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

XXXX XXXX XXXX over-charged [ MY LOAN ] by around {$7500.00} [ WHO KNOWS?!? ] on a XXXX XXXX XXXX I purchased on XX/XX/XXXX. I was charged for 2 EXTRA warranties I declined, and Gap Insurance I declined. Plus, the price is still way off without those over-charges. I have all the paperwork to prove my case. What we agreed to [ XXXX XXXX XXXX 's WRITTEN Quote ] isn't close to what they ended up charging me. I returned to XXXX XXXX on XX/XX/XXXX to get things corrected and was told the warranties/insurance stuff would be refunded. But, XXXX XXXX XXXX would not refund the mysterious OVER-CHARGES on my loan, and has not refunded any of the EXTRA CHARGES. 

That was 9-weeks ago and the Bank [ XXXX XXXX ] hasn't received any of the REFUND PAPERWORK from XXXX. XXXX as of today XX/XX/XXXX. XXXX  That means ... I'm paying for over {$7000.00} worth of fraudulent charges [ including extra interest ].

I talked to The XXXX XXXX FINANCE GUY [ who added all these FALLACIOUS charges ] on ( XX/XX/XXXX the next morning ) and signed 3 CANCELLATION/REFUND agreements. The finance guy was MAD as HECK ... because, I was asking for REFUNDS on everything he duped me on. He started a fight AND, said [ Quote ] : " Sometimes dealerships don't turn these cancellations in ...! '' I knew he wasn't going to give me my refunds and it has been 9-weeks since I cancelled everything, and I still am paying for a BUNCH OF STUFF I  DIDN'T ASK FOR & DID NOT KNOW ABOUT and interest on all the over-charges. 

I want XXXX XXXX  XXXX to HONOR the agreement ( I've attached a copy ) they made with me. On XX/XX/XXXX I test-drove the XXXX XXXX XXXX at XXXX XXXX and could come to an agreement on price, so I went home. The XXXX XXXX salesman [ XXXX ] called me at home, after I had left the dealership, and asked what I needed to make the deal happen. I told him {$2500.00} for my trade-in and after all specials [ Preferred Customer - {$2700.00} and - {$2200.00} for using Nissan Financing ] the XXXX Rogue for {$22000.00} + {$1500.00} [ options ] = {$23000.00} + TTL and we have a deal. 

That's exactly what I have on my quote, but no where near the numbers that ended up on my final bill. Here 's what I should owe : {$23000.00} + {$1700.00} est. ( TTL ) - {$2500.00} ( trade-in ) - {$2000.00} ( cash-down ) = {$20000.00} financed. XXXX XXXX says I owe over {$27000.00} and I've made a couple payments already and will need to make a another soon ... so, my loan is getting all messed up. I was told my payment would be under {$350.00}, but because of this I'm paying {$470.00} per month. 

XXXX XXXX XXXX would not talk to me or try fix the problem. Thus, I have been talking to a lawyer and have filed complaints with the TX Attorney General, TX Secretary of State, XXXX XXXX XXXX, TX DMV, and have started a Petition For Small Claims Court. I have spent many hours trying to get my money back, and have had lots of SLEEPLESS NIGHTS worrying that I'll end up losing THOUSANDS & THOUSANDS of $ to XXXX XXXX XXXX. 

I want all over-charges refunded and all interest on the over-charges refunded. Also, I'll need all my legal fees paid by XXXX XXXXXXXX.
Product: Credit card or prepaid card

I disputed an international transaction for tainted products purchased in XXXX, XXXX which only showed itself to be bad ( fuel ) after 24 hours. 

I disputed the claim with Bank of America, my credit card issuer. They gave me a time frame of less than ten days to get a " qualified second opinion '' which had to come out of XXXX, XXXX XXXX. I signed the continuance letter provided by B of A saying I wanted the dispute to continue, but I needed more time to get the documentation from XXXX ( this is for XXXX diesel fuel ). The customer service agent assured me that I would be given an adequate amount of time for my expert second opinion. 

However, within 36 hours of filing the second opinion expert letters, my dispute was refused, ostensibly because the US Government had immutable guidelines on document presentation on disputes. Giving a consumer the short end of the response timeline in no way benefits the consumer, and in my particular case, it was daunting an onerous, since I had to deal with different nations and their work practices therein. I can not change the way XXXX America works, and I can not change COVID lockdowns. I made the bank aware that I would get the documentation they seek as soon as I was able ( it took ten days ). 

I find it unconscionable that the US government would favor the credit card company ( XXXX ) and the bank XXXX Bank of America ) with a 60 day investigation/response time yet provide the consumer with ten short days. 

I wish to dispute this resolution from B of A ( dispute case # XXXX ) in the amount of {$6100.00} USD and wish to have this artifice of a timeline for document review reset. I noticed B of A in good faith I needed more time to get the documents from XXXX, and they acknowledged as much.
Product: Credit card

I made a payment on XXXX for {$490.00} to New York and Company Comenity Bank and was told my payment declined. I requested proof from New York and Company Comenity Bank that the payment declined, and I was told I could not receive the proof. I kindly request that New York and Company Comenity Bank provide a complete and detailed accounting of the entire transaction, from its inception to the present. I am not interested in receiving bills, statements, or invoices alone. Instead, I require a comprehensive accounting to determine the honest party in this dispute. Furthermore, documentary evidence on this account would include documents, papers, correspondence, books of account, and financial and corporate records.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

Beginning balances changed every time there is a direct deposit ; incorrect available balances reported to me with no explanation or acknowledgement of money unaccounted for. Available balances not matching up with documented spending from day to day ( due to changing beginning balances. ) being gaslit and told that I need to check account activity against the text communication after repeatedly confirming that I am doing both.
Product: Checking or savings account

My identify was stolen and was used to apply to credit cards, loans, cellphone account, and to open two accounts with suntrust bank, see attached images.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under  dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I just got out of the hospital and found money to pay my bills. I paid part of them and went the next day to do the rest. the XXXX dollars was missing. I contacted Chase and found them not willing to help. I need the money to pay bills. They had no right to take it from me. I have the printout from them showing XXXX amount. I would like them to work it out. But they will not take my calls. dates : XX/XX/2022 XXXX amount. was XXXX on XX/XX/2022. no money in there now.
Product: Credit card

I applied and received a Platinum Citbank XXXX XXXX XXXX  credit card last year. I never used the card and do not plan to do so, and closed the account last week. I was told by the phone representative that the annual fee would be erased and nothing more was required. However, I continued to receive daily phone calls from Citibank leaving messages saying it was about my card and when I called back, I was told they were calling " to collect a debt. '' I had to speak with three different representatives to get it cleared up. I finally spoke with someone today named " XXXX '' who confirmed the fee was erased.The first twXXXX representatives with whom I spoke claimed I still owed the fee and offered to collect it over the phone. This seems extremely shady and has altered my opinion of Citibank forever.
Product: Debt collection

In the process of trying to purchase my first vehicle back in XXXX I was unable to, due to a Bank of America account that was opened since XX/XX/XXXX without my regards. Ive been a victim of identity theft. 
Today this account has a balance of {$2600.00} and is effecting my credit score. I contacted XXXX  and XXXX  multiple times by mail and neither has solved my problem as this account is still reflecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth to Experian suing for hard inquiries that were on my report. They were never given my written permission to furnish the information and it has caused my reputation and life harm. The letter was received on XX/XX/2021 and the hard inquiries are still on my credit report as of today, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial in accurately reporting consumer information. It is payment im perative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX, account number XXXX ], [ XXXX, account number XXXX ], [ XXXX XXXX XXXX, account number XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, If unable to furnish such proof, I demand that these payments be promptl updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GEORGIA XXXX XXXX CONCERNING CONSUMER NUMBER XXXX CASE NUMBER XXXX To Whom It May Concern In summation. Hidden within this report that was sent to me for evaluation XX/XX/2018 there are many inaccuracies concerning this report summation - None of which have anything to do with my personage, my social, or who I actually am. For one You received my Identification and Social Security Verification Number. Secondly My Social Security Number is not XXXX XXXX XXXX. My Name is not XXXX XXXX XXXX XXXX XXXX XXXX. My Name is Not XXXX XXXX XXXX. There are numerous an inexcusable accounts of negligent information on my report. So many in fact for so many years, that I will retain the services of a Consumer Attorney, to seek out not only legal remedies, but Legitimate Legal Damages to my person. Defamation of my Character, as well as Financial Injury. DO not play games with me. I am an adult. And despite your presume Accuracy you have left a clear and open path towards your own litigation for Civil Damages. I will in fact make you the next Information gathering Corporation holding my private information to be exposed for the inaccuracies on this 230 page report of lies. You will be held accountable for what you say is in your own words We are Unable to determine what you are disputing. You have mired my PRIVATE INFORMATION that you claim to PROTECT with other peoples information. In effect Not protecting me at all. Exhibits A thru all highlighted pages of the very document you claimed was Protecting my privacy thru all of the highlighted pages found in my report is riddled with INACCURACIES AND INFORMATION THAT HAS NOTHING AT ALL TO DO WITH ME. Unverified information that was given to you via computer that was reported to your organization. Then Added to my Report. The information reported caused my Financial Harm, Damaged my  Reputation as well as misled creditors to the point of me not being able to purchase a home to live in.This information slaved to my reports, caused me not to be able to afford a home of my own - a place to lay not only my head down yet my children as well FOR DECADES! 
I will make it a point to show the courts Federal & State that YOU did not check any of your facts, paperwork or verify any signature of mine to any DEED, Address or place of Residence. That by refusing to delete that incorrect and inaccurate information of my reports, without first hand verification did not delete that information, Social Security Numbers, Addresses, Phone Numbers and housing from my report. In effect at the moment of receipt of this let I will formally be reporting your actions to the CFPB. Let this be a formal declaration of my standing as a HUMAN against you as an ENTITY Discriminating against me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX Date : XX/XX/year> Subject : Request to correct inaccurate information in my credit report under the FCRA To the Experian Consumer Relations Team : I am contacting you to formally dispute inaccuracies in my credit report. Specifically, there are incorrect variations of my name and addresses that do not pertain to my credit history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to have my credit report contain accurate and complete information. I request that you promptly investigate and correct these errors. 

1. Federal Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i - Reinvestigation of Disputed Information : Experian must investigate disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. 
2. Dispute Details : Incorrect Names on Report : XXXX XXXX XXXX XXXX XXXX The correct name is XXXX XXXX XXXX XXXX. I request that these incorrect variations be removed and that only my correct name be retained. 

Incorrect Addresses on Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Note : The correct address format is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The current format with additional digits is inaccurate. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( This address is incorrect and is not associated with my credit history. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( This address is not on my credit report. ) The only correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. All other addresses must be removed immediately. 

3. Supporting Documentation : I am attaching a copy of my ID and proof of residency to facilitate validation of my identity and expedite the correction process. I am also enclosing documents supporting my claim.

4. Request for Action : Based on the regulations outlined above, I am requesting that : Incorrect name variations be removed. 
Incorrect addresses that do not match my record be removed. 
I am receiving written notification of the results of the investigation as required by the FCRA. 
If the disputed information can not be verified, I am requesting that it be removed from my credit report immediately. 
As a consumer, I demand that no further time be wasted and that the information be corrected within the legally established 30-day period, according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

last 2016 I made 2 payment in the month of XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) AND ONE OF THE payment was designated to my principal even though I specifically instructed it to be paid to my loans for the month of XX/XX/XXXX and XX/XX/XXXX.That same month the loan was sold to Bank of America and was n't  recorded. now BofA records shows that I am behind by one month and I am been charged for late payment. Also, the month I paid for was retracted and made to cover the ate charges and now I am behing by 2 months. I have spken to them over 20 times and still was told to send information to the bank and it will be looked into but nothing and nw I am been reported to the credit bureau and foreclosure sent to me