all I received. I need to have this {$520.00} charge removed. They have made an error. There is only one invoice that I signed for.
Product: Debt collection

On XX/XX/2022 @ XXXX XXXX I received a voicemail from a gentleman by the name of XXXX. He said he was Housing and Urban Development and the reason for his call was a sensative issue they had in regards to my home ( leaves my address ) and says before they proceed with legal action and start the foreclosure process on my home, I need to contact him as it would be in my best interest and leaves his number. 
Then on XX/XX/2022 at XXXX I received a call from XXXX again. This time he said he was with XXXXXXXX XXXX XXXX department and repeats the previous message about legal action against my home and how it would be in my best interest to call him. 
Around XXXX on XX/XX/XXXX, XXXX I returned the call I had received from XXXX and spoke to a man by the name of XXXX. When I asked who he was with, he told me California XXXXXXXX XXXX XXXX. He then asked for my account number and I told him I did not have it and I did not have a loan through them either. I proceeded to tell him that it was illegal to place phone calls and leave threatening voicemails as well. He then informed me that I had the wrong number that the XXXX does not work there.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit reporting

I'v had some identify theft several years ago with the address of XXXX XXXX XXXX XXXX in XXXX, XXXX. I 've also had the wrong address of XXXX XXXX in XXXX, XXXX. I 've never lived at any of these addresses and I 've reported it on more then one ocassion. Also there are several phone numbers on my credit report that are n't mine. My phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to make the changes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have too many inquiries the same day XX/XX/XXXX XXXX XX/XX/XXXX Americicred XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In year XXXX, I was the co signer for a loan for my ex son in law, Mr. XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX XXXX. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually Mr. XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.
Product: Debt collection

XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report.
Product: Debt collection

I have had an issue with American Express regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from XXXX. I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with XXXX and still no letter. I am not clear who is responsible for this case anymore.
Product: Credit reporting or other personal consumer reports

I have formally filed a dispute with XXXX and with NetCredit. I have sent NetCredit screenshots of the disputed balance and asked for a manager respond letting me know what day and time we could speak by phone to review the account with me by phone. The company had someone call when I was not prepared and they did not call back. I simply asked them to call back when I was not driving and in front of my paperwork. I continue to receive blanket statements that are erroneous about an extra payment that I did not have to make, which they split to pay themselves interest and some toward principal. I revoked the payment learning that they would not apply the entire amount to principal, and when I did they added the amount in total back into principal balance. This increases my principal balance owed to be more than it was before I made the additional payment when it should have returned to the original principal amount before the regular and additional payments were made on XX/XX/XXXXXXXX XXXX 

Until this company resolves this matter, my account is under DISPUTE AND SHOULD NOT BE BEING REPORTED TO XXXX, XXXX OR XXXX AT ALL. Additionally, I am only past due, one payment and they are showing I'm past due two payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian, XXXX, XXXX, XXXX and XXXX and XXXX given them written instruction that I am Opt-Out as a consumer. they all still reported late information on my consumer report nor did I give my consent to do so Fact : 15 USC 1692j ( a ) ( b ) furnish and using deceptive forms. Refusing me of my right as an consumer I request verification with copy of paper work not a response. These consumer report agent were inform of there action, but still insist on violates and failure to comply with my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Fifth Third Bank services two mortgage loans on which I am the borrower. I make payments on these loans on the XXXX of each month, before a late payment fee is assessed. I have never been informed that there is a time by which payment must be made on the XXXX ; I have always understood that the late fee would be avoided if payment was made by the end of the day on the XXXX. 

In XXXX I made the payments on my mortgage loans at XXXX and XX/XX/XXXX XXXX Eastern Daylight Time. I later received correspondence assessing late fees of {$96.00} and {$53.00} on the loans. 

On XX/XX/XXXX I called Fifth Third and spoke with " XXXX ''. I explained the situation and asked that the late charges be waived. He said one late charge per year could be waived on each loan. 

Then XXXX informed me that he would not waive the XXXX late charges because there had been waivers of late fees on the XXXX payments. Fifth Third had never informed me that it had assessed or waived late fees for my XXXX payments ( which had been made at XXXX and XXXXXXXX XXXX EDT on XX/XX/XXXX ). I explained that, based on my records, late fees should not have been assessed in either XXXX or XXXX. 

After quibbling with me about actually submitting a request for waiver of the late charges and purportedly speaking with a higher authority, XXXX then " allowed '' me to make a request for late charge waivers. He said a response would be provided in ten days. I then asked to speak with XXXX 's " higher authority ''. After being on hold for 15 minutes, I concluded XXXX and his staff had " ghosted '' my call ( i.e., just put my call on hold and forgotten about me ). 

I have never gotten a response to my request. More importantly, my late fee charges have not been reversed. 

My complaints are that : 1 ) improper and undisclosed late fees were assessed against my account in XXXX, XXXX ) improper late fees were assessed against my accounts in XXXX, 3 ) my request for reversal of the late fees has apparently not been received or properly processed, 4 ) I was " ghosted '' during my inquiry call, 5 ) the late fees assessed against my accounts in XXXX have not been reversed, and 6 ) I have not gotten a response to my late fee waiver request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX  2 ) XXXX  3 ) Equifax All three of the above named entities have incorrect information on my credit report, either matters wrongly attributed to me or records which are validly mine but contain false information and no matter how many complaints I file ( with either the Credit Bureau or the Creditor ) it never goes off my report. I need this addressed and the situation redressed and rectified immediately, as it is impacting my quality of life severely and violating my constitutional rights. 

Please call me at XXXX XXXX XXXX to discuss remedies and mitigation. 

Kind regards, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. California XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX XX/XX/year> Re Acct # XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

10 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Mortgage

During closing we were told verbally PMI could be removed after 3 payments due to equity in the home. XXXX XXXX XXXX XXXX XXXX Made three payment, called and told need to make 24 payments. Made 24 payments. Now told after 24 payment 20 % of the note needs to be paid off ( XXXX ), wait until 20 % is paid off or reevaluated under the Homeowners Protection Act which I asked for. If an AVM is not available, I would have to pay for an appraisal. I have gotten a second appraisal in XXXX to back up the homes value in case the AVM came in low. I was told results would take 30 days. Now a 33 days later after 21 months of waiting the initial 3 months we were told originally i am done.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report. Once I got it there were inaccurate information on it. There were Equifax accounts were not listed but they were listed on XXXX XXXX and or XXXX please review this inaccuracy and delete the inaccurate accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Complaint Against TransUnion Regarding Disputed Account Dear CFPB, I am writing to formally file a complaint against TransUnion due to ongoing issues with the negative verbiage associated with my XXXX XXXX XXXX account. Recently, I was denied a bank loan because of this negative information, I feel that transunion is bearing on my credit worthiness, mode of living, character, reputation. 

I have disputed this account a total of seven times, with the most recent dispute filed today, XX/XX/2024. The dispute file number is XXXX. Despite my repeated efforts to resolve this matter, TransUnion has consistently ignored my requests and failed to provide a satisfactory resolution. 

I am frustrated by the lack of response and the continued impact this negative information is having on my creditworthiness. I would appreciate your assistance in addressing this issue and ensuring that TransUnion takes the necessary steps to rectify the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this complaint. 

Sincerely,
Product: Credit card

I have a been notified that I have a very large credit of over {$48000.00} on the Way2Go Card. My ex-husband started paying his back support and the local child support office opened an account on my behalf with this company. I have been trying for several weeks to get the balance of the card transferred to my bank account. I have sent all information they requested to verify my identity numerous times. I have called and spoken to numerous supervisors with no solution. Every day they tell me they don't have an answer and to send the information again. I have done this multiple times, and I'm very concerned with my identity being compromised. I can not find any information about this company on the internet. I have sent all my personal information that includes personal and banking information. I need help!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Getting repeated harrassing phone calls stating there are two allogations against my social security number for unpaid debt and that they are sending a process server to my home, which never actually happens of course, but the calls are getting annoying.
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. EXETER FINANCE CORP Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the USBK COURT XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..
Product: Bank account or service

I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Bank of America did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!