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

I bought a car online through Carvana vehicle is literally across the street from me at a XXXX dealership Ive purchased insurance signed my contracts however I noticed contract was post dated and Odometer disclosure is inaccurate with actual milage of vehicle being more then signed official disclosure received and post dating of contract was never agreed upon or disclosed. Now Carvana is attempting to collect payment again of over {$52000.00} signed contract clearly indicates full payment received and no monies due. Financial liability at over {$2800.00} for policy premiums. Presented my contracts to XXXX and provided my insurance information but was unable to take possession of vehicle that interest is in and contracts signed. I will not pay Twice and if purchased goods not delivered by specified time stated in contract will be considered a breach and non performance of contract and will be exercising my consumer rights and I opted out of arbitration FYI
Product: Credit reporting or other personal consumer reports

I have disputed these inaccuracies for a very long time however the credit bureaus refuse to remove them from my report. This is caused a severe hardship in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to remove the following inaccurate personal information, fraudulent accounts and unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and or block any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX, and I am including these fraudulent items once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated one account was deleted and it reported 6 different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY.

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my investigation.
Product: Credit card or prepaid card

I called Chase multiple times before using my card to purchase travel to verify how the redemption process works In XXXX   2019. I was told each I could redeem towards travel however I was never told the travel had to be purchased through Chase. I asked for the calls to be reviewed and was told it would take 3 weeks and pretty much called a liar. I am leaving the XXXX and need a resolution due to misinformation. I spent {$4000.00} and cant redeem my points earned towards my travel purchase.
Product: Debt collection

I was looking through my Great Lakes account and noticed a positive balance of {$XXXX}. In XXXX to XXXX validations of debts. I need this information to be clear and concise as possible, I want to know the amount of the debt owed, the name of the creditor whom the debt is owed. Also I need this organization to validate this debt, verify this debt which means to send me the name and address of the original creditor and send copy of the verification too. Provide me with the name and address of the ORIGINIAL creditor. I need to know this information to understand who I extended credit to and only the original creditor has the power to validate this debt. I am disputing this alleged debt and I refuse to pay this alleged debt.
Product: Credit card or prepaid card

My problem is with Bank Of America credit card payment features and their Automatic Bill Pay feature. Generally speaking the B of A on-line instructions are very confusing and I suspect intentionally ( as well as small difficult to read print ) making it difficult to understand what amount of payment is being applied which leads to payments and interest payments not a reflection the payor 's intentions. I had assumed I set up an automatic monthly payment of the full amount due on my credit card each month, but I had in fact unintentionally set up a minimum payment due schedule. The minimum payment due schedule would subject me to significant interest payments on the balance. I was able to correct the schedule, I think, but it took considerable time by phone to confirm. My complaint is that B of A has known of the confusion their on-line payment system creates but are slow to fix because they have benefited from penalty fees and interest payments. I suspect that the elderly are particularly subject to this confusion and that a check of records would reveal disproportionate fees paid by this, my, demographic.
Product: Debt collection

i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using citizen pay they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX  credit card
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ) expressly requires that consumer reporting agencies ensure the accuracy of all information included in consumer credit reports. This obligation extends to verifying that reported information, such as closed dates of accounts, is both current and accurately reflects the details provided.this law was violated here Upon recent review of my credit reports from various agencies, including XXXX, I discovered a significant discrepancy regarding the closed date of an account. Specifically, XXXX lists the closed date of this account as XX/XX/year>, while another agency lists it as XX/XX/year>. This inconsistency not only raises concerns about the accuracy of my credit report but also undermines my confidence in the integrity of information provided by consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Whom It XXXX Concern : This investigation began in XX/XX/year> and continues to this day. I am disputing all three credit reporting agencies who gives me bad reviews each month. Which have resulted in negative remarks being made on my XXXX XXXX within the same month and on multiple days. I am aware of the utilization formula. However, I believe the XXXX credit agencies ratings are terribly miscalculated for some reason. In reality, I always make my credit payments on time. 

This has had a significant impact on both my life and credit for the past XXXX months. I'm not sure if someone is trying to access my accounts to take my identity. This is something I have never experienced before. It's really scary, and I'm not sure if I should call the police or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with nelnet and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed Nelnet to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with Nelnet is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with Nelnet and is in good standing. I have called the US Department of Education and they tell me to call Nelnet. Nelnet tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, XXXX, XXXX, Experian *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different ExperianXXXX XXXX XXXX XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer
Product: Credit reporting or other personal consumer reports

I hereby assert that XXXX, XXXX, XXXX and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the three major credit bureaus ( XXXX, XXXX, and XXXX ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : 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 XXXXXXXX DEPTEXXXX XXXX BLANCE {$1600.00} DEPTEDXXXX XXXXXXXX BALANCE {$1100.00} DEPTEDXXXX XXXX BALANCE {$4500.00} DEPTEDXXXX  XXXX BALANCE {$7900.00} DEPTEDXXXX XXXX BALANCE {$5200.00} DEPTEXXXX XXXX BALANCE {$9800.00} DEPTEDXXXX  XXXX BALANCE {$5600.00} DEPTEDXXXX XXXXXXXX BALANCE {$2700.00} DEPTEDXXXX  XXXX BALANCE {$480.00} DEPTEDNXXXX  XXXX BALANCE {$4000.00} DEPTEDXXXX  XXXX BALANCE {$9900.00} DEPTEDNXXXX  XXXX BALANCE {$5000.00} DEPTEDXXXX XXXX BALANCE {$7500.00} DEPTEDXXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument.

I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiries on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. 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
Product: Credit reporting or other personal consumer reports

Consumer report agencys ( XXXX and Experian ) are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of error 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. 

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. 

Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact. 

PROHIBITION : a law or regulation forbidding something The continued reporting of this inaccurate information is a clear violation of the Law 15 USC1681 s-2 of your responsibilities as a furnisher of information. 
They are furnishing XXXX which was charged off and sold. The alleged debt do not belong to XXXX no more. So furnishing this information on my consumer report is in violation of XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Netspend opened up an account without my authorization. Credit Card issued by MasterCard card number XXXX.
Product: Credit reporting or other personal consumer reports

With having credit building loans for well over 6 years, no negative inquiries, no late payments and several paid off loans, I don't see how my credit score has risen and dropped XXXX points over the last couple months not to mention it is at XXXX. The only negative impact I can see is my credit usage limit at 66 % which seems marginal compare to the history. Is there something missing or not reported correctly? I just don't know where to look or go from here. My score has been the same for years with minimal increase.
Product: Debt collection

I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management XXXX.
Product: Mortgage

I confirmed via phone, multiple times, a passed due loan amount of exactly {$65000.00}, ( a pay off quote for my 2nd mortgage ), with Specialized Loan Servicing ( SPS ), during the last week of XXXX, XXXX. I was given a due date of XX/XX/. I paid the debt on XX/XX/ around noon, via wire transfer, which cost me a bank fee of {$30.00}. I confirmed with SPS within the next 48 hours, that they had received the payment, as my bank account showed that the funds were withdrawn. 

On the evening of XX/XX/, I discovered that the payment was returned to my account. I contacted SPS around XXXX the following morning. I was told that I had paid an insufficient amount, thus the payment was returned. I explained that my payment, was the exact payment I was directed by SPS to pay. I then asked to speak with a manager ( XXXX ), who told me that she would escalate the matter to another department, and contact me with a decision. I told her that I would check on the status after 2 hours. When I checked on the status, I found out that the manager had requested that the bank accept less of a payment than what I owed, which was not my request. I asked the agent who gave me the update, to correct the request, to reflect that I was seeking a refund of my wire transfer fee, and that no additional interest fees are added, as the misinformation from SPS led to the return payment. She said that the bank would likely decline that request, and they would not discount any fees, or return any fees. This led to my complaint here today.
Product: Debt collection

Sequium Asset Solutions , LLC is reporting false and inaccurate information to my consumer reports and credit file. The account is reporting an alleged amount owed of {$100.00}. I do not have contractual obligation to Sequium Asset Solutions , LLC and have never had any initial communication with this company. I never gave Sequium Asset Solutions , LLC consent to obtain my personal information which constitutes identity theft and is a violation of my individual right to privacy pursuant to to 15 USC 1692. Pursuant to 15 USC 1681 ( a ) ( 2 ) this negative information being reported is harmful to my reputation. On XX/XX/2021, pursuant to 15 USC 1692g, I requested validation of debt from Sequium Asset Solutions , LLC and I am currently awaiting response from their offices.
Product: Mortgage

I am a victim of the XX/XX/XXXX/XX/XX/XXXX housing failure. I was able to modify my XXXX Mortgage with XXXX XXXX back in XX/XX/XXXX. All has been great, I 've made all required payments, and am now at the end of the HAMP ( Modification process ). Unfortunately CitiMortgage who held the XXXX did not comply with the HAMP Program and Modify or Extinguish their Loan ( as per the HAMP Program Rules ). But here 's where it gets confusing ( to me ), after receiving my end of year tax statement from Citi in XX/XX/XXXX, the statement read, Owed - {$100000.00}, Paid - {$100000.00} and the balance was XXXX, I thought all was good and that Citi Extinguished the loan, and I have n't heard from Citi Mortgage in 7 years. And when I call the CitiMotrtgage Bankruptcy number, it states, " We no longer manage this loan, it has been paid in full on XXXX XXXX, XXXX ''. 
Then, I went to re-finance XX/XX/XXXX, and now XXXX years later, I found out CitiMortgage sent my Loan off to the Recovery Dept., and held the Lien on my house. They did nothing to work this out ... I have all my notes from XX/XX/XXXX of who I spoke to on what days, etc., with Citi, and all of my effort to do the right thing back in XX/XX/XXXX. I have sent these notes to them twice, and do n't believe for a second anyone read any of it. I say this because the last time I called and spoke to them, they kept asking me questions that would have been easily answered, if they had taken the time to read my comments. And CitiMortgage has admitted to me on the phone they did n't get all my paperwork I sent them, to the correct Dept. Their mistake never allowed me to modify the XXXX Mortgage. They dropped the ball so many times, gave me the complete run around, transferred me to dept., after dept., told me the Modification was under way, but they did nothing to comply with the HAMP Program. 
They are now still holding the Lien on my house for {$100000.00}, and are telling me that they wo n't release the lien until I pay them in full ... but after finally speaking to the right person, they say now they 'll take at least 25 % of that loan. Or they tell me to do a short sale. I 've put too much blood sweat and tears into my home, and I 'm not walking away at this point!!!!! Besides CitiMortgage is Triple dipping here!! They wrote this loan off as a bad debt. in XX/XX/XXXX, took in money from the Obama bailout, and now want me to pay for a loan that they should have extinguished in the first place!! I have since offered them {$5000.00} dollars to settle this. They refused and countered back with the 25 %. I ca n't do this! I countered back with $ XXXX to $ XXXX, but have not heard back from them. I would be borrowing this money, because I do n't have this kind of money in the bank. And paying this back will take me forever ... 
I am asking for your help with this matter. I want them to extinguish this loan. I tried very hard to get them to comply with the HAMP Program in XX/XX/XXXX, and they totally messed everything up.
Product: Payday loan, title loan, or personal loan

I received an email saying I was approved for a XXXX loan. Speedy cash deposit XXXX into my checking account and XXXX in my saving account. Once it was available they told to send back the XXXX and they give me the the loan. My bank put a hold on my saving account. Now they won't answer my call. Help me please