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

I logged into MyAudi.com and provided the necessary information to connect with Audi Financial Services for online billing & payment services. I received an email confirmation that this process was successfully completed and my billing statement would now be only available online. However, when I log into MyAudi.com I continue to get a message that my account is not linked to Audi Financial Services ( AFS ). After several attempts, I realized that there's no online site for AFS, even tho I received multiple confirmation letters stating that my Audi account was successfully linked to AFS. When I call AFS, the rep acknowledged that the website " ... is not the best. '' Hearing this, I requested that my billing statements be returned to paper and mailed to me. The rep said he couldn't change the setting, so I requested a manager. The manager told me it would take XXXX days for their back office to make the change to paper billing. I now want to just pay off the car loan early and be done with Audi, but I can't seem to get a pay off statement from AFS. When I called AFS the automated system just gives pay off balance which is more than the amount owing on my last billing statement. I need an explanation why AFS is charging more to pay off the car loan than my last statement. Also want to know why a online billing system is advertised that doesn't exist.
Product: Vehicle loan or lease

I have previously contacted JP MORGAN CHASE AUTO regarding this billing error, I've contacted them through the contact information provided on my paperwork, through phone calls, through mail, and the problem has not been resolved. I've sent letters to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXXXXXX JP MORGAN CHASE & CO BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX not limited to ALL EXECUTIVES with a responsibility to discharge debt according to their filing with the SEC. I have communicated with them over the past year and half regarding the discharge of the auto loan account I have with them, providing a copy of the 1099C IRS form. To discharge the entire amount of the account and to refund me my legal tender made to the organization since XX/XX/XXXX, transfer the security interest of the certificate of indebtedness to my US Treasury Account according to the SEC ACT of 1933. Executive Office sent me a letter stating they did not accept legal form 1099C or any terms I have mentioned.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Collection Account Under penalty of perjury I swear this account is false and misleading Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Credit reporting or other personal consumer reports

I have called multiple times to have an old address of my brother 's home address removed from credit report I no longer get mail there and that old address has been updated to my current address so the information reporting is inaccurate. 
Old XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX creditors have updated address of XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a XXXX which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over 120+ days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only 3 things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **TXXXX* credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX  and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these 3 illegal items removed. 

XX/XX/XXXX Please remove these illegal items off my report. I have no clue why this process has taken so long. This is ridiculous and unfair. As you can see my score has beyond trending in the right direction. The above mentioned items please remove off my report!!
Product: Debt collection

XXXX is the last complaint I filed with you regarding this company. Even after I filed this complaint they did not investigate or validate this debt. This debt is not mine and I have never seen the provider listed on the I voice. Sending me an invoice for a provider I've never seen does not make the debt mine. And thar very invoice shows a XXXX  balance yet it's being reported otherwise. 

The credit bureaus decided that by mid XXXX, medical debt less than {$500.00} will no longer appear on credit reports run by XXXX, XXXX or XXXX. Yet despite this debt not being mine, validated, not having written consent and being under {$500.00} in the year XXXX  this company is illegally reporting it. This is abusive. So SCA Collections is in violation of the FCRA and XXXX. 

If this fraudulent account is not removed, I will contact the Attorney General and also hold SCA Collections financially responsible for all charges I incur from higher interest rates due to the reporting of this fraudulent account and blatant refusal to remove it. This is defamation of character.
Product: Money transfer, virtual currency, or money service

I loaned a friends son money for food in the amount of {$250.00} XX/XX/2022. On XX/XX/XXXX a repayment was sent to me money to pay me back in XXXX separate transactions. The person I loaned the money to is XXXX XXXX. On XX/XX/2022 I received via VENMO {$50.00} and {$100.00} and {$100.00}. ( The name XXXX XXXX was the sender in my transaction list ) to repay the loan. On XX/XX/XXXX a XXXX XXXX disputed the transactions and VENMO, with out my knowledge or consent or even asking me took the money from my account and sent it to someone. ( I don't know because their are XXXX names and XXXX of them are fictitious made up by XXXX. I immediately contacted VENMO as soon as I noticed, because they never informed me,. I was told initially since it was a chargeback I would have to wait up to 75 Days to get a resolution. after almost 85 days, numerous phone calls, being placed on hold for an hour at a time, hung up on, " disconnected '' apologized to and lied to I received an email on XX/XX/2022. This email said the bank sided with the sender and I am not getting my money back. At that moment I requested an investigation, was told it would be escalated I would get a response in XXXX to XXXX hours. XXXX week later after emailing every day and calling. I was basically told the same this that it was being investigated and to just wait. Now that we are at almost 4 months since the initial fraud happened and my money dissappeared. I have hundreds of hours into my attempt to resolve this but they keep telling me the dept handling this has no phones so all I can do is email and wait for a reply. with in XXXX to 2 days. This never happens. They are giving me a complete runaround. I am a good customer. Can't believe they have avoided an investigation. With three names on one transaction not including mine. ( XXXX of which, I don't even know. ) How is this acceptable??? I want my {$250.00} back immediately. Plus I would like {$500.00} extra from my time and my stress. Please help me get this fraud dealt with!! Since XXXX I have been demanding an investigation of fraud and I have been ignored and given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Refer to case # : XXXX. This has NOT been resolved. Against my better judgement I made payment ... what choice do I have? credit is taken a hit thanks to this infuriating company. Again NO RESOLUTION HAS BEEN OFFERED OR ATTEMPTED other than form emails I have been receiving from the beginning. I have explained the situation MULTIPLE TIMES Even attached screen shots also describing this issue in complete detail each time. How is there to be a resolution if the company responds to my emails each time as if it was the first time I've reached out/explained this situation?
Product: Credit reporting or other personal consumer reports

Shellpoint and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ fax ] XXXX [ e-mail ] are attempting to seize my property and {$80000.00} deposit, plus payments made to XXXX XXXX after commencement of XXXX in XXXX XXXX. XXXX XXXX  received additional payments to prevent the bank from selling XXXX XXXX XXXX, XXXX, MA, at auction. The court in XXXX is aware of financial abuse by XXXX XXXX and XXXX XXXX, and of their having made misstatements under oath regarding those responsible for the mortgage payments, My credit has been impacted negatively. 
This is not my debt.
Product: Debt collection

United Collection Bureau Inc is in violation of Privacy Act of 1974. UCB has obtained private information without my consent to use against me. This is identity theft. I received a misleading and deceptive settlement offer from their company on an account that does not belong to me as I have no legal obligation to UCB. Under the FDCPA, they continue to be in violation. consumer will take it a step further in seeking remedy per 15 USC 1692k. Consumer will follow this complaint with a complaint with the FTC for identity theft and fraud, as well as federal lawsuit unless they CEASE and DESIST all current and future collection activities and communication activities.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/year>XXXX  with a balance of {$1500.00}. This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

someone stole my information and opened a loan in my name i contacted the company sent the documents over 3 seperate times and just was left a lawsuit paperwork on my front door this account was opened fraudlently
Product: Credit reporting or other personal consumer reports

XXXX  victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report is a result of XXXX  AUTO LOANS 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 Please block this information from my transunion credit report within XXXX days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID XXXX  Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or XXXX XXXX task force.
Product: Debt collection

I GOT A ALERT THAT A NEW ACCOUNT HAD BEEN ADDED TO MY CREDIT REPORT AND DISCOVERED A ACCOUNT FROM AD ASTRA RECOVERY SERVICE. THE ORIGINAL CREDITOR WAS XXXX XXXX FROM WHICH A ACCOUNT WAS OPENED ONLINE IN MY NAME. I CONTACTED THIS COMPANY AND TALKED TO THEM CONCERNING THAT MY ID AND TABLET HAD BEEN STOLEN FROM MY TRUCK AND A POLICE REPORT WAS FILED WITH XXXX XXXX PD. BOTH COMPANY 'S COULD CARE LESS AND DEMAND PAYMENT REGARDLESS OF THE FACT THE ACCOUNT WAS OPENED BY SOMEONE ELSE.
Product: Mortgage

Due to the COVID-19 pandemic, my pay was reduced for one year. Due to this, I filed for a forebearance through my mortgage company. They allowed to put a pause on payments. My pay was restored and I have been making full regular payments now. The payments that I am making are showing as late ( I think they are applying my current payments to the forebearance period ) and it is greatly affecting my credit score and refinancing. Nobody has reached out to me to fix this and when I try to obtain answers they say they are very behind. I want to reflect my payment history as current.
Product: Payday loan, title loan, personal loan, or advance loan

I have a current loan through Upstart. When I switched banks, I no longer had any money going into the account that was on auto pay. I have attempted to reach out to Upstart via email several times as I am unable to log onto my account as I do not know the email address I have on my account. I have sent XXXX emails to Upstart over the course of several months. When I stopped getting a response on my XXXX email ( XXXX ), I emailed them from my other email ( XXXX ) where I immediately received a response. It has now been several months and I have not received any communication from Upstart. Because I do not know the email address I have on file, they refuse to help. I have offered to verify any information they would need including my name, DOB, SSN, address, and loan number and all they ever respond with is they can not verify me without using the email on file. Upstart is reporting my payment as 90 days late to the credit bureaus, stating I missed XXXX, XXXX, and XXXX payment when I can prove they have taken my payment for the months of XXXX, XXXX, XXXX, and XXXX. Since I have been denied access to my account and they have refused to help me resolve this issue, I have requested the balance be removed as my obligation and all communication has since seized with the company. I have filed a complaint several times with the XXXX that was closed due to upstart stating they reached out to me and they have yet to send me any communication whatsoever. I have requested several times through the XXXX  that upstart submit their communication though the complaint as proof it was sent and received, and have been met time and time again with no communication. I have attached my email threads with upstart, where they have been zero help. I have attached a screenshot showing my payment is several months late, and screenshots showing the payment has been deducted from my checking account on the due date every single month. I truly do not know how to rectify this situation when the company is refusing to help and my credit report is being negatively effected with several late payments reported.
Product: Debt collection

I have no knowledge of this debt.they have tried to contact me via my employer that I currently work at. They have not been able to provide me with any knowledge of this debt or ownership of his debt even after asking several times of the terms of this debt.
Product: Checking or savings account

Instead of declining transactions, Wells Fargo would charge me overdraft fees on bank account numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$890.00}.
Product: Credit card or prepaid card

Paypal has not been impartial when facilitating disputes. In my case, a merchant ( XXXX ) mailed merchandise that was too small. The product came from their warehouse in CA. However, Paypal told me they sent an email on XXXX/XXXX/17, asking me to return the items to XXXX, I never received that email. I did receive an email asking for a confirmation of mailing so I quickly returned the items to the sending address, in XXXX XXXX, CA. However, despite the XXXX indicating the package has been delivered, they have refused to return my monies of {$120.00} until the merchant affirm. This is not appropriate given the merchant is using a XXXX address to make it difficult to return items not usable. Instead, Paypal is working on behalf f merchants instead of the average US consumer in this matter. I ask for assistance in regards.
Product: Debt collection

On XX/XX/XXXX, I submitted a formal debt validation request to a company by the name of XXXX XXXX, who is reporting an unidentified debt on my XXXX, XXXX and XXXX consumer reports for the amount of {$390.00}.

In addition, on XX/XX/XXXX, I submitted requests to all the credit bureaus asking for a reinvestigation. However, despite my concerted efforts, the account remains on my credit reports.

Federal law require that the credit bureaus provide a way to ensure that each it on my credit report belongs to me. Since the information is inaccurate and has not been validated, it is a violation of federal law by both the credit bureaus and the company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge XXXX  XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00} ( Original Creditor : ) XXXX {$0.00} XXXX  XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX has been paid as of XX/XX/2024 and I would like it removed from all credit bureaus its currently showing as a closed account. Confirmation code is included in document.