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

I visited a XXXX car dealership in XXXX XXXX, NJ called XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) on XX/XX/2022 and saw a XXXXXXXX XXXX. I've contacted them again in about 3 days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive Friday, XX/XX/XXXX ( " in 3 days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On Thursday XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around 2 to 3 business days.

Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with Capital One Bank in my name for a car I didn't even purchase!
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

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


GLBLNDSVCS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Student loan

I had a student loan from my school XXXX that at one point went into default I had stated to make payments to the first collection company that then took them out of default so I could attend school again. I then enrolled into school then about two months after the school was shut down. My loan was then turned over to Navient. They are the most unprofessional company I have ever had to deal with, the send emails daily just about with all my personal information to be displayed and they then call me every day 2-3 times a day from different numbers and leave messages constantly. I have 34 voice mails all from them in less or around 30days. I spoke with a lady that stated I can be on a XXXX a month payment plan and they will send a email that i have to respond to in 48 hours or I cant enroll in the program the email was send days later and then the letter she stated she would send was never sent. I feel so harassed and I also feel I should n't have to pay this not only because the barrage of calls but the fact the school was shut down due to there legal issues. I feel I want to place a lawsuit on this company for harassment.
Product: Credit reporting or other personal consumer reports

What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.
Product: Debt collection

I received an email from agent XXXX XXXX from XXXXXXXX XXXX XXXX threatening me to be given a warrant for my arrest concerning a debt collection for Speedys Cash Loans. This loan is not on my credit report and I have not received any official documentation for this through regular mail. My mom receives any mail for me concerning important documentation through her home address. I also have my own address and I havent received any mail concerning this debt. For the most part, it is not my credit report and I need to see if this collector is legit.
Product: Debt collection

This company came from nowhere impersonating in the subject of the email : XXXX XXXX XXXX XXXX. Which is a different company. 
Trying to collect something I don't owe in behalf of XXXX without providing any evidence of what's owed, and no evidence, that they can ask for money. 

I believe using false information in communication should be punishable by law. 

Additionally, no information how to ask for evidence of accuracy of their information was provided.
Product: Debt collection

Columbia Recovery Group DBA XXXX XXXX sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing XXXX XXXX that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities. 

XXXX XXXX did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. XXXX XXXX proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, XXXX XXXX emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXXXXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax Data breach.

Equifax seems to discourage us getting their credit monitoring help to victims. They have made it hard to use the help.

I believe when you pay for the service they send you a welcome email but with free service to breach victims, they do not even send an email.
Product: Credit card or prepaid card

I purchased XXXX acrylic prints for my wife for our anniversary. I paid through XXXX using my credit card. When I received the prints they were damaged and I requested a refund through XXXX. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I was approached by a sales representative that attempted to sale me a service packet for XXXX while I was shopping at XXXX 's XXXX in XXXX Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't. It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a year ( XXXX and XXXX ). Thank you for your assistant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit line increase with Goldman Sachs Apple Card. I received an email stating I was declined because of Serious Delinquency on my credit report for XXXX. So I called and asked for another review. They stated there must be a delinquency Im not seeing on my XXXX  report. I called and opened up a XXXX account to review my report. It states no serious delinquency in the past 7 years. I have been approved for increases on other cards but not with Goldman Sachs.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX I revived a message stating that my debit card account was being added to XXXX XXXX ( the message was from my bank ). Soon after I received a call from the exact number of the chase headquarters. I missed the call and soon got another call that I answered assuming it was important. I was told on the call that I was getting a call from the chase fraud department and there was fraudulent activity occurring on my account involving someone trying to add XXXX XXXX to their wallet, and if that action wasnt me to press 1, then later in the call I was asked to variety to make sure it was me and gave them a the code they sent me. After the call my account containing a little under XXXX dollars was completely wiped. Soon later on XX/XX/XXXX my account was over drawn XXXX dollars. I had previously upon creating my checking account activated the feature chase overdraft assistSM which prevents your account from being overdrawn past XXXX dollars. Despite that feature being activated the next day following XX/XX/XXXX I get another email stating that my account is now overdrawn XXXX dollars. I have also yet started that on XX/XX/XXXX after the first incident I had closed my account to prevent any other charges. Upon filing the claim I was told the money was being reversed and would be given back to me. Unfortunately soon after receiving my full amount of money back into my account on XX/XX/XXXX my account was get drained again. I go to chase just to find out that theres absolutely nothing they can do because on that fraudulent call I authorized that money to be taken out of my account despite being lied to and the caller ID being exactly the one from chase headquarters. I have been taken advantage of and need to figure out a solution to my problem. A police report /fbi investigation was submitted and is attached to the complaint Thank you for youre time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ran my credit WITHOUT my authorization or consent on XXXX XXXX, 2022. I was notified by the credit bureau when acquiring about my credit. This is a violation ( 15 USC 1602 ( p ) ) for unauthorized of my social card. I never once came into your dealership or never once signed anything regarding the use of my card.

Using a customers card ( social # ) without authorization is AGAINST THE LAW. Then adverse action against the consumer is also AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692 ( k ).

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that my identity was stolen and I was also discriminated against by XXXX XXXX XXXX XXXX XXXX due to the credit reporting agency. ( XXXXXXXX XXXX XXXX ( AUTO ) XX/XX/2022 ) As it appears on my report. 

XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C Code 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, move only in good faith, you stole my identity but credit was NOT issued.

Furthermore, because my social card number was used and I received NO benefit. This is Proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/24 within 2 hours of the purchase of the gift card, I called US Bank at XXXX after I noticed that the XXXX XXXX card loaded with an amount of {$500.00} was not working and may have been hacked. I was told by the representative that my card had been deactivated and that I will get a new one in the mail within XXXX business days. 

Yet, several hours later my card ( that has always been in my sole possession ) had been used fraudulently. 

I called 5+ times their number to file a dispute, every time I get transferred to their dispute team I get disconnected after waiting VERY long time on the phone ( once after XXXX mins! ). 

So I need to file a dispute and get my money back!
Product: Debt collection

ACCOUNT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company is currently putting medical debt on my credit report that I do not own. None of my personal information was correct. Nor had I ever had any medical bills that went in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to XXXX with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all XXXX XXXX accounts removed from all three credit bureaus immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}
Product: Mortgage

I purchased a house back in XXXX XXXX with another person. The mortgage has fell behind on several occasions and XXXX loans modifications were done. Only the other party was living in the house in XXXX and was suppose to being paying the mortgage which they were not and they applied for the loan mod rather than have the house foreclosed on because the mortgage was past due. I only agreed to sign the loan modification paperwork if they would let the other party assume the mortgage after I Quit Claim deeded the property to the other person. I signed the deed over and signed the loan mod for the mortgage and Wells Fargo denied our assumption afterwards on the basis that they created a secondary lien to HUD around the amount of XXXX which was the past due amount and the person at Wells Fargo informed me that needed to be paid before they could approve the loan assumeption. Now I am on the mortgage, not living in the property and have no ownership rights to the house. The other party is renting the house out and has kept the account in good standing for the last two years. I am unable to take out any type of loans because I am tied to this mortgage and I do not receive any type of rental income. If I would of known this I would have let this house been foreclosed on so at least it would come off my credit at some point. Wells Fargo should have made us well aware about the secondary lien would have to be been paid before we XXXX signed any paperwork. There is about XXXX left on the mortgage and the secondary lien is around XXXX to HUD. The property value is around XXXX. I do not want to have to hire an attorney to file a Quiet Title Action to have the Quit Claim Deed stricken since I gave up my ownership under false pretenses or information omitted by Wells Fargo. All they need to do is a partial release of mortgage or let the owner assume the whole mortgage. I know Wells Fargo has been very deceptive in the Loss mitigations practices and this is another example.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report after previously disputed Capital One has not corrected the information on my consumer report.Capital One has violated many fair reporting acts.Information is still inaccutare and not completed according to 15 U.S code 1681s ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also according ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
As well in 15 U.S code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I the consumer Never received any statement to my mailing address! If creditor believes statement was sent to my resident may creditor show me a certified receipt showing I the consumer sign and received this statement.
Product: Credit reporting or other personal consumer reports

There are discrepancies in my consumer report that require removal. These accounts are associated with a previous address where I no longer reside. Experian has incorrectly connected this inaccurate information to my current address. This practice is not in accordance with the FCRA, as Experian depends on creditors to provide updated addresses and subsequently links outdated account information whenever an address change occurs. 

I am writing to formally dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which requires that credit reporting agencies maintain accurate and complete records. After reviewing my credit report, I believe that the following information is inaccurate, incomplete, and/or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This old account is linked to an old address I use to live at. That address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This old account too is linked to my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX These XXXX ( XXXX ) old accounts are linked to another old address which was : XXXX XXXX XXXX. 
XXXX, FL XXXX How can Experian associate these old accounts with a new address? I require clarification on this matter, as there is an inconsistency in the addresses related to these old accounts in accordance with the Fair Credit Reporting Act. 

I request that you investigate the accuracy of the above information and remove any erroneous, outdated, or unverifiable entries from my credit report. Please note that under the FCRA, you are required to complete your investigation within 30 days of receipt of this complaint and you must notify me of the results of the investigation. 

In addition, please provide me with a copy of my updated credit report once the disputed information has been corrected or removed. 

I appreciate your prompt attention to this matter and trust that you will act in accordance with the law to ensure the accuracy of my credit report. Please do not hesitate to contact me at the above address or by phone if you require any further documentation or information to facilitate your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX, XXXX
Product: Credit reporting

Experian is improperly sharing my credit report after receiving the police report that I am a victim of identity theft. Furthermore, they will no longer give me online access so I can monitor any further credit inquiries on my account.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THE NEXT INQUIRIES : XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX CARD DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXXXXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXX