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

Capital One has been charging me a monthly late fee for over a year, even when I make my monthly payment on or before the due date of the XXXX of each month. 

They also assessed me a random {$1.00} fee after I made my most recent payment, without explanation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am having issue with a freeze block on my credit that I did not request!! Please remove it at once. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX my SS is XX/XX/XXXX.I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX XXXX Experian, XXXXXXXX. I am in the process of buying a home and I need access to my files asap. This is a very frustrating.
Product: Mortgage

TO WHOM IT MAY CONCERNNOTICE OF ERRORACCOUNT # XXXXADDRESS : XXXX XXXX XXXX, XXXX NJ XXXXI am contacting CFPB with a Notice of Error committed by Seterus the servicer of my mortgage loan account. 
This inquiry for clarification or documentation as a notice of a billing error, including correcting the account in accordance with XXXX ( XXXX ). 
Please be advised that the following errors are contained in the XXXX XXXX, 2015 Account Statement issued by Seterus. ( Atttached ) The first error - Amount Due is incorrect. The sum of {$2800.00} is in excess of the agreed upon monthly payment amount of {$1300.00}. According to the modification offer it includes principal, interest and escrow of {$540.00}. 
To date, I have made the following timely payments : -XXXX, 2015 check in the amount of $ XXXX-XXXX, 2015 bank check in the amount of {$1200.00} ( Seterus billing amount due ) The payments were made timely, for the required amount. Unfortunately, the periodic monthly statement does not reflect the agreed upon amount due. 
The second error in the periodic monthly statement dated XXXX XXXX, 2015 is -- Legal expenses of $ XXXXXXXXI dispute this amount because public records indicate that XXXX foreclosure fees paid to its counsel are not in excess of {$1500.00}. I think Seterus has marked up the legal fees. 
The third error on the XXXX XXXX, 2015 monthly statement is : -Appraisal Expense of {$15.00} dated XXXX XXXX, 2015- Legal Expense of {$50.00}, dated XXXX XXXX, 2015-Legal expense of {$8.00}, dated XXXX XXXX, 2015Please note that we have been paying timely for over six months and the foreclosure was dismissed by the court. Therefore no appraisal or attorney fees should be charged to our account. 
Please correct these errors and issue an accurate periodic statement from this point forward. 
Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Experian regarding this matter. They have not verified the information and they are still reporting inaccurate information to my credit report.
Product: Debt collection

Contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL regarding a bill for {$300.00} from supposed services rendered on XX/XX/XXXX. I spoke to a woman named XXXX at XXXX Wednesday, XX/XX/XXXX. I asked for XXXX to look up the bill at which she said they had changed computer software and was not able to pull up a bill from over XXXX years ago. I was told to contact XXXX XXXX XXXX to try and get information regarding this bill. Neither XXXX nor XXXX XXXX XXXX had record of any outstanding debt in my name. This bill for {$300.00} is coming from a company called AssetCare located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Their telephone number is XXXX. I would like to have AssetCare investigated because they are trying to extract money for an erroneous bill. Their bill clearly states they are attempting to collect monies on behalf of XXXX XXXX. If that is the case why does XXXX nor XXXX XXXX have record of the bill? I have contacted CFPB and have been asked to reference case # XXXX. I will also be in contact with the attorney general of Florida ( XXXX XXXX ) where I reside as well as the attorney general of Texas ( XXXX XXXX ) where AssetCare is located.
Product: Credit reporting

My XXXX XXXX account has been paid and closed for a year now and I see a 30 day late just came up on this account. Not sure how this happened when it 's been closed and was not there before
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX. XXXX  # XXXX XXXX, XXXX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX  XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported 2 credit inquiries. XXXX on XX/XX/XXXX and on XX/XX/XXXX. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution in this case XXXX XXXX XXXX and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher ( XXXX XXXX XXXX ) ofinformation to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher ( XXXX XXXX XXXX ) of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX and Experian are not maintaining reasonable procedures.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX of 2021 I had given XXXX XXXX right to request for my credit report and score to qualify to finance 12 windows for my home and was approved that day. I never received a copy of that information required by the FCRA. ( Please review attached text message and photo copy of hard inquiry dated on XX/XX/2021 ) On XX/XX/2021 and XX/XX/2021 Mariner Finance also requested my credit report and score which is associated with XXXX XXXX regarding their loan approval for financing. ( Please review attached photo copy of the inquiry requested on two occasion with the Credit Bureau ) I also never received a copy of the information required by the FCRA.
Product: Debt collection

I had XXXX accounts through Pinnacle Credit Services , LLC that were in collections. In XXXX 2015 I paid both of them. Pinnacle has continued to report on my credit that it is a zero balance, but that the accounts are in DISPUTE. I have contacted them via phone and in writing, and told them it 's not in dispute, but they will not fix it and I can not close on a home loan. The bank I am working with for my home loan has also tried helping us, but Pinnacle will not change the status to " no longer in dispute ''.
Product: Consumer Loan

I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit.
Product: Credit card

XXXXXXXX XXXX XXXX were removed from my account without authorization. I have another qualifying Citi credit card with XXXXXXXX XXXX account. I had already requested XXXX XXXXXXXX XXXX  to be transferred to my other card with XXXXXXXX XXXX account so that they can be combined and avoid expiration.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a notification that my XXXX account balance increased by the credit bureau {$440.00}. So, I reach out to XXXX  via chat and email regarding this matter to see why I they added this to my account and XXXX via chat stated she didn't know and didn't have access to see why. So, I then reach via email to be told they did see this to check back and they would possibly provide me with an answer. So, I reach back out to be ignored and not receive a response when I reached back out. XXXX has went bankrupt and is trying to get over on people. I WILL NOT PAY ANOTHER DIME UNTIL MY ACCOUNT IS FIXED PROPERLY.
Product: Credit reporting or other personal consumer reports

My account with the XXXX  XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

my name is XXXX and I disputed a XXXX XXXX XXXX XXXX charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within 30 days or less. if the unverifiable account is not removed within 30 days or less, please include any consumer laws that include my right to sue and take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} -CH XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my rights 15 USC 1681 XXXX  account # XXXXXXXX  Has violated my rights 15 USC 1681 section 602 A,. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has has reasonable cause to believe that the information is inaccurate
Product: Debt collection

My husband and I have been Toyota owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with Toyota. Most recently, we both upgraded to XXXX, and I elected to turn in my XX/XX/XXXX Toyota Prius after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from Toyota ( Toyota sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called Toyota Financial Services and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed Toyota Motor and they referred me back to Toyota Financial. I 've emailed Toyota Financial earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) Toyota only sent one notice ; and C ) This company who Toyota has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18  months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX XXXX that there was a hard inquiry from XXXX XXXX XXXX XXXX , XXXX on my Equifax report. This is a fraudulent inquiry as I did not sign up for XXXX XXXX XXXX XXXX or have anything to do with this. I completed an online dispute on XX/XX/XXXX Confirmation Number : XXXX. I was never able to check the status of the dispute because Equifax was " unable to locate a credit file ''. XX/XX/XXXX I got married and changed my name. I gave Equifax all of the information over the phone trying to use my maiden name and married name with no success. I had called 4 more times over the course of months until XX/XX/XXXX at the advice of a phone operator I faxed a name change and address update letter. I included my marriage certificate, social security card, driver 's license, and a cover letter. I received a letter from Equifax letting me know that a name has been added to my credit report. I called again as I am unable to log in online to an account that I created and was told that they were still " unable to locate a credit file ''. This is simply untrue. I applied for a mortgage in XXXX and have had 2 credit inquiries from my mortgage company this year. Again on XX/XX/XXXX I submitted another fax to the " Disputes or Freeze Department '' to request access to my online account and to dispute the XXXX XXXX XXXX hard inquiry. This fax included all of my identification information that I had sent in the previous fax. I received a letter sent to my maiden name asking for my social security card and a driver 's license, which I had sent. I feel as if I am out of options dealing with Equifax as they refuse to help me resolve the issue.
Product: Credit card or prepaid card

When I found out about the fruad and problems on my bank statement in XXXX of last year, I called the Bank of America to complain about my cloned credit card. They said that they would investiage it. They then refunded to me only a few of the credit card fraudulent charges and they refused to credit me the XXXX XXXX store charges. They asked me to file a ploice report, which I did late last year after getting the run around by the bank officials. After six months of calling and begging them to refund my money, they told me that it was too late to refund my money. But I feel like I have been victimized twice, first by the XXXX XXXX stores in XXXX, and second by the Bank of America officials. The money was supposed to be used to pay for my daughter 's school fees, but we had to borrow the money for her school fees. I have all the fraudulent charges with my bank credit card but the bank refused to listen to me for twelve months. I feel like my back is against the wall with the Bank of America. XXXX XXXX has given me the invoice for the stolen card charges, but the Bank of America officials would not even listen to me and they want me to just forget about it. But this is my hard earned money like everyone else. Please ask the bank to refund my money. I do not have the money to hire a lawyer, so I need your help to fight the big banks in the recovery of my money. 

Thanks so much, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting XXXX XXXX in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX/XXXX  failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my Transunion credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX   report : 1. Shows no payment history, but Transunion do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?