23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : Close late Inquiries : 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

I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus reported late payments on a vehicle. A few days later I checked and saw it was now reporting as a charge off. I contacted the credit bureaus in writing and have had no response.
Product: Credit card or prepaid card

I purchased an online business and related training on how to have my own digital business. I paid {$3000.00} and it included a full set up of the website plus training. The sale took course over a phone conversation. Everything else was handled over emails. These people are in XXXX so there is an almost 12 hour difference that later made it difficult for them to keep in touch in a timely manner. After payment was made they barely answered my support questions to the point that I got no more replies. Almost 4 months later of me doing everything on my own following their training videos I got stuck and was still not able to contact them. So I decided to contact my card provider Capital One for a formal complaint. The following day I get emails from the person I purchased everything from threatening me and my children! Telling how he knew everything about my life and how I and my kid will pay and be sorry! Mind you I never told him anything about my personal life and he mentioned things about my kid I had never or had any reason to tell him about! I freaked out and at this point I'm thinking he's hacked my personal info somehow and I proceeded to change passwords on EVERYTHING. I called my card provider and sent copies of the threatening emails and 4 reps I spoke with said they would help. That never happened as they washed their hands and said I needed to provide them with a receipt of the purchase! My receipt is the charge on my statement! I never received a confirmation email from this merchant for the purchase but they somehow produced a so called " return policy '' I NEVER received. So Capital One closed my case on that basis! I pay my purchases in full each statement and the reason I paid with a card was for the sole reason that I would be protected. I'm out of {$3000.00} and no business. That company scammed me and threaten me. I want my money back.
Product: Credit reporting or other personal consumer reports

I found out that 2 of my accounts were marked 90 days late, this is from my department of education loans : XXXX XXXX XXXXXXXX account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX XXXX  XXXX XXXX account status changed from " Current '' to " 90 Days Late ''. XXXX account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your XXXX student loan account status changed from " Current '' to " 90 Days Late ''.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  XXXX Balance XXXX {$7000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX Balance : {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy that is not mine nor have Experian nor XXXX  properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both Experian and XXXX  asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only Experian and XXXX  Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.
Product: Credit reporting or other personal consumer reports

The credit company is reporting stuff that was taking off my credit and they are checking my credit without my permission they are things that are not supposed to be on my credit by law like closing accounts and the collections under the act.15 USC 1692g/ and the charge off accounts under the act 15 USC 6802 and the act 15 USC 6801 late payments are not supposed to be reported on a credit report under the act 15 USC 1666b and as well as Inquiries under the act of code 15 USC 16816 there are not supposed to be reported on my credit and the close account and charge off from the banks isnt supposed to report on my credit when they already pay they banks never reported that they sent me a 1099 form from them getting payments for my charge off accounts and all them hard inquiries is not mines and all 3 of my credit bureau system got hacked and there are things like somebody has ben using my credit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Formal Complaint - Inaccurate Verification of Debt by TransUnion For whomever this XXXX concern, I am writing to file a formal complaint against TransUnion regarding the accuracy of their debt verification process, as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ). 

Recently, I discovered an erroneous debt on my credit report ( " XXXX XXXX, XXXX XXXX XXXX XXXX '' as listed with company on my credit report ), which was initially verified by TransUnion. However, another reputable credit bureau company subsequently verified this debt as invalid and promptly removed it from my credit report. I must highlight that TransUnion verified this debt without providing any substantial information to validate its authenticity. 

The absence of a wet signature or a clear date associated with this debt raises serious concerns about its legitimacy. I would like to bring to your attention several relevant legal cases, such as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, wherein the respective credit bureau companies were held accountable for their failure to properly validate similar debts. 

According to the FCRA, it is mandated by law for credit bureaus to conduct a reasonable investigation upon receiving a dispute from a consumer. In this particular instance, TransUnion has failed to meet this legal obligation, as they neglected to perform a thorough investigation into the disputed debt. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate actions to ensure compliance with the FCRA by TransUnion. Furthermore, I would appreciate your assistance in rectifying this situation promptly, as the inaccurate reporting of this debt has had a negative impact on my creditworthiness and financial well-being. 

Enclosed with this complaint, you will find copies of all relevant documentation supporting my claim, including the deletion confirmation from the other credit bureau company. 

I trust that the Consumer Financial Protection Bureau will handle this complaint with the utmost seriousness and work towards resolving the issue effectively. I eagerly await your prompt response and a resolution that upholds the principles of fairness and accuracy outlined in the FCRA. 

Thank you for your attention to this matter. 

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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

the amounts were added to credit and affected me. and I want it to be removed
Product: Credit card or prepaid card

Claim number : XXXX Claim filed XX/XX/2023 I filed claims with Bank of America XX/XX/2023 I submitted notarized documents letting them know I never received my card they approved these claims Claim XXXX {$9500.00} Claim : XXXX {$7300.00} Claim : XXXX {$130.00} Claim : XXXX {$6200.00} Claim : XXXX. {$12000.00} However on XX/XX/2023 I called the bank because my sponsor advised me I was still missing money so I needed to call Bank of America back to let them know Im still missing funds Bank of America advised me that he missed a lot of transactions and they would include in a new claim Claim number : XXXX {$31000.00} Claim filed XX/XX/2023 How we claim was denied on XX/XX/2023
Product: Money transfer, virtual currency, or money service

Coinbase is preventing me from trading despite previously being allowed and they aren't letting me know why I can't. They said they can't " elaborate on [ their ] internal decision process ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states 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.
Product: Debt collection

Fraud report started with XXXX, AFNI INC, XXXX  XX/XX/2021and Police report for the {$990.00} on XX/XX/2021. I found that the wrong name and address was used to create the debt which was not aquired by me. This is the second time XXXX has done this with a different collections company. Using just a social sercurity number to give credit is just not smart. All the other info they used was incorrect, yet XXXX  continues to attach this and other charges to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian, XXXX, XXXX  and they keep telling my FTC report is not a verified document from the FTC. They state that the federal trade commission said the document is not valid I want the item removed from from my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Mortgage

12 months ago I had to start paying my mortgage payment to PennyMac by Money Order because I had a payment to go past 30 days, this was there policy when this happened. In XXXX 2015 I noticed the payment that was made was not credited to the account, I had proof that the cashers check was received by PennyMac, who received it and what time. I spoke to a lady at PennyMac and they said they do n't have it, I had to fax the copy to PennyMac. When I talked to the lady at PennyMac ( XXXX ) she told me she had talked to my bank and the check had not been cashed by them. She said she would stay in touch with us and that it would not go against my credit and there would not be any late fees. I told her I was trying to refinance and did n't wont to hurt my credit. After 2 months I called PennyMac back because they had n't called me and I spoke to XXXX again, this was after I had left her 2 messages and she never called me back. I called because I noticed my credit score had dropped XXXX pts. When I spoke to her she said it was pretty much on me and I should have stopped payment, there was no conversation about stopping payment when I spoke to her the first time. My wife went to the back the next day to have them stop payment on the cashers check, the bank can only do it with a letter from the mortgage company with their letterhead stating why the cashers checked needs to be stopped. Since she did n't take care of what I asked about I asked to speak to her supervisor, XXXX XXXX got on the phone and pretty much said the same as XXXX. He did tell me they would put in a request to change the credit report and XXXX will call me back in a few days. She called me back on Friday of that week and told me she had tried to get a hold of my bank and had left messages and know had called her back. My wife talked to the bank and he had no calls or messages from XXXX at PennyMac, my bank had left her messages and know return calls. On Monday this week XXXX/XXXX/15 XXXX called me back and told me she had not talked to my bank and they were not able to send my bank a letter on their letterhead to stop payment on cashers check. She called me back on XXXX/XXXX/15 and left me a message and tried to call her back XXXX/XXXX/15 in the afternoon and left her a message and then called he back on XXXX/XXXX/15 and left another message. It 's XXXX Friday XXXX on XXXX/XXXX/15 and see have had know call back from XXXX. I talked to the bank and she still has had no conversation with them. The website shows all payments have been for XX/XX/XXXX and XX/XX/XXXX but no payment for XX/XX/XXXX, When I spoke to XXXX he said that payments were applied to XXXX and XXXX and no payment had been made for XXXX, they do n't know what 's been made. During the past 3 months I 've had 3-4 calls a week from an automated phone system, I 've received in the mail every week of ways to get your loan caught up or foreclosure or shot sale.
Product: Credit reporting

I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.
Product: Credit reporting

I am locked out of my Equifax free credit report. The questions they were asking me were so wrong, and fraudulent that I am only left to believe my account, credit, identify and social security number has all been compromised. I need to resolve this matter as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX I made two split payments for car repairs made on my uncles vehicle. The total amount paid was XXXX . This payment was for engine replacement in a XX/XX/XXXX XXXX XXXX. I purchased the engine at XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX. When we arrived to pick up the vehicle that had been in possession of XXXX XXXX for 42 days, the owner had XXXX XXXX Police department there. I realize now why they were there. 
He knew that he had not completed the repairs that he was paid for and in order for us to receive the keys to the vehicle as stated in the police report I have. The officer told us that if we wanted our vehicle we needed to sign the receipt. We asked the mechanic if we could test drive the vehicle to make sure it was operable and ready to drive on the highway. We were denied this request, after two hours of going back and forth with the officers and the mechanic my uncle agreed to sign just so that we could get his car back. We were under extreme duress during these circumstances and were trying to make it to a funeral that morning. 
Two hours later after receiving the vehicle back the transmission started to leak profusely and we had to pull over putting lives in danger including ourselves. We called the mechanic to let him know the problem he came out and checked the issue. He told us that he never touched the transmission and it would be an additional XXXX . We went and got a second opinion and had the repairs done at XXXX XXXX XXXX. The total cost for repairs XXXX to repair transmission and replace the seal that connects the engine to the transmission. 
The mechanic from XXXX XXXX stated via text message that he didn't have to touch the transmission to install the engine which is incorrect. In order to remove the engine the seal on the transmission needs to be removed and replaced to alleviate any leakage that can arise from old seal. Basically the mechanic did unfavorable repairs costing my uncle more money even though he said the repairs were complete. The check engine light is on in the vehicle. The split payments were made as follows XXXX $ in cash and XXXX $ via cash app. The mechanic told us that he would not accept money order or check or even visa debit. 
He stated that he only wanted cash or cash app in order to retrieve the vehicle. This mechanic is untrustworthy and should have his business operating license revoke indefinitely .I 've sent over several supporting documents to Wells Fargo only to be told its not enough. We work very hard for our money and transactions should be able to be disputed with our banks if they are fraudulent. FDIC insured should cover all complaints not just some. I don't want this to happen to anyone else. I've talked to several people who have had similar complaints resolved with their banks but not with Wells Fargo disputing center. 
In closing Id like to say people put their money in banks for security. If I cant find security and comfort in my banking institution I might as well open up a credit union or carry cash or money order at least I know that my money is safe and can be recovered if anything fraudulent happens.
Product: Vehicle loan or lease

I purchased a vehicle from Carvana under the assumption that I would receive a seamless, hassle-free experience, as advertised. Carvana offered to deliver the vehicle to Illinois while registering it in Georgia, where my permanent residence is located. However, after the purchase was finalized, Carvana falsely claimed that they could not complete the registration in Georgia due to state restrictions, which I later confirmed with the Illinois Secretary of State as untrue. No such legal barriers exist. 

This misleading information created a series of complications and delays. My vehicles delivery was canceled twice without proper explanation, including one cancellation just a day before the scheduled delivery. Carvana provided conflicting information throughout, leaving me in limbo and unable to proceed with the registration and delivery as promised. 

Additionally, I incurred upfront insurance costs and had to pay the first month of insurance coverage even though the vehicle had not been delivered. I requested reimbursement for these costs, but Carvana has refused to provide a fair resolution.

To make matters worse, Carvana presented an ultimatum : either accept their terms ( which involved traveling to Georgia to accept delivery ) or face cancellation of my order. This coercive tactic left me with no fair options. Their refusal to fulfill their contractual obligations, combined with their attempts to mislead me about state regulations, has caused undue financial stress, wasted time, and significant inconvenience.