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

Mechanics Bank finance the XXXX XXXX I purchased in XX/XX/XXXX, from XXXX XXXX XXXX. My initial payment was due on XX/XX/XXXX, wherein, I paid the contracted payment of {$730.00} I also made a Principal Payment of {$1700.00}. 

The Principal Payment was applied incorrectly as evident by the XX/XX/XXXX statement which shows no payment due moreover, the XXXX statement does not reflect any reduction in the principal amount XXXX {$38000.00} XXXX. The XXXX statement requested a payment of {$420.00} which was not credited to my account, this further confirms that the Principal Payment made on XX/XX/XXXX, was applied to Mechanics Bank Interest. 

Mechanics Bank refuses to correct the obvious error and has erroneously reported to the credit bureau XXXXalse information and has destroyed my credit. Mechanics Bank has been aware of this error since it was made and has refused to correct it or communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX. Paid a {$90.00} program fee to open the account. XXXX  XXXX  sent credit card to wrong address and when I called to advise that I havent received a car and advised my correct address again, they sent out the new card but it had charges on card from the previous card that was used in fraud. I disputed the charges and they refused to take them off. How can I make charges on a card I havent received yet. The charges maxed out credit limit and I refuse to pay fraud charges on a brand new card that were made prior to me receiving the physical card. The account was closed as a result. I am asking for my program fee back and for this credit account to be removed from credit file. Negligence on behalf of XXXX XXXX to conduct a thorough investigation and remove fraud charges
Product: Debt collection

Credit Card CAPITAL ONE BANK USA N XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Ally Financial for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Ally Financial placed a collection account on my consumer report claiming that I owe {$1900.00} without issuing the perquisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Ally Financial, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. I am also concerned because the information is not accurate because it does not match among the XXXX credit bureaus.
Product: Credit card

I am disputing a transaction that I did not make from last year, XX/XX/year> and while waiting for an update that is taking much longer than it should I have collected interest and fees.
Product: Debt collection

In XXXX of XXXX, I received a letter for collecting debt from Collectibles Management Resources. On XX/XX/XXXX at XXXX a.m. I called the agent named XXXX XXXX. I asked him what this debt was about and he told me the creditor was XXXX XXXX XXXX and the amount due was {$1.00}, XXXX. I told him I was unaware of the debt and had no idea I owed this company. He said he would send me the invoice from the vendor and he did so, the invoice included date of service and individual being tested for a XXXX XXXX screen. The services provided were for XXXXXXXX XXXX  screen collections only. I explained to him that I needed more detail from the individuals being tested, I needed authorization of service, customer service was provided for as well as what type of test. I tried to call the clinic themselves to obtain this information myself and they refuse to do so since the account was in collections. The phone call that I made to the clinic was on XX/XX/XXXX at XXXXXXXX XXXX  and spoke with a XXXX in accounts receivable. She told me she will send information to the collection agency that I am requesting that she had no way of obtaining the information because everything has been archived. I also asked XXXX to make some corrections to some errors on some invoices at that time as well she said I needed to explain everything to the collection agency for correction. I did eventually there sometime after receive copies of the authorizations and testing types along with the company. Unfortunately I did not have any of this information in my database for accounting nor my drug testing software. Majority of these tests were conducted in XXXX, XXXX and XXXX. At this point I could no longer Bill my client for these services since they were so far dated. In conclusion after going over the invoices I found several errors as well as inconsistencies that needed to be corrected. However shortly thereafter visiting this claim of debt due to the covid-19 pandemic are facility shut down. Therefore I have not heard from this collection agency until recently regarding this claim. The reason for my complaint is that the individual XXXX XXXX has over stepped his boundaries as a collection agency he has made numerous phone calls to people affiliated with me asking for me. This debt is a business debt and should be only addressed to myself or my business. He has called on XX/XX/XXXX my daughter who lives in XXXX California as well as on XX/XX/XXXX he has called my ex-husband of XXXX years past. As well as on XX/XX/XXXX he is called my current husband 's sister to whom we do not speak, and left her a message stating who he is and what agency he's from with a phone number. He is also called my husband 's place of employment as well as his cell phone which has nothing to do with my current company. He is abusing his power of having knowledge of affiliates with my name and harassing me by letting other people know that there is a pending debt in a collection agency from my company, this is in violation of my rights and I believe this individual needs to be reprimanded. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

I wanted to get a copy of my FICO credit report as I am about to apply for a mortgage and wanted to know what my FICO score was, as that is the score most often used by mortgage lenders. I happily paid Experian {$43.00} for the credit report, and was automatically enrolled in their credit monitoring service. I knew their credit monitoring service cost money and that you had to cancel it before the 7 day free trial was over. I cancelled it the same day I got my credit report, as I did n't need the credit monitoring service and did n't want to be charged more. I read the fine print, and I followed through on the instructions to the best of my abilities. Two weeks later, I received an email confirming my purchase of a further credit report and informing me that I am still enrolled in credit monitoring services. I have now cancelled twice and am still not sure if it is fully cancelled. One part of the website says you can cancel online by pushing a few buttons and confirming your cancellation. Another part of the website says you can only cancel by calling their number. The confusing and conflicting instructions, predatory withholding of information, and hiding behind small print are appalling from an agency that is one of three credit agencies. In order to get a mortgage - a basic need of many Americans - Experian and the FICO score are necessary. It is shocking that the CFPB has not shut down Experian 's credit monitoring predatory service.
Product: Vehicle loan or lease

Recently, Ameris Bank acquired XXXX. I tried logging into my XXXX accounts and found that my auto loan account was not working. I contacted Ameris/XXXX, and they said online accounts are no longer provided by Ameris. I used to be able to log in and see all of my payments and submit payments. I opted out of paper statements with XXXX, but Ameris discontinued online support. When I asked the representative to reinstate paper statements and records, I was told they did not support paper statements for auto loans. I was given two options : 1 either call in to confirm payments or 2 go the auto loan bill pay to check my balance ( not including records of actual payments ). I find 1 unacceptable ... I should have access to PRINTED records either digital or paper-based. When trying 2 to make my own records, I received an error message online saying I was " not allowed for accounts pre-paid 3 or more months ''. 

Ameris, in acquiring XXXX, has chosen to discontinue auto loan support in any written form. I am a responsible bill payer and try to get ahead. I should NOT be denied access until my balance " catches up ''. This is a trick to get my interest to accrue and them to make more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. 

According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX  ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX  ( # XXXX ) XXXX XXXX XXXX  ( # XXXX ) I'm requesting XXXX XXXX  dollars per violation or Deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ARE REPORTING MISLEADING AND INCORRECT INFORMATION ON MY CREDIT REPORT. THEY ARE REPORTING A COLLECTION AGENCY NAMED XXXX ON MY CREDIT REPORT WHEN I HAVE NO ASSOCIATION WITH THIS COMPANY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX AND THEY SOLD THE ACCOUNT TO COLLECTION AGENCY DISTRESSED XXXX XXXX XXXX XXXXXXXX. YOU ARE ALSO REPORTING DIFFERENT DATES FOR DATE OF LAST PAYMENT AND DATE LAST ACTIVE. HOW IS THIS ACCURATELY REPORTING WHEN ALL DATA FURNISHED SHOULD BE CONSISTENT? THIS IS A COMPLETE FCRA VIOLATION INCLUDING REPORTING A DIFFERENT COLLECTION AGENCY FOR THIS ACCOUNT. I AM DEMANDING THAT THIS ACCOUNT IS DELETED IMMEDIATELY.
Product: Credit card or prepaid card

I recently applied for a new Chase Freedom XXXX credit card and was asked to agree to " Terms '' that they may take time to review my application. They mentioned that it will take up to 10 days. However, after I submitted my application, I got an email suggesting that I may wait for up to 30 days for the card to arrive by mail or get denied. The dramatic discrepancy in the time frame is preventing me from making a planned purchase. I called Chase, trying to revoke my application of the new card because it will no longer be helpful, but was notified that even though it was pending review ( not yet under review ), they can not cancel my new card application but can only close my account if/when I get approved. Overall, there is misleading information on the card application site and zero customer support about canceling an unwanted application after the fact even though I immediately reached out to them after finding out the unrealistic time frame. This dubious practice should be made known to other consumers so that people think twice before choosing Chase.
Product: Mortgage

On XX/XX/2013, XXXX XXXX XXXX XXXX XXXX issued a loan in the amount of {$500000.00} to someone for a property in XXXX XXXX, NY, XXXX. She had 75 % interest in this property and did not consult the heirs who had 25 % interest in this property before taking this loan.
Product: Debt collection

I received a letter from American Coradius International, LLC on XX/XX/22. The letter said they were a debt collector trying to collect on a debt owed to XXXX in the amount of {$2700.00}. I do not owe any money to XXXX. I called XXXX to verify and they said this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptlyXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX, XXXX, I have been on the telephone for 2 hours with representatives and managers of Experian attempting to secure the free identity theft protection issued by XXXX XXXX who recently purchased XXXX XXXX XXXX XXXX XXXX XXXX or ( " XXXX '' ). It appears that XXXX may have overlooked the fact that its ' data system had been compromised via evidence of unauthorized access to the XXXX network. 
Unfortunately, due to managers hanging up and not returning calls and individuals who simply did not know what he/she was doing with Experian, I have been unable to establish a file to secure my identity due to this breach. The call was disconnected and Experian did not call me back even though I had given my number as a call back. Also the code states " invalid CSRF token '' each time I try to log in. Thus XXXX XXXX and XXXX and Experian has failed to enable me to secure the free identity theft protection even though I have been on this phone for hours and hours with incompetent employees who do not have a clue how to process this and employees who do not call back after the calls drops or they disconnect on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what RECEIVABLES MANAGEMENT is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that RECEIVABLES MANAGEMENT is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of 15 U.S.Code 1681b ( a ) ( 2 ) being violated by XXXX, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, RECEIVABLES MANAGEMENT must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to RECEIVABLES MANAGEMENTs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against RECEIVABLES MANAGEMENT I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
Product: Debt collection

Starting summer of 2020 ; I started receiving letters and phone calls from different debt collectors. I told them Ive never owed money to anyone. I pay all my bills. I also stated that Ive never even heard of nor lived at the address tied to the debt. Somehow they have my full name, date of birth, phone number and social security number. After stating this they told me they would make a notation. And I would stop receiving calls and letters ; until they sold debt to another company ; which started the process all over again. The original debt is with dish network. The two current debt collection companies are XXXX XXXX for {$330.00}. And the second is GC Services for {$460.00}. Which are both for the same debt. 
This has been detrimental to my credit score and caused me troubles with other loan approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX to verify this information with Discover Card services. 

I am also asking XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( s ) XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Account ( s ) XXXX and XXXX XXXX XXXX Account ( s ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.
Product: Debt collection

On XX/XX/year> I submitted a complaint through the CFPB portal complaint # XXXX. I requested NATIONAL CREDIT ADJUSTERS to cease communication pursuant to 15 USC 1692c ( c ). After reviewing unverified documents or information I am unaware of any contractual agreement and or obligation to pay NATIONAL CREDIT ADUSTERS. PLEASE NOTE : I refuse to pay this alleged debt. I am demanding that ATIONAL CREDIT ADJUSTERS delete or remove this account from any and all credit report agencies immediately upon receipt of this refusal to pay NOTICE. Please note failure to comply under the FDCPA 15 USC 1692c ( c ) shall be a violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

15. USC 1681 Section 602 A. States that I have a right to privacy. 

XXXX -ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # - XXXX XXXX  XXXX # - XXXX XXXX XXXX XXXX  XXXX # XXXX US DEPT OF EDUCATION XXXX # XXXX 15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15. USC 1692 C. Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt.

15. USC 1681 N. Civil Liability for willful non-compliance. 
Any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.
Product: Checking or savings account

Received the following credit report issue ; however, I do not have an account with this establishment, so is this something I still need to be concerned about affecting my credit and any other related aspect because of this email? 

XXXX P.S. 
screen shot available upon request XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX
Product: Credit card

On I XX/XX/2023 I applied for an CHASE XXXX XXXX credit card and I Was Denied Access To My Open End Consumer Credit Plan. In accordance with the Equal Credit Opportunity Act CHASE has violated my rights. In accordance with Security Exchance Commissions this is considered Securities Fraud. I summited CHASE an Application/Security of value and did not get anything in return.

I will be Attaching my supporting documents.
Product: Payday loan, title loan, or personal loan

I run my credit to purchase a bike a month ago and the credit check was good. I recevied a loan for XXXX. Its has been weeks and I keep having technical issues trying to make the purcahse. I have called several times and any issues all the response I get is a supervisior will try to contact you however no one has contact me since and I had an order canceled. I have been waiting too long and I am upset that any fraud investigation have not been resolved so I can make my purchase and be on my way. In these COVID times I actually have money to pay and Klarna doesnt want to make this work. Im not getting the purchase I want and all this is doing is damaging my credit history
Product: Mortgage

I am the executor of my sisters estate. Me and the estate attorney have been trying to have me added to the account so I can get payment information and change billing address. I have sent them the Letters of Administration and other docs as requested in their letters twice but still have not been added. We have sent checks to Mr. Cooper monthly based on bills in her records but it appears they have not been cashed and late fees have been applied. I just received the Foreclosure Notice.
Product: Debt collection

I got sick on XX/XX/2015 and went to the hospital for 30 days. I took the ambulance to the hospital so I think thats what the debt is for. Ive tried to contact them numerous times to set up a payment plan of some sort, but they always would say to me that it isnt enough money per month.