23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done business with Diversified Adjustment Service , Inc.. I never bought an item, paid for a service or signed any contract with JDiversified Adjustment Service , Inc.. Please provide the signed contract
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize inquiries
Product: Credit reporting or other personal consumer reports

I am writing to dispute two late payment entries on my TransUnion consumer report for the account XXXX XXXX  ( Account # : XXXX ). The late payments in question are for XX/XX/XXXX and XX/XX/XXXX. I can confirm that I was never late for either of these months, and all payments were made on time. 

In accordance with 15 U.S. Code 1666b, I request that you provide documentation to support these late payment claims, including : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least 21 days before the respective payment due date.
Product: Money transfer, virtual currency, or money service

The company just flat refused to cash my money order. Said they dont cash them any more. Even though they did 2 weeks ago. The refused to cash one last week because they claim I didnt endorse it in front of them. 

I personally believe I was being racially discriminated against being a successful hardworking XXXX  man.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked on experian credit report on XXXX XXXX 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX   credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX   XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus Trans Union, XXXX, and XXXX. Please see attached complaint.
Product: Money transfer, virtual currency, or money service

I " sold '' a car through XXXX to a person who sent me a check for {$20000.00} dollars. I presented the check to an officer of the bank ( Chase ) and asked him to verify the check for me before I deposit it as it was for a lot of money. Without even looking up from his desk he told me to just deposit it and see what happens. As per his advice, I did that. The following day the person who sent me the check informed me that the check had an overpayment of {$2400.00}, which it did, and asked me when the check clears to XXXX him the {$2400.00}. The following day Chase had placed the {$20000.00} in my account and indicated that it cleared. I then sent him 2 XXXX payments, one for {$2000.00} and another for {$400.00} to make up for the overpayment. A few days after that Chase took out the {$20000.00} from my account indicating that the check was a fraudulent check. I was out the {$2400.00} I sent the scammer. 
I feel that Chase failed on several levels. Firstly, the bank officer failed to verify the validity of the check when asked by me. They ( He ) could have called the bank that the check was issued from to see if it was real. Secondly, Chase should not have cleared the money into my account making me believe that the deposit was a good one. I would never have returned the {$2400.00} to the scammer if the money was not in my account. I contacted the bank ( Chase ) several times and they deny any responsibility. I'd like my {$2400.00} returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate/ unauthorized fraud items on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE Bank Credit Cards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these inquires on my credit report. i will asked for them to be removed and the bureaus did not do as i asked. I am providing a Identity theft report attached to this because they are inaccurate and not mine.
Product: Debt collection

Recently checked my credit report and noticed 3 debt items from Vance Huffman for XXXX XXXX totaling over {$9000.00}. Despite my address being accurately reported by all three credit reporting agencies, this company never sent me notification of the debt nor did they ever provide me with written notification of my right to dispute the debt and/or request validation and verification. Furthermore, this debt was previously held by XXXX XXXX XXXX which I disputed and the original creditor agreed that this was not my debt and removed it from all credit reports. This is the second time this debt has appeared on my credit reports under different names. Again, this is not my debt and the collection agency never informed me of the same nor allowed me my legal opportunity to dispute it.
Product: Checking or savings account

My card was compromised and they would only give me part of the money back even though I was not the one that made the charges!!
Product: Debt collection

LVNV FUNDING LLC # XXXX ( c/o ) resurgent capital services XXXX XXXX XXXX XXXX SC XXXX XXXX Im disputing this debt due to the law of 15usc1692cc clearly states ; if a consumer notifies a debt collector and refuses to pay, the drbt collector must cease all communications.
Product: Credit reporting or other personal consumer reports

I took out loan from Navy Federal Credit Union and decided not to pursue purchase of a vehicle so called and canceled the loan with them. Everything was cleared up. Later I requested that they remove the open account from my credit report that showed a new open account in the amount of XXXX dollars. As of today 's date no action has been taken to restore my credit.
Product: Vehicle loan or lease

In XX/XX/XXXX I financed a vehicle with Carhop, I was XXXX young and XXXX I needed a car fast, so I went to carhop. I put a XXXX dollar down payment on a vehicle. I financed the vehicle for XXXX with XXXX miles and XXXX a week also is XXXX a month the vehicle was a XXXX XXXX XXXX but strongly looks like a XXXX model. I was not able to choose the vehicle I wanted, they had to choose for me .Not to mention they had me test drive two vehicles and one of them was a XXXX XXXX  and the check engine light was on. so I went with the " XXXX '' XXXX XXXX ( not like I had a choice ) Let me start off by saying when I purchased this car it wasnt even the original car key it was a copy key that they gave me! So the first week I had this issue my car did not start. Now when I purchased the car I was told that I had a warrenty and I have proof of that documentation as well and they were telling me I had to solve that issue on my own, so I called the XXXX  and sure enough they were on it. Then a week after that they told me the car was all set but then broke down a few days later, they had a fellow in XXXX take a look at it and said it was the " fuel pump '' fast foward to a couple weeks after that issue was resolved. My prom night, I was left stranded because my car did not start YET AGAIN. THEN, when I threatened them with the XXXX  and a lawyer they magically found a resolution to start my car. Because it was a ghetto copy key and not the original key I had to turn the key in second position and wait 15 minutes before starting my car again because they KNEW it was a security issue from not having the original key, and the original key contains the chip. I had to do this everytime I started my car. They stated that the security system is causing my car to not start. I got sick of putting money into this junk and let them reposes it. When they reposessed it, the vehicle was not running. Turns out they sold the car for like XXXX dollars, XXXXXXXX XXXX XXXX  value wasnt even worth the amount they were trying to sell it to me for. A few months after purcahsing the car that carhop in Rhode Island was shut down because of the lemons they were selling to consumers, and they were being sued. They sold me a lemon and up until now I felt so powerless I had no Idea who to go to, who to speak to about this. They lied about reporting my payments to the credit bureau and left me with a XXXX lemon debt on my credit report. After reading hundreds and hundreds of consumer reports online, I cant even think to believe how this corrupt company is still in buissness.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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: Credit card or prepaid card

I have an account with Grain Technology and I reached out to the company back on XX/XX/XXXX and havent gotten a response. Ive sent about six emails since then and havent heard anything. I tried calling the company which you cant speak with a representative as well as it tells you to go online and submit a ticket. My payment was due on XX/XX/XXXX and I havent been able to login to my account. Ive called this number XXXX many times. No option to speak to anyone. 

I did forgot password and never received an email to change my password. Ive never been late or missed a payment and Im very concerned because this can effect my credit. I done a search on how to reach out to someone from this company and nothing. I need help! This is not how a business should operate. Please advise.
Product: Checking or savings account

I have signed up for paperless communication with XXXX. They sent me a mail notification that they required SSA-89 form. Since I missed that physical mail, my checking account was restricted on XX/XX/XXXX and all my credit card accounts with the bank were closed ( including 1 card which I had opened 2 months back where they charged me a XXXX $ annual fee ). 

On XXXX, I went into the branch and submitted the requested documents with a banker. At the same time, I kept calling the bank to lift the restrictions and process the submitted documents. After several calls, I am told that the documents were actually submitted to the concerned team on the XXXX of XXXX, even though I submitted the documents on the XXXX, and that it would take XXXX business days for the team to review those documents. Meanwhile both my wife and I have our salary deposited into that account but we can not access our money or pay our bills. 

I call them again on XX/XX/XXXX and learn that there was a signature page missing in the documents that I submitted and that my account will now be closed because the deadline to get the account re-opened was XXXX XXXX. No one reached out to me telling me that they needed more documents. They instead decided to keep my money and blocked all my transactions. 

This ordeal has caused significant mental harassment for both me and my wife. we have had to call all the places this account was linked for bill pay ( other credit cards, utilities, etc. ) and will have to pay significant fees across all of them. I am yet to receive a resolution and Chase continues to hold my money in an account that I can not access. 

I have been banking with them as my primary checking account since 2017 and my wife is also a joint account holder. No documents were requested from her and she was caught in this for no fault of her own. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Cash app is becoming way too problematic. Servers are down often and Im inconvenienced. Now Im waiting for a pending charge to fall off that Ive cleared by the merchant, at cash apps request. Cash app just holds on to funds at this point and I need my money- no matter how little. If the merchant has released the funds, cash app needs to as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ex-Husband opened this account, and I did not sign any contract or documents condoning my approval as Joint on that card. I was never issued a card, back in XXXX I contacted Chase to have me removed but they said I was responsible for this account. I requested proof of my signature but they never provided it. In XXXX, I sent and spoke with their representative to again be taken off the account. They asked questions that I did not know because I never had a card and my ex-husband had been divorced for 8 years. This account is closed but has a balance that is affecting my credit score and has been. I should not be in this account after providing divorce proof and no cards issued to me even after the divorce. I am stuck with this situation, because I was told it says closed on my report but open on his with a 3K plus balance, I closed the account because I did not want him to charge anything else and it seems they opened it back for him. They should have made him transfer that balance to another card or pay it off. I am not responsible for this spending. This account was open I guess in XXXX and I was on XXXX. Please resolve this matter, thank you.
Product: Debt collection

there claiming a breach on rental lease and that i owe XXXX that the origianal amount is XXXX and the dates are wrong i disputed no responce from them but credit bureau said they certified accurate but wont send information used to validate.
Product: Debt collection

I received a message on my voicemail that this company was " tracking '' me urgently. They stated since they left me that message they were legally allowed to contact any and all parties associated to me. 

That same day my dad and a family friend started receiving multiple calls of this company attempting to urgently track my whereabouts. 

Today I returned the call and they asked me to verify my information but would not disclose the name of their company or what their call was in regards to. They hung up on me when I pressed for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two credit card inquiries  from banks ( XXXX XXXX and JP Morgan Chase ) that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.
Product: Debt collection

Company responded it sent a PDF response to my prior complaint. 
The information on CFPB site is not complete. 
The " PDF '' doesnt pull up ~ also did they close ALL the cards, again I can not log in. 
I want the details for what cards were closed. 
And it states " monetary relief ''. I dont need monetary relief. This better not affect my credit, I just want them to reverse the interest not owed.