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

CONTACTED COMPANY MULTIPLE TIMES TO FIX CAR WAS REPOED. CAR SHOULDNT HAVE BEEN REPOED BECAUSE WAS GIVEN A COUPON FROM CAR DEALER TO CHANGE DUE DATE OUT A MONTH BEFORE IT WAS DUE. ORIGINALLY THOUGH PAYMENT WAS DUE XX/XX/20. WAS TOLD FROM REP IT WAS XXXX. I SAID I DONT HAVE IT RIGHT NOW TO PAY I HAVE THE FREE MONTH TO MOVE IT OUT A MONTH. WAS TOLD I COULDNT USE IT AND I HAD TO MAKE A PAYMENT. THE CAR WAS REPOED FROM MY BROTHER IN XXXX. MY BROTHER LOST MY KEYS. I PAID THEM OVER XXXX I HAVE ATTACHED THE RECIPETS. WHEN I MADE THE PAYMENT I WAS TOLD THAT THE ENTIRE BALANCE WOULD BE APPLIED BECAUSE CAR HAD BEEN TRANSFERED TO AUCTION. THE ENTIRE BALANCE WASNT BECAUSE BEING TOLD THE DIDNT GET THE XXXX OF THE XXXX. WAS TOLD THEY WOULD INVESTIGATE AND WOULD CALL ME BACK. CALLED AGAIN AND WAS TOLD THEY WOULD APPLY THE COVID 19 90 DAY EXTENSION UNTIL SOMEONE WOULD CALL ME BACK. NO ONE CALLED ME BACK. EXTENSION WASNT APPLIED. WAS SENT A LETTER IN THE MAIL THAT THEY WOULD REPO THE CAR XX/XX/XXXX. I DONT HAVE THE CAR THE CAR IS STILL AT THE AUCTION OR WHEREVER THEY MOVED THE CAR TO I DONT KNOW NOT I DO NOT HAVE THE CAR AT THIS TIME OR THE KEY.
Product: Debt collection

I opened a XXXX/ XXXX XXXX XXXX credit card account in XX/XX/XXXX. There was no interest rates due that I was told. I was making timely payments on account until they XXXX XXXX on balance on account and never credit payments towards account. I have been disputing off and on since XX/XX/XXXX and XX/XX/XXXX now XX/XX/XXXX. I have sent proof of a letter from Sams Club crediting my account in the amount of {$770.00}. This is admitting they made a mistske on account. Otherwise they would never have credit my account. I also have a letter on the interest rates. They have made my credit XXXX by reporting a false report on my credit report. I am not able to get or do anything for three years. I need them to either correct my account or take their name off my credit report. 
I also have a Walmart credit card by same bank. I have been making my payments on Walmart since I opened in XX/XX/XXXX never late. So this shows proof I do pay my bills. This company is violating the fair credit reporting act by reporting an account where XXXX XXXX XXXX have no paperwork to show the account. 
I declare under penalty of perjury under the laws of the state of California that the above is true and correct of my own knowledge. God Bless Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request.

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim.

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers.

I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages. 

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud.

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. After carefully reviewing my credit profile I've noticed multiple fraudulent and inaccurate accounts showing on my credit report. I would like all accounts removed and deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act, the account : XXXX Bank XXXX XXXX XXXX, number : XXXX, has violated my rights. 
15 U.S.C 1681 Srction 602 A. states I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Its 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 sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report XX/XX/XXXX and against XX/XX/XXXX. Each time I was told my information does not match their records. Each time I submitted copies of my identification. I used third party websites to view my report. Personal details were incorrect. The credit bureau listed me as male. There is a public record bankruptcy on the report. There are several inquiries I did not authorize. I have been in dispute with this bureau since XX/XX/XXXX. I disputed information reported by XXXX XXXX   online by the link provided by XXXX XXXX in XX/XX/XXXX. The credit bureau said the information was verified and would not be removed. I sent a dispute to XXXX XXXX by certified mail to the address reported by the credit bureau to XXXX XXXX XX/XX/XXXX. The mail was returned undelivered, unable to forward. I have requested all the addresses which are undeliverable to me be deleted from my report. I have asked that all names other than the one on my ID be deleted. I have asked that my employer is corrected. The credit bureau has not provided any documentation verifying any of the questioned items are mine. I was told by the credit bureau in XX/XX/XXXX, the bankruptcy was confirmed by XXXX. My file was suppressed by XXXX in XX/XX/XXXX. The credit bureau finally provided a copy of my credit report. However, inaccurate information is still shown on the report. Equifax is the reporting bureau. I received a letter from XXXX XXXX XXXX, saying my credit line was decreased due to a significant decrease in credit score. The information received was reported by Equifax. I contacted the Bankruptcy Court. I have attached the letter received from the Court.
Product: Credit reporting or other personal consumer reports

1 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : TRANUNION 2 ) Date of Fraudulent Activity : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX Reporting Agency : TRANSUNION 3 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX  Reporting Agency : TRANSUNION 4 ) Date of Incident : XX/XX/2024 Incident Type : FRAUDULENT/UNAUTHORIZED INQUIRY Business Name : XXXX XXXX XXXX XXXX Reporting Agency : XXXX
Product: Debt collection

The judgement took place in XXXX, they are unable to provide any proof of the debt and the debt has been sold to at least 4 other collections companies. I want to dispute but Im not sure how. The company that started the lawsuit is listed as Nadler and associates XXXX. The debt maybe in as many as 3 different offices, with no proof of debt. I know I do not owe over XXXX for a card I had in XXXX
Product: Credit reporting

Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.
Product: Credit reporting or other personal consumer reports

I went to check my credit report and it stated I have some unauthorized and unverified inquiries on my report that I didnt make myself. They were from 2 credit bureaus ; XXXX XXXX XXXX. XXXX was a Citi Bank inquiry from XX/XX/XXXX & the XXXX was another inquiry made via XXXX XXXX on XX/XX/XXXX both of which I dont have any open accounts with. Ive called each of the banks to get this problem solved and nobody was able to assist any of the several times I called. Either I was talking to a computer, a person with a strong dialect that I couldnt understand, or just people redirecting me to more people who couldnt help me after being on hold for hours at a time.
Product: Debt collection

This debt is for an electric bill for a house which I sold on XX/XX/2018. I contacted XXXX and had our power transferred to the new house on the day of closing. XXXX turned on the power at the new house but apparently failed to shut off the power at the old house. The person who bought the house just kept on using the " free '' power XXXX was providing. I was completely unaware until I received a bill from XXXX for the month of XXXX for the house which I sold in early XXXX. I contacted XXXX and they then turned off the power to the house which I had sold. I did my part and had the power transferred on the day of closing while I was still at the title company to sign the house over to the new owner. XXXX did only half of their job and now wants me to pay for their neglect. XXXX seems to think I should pay for their employees ' incompetence. XXXX turned this false debt over to IC System, a collection agency. This false debt has already been removed from my credit report once before, after being investigated by XXXX XXXX. Now IC System has now put it back on my credit report.
Product: Debt collection

Portfolio recovery the creditor accepted payment in lieu of deletion. Once they took payment out they promised to delete this account but have not complied with their promise. BESIDES THIS ACCOUNT IS OVER 7 YEARS OLD AND HAS PASSED A STATUTE OF LIMITATION, AND I WAS ONLY THE AUTHORIZED USER ON THIS ACCOUNT BUT THEY FORCED ME TO PAY THREATENED LEGAL ACTION AND JAIL IF I DIDN'T PAY NOW THEY ARE IGNORING MY CALLS, LETTERS AND ALL REQUESTS TO HAVE THEM COMPLY AND REMOVE THIS FROM MY CREDIT REPORT
Product: Debt collection

I was on a vacation in XXXX on XX/XX/2018. When i checked in to the hotel they offered me free upgrade if i attend a Timeshare presentation for 90minutes. I attended the presentation and they were selling vacation packages. From the different packages i chose the cheapest one that best fits my budget. the packages was about {$6000.00} i was told to make monthly payments of {$160.00} for 36 months. I get 2 weeks free Presidential Suite every year for the next 25years at a resort of my choice anywhere around the world they gave me a booklet and a website where i can choose the hotels from. In addition i will get {$3000.00} virtual credit that i can use for massages and free breakfast at hotels that i stay at plus 20 % or more discounts on other days througout the year if i choose to travel. I asked them whats the catch? They said none. By signing up for Timeshare you get all this. I asked when can i cancel? They said within 90days before the contract takes affect. With a {$760.00} penalty which is their application fee. Paid upfront upon sign up. I went ahead and signed up. Provided my SS # address etc. i come back home to the united States and read online about XXXX XXXX XXXX XXXX XXXX. And many people said its a fraud or scam. Some said its true and it works if you travel more frequently. So 2 weeks later i called them to cancel it in XX/XX/2018. becacuse i am from a poor class family and i dont make that much money to travel every year. After numerous emails and phone calls they finally cancelled it. However now i keep getting phone calls to pay the monthly payment of {$160.00}. I keep telling them i cancelled it. I even have emails from the manager of the Timeshare. And yet they are saying the account will stay actice. And if i dont make monthly payments my loan will default and will be reported on my credit as Deliquent payments. I have proof of cancellation and over 50 emails i Exchanged about the cancellation. I do not want this charges to reflect on my credit. Please assist and if you see any charges from XXXX XXXX or Concord services should not be counted against me.
Product: Checking or savings account

Yesterday i tried using Afterpay for the first time since my fianc has used it in the past. I had an XXXX dollar spending limit to use at stores. I was going to use the full XXXX on XXXX  as i submitted the order something happened and took me back to the home page. Mind you when i went to put the order in on XXXX i made sure to log into my XXXX account so my shipping address etc would be there. Anyways when i submitted it it brought me back to Afterpay home page, i received an email stating my order for XXXX was approved i was charged my XXXX out of XXXX payments of XXXX dollars. So i refreshed my email and never got a order confirmation from XXXX. I went back to my XXXX XXXX and everything i tried ordering was still in my cart, first indication the order did not go through. Ive reached out to after pay Ive been waiting over 24 hours for a response this company doesnt have a phone number for customer support you have to do it via chat through their app. I finally got fed up and messaged them on XXXX. They told me to call XXXX again i called XXXX XXXX times and each time they told me NO ORDER WENT THROUGH lastly the order i tried placing was XXXX items and on after pay shows XXXX items so something right there has just been messed up. So how can this company start charging me for an order that was never placed and confirmed last order was placed in XXXX not XXXX. Afterpay is real sketchy and i want my XXXX XXXX money back.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Credit card

XX/XX/XXXX : Contract Signed with XXXXXXXX XXXX for XXXX replacement. Simplified application for contractor credit was filled. There were no specific financial agencies indicated on form. No Synchrony Credit Card Application was signed, no Terms of Agreement presented by XXXX XXXX  to me, ever. 

XX/XX/XXXX Received XXXX way call with XXXX XXXX, including rep from Synchrony. The call was to confirm a credit line request increase to {$35000.00}, but declined per rep during call. After the call, I believed that no financing had been extended. I have text message screen shots show multiple attempts on financing clarification from XXXX XXXX on that same day. Again, no Synchrony contract was signed by me for a Line of Credit. I was unaware that actual credit line was extended to me. This same day Synchrony released {$22000.00} to XXXX XXXX. 

XX/XX/XXXX I made {$270.00} payment to Synchrony on Home Design account after noting it on Synchrony website. This was a good faith payment. 
XXXX as I was still unaware that XXXX XXXX  had not paid at least XXXX subcontractor and no permit was open for project. 
XX/XX/XXXX XX/XX/XXXX Escalated to Synchrony a fraud claim. After non-progress on roofing progress, rapid decline in communication with XXXX XXXX, lack of permit through XXXX XXXX XXXXXXXX XXXX Issued, wrong materials and having an exposed roof for over XXXX month. Evidence of fraud was submitted through Synchrony 's Website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, along with a least one statement that emails may have been redirected from me from Synchrony. After I XXXX research, I asked Synchrony Fraud department if Synchrony Transact was the platform that was used for this account and that was confirmed by their Rep. Should be a recorded call. This platform relies on email confirmation of generated sales receipt and/or final completion of project to be signed off by card holder prior to releasing of funds. This was never done. 

XX/XX/XXXX, XXXX was given by XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Explained in length to XXXX XXXX XXXX that materials that were provided were incorrect per contract, however having roof installed was of paramount importance. 

XX/XX/XXXX Requested discussion with XXXX XXXX by email and text. 

XX/XX/XXXX XXXX was completed by XXXX XXXX XXXX. Outstanding contractual issue remain : Wrong product installation, trash remained on property, solar panels not re-installed. 

XX/XX/XXXX. City Inspector on property, but no Contractor presence, no ladder up and trash remained on property. Notified XXXX XXXX that Inspector came and left. 

XX/XX/XXXX : Synchrony sent email, denying claim. Reopened second fraud claim. 

XX/XX/XXXX : The roofing project is not completed per contract, permit is still open and solar panels are not re-installed. As much as there are issues with the contractor, the issue remains of improper financing without disclosure or contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )
Product: Student loan

I have been paying this loan for 13 years it hasnt gone down its still the same and my interest rate was a lil high I recently called them .they said that I owe XXXX and they can reduce it to XXXX so they where also threatening me if I dont pay it will go to collections and they could garnish my wages so I took money out of my retirement to pay that off. then out of no where they said I owe for another loan thats XXXX I try talking to them and they didnt want to help me and they keep sending me letters if I dont pay that they can take me to court and garnish my wages now with the Covid 19 theres still sending me threats to pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I submitted a dispute letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm contesting have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are obligated to delete any accounts and information included on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days from the date of receipt. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file since they were caused by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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