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

am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information 1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/scrub>/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have attached 3/3 FTC reports including ALL OF THESE UNAUTHORIZED ACCOUNTS and UNAUTHORIZED INQUIRES that need to be removed. LAW FCRA Section 605B states my permission is needed to place items on my report.

The unauthorized accounts are as followed : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The unauthorized inquires are as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS! 
I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Product: Vehicle loan or lease

Chase Bank has stolen my car for a debt that they have not validated and are trying to get me to pay XXXX to get the car back. 
They have violated at least 10 consumer laws and FDCPA violations. 

I'm sure its more in the contract which I will point out once I receive it. I've had to deal with a lot of stress and anxiety since they have stolen my car. Had to start ubering my child to school with no car seat in the middle of the pandemic. And that has put a lot of trauma in my life
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX  2022 AND XXXX  2022.

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 SYNCB/Amazon -Not Authorized XX/XX/2022 XXXX XXXX XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX XXXX  -Not Authorized XX/XX/2022 XXXX XXXX XXXX - Not Authorized XX/XX/2022 XXXX XXXX XXXX Not Authorized
Product: Debt collection

Amsher collection services Inc is showing up on my XXXX  credit report. I never had XXXX services
Product: Mortgage

LoanCare via XXXX XXXX XXXX has reported to the credit bureaus that I am four months behind on my monthly mortgage payments. They failed to pay my county property taxes and they have stolen my surplus escrow money and failed to apply this money to any of my monthly mortgage payments. For more than nine months I have emailed, written letters, and called them attempting to resolve the matter. I have made the payments that they are reporting as behind. I provided proof of the payments with the transaction dates from my bank statements, I sent them the check numbers, amounts, and dates my bank processed the checks, but they refuse to correct their records. I am a 100 % XXXX XXXX XXXX veteran. My property tax was reduced based on my XXXX, so I had a surplus in my escrow account. XXXX XXXX, XXXX kept the money, but their records do not reflect they applied the funds towards any alleged delinquent payments. Here is my information. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA, XXXX LoanCare via XXXX XXXX, XXXX loan number : # XXXX, and phone - XXXX, email - XXXX.
Product: Checking or savings account

Used my MoneyLion debit card at a Motel on XXXX. My total at checking was {$67.00} with tax as the motel doesnt charge a deposit. 

Instead of the {$67.00} charge, MoneyLion added an additional {$13.00} without my knowledge, or consent. 

I contacted customer service and they are demanding, abrasive and rude. 

1. The company is not disclosing that a 20 % charge is added to the authorization. 

2. The company is using Credit Card on its website and they do not issue a credit card. MoneyLion on offers a debit card. 

3. Customer service is abusive. They hang up on customers if you ask any questions. 

4. Company will not disclose any policies. They will not assist with these policies. They would rather XXXX  customers. 

5. Company is being sued by the CFPB for cheating consumers, along with our military members. 

6. Company has over 3758 complaints with the XXXX  with an F rating. 

7. On the XXXX loans, when we go to accept the loan, you can choose to leave a tip. If you choose to not leave a tip, the website still adds a tip without your knowledge or approval. 

MoneyLion is a public company. They disregard any of the laws in the United States to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my rights under the FCRA by changing and/or illegally updating the DATE OF STAUS and DATE OF FIRST REPORTED on XXXX XXXX XXXX XXXX / XXXX account. Also placing an unsolicited freeze on my credit report with this dispute I am attaching My state ID, copy of my social security and a Gas Bill to prove my identity.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX am I contacted the bank about a mortgage application that we submitted. Upon speaking with the representative over the phone at the bank she insisted that she couldn't assist us. She said to call customer service before handing me over to the branch manager who claimed she couldn't assist then when pressed about the reason she whispered disrespectful remarks about us to the representative next to her that could be overheard since she had us on speak phone. The manager XXXX XXXX informed me that she didn't have to assist me even though I have a checking account with them. Meanwhile ignoring the fact she just disrespected me for asking for help. Before she hung up the phone on me I told her I am closing my account today. I proceeded to the bank immediately and requested to close my account. I demanded to speak with her supervisor and she declined and closed her office door on me to which I responded calling her useless. She refused to close my account then called the police to have me escorted out. The police told her that she couldn't call the police for simple customer disputes. If everyone customer service representative called the police there'd be chaos. 

Since nothing could be done I left the bank and proceeded to contact customer service once more to no avail. I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating the manager XXXX XXXX has used her authority to close my checking account without due process or any regard to myself and the fact that I am permanently XXXX the manager is taking advantage to avoid consequences for their actions when I requested it it couldn't be done but she can retaliate and close my account instead. Nevermind the damage to my credit score given I have a pending mortgage application. 

This should be illegal.
Product: Student loan

In XX/XX/XXXX I applied for the extended standard payment plan, my payment should be {$920.00}. After getting this approved in XXXX, I submitted a request to have all my loan due dates moved to the XXXX of the month so when my auto debit goes out i have 1 day that the ach hits my bank account. I approved a 1 month forbearance and my payment due would begin XX/XX/XXXX. I paid interest accruing during this time and always check the do not advance my payment more that 1 month box. But my due dates got all messed up, my auto debit got set to {$1300.00} and never fixed. I had reached out several times and was just told for the website to update. I cancelled my auto debit on XX/XX/XXXX because it would have over drawn my bank account because the amount never got fixed. Forbearance that i didn't approve i got approval letters for and my XXXX XXXX interest rate deduction wasn't ever updated for ACH. My statements also show the wrong monthly payment amount. my wife and i talked to a nelnet manager and he just ran us in circles and the items he sent weren't updated or accurate as promised. I just want to be able to have ach payments set up for my proper amount, my due dates not messed up when i pay extra principle on a specific loan, and my XXXX XXXX interest rate to be applied properly when i can reset up auto debit.
Product: Vehicle loan or lease

To whom it may concern, or XXXX, My father passed away XX/XX/XXXX, age XXXX. All his assets were in a living trust, and or a family trust. One such asset is a XXXX XXXX XXXX that was leased in XXXX of XXXX set to expire approximately XX/XX/XXXX. The lease was paid for by trading in a XXXX XXXX, and a onetime check. Which turned into a second check when downgraded to an XXXX because of XXXX  XXXX. After his death we parked the car and notified the insurance company. They said they would be glad to add me to the policy as soon as the vehicle registration or lease paperwork showed my name. Im successor trustee. First thing we did was to send my husband with a POA to the XXXX County clerks office. He presented the current registration, death certificate, and successor trustee paperwork. The clerk refused to change the registration because both the XXXX XXXX XXXX living trust or XXXX XXXX XXXX '' were on the registration. My husband tried to explain that the or XXXX XXXX XXXX was the trustee designation, but they said no, and wanted paperwork from Audi Finance. 



Audi finance probate division can only be reached through regular mail or Fax XXXX. On XX/XX/XXXX we faxed the death certificate, and successor paperwork. 

They have yet to contact me. I have called in several times. I have had one customer service rep tell me It was necessary for me to get a court order to change trustee designation. The state of Tennessee, and XXXX County do not require a trust to be processed through the courts. So far, Ive dealt with Life insurance, Annuities, banks, Brokerage accounts, and CDs. All have required the same paperwork, and all have complied and reimbursed interest back to my Fathers date of death. He did not spend thousands of dollars with attorneys setting up these trusts just to hire another one for this car. 

The living trust paid for 36 months of use, and Audi Finance has prevented its legal use. This was a time sensitive deal, and the remaining time from my fathers death to the end of the lease adds up to more than a couple thousand dollars. A nephew has shown interest in buying out the lease at the end of the term, but his parents have requested a copy of the contract which we have been unable to find. 

The XXXX  dealer, and or Audi finance have yet to supply us with one. 

XXXX XXXX vin # XXXX Title # XXXX I understand you have limitations from a legal standpoint, but there must be some law, rules or regulations that compelled all the other financial institutions to act in a responsible manner, but Audi Finance seems to be above following said rules. 



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

I am writing to urgently request the removal of a fraudulent account from my Equifax credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 
The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXX This account was opened fraudulently in my name without my consent. According to 15 U.S.C. 1681c-2, once a fraud alert or identity theft report is received, Equifax should take prompt action. As this fraudulent account is causing significant harm to my credit profile, I request its removal within 4 days, in line with the urgency typically required for such cases. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. I kindly request your support in this case, they are hurting my ability to obtain credit.
Product: Checking or savings account

Unbelievable I placed a check order and they refuse to make it free its not fair I was charged {$90.00} and then XXXX charged me {$30.00} for something I paid rushed never delivered on time I want my money back from my bank
Product: Debt collection

Hello I contacted the collections company National Credit systems XX/XX/XXXX about a collections account created in XXXX, I was told they have documents dated XXXX showing a leasing agreement was and broken with XXXX XXXX XXXX previously owned by XXXX XXXX in XXXX of XXXX which caused the account to go into collections for {$2600.00}. 

I explained the lease was not renewed past XXXX of XXXX and the collections company said they need to dispute the account with XXXX XXXX because the file states otherwise. On the same day I contacted XXXX XXXX XXXX XXXX multiple times via phone and email from XX/XX/XXXX up until XX/XX/XXXX and finally got a hold of her and she advised after speaking with the attorney there that they have no documents of a lease being resigned past XXXX to support the claims that where was sent to collections in XXXX. They are using a clause from the XXXX lease that states lease agreement would continue on a month to month basis until cancelled. 

I explained to XXXX the standard procedures for renewing any apartment lease which is within 60 days of a lease expiring both a yearly renewal and a month to month lease would still need to be singed off for by the tenants and documented with the leasing office. 

In conclusion, they still deny and false claims on their end and the lease was on a month to month contract from XX/XX/XXXX - XX/XX/XXXX. 

Furthermore, I requested they provided dated and detailed information and documents for the reason why they are requesting {$2600.00} I'm still waiting on this information On XX/XX/XXXX I spoke with the collections company to share with them the information since they are working on gathering this as well. I was advised they requested the information on XX/XX/XXXX and have not gotten a response from them and need to wait on them to respond to resolve this matter. 

P.S I also would like to point out they allowed someone else to sign as me on this leasing agreement. If you view the signatures they are identical. ( Attached )
Product: Money transfer, virtual currency, or money service

Coinbase.com has my money and they will not release it. There systems are failing and they say they can not verfiy my account. I have sent support tickets, talked to their XXXX chat bot, and tried to verify my account with no luck and with no response. 

This is clearly a scam to make money off the float of peoples funds. I hope the CFPB will take any and all action aginst this clear and obvious fraud.
Product: Debt collection

XXXX XXXX from Law office of XXXX XXXX XXXX called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the XXXX loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this XXXX loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is, a few months ago I went to check out options of buying another car, & the dealership I went to, ran my credit NUMEROUS times. ( XXXX XXXX XXXX in XXXX, CA XXXX ) On different occasions & days I werent even in the dealership. Checking credit ONCE is useful enough to see a citizens financial background & what they qualify for. NUMEROUS times is outrageous & unfair since these inquiries ARE NOT soft. They sit on the credit for years & weigh it down. Ive spoken to them beforehand when I noticed multiple inquires on my credit when checking Experian, and all they told me was we have to keep checking to see if can offer you a deal. It was extremely unprofessional and not informative in any way because clearly my credit is going to remain the same OR DROP each time you do a HARD inquiry on it. It was completely unnecessary and they shouldve let me be aware because I clearly wouldnt have stayed for business. This is the only dealership thats ran my credit way too many unneeded times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto has not reported any of my payments since XX/XX/2019. This is impacting my credit as I'm missing positive payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bloomingdales credit card which I paid in full with Citi Internal Recovery unit in XX/XX/2017, for {$1400.00} with XXXX # XXXX and payment confirmation for the transaction of # XXXX. However this account is steadily being reported to XXXX XXXX  as 90+ days late since XX/XX/2017. I have attached a copy of the account report from XXXX  that clearly details this account has been reported 27 times as 90+ days late, when there has been no balance owed since XX/XX/2017. I have repeatedly called Citi Internal Recovery Unit to report this account correctly as having been paid off completely, but to no avail.