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

Dear Transunion, XXXX XXXX XXXX XXXX XXXX XXXX  it is extremely to communicate with your company so this will be the only way. I have attached your " reinvestigation '' below. Per your investigation youve stated that negative fraudelent tradeline labeled XXXX XXXX XXXX XXXX XXXX' is accurate. Your are once again violating FCRA as per XXXXXXXX XXXX XXXX they have both stated that this tradeline is illegal and demanded that it be removed and have done so. How could you possibly have a different when you abide by those same laws? Secondly, XXXX XXXX XXXX is extremely fraudelent as I have provided you an FTC Report within the exact same dates that your company is saying doesnt match, so I have attached the orginal creditor date agreement they calim that I have signed. I have never lived in XXXX XXXX who your client collects debts for. If you read carefully the FTC report sates the correct dates of when I found out this fraudelent account was opend in my name! I hav sent over SSN and My ID and now you need proof of adress to change my adress and delte all other adresses so I have attached it below. If you do not remove these old adresses I will no choice but to report it to my state attorney general. The negative tradline XXXX XXXX is also fraudelent as I have never had two or any accounts with them ever and the history in this account is innacurate and mostly deserves a reinvestagation after they have refused to provide a US 1099-K for a written off debt. ( Same for XXXX XXXX XXXX  ) The data is untrue and they have proof of me paying them. These companies are all violations of 15.US CODE 1692 as they have never sent information to anyone.This unlawful and demand that you remove these negative items after reinvestagation. Stop receving complaints and immedialty decling requests in under 48 hours after NO investagation! You are violating 15 U.S code 1681E. I also demand to invetigate the three hard inquirys in my prevoius CFPB complaint as I have not authorized these companies to pull my credit report! per 15 U.S code 1681I you have to veirfy the accuracy in these tradelines that you do busniess with! You have not done so, please remove these as you are violating my rights.i am aware of the judgment that CFPB has placed on you for violating these rental screenings as this fraudelent radeline is from a rental agreement that is and will never be mine! As far as my Identity Theft report you are also violating 15 U.S. Code 1681c2 Section C3 the fact that this tradeline has been here doesnt imply that I was aware or obtain goods or services even though I did not! Even if I disputed this tradeline in the past doesnt mean that this is mine, I know my credit rights yet Transunion continues to voliate me. I have attached all your emails below as this is not a proper way to handle CFPB, this company is stating that they have investigated my FTC report, verfied all these fraudelent tradlines are coorect and valid and all inaccuracies are assumed true in less than 48-72 hours
Product: Vehicle loan or lease

VW Credit is the parent company of XXXX ; I refer to VW Credit as XXXX herein since my car was an XXXX. XXXX has sent me a notice saying they repossessed my car. However, that is not factually correct ; I returned my car to XXXX. Nevertheless, XXXX has sent me a notice asserting that they want a {$40000.00} repossession payment! At various times XXXX has called this payment an Early Termination Liability ( even though they claim the lease past due ), a repossession payment and a drop off and grounding fee. In any event these claims are legally and factually incorrect and are requests for unconscionable and usurious payments. I ask for XXXX to cease and desist the erroneous claims of repossession, stop the harassment and to pay me the amounts described in the attached Demand Letter dated XXXX. 

In a conversation with XXXX on XX/XX/XXXX they acknowledged that I returned the car on XX/XX/XXXX. Nevertheless, XXXX says they deem the car repossessed. They say so because they assert my lease was past due at the time I returned the car ( which is also odd because they claim I owe them an Early Termination Liability payment, which is a non-sequitur ). 

This dispute arose because when the car arrived from the factory it was defective and not driveable ( XXXX does not dispute this ) and it took six service appointment and six months to make it driveable. It has been an open issue with XXXX as to when the lease started. At various points in time XXXX has said they believed the lease ended in XX/XX/XXXX. I have asserted that the lease did not start ( e.g., the car was not delivered for purposes of the lease ) at the time XXXX purports ; therefore, the lease was not at its end in XX/XX/XXXX as XXXX purports. This has been acknowledged by XXXX ( see attached email ) : On XX/XX/XXXX, an XXXX XXXX XXXX  case manager advised that she had forwarded my email to the XXXX dealer and asked for the dealers response. In the XX/XX/XXXX email, XXXX XXXX noted that the lease is near XXXX admission that XXXX XXXX also considered the Lease as extended past the original XX/XX/XXXX end date.
Product: Vehicle loan or lease

i have a auto loan with Santander. i had been in the hospital for four months. i called Santander approximately 4 times to make arrangements to make installment payments on my car note to bring them up to date. They agreed to take weekly payments of {$240.00}, which were automatically deducted from my account, which is current. 
Because I was in the hospital they allowed me to pay {$240.00} per week to play catchup to my car payments and made them current. 

So i would like them to retract the late notices on my credit report because they knew i was in the hospital and they agreed to make payment arragements.
Product: Checking or savings account

I own a saving account with wells fargo. I am abroad and have tried every policy way to send my current money to XXXX and close my account. However, they will not do this even though, I can verify many aspects of my identity. They claim I still am not providing enough information. However, I have all original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment with Ally financial is due on the XXXX of every month. Ally financial is reporting a payment as 30 days late on my credit report from the month of XX/XX/XXXX that was paid on the XX/XX/XXXX when the payment was only 8 days late. Ally financial is also reporting my XX/XX/XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XX/XX/XXXX but Ally financial knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XX/XX/XXXX and on XX/XX/XXXX. Ally Financial is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.
Product: Consumer Loan

Advance Financial has automatically debited my account for XXXX payments on another persons account. I helped this person out previously by paying her payment. However, I was never co-signer and I am not responsible for her account. Without my permission they have withdrawn XXXX payments on 1 day for her account. I would like to know if there is anything I can do against this. at this point they are saying they can refund me in 3-5 business days, but in that time i have bills due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Lowes Credit Card double charged me on XX/XX/2021 for same purchase. I have only made 1 purchase for {$300.00}, but Lowes charged 2 of the same transaction amounts instead. I have requested a dispute over the phone around XX/XX/XXXX. On, XX/XX/2021 I have received Lowes decision not in my favor and said that they would not return my funds to me. As proof they have attached 1 receipt for the 1 valid {$300.00} charge that I made and the second receipt for {$450.00} completely different charge. Lowes has not provided we with receipt for the second {$300.00} charge that they charged me. And refuses to re-investigate. They keep referencing the wrong receipts.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has ben received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed is that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

Hard random inquiry on XX/XX/2024, and today on the XXXX of XX/XX/2024 was contacted and asked if i was on the phone with the credit card company which i was NOT. I had XXXX notifications and responded with no i was not me contacting the cred card company Capital One.
Product: Credit card or prepaid card

PayPal prepaid masterCard. I put {$80.00} on this card cash at a grocery store so I can use this card online and they took my money. It's been three weeks now and I could not activate this card so I can use it. Customer service keeps telling me I will get a check refund but it has never came. I keep getting the runaround on phone and email, only to find out that they still refuse to send my refund check. They refuse to give me my {$80.00} back. I feel like they are a scam.
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit report. I have sent in many disputes regarding inaccurate information, wrong personal information. i have a collection that has been reported inaccurately on my credit report. There is collection bought by 2 different debt collecting companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Both of these companies are reporting the debt to my credit report and both companies have different amounts. This is inaccurate information reporting to my credit report. Under the FCRS. Credit bureaus must maintain accurate and up to date information. This needs to be removed immediately off of all credit bureaus
Product: Payday loan, title loan, or personal loan

This company and another have been calling me non stop for 6 months now ive had credit card charges that i didnt make that have been happening for a long time but these companies keep calling me and keep saying i owe them money and i keep telling them i sont have a bank account even but they insist i owe them and are now saying i owe them XXXX to XXXX XXXX a piece and i never have had an issue with identity theft untill i moved to XXXX 8 months ago but i need some sort of assistance with all this fruad going on i know my loans i know my accounts but this is getting out of hand i cant afford to pay these one of the companies said they were mobi loans and the other is XXXX XXXX loans
Product: Credit reporting

I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in   XX/XX/XXXX   I had a water main burst on my property, which caused my crawl space to flood. This caused quite a bit of damages, which my homeowner 's insurance refused to cover. I had several companies give me quotes for repairs, and settled on  XXXX   XXXX   XXXX  because they were the only ones who offered a payment plan.     I first had my load processed with  XXXX   XXXX , and my payments started  on  XX/XX/XXXX .  The interest rate was something ridiculous, ner 18 %. I paid a large lump sum payment on my first payment, and my plan was to refinance the loan with another company for a lower rate. This large payment essential paid my account forwa rd 2-3 years as well. The first problem arises on my CBR, showing a debt of over 20k, whic h is incorrect. My loan was only for  XXXX . I have attached a document with a screenshot of this information. I have filed a complaint on this with the CO Attorney General on this matter.     Afte r 4-5 m onths,  XXXX  transferred or sold this loan to  XXXX   XXXX   XXXX , who claim I misse d 3 pay ments, and then charged off my loan. I have attached a second document showing this on my CBR as well. Loans I thought were only to c/o aft er 180 days  of delinquency? This loan o nly shows 3 miss ed payments, which I do not believe were missed as the lump sum payment I made in the beginning should have still covered the period when the loan charged off. Showin g  XX/XX/XXXX .      I have been trying to get this issue resolved for almost  2    years. I have n't received a bill in nearl y 3 ye ars, and in the past it had been nearly impossible for representatives for  XXXX   XXXX   XXXX  to locate my acct when I called in etc. In the time since the loan charged off I finally received a few phone calls, and set up a payment plan with the company ; however after months of being on the plan I received a letter stating, they can no longer auto debit my acct. I tried to contact the company and had the same issues locating my acct. Until recently I have n't heard from  XXXX   XXXX   XXXX  until recently I began getting calls again, and the loan is showing delinquent on my CBR again. The loan has not been sold to  a 3rd part y, its still with  XXXX   XXXX   XXXX  and when I spoke with a supervisor they said there was nothing on my account in regards to the payment plan I had been on for months.     I think this is wrong, and I need someone to help me with this issue. As I said earlier I have been trying to rectify this for quite some time, I have n't received a bill in n early 3 years , and never received a final demand letter etc. As you look into this I think you will find some wrong doing or negligence on   XXXX   XXXX   XXXX  s part, along with incorrect  CBR  reporting. Any help or advice would be much appreciated. On the attachments I have provided you can see the incorrect balance reporting ( difference between  XXXX  amount and  XXXX   XXXX   XXXX  ) and where it shows I only miss ed 3 payment s, then the loan C/O.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX # XXXX Closed Accounts XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX IN {$3500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the report by XXXX  years. 

XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) 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
Product: Money transfer, virtual currency, or money service

Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violations.
Product: Credit card

On XXXX XXXX 2015, my Capital One CC was fraudulently charged XXXX XXXX times at the XXXX XXXX ( I do not have a XXXX account ). While the CC has ( temporarily ) reversed charges, they do not seem all that interested in investigating over XXXX of fraud. XXXX will give me no information and the local PD has taken a case report but is not investigating.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Removal of Incorrect Address from Credit Report To Whom It May Concern : I am writing to file a formal complaint against the credit reporting agencies XXXX, Equifax, and XXXX regarding the inaccurate reporting of my address on my credit report. 

Details of the Complaint : Incorrect AddressXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have noticed that the above address is incorrectly listed on my credit report. I have never resided at this address, and it does not pertain to my credit history. This erroneous information is negatively impacting my credit score and my ability to obtain credit. 

I have previously contacted all three credit reporting agencies to dispute this inaccurate information. However, despite my efforts, the address remains on my credit report. I have provided all necessary documentation to support my claim, including proof of residence and identification. 

I am requesting that the CFPB assist me in ensuring that this incorrect address is removed from my credit report as soon as possible. I believe that the continued presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information.

**Resolution Requested : ** - Immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit reports with XXXX XXXX Equifax XXXX and XXXX. 
- Confirmation of the removal in writing. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX