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

Purchase the XXXX XXXX from Carvana in XX/XX/XXXX as of XX/XX/XXXX of XXXX today the vehicle that Carvana /XXXX  repossessed I still have yet to receive registration for the vehicle the vehicle just have been sitting in my driveway since XXXX from the time I purchased it with no plates allowing me to drive the vehicle in XX/XX/XXXX when the vehicle was repossessed no one has been in communications with me about anything Carvana XXXX XXXX XXXX they repossess the vehicle and now making me liable for {$25000.00} for a vehicle that I never was able to drive due to their lack of properly filing paperwork and properly communicating with me the buyer
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to Experian XXXX XXXX. The disputes were correcting my address, accounts that arent suppose to be reporting and late payments. Experian says the accounts are coming back verified after a day or same day of me reporting the inaccuracies. The law says anytime something changes on your credit report you should be noticed. Ive NEVER been notified. I filed a dispute on XXXXXX/XX/year> and the results were in two days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Mortgage

On XX/XX/XXXX my mortgage company took it out {$1900.00} in my automatic payment which should have been {$1300.00}. When I called they realize that they had paid my taxes twice and also on my account projections for the next year it shows like they were going to pay my taxes twice again which is why my payment was so inflated. They received the money back that they paid on my taxes twice but they still have not fixed my account projections showing that they will pay my taxes twice again next year. Therefore my escrow payment for the next year is at {$740.00} a month instead of being at {$510.00} a month. As well as a shortage payment of {$110.00} which would not be there if they didnt project paying my home taxes twice. I have called at least 8x and talked to multiple people each time.Although they fixed part of it by getting the payment back from the taxes, they have not fixed my amount due to escrow because it still shows I will be paying {$5500.00} in taxes next year which is DOUBLE!! And they are telling me I have to still make the {$1900.00} payment for XXXX until they figure it out. My payment should be {$1300.00} a month. They already took an extra {$650.00} erroneously from me in XXXX by automatically taking {$1900.00} from my bank on a payment that should be {$1300.00}. Therefore my XXXX payment should only be {$680.00} to get caught up. Then going forward {$1300.00}. But all they do is keep transferring me to someone else until Im told it will be fixed in 5-7 business days. Ive been told that 4 times since XX/XX/XXXX. I have made automatic payments since loan originated so I have NEVER been late on a payment. But Im not paying anything until I know where my money is going and that it is correct.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address in my report, which is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of the incorrect employers listed below : XXXX XXXX The only job I need listed is : XXXX  XXXX XXXX Therefore, I kindly request that you delete this inaccurate information, as it is causing difficulties in ensuring my report is clean in the best possible way for me to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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

An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit report.
Product: Debt collection

I was contacted by company on XX/XX/XXXX regarding a loan that I had defaulted in and was told I could complete payments and I will be contacted again in XXXX to see if we could settle the account. I proceeded to make my payment for this accountbut I received a call on XX/XX/XXXX from the Niagara Central revenue incorporation from number XXXX stating I have not made payments and they also said that they were going to suspend my driving license in regards to a violation and they gave me a penal code which I can not recall. I then asked for a debt collector license, which they were unable to give me the number. I also asked if there was anyway that they can give me a debt validation notice which she said that is not something they do. I asked if the past payments did if there was anyway, I could get confirmation of that and which she also declined said that they do not send anything via mail or email. They then stated I could settle the account for around XXXX today XX/XX/XXXX they asked me to confirm my Social Security number, which I did not. They also stated that there was something being sent to be a courier mail in regards to me being sued by them as I was not responding to their allegations, which I declined and they stated I would rather get sued or sent to court then to settle with them today. I just feel the action to threaten someone with suspending their drivers license When that is not something that is involved with what they are doing its very wrong and should not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, 1. YOU ARE LYING WHEN YOU SAY YOU ARE " VERIFYING '' THESE ACCOUNTS. I WROTE YOU MANY TIMES BY CERTIFIED MAIL 2. AND YOU REFUSED TO ANSWER within 45 days. THAT IS ILLEGAL. By law you must remove all false information when you refuse to respond in time. 

A. XXXX XXXX- not my account XXXX XXXX- not my account. See evidence belongs to XXXX " XXXX '' XXXX. I don't have a middle name. YOU'VE LIED MANY TIMES SAYING YOU VERIFIED THIS ACCOUNT WHICH IS NOT IN MY NAME. 
XXXX XXXX- not my account XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) of them. Not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
XXXX XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX XXXX XXXX : account XXXX XXXX XXXX  : account # # # # # XXXX XXXX XXXXXXXX XXXX XXXX : account # # # # # # XXXX XXXX XXXX XXXX  : account # # # # # # XXXX XXXX XXXX  : account # # # # # XXXX XXXX XXXX : account # # # # # # EQUIFAX has unauthorized information that remains on my credit file. I would like to file my CFPB complaint formally. 
I am writing to provide notice of these unauthorized accounts on my credit report. I have no knowledge of these accounts as they are not mine. I have been a victim of identity theft. Please remove these inaccurate unauthorized accounts from my report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, a consumer, and a victim of identity theft and I am making my official notice about the crime. I have nothing to do with the crime and I am not misrepresenting any facts. It was requested that I send a copy of my drivers license and social security card for identification purposes. I have made a file with a notice to correct my personal information, a notice of identity theft, and I have attached a copy of my social security card and my state Driver 's License. Please block, remove, and delete the fraudulent account from my credit report with 4 business days as required under the FCRA Section 605B. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX 's privacy has been continuously violated. LEXISNEXIS has lied to me about verifying information that can not be verified. LEXISNEXIS did not conduct an investigation of consumers dispute pursuant to 15 USC 1681 ( a ) ( e ). [ The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ]. Who was questioned about consumers " GENERAL REPUTATION, PERSONAL CHARACTERISTICS. what neighbors where interviewed? LEXISNEXIS is lying and knowingly and willingly violating consumers federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted a dispute to Equifax in regards to two different charges/ from the same vendor during the same year period. I accept responsibility for one of the outstanding balances but not both due to the fact that this vendor will not allow you to have more then one account. This negative information has been removed from the other two major credit bureau 's but Equifax has refused to remove it
Product: Debt collection

I brought Some tables back in 2022 of XXXX when they came they was cracked XXXX broken i reached To the company i brought Them from which was XXXX XXXX  they said they would send tables out but they was out of stock months later they stopped answering my messages through online i gpt I touch with u own leasing they told me if i would Pay XXXX they would marked it as paid being as though these tables came to me cracked and broken up from the shipping and handling Than after about two months leafy started connecting me about full payment when in fact i wasnt Told it would be full payment i have Included emails from furniture XXXX and leafy to prove my point these tables came to me messed out and broke XXXX cracked but they wanted me to pay full price on an item that wasnt how they supposed to have came which is very wrong on my behalf as a customer
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a transaction with another user in XXXX. The transaction amount was {$2500.00}. I had the user refund the money through the XXXX interface. The balance of the transaction that was from my XXXX account was refunded but the remaining {$2400.00} was not refunded back to my account. I provided the bank, Citizens bank, with all of the tracking numbers that XXXX provided so they could trace the refund. XXXX keeps saying the card issuer has to find the money but the bank insists they are not responsible or liable for it. The bank has traced all the IDs provided by XXXX and concluded that XXXX issued and then recalled the refund. XXXX keeps saying it is a hold on the money and the bank has to release the hold. I have done everything both sides have asked of me. In an attempt to continue pursuing my money I requested something from the bank stating they had exhausted all of their avenues to obtain the money. The bank refused to provide this. The attachments show the repeated responses from XXXX as well as the rejected claim filed through the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed unauthorized accounts with XXXX XXXX XXXX and Collection Receivables Inc in XX/XX/2023 and XX/XX/2023. They are both publishing unauthorized accounts on my report without providing proper validation as mandated by the FCRA and FDCPA. As of today, they have purposely failed to provide : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Collection Receivables Inc with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATIONS OF THE FAIR BILLING ACT FAIR DEBT COLLECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

This would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Bank account or service

I wanted to get money from XXXX of my checking accounts, some in cash and some in an official checkI provided identificationI was told I needed to pay {$4.00} to be provided with a check before paying more money for the official checkI had no problem paying for the service of receiving an official checkI told them I did n't need a check, I just wanted access to my fundsThey said I would have to pay if I wanted access to my money in a checking account, although I could use a withdrawal slip and pay nothing if I had a savings accountTo make the foolishness continue, I said I would open a savings account, transfer the money into it, withdraw it, and close the savings account if that was what they wanted since it would be free. 
Waited on the line to open a savings account and was told I would n't be able to draw on it since the funds would n't have cleared. The clear funds in my checking accountSo I tried to close my checking accounts. They would n't let me do that since I still had a direct deposit that would be coming through before I could get it cancelled. They would n't allow me to set a future date to cancelHow can it be legal for them to refuse me access to my funds without a fee? I just wanted ( some of ) my money? They had withdrawal slips, they just choose to make them savings accounts only.
Product: Vehicle loan or lease

I am writing this complaint because Credit Acceptance is taking advantage of my rights. They keep calling and harassing me and placing my car into repossession. I am facing hardship right now and advised the company of my situation and they still placed my car under repossession. I also looked on my credit report recently and noticed that they are illegally reporting information on my credit report, and it need to be removed immediately. Under 15 USC 1681e ( b ) it states this ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) treatment of inaccurate or unverifiable information. This information needs to be deleted from my credit report.
Product: Credit card or prepaid card

I just received a call from XXXX  that my information was being used to open up credit cards, then i checked on my XXXX XXXX   account, its shows two different synchronybank/walmart and synchrony/ppextr. So i called synchrony bank they handled the walmart credit card very well and they removed the fraud accouny that was being opened under my name, but the thing is they told me they didnt know PPEXTR which shows its under their bank too. I would like to remove this since this is fraud.