23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new car in XX/XX/2021 and I went to one dealership and bought the car. XXXX and XXXX gave me one hard inquiry about the car I bought on XX/XX/2021. However Trans Union record it has XXXXour or five inquiries on XX/XX/XXXX for the one vehicle I bought I contacted them and told them that should count as one inquiry because it was to buy a new vehicle and I only went to one dealership as XXXX and XXXX agree. They refused to remove the inquiries even though they all was for XXXX item. This is not right what if I bought a house. XX/XX/XXXX inquiries should be one inquiry not 4or5. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$900.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer Financial Protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax / XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.
Product: Mortgage

Urgent!!! Urgent!! 
It is with great fraustration and hysteria that I am asking that you review my file. My house just sold and my attorney was never notify of the sale day. I have recently submitted a loan modification package up dating all my information, for I was not aware of this sale. My attorney 's office after filing documentation was notify that this file had been transfer to four different attorneys. The First attorney was XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX law firm .Please I am now requesting you reach out to Rushmore loan servicer who apparently did not inform me of the sale day. We have no place to go. I had requested a loan modification due to circumstance beyond my control. I lost my job and so did my wife. Shortly after she suffered XXXX due to the treat of eviction. We want our home. I am attaching my financial for review. 
We finally were able to get our finances in place and provided such to XXXX loan servicing.. We have made significant cut back to our budget ; eliminating many services to our home to be able to survive this set back. We now receive my pension and my wife social security income. 
Kindly confirm receipt of this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a payday loan out for {$2000.00} dollars in XX/XX/year>. My payments are {$400.00} biweekly. Upon looking at my agreement I notice that my principal was changed by the company from {$2000.00} to {$4800.00}. I called to get answer on why the principle amount BORROWED was change from {$2000.00} to {$4800.00} they refuse to tell me. After futhee more research I see there is a fee or charge of {$2900.00} dollars that I was never made aware of. I asked the company about the charge and Im refused information about that as well. I asked them of my XXXX XXXX XXXX payment. I requested to know how much was going to principle and how much was going to interest they refused me of that information as well.

All in all the company refuse to tell me about the details of my loan which I pay on time every payment. They are in violation of the truth in lending act for changing my principal on the loan of what I borrow to a different higher amount which I didnt consent nor was made aware of at the time of obtaining the loan. The principle I borrowed is {$2000.00} dollars NOT {$4800.00}
Product: Vehicle loan or lease

I signed a PPA lease Agreement with Solarcity for a solar system installed on my home that gave me the option to purchase the solar system after 5 years at fair market value determined by an independent 3rd party appraisal per the agreement. Solarcity was taken over by Tesla. I have requested a payoff from Tesla for the last few years. Despite wear and tear, the payoff price for the system theyve given me has increased dramatically from the original quote I was given years ago to now over {$70000.00} for the system. Ive inquired with them as to how theyve determined these prices and theyve been unwilling to be transparent with that process. Ive asked if they would identify the independent 3rd party that is determining the fair market value and they were unwilling to divulge that information stating that is was proprietary information. I dont believe Im the only person running into this issue with Tesla regarding their solar PPA agreements and I just want to be certain they are indeed giving me the fair market value price.
Product: Debt collection

XXXXXXXX XXXX ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX CONTRACTED COLLECTION OF DEBTS NOT OWED TO RS CLARK & ASSOC. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX DATE : XX/XX/2017 AMOUNT : XXXX ISSUES ; I WAS WRONGFULLY EVICTED AFTER I COMPLAINED TO THE APARTMENT MANAGER TO FIX BED BUG INFESTATION IN MY APARTMENT. I KEPT COMPLAINING BUT, IT WAS NOT TREATED AFTER MUCH PRESSURE I WAS FORCEFULLY ASKED TO VACATE THE APARTMENT. I HAD A 7-MONTH LEASE BETWEEN XX/XX/XXXX-XX/XX/XXXX BUT, FORCEFULLY EVICTED XX/XX/XXXX. I WAS THEN CHARGED FOR BROKEN LEASE. I PAID RENT FOR THE MONTH OF XXXX AND WAS NEVER LATE. ( XX/XX/XXXX-XX/XX/XXXX ) RENT SHOULD BE ( {$690.00} X 3 ) IF I WAS ALLOWED TO COMPLETE MY LEASE. EVERY ATTEMPT TO RESOLVE THE MATTER WITH THE MANAGER OF THE APARTMENT AND THE HEADQUARTER -XXXX XXXX FAILED. {$5900.00} WAS REPORTED AS COLLECTION CHARGE OFF ON MY CREDIT AND THIS HAS MADE LIFE WORSE.I NEED HELP. SUPPORTING DOCUMENTS ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Capital one Business + credit card ending XXXX have been used for around 2 years. The capital one bank put restriction on my account on XX/XX/2023 and ask me to submit the bank statement from XXXX XXXX XXXXXXXX XXXX checking account XXXX and XXXX business account ending XXXX. 

I submit the XXXX XXXX checking account bank statement on the same date with my company name, and also submit a ownership letter which provided by XXXX that has my name, company name, routing number, account number and balance. At the same date, I submitted my latest XXXX XXXX bank statement. 

On XX/XX/XXXX, somebody called me and request me to provide me a bank account ending in XXXX belongs to XXXX. I did that as well. 

Same date, they requested me to submit the XXXX checking account void check or account summary. I explained to them I do not have check for the XXXX because I am doing the online business, and everything is wire or ACH. But I screenshot my dashboard of the online banking with shows the full account name, and business name, balance and latest transaction details. 

On XX/XX/XXXX, they called me and told me the business bank statement has to have my name XXXX XXXX on it. I keep explaining to them that whatever I download from XXXX or XXXX or XXXX, the business statements do not include my name. The ownership latter of XXXX is enough to prove I am the business owner. They said can not accept it. 

I am using this card for over 2 years, setup the auto payment and never pay late. Just triggered 2 auto payment returned due to the business slow on XX/XX/2023 but I do submitted another $ XXXX payment after that. 

I used this card to fulfill my order with over 20 suppliers, the frozen of this card have strong effected to my business. I need them remove my restriction as soon as possible.
Product: Debt collection

not mine no knowledge of i filed with the ftc about my id theft long time ago
Product: Credit card

Dear Synchrony Bank Dispute Resolution Department, Attn : Three Major Credit Bureaus I am writing in response to your recent correspondence concerning the status of my Lowe 's account ending in XXXX. I am compelled to address the erroneous claim of a delinquent or derogatory status on my real estate secured loan, as stated in your letter. This claim is inaccurate and has unjustly impacted my credit score and financial standing. 

For over 10 years, my Lowe 's account has been diligently managed with automatic scheduled payments. The assertion in your correspondence regarding delinquency on my real estate loan is not only incorrect but also contradicts my credit report and financial records. 

Furthermore, I would like to highlight that I currently hold two real estate loans, both of which are up-to-date and without any issues. Enclosed, please find the following documents substantiating my claim : A copy of my most recent yearly credit report from XXXX. This report clearly shows that there are no delinquencies or derogatory marks on any real estate-secured loans under my name. 

Bank statements and canceled checks from XXXX XXXX XXXX, demonstrating timely payments for the periods in question for both real estate loans. 

Documentation for both real estate loans, confirming their current status and my consistent adherence to the payment schedules. 

Given this evidence, I respectfully request an immediate review and correction of the records pertaining to my Lowe 's account. 

Specifically, I ask that you : Conduct a thorough investigation into the reported delinquent status and rectify any inaccuracies in your records. 

Update the information reported to the credit bureaus to reflect the accurate status of my financial obligations. 

Reopen my Lowe 's account, considering the closure appears to have been based on incorrect information. 

The erroneous reporting has caused significant inconvenience and distress, and I trust that Synchrony Bank will address this matter with the urgency and seriousness it deserves. I value a fair and accurate representation of my credit history and believe that rectifying this error will benefit both parties. 

I appreciate your prompt attention to this issue and await a positive resolution. Should you require further information or clarification, please do not hesitate to contact me. 

I also humbly request the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding a clear violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 15 U.S.C. 1681 Section 602 ( a ) : My right to privacy has been violated as Equifax is reporting inaccurate and incomplete information on my credit report.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instruction. Equifax has reported the following account without my authorization : XXXX XXXX Account XXXX : # XXXX. 
On XX/XX/year>, I carefully reviewed my credit report and noticed that this account information is incomplete and inaccurate, which constitutes a direct violation of the FCRA. 

15 U.S.C. 1681c ( a ) ( 5 ) : It is stated that no consumer reporting agency may include adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section specifies that no entity may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe the information is false. 
I would like to emphasize that this issue exists only with Equifax. Both XXXX and XXXX are reporting the correct and accurate information on my credit file, which proves that Equifax is failing to comply with the federal requirements set forth under the FCRA. 

Furthermore, I am submitting screenshots of the discrepancies in my credit report for your review and as supporting evidence. 

XXXX failure to maintain accurate and complete records has resulted in an abuse of my consumer rights to privacy and confidentiality. I request that this matter be fully investigated and that the inaccuracies be promptly corrected to comply with the FCRA. 

Thank you for your prompt attention to this complaint. Please let me know if additional documentation or clarification is needed.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my report ran without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is furnishing inaccurate information on my consumer report. There is a hard credit inquiry by " XXXX XXXXXXXX XXXX XXXX  '' on XX/XX/year> that I did not initiate or give consent for. This inquiry is a result of identity theft and needs to be removed immediately. I did not authorize this credit inquiry. I have already contacted Equifax directly to resolve the matter yet they refuse to take any action or acknowledge my claim. Equifax is required by law to furnish 100 % accurate information on consumer reports and they are not doing so. This inaccurate information is causing severe harm to my personal life and Equifax needs to be held accountable. I asked the representative on the phone to provide verification that this information is correct and they refused to provide this information. If there is clear validation that this inquiry was in fact made by me the consumer, please provide me the method and process used for verification. If this can not be provided, the inquiry needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX yr old grandmother was trying to ordering a dryer from Best Buy. She was on the phone with somebody that was XX/XX/XXXX rude demeanor very unprofessional. I get on the phone and ask for a supervisor, the supervisor got on the that was very nice and professional, the supervisor indicated to me and my grandmother the dryer she wanted was out of stock and offer my grandmother a higher dryer that was more of the dryer she was originally going to get at the same rate. That purchase happened on XX/XX/XXXX the delivery scam happened on XX/XX/XXXX. Best Buy told the delivery dryer to delivery my grandmother a beat down used dryer when she paid for a new one, I guess Best Buy thought my grandmother was going to be home alone. A XXXX woman is not suppose to have a nice dryer she was granted to by one of Best Buy associates. Higher up didnt want to accept that, not only did they brought my grandmother the wrong dryer Best Buy cancelled without our consent. When we try to order the same one we suppose to get its a backup until XX/XX/XXXX. My grandmother purchase another dryer from Best Buy I dont know why. Another gentleman gave my grandmother on a cheaper dryer and her new delivery was scheduled was XX/XX/XXXX. I contacted the head leader at corporate thats making it hard for us name is XXXX XXXX and XXXX XXXX can he give us a sooner date, XXXX sent a email stating he can give us XX/XX/XXXX. Received another email from Best Buy 2 hrs ago stating we have to setup our own appointment and delivery time when it was already taken care of corporate is continuing to fraud scam with our account and I have all the evidence pictures.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by Equifax on my credit report. These accounts are inaccurate, unverifiable, and causing unnecessary harm to my financial standing. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Negative Accounts to Be Removed 1. XXXXXXXX XXXX  Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late 2. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off
Product: Debt collection

Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX.
Product: Debt collection

I leased an apartment named XXXX Apartments and i was asked to pay a deposit down of {$500.00} Dollars. An error was made by the leasing office and they wanted me to pay XXXX Dollars for a deposit and went to court and judge ruled in my favor that i did not have to pay an additional deposit. When i moved out the apartment i did not receive my {$500.00} Dollars deposit back and the apartment was left cleaned with no damage. Due to the Manager of the apartment being upset with the judge 's ruling she sent my file over to collection agency and charge me for things she made up.
Product: Debt collection

Portfolio Recovery Associates , LLC you failed to give me a right to dispute in your initial notice which you say was XX/XX/XXXX, I received the initial XX/XX/XXXX, which I immediately sent a dispute letter asking for validation of the alleged debt, you replied back about 5 months later saying you found no evidence of my disputes, but I have two returns receipt that states otherwise, and both receipts signed by the same person. PRA LLC according to FDCPA you in violation of 15 usc 1692e ( 8 ) you failed to report to the CRA 'S that this account is UNDER DISPUTE, according to FDCPA PRA LLC was supposed to cease desist all collection activity act until the alleged account was validated you continued to report according to FDCPA you are in violation of 15usc 1681b ( 2 ) Permissible Purpose to the consumer to whom it relates, I'm the consumer to whom it relates Permissible means- written instructions from the consumer, permissible purpose means consent, without permissible purpose means- identity theft. PRA LLC you said you didn't need my permission when does your company policy overrule FDCPA federal law rules? Do have a signed SSA Form meaning Social Security Administration of me giving you consent to have access to my social security number I know I didn't give it to you. PRA LLC stated I owe you an alleged debt XXXX I would like to know what the arising transactions was PRA LLC and I have for me to be obligated to pay your company for this alleged debt. 
According to law debt means ( transaction ) what instrument or goods did you provide me for me to owe you this debt. On my last attempt to reach out to your company you sent me a bill statement that is not a sufficient validation of this alleged debt. I need a contractual agreement between PRA LLC and I with my signature agreeing to this obligation. Also, it states on my consumer report I opened this account on XX/XX/XXXX but it says my first day of delinquency was XX/XX/XXXX so question to PRA LLC if I opened the account in XX/XX/XXXX How can my first day of delinquency be XX/XX/XXXX? That means this account was re-aged you are in violation of 623 ( a ) ( i ) ( a ) ( b ) false and misleading you are willing fully in non-compliance in the event you continue to report this that's a direct violation of the FDCPA for each violation I am subject to XXXX dollars.