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

I leased my XXXX XXXX XXXX with Chrysler Capital. I was on autopay the whole lease. I did not change my bank information or modify my payments in any way. I spoke with Chrysler Capital on XX/XX/XXXX to ask how I can buy out my Jeep and nothing was mentioned about any late payment. I went to buy out my lease in XX/XX/XXXX and nothing was mentioned to me in regards to owing any money. In XX/XX/XXXX about 2 weeks after I purchased my car, I received an emergency alert from XXXX XXXX stating I missed two payments on my lease and my credit score dropped more than 70 points. I didnt understand what happened because I was on autopay and I never received any late notices, emails, or phone calls in regards to late payment. My statements were all paperless and went directly to my email for the full 3 years. I contacted the company several times and I was bounced around. Every time I called no one knew what was going on and I had to reexplain the situation. I was told to send a formal letter to a PO Box and an email in regards to my issue which was sent on XX/XX/XXXX. I didnt receive any response back so about 2 weeks later I contacted them again and requested to speak to a manager who said unfortunately theres nothing they can do and that its my responsibility to check that they take it out. He said usually they can fix the credit score but in my case they refuse to do so. I contacted a lawyer because I felt they were being bias and I didnt feel like I was treated professionally. I asked them to release my phone messages and they refused to do so. My lawyer told me they most likely do this all the time and to file a complaint with CFPB because there was nothing he can do because its technically my responsibility to check my bank statements. Its been a full year and Im still fighting to get my credit score back up. I was on my way to a perfect score and now with this error its extremely hard to get my score back. I am currently refinancing my house and I have explain why I missed two full payments. I was on Autopay with no missed payments for the full term until they  stopped autopay unbeknownst to me. This company has poor practices and they refused to fix their error.
Product: Debt collection

CKS Prime Investments- {$850.00} open date on credit report XX/XX/year> I don't have a contract with this company. They are refusing to remove this information from my credit report. According to 15 USC " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication ''.
Product: Checking or savings account

Wells fargo paid me {$500.00} in installments for the opening accounts scandal. But this doesn't cover what their employees did to me XXXX and XXXX XXXX. I didn't receive the {$500.00} all at once. XXXX XXXX is an outright slanderer. She slandered me at wells fargo causing me to lose my new checking account on XX/XX/XXXX. After running back and forth. But I was being set up by XXXX XXXX for her to try & have me arrested by the police & those employees at the XXXX XXXX location were involved. XXXX XXXX caused me and my son lots of problems. We have been harassed by our neighbors because she is using her, a position as a district manager to harass me. Due to her slander, she caused my son in XXXX to be XXXX  by our neighbor. But it was XXXX and XXXX XXXX intent to slander my name to get others to hate me. It's the reason why I can't have a checking account or any type of loan if wells fargo is on the store credit card. I can't have an auto loan through them or anything. XXXX XXXX doesn't want me to have a thing. But with my son being assaulted in XXXX was crossing the line. She has had all her renters harass me. But everything is in her favor because she talks a good talk & turns it around on me saying I harassed her & everyone believes her side of the story. I have a right to be angry about how XXXX XXXX meddling in my life. Wells fargo went along with her lies. She didn't care that she was messing with my life or financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Debt collection

This is XXXX XXXX and I am submitting this complaint myself.

Allied Interstate LLC is a debt collector and is trying to collect {$120.00} from me.

I do not have a contract with Allied Interstate LLC.

I do not know how Allied Interstate LLC obtained my location information to send anything relating to an alleged debt.

This is a violation of my consumer rights and want this matter to be looked into further please.
Product: Debt collection

I received a garnishment summons in the mail from c/o Zwicker & Associates, P.C that are representing XXXX XXXX XXXX XXXX on approximately XX/XX/2019. This is in the amount of {$2600.00}. I tried contacting them to find understand what was going on and what this debt was about. I then sent out a certified letter on XX/XX/2019 in an attempt to have them validate the debt. They did not respond or answer the letter that I sent out which should have been delivered on XX/XX/2019. I have had my personal information compromised in the past and want to be notified of what's going on. By law they must validate this debt and provide evidence showing my signature on it showing that I have an agreement with them. They need to comply with the FDCPA and verify the information or have it deleted. It has been over 30 days and they refuse to validate the debt or even show that I am disputing it which is a violation and I am owed {$1000.00} in damages for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX , DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

Comenity bank apparently took over servicing for XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts. I was not notified of this and only discovered it when some autopayments I had scheduled to be paid with my XXXX XXXX XXXX credit card were rejected because that account had been closed without my knowledge. When I was able to discover that Comenity had taken over I contacted them and began the process to get the Comenity card. I did receive the Comenity card but haven't activated it ; so nobody has that card number and it can't be used. Before I even received that card I received a bill from Comenity with charges that were invalid and had never been paid to anyone. Those charges were paid with the XXXX XXXX XXXX card previous to Comenity 's involvement and I paid the XXXX XXXX XXXXXXXX bill for those charges- I have proof. I began communicating with Comenity and opened a dispute with them on XX/XX/XXXX which they acknowledged in writing. The letter acknowledging the dispute committed not to add late fees or finance charges or report a delinquency to the credit bureaus during the dispute process. They have actually done all of that. I've made at least 8 phone calls to Comenity and sent several messages through their secure message center to get this resolved. After another phone call on XX/XX/XXXX, I was told that it would be escalated. I finally received a letter from Comenity requesting information on XX/XX/XXXX. I replied with that information via certified mail. They received that on XX/XX/XXXX. The next day their collections department called me. After explaining the problem ( again ), I was transferred to the Customer Care team ( again ) and was told the dispute would be escalated for the 2nd time. The issue is that Comenity added not only the original invalid charges, but also 15 more charges for the same vendors that they didn't pay. I have documented proof that those vendors never received any payment from Comenity. In fact, Comenity has never paid anyone on my behalf. I believe that there was a problem with the " transfer '' from XXXX XXXX  XXXX ; but Comenity has refused to acknowledge that or to remove the erroneous charges.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Dear CFPB, I want to file a formal compliant against Capital One Bank XXXX XXXX. In 2016 I was having a lot of issues receiving my statements at my address and I had informed of this. We could n't figure out whether my statements were getting lost or stolen. I had informed them of my concerns and I was told that I would have no issues. The many times this happened I called in to make sure everything was alight and I was told nothing would be reported and my payments were made even though my statements were being delayed and missing. But sadly I noticed that in both XXXX and XXXX of 2016 they had reported me 30 days late, knowing my issues. I just ca n't understand why they would lie to me and tell me I would have no issues with my credit reporting and yet here they are. Unfortunately I am seeing this now and my heart is broken. This is not my fault, CAP ONE was in the know and please investigate this and please have them correct those two months that are showing me as past due. I ca n't understand why they would refund my fees and such and yet still report me even though their representative said I would not over lost/stolen statements. Since then my issues have resolved an dI would like to have this information corrected please, it has caused my score to drop tremendously and I am so very worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX falsely reported that I was 60 days late with an account payment in XX/XX/XXXX. The account was paid off in XX/XX/XXXX. I have submitted 3 claims with Equifax at which point they said to contact creditor which is XXXX XXXX. I have contacted XXXXXXXX XXXX numerous times to 1 ) make sure they report a 0 balance as of XX/XX/XXXX and 2 ) remove the derogatory payment status. Ive contacted them several times in XXXX XXXX XXXX XXXX XXXX and they keep giving me the run around in regards to the proper and effective procedures on how to contact them to initiate the process for them to remove the derogatory status. First they say they can take the request via phone, 1 month later they story changes to I need to file via their secure message center, now its I need to submit a letter in writing to request that they remove the late payment status. I have been following up with this creditor since XXXX of XXXX to ensure my account is order. Ive been a customer since XXXX but they are not being supportive in the process of removing the delinquent payment. Please help my credit score dropped XXXX points bc of this.
Product: Debt collection

I tried to call this company called XXXX XXXX XXXX, because I just now received a letter from them dated XX/XX/2022 with File Number XXXX XXXX XXXX PIN number XXXX for the amount of {$53.00}. The letter shows creditor being XXXX XXXX XXXX, and they offered a discounted amount of {$42.00} for me to pay. However I received a text from another company called Sequium with reference number XXXX there contact number is XXXX requesting money for this same alleged debt. Top level I now have on my credit report listed that I owe {$53.00} but it does not specify to who and my credit report went down terribly. 

I am requesting an official debt validation letter from each one of these companies. I want to get proof of sale with my signature that shows I in fact owe this alleged debt, and I want this collections remark to be officially removed unless they can provide me with signed bill of sale or alleged contract and to whom do I alleged owe this debt to but this is unfair.
Product: Debt collection

The alleged Loan was discharged in a XXXX  XXXX Bankruptcy in 2011 as exempt, non-secured, and protected by homestead. My parents are XXXX XXXX XXXX and this has become Elder Financial Exploitation. Please demand to see the documentation and evidence. It is time barred debt. XXXX XXXX owns the loan.
Product: Credit reporting or other personal consumer reports

the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair credit reporting Act ( FCRA ), 15 U.S.C 1681i. which mandates a reasonable instigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ). 12 U.S.C5536 ( a ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ) File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax companies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

Opened account in XXXX with the promise of a {$350.00} bonus from the bank if direct deposit over {$5000.00}. 

Called bank XX/XX/XXXX and XX/XX/XXXX and they had no record of my XX/XX/XXXX call. 

They could not credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I filed a dispute with Transunion to remove a fraudulent account that is listed on my credit report. They stated it was verified and did not provide any proof although, I know I have never had a account with XXXX. I am trying to establish credit and this is hindering my process and progress in life. 

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

I've been using XXXX XXXX to work on bringing my credit score back up after significant medical bills, decreased wages and divorce. 

What should have been a simple correction on XXXX XXXX XXXX part, by them contacting XXXX to get them to bring my information up to date on my car loan has turned into a nightmare with me going around in circles with different representatives at XXXX who have told me everything from : 1. " it ( the loan ) doesn't belong to you ''. 
2. " Wells Fargo deleted it when I disputed the balance ''. 
3. " Hold on and I'll forward your call to our 'Specialized Team ' to assist you '', then the phone disconnects. 
4. " your account has been suppressed ''. 

XXXX XXXX made it clear that it was XXXX who should make the correction not Wells Fargo. 

It's definitely my loan, I still have another couple of years to pay it off best case scenario. All they had to do was correct the incorrect balance amount that they had on file that was making my score lower than it should have been. 

My score has now dipped 17 points because of this error! 

When I tried to fix it myself online the system refused to let me in and I got repeated error messages. 

It makes absolutely no sense why Wells Fargo would delete the information with XXXX  when Wells Fargo is currently reporting the correct information to XXXX. 

I believe XXXX is the one who deleted the information in error and instead of apologizing for their error and fixing it they've taken this inhospitable strange stance. 

Please help!
Product: Credit card

In XX/XX/XXXX, I entered into an agreement with Home Depot ( HD ) to install new kitchen cabinets in my home. I also purchased new flooring and plumbing supplies to complete the kitchen remodel, at an approximate cost of {$22000.00}. At the time, I utilized an advertised 24 Month Deferred Financing Offer by HD ( No Interest If Paid in Full Within Promotional Period ). As I proceeded with the project installation, I continued to make regular payments to my HD account, of approximately $ 180 monthly payment. 
By XX/XX/XXXX ( 24 Months later ) HD Statement showed an added interest charge of {$15000.00} for a total of {$32000.00} for the original project. My new minimum monthly payment due would now be {$1000.00}. This represents an XXXX % increase in my overall due balance, and a minimum monthly payment increase of XXXX %. 
As high as this new minimum monthly payment due sounds ( $ XXXX. ), it would still take me over 32 years to payoff the new balance. I have been paying this higher minimum monthly payment since XX/XX/XXXX, but I know this is not sustainable, since this is equivalent to the mortgage payment on my current house. I can not possibly continue on this path of a downward consumer debt spiral. At the time I entered into this agreement, there was no indication that this would explode into such an out of control interest rates and fees, dwarfing the original {$22000.00} home improvement project. I feel that HD misrepresented this program and did not run me through the numbers so that I would have the opportunity to decline, find alternative financing, or bail out of the project all together. I am asking for your help. 
Thank you for your help!
Product: Debt collection

DISPUTE # 1 Rent Debt of {$500.00} attempted to be collected twice. One account of {$500.00} on my credit ( XXXX XXXX ) and on my fiancs credit ( XXXX XXXX ) statement received 1 )  does NOT have my name on it and 2 ) Reflects ONLY {$500.00} owed TOTAL. I am disputing that 1 ) I do not owe {$500.00} bc my name is not on the move-out statement that documents the {$500.00} and 2 ) I am disputing that we should have been charged a combined {$1000.00} from this company when the document provided to each of us only details a total of {$500.00}. 
**The paperwork from this Rent Debt was sent/mailed to the apartment that we owed debt on in XXXX XXXX name. How does that make since? How could I have received the paper work to dispute this when it was clearly sent to a address We/he didnt live at. Yet the same paperwork he received was mailed to a different address a very old address for me, the address belonging to the person in dispute # 2. Where this company is trying to charge us each the {$500.00} when the paperwork doesnt reflect that. 

DISPUTE # 2 Rent Debt of {$1200.00} attempted to be collected from myself ( XXXX XXXX ) with the name of XXXX XXXX on the move-out statement. My name was taken OFF the lease of this apartment in late XXXX of XXXX. Not only was my name taken off the lease the apartment manager agreed that she remembered doing my roommate release and the name of the person added in my place was XXXX XXXX. I am disputing this balance because I was not involved and my name isnt on the document. The paperwork for this debt was even sent to XXXX XXXX home yet the debt was put on me, someone who wasnt even on the lease during move out? ( Even then why wasnt the debt put on both applicants like what was attempted on dispute # 1 and on this debt I am not even involved in all debt was put on my credit? ) [ Also night I add that If I had owed the XXXX some dollars why would the manager of the complex in dispute # XXXX have rented to me again, they are both run/managed by the same person/company. Paperwork has been very messed up somewhere and if not cleared I will be getting a lawyer, not to settle but to further dispute ] I was listed only on this lease as a co-applicant because management told me I didnt meet the income requirements. ( still took my name off the lease before move out ) I do not give this company permission to contact me by phone. 
Last attempt to settle this without a lawyer** XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has given me a small micro secured loan. It was paid off. The data on my credit report ( attached ) shows it was in collections, could be potentially negative, no balance for a few months or payment shown, shows I closed account at my request when it was paid in full and it was secured not unsecured. Furthermore, it was closed over XXXX  years ago and if it is potentially negative it needs to be removed from my credit reports. There needs to be data for XXXX and XXXX. It needs to show that this was a secured loan that was paid in full. Otherwise if there was any attempt for collections or any negative information it has to be removed it is over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Money transfer, virtual currency, or money service

I was using cash app and needed to talk to a live but could never get anyone on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX, Equifax or XXXX!
Product: Credit card or prepaid card

I was taken in by a XXXX XXXX  pretending to be a XXXX  who would help me XXXX  to the XXXX. They are listed on the uk.gov website as a scam, and when I found this out I attempted to contact Bank of America but they wrote back and said that the money was legit.