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

1. Purchased a XXXX XXXX on XX/XX/XXXX. There were numerous issues getting the car delivered and I ended up having to trailer it from XXXX Texas to XXXX XXXX at my own time and expense. 
2. the inspection was not properly performed by Carvana before delivery and this held up the registration for several months. 
3. We were short a key they told us was with the car and they agreed to provide one at no cost. 
4. XXXX dealer would not provide a key without a current registration. 
5. By the time we had a valid registration ( months of delays by Carvana ), Carvana and their captive warranty company - XXXX  - refused to pay for the key. 
6. They owe me {$1200.00} as a result. 
7. They are trying to claim that the 120 day warranty that comes with any new carvana purchase had expired. THIS WAS NOT A WARRANTY ITEM!!!! THEY REPRESENTED THE CAR HAD TWO KEYS AND THEY AGREED TO PROVIDE THEM!!!!! 

Most recent '' : They are claiming they contacted us in XXXX. However, when we tried to make good on their promise with the XXXX dealer in XXXX, they said Carvana/XXXX told them it was too late. They defrauded us on the sale of the car and are now insisting we continue to make payments even though they have not upheld their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action
Product: Credit reporting or other personal consumer reports

It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. 


The Privacy Act of 1974 in conjunction to above referenced U.S. Department of Justice Office of Privacy and Civil Liberties THE PRIVACY ACT OF 1974 5 U.S.C. 552a As Amended 552a. Records maintained on individuals ( a ) Definitions For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of Title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments und
Product: Debt collection

XXXX XXXX XXXX XXXX mi XXXX Discover XXXX : Request for Information on Account Dear discover Bank RepresentativesXXXX This letter is a formal request for information regarding the credit account with account number XXXX We require the following information for our records : Date of First Delinquency : Date of Last Payment : Date of Charge-Off ( if applicable ) : Date of Account Opening :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian credit burau XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Dispute of debt and request for validation I am writting regarding your recent communication concerning an alleged debt. I am disputing the validity of this debt under the fair debt collection practice Act ( FDCPA ) 15 U.S.C & 1692g, and I am requesting that you provide validation of the debt as required by law. 

Please provide the following information : 1. The name of the original creditor.

2. The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. Verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate i am legally obligated to pay this debt. 

Additionally, I request that you Cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt without proper validation will be considered a violation of the FDCPA, and I reserve the right to file a formal complaint with the consumer financial protection bureau ( CFPB ) and other relevant authorities. 

Please respond to this request in writting within 30 days from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion regarding my XXXX XXXX XXXX Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with TransUnion and they did not offer a function to include documentation proof. And I tried calling XXXX XXXX XXXX Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.
Product: Debt collection

It says on the lawsuit they had me served {$720.00}. XXXX and I have to appear in court. but no letters or anything. no phone number to contact the attorney on file for the company. XXXX XXXX. XXXX XXXX XXXX XXXX, Co XXXX court date XXXX XXXX. It gave me XXXX  and now i have to take XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not give any of these companies my permission to use my information. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received numerous phone calls from national recovery agency about a national grid bill owed for XXXX and I filed bankruptcy on this account XX/XX/year> I have told them this numerous of times and they just keep calling and sending letters
Product: Student loan

I recently checked my Credit Report and have requested that Navient provide me with documentation that this alledged item belongs to me. Navient calls my cell phone, yet I have told them to stop contacting me by phone and to contact me by mail only. I do not know why I must spend so many countless hours correcting this companies mistake. There are a lot of people out there that have my same name. 

Please see the attached documents that Navient sent back to me as my resubmission in accordince with their request for information. I have also attached a 2nd letter to which I have not gotten any response on. Both letters were sent Certfied Mail To Navient. Navient contiues to report inaccurate information that does not belong to me or on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit and was informed the creditor used an Experian credit report to make a determination. I signed into Experian 's website and attempted to request a credit report several times over a couple days and each time received a message stating they were having difficulties and were unable to support my request. So, I called a few times and attempted to make the request using the phone menu which resulted in instructions on how to make a web request. I followed the instructions and got similar results - no report request submitted. I called again and the phone menu choices offer no means of other support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do I still see this being reported by XXXX XXXX/Transunion when it is totally false. The account in question was sold to another company. It may the initial payment was held by the original lender. I have submitted payment history from XXXX and addressed this issue on various occasions and the record is still being displayed. IT IS WRONG. I have never been delinquent. What will it take to have it removed? 

Delinquent Account ( XX/XX/2018 ) Alert Type : Delinquent Account Processed Date : XX/XX/2018 Account number : XXXX Creditor 's Name : XXXX/XXXX Type of Industry : Miscellaneous Finance Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees
Product: Debt collection

I received a letter from Portfolio Recovery Associates, LLC a few months ago about a debt collection that doesn't belong to me. The name on the letter is XXXX XXXX. I have no knowledge of this person, nor this account. I did not receive any notification about disputing this account from this debt collection agency. I received a second letter on today, the letter is dated XX/XX/2018. I have contacted Portfolio Recovery Associates, LLC before about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Payday loan, title loan, or personal loan

my personal loan with one main financial was paid off early XXXX by mariner finance as I needed a slightly larger loan to do home improvements. I sat down with XXXX and called the XXXX XXXX one main financial office, and they faxed the current payoff to marnier. I then signed the loan paperwork with XXXX and XXXX hand delivered the payoff check that day to One main. I just received a bill from one main stating that although I made a large payment i 'm still expected to make my monthly payment and that I still owe {$1700.00} which is clearly impossibly, when I do the math though this would be the total interest I would have been charged if I took the loan with one full term. That is illegal you can not precharge a customer interest. IF the payoff they faxed mariner was not correct then that is on them, they have a responsibility to send a correct payoff at the customers request. This loan needs to marked paid as full, and I better not receive a late fee or incur anymore interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

The following companies are reporting incorrect information on 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 I have included a copy of my ftc report and ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account close in the year XXXX for XXXX and I notice the account reopened for XXXX on XX/XX/XXXX stating I owe money. I contact the bank and they stated, it was a mistake the account was closed in XXXX. The lady stated she did not see anything on her end about the account being open at XXXX. She only sees the account being closed in the year XXXX for XXXX. I contact Experian, XXXX, and XXXX to put in a dispute in XXXX with no changes and my credit usage is 181 % which is incorrect. The other credit score credit usage is 47 %. All my XXXX XXXX cards are closed and using XXXX XXXX to consolidate credit cards to a monthly payment. This is hindering me from applying for a loan on a house. Then Experian stated, don't worry about the credit usage being higher, however, it will not stop you from getting a house. I talk to a realtor she stated, Experian and XXXX XXXX XXXX are stopping me from purchasing a house. The credit usage is high and incorrect information on credit reports with open accounts that are closed.
Product: Credit reporting or other personal consumer reports

Open Date XX/XX/year> {$470.00} this This information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Negatively Reporting Remarks, Late Payments, and Closed Accounts To Whom It May Concern, I am writing to you in response to the recent settlements between TransUnion LLC and the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ). It has come to my attention that these settlements pertain to willful negligent practices, which directly impact consumers ' credit reports and financial well-being. 

As a consumer affected by TransUnion 's reported violations, I demand immediate action to rectify the negative impact on my credit report. Upon reviewing my credit report, I have identified several entries that are inaccurately reported, including but not limited to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, credit card usage for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX. XXXX. These entries are erroneous and have unjustly affected my creditworthiness. 

Considering the recent settlements with the FTC and CFPB, it is evident that TransUnion has engaged in practices that have unfairly harmed consumers. As per the Fair Credit Reporting Act ( FCRA ), I assert my rights to accurate and fair reporting of my credit information. 

Therefore, I demand that TransUnion promptly takes the necessary steps to : Remove all inaccurately reported negatively impacting remarks, late payments, and closed accounts from my credit report. 

Provide written confirmation once the removal process is completed. 

Failure to comply with this demand within a reasonable timeframe will leave me no choice but to pursue legal action to protect my rights under the FCRA. I am well aware of the rights afforded to me as a consumer, and I am prepared to take further steps to ensure fair and accurate reporting of my credit information. 

I expect a prompt and diligent response to this matter. Please acknowledge receipt of this letter within 15 days and provide a timeline for the resolution of the inaccuracies on my credit report. 

I appreciate your immediate attention to this serious matter and your compliance with the FCRA regulations. Please address all correspondence regarding this issue to the Principal address on file.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX BANK OF AMERICA. I made a report to identity theft.gov and submitted a report to you all XX/XX/year> and still nothing has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied to XXXX for an upcoming dental appointment, and they approved a credit line of {$2500.00}, the amount I requested. There is an account number I can provide if necessary. I had the XXXX appointment on XX/XX/XXXX. The dental office gave me a paper with a QR scan code with Care Credit. The offer was up to 24 months without a finance charge. I wanted to take advantage of this offer. Plus, I learned the cost had increased, and I now needed XXXX instead of the XXXX I initially asked for when I applied on the XXXX website. I called the customer service number listed for Care Credit on XX/XX/XXXX and spoke to a gentleman. I explained I had put the " cart before the horse '' by applying the day before. I needed a higher credit limit and wanted the no-finance charge offer. I asked if I could stop the pre-approved account and re-apply with the QR code from my dental appointment. I specifically asked if it would create an issue, and he said it wouldn't cause a problem ; he would cancel the pre-approved account, and I could re-apply immediately. Well, I've been re-applying ever since and keep getting denied. The reason on the denial letter states, " Your request was denied for the following reason ( s ) : Previous application approved. '' I've called multiple times and need help finding someone at Care Credit or Synchrony Bank, the finance company for Care Credit. The most recent phone call told me I was " given the incorrect information '' when I called on XX/XX/XXXX. The problem is, I need my orthodontics. Care Credit/Synchrony Bank is reporting I have a credit account, but when I call them, they can not find an account, and I do not have access to the credit. How can they report me as an open account without giving me access to the funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I had called TransUnion, XXXX, and XXXX  to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.
Product: Vehicle loan or lease

I called Wells Fargo customer service on Friday XX/XX/2023 at XXXX central time. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 1666B. As a long-time customer that has had an exceptional payment history with Wells Fargo . I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with Wells Fargo customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 

Wells Fargo is tarnishing my name and credit profile by reporting late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.