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

THIS IS TITLE ISSUE... NOT EXT WARRANTY OR GAP BUT I DID NOT SEE THE OPTION LISTED PLEASE HELP ME WITH THESE CROOKS! 

XXXX XXXX XXXX, NC ( XXXX ) XXXX PURCHASED MY XXXX XXXX FROM CARVANA XX/XX/XXXX. TO START, THEY INSPECTED MY CAR AS A XXXX. TOOK DELIVERY OF MY CAR, THEY REACHED OUT A DAY LATER BEGGING ME TO GET MY OWN CAR INSPECTED AND MADE ME AWARE OF THE SITUATION THAT TOOK PLACE BLAMING IT ON THE TECH. I WENT TO GET IT INSPECTED AND FOUND ALMOST XXXX WORTH OF SERVICE WORK THAT NEEDED TO BE DONE, THAT WOULD NOT HAVE PASSED A NC STATE INSPECTION. WEIRD RIGHT? TOOK MY CAR TO XXXX XXXX XXXX WHERE XXXX THE STORE MANAGER HELPED ME TREMENDOUSLY. MOVING FORWARD, THEY COVERED THE COST OF THE WORK AFTER THREATS OF REACHING OUT TO THE DMV INSPECTOR. FAST FORWARD TO XX/XX/XXXX ... I RECEIVED A TEXT FROM CARVANA THAT THE TAG HAS BEEN ISSUED AND ARRIVING IN 5-7 BUSINESS DAYS. I'M CURRENTLY TEXTING WITH AN ADVOCATE AT CARVANA NOW THAT TELLS ME THAT WAS A MISTAKE. AND I CAN ONLY GET A NEW TEMP TAG IF THE REGISTRATION WASN'T COMPLETED. NOT WHAT I WAS TOLD MONTHS PRIOR. AFTER REVIEWING THINGS ONLINE, I SEE I AM NOT THE ONLY PERSON GOING THRU THIS. WHAT'S GOING ON? PLEASE HELP ME GET ANSWERS AS I'M STILL RIDING ON A XX/XX/XXXX EXP DATE ON MY CURRENT TEMP TAG. ALSO, JUST OPENED ANOTHER XXXX  COMPLAINT TODAY AFTER THE TEXTING ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to apply for a mortgage loan and the lender informed me that I was denied due to not having a credit score or history with Equifax. I immediately contacted Equifax and after several unsuccessful attempts of trying to verify my identity I was told I would need to fax over my identification and other documents to verify my account. After faxing the documents in I was told I would need to wait 7 businesses days until everything could be processed into the system. After waiting a full 14 business days I was then told to try back later because they still did not have the documents or to try resending them. I eventually was able to successfully reach an Equifax agent through the Equifax Mortgage department who after verifying my identity informed me that nothing had been reported to my account since XXXX, they did not have an address on file for my account and the issue was not on their end that I should try to contact my creditors and make sure they are reporting to Equifax. 
After contacting both creditors they assured me they were reporting to all three major bureaus and XXXX XXXX even went as far as to call Equifax with me on the line and Equifax told us that they were unable to disclose any information at this time and I should try back later. 
At this point with no clear issue or direction I am unsure which route to take. Both XXXX XXXX and XXXX  have all of my data on file and are accurately reporting my debt, According to Equifax the issue is not on their end but Myself and no other creditors are able to pull a report or score from them and they refuse to provide me with any clear direction. My family and I are in jeopardy of being displaced and the one major credit bureau whose in control of credit monitoring refuses to resolve this issue that they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian, XXXX, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNTS : ( Original Creditor : XXXX  ) XXXX It's ridiculous this this account is still reporting on my credit file as XXXX and XXXX have already deleted this inaccurate account. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Credit reporting

I went to XXXX of XXXX XXXX XXXX XXXX XXXX HillsCA XXXX phone # XXXX asked XXXX XXXX times on XXXX XXXX that how much It will cost me? I also told her that I have only XXXX XXXX, and she replied your payment will be XXXX '' If she would have told me the amount, or not covered by XXXX 100 % I would not have gone there. After some time I started receiving call to demanding money. I kept telling that XXXX told me that payment will be XXXX so I am not going to make any payment so Firm went to collection agency, XXXX. Collection agency stat writing threatening letters and wrote me that if I do not pay, it will be reported to credit bureaus. 
On XX/XX/XXXX when I received my credit report. In spite of writing all explanation XXXX collection agency ( and provided all documents ) reported to credit bureaus I think it is not ethical because collection agency should investigate XXXX. I thought collection agency would investigate to find out what is the truth. It is not fair to report to credit bureaus without conducting investigation. What kind of protection consumers have? Is it fair to consumer to suffer because provided wrong information or it is it by law that collection agency destroy any body 's reputation? Is it not responsibility of collection agency to report its finding? 

Is not consumer protection agency main function to protect consumer? 

Please help me
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Debt collection

I called Jefferson Capitol LLC that shows on my credit report in collections. I ask the Rep to please show me how this debt belongs to me. I also told him that I may be a victim of identity theft or someone is using my social security number for a debt that is not associated with me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion because they have failed to ensure that the information being reported by XXXX XXXX XXXX is accurate. Despite my dispute regarding inaccurate charge-offs, TransUnion has continued to report the same incorrect information, which has caused damage to my credit. 

XXXX XXXX XXXX has been inaccurately reporting my account ( Account # XXXX ) as charged off for XXXX consecutive months. 
I filed a dispute with TransUnion to correct or remove the inaccurate information. 
Despite my dispute, TransUnion has continued to report the multiple charge-offs each month, further harming my credit score. 
This repeated reporting has led to credit denials, emotional distress, and financial hardship. 
I believe that TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Checking or savings account

I filed a dispute with Chime on XX/XX/2022 regarding unauthorized charges on my account totaling {$1700.00}. On XX/XX/2022, I received an email from Chime Member Services stating that {$610.00} of my total claim amount was denied, and on XX/XX/2022, I received another email from Chime Member Services stating that the remaining {$1100.00} of my claim was denied as well. According to these emails, their " investigation '' determined that " no error occurred '' and this was their reasoning for these denying my claim. Upon receiving the initial denial email on XX/XX/2022, I emailed Chime support inquiring about the process in which I could go about appealing their decision. A member from the Chime XXXXisputes Team responded with information regarding the rebuttals process. I responded to this email on XX/XX/2022 with additional information and documentation supporting my statement that these charges were unauthorized. I received an email confirming that my rebuttal documentation was received and was told that the rebuttals process may take up to 45 calendar days. On XX/XX/2022, I received an email from the Chime Dispute Team stating that my claim had been reopened and that the additional information I provided didn't change their decision to deny my claim. They indicated that they considered the matter closed and mentioned that I had a right to obtain copies of the documents they relied on in their investigation. I responded to this email on the same day requesting copies of the documentation they referred to, and later that day, XX/XX/2022, I received a reply stating what would be included in the documentation and that I would receive the documentation within the next 10 business days. That said, I still have yet to receive copies of the documentation I requested regarding the information they used to deny my dispute claim. Despite following up, I have not heard back from Chime regarding this claim since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed fraudulent accounts on my report that are due to identity theft. Please see attached FTC report and additional documents to block and delete this account.
Product: Money transfer, virtual currency, or money service

My XXXX XXXXXXXX was hacked and someone got a hold of all my important info like bank acct, drivers license, home adress and etc. And they start transferring money from my bank to XXXX that I didnt authorize at all. First the money transferred was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$5000.00} and on XX/XX/XXXX again for {$10000.00}. US bank said that they cant do anything because it was wired transfer and wire transfer is irreversible. So i filed again and same thing they told me that it was irreversible. They told me that the only thing i will get a refund is if the receiving bank is willing to return my money back. This is my money and this is total fraud. I didnt authorize these. Weve been with US bank for over 20 years now and its sooo sad that they are not willing to help us on our lowest point. I feel that we arent protected especially our money with them. I feel that they failed us big time for not protecting our money. 

Ps. They closed our old acct and we opened a new acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter-in-law attempted to place a security freeze on my Experian credit bureau report on my behalf on XX/XX/2018. She  supplied them with the correct information, yet they sent a message stating they would not place the security freeze on the bureau unless I sent them a letter in the mail. Plus, they are requiring two pieces of identifying information : a utility bill and a state id. 

These items are going to be difficult for me to provide, because I am currently under XXXX care for end stage XXXX XXXX. I recently lost my wallet, which would have had my state id in it and possibly my social security card. My daughter-in-law provided all the correct information, and it doesn't make any sense that the request was denied. Finally, Experian ran the charge through her credit card twice, a total of {$10.00} ( {$5.00} each time it was run ). So to charge the card and then deny the request doesn't make sense either. 

Finally, XXXX had no problem placing the freeze. Same for XXXX. In addition, XXXX didn't charge for the freeze, which leads me to believe my personal information must have been compromised during their security breach. If this is accurate, I would be an identity theft victim, and Experian and XXXX should not be charging the {$5.00} to place a freeze on my credit bureau ( s ).
Product: Debt collection

I called into Wakefield and Associates using the number on my credit report on XXXX XXXX, XXXX at around XXXX. In that call I provided my name, social security number and date of birth and the male representative told me they did n't have any records matching my information. On XXXX XXXX I filed a dispute with XXXX and on XXXX XXXX I filed a dispute with XXXX and XXXX. The results were that the account was verified on XXXX and XXXX but that they had removed the account from XXXX. On XXXX XXXX I sent a letter to them at the address listed on the XXXX removal. The dates in my letter stated my call was in XXXX instead of XXXX, that was an error on my part but I included a copy of the removal and asked that they also remove from the other XXXX bureaus. On XXXX XXXX I also made a call to XXXX on an unrelated note and inquired as to how something could come back as verified if the company was given my information over the phone and told me they had no records for me. The representative then disputed the account again asking them to verify all personal information. On XXXX XXXX I checked my XXXX report and the account was gone, ten days later the account was back as a closed collection account. At this point I 'm assuming that they already received my letter and were only able to verify personal information because they got it from my letter. At this point they are playing with my credit report and credit score and no one is able to rectify this situation. I have not received any response from my XXXX XXXX letter. It should also be noted that I called the hospital on XXXX XXXX as well and they told me they had no record of the account because it came from a date that was before their merger with XXXX other XXXX and they did n't have any records prior to XXXX XXXX, XXXX. They advised me to contact the collection agency, which I did and that 's when this situation arose.
Product: Debt collection

Received notice of debt collection on my credit report. 
I do not know anything about a debt or debtor. 
I do not know anything about this account I am being sent to collections.
Product: Debt collection

I received a call from Halsted Financial this morning about a debt I did n't know I had. I requested something in writing as I did not receive whatever mail they sent me. They wanted payment over the phone, and I said they would not get any access to my bank account, that I would send a money order or cashiers check with the bill. The supervisor then spoke to my husband and said that if we did not pay it right then, he would mark the account " refusal to pay '', even though I had said I would mail in a payment. I did not refuse payment, just refused to give them electronic access to my bank account. They then threatened legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been showing N/A with Equifax. I first noticed the issue in XXXX of 2018 while purchasing a vehicle. I contacting them and was told I had to prove my identity due to my credit had been compromised in their system. I sent in all documents needed. I contacted them a week later and was told to do the same thing again. I did it again via email and fax this time. Still it continues to show no score. I finally was able to get the loan based on XXXX and XXXX scores. Them in XXXX of 2018 I had the same issues again attempting to get a lease. I contacted Equifax 4 different times and sent them items 4 different times. I finally just purchased a vehicle instead of leasing one for my wife. Now my wife and I are trying to purchase a home and Equifax is still showing no score. I dont know what else to do. My transunion score and experian scores are showing. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX  XXXXXXXX  after seeing if I was preapproved the company did a hard inquiry and started soliciting me for loans Syncs-tjxco XXXXXXXX  I was asked if I wanted a rewards card wasnt informed it was a credit card
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report was ran by company without my permission or having any noticed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern The problem with transunion still Pre exists they didn't keep it word Closing the account they keep reporting like nothing ever happened. I oso noticed the payment history is wrong from XX/XX/XXXX to XX/XX/XXXX it didn't Go 30/60/90/120
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 removed : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have an equity line of credit with Huntington bank. This line of credit originated with first merit bank and was transferred to this bank during the buy out. I currently have a balance of approximately {$34000.00}. The ten year draw period has ended. I have never been late on the minimum payments of this loan. When I realized that the draw period was ending, I went into a local branch and asked for information about this being converted into a fixed rate loan. When I took this out with the original bank, this is what I was told would happen. When I went to the bank, an application was taken, however nobody ever contacted me with a response. I then received a notice in the mail that they are demanding the full balance all at once of over {$34000.00}. I am older now and I do not drive and can not hear well on the phone. Numerous times my family members have taken me to the bank and we are constantly turned away. We are told that there is not an employee in the office that can help us and that they will contact me later. I explain I have a hard time hearing on the phone, but I am told that is my only option other than finding someone to drive me back up and hoping that the employee will then be there when I go back. Eventually I was able to get ahold of the branch and I was told that because I have a very slim credit history that Huntington will not work with me until I pay off a past due XXXX credit card balance. More than once I have asked for them to give me a confident yes that if I try to take care of the discover past due balance, that they will for sure give me it as a loan. Now I am being told that they should have never made the promise with me that if I pay off discover they will help me.