23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My new car ( less than XXXX car payments were made ) was deemed un-repairable due to damages it sustained in XXXX XXXX. It is financed through Well Fargo Dealer Services. My insurance company is handling the claim and waiting on them to issue the Letter of Guarantee since XXXX/XXXX/16 so they can issue them payment. The collections guy, XXXX, was screaming at me when I tried to explain this. He said I was " changing the subject '' and that I should n't be avoiding paying my bills. I said I was n't, that it will be paid in full once they release the document to my insurance company. He then continued to yell and talk over me and scream at me that I should n't be getting a new car until this XXXX is dealt with. My insurance company has been trying to pay them since XXXX/XXXX/16, 5 days after it was totaled. But Wells Fargo is holding up the process. XXXX was so nasty saying things like, " Does n't your insurance company give you a rental? ", etc. This may be true but it is none of his concern. I had to hang up on him as he would n't let me speak and when he would he 'd scream at me and all I wanted to do was advise him that payment is pending if they release the letter of guarantee.
Product: Credit card or prepaid card

I did not receive a statement ( mail or email ) from Citibank regarding an annual fee that was due on XX/XX/2019 for my Best Buy credit card and incurred a 30 day late fee penalty for payment which lowered my credit score drastically. I paid off both the late fee and annual fee for {$120.00} and called the credit card company to dispute the charges and damages done to my credit score. They advised that for some reason, the statement was mailed off and sent back to their office. The late fee was waived, however after several weeks, my credit score is still damaged.
Product: Mortgage

We began this problem many months ago, but it became impossible in XXXX and XX/XX/2018. The company that has our mortgage is Chase Bank. We have never missed a mortgage payment in 16 years of a 20 year note to date. Chase stepped in to pay our Property taxes that they had never paid before, and they paid taxes that were not delinquent, then set up an Escrow account to collect from us. When we made payments against our mortgage and the escrow amount, they routinely misplaced our payments each month, sometimes replacing the payments in other non functioning accounts. They did not tell us of this misplacing, instead, they reported us to the credit agencies as being late in mortgage payments for 2 months, even though we had receipts showing that if the payments had been placed as the receipts show, we would have no late payments. They apologized, withdrew late payment fees, and claim they remediated our credit report. The very next week, we had new paperwork from them asserting new misclaims about missed payments. Each time I have spent hours on the phone trying to get to a helpful person at Chase, each time there was an apology, retraction, then resuming the problem. Now last week, we received 7 notices from them, each one negating the one before with new fabricated figures resulting from a single misplacement, then cascading to mortgage default. We believe that they are now XXXX bent to make us refinance our loan, as there is little interest money left in the loan at this late stage of the loan, and they have everything to gain by driving us off by pure computer harassment, which is what we have come to conclude from the massive psuedo-incompetence they portray. One of the recent notices even had another customers ' documents within our own. We have saved all this evidence. The original mistakes are easy to fix, if that is the goal, we don't believe that is their goal, rather a pernicious campaign to computer harass us into finding some kind of refinance.

We began this complaint a long time ago, but working with a perpetrator that has no intention of using " good faith '' is not a solution. That IS the problem, they are intentionally doing this because they fear no reprisal from agencies that we can make complaints with. Please renew our complaint from your office without insisting that we go back to ask them to stop harassing us. They will not stop unless facing punishment. 
Many thanks and Regards, XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank XXXX XXXX  Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error. 

First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX. 

Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a XXXX  XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers. 

XXXX XXXX- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account. 

XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with XXXX XXXX. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate. 

Any assistance will be of great help. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to dispute and remove this {$44000.00} for VW credit opened on XXXX of 2021, which is fraud and Id theft have tried to clear up with volks wagon financial but they wont give me info on fraud
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
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 It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report nor applied to them. I don't like my rights as a consumer being violated, and it's XXXX of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

My name is XXXX XXXX and I received my credit card that has been in perfect standing for 5 years was being closed today because I added an authorized user whose credit was not in good standing. By all means I do not agree with this decision of closing my card and I would like my account to continue to be open and they can not add this person to my account. This closure will impact me deeply as I am trying to refinance during the pandemic and I can not afford my credit to take such a hard hit with the closing of this card. I was told I would get a letter and can contest the decision in 30 days however I don't want to wait that long and would this to be worked on as soon as possible. The account was closed today XX/XX/2020
Product: Credit card or prepaid card

" I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, Please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my Transunion credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
Product: Vehicle loan or lease

Chase bankAd claims 48 month loan at 2.38% for checking account patronsOnly able to apply onlineOnline application either “doesn’t work” or “disappears”Going online WITH an agent does not help. ( getting an agent is a Herculean event)In any event, agents online and at the branch assure me that I will never get the 2.38% anyway, “ No one does”I have been a long time customer at chase and have always had an excellent credit score.Isn’t this cheating?
Product: Credit reporting or other personal consumer reports

I purchased a vehicle through Toyota Motor Credit and purchased the GAP Insurance provided by Toyota Motor Credit. 

This vehicle was wrecked/totaled in XXXX XXXX XXXX and my insurance company paid over {$11000.00} which left a balance due to be paid by the GAP Insurance provided by Toyota Motor Credit. This GAP insurance company took several months to pay and the charge off was processed on XX/XX/XXXX and the GAP insurance company paid the balance on XXXX XXXX XXXX Since then, I have been penalized on my credit history with a charge-off for the delay of insurance processing by the company who I purchased the GAP insurance from. I am currently working to get a mortgage and this charge off/paid status is affecting my credit report and credit score. 

This charge-off needs to be removed from my credit report as I am being punished for something I didnt control. 

I appreciate your help in getting this corrected.
Product: Credit reporting or other personal consumer reports

Equifax is reporting unknown credit accounts. 

Requested documentation over the last year with no results XXXX XXXX XXXX XXXX Florida Child Support
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both TransUnion and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their companies has on file that they used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. please resolve this matter as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

I found myself in dire need on XX/XX/22 of a loan and was very aware of the outrageous interest rate. However, I knew I could pay the {$770.00} loan back immediately, so 3 days later I called to pay the loan off. I reviewed the amortization schedule they included with the contract and I knew the interest accrued daily at a very high rate. But, when I called to make the payment on XX/XX/22 they refused to process it until Friday, XX/XX/22 when the first payment is due ; adding that I would need to pay {$890.00} on XX/XX/22, a whole {$110.00} more, even though I called 3 days in advance to pay it in full! I reviewed the amortization schedule again and on Friday when the first payment is due the amount of interest that would be accrued will be {$110.00}. There is NOTHING in the contract they provided me that states they will not process my payment same day. What they are trying to do is refuse to process my pay off the same day, in order to collect the interest accrued until Friday, which at the time was 3 days away, PLUS the full payment. I have NEVER heard of anyone refusing to process your payment the SAME day you make it!! Also, I'll add that the contract states there is no prepayment penalty. I asked to speak with a manager and was placed on hold for an extended period of time. When XXXX finally got on she was extremely rude, would not listen to my concerns and kept speaking over me. I did not give her the pleasure and I kept talking. She then had the GALL to hang up on me!! I called back several times after and no one answered the phone. Finally, around XXXX a rep answered and attempted to transfer me to a manager but no manager ever got on the line. After spending nearly my whole day trying to resolve this, the rep states someone would call me back. I received a call at XXXX but when I got to my phone they had already hung up. I called back and got a very weird voicemail and as of XX/XX/22, nobody has returned my call. Next Loan Lending is extremely predatory and they are the biggest crooks I've ever dealt with! They've been reported EVERYWHERE I could think of, so NOBODY has to go through this!
Product: Debt collection

XXXX  XXXX credit card company closed account, charged off then sold it to Portfolio Recovery XXXX, XXXX after account has been closed and discharged. I did not receive any notification about this until after I disputed the items on my credit report. It has been over 8 years and now I am receiving notices in the mail almost every day. These accounts have been discharged and closed. I have disputed these items several times and they get put back on my credit report with a different date. These accounts are over XXXX years old and I want them removed.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the investigation of an account reported by Experian on my credit report. The account in question is inaccurate and is from a third-party collection agency. Despite disputing this information with the credit reporting agency ( Experian ), the item remains on my credit profile. 

XXXX XXXX XXXX and Experian has failed to provide adequate documentation to validate the accuracy and ownership of this debt, yet Experian has stated that the information was certified as accurate by the reporting company. This raises concerns about the thoroughness of Experian 's investigation and compliance with the Fair Credit Reporting Act ( FCRA ), which requires both the XXXX XXXX XXXX and the furnisher of the information to ensure the accuracy of reported items. 

This unresolved and inaccurate reporting has caused undue harm to my credit profile and financial standing. I am requesting that the CFPB intervene and require : XXXX XXXX XXXX to provide full and verifiable documentation supporting the accuracy of the account they reported, including proof of debt ownership and validation. 
Experian to conduct a proper reinvestigation into this matter, ensuring compliance with the FCRA. 
The removal of this inaccurate item from my credit report if XXXX XXXX XXXX and Experian is unable to provide proper validation. 
I appreciate your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. Please let me know if additional information or documentation is required. 
This is regarding to account number XXXX
Product: Credit card

I booked a ride in XXXX, XXXX from the XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX through XXXX app. The driver XXXX XXXX accepted the booking and we started this trip at XXXX am on XX/XX/XXXX. In the middle of the ride, the driver started telling me that I would miss my plane if I don't cancel the booking with XXXX and I have to pay him off XXXX app if I want to get to the airport on time. I ( female ) was in a foreign country, in his car in the middle of a highway, with luggage, without phone service or wi-fi. I said : no, I can not cancel XXXX, I don't have wi-fi and I don't have cash. He asked me for my phone, connected it to his phone 's wi-fi and canceled his ride on XXXX app. He drove me to the airport and charged my credit card XXXX XXXX XXXX XXXX US {$67.00} ) when the XXXX estimate was XXXX Turkish Liras. I did not sign the receipt as the amount charged was incorrect. I filed the dispute with my credit card bank- Capital XXXX for overcharge, providing detailed information about the nature of the dispute, timeframe of the ride, screenshots from XXXX app, email communication with XXXX XXXX from the app that included XXXX 's identifications, time, route kilometrage, amount to be charged for this ride, official taxi fares in XXXX. According to Capital One, all my support is invalid but not signed receipt from the driver is valid. I asked the bank representative over the phone if the driver charged me XXXX XXXX would that receipt be valid without my signature. The representative replied : no, but they can not help in my case. When booking this ride I agreed to pay the highest estimate XXXXXXXX XXXX XXXX I did not agree to pay the amount that was charged to my credit card forcefully by deceit. Capital One does not do its due diligence to protect its customer from fraud.