23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I financed a vehicle through XXXX XXXX. In XXXX of XXXX, the vehicle was found to be totaled. I provided the company ( XXXX XXXX ) with all the information they needed. XXXX XXXX XXXX, I received a phone call about a late payment. I asked the agent, if they had the information, I sent regarding the vehicle that was requested. As of XX/XX/XXXX, the company is still charging me and the current balance is {$25.00}, XXXX.
Product: Vehicle loan or lease

Received auto loan from Consumer Portfolio Services during bankruptcy. 
Made payments for several years via company website, with {$12.00} fees. Recently did some searching on the website and realized that there are no-fee options. ( Pay Near Me ). This information is not readily available on the website. Due to financial difficulties, I paid late, accumulating late fees. I was able to bring my account current this year, yet my monthly statements show Late/Service fees of {$7.00} and {$5.00} for the last XXXX months, respectively, with no explanation. Regular monthly payment plus fees does not match amounts due. I have consistently received phone calls and texts stating that my account is past due 1 day after due date, as well as past due texts after making payments on time. 
There is no indication of where my previous payments have been applied. I have paid more than monthly amount due, yet fees remain. 
There is a notice on my monthly statements that literally reads, " A fee of up to {$30.00} will be assessed on all '' What does that mean?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a further dispute letter to the credit reporting agencies on XX/XX/, asking them to remove or correct any disputed accounts that I believe are incorrectly reporting information about me in my credit file within the legal time frame. All accounts and information must be updated and/or deleted within 30 days of the date the dispute was received in line with Fair Credit Reporting Act section 1681i. Since I have been disputing the disputed accounts for so long, it is evident that the credit bureaus have steadfastly refused to comply with all of my demands. I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to ask the credit bureaus once more to rectify or delete the following accounts as soon as possible : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX Bankruptcy Reference # : XXXX. The disputed accounts that are incorrectly reporting information on my credit file must be addressed as quickly as feasible by changing the status of the accounts or eliminating them entirely from my credit file.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we need to remove incorrect accounts from my credit report. Could you take a look at the documents? There are inaccuracies in the reported amounts and dates for several accounts.
Product: Credit card or prepaid card

Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
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But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
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I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
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Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.
Product: Checking or savings account

To whom this may concern, Thank you for taking this case. I reached out to the Michigan governor 's office and they forwarded your number so I want to start by saying thank you. 

Earlier this month, I submitted a dispute on XX/XX/XXXX for multiple unauthorized transactions on my account. I recently had another dispute open for the same thing. Originally I thought that my credit card had been lost and stolen, which it was, so I ordered a new one, but when the next batch of unauthorized charges came in, I knew something was wrong. 

I reached out to the bank on XX/XX/XXXX and immediately disputed the transactions. The transactions were roughly {$6900.00}, there was another dispute open for charges around {$2700.00}, which were unauthorized. I received a letter stating that the charges were valid without any explanation behind why they were valid, I explained to them that a family member who had been in my home had used my card without authorization. A fifth third told me that they would help me out, they said they would issue me a temporary credit, which they never did, and that they would help me get to the bottom of it. 

A few days later, the bank called me and told me they were closing my account without cause. I had a separate account that was also jeopardized by the same family member, there were some withdrawals and deposits in the account, the deposits were roughly {$1800.00}, I disputed the deposits including the withdrawals, they took away the credits totaling {$1800.00} and also gave back the additional money that was unauthorized. I don't understand if they say the charges are valid, why would they also return the deposits that I disputed? 

The person responsible for the unauthorized charges admitted to it and I also provided that information to the bank. Upon doing my own research, the accounts that were used to make the unauthorized charges were in a completely different name and not my own. The changes made to the account were also charges to places that I had not been to which I had also told the bank. 

I am reaching out to you guys because I do not feel the bank handled this situation accordingly, I believe they completely threw the case out and also force closed my account, then sent me a statement saying that the charges were valid. They didn't do any investigation, they never called me, they did not contact the person who was responsible, and they made no attempt to credit my account, only to completely freeze it, making it negative XXXX XXXX dollars in total for both accounts and then close it so that I couldn't do anything with it. They also completely blocked my access to be able to log into the accounts online. 

I know that this is a bit long but I wanted to provide as many details as possible.
Product: Credit reporting

It shows that my Chase Card account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL. [ TRANSUNION ] I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. For instance, in the case of XXXX XXXX TransUnion LLC ( XXXX ), TransUnion faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX Failure to comply with these demands will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. Thank you for your immediate attention to this urgent matter.
Product: Mortgage

I hope this finds you well, The action taken on XX/XX/XXXX hardship letter was presented to Mr. Cooper explaining details of the hardship. We had file XXXX in XX/XX/XXXX we experience 50 % income decreased following during Covid and resulted to apply for XXXX  XXXX during this time. There are major factors of explanation for this hardship During XXXX we were approve for the XXXX  XXXX program {$60000.00} which would have cleared the rearrange to have a fresh start. The requirements to receive the funding the bankruptcy XXXX  XXXX had to approve this application, Once approve by Trustee we were advised to discharge the XXXX  XXXX to move forward to accept funding. The approval of XXXX  processing time around XXXX  month. In result of the discharge Mr. Cooper immediately prepared to file for new proceeding to result the XX/XX/XXXX statement which increased the balance {$10000.00} more which place over the limit to receive funding From XXXX  XXXX. After we could not move forward we have continued to request to restart the modifications to keep our home. I will upload supportive documents. During this process we thought a third party of professionals could assist with communications however what look to great option turned into other concerns, mislead and it appears the loan specialist, bankruptcy attorney department and modifications department are not on the same page. We have continue to request Mr. Cooper Investors for the approval for the original modification acceptance for rearrange XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED TRANSUNION RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) TRANSUNION SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A TRANSUNION FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS DAYS
Product: Debt collection

I am writing to you with the utmost urgency and frustration regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite repeated attempts to rectify this egregious error, these fraudulent accounts continue to tarnish my financial reputation. This is unacceptable, and I demand their immediate and aggressive removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to XXXX, Experian and XXXX to no avail. Below is  a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, XXXX, and Experian will follow the laws laid out in the Fair credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate my disputes and have updated accounts that should have been deleted, had they done a proper investigation. These are accounts that has been deleted on both XXXX, and XXXX, but due to Experian negligence, and failure to properly investigate, the remain affecting my credit report
Product: Vehicle loan or lease

I am writing to express my concern about the high-pressure sales tactics used by a dealer and loan lender in connection with a used car finance that I opened on XX/XX/year> from Mercedes Benz Financial XXXX 

I feel that I was pressured into purchasing unwanted add-ons such extended warranty that I did not need or want. The salespeople used aggressive tactics, such as : Implying that I would not be approved for the loan without the add-ons.

Stating that the add-ons were required by law or included in the price of the car.

Misrepresenting the cost and benefits of the add-ons.

I refused to allow myself to leave the dealership until I agreed to purchase the add-ons.

I believe that these tactics are unfair and deceptive, and I am concerned that they may have violated consumer protection laws. I am requesting that you investigate this matter and take appropriate action to protect consumers from similar practices. 

After the expiration of the extended warranty add-on, which cost me an additional {$20000.00}, my car began experiencing significant mechanical issues. Despite taking the vehicle to an authorized dealer, the problems could not be resolved. This resulted in substantial repair costs and considerable inconvenience. Ultimately, the ongoing issues and frustration led me to voluntarily return the car to the bank and cease making monthly payments. This unfortunate situation has also negatively impacted my credit score. 

I have attached a copy of my loan agreement for your reference. I would be happy to provide any additional information that you may need.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan in XXXX of {$1200.00} and have since paid of the loan amount and the interest and as the corespondence with the organization as of XX/XX/year> the amounts left that I have to repay is {$1300.00} which is more than the loan itself. I have paid nearly {$2000.00} already which is more than 800 % percentage rate more than the original loan amount. I emailed them about a resolution and was essentially told that the State Laws and guidelines don't apply to them and that I still have to pay the interest off. This is a unfair business practice and should be halted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria secret card was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but Victorias secrecy wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up
Product: Credit card or prepaid card

I revived a email saying my card was over the balance I went to Capital One ATM machine to pay the bill. It would not allow me to pay the full amount because the balance was incorrect, yet they keep declining my purchases and changing new fees for this. I have repeatedly ask them to keep my balance current, however they seem to just ignore me and continue with the same process. However when Im asking for an increase in my account they use the fact that Im always overdrawn and they cant do anything about that. Yet I pay them on time every month and its still not enough. This is how these big companies do to block you from getting the credit you deserve. This has been an occurring practice for them, which is totally unfair to me as a consumer. When will yall really start working for the consumer and not the big companies. Otherwise we will have no win
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

XXXX {$1300.00} ( opened XX/XX/XXXX ) XXXX XXXX XXXX  {$1200.00} ( opened XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I routinely checked my credit report, but this time I noticed discrepancies that seemed to come out of nowhere. I even refreshed my browser thinking it might be a technical glitch, but the unauthorized inquiries remained. I am deeply frustrated by this and urgently request a thorough review of the documents Ive provided to resolve this issue and give me peace of mind.
Product: Debt collection

Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX  phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.
Product: Debt collection

On XX/XX/2018 the company by the name of XXXX XXXX XXXX XXXX XXXX XXXX  Located in XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Took out {$900.00} dollars from my XXXX XXXX XXXX  account. When contacting them they said it was for a Credit Card from XXXX from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX courts XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my XXXX XXXX to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from XXXX XXXX as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XX/XX/XXXX