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

Exeter Finance repossessed the XXXX XXXX XXXX XXXX on XX/XX/XXXX around XXXX at night. They did not knock on my door to retrieve the keys. They did not allow for me to grab what little materials I had in the vehicle. The next day I get a call from Exeter Fiance saying that I owe on the vehicle. I said I'm sorry but I do not have the money to pay for it and either way it's already been picked up. The lady goes on the script of you signed a contract and are responsible for the remaining balance. I said again sorry but I will not be paying any more money to you guys. The car HAS TWO OPEN RECALLS ONE LEFT LOOSE AXLE. XXXX XXXX XXXXXXXX where the vehicle was purchased has failed to contact me regarding parts available to fix the vehicle. Exeter Finance keeps calling me saying I owe them money. I won't pay for something defected and plus I don't have a steady income. I always said I did XXXX. The sales " gentlemen '' pulled their strings lying to the finance company saying I still worked at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my Discover Card. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a Discover customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX  and XXXX  are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!
Product: Debt collection

I contacted Portfolio Recovery Associates, LLC to validate a mark on my credit profile that I did not have any clue about. Portfolio sends me a letter with and old bill from a XXXX XXXX account from 2013. I called the dispute department and explained that this account was settle with XXXX XXXX and asked if they could delete this from my credit. 
I was told that they did not have any record of me paying XXXX XXXX and I am responsible for a {$510.00} debt. Portfolio did offer to settle the debt for a smaller rate. I agreed to settle if the company would delete this from my credit profile. 
According to the representative this was going to happen. I did my part, but the company did not honor their portion. 
I already feel that I am paying for a debt that I took care of 5 years earlier. Now I feel that I just was robbed by this company.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries listed below are unauthorized and not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028a Keesler FCU 9-23
Product: Credit reporting or other personal consumer reports

After viewing my credit report for XXXX credit card, XXXX, there was a LATE PAYMENT which reports. 
LATE PAYMENTS are illegal to be reported per 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.

I do not receive statements 21 days before due date.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I was never given an option to OPT OUT. 
I hereby revoke XXXX XXXX XXXXXXXX XXXX from reporting information for the account mentioned to all credit reporting agencies. Again, XXXX XXXX XXXXXXXX XXXX  and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit has wrong information and XXXX more credit that the othe two Credit bureaus
Product: Checking or savings account

Reported fraud on XX/XX/XXXX. A {$1500.00} transfer was made to a XXXX   which I have no idea about. Also a {$76.00} charge for checks that usaa said was sent to some woman i have never heard of in another state. My account was credited these amounts in the following days. Since, i transferred money to my credit union account in the amounts of {$4900.00} and {$4900.00}. It was in my credit union account for over a week when USAA requested it back from my credit union? It was withdrawn on XX/XX/XXXX and as of today, USAA has not given me credit? Im out almost {$10000.00}!! Please help! Ive spoken to dozens of people at USAA and get a different story EVERY time! No one cares! I need this money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Safco ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to Safco when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what XXXX XXXX XXXX XXXX is. I've reached out directly to this company. I have two unauthorized inquiries ( XX/XX/2018, XX/XX/2018 ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX for XXXX XXXX and XXXX regarding a hard pulls that was done on my account that very day. XXXX XXXX listed XXXX  XXXX as requesting information/performing a hard pull and XXXX had listed : XXXX XXXX twice - once on Equifax, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX pulled my credit. 
I had called each of the 3 credit bureaus and placed a credit freeze on my account. I had spoken with XXXX on XX/XX/XXXX and was informed that I had fraud alert included with my subscription and a case would be created to look into each of the unauthorized request made on my account. On Monday XX/XX/XXXX I called XXXX and had to converse with a bot over text messaging. I was informed that a written letter would need to be sent to the company. I then called Equifax on XX/XX/XXXX and was told that a dispute would be placed however I would need to file a report with the FTC in order to have the hard pulls removed from my credit report. I contacted and spoke with the fraud/application department at each of the institutions who pulled my credit, all had informed me that a stop would be placed on the application and a fraud alert placed on it. Also, the company will be reporting fraud to the credit bureaus to have them remove the inquiries from my account.
Product: Checking or savings account

I used Capital One 's mobile deposit app to deposit a check on XX/XX/XXXX from XXXX XXXX XXXX. XX/XX/XXXX I received an email from Capital One that it was successful and the funds appeared in my account. I went to XXXX for a month to work. I returned on XX/XX/XXXX and happened to check my account and noticed the {$850.00} check from XXXX XXXX had been reversed. I did not notice any notification from Capital One that this had happened. I called to inquire why it was reversed and why I had not been notified that {$850.00} had been taken out of my account. They said I " should have received an email '' and I asked them to forward said email and they didn't have one. They said there was something wrong with the check and I'd have to contact XXXX XXXX. I asked why it said it was successful when there was something wrong with the check and they said they didn't know. I contacted XXXX XXXX who said they didn't have a phone number for this and I would have to send a message through their portal which I did. I heard nothing back, I contacted them XX/XX/XXXX to follow up and they said nobody had looked at it yet and they would expedite it. XX/XX/XXXX I still have not heard from them. I contacted Capital one XXXX times about this matter because I kept being told somebody would follow up and nobody ever did. Today XX/XX/XXXX was the last time contacting Capital one and he also couldnt " tell me why the check was reversed or why I hadn't been contacted, he just said he would create a case on it. Please help me get my {$850.00} back, I feel like Capital One has unfairly taken it out of my account and I will be closing said account this week.
Product: Credit reporting or other personal consumer reports

I am following up on my recent credit dispute and re-submitting my FTC report # XXXX for your attention. I am requesting assistance with the removal of the remaining inquiries on my XXXX and Equifax credit reports. The specific inquiries I am asking to be removed are as follows : XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I would appreciate an updated copy of my credit report, reflecting the removal of these inquiries, to be sent to the address I have provided.
Product: Credit card

I have a Citibank Mastercard. A charge was put on my credit card for 2 months of subscription from a company called XXXX XXXX XXXX. I was on XXXX XXXX  ordering physical things no problem. This company got a hold of my credit card information and charged me to subscription fees of {$54.00} each total {$100.00}. This started in XXXX. I called Citibank several times in XXXX, XXXX at least 15 times. They assured me I had nothing to worry about they were sending my complaint to their fraud and investigation department and the charge would be removed, .I called again they said they had closed my dispute in favor of the fraudulent company charge, They sent me 2-3 new credit cards so this company could not charge me any further. I dont have the charges to show you because they have removed it. I would call they would say it takes 90 days to investigate this charge I would call again they would say they would open a new dispute. On and on this went. In the mean time they said they would not charge me the {$100.00} they lied they have been withdrawing the money all along. I DID NOT RECEIVE ANYTHING NO SERVICE NO PRODUCT NOTHING. So I have now paid the {$100.00} and received NOTHING for it. I have argued and argued with them and they REFUSE to remove that charge. If this was a legit company I would receive SOMETHING would I not? They emailed me one time the name of the company. So I emailed them. They dont take phone calls they said email this address. The lady at the XXXX XXXX XXXX said she did not even know who I was! CITIBANK MC has lied to me over and over. I have NEVER had a cc company treat me this way they always remove the charge. I have never been told it takes 90 days and not listen to me at all, AGAIN why did I pay this XXXX when I NEVER received ANYTHING No service no product. I called MC again yesterday and canceled the credit card. They said that they had sent me documentation to some crazy email address that is not even mine. Ive had this credit card 16 years. This treatment is horrible and the fact they would not remove the {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/XXXX XXXXDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedSantander USA Consumer Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

As of XX/XX/21 my complaints have gone to a new level with Flagship Credit Acceptance. I sent a notice a demand letter to Flagship requesting medical hardship, in addition to an intent to sue for how they have handled my complaints.

Flagships legal department was supposed to reach out to me directly to handle this decision.

Instead of Flagship 's legal department reaching out to me, I was contacted by Ms. XXXX who is a supervisor. When I reached out to Ms. XXXX, regarding my concerns, she lied in her conversation to me about what I said. She stated that Flagship has filed a replevin in court. Even though Flagship Credit Acceptance hasn't filed a replevin through the courts.

This company continues to violate FDCPA violations and continues to be prejudice.
Product: Debt collection

I've had tried to contact XXXX XXXX XXXX, on numerous occasions concerning several debts in which I have no knowledge of. I have requested debt validation and/or contract agreements between XXXX XXXX XXXX and myself, but they have failed to provide them. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 


Sincerely,
Product: Credit reporting or other personal consumer reports

I recently came across an XXXX XXXX closed/charged off account that was disputed back in XX/XX/XXXX to company directly and the account was later removed from only my XXXX credit XXXX on XX/XX/XXXX, but it is still reporting on my Trans union as a open account which inaccurate and also on my XXXX credit profile as a negative account, this is a violation of my consumer rights, this inaccuracy has been harming my credit worthiness and I would like this account removed from both my Trans union and XXXX credit profile immediately because all 3 credit bureaus needs to reporting the same accurate information. 

Account Name : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 ) XXXX XXXX c/o XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXXXXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
Product: Vehicle loan or lease

I was a cosigner on an account with Ally Financial account # XXXX. This account was paid every month on time. When the lease was up the borrower returned the vehicle to XXXX XXXX on XX/XX/2021 ( see attached ). For some reason I am showing a balance owed on this account and that the account is currently in charge off status. I have tried to resolve this matter. I am not getting anywhere I hope you can help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these fraudulent items be removed promptly. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have XXXX  days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX  business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. 

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXk XXXX XXXX, City of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and  Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.