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

My vehicle was in an accident on XX/XX/XXXX and deemed a total loss. 

The insurance XXXX, XXXX, identified a settlement amount of {$37000.00}. This number was greater than both the capitalized cost XXXX, adjusted capitalized cost {$32000.00}, and residual value, {$22000.00} as indicated on my lease agreement dated XX/XX/XXXX. 

on XX/XX/XXXX a payout from the insurance XXXX was conducted for {$29000.00} to XXXX XXXX XXXX XXXX the total payout amount quoted on the vehicle. and {$8400.00} to Credit Union Leasing of America ( CU Leasing Corp ), the title holder of the vehicle. 

Per Section 16 of the lease agreement VEHICLE ACCIDENT AND DAMAGE LOSS OR DANGER AND GAP - " If the vehicle is damaged beyond repair or is lost or stolen and recovered, the vehicle is a " Total Loss '' and the Lease terminates. I realize you have no obligation to replace the Vehicle. If the Total Loss is a result of my intentional, fraudulent or criminal acts, I will owe the early termination liability set forth in Paragraph 17. if the Total loss is not a result of my intentional fraudulent or criminal acts, I will owe the sum of the deductible under my policy, any past due amounts under the lease, including the lease payments, that accrued prior to the date of the Total Loss, and any other deduction made by the insurance company when it honors your claim based on the condition of the Vehicle prior to the total loss ... '' Despite the clear terms of the Provision 16 of the Lease agreement that indicated that the lease would be terminated and that I would owe any deductible plus any past due amounts under the lease ( all fully paid ). Credit Union Leasing of America ( CULA ) kept the extra amount of money on the lease in excess of the quoted payout amount {$8400.00}. Instead offering me a mere payout of {$2500.00}. When I reached out to CULA they were unable to articulate why they were entitled to the excess payout amount of {$8400.00}. 

This appears contrary to the contractual terms of the lease agreement and further was the exact difference in value between my previous lease and new lease for the exact same vehicle, leaving me in a worst condition than I would have been with the full insurance payout in excess of the quoted amount.
Product: Vehicle loan or lease

My wife and I have just had a Bankruptcy Chapter XXXX discharged, we attempted to get a used car loan from 2 local ( XXXX ) XXXX dealerships, 1 in XXXX, CA ( Capital One Auto Finance offered a rate of 19.99 % a {$1000.00} down on X/XX/2017. We did n't go that route. 

My second attempt was on the SAME DAY with the XXXX dealership in XXXX, CA XXXX they came back with an interest rate of 26 %, plus {$1600.00} down per XXXX XXXX at the XXXX dealership ( XXXX ) XXXX. 

This is EXTORTION at its BEST without the XXXX ... In America, what the XXXX going on in our Country. I am a Veteran who ran into a difficult period financial, work, suffering through a mild XXXX and now a Bankruptcy. This is what this Country come too!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I received a the attached letter titled " AmexltrXX/XX/21 '' from American Express, which seems to be in regard to settlement. ( Although this letter seems to elude to the alleged account being closed, due to settlement at a previous time, I have never stated that this alleged account has been previously settled at any time. ) I responded on XX/XX/21, with my settlement offer, in the attached letter titled " AmexltrXXXX ''. In my correspondence I specifically stated that my offer was not a validation request in bold letters at the bottom. But then, I received the attached letter titled " amexfalsecreditreportingXXXX '', stating that American Express reports their alleged account as '' in dispute '' with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, credit reporting agencies. There is no dispute. This information is false. American Expresses behavior is harassment which defames my character and causes XX/XX/XXXX. There should be no doubt whatsoever that reporting this information is false.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated. I did not give permission or written consent to the bureaus and they are violating 15 USC 1681b. I never enrolled or signed up for any of these and these need to be deleted in accordance to the 15 USC 1681c-1 and 15 USC 1681c-2.SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I'm writing you today to inform you I was the victim of identity theft. Please let me this letter serve as a formal dispute of the following accounts. I contact all the companies directly and was told to follow these steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to pacer, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus. 

So if that is the case how did the credit bureaus edify my bankruptcy XXXX % accurate. 

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations. 

State law may impose additional requirements. The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times. 

The credit bureaus violated my right under 15 USC 1681. According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNTS NEEDS TO BE DELETED LIKE TRANSUNION DELETEED THE FIRST XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX
Product: Debt collection

I am a victim of identity theft. Under section 605 B this account needs to be removed immediately. I have contacted the original creditor XXXX about the total amount of {$520.00}. XXXX informed me they will investigate. Instead of investigating this company sold this fraudulent account to the company CREDENCE RESOURCE MANAGE. I have been stalked and harassed by the company CREDENCE RESOURCE MANAGE and was threatened with notification to my family about the fraudulent account. Threatening me is illegal and I am protected under the Fair Debt Collection Practices Act ( FDCPA ). I have been contacted before and after business hours which is illegal. My lawyers and I are fully prepared to start a class action lawsuit against the company and wish to expose the corrupt ways this company and its representatives have been using to stalk and harass victims.
Product: Checking or savings account

XXXX XXXX XXXX kept taking money out of my Capital One Checking account after the credit card was closed and charged off. I used to pay monthly payments to XXXX by logging in the website and I was not on auto pay after my account was closed. I disputed the last charge that took money from my account and it was put back into my checking account. Then I got a letter from the XXXX  saying if I don't want them to continue taking money from my checking account to call them and let them know they don't have permission, which I did. A couple of months later I got an email from Capital One stating they are going to stick with the original charge and took the money out of my account and give it to XXXX on XX/XX/year>. I called the XXXX and they stated they no longer have access to my XXXX XXXX account, it was sold to a collection company over a month prior. I called Capital One and told them this and they stated they needed a copy of XXXX 's policies and procedures and something stating when my account was closed. I provided those documents and they still refused to get my money back.They can also get the information about when my account waa closed and charged off from a credit agency. The collection company said to tell them to call them and they will tell them the account had been closed and charged off and that they did not have permission to take money out of my account. Capital One refused to further investigate the situation. So after all that happened, Capital One sent my money to a XXXX who did not have my account anymore without my permission.
Product: Debt collection

I have had my wages garnished by a company called Wheels Financial Group. I have NO such lender on my credit ever. And if this was tied to a XXXX that I traded in they bought out that loan and it was taken care of many years ago. This is absolutely FRAUD! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The garnishment levied by this company has caused me to lose my apartment as I can no longer afford the rent. 

SHAME on the them! And at the holidays no less!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Product: Checking or savings account

Savings account XXXX was closed without notice or authorization. PNC bank engaged in unethical business practices by performing unauthorized closure of the savings account. This has led to multiple issues with auto-debit and auto-payment linked to this account. My preferred method of communication is via letter ( USPS mail ) or PNC secure message or via e-mail. Unfortunately, due to limited resources and to preserve account security, I'm unable to communicate via via telephone. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Inquiries On All Three Credit Reports 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was reviewing my credit report and came across a debt that I did not recognize from the creditor World Finance Corporation, based in XXXX, Missouri. While I did live in XXXX, Missouri, I have no association with this debt. I sent them a letter in the mail demanding verification of debt and all of the information that is required for them to provide in accordance with the FCRA. Two weeks went by and I received a letter back, of which you will find a picture in the attached files of ... stating that the address was undeliverable. Upon further research, they are no longer and entity. They would be unable to verify these claims of debt and there is simply no way for me to know where this debt came from and why it's on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on Friday and disputed several hard recent inquiries that i did not apply for anything. They gave me a co formation number of XXXX RE : Request Investigation of Credit Inquiry on My Behalf XXXX confirmation # XXXX Inquiries listed are : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX   listed twice 4 ) XXXX 5 ) XXXX 6 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX listed twice 10 ) XXXX XXXX 11 ) XXXX XXXX listed twice 12 ) XXXX XXXX XXXX Dear Sir or Maam, I  recently conducted a review of my credit report, and I noticed that should be showing on my report. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter.
Product: Debt collection

I am submitting this complaint on my own behalf regarding attempted debt collection activities from PNC Bank. Back in XXXX of 2021, I received a notice from PNC Bank stating that I allegedly owed them a debt. I have NEVER entered into any consumer credit transaction with PNC Bank. I sent PNC Bank a letter by certified mail with return receipt that they indeed received ( See attachments ) In XXXX of 2021. In this letter I asked them to provide me with debt validation pursuant to the FDCPA. In this notice I also told PNC Bank not to contact me by telephone. I gave them consent to mail me any correspondences ( see attachments ). To this date I still have not received debt validation which is a violation of the FDCPA 15 usc 1692g yet they continue to mail me statements and demand payment. PNC Bank is also in violation of 15 usc 1692d. I asked for them not to contact me by phone in my notice to them in XXXX. PNC Bank has continued to call my phone all throughout the day into the late evening. I've asked multiple reps to note the account for them not to call me but the calls have continued. One rep even told me they would call me until they received a written request, which I've done. I am a truck driver who works various shifts, their calls break my rest all the time which could be harmful to myself and others as I have to drive over the road, they call me at work and other times which are ALWAYS inconvenient for me which is why I told them NOT to contact me by phone. This is a violation of 15 usc 1692c. Because I know that I never entered into a consumer credit transaction with PNC Bank I asked them to provide me with documented evidence that showed my alleged indebtness to them, the original promissory note and a letter of sale or assignment from the " original creditor '' ( see attachments ) to PNC Bank, which again they have not provided. I am now submitting this complaint to the Arkansas Attorney General and any other regulators and legal counsel who will assist me in this matter as I have enough proof to move forward with legal suit for willful noncompliance of the FDCPA and seek damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 


FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, synchrony bank, has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. XXXX and Equifax both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} XXXX How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, XXXX, Equifax-XX/XX/XXXX. Only lived at XXXXXXXX XXXX XXXXXXXX XXXX, OK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/2016 my car was totaled out due to hail damage. I had financing on the vehicle through Capital One. I still owed several thousand on the loan. Capital One came up with a payoff quote. During the period where I was exempt from making monthly payments, I was in contact many times with Capital One trying to confirm when the full amount of the payoff needed to be made. Each time I talked to one of their reps they gave me a different answer on when it needed to be paid. This led to confusion, obviously. I did not have a clear idea of when the payment needed to be made. It was only the last time I called concerning the payment time frame that the rep I talked to absolutely assured me of the actual due date. I immediately set out to get a loan to cover the payment. My bank sent the check to Capital One. Capital One reported that the check arrived a day late so they dropped my account into a collection/charge off status. It dropped my credit score from XXXX to XXXX. Capital One received the payment and the account was closed and current. But they still proceeded to put that remark on the account. My credit report, showing the details of the payment history on the account showed that I was delinquent starting in XXXX which is false. I have a document from Capital One stating that the payment was indeed due in XXXX, as the final rep had told me, which is when I paid. 
In the weeks that followed, I was in contact with Capital One trying to figure out the issue and why the account was in a negative status. The first rep I talked to claimed that the bad remark would leave my credit report after they reported it to the credit buereas. Which was false. The next rep I talked to claimed that the bad remark was to NEVER leave my credit report. Which is also false. I have continually been misled by Capital One and it has affected my credit score and ability to consider purchasing a home, a new car and several other things. I have disputed the bad remark with several credit reporting outlets and directly with Capital One, to no avail. I think the actions of Capital One have been very unprofessional, petty, and vindictive.
Product: Checking or savings account

XX/XX/year> Deposit sent to my account after this account is frozen i call XXXX number to see they tell me accounts being closed nothing i can do. I need money to pay my bills/rent Issue is with US Bank Account nunber XXXX
Product: Mortgage

I have been dealing with only Wells Fargo and now as of XX/XX/2021, they are saying that being the servicer of the loan they can do anything, right or wrong and not be responsible. So now I am bringing XXXX  XXXX XXXX in and let them see what their Servicer have been doing.