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

On XX/XX/XXXX, my negotiable instrument in the form of a check of {$20000.00} was tendered by Foursight Capital to settle the total payoff amount of the outstanding balance on the contract. The check was dishonored by Foursight Capital on XX/XX/XXXX. Now, the account has been charged off and is in repossession status. 

I have informed Foursight Capital 's accounting department by email on XX/XX/XXXX that while this account is currently in a dispute/billing error status, that no further late fees, collection agency reporting and repossession orders can continue until this dispute/billing error is resolved. 

I haven't received an email from the accounting department yet acknowledging my request. 

While speaking over the phone with the repossession department today, XX/XX/XXXX, the agent informed me that the only way to avoid any issues is to wire transfer the full payoff amount or surrender the vehicle. I was denied the request to speak to any other department that could further assist me in this situation. 

On XX/XX/XXXX, I mailed Foursight Capital the check, the current payoff quote from XX/XX/XXXX, a notarized affidavit stating that my Foursight Capital account was already paid in full, a notarized affidavit stating that all accounts are prepaid, a copy of my birth certificate to show proof as to who I am and instructions as to who to forward the check to if the agent is incompetent in handling this alleged debt. 

The only correspondence I received from them was another statement dated XX/XX/XXXX. 

Foursight Capital has never responded to or disproved my most recent affidavits or even fully satisfied my request to answer my debt validation letter from XX/XX/XXXX. 

Furthermore, the agent from the repossession department informed me that they will not return the check to me or any other mailings I've sent them in regards to this alleged debt.

How do I know that this alleged debt belongs to me or that my check wasn't in fact tendered and redeemed for the full amount and Foursight Capital is hoping that I will pay them again due to the fear of having my vehicle repossessed or credit ruined? 

I've requested to speak with the trustee, XXXX department, legal department or the CFO regarding this matter and I've been denied every time. 

I wish to have my check, affidavits, copy of my birth certificate and instructions for tendering and applying the check from XX/XX/XXXX returned to me so that I XXXX forward a packet to the IRS department in XXXX, UT as they will ultimately know how to apply this negotiable instrument to my account and to settle the alleged debt. 

On the other hand, I fully understand my consumer laws and the rights that I have concerning creditors and debt XXXX. If the check will not be returned to me, then it is to be understood that the debt is in fact settled, all threats of repossession should cease, the title of the vehicle should be mailed to me and all interest remaining on the account should be released to me, the principle, upon closing this account.
Product: Credit card or prepaid card

Someone went to BrandsMart and open an account in my name on the XXXX of XX/XX/2022. I was alerted by receiving a letter in the mail on the XXXX of XXXX from Synchrony Bank that they required more information to verify my identify. I immediately call them at the XXXX to informed them that I did not request any credit product. They informed me that they will close out the application. I then went to check my credit report to see if there were anything about this account on my report. I found that there was a credit card on my report that I did not authorize from a creditor name XXXX with the account # XXXX. I immediately contacted this company at XXXX to informed them that I have not applied for any credit with them. They informed me that someone did apply and was approved for {$5000.00} credit limit which {$3200.00} was used to purchase items from BrandsMart. I informed them that I did not purchase anything from BrandsMart or authorized anyone to purchase anything in my name. They informed me to contact BrandsMart because that is where the application came from. I went to BrandsMart and spoke to XXXX XXXX XXXX the General Manager, and he informed me that it was nothing he could do and that I need a subpoena for him to discuss anything about the account with me. I immediately went to file a police report for fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX After filing this report this report i then call XXXX again to informed them that I had filed a police report and that I will be seeking legal remedy if they don't remove this from there record and remove this account from my credit report. They informed me that they will mark it as a fraud account, and they will be contacting the three-credit bureau to remove it from my credit report and that I will be receiving a affidavit from them by mail within 5-7 days. I have not received anything from them or any removal from my credit report of this account. I do have the recording of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX  XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. 
Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 143 million people potentially impacted by the hacking/data loss at Equifax. As of this time, I have no idea what this will mean for me, but at the very least it will require an amount of additional time and personal effort. At worst, I will be much more likely to be a victim of fraud in the future. 

Until such time as a new and more secure system is developed for managing personal information and credit, I and the millions of other victims of this hack must live with its consequences, with virtually no measure available to us to have prevented it. This is the real crime -- that the consumer is rendered powerless to protect him or herself without incurring substantial costs. The remedies Equifax has offered are insufficient given the magnitude of the breach and potential consequences to its unwilling customers.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. this account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Debt collection

XXXX XXXX XXXX documents were sent XX/XX/2022, XX/XX/2022 and XX/XX/2022. I never received a response. I advised on XX/XX/2022 via US Certified Mail that the case was dismissed against the apartment complex and by law the debt was to be deleted. I never received a response. I also never received a response regarding the previous debt validation letters I sent and notice of intent to sue National Credit Systems for continuing to collect on a debt in which they could not provide proof of.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT A DUPLICATE!! In regards to previously submitted cfpb complaint id # XXXX ( which was closed due to concerns authorization ) .. I'm XXXX XXXX XXXX, attached is identifying documents. Drivers License, Social Security Number and letter sent from Transunion to my address. Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all. 

This was your response to my previous complaint # XXXX, which was closed with prejudice and the quoted response : Authorization needed STATUS Company responded there is an unauthorized third party on XXXXXXXX What does this mean? Who is the unauthorized party? And if unauthorized party is in regards to someone else, this further establishes my argument of Fraudulent Activity on my accounts, as well as Identity Theft. Someone needs to get in touch immediately to address my concerns with the information reporting in association with my transunion credit report File # XXXX!!!
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations. Please certify that all claims are true and accurate, complete, and timely reported.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, necessitates the elimination of any inaccurate accounts from my credit report. Can you please review the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates.
Product: Credit card or prepaid card

I noticed a credit card opened and closed in my name on my credit report. I have disputed this with XXXX  XX/XX/XXXX and on XX/XX/XXXX they said it was accurate and left it on my credit score. The company involved I can not contact because I do not have an account with them. Every time I try and call the automated system they ask for information that I do not have because it's not my account. It is a small charge but hurting my credit score. The account was unpaid but because I didn't set it up I never received any calls, emails, or letters letting me know it was delinquent. I would like this account removed please. The company involved is SYNCB/PPC, the account number on the report is XXXX. 
The account was opened on XX/XX/XXXX and closed XX/XX/XXXX according to XXXX. The account was " charged off ''. There number is XXXX. Appreciate any help you can give on this. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax stated in previous complaint that XXXX XXXX XXXX XXXX loan was updated as paid in full on my credit report on XX/XX/2023. Equifax has lied about updating my credit report to show that XXXX XXXX XXXX XXXX has been deleted or updated as paid in full. The Auto loan became part of my income {$19000.00} 1099-C and filed with the IRS. I will attach my previous complaint report and my recent Equifax credit report to this complaint.
Product: Mortgage

This complaint is being submitted against Quicken Loans. My husband had an existing mortgage with Quicken Loans and we signed a contract with a builder, XXXX XXXX, to build new construction XX/XX/XXXX. On this date we were pre-approved by Quicken for a new home loan on the home to be built. The first appraisal of the home was completed using the blue print specs of the home before construction began. 
The appraisal expires after 150 which would have been well before the completion of the build and our final walk through that was completed XX/XX/XXXX. 
Quicken loans did not initiate the new, required, updated appraisal until XX/XX/XXXX and the appraisal was not completed until XX/XX/XXXX which delayed the close date of our home. 
Our close date was initially scheduled for XX/XX/XXXX but the buyers allowed us to delay until XX/XX/XXXX due to the delay we were experiencing from Quicken which prevents us from moving into our new home. 
We still have not closed on the home and were given an " anticipated '' close date of XX/XX/XXXX, 3 weeks later than our original close date that we had been working with our builder and Quicken had agreed to. 
This delay has caused significant financial hardship to our family. We had to board our dog while we found temporary housing for my husband and I. We have everything we own in XXXX XXXX foot XXXX and a XXXX foot XXXX truck that are being housed on a friends property. We were initially told the delay would be through XX/XX/XXXX but was extended until XX/XX/XXXX most recently. This has caused additional time and expense adding up daily for everyday we are XXXX   due to their errors. 
Our account was initially being handled by a man named XXXX but was transferred to a woman named XXXX XX/XX/XXXX. The updated appraisal was ordered XX/XX/XXXX, this should have been initiated weeks or even months prior. I spoke with XXXX after our honeymoon XX/XX/2019 to ensure everything was lined up properly for a timely close to prevent this problem and nothing began moving forward until XXXX took over our file the same month we were scheduled to close. 
I have spoke to manager and a research team and no one at Quicken is willing to take responsibility for this error that is costing us XX/XX/XXXX of dollars by the time we finally are able to close and move into our new home. 
Estimated costs : temporary housing - average overnight stay locally {$80.00} per night x 21 days = {$1600.00} cost to board dog - {$25.00} daily x 21 days = {$520.00} cost of the XXXX {$75.00} daily + tax and mileage = {$1500.00} ( tax not calculated ) cost of second rental XXXX {$75.00} daily + tax and mileage = {$1500.00} XXXX tax not calculated ) total = {$5300.00} As you can see these expenses add up quickly and Quicken refused to reimburse us in anyway which is unfair and an unacceptable business practice. 
I have attached some the supporting documentation to substantiate this claim. 
Your attention and help with this matter is appreciated.
Product: Debt collection

The monthly payment was made, and the bank argued that was not paid and they charged late fees It was automatic payment from my bank and is schedule for the last or first day of the month XXXX payment was made on XX/XX/XXXX, XXXX payment was made on XX/XX/2020, and XXXX payment was made on XX/XX/XXXX, They argue that the payment for XXXX was not done. 
They have charged late fees for 4 months The payments has been done with out delay
Product: Mortgage

I contacted Chase again about either stopping all contact with me or about a mortgage. I spoke to XXXX who transferred my call to their XXXX dept. The XXXX dept refused to accommodate my XXXX and transferred my call to their abuse line because I had asked to be accommodated as a XXXX person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed a credit inquiry with the company known as XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me correspondence in writing informing me that the credit inquiries will be deleted based upon their reinvestigation. XXXX XXXX authorized Experian to delete the credit inquiries from my credit report. Experian wrote me a correspondence by mail also informing me of the inquiry deletion. However, as of XX/XX/XXXX, I logged into my Experian.com account and noticed that the credit inquires were not deleted from my credit file. I also have attached a copy of the letter that Experian maied me verifying that the inquiry from XXXX XXXX was deleted.
Product: Checking or savings account

I transferred money to one of my other bank accounts, but for some unknown reason, it was returned. After that, I couldn't log in to my account. I communicated with the bank, but they refused to adopt my proposed method to verify my account. My identity has already been verified through IRS video authentication, yet the bank doubts my identity and refuses to reactivate my account. This situation is extremely frustrating for me.
Product: Credit card or prepaid card

I was contacted by someone who claimed to be from Citi Card notifying me that my account was compromised. I provided information regarding my account thinking I was speaking to my credit card company, Citi Card. On XX/XX/21 I saw four fraudulent charges of {$600.00} made to my account by a merchant " XXXX XXXX XXXX. XXXX XXXX  ''. I immediately contacted my Citi Card, told them what happened, and submitted a fraud claim. 30 Days later, I was notified by Citi Card that I would be fully responsible for the fraudulent charges amounting to a total of {$2400.00} and that they would not help me recover any of it.
Product: Money transfer, virtual currency, or money service

A wire was sent from XXXX XXXX to a fraudulent account at Truist Bank. It appears from Truist that recoverable funds remain in the fraudulent account. To date we have requested ALL funds be returned to our XXXX XXXX account. Also, we have no response from Truist expect they admitted the account was suspicious and the account in frozen.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccurates and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting the assignment contract and a wet signature for debt validation Certified mail, and after more than 30 days, I was ignored. According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permissionXXXX XXXX XXXX DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. Our personal information isn't supposed to be shared by a third party. by law No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies. According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasn't able to comprehend why this happened on my credit report. I want you guys to help me to remove these late payment remarks that this company has listed here in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... " promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible.
Product: Debt collection

SYNCB/XXXX  is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2018
Product: Checking or savings account

On XX/XX/2019 at an XXXX XXXX XXXX store in XXXX, I put my card in to this XXXX Bank ATM trying to get out {$500.00} euros ( {$560.00} ). Put my pin in as normal and was met with an error : contact your bank message. No funds came out of the machine. Called them as soon as they were open the next day to get this cleared up. A few days go by and to my disbelief, no wrongdoing is found by either company and the investigation is then constantly opened and closed probably 5 times now with the same results : XXXX Bank getting away with stealing my money through an ATM error and claiming they did nothing wrong. I have been bringing this case to their attention through email with no luck of resolution. I am still to this day furious beyond comprehension at how this crooked bank can get away with stealing my money and face no consequences. XXXX  XXXX XXXX tells me Im FDIC insured for up to $ XXXX but wont cover {$560.00} for me despite having the burden of video proof and data from the ATM that should read an error occurred on that date and did not give out the money. Something needs to be done, this is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming me.
Product: Mortgage

Hi SPS informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that XXXX  had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents XXXX can only collect fees if they were the prevailing party. XXXX sold the loan to SPS. For many years XXXX never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for XXXX  AT THAT TIME WAS CONVICTED FOR FRAUD. XXXX CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither SPS OR XXXX   CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX