23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

SOMEONE, PLEASE READ AND INVESTIGATE THIS COMPANY!!! 

I used a home improvement company that uses Aqua Finance. Had I known, I never would have used that home improvement company. 

My credit limit was overextended ( I purchased doors and after making a few payments, purchased a sliding glass door ). No notification was sent stating I had exceeded my credit limit. Months later, I tried to do a debt consolidation and found out that Aqua Finance put a lien on my home. This was not known to me nor was it reflected in any paperwork that I signed through the home improvement company. I quickly obtained two other jobs to financially catch up and get back on track.

Aqua Finance charges both a regular APR rate ( shown on paper statement ) and a " daily finance charge '' that is only shown when paying online. However, when paying your bill, you are paying both an APR and a daily finance rate. 

To add insult to injury, I've sometimes made two payments in a month to get them quickly paid off and out of my hair. I called them XX/XX/year> when I didn't see the extra payment from XXXX applied on neither the paper statement nor online. I called them and was told information by two different reps. The first rep ( female ) said she will apply the second payment I made in XXXX to XXXX. It will look like I never made a payment and she would need to " send a form to in for me to request that the payment be applied to my account ... '' WAIT... ..WHAT?!?!?!? 

She muted the call and didn't come back on the line so I had to call again. I spoke to a different rep ( male ) who said that yes, he could see that I made two payments in XXXX, XXXX and XXXX but the payments would not be reflected in the dollar amount shown online nor on the statement. They could " only see it on their end ''. He said he would, again, send in a form requesting that the payments be reflected on my account. So in other words, if customers are going by their statements or the online amount shown and they have made double payments on some months, the amount paid will NEVER BE REFLECTED IN THE BALANCE. THE CUSTOMER WILL END UP OVERPAYING!!! I thought of all the double payments I made last year and wondered if my account has truly been paid off or the balance due is much, MUCH lower that what is reflected on the statement. Even if you overpay, I don't trust Aqua Finance to send a refund check. Moreover, why should I have to give permission for you to apply payments that I've made to my account? Should you not just post it correctly to reflect the payment made and the correct balance? 

Please, someone, investigate Aqua Finance. There are so many shady practices and how they are still in business is beyond my comprehension. I know I'm going to have issues with the final payoff and now I'm not sure if my balance is really {$5000.00}. I have a feeling that it is much lower but due to them adding fees and additional charges and not applying payments, how can you ever get away from a company so dirty in tactics?
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accou
nts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I ordered an Ergonomic Office Chair on XXXX XXXX Order # XXXX ) for {$320.00} and paid with my XXXX XXXX XXXX XXXX which is issued by Synchrony Bank. 
I contacted Synchrony on XX/XX/2020 to dispute this order and cancel it. 
The order was delivered but the wrong item arrived. I contacted XXXX and they provided me with a return authorization number. 
On XX/XX/2020 XXXX  XXXX picked up this chair ( Tracking # XXXX XXXX and delivered it to the retailer on XXXX. This package was signed for by : XXXX. 
I contacted XXXX to see when the credit would post to my card and they said it was credited on XX/XX/2020. 
On XX/XX/2020, XXXX weeks after I initiated a dispute with Synchrony regarding this credit, I was told by XXXX ( Custome service manager ) that I needed to show proof that the item was returned. On XX/XX/2020 I sent Synchrony a 10 page fax showing the return of this item to their fax # XXXX XXXX XXXX XXXX. I included my XXXX XXXX store card number my address and home phone number. 
I was told that this should be resolved in 14 days. I have not received any communication from Synchrony. 
I do not understand why Sychrony bank can not contact XXXX and find out where the money was refunded.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX  has violated my rights on XX/XX/XXXX. 
XXXX XXXX has violated my rights on XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX has violated my rights on XX/XX/XXXX. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received in XX/XX/2016 a late remarks on my credit report with Exeter bank and I didnt own the vehicle. I traded it in and XXXX XXXX owned the vehicle. They still reported it to my credit report. I called multiple times and they refuse to do anything. I submitted disputes and nothing. I did not own this vehicle it was traded in and if XXXX owed them its beyond my control. I would like this take off my credit report or I will sue them!!!
Product: Credit reporting

Equifax will not provide my annual Credit report online, after several requests. All information was accurately answered to identify myself.
Product: Debt collection

This complaint is in response to complaint # XXXX. NATIONAL CREDIT SYSTEMS provided documentation in the complaint in regards to the XXXX XXXX XXXXXXXX XXXX XXXX. I am a private natural man and will be addressed as so and the documents they provided proved what my initial complaint was about which is they are a third party which means pursuant to 15 USC 1692c I never gave permission directly or indirectly for this third party to communicate with me. Pursuant to 15 USC 1692c I demand you cease all forms of communication including the CRA 's. Credit reporting is a form of communication orally, in writing, and electronically. The documents you provided also proves I have no contract with NATIONAL CREDIT SYSTEMS so this company indeed unlawfully have my private location information and credit card information. This company does not have my authorization to have that private information. They have no authority.
Product: Debt collection

I've contacted XXXX to request the contract that was allegedly sign by me. Due to not being able to verify the account information they wouldn't give me much information they did provide me with the number to the collection agency which is called credence. I called them in XXXX and asked them could they send me the documentation that was sent to them XXXX that debt was mines to pay per the representative I needed to be authenticated they original social security number they had was not mines, I recited my actual social security number and then they removed off my credit report only to replace back on there with my social security number correctly that they got from me during the call. I called back and spoke with a XXXX in XXXX Name XXXX and I address my concerns and he told that I was responsible for the collection and when I disputed it with him and I'm not due this being fraud the call was disconnected. I called back and the representative told me they would send me a letter with the account information which was never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions requested that the credit agency remove the Bankruptcy listing on my credit file and they have not complied, The filing is not verifiable through the bankruptcy court that they are listing as were they did the verification. I have two letters from the U. S Bankruptcy court in XXXX Md. that states that they do not supply any information with the credit reporting agencies which means that they are not telling the truth about verifying this account, The FCRA says that if they are not able to verify an account then it must be removed and they refuse to do so. I am writing to you to have you do what your company was established for which is to protect the consumer against the big corporations and act as the legal representation, I have attached the copies of the letters from the bankruptcy court and the credit bureau will refuse to investigate this account even with you requesting verification. They will say that this has been investigated and verified as accurate and request more information to start another investigation so I am asking that they verify the DISCHARGE date of the Bankruptcy which it does n't have one so once again they will not be able to verify the account and by law have to remove it. Please do n't let them get away with bullying the consumers based on there not wanting to actually verify this information by calling the courts and providing me with the name and phone number and verification procedures as required per FCRA 611 ( a ) ( 1 ) ( a ) ( c ) / ( 5 ) ( A ) ( i ) / ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) / ( 7 ). I am hoping that your agency does what they were created to do  and have this account removed from my file immediately. The above referenced FCRA subsections explain the procedures for verification of an account and how they are required to provide the name and phone number of the person they verified this account with.
Product: Bank account or service

I am a member of USAA Savings Bank. I have a USAA Secured Visa Credit Card secured by a CD with USAA. In XXXX 2016 I reported my Credit Card stolen. The card was shut down and a new card issued for this account. Ever since that card has been shut down I am showing XXXX separate accounts in my credit reports. XXXX my current and authorized account and XXXX an the unauthorized and fraudulent account that is being actively updated in my credit report monthly BY USAA. When I asked USAA they say that they do not see the unauthorized account in their systems, they can not pull up historical info on the account that had the unauthorized activity, and they do n't seem to think it is a problem to have XXXX separate account being reported as active when there is only XXXX account. All I want is to remove and stop reporting the stolen account as my active account to the credit bureau.
Product: Debt collection

XX/XX/XXXX ACI /XXXX , XXXX . 
{$350.00} Contacted XXXX , XXXX. and requested this debt be removed from my information. I was told it was from XX/XX/XXXX. Advised representative that I have never had a credit line through XXXX and only opened a XXXX account that is attached to my bank account in XX/XX/XXXX. Was advised it looks like fraud. No info on what they are doing to resolve issue .. XXXX , XXXX. And ACI seem to be running a scam because there is a message board with tons of complaints about this. 

ACIs phone number is ( XXXX ) XXXX PayPals phone number ( XXXX ) XXXX Please inform
Product: Credit reporting or other personal consumer reports

A credit check was done by XXXX XXXX and I was denied as guarantor for an apartment lease. The denial stated there were several delinquencies on my credit report which influenced the decision. when I printed out my credit report, there was only XXXX delinquency noted " XXXX XXXX '' which was inaccurate due to them nit posting received payment. I want to find out and correct anything else affecting my credit. My current address is also listed as incorrect on my credit report and also my name comes up with a middle initial and I have no middle name
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ACCOUNT WITHOUT WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ACCOUNT - XXXX XXXXXXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX - {$7900.00} OPENED- XX/XX/2020
Product: Debt collection

Debt was disputed after collection representative called and revealed XXXX and identifying information without verifying the caller was a debtor. I filed a lawsuit and I requested suit be dismissed without prejudice. The debt was not reflected as in dispute with credit reporting agencies which is a violation of FCRA.
Product: Mortgage

I have tried on several occasions to work with the mortgage company and they denied the modification. But the problem is the mortgage company is not supposed to be practicing mortgages any longer and they sold my loan to XXXX. Now I have XXXX XXXX XXXX XXXX XXXX trying to foreclose on my home and take my to court on XX/XX/2018. Ocwen who is the servicing company is telling me I need to come up with {$15000.00} to stop the foreclosure.
Product: Money transfer, virtual currency, or money service

A fraudulent website was set up to purchase goods. I have reached out to the seller of those goods by email and by phone and all forms of communication are disconnected. As a result, I filed a dispute with PayPal in order to receive a refund for lack of goods and services being delivered. PayPal withdrew the money from my account but refuses to refund it, saying the transaction was a cash transaction. As I have shown PayPal through documentation, the transaction was not a cash transaction and was for an electronic purchase of goods. Apparently the scammer set up the website to show it as a XXXX purchase once the item was purchased. This was not what was listed on the website but is how it was transacted through PayPal. This should be refunded and protected under PayPals purchase protection. I have contacted them no less than 5 times to work through their dispute service and have requested multiple times for documentation as to why it is being denied and it simply states being denied because it does not qualify for purchaser protection. 

Today on XXXX, I spoke with a manager at PayPal who is now saying the purchase was denied because it was alcohol and thats not covered with their protection. So I attached the list of prohibited items which does not include alcohol. This is also the only individual that has stated that its not protected, the previous 4 people I spoke with said nothing about that, which you can see in their responses. I am requesting a formal response on XX/XX/27 as to why it is not being honored. The employee I spoke with was XXXX with identification XXXX
Product: Debt collection

Signed for car at XXXX from XXXX XXXX XXXX left the lot within 4 hours car had check engine light come on. They had the car for over 2 months and would call me every week or every 2 weeks saying its fixed and before i would leave the lot the check engine light would come back on. So after all that time i contacted the XXXX XXXX XXXX and they had them replace the motor and light was still coming back on the first week. Had the vehicle for 5 months and the engine went out after i took it shop and they explained the knocking and blown motor came from them using the old spark plugs and coils which weren'tany good causing the failure. Then when i returned the vehicle they auctioned it off and my balance after everything was XXXX dollars and i asked for all payments and deductions and they would only show the balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX reportb. I have accounts with XXXX XXXX that's was paid off yet it's reporting a balance Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
Inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX and XXXX its listed twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX Hard inquries/promotional I HAVE NEVER DONE BUSINESS WITH THEM 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

This is 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 items 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 items XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX TXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX