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

PLEASE NOTE THIS IS NOT A DUPLICATE. I HAVE INCLUDED LAW FROM THE DISTRICT OF COLUMBIA TO BACK MY CLAIMS On XX/XX/XXXX my XXXX XXXX XXXX was repossessed in front of my home. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial should have sent a notice to me or my last known address 10 days prior to repossession. I XXXX XXXX, can confirm that no letter was received 10 days prior to repossessing my personal property. This is a violation of consumer rights and constitutes unfair trade practices. To further no notices prior to repossession was received as required by UCC 9. 

To add to this complaint, after paying the required amount of XXXX to retain my vehicle and cure the alleged debt, Prestige has stated that my account did not cure and remains in a recovery status as if payment was not received or applied properly to the account. This gives reason to believe there may be a billing error pursuant to 15 USC 1666d. I also do not receive monthly statements anymore for this account nor do I have access to the online portal. In addition I just received a notice of redemption letter for an additional XXXX dollars that is due by XX/XX/XXXX or my vehicle would be repossessed again. 

Prestige Financial shared my NON PUBLIC personal information with a third party to the retail installment sales contract ( XXXX ). The XXXX only includes myself, the dealership, and assignee Prestige Financial Services Inc. Since there is a binding arbitration agreement, this dispute should have been settled in arbitration prior to the company taking any actions.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered XXXX 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!
Product: Debt collection

I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.
Product: Credit reporting or other personal consumer reports

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

In XXXX of 2021, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX Account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about violation as of today. Thank you
Product: Debt collection

In XXXX XXXX, I pulled a copy of my XXXX, XXXX, and XXXX credit reports and noticed that there was a judgment listed in the amount of {$1700.00} ( Case # XXXX ) that was filed in XXXX County, Georgia. I disputed the debt, and it came back verified. I contacted the XXXX County court via certified mail and asked for the judgment to be set aside per I unaware any court date regarding this matter that the XXXX states that I did not show for, nor was I aware that a XXXX judgment had been granted against me. Furthermore, I was not provided with the debt verification that I requested, which the XXXX acknowledges as receiving in the attached documents. This judgment shows on my credit reports as being granted in XXXX, of which time I was a resident of XXXX County, not XXXX County. The plaintiff responded to my XXXX to set aside and asked that my request be denied. On Wednesday, XXXX XXXX, XXXX, I received a " XXXX '' in the mail from XXXX, claiming an amount of {$2400.00}, plus the XXXX cost of {$51.00}. I have not heard from this company regarding this alleged debt until I contact the XXXX County Court asking for them to set aside the judgment after I noticed it on my credit reports. Also, I have not received the debt verification that I initially requested showing that this alleged debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries from XXXXXXXX XXXX XXXX I didnt authorize. I have one from credit plus I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX  {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 daysXXXX XXXX XXXX XXXX  Incorrect Personal Information :. Former : XXXX XXXXXXXX XXXX XXXX XXXX  Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Checking or savings account

On XX/XX/2019 I deposited XXXX dlares inside a Bank of America ATM the ATM had an error it chew up my money did not processed my money in I did not receive the slip summary of my deposit but only a receipt with a number to call I went inside the bank to look for someone to help me I was inside the branch for about 1 hour they even helped to call the claim department but nothing was successful the claim department told me they would credit my account later with the XXXX dollars so Bank of America actually did credit my XXXX 2 weeks later I thought everything was fine but 45 days later I was checking my online banking and they had my account minus XXXX I called them and they said that they never found extra XXXX dlares in that ATM they have overdraft my bank account now I cant use my account I cant deposit money they want me to pay the XXXX back to them I have been calling this people everyday spoke with they claims department everyday they said my claim is close already I told them I was going to tell my local News who help the community consumer complains to make this publish and help me thats how I make them to reopen my claim again I told Bank of America to check the footage of the ATM vdeo record they refusing to do it the last thing they said was they couldnt find any footage how come in 2019 there is no way for Bank of America to obtain a footage of your ATMs I know Im not crazy and I know for sure if the check the cameras they would show up Me making a deposit on XX/XX/XXXX Getting the lil slip with a number to call because it was a error with the ATM XXXX 
please I need some help thank for reading do not trust Bank of America
Product: Credit reporting or other personal consumer reports

SO FAR THEY CLAIM IS ACCURATE BUT IT NOT MY ADDRESS NOR MY NAME I HAVE NOT BEEN SHOWN ANY DOCUMENTS I WENT TO THE LOCATION IN THE RENTAL ONCE IN XXXX IT WAS UNDER CONTRUCTION, THEN AGAIN IN XX/XX/XXXX IT WAS SOLD AND RENAME AND THEN AGAIN IN XX/XX/XXXX SOLD REMAIN AGAIN AND GIVEN A NUMBER TO CALL AND WAS TOLD MY ACCOUNT WAS closed and sold to a creditor but not thr original in which all my information was wrong such as address and last name and which i have also wrote and told all credit bureaus both primary and secondary my one and true name is ( XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX XXXX phone is XXXX XXXX XXXX only employer is XXXX XXXX XXXX XXXX XXXX ) i call and mailed
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also XXXX and Equifax are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason Equifax removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only XXXX removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts listed on my credit report that I did not authorize and do not recognize. These accounts were most likely opened fraudulently as a result of a data breach in which my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute and have incorrect or fraudulent information removed from my credit report.

The accounts in question appear to be the result of identity theft, and I am requesting their immediate deletion from my credit report. The following details pertain to the fraudulent accounts : XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX and XXXX XXXX Inquired on 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  Account Number XXXX {$670.00} Account Name XXXX XXXX  Account Number XXXX {$900.00} Account Name XXXX XXXX XXXX XXXX  Account Number XXXX {$440.00} Account Name XXXX Account Number XXXX {$570.00} Account Name XXXX XXXX XXXX Account Number XXXX {$40.00} Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX {$99.00} Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX {$550.00} XXXX  XXXX Account Number XXXX Account Type Credit card {$440.00} Account Name XXXX  XXXX Account Number XXXX {$160.00} Account Name AFFIRM INC Account Number XXXX {$170.00} I have taken steps to report the identity theft to the appropriate authorities, filed report with FTC. In addition, I have placed a fraud alert on my credit file and will be monitoring my accounts to prevent further unauthorized activity. 

Please investigate these remove any information related to them from my credit report. My information was exposed in the databreach. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!
Product: Payday loan, title loan, personal loan, or advance loan

I engaged XXXX XXXX for marketing services using AFFIRM to pay for it because AFFIRM offered a promise that if I didn't receive what was promised I would not be responsible for it. In the marketing services XXXX XXXX was supposed to provide this was was for professional videos, full marketing support, and website development. They provided none of this and constantly had excuses for delays and problems on their end. I have disputed this with AFFIRM and AFFIRM refuses to honor their dispute process as this was fraud from XXXX XXXX. XXXX XXXX has not provided the services I paid for and therefore if they won't refund it AFFIRM should be stepping in to assist.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform l, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant and inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Bank account or service

On XXXX/XXXX/15 a direct deposit was made by ACH using a link to fund my account at Scottstrade Bank. 

A few days later a request was made for the sender to provide a statement of account sending funds, the sender who was paying me refused on privacy grounds. 

No fraud has been found, the sender did not request his money back. 

It is now XXXX/XXXX/15 and the bank refuses to release funds without statement disclosure by sender. 

The link was made by getting the routing number and account number and the sender providing the verify code of {$1.00} in XXXX deposits [ ie cents totalling {$1.00} XXXX The bank closed my account without stating why. So i requested my money which i had been paid for previously by the direct deposit. 

Can they do this after this ammount of time and state it is undetermined when i will receive my funds upon account closure.
Product: Student loan

I am under XXXX, but on XX/XX/XXXX, I also applied for XXXX XXXX XXXX forgiveness. On this application, I specifically checked the box to not put my loans into forbearance while the application is being processed. However, in XX/XX/XXXX, my loans were placed into a forbearance until XXXX/XXXX/XXXX. I called XX/XX/XXXX, twice in XXXX, and once in XXXX to have the forbearance taken off, but it is still on. Also, my payments made while on this forbearance are not counting towards XXXX. The XXXX XXXX  pause month did not count towards XXXX ( when all prior months for the 3 years of that pause did count ) and my actual payments made in XXXX and XXXX are also not counting. I only have XXXX XXXX payments left, including these three, so I'm planning on applying for forgiveness after my XX/XX/XXXX payment. However, I can't until Mohela takes off the forbearance I specifically did not want or request and goes back to count the XXXX pause and XXXX and XXXX payments. Everytime I call, I have to wait 2 to 3 hours only to be told that they'll put in the request and it'll take a few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to get items removed off my credit report that's affecting my XXXX XXXX