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

On XXXX XXXX, 2017 went online as an referral to purchase vehicle from Carvana ; on the first call there was system issues with security questions to get me verified after 24 hours that was resolved. I did everything that they request uploaded documents 3-way call with bank to verify funds. Car was delivered a week after delivery a rep called stating that my contract had not been signed ( after I did a total of XXXX via links provided online ) I advised rep that purchase price did not reflect the {$500.00} discount for being referred my vehicle did not come with gas card nor had I received referral code so that I can refer others as I had been referred. She stated another contract would be drafted and email it arrived I did as I was suppose to signed the contract. Received payment details in mail made first payment as agreed to lender now on X/XX/2017 was contacted by rep stating their accounting team did an audit and it revealed that my down payment was never collected due to a " SYSTEM GLITCH '' she wanted to process payment I advised that I was out of town on vacation and would call to resolve issues once I get home review banking documents etc was in a public place was n't a good time to discuss personal business she continued with my payment just be made to keep contract valid and did I not notice the draft, do n't i have online banking so I can review or can we call bank on 3-way to review transaction I declined and told rep again that I am in a public setting away from home it was n't a good time. My complaint is system related it is not a consumer issue and they should not be called and harassed about a financial matter that was on their end it took them 2 months to discover the error and no one has mentioned the {$500.00} discount I was to receive off purchase price for being referred nor have I yet to receive {$100.00} per referral for the 5 people I referred to Carvana. Was advised to tell people to give my name city and state and they will receive {$500.00} off purchase price and I would receive {$100.00} for the referral so the way I see it that Carvana owes me {$1000.00} ( {$500.00} off my purchase price and {$500.00} for my referrals ) also my gas card that every one receives with purchase. I also did not receive an owners manual was advised that it would be emailed to me and that I would receive gift card for gas in the mail which none of the above has happen. I have received numerous calls and emails threatening my contract. Which I have made 2 payments to finance company ; just do not want to wake up to a repo etc due to their system issues. Their system didnt draft my down payment, process my gift card, or referral credits.
Product: Credit card or prepaid card

XX/XX/2020 went into fifth third bank at XXXX XXXX  XXXX XXXX XXXX in XXXX ( not my bank ) and received 1 cash advance for XXXX with my XXXX XXXX. My credit card company listed me receiving 2 cash advances. First called bank fraud department who said I must dispute thru credit card company which I did. They closed investigation out even though fifth third sent documentation that only 1 transaction occurred and has batch report proving only one credit card advance for XXXX occured. XXXX  XXXX  says that the bank ran two advances regardless of the proof provided to XXXX  XXXX  of only one. XXXX  XXXX  says only way they will reverse charge is if the bank provides in writing its plan to reimburse me or them credit card company said I needed to take my statement into fifth third which I did XX/XX/XXXX and sat with bank manager for an hour who said she needed to contact their internal department to figure out where that XXXX went since it was not given to me. I call and bank manager doesn't speak to me just tells them to tell me she is still working on it. Fifth third f raud department refuses to launch investigation stating it's their policy that I dispute with credit card company. Credit card company refusing to do anything and closed dispute even though fifth third bank manager called and spoke to XXXX  XXXX  dispute department supervisor and explained it was their fault what can I do?
Product: Credit reporting or other personal consumer reports

My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX XXXX  and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( Experian, XXXX, XXXX ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau name Transunion violating of FCRA  part (  A )  ( 5 )  ( B ) this item was deleted from my credit file in  XXXX   XXXX ,   XXXX    TU r eport number  XXXX , my dispute was in  XXXX    XXXX  . Transunion reinsert this removed item from my credit report without notifying me in writing withi n five  business days. which carries a fine of {$1000.00} Also The creditor respond to credit bureau after 30 days which violating FCRA sectio n 611 part ( A ) ( 1 ) whic h carries a fine of {$1000.00} I have a copy of my update credit report showing deleted from transunion.     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  #  XXXX   XXXX , GA  XXXX  phone (  XXXX  )  XXXX  Account #  XXXX  results -- -- -Deleted
Product: Checking or savings account

WFB COMPLAINT XX/XX/2021 I APPROACHED THE DRIVE-BY ATM OF WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX 

I USED MY CARD TO ATTEMPT TO WITHDRAW {$300.00}, PUNCHED IN THE INFORMATION AND WAITED FOR THE MACHINE TO SPIT OUT THE BILLS. 

THE ATM DID NOT RESPOND AND AFTER SEVERAL MINUTES I DROVE AWAY AND HEADED FOR THE BANK LOBBY TO FILE A COMPLAINT. I TALKED TO A BANK EMPLOYEE ( I HAVE THE NAME IF NEEDED ) AND HE TOLD ME NOT TO WORRY, THAT THE BANK HAD DEBITED MY ACCOUNT BUT THE CCTV CAMERAS, HAVING RECORDED THAT I DID NOT RETIRE THE FUNDS, WOULD CREDIT BACK TO MY ACCOUNT. 

THE BANK SENT ME A LETTER THAT THEY HAD DECIDED IT WAS NOT THE BANKS FAULT BUT MINE THAT I HAD LOST THE FUNDS. AND THEY DEBITED AGAIN MY ACCOUNT. 

I CALLED UP AND ASKED THEM TO REVIEW THE TAPE TO VERIFY THAT I HAD NOT RETRIEVED THE {$300.00}. THEY REFUSED TO TAKE ANY ACTION. 

I SENT A COMPLAIN TO THE BANK CORPORATE OFFICES XX/XX/2021 AND THEY AGAIN REFUSED TO REFUND ME THE MONEY LOST.

DOCUMENTATION AVAILABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please notify all Bureaus such as Equifax, XXXX, and XXXX to remove this account from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$22000.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from XXXX to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, XXXX reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of XXXX!!!! I am totally disgusted. The reps are not helpful at all.
Product: Credit reporting

This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! 
It should not be on here. 
ThanksXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notice from XXXX XXXX that there was a new hard inquiry on my XXXX  credit report from PayPal. I did not apply for any credit at that time. On or about XX/XX/2019 I called PayPal and informed them. I was transferred to there " security '' section. They informed me that an application was submitted in my name, but the information submitted didn't match mine. They considered it a fraudulent application and denied the credit. They also informed me they would submit to have the inquiry removed from my XXXX  report and put an alert on my account ( I have no account with them ). On XX/XX/2019, another hard inquiry appeared on my XXXX  report from PayPal. Again, I contacted them ( spoke with XXXX ) and informed them I had not applied for credit. He informed me that again, the information didn't match mine and they considered it fraudulent. I even received a letter from them stating credit was denied because of " Risk of Invalid Identity ''. He informed me that they would resubmit to have the XX/XX/XXXX hard inquiry removed and have the XX/XX/XXXX hard inquiry removed. To date, both hard inquiries remain on my XXXX  credit report. I contacted XXXX  and was told there was nothing they could do to remove the fraudulent inquiries. I have since put a fraud alert on all three major reporting agencies due to the attempted identity theft.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} - Late/Open XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX There is an auto financing company WFDS. I am unaware of this inquiry i dindt give permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX I opened an account at a TD Bank branch in Washington DC. I have had an account at the XXXX part of TD for decades because I used to work there and I imagined that having an account at the US bit would make it easier and cheaper for me to move funds from the XXXX account to the US.

All was well until about four years ago, when TD neglected to send me a replacement ATM card. I called several times but, despite wasting a lot of time, was for reasons I remain unclear on, unable to persuade them to send me one. After a couple of years of that, I decided to simply close the account. That, as it turns out, is not easy either. Indeed, so far it has proved impossible. Again there have been multiple phone calls, followed by the notarized letter that their website promises will suffice to close an account. That letter was sent in XX/XX/XXXX. I then followed up multiple times using the secure email facility on their website. At first I just got form emails back saying that they were too busy with COVID. So I gave up again and got busy with other things. 

Today I received a snail mail letter informing me that my account has been designated inactive and is in danger of being turned over to the government as unclaimed. It has been active in the financial sense because TD Bank refuses to let me use it by sending me an ATM card or, as I found out today, by letting me remove funds electronically to my local bank account or to XXXX. It has certainly not been inactive in the broader sense that I have been in contact every few months, first in my attempts to attain an ATM card and then in my attempts to close my account. 

So the snail mail I received today asked me to show up in person at a branch or to undertake a transaction. The former is difficult because I live far from the nearest TD Branch and am not travelling to DC for business as I normally do due to the pandemic. The latter is impossible because they will not send me an ATM card nor let me withdraw money electronically. I would be a fool to deposit money in an account from which I am unable to withdraw funds. I have not attempted to write a paper check and deposit it in my local bank because I worry they will not honor it and I will end up paying bounced check fees. I did not call again today because I have learned through painful experience that all it does is put me in a bad mood, which is unpleasant for my family. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. 

I immediately called experian.com to let them know that this identity theft collection account " '' XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ... is a fraudulent account XXXX it does not belong to me. 

The company XXXX. XXXX XXXX Has fraudulently given experian.com wrong information about an account that l never had. It's fraud. 

This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. 

Experian.com has not removed this fraudulent collection acount from my credit report as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here are the list of accounts/items which do not belong to me or were opened without my permission. 
Inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Basically my credit cards have been paid to XXXX dollars for the past month and they have yet to update on my credit report. This was done purposefully and they never update the balaces correctly on credit cards or my other accounts. These accounts are off by hundreds of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax to clear all negative items on my credit report. checking my files i noticed all files are invalid. this has been hindering my files. please review an Remove the information submitted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with this and the improper reporting of this account. This has caused a great amount of hardship on me because I have been ignored and if they would just do the investigation they would realize this to be the case. 
In accordance with the Fair Credit Reporting Act everything must be accurate and under 15 US Code 1681 this account is in violation because its not being reported accurately. 

I even have sent multiple verification requests to the company and have not received the items I asked for. 

I as the consumer would like to know all the steps the agency took to insure these items were 100 % accurate along with the method of verification. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of Equifax Data Breach. I demand to Deleted those account ASAP or I will file a litigation.
Product: Credit card or prepaid card

I had few credit cards from Citibank that was closed by the bank - while I was out of country during the Covid timeline. I tried calling the bank multiple times but was not able to get the necessary help and eventually the credit card was closed with a negative remark on my credit history and I also lost all my credit rewards / thank you points. 

As I am not able to return to US due to visa restrictions I tried calling Citi from XXXX but on each instance the wait time was horrible and after jumping between different departments my calls were terminated. 

It was a very unpleasant experience and given that I had multiple cards I ended up getting most of my credit cards closed due to the negative remark on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a bank account due to reporting from ChexSystems. I attempted to request my credit report, and the online system keeps denying my credit report request.