23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Please see XXXX proof is attached of down payment which company previously denied accepting. Also I will be attaching signed delivery of payoff of vehicle on XX/XX/2023 which was signed by Driveway representative XXXX. Driveway told me that the payment was never received yet it was signed for. I sent a notice to cure/ notice of dishonor XX/XX/2023 which was also signed by XXXX. My vehicle was towed on XX/XX/2023 illegally after Payment was received and signed. Driveway is committing fraud of securities while under the indenture trustee of XXXX XXXX and I will me needing the GAAP ledger on this account as fraud has been proven by showing they accepted a down payment which they said they never received or asked for but supplied documents showing otherwise. 
Attachments : Inquiry dated XX/XX/2023 Down payment receipt dated XX/XX/2023 Payment certified delivery dated XX/XX/2023 Notice of Set Off sent to Headquarters addressed to CFO XXXX XXXX dated XX/XX/2023 Notice to Cure/Notice of Dishonor dated XX/XX/2023
Product: Debt collection

I received a phone call this morning on my land line that I let roll over to my voice mail on my answering machine because I didn't recognize the number. The number showing was from XXXX, VA : XXXX. She said the call was from Transworld Systems , Inc., a debt collector company. She said to call XXXX XXXX (? XXXX XXXX at XXXX and gave me a code number to use : XXXX. Since then she is trying to reach me on my cell phone. I believe this is a scam, I am elderly and have no outstanding debts and have never had any. Can you very that this is a scam?
Product: Credit reporting or other personal consumer reports

I was a vicitim of mutiple data breaches with the credit bureaus, my personal information was used to obtain credit cards, bank accounts, and housing. The inquiries and accounts were not removed after nuemerous requests were made to each credit bureau. The accounts came back as verified even though the request for debt validation and assignment contract was never given.
Product: Credit reporting or other personal consumer reports

Ive seen sent off letters in XXXX to XXXX XXXX, XXXX and XXXX. Ive also sent letters in the month of XXXX and XXXX to these same bureaus, and they all have been reporting improperly and inaccurately. Claiming that the counts verified even after seeing the proof that tho account was paid off. 

I have attached my closing documents that shows I have paid TRUIST BANK D/B/A LIGHTSTREAM They are currently suing me for a account that I have already closed.
Product: Credit reporting or other personal consumer reports

Transunion continues to use malicious practices against me. I ask for transaction history only to be removed to XXXX balance from my credit report as the FCRA says I can because that is illegal not for my credit card account to be deleted and they deleted my whole credit report when they previously put XXXX  loans and mortgage on there thats never even been mine who permissible purposes, that reporting transaction is illegal not the removal of my account in full and the rest of my accounts now I dont have a any accounts or I dont have a credit score and why has XXXX XXXX and all of my other things been removed I never requested that. XXXX XXXX has also been removed from XXXX and XXXX as well this is not what I ask for and the law doesnt require me to have the full amount removed but only the transaction balance
Product: Credit card or prepaid card

XXXX, I purchase a book editing and formatting service from a company I believed to be an affiliate of XXXX XXXX and with an email Address ofXXXX  ( notice there is am extra " XXXX '' in the email URL ). A charge of {$700.00} appears on my Chase statement for {$700.00} from " XXXX XXXX ''. 
XX/XX/XXXX, After 6 weeks merchant sends a draft of XXXX out of XXXX pages. The draft is filled with errors and is worthless. I send letter to merchant documenting the errors and begin partial dispute with Chase. 
XX/XX/XXXX, Merchant responds to my complaint indicating he wants an additional {$3200.00} as if this is a " bait and switch. '' Merchant subsequently offers to return to original agreement if I provide a PDF file ( rather than a XXXX document ) and drop the dispute. I tell merchant I require a sample of his revised work. We agree on XX/XX/XXXX as a milestone for receiving a sample of the requisite editing and formatting. 
XXXX, no sample and no contact from merchant. 
XX/XX/XXXX, I begin second dispute with Chase for full amount of {$700.00}. 
XX/XX/XXXX, Chase denies I have a valid dispute by indicating there is no " new evidence '' to reverse their original " finding ''. The Chase review of this dispute has been a perfunctory exercise with no review of the merits of the dispute. Chase has hung up on my telephone calls multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX  responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I have recently been a victim of fraud. I hired a private contractor to fix my home and gave him on separate dates ( two checks ) in the quantity of {$20000.00} and {$10000.00}. Both checks were cashed by this individual and he never finished the job. While working with police investigators and others, it was noticed that neither checka were ever endorsed by the bank that released the funds. I need Wells Fargo to look into this and to also make themselves responsible for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.
Product: Debt collection

On XX/XX/2021 I contacted XXXX  XXXX XXXX And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( FLEXSHOPPER ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want XXXX XXXX to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education/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  The reported balance and payment history of these accounts are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education/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 
The reported accounts status and dates of last activities for these accounts are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account ( s ) was resolved and should be reflected accordingly. The failure to accurately report this information is a drect violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : CREDIT CENTRAL Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : FSNB, NA Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX AMPS/NALLEY 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, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX The incorrect information listed on my credit report is as follows : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address. 

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A1 ) 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX Arizona Subject : Dispute Regarding Violations of 15 U.S. Code 1681o ( Negligent Noncompliance ) To Whom It May Concern, I am writing to formally dispute and bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. This matter concerns inaccurate or improperly handled information on my credit report, which has caused undue harm and financial distress.

Upon reviewing my credit report, I noticed [ describe the inaccurate information, e.g., incorrect account details, fraudulent accounts, outdated negative items ]. I previously contacted your organization on [ date of prior communication ] and provided all necessary documentation to support my claim, yet the issue remains unresolved.

Under the FCRA, you are required to take reasonable steps to ensure the accuracy and proper handling of consumer information. Your failure to do so constitutes negligent noncompliance, for which I may seek damages as prescribed under 15 U.S. Code 1681o.

To resolve this matter, I formally request : A thorough investigation into the inaccurate information and immediate correction or removal of the disputed item ( s ). 

Written confirmation of the resolution within 30 days, as required by the FCRA. 

Compensation for any damages incurred due to your negligent handling of my credit information, as permitted under federal law. 

Please consider this letter as a formal notice of dispute and a potential precursor to legal action should this matter not be resolved promptly. I expect your immediate attention to this issue and a written response detailing the actions taken to rectify this matter. 

If I do not receive a satisfactory resolution within the legally allotted timeframe, I will be forced to explore further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages. 

Please direct all future correspondence regarding this matter to me at the address provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I signed up for a Money Market account on XX/XX/20 with XXXX XXXX XXXX and was to recieve 5.5 % ( 5.64 % APY ) for 6 month. Went to check on the account using the mobile app or Huntington and was told they couldn't " merge '' it with my current on-lineaccount beause I used a middle inital and XXXX told me he would closed this and reopen a new on so I could see them both via the mobile app. He said he was going to make sure the new account got the promo code applied. I check after the 3 days and was told it didn't get applied. Someone else said they would handle it and again, I called 5 day later and nothing was done. I'm only earning .004 % on my $ XXXX which is incorrect. Each time I call, I am told " deposit XXXX XXXX XXXX needs to resolve it. I've called about XXXX 's now, Everyone tells me it'll be resolved in 3 days but it's not, I can't speak to anyone in that department and all I'm being told is " someone is looking into it ''. VERY poor example of customer service and I'm not confident anyone will correct this. I've already lost {$90.00} in interest. I'm ready to close the account but know they won't retro pay me so I'm trying to resolve using any methods necessary!