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

I leased a car from XXXX XXXX and in XX/XX/XXXX, I traded the lease to purchase a pre-owned vehicle. Knowing that I owed extra money for a few remaining payments, extra mileage and a few minor exterior issues, I pre-paid the extra fees at the dealership upon the purchase of my vehicle in XX/XX/XXXX. The dealership assisted me in figuring out the charges and I paid a certain amount down and the rest was rolled into my finance agreement. It was almost {$2000.00} extra that I paid back in XX/XX/XXXX to take care of any outstanding charges from the lease that was turned in and it was my understanding that when I left the dealership that day, that everything was taken care of since I pre-paid all fees to XXXX  XXXX. I received zero correspondence until XX/XX/XXXX/XX/XX/XXXX, over a full year later until I was in the hospital fighting for my life with XXXX XXXX XXXX XXXX XXXX XXXX. I received a phone call from XXXX XXXX at this time, while I was still admitted to the hospital, that I owed them almost {$800.00}. I explained to them that they should have taken that up with the dealership who had received the money over a year ago and I had no idea there were any issues/outstanding payments. I explained to them my health condition but that I would try to get to the bottom of it as soon as I could. Not even a few days go by and I'm still in the hospital and receive a call from XXXX XXXX  stating that the matter was now in collections. I explained the whole situation to them and that the dealership had the money since XX/XX/XXXX when I paid it then. I also explained that I was in the hospital but would try to figure out what was going on. They said no problem and were going to give me 2 weeks to figure it out. Unfortunately a couple of days later, XXXX XXXX put a charge-off on my credit without checking with the dealership or giving me time to figure it out. If you look at my entire credit report, I am never late and pay all of my bills on time. Even this very account, which is listed as World Omni on my report, was always paid on time, never late. Then, mysteriously in XX/XX/XXXX, there is no data for the entire year on this account on my credit report, then a charge-off goes on there XX/XX/XXXX. None of this makes sense and I've tried to communicate with XXXX XXXX who admits to getting returned mail and having completely incorrect contact information for me, but will not agree to take this off my credit and make things right. Due to massive medical bills and student loans, I can not afford a lawyer regarding this right now. I don't know what else to do, I have exhausted all my efforts and have worked very hard for 18 years to keep my good credit. I feel very defeated and frustrated because there is nothing I can seem to do to get this corrected. Please help!
Product: Credit card

Hello, I want to file a complaint, citi bank requested form called ssa-89 from me I sent the form on time, but they still closed my XXXX XXXX credit card. Please investigate it and reopen my XXXX XXXX  credit card.
Product: Credit reporting or other personal consumer reports

TransUnion placed a fraud alert on my credit profile without my permission, and I did not request the alert be placed on my account. 

I did request that unauthorized inquiries be removed, and they did not remove said unauthorized inquiries. Rather, they placed an unauthorized fraud alert on my account.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 


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.

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! 


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

The letter was mailed out on XXXX XXXX. The Experian bureaus have continuously sent scare, stall tactic to clients.
Product: Vehicle loan or lease

Westlake has not updated a paid load from XXXX XXXX  XXXX insurance comp. 
the car was totaled and paid off by insurance company by Westlake has yet to show paid and i continue to get calls, when i call to speak to westlake i get out of the country customer service and they do not understand XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX  ; XXXX and Transunion that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Mortgage

I have been under the direction and guide of my loan team at Wells Fargo for XXXXur months and they have now made crucial mistakes & have set my house up to be foreclosed on & actually Im unsure of the rest. 
I have been making formal complaints to Wells Fargo and this agency the entire time, and at this point, I have been accusing my loan team of conducting business inappropriately. I am in the closing of my loan and received closing disclosure and esigned it and funds are supposed to be disbursed on XX/XX/XXXX, and in this loan the missed payments are included and the homeowners association fees etc. 
Wells Fargo has had my homeowners association information for six months, during which time a lien has been placed, and it is to be paid for in my loan. I have been asking specifically about this issue to my loan team, and they have never responded and actually acted as if I have never asked the question! 
My loan officer tells me he made a crucial mistake in knowing if my house was on a COVID-19 forbearance or not, the next day I find out that he did not make a mistake, as theres no way I couldve been in a forbearance to have even gone forward with any loan at Wells Fargo XXXX to be in the closing now. 
I explained for many months my situation to Wells Fargo and I dont believe any of it for a minute, as I know any loan XXXXfficer at Wells Fargo would instantly see all of my information for months conducting a loan. I have been under the direction and guide of Wells Fargo and my loan officers, so if they were guiding me towards success and the goal how would I be in this position with their lead? 
I now find out that the homeowners association is foreclosing on my home, and there is no way that I am going to allow that to happen while I have been complaining to this agency and Wells Fargo and accusing them of setting me up specifically! 
I have spoke to XXXX XXXX in the Wells Fargo Executive Office, and she has confirmed that they are employees of Wells Fargo and that she was going to make sure there was no foreclosure or any issues on my account, and I have not heard back from her. 
Unfortunately I do not have any time to waste while Wells Fargo tries to deal with their corrupt employees. I am uncertain on the state of this loan, as just yesterday I got an email from my title closer asking me what the status is. 
I was waiting for the response from my loan team, as I emailed to the title closer explaining this, because the deed that they were asking me to have done was unusual and not normal practice, so I did not sign it and sent it to them to see if it was OK and what they required. 
Im appalled that no one in the executive offices has cared to talk to their employees on my loan team, who have done this to me, clearly to have received this email whatsoever! This is the worlds largest financial institution and there are many employees against one person myself, but I know that I have done nothing but follow the direction of Wells Fargo, & my questions will be answered & no one will set me up like this & insult my intelligence.
Product: Debt collection

I received a text message from the collection agency about owning an all state 178.43. Then on the same day I received a report that theres is a collection on my credit report. Under the FCRA I am supposed to be giving at least a week or XXXX to respond but I wasnt given that opportunity. 
Secondly, the debt they are collecting is for auto insurance that I did not sign. Therefore for this debt to valid I am requesting the documentation of agreement between all state and I that state I am liable for the debt.. 
Finally the vehicle that was insured has been sold during the listed period that all state claims they provided this services for the said amount
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Experian to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Experian present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21
Product: Credit card

I opened my Nordstrom Visa credit card in XX/XX/year> and made full, on-time payments each month. In XX/XX/year>, my card was unexpectedly blocked. I was instructed to verify my identity at a Nordstrom store, which I did. Afterwards, I was asked to mail copies of my drivers license and Social Security card. I sent the documents on XX/XX/XXXX, only to be told they werent legible. I resent them, and this time they were approved. However, by then more than 30 days had passed, and Nordstrom Card Services under TD Bank decided to close my account. 

Throughout this process, there was no communication from Nordstrom or TD Bank aside from the phone calls I initiatedno letters, no updates. The delays caused by mailing documents during the holidays were not taken into consideration. Despite having the account for months with no missed payments, they still closed it. 

I have since filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request both the reopening of my account and a review of the practices employed by TD Bank and Nordstrom in this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a two credit accounts with this company, I have had them for approximately 6 months. I got the accounts and one had a limit of {$1800.00} and the other {$500.00}. I made purchases on both and have been paying ON TIME/EARLY and even a little bit extra. I have gotten the balances down to less than {$900.00} and less than {$250.00}. I haven't been using any other credit other than these two cards with this company. I have an open card with another company which I have a {$0.00} balance because I used it and paid it off but I have a credit limit of about {$2000.00}. So between the three cards I utilized less than 30 % of my available balance as to keep my credit score high. I got a letter today stating they decreased the credit limit of the {$1800.00} to {$880.00} which has thrown my utilization to almost 100 % and decreased my credit score drastically. I called and they say they have the right to do this at will and that I would need to talk to XXXX because that is where they got the score and they can't increase my limit without a higher score. This is not an ethical practice nor should it be legal. The only way to get my score back would be to forced to pay off this card to bring my utilization ratio back. The only reason I made a purchase was because of special no interest financing. They are forcing me to pay off early or have a reduction in my score. That is not a fair business practice.
Product: Debt collection

Tried to pay it off but was not getting through the agent. Wanted me to pay full amount was rude and didnt want to work with.
Product: Debt collection

I received an email from NAM Group on XX/XX/XXXX regarding a debt to XXXX XXXX. I typed up a letter for verification of the original debt ( attached is a copy of the letter ). I mailed it via USPS on XX/XX/XXXX ( XX/XX/XXXX there was no mail due to the holiday ). I did not receive anything back. Collection calls ceased and then resumed this week. Ms. XXXX at telephone number XXXX left a voicemail again this morning. I called back and informed her that I sent the verification of the debt letter and did not receive anything back, so I was not comfortable speaking further on arrangements until I received it. She placed me on hold for about three minutes and during that time I received an email from NAM again. It was the same letter I had received back in XXXX, just outlining NAM 's intentions, the creditor, and the amount, but was still not a verification of the original debt in any way. 

Ms. XXXX came back on the phone and stated she sent me the verification letter. I explained the above, that it was the same letter and not a verification of the original debt. Ms. XXXX became very upset and said that she was calling to offer me payment arrangements and that " You took out a loan, you know what you owe, we don't need to prove it ''. I explained I have rights to verify the debt, and did so in writing by requesting several documents to do so. She cut me off and said she would not/could provide me verification of the debt and then said " There is nothing I can do for you then. I am closing your account and writing that you are a refusal to pay. '' She then hung up on me before I could do anything further. 

Not only was what she did falsifying records on my account ( as I never stated I was refusing to pay, nor did I ask her to close my account ), she also was refusing to provide what is mandated legally under CFPB ( a verification of debt ). She also made threats by stating there was nothing further to be done, that my account would be closed, and that I would have a demarcation of " refusal to pay '', which I came to find out was not true after speaking with another agent. This was an array of violations by refusing to provide verification of debt, making false statements, threatening negative action on my account, making threats that are not true. 

I have attached the original email from XX/XX/XXXX, the email Ms. XXXX sent me that she stated was verification of debt, the copy of my letter sent XX/XX/XXXX, and the email sent to NAM 's general email box today after my interaction.
Product: Checking or savings account

XXXX XXXX Different amount was taken from my checking & savings account, also amount taken from my Navy federal credit card, no action taken when I called Navy federal
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE FOLLOWING COMPANIES VIOLATED MY RIGHTS AS A CONSUMER. THE CREDIT REPORTING AGENCIES STATED THE FOLLOWING WERE PROPERLY INVESTIGATED BUT THERE ARE MULTIPLE FACTORS THAT SHOW INACCURACIES, WHICH IS GROUND FOR REMOVAL. 

ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX  XXXX XX/XX/XXXX {$85000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  XXXX {$8000.00} XX/XX/XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT.

15 USC 1681 611 ( 2 ) ( a ) STATES THE CREDIT REPORTING AGENCIES HAVE 5 DAYS TO NOTIFY ME OF WHEN THEY RECEIVE MY DISPUTES.

15 USC 1681 SECTION ( 5 ) ( a ) ( I ) ( II ) STATES IF ITEMS ARE FOUND INACCURATE OR CAN NOT BE VERIFIED THE CONSUMER REPORTING SHALL PROMPTLY DELETE THE INFORMATION FROM THE FILE OF THE CONSUMER.
Product: Credit reporting or other personal consumer reports

I am disputing a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) charge off on my credit report i have provided documents that showed i was XXXX during the time this account was opened and closed and i filed a FTC Police report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  so there is no way i could of opened this account if XXXX XXXX XXXX XXXX
Product: Credit card

This issue is with Capital One over a disputed charge. 

On XX/XX/XXXX  I booked a rental car from XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The charge was for {$440.00} on my Capital One Venture card. On XX/XX/XXXX I arrived in XXXX XXXX, and long story short - the company wasn't able to provide me with a rental car and they never refunded my money. There was some issue and they had accidentally overbooked cars. They added my name to a list of XXXX people so they could call me if one became available, and they never called. I ended up getting a rental car through a different company and when I was back from my vacation, I first tried calling XXXX XXXX XXXX gave it a few hours of being hung up on and being passed around via a non-human phone-tree before I gave up. I obviously wish I had read reviews of this scam company before giving them any money. 

On XX/XX/XXXX I called Capital One and they refunded the charge temporarily while they filed a dispute with the company. Just recently ( XX/XX/XXXX ) the refund was reversed and I was charged the full {$440.00}. I've called Capital One several times now and jumped through every hoop they've given me - timestamped phone calls with XXXX, names of customer service agents I've talked to, and as much proof as I can that I never got what I paid for and I was scammed. But ( as of XX/XX/XXXX and XXXX ) I keep getting a vague response about why the claim can't be processed and I need to take it up with the merchant myself. Which, of course, I am unable to contact the merchant, by design. 

Honestly, in 5 or so years I've never had any issues with Capital One before and I'm beyond surprised about this terrible customer service. It seems crazy to me that they'd risk a years-long customer over charging back a {$440.00} scam transaction. And as far as the one agent that kept pinning the blame on VISA  ... I work in the financial industry and I know that is not correct.
Product: Credit card or prepaid card

XX/XX/XXXX American Express raised my credit limit over 100 % and offered me a 0 % promotional rate on this new credit limit. They sent me a XX/XX/XXXX decision letter reducing this limit even though I paid all minimum payments. They re-instated my highest credit limit after they extorted a {$3800.00} payment from me. I thought I successfully uploaded my response letter to them on XX/XX/XXXX but I also mailed my response letter on XX/XX/XXXX. They said they would respond XX/XX/XXXX but haven't. I am uploading both these said letters to you. Restoration of my credit limit after extorting me is not a sufficient remedy.
Product: Debt collection

There was a Debt on my credit report in which i reported & it was removed. Since i have been Getting calls back-to-back Threats of me getting sued of the inaccurate debt. Now the debt is once back on my credit. To my understanding once a debt has been removed it shall not be once added back to my report, please look into this & remove this debt once for good. Thank you.