23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation into this XXXX  XXXX account with Experian and it came back as verified. i want to see the documentation they used to try to validate an account that not in my name. That means that this account is inaccurately reporting and should be removed immediately because as a consumer i am losing faith in Experian knowing that they are not properly investigating inaccuracies.
Product: Vehicle loan or lease

In XX/XX/XXXX I received a recall letter from the XXXX manufacturer for my ( XXXX car ) this vehicle was financed through XXXX XXXX XXXX and I purchased from XXXX XXXX auto dealer ( XXXX, Ohio ) in XX/XX/XXXX. I called the number on the recall and was instructed to contact the local XXXX XXXX in my area which is XXXX XXXX XXXX. I did and was instructed to bring my vehicle in for remedy- and at that time would take about 2 weeks and the dealer would provide a loaner vehicle at the manufacturers cost. I took my vehicle in XX/XX/XXXX- it has been 1 year and they still have my vehicle- I have not seen my vehicle and I have made a whole year worth of payments without the vehicle I financed through XXXX XXXX. I have been in loaner vehicles every since. I found out there is a class action lawsuit pertaining to the recall with XXXX. I have made countless calls to my lender who does not care, and it is unacceptable. I made several complaints with the XXXX, FTC, NHTSA, and The Ohio Attorney Generals Office. I stopped my car payments as of XX/XX/XXXX and I notified my lender as to why. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon- In XXXX of last year I purchased a new vehicle. XXXX XXXX is to whom I owe my loan to. However XX/XX/2022 I tested positive for XXXX XXXX. While being sick many financial complications came with it. When I called the auto loan department on the XXXX of XXXX when my payment was due she stated I had 30 days to make the payment. Today is XX/XX/XXXX and I called to confirm my payment and she said it was now 30 days late and will now be reported to all 3 credit departments. 

My payment was made however they never once contacted me via phone or email to let me know it was due. Today she updated all of my personal info. Email, phone and Address. I discovered it was all in correct and the agent said the phone number they have for me was completely different from what I stated. How was i supposed to receive calls to make my payment if the info they have was not correct. 

If I would have known it would affect my credit when I called on the XXXX I would have made my payment. 

Thank you kindly
Product: Debt collection

Someone has used my information to obtain a utility in my name, in a state in which I do not reside. The utility company is XXXX XXXX. Delinquent amount is {$2200.00}, obtained XX/XX/23.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX OF SO XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I mailed them a letter asking for legal validation of this debt on XXXX/XXXX/15. They have not responded to me.
Product: Credit reporting

REFERENCE : XXXX XXXXWhen I was deployed XXXX, my social security number was used by another to obtain a credit card. The card was opened " in-store '' and not online XXXX. I was in XXXX. It was impossible for me to open the credit card, there is no XXXX XXXX store XXXX. 
I have explained this to XXXX XXXX because they operate the XXXX XXXX card. I have given XXXX XXXX XXXX ( XXXX ) a copy of the police report. They refuse to take the credit card out of my name and insists on assigning this debt to me. 
Whenever I get this matter resolved with the credit reporting agency, XXXX changes the account number and reassigns the account to me under a different number. However, since I have NEVER NEVER applied for a XXXX -- they have no authorization to associate my identity with their business. They need to close this account and quit reporting the account as belonging to me. 
Attached are : my orders showing my deployment XXXX, a copy of the police report, and an Experian credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) due to false and harmful credit reporting. 

Although this account was paid in full, it continues to report as 120+ days late with a profit and loss write-off, which is factually incorrect. These negative marks are being reported months after the account was closed and settled. 

This is a violation of both XXXX XXXX guidelines and FCRA 623 ( a ). It misleads lenders and continues to damage my credit profile despite my full repayment. 

I am requesting this account be removed entirely from my credit report across all bureaus if the reporting can not be updated accurately and completely.
Product: Credit card or prepaid card

When I cancelled my account I had rewards dollars in the amount of {$110.00}. I asked how to redeem these and was told the easiest way was to just subtract them from my final balance. When I received my final statement of {$180.00} the amount owed was not adjusted for my rewards money. I reduced the amount by {$110.00} and sent them a check for the balance of {$70.00} and considered the matter closed on XX/XX/XXXX XXXX. I also printed a disclosure on the back of my check stating that if the check was cashed my account will be considered paid in full. The check was deposited. When I contacted them about this in XXXX I was told that the employee should not have told me that it would be reduced.I now have received a notice that I owe them {$140.00} including a late fee of {$25.00}. I feel I do not owe them anything and want a letter from this company accepting responsibility for this matter and they consider the balance paid.
Product: Money transfer, virtual currency, or money service

A deposit of {XXXX was made to XXXX XXXX on XX/XX/2023 for digital artwork that was never received. I, the purchaser, XXXX XXXX, made several attempts to contact XXXX via XXXXXXXX XXXX XXXX XXXX XXXXXXXX & there was no tangible response from the XXXX. The seller operated from her Georgia business that is actually dissolved now. I, XXXX XXXX, am requesting full refund of the deposit. My bank, XXXX, along with the company Zelle in which the deposit was sent, is aware of this issue & a dispute was filed. However, the external bank refused to refund the money. I also contacted the FBI.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by XXXX, XXXX, TRANSUNION. I have been the victim of multiple data breaches that have compromised my personal information, leading to numerous inaccuracies in my consumer report. Despite these serious privacy violations, the credit reporting agency has failed to properly investigate and correct these inaccuracies. 

Breaches : XXXX ( XXXX ) XXXX ( XXXX ) XXXX, XXXX ( XXXX ) many other breaches Specific Violations : FCRA Violations : -Failure to conduct reasonable investigations ( 15 U.S.C. 1681i ) ; -Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) ; -Failure to properly notify me of investigation results ; -Failure to remove inaccurate information after dispute.

Privacy Act of 1974 Violations : -Failure to protect against security and confidentiality threats to records ( 5 U.S.C . 552a ( e ) ( 10 ) ) ; -Failure to maintain accurate, relevant, timely, and complete records ( 5 U.S.C . 552a ( e ) ( 5 ) ) ; -Failure to collect information directly from me when possible ( 5 U.S.C . 552a ( e ) ( 2 ) ) Unauthorized disclosure of my personal information through inadequate data security. 

Disputed Information : XXXX XXXX XXXX XXXX, XXXX Impact on me These violations have caused : -Decreased XXXX XXXX ; -Denial of credit opportunities -Time spent disputing inaccurate information ; -Emotional distress and anxiety over identity theft risks ; -Financial losses from identity theft protection services ;
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXX
Product: Prepaid card

XXXX locked my card against my will, then they refuse to unlock it, despite me sending in numerous times requested documents to them, for them to review it just for them to request the same documents if not new documents every 48 hours, now their asking me for unobtainable documents like a beneficiary id and a poa, as if Im XXXX, every time I call they tell me the same thing, without any results, my job keeps depositing money to my account and the card company keeps not letting me access it or even transfer it to a different account, they dont even let me talk to their review department either, I dont know what to do anymore, the account now has over XXXX XXXX in it and will keep growing every time I go to work. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.
Product: Credit card or prepaid card

I currently have a Fidelity Credit Card and I cancelled my card due to fraud charges appearing my invoice statement in XX/XX/2022. Fidelity provided me a new credit card with a new Visa Credit card number. The same merchants recharged my new credit card number in XXXX XXXX I contacted Fidelity and I was told merchants can purchase a service from Visa to obtain a customers new credit card number without the customers or Fidelity 's permission. Fidelity stated many deceptive companies use Visa services to obtain customers credit card numbers to bill consumers fraudulently. 

I am now dsiputing the new charges on my credit card number. I was told by Fidelity there is no way to stop Visa from providing out my credit card and therefore I am being billed fraudulently a second time. Please have Visa to stop providing my credit card number out to companies in order to bill my credit card without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$780.00} XXXX XXXX XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 by 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX Account # XXXX are violation of several laws. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Since this credit agency has stated they have verified that these late payments are validate this means they have the certified mail XXXX label receipts to show the company XXXX XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my XXXX XXXX XXXX. As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. Sincerely XXXX XXXX
Product: Debt collection

Performant Recovery, Inc. contacted me at work via phone in XXXX 2016. I do not have any debt and believed it was a scam. 

Performant Recovery , Inc. then sent its first letter to my house dated on XXXX XXXX, 2016 ( with no outside post-marking ), received in mailbox XXXX XXXX, 2016 and disputed XXXX XXXX, 2016 via certified mailed. This is in violation of the Fair Debt Collection Practices Act because a " validation notice '' telling me what the debt was about was not sent within five days after first contact in XXXX 2016. 

I have received one of the two delivery receipts of my certified letters sent to Performant Recovery , Inc. with tracking information it was delivered and received on XXXX XXXX, 2016. Two additional dispute letters were sent XXXX XXXX, 2016 to different Performant Recovery, Inc. addresses. 

I have received correspondence dated XXXX XXXX, 2016 ( post-marked XXXX XXXX, 2016 ), received in mailbox XXXX XXXX, 2016, violating the Fair Debt Collection Practices Act because it is documentation looking like it is legal format of a court or lawsuit claimant. 

The social security number on the paperwork is not mine and the company is claiming they will garnish my wages ( again another violation without due process and court order ). 

Additionally, the address to send remittance is constantly changing on the correspondence.
Product: Credit reporting or other personal consumer reports

Good Evening, I am writing to file a formal complaint regarding a delinquency claim on my credit report related to a loan originally obtained from Center State Bank in XX/XX/XXXX. The loan was under a five-year term with scheduled automatic payment drafts from my savings account. All payments from XX/XX/XXXX to XX/XX/XXXX were made promptly and diligently. 

After the final payment in XX/XX/XXXX, I believed the loan was fully settled. It was only later that I learned Center State Bank had merged with South State Bank in XXXX detail that was not communicated to me. This lack of communication led to complications in XX/XX/XXXX, when I received a call from XXXX XXXX XXXX at South State Bank regarding an outstanding payment. Unaware of the merger, I mistook the call for a scam and blocked the number. 

In late XXXX or early XX/XX/XXXX, I received another communication from XXXX XXXX about an outstanding balance. Concerned, I attempted to contact South State Bank but did not receive a response until XX/XX/XXXX. Upon finally speaking with the bank, I was informed that the issue stemmed from a policy requiring the final payment to be made in person, a requirement I was unaware of. 

After clarifying the situation, the bank promptly drafted my final payment over the phone in XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX, the Dispute Department Manager. XXXX confirmed the presence of an error on South State Banks part concerning the incorrect address listed in the system, which has resulted in my failure to receive any communication regarding the servicing of my loan by South State Bank. 
XXXX assured me during our conversation that my address had been updated in their system. He also promised to send a letter confirming that my account had been paid in full. Unfortunately, I have not yet received this letter, and XXXX has not responded to my subsequent calls and emails. 
This issue has consequently led to an erroneous delinquency report on my credit history, which resulted from the banks failure to inform me of critical policy following the merger with Center State Bank. I have always maintained a stellar credit record, and this oversight has unfairly impacted my credit score.

I hereby request the CFPB to intervene and assist in removing the erroneous delinquency from my credit report. Additionally, I ask for an official letter from South State Bank, confirming that the debt is paid in full and that my account is in good standing.

Thank you for your prompt attention to this matter. I look forward to a resolution that restores and reflects the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX
Product: Credit card

I applied for credit with Affirm and was denied XX/XX/year>. My application is a security. I am the surety on the account, and only signor. I have not or will not authorize any third party the power to substitute my signature, not my estate without the benefits of the credits going to me as the beneficiary. Affirm will have access to use my application as a security and benefit from my estate while I do not have the same benefit. This is unjust enrichment. This is a notice of subrogation and I expect Affirm as Trustee administrating my estate without written consent to release the credits available to the estate. As executor over XXXX, XXXX and the authorized signor on the estate, Affirm needs to act in Honor as the Trustee and make available to the beneficiary, XXXX, XXXX all credits. I expect Affirm to perform their duties immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sold XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00}. XXXX cents was currently in the account. A total of {$1100.00} should have been in my account after the sale. I advised Robin Hood to DEPOSIT the proceeds of the sell, ( i.e., XXXX for {$14.00}, XXXX for {$170.00}. XXXX for {$100.00}, XXXX for {$870.00} ) -- totaling approximately {$1100.00} into my checking account ending in XXXX on XX/XX/2021. INSTEAD they used the word DEPOSIT from XXXX Account. As such, what should have been deposited into my account is now showing as a debit in the amount of {$1100.00}. 

I believe this was done as a FLIM-FLAM -- a trick or deception! because their documentation reads " Deposit from XXXX XXXX  CHECK '' and Withdrawal to XXXX XXXX  CHECKING '' when in FACT, these people simply WITHDREW from my account the amount of money that I asked to be DEPOSITED into my checking account. This company is using a play on words to deceive people into doing things that they don't intend to do. It is common knowledge when dealing with money that DEPOSIT means to GAIN and WITHDRAWAL means to TAKE. Their play on these two words are deceptive. In any event, I've attached the sell of these stocks and have not received the " DEPOSITS '' from the sell of such into my XXXX XXXX  CHECKING ACCOUNT ending in XXXX! I've only seen them WITHDRAW this amount from my account in error!!!! Furthermore, I do not see any historical information regarding the settlement of these stocks and/or funds. I have tried with no luck to resolve this issue with Robinhood. I have yet to see the history of the sell of these stocks, THEREFORE, I am filing this complaint. I might also add, this company 's online application is not TRANSPARENT -- but mostly confusing. It seems to always have technical issues. It seems to work fine when debiting people 's accounts as this is done in " real time '', but when it comes to " depositing '' monies into people 's account, it appears to always be having technical issues -- never done in real time. As you can see they have completely misused the banking terms " deposit and withdrawal, '' I believe on purpose.
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX  account on my credit is fraudulent. I disputed it on transunion and was verified it was fraudulent and was immediately deleted. Now its bank on my account without any explanation or evidence this belongs to me. I have doc showing it was deleted from transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accountant increase appearing on credit report. 
Accounts 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