23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I PURSHASED A CAR FROM CARAVANA ON XXXX XX/XX/year> IN FULL NO LOANS OR BANKS IT WAS DELIVERD ON XX/XX/year> I HAVE ALL THE CONTRACTS THE BILL OF SALES RECIEPTS ETC ALL DOCUMENT WHEN IT WAS TIME FOR TITLE TO ARRIVE THE REPO THE CAR NOW I WENT WITH POLICE TO REPO COMPANY I GOT A COPY THE REPO ORDER IT SAY XXXX WAS LIEN HOLDER WHICH IS PARTNER TO XXXX FOR LOANS HOWEVER XXXX SAYS THEY DIDNT PUT THE REPO ORDER OM THE CAR CAUSE IT WAS PAID IN FULL SO THEY WOULDNT HAVE ANYTHING TO DO WITH THE CAR CARVANA BLOKS ME AND SENDS SAME AUTOMATED REPLY THEY I HAVE NO UNDERSTANDING NO ONE WHO CAN SEND THE ORDER TO REPO CAR CAN TELL ME OR SEE ANYTHING I SENT XXXX EMAILS XXXX CALLS FROM DIFFERENT PHONES CAUSE THEY BLOCK ME THEY SENT ME THE FUNDS BUT IT WAS FOR EXTRA WARRANTY I PURSHASED I AM CAR FUNDS AND EXPLANATION I CONTACTED THE BBB AND THEY SAID THEY WILL TRY TO WORK WITH ME BUT THEY SENT THEM SAME AUTOMATED REPONSE CAN YOU HELP ME WITH THIS SIUATION IS STRANGE I KNOW BUT IT REALLY HAPPEN THEN CARVANA HAS THE CAR ON THE APP IF IM TRYING TO SELL OR TRADE THE CAR I PAID FOR SO I TRY TO CHECKOUT WITH THAT THEY CANCEL THE ORDERS SO THIS LAST RESULT
Product: Credit reporting or other personal consumer reports

New Dispute Letter Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled personal information, which puts me and thousands of other at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Money transfer, virtual currency, or money service

I deposited XXXX XXXX ( XXXX XXXX ) from XXXX XXXX  to Binance.US. Unfortunately the memo ID was not included when I submitted the withdrawal from XXXX XXXX  XXXX replied to my support ticket and said there is nothing they can do because the withdrawal was already approved. I submitted a support ticket with Binance.US on XX/XX/XXXX and they still have not resolved my issue, and today is XX/XX/XXXX. It's been over three months.
Product: Mortgage

I applied for the XXXX XXXX program to assist me with my mortgage payments due to financial hardship. Since the application process took time, I become late on multiple months of payments. However, I was approved for the program and payment was made by the XXXX XXXX program on my behalf. The program helped to pay off the entire balance of funds due. I requested that since the XXXX application was approved, and the only really the payments were so late is because of the approval process timeline, that the negative remarks be removed from my credit report. I directly asked Rocket Mortgage, as well as, filed a claim with XXXX. I do not believe that the months that I was marked as late in payments should be put on my current report as I was approved for the XXXX program for those months. XXXX, XXXX, XXXX, and XXXX were all marked late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was used without my permission to open fraudulent accounts, unauthorized, credit inquiries and unknown residential addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have tried for over a month to reach a human at Nelnet to find out why and when they became my student loan service provider after receiving a notice I missed a payment in the mail. My loans were deferred due to currently being in school and were previously through Great Lakes. I never received notice my loans provider changed, can't reach a live person to get answers and I have tried email, fax and calling multiple times. Now I'm worried my credit will take a hit and cant get any help resolving the issue. I can't login to their website and can't even get help from their tech support team to get me logged in. Nelnet is by far a huge scam and lacks customer service.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Product: Prepaid card

I received a {$100.00} Amex gift card and have not been able to use it online. I initially tried to make a purchase though XXXX on XX/XX/2024. The balance showed a pending deduction of {$0.00} but the actual payment would never go through. It took about a week for the pending transaction to clear and the {$0.00} was returned back to the card. I tried to use it again today, XX/XX/2024 at another online retailer, and it feels like the same situation. Then I thought it needed to verify with a XXXX cent charge, so I tried to purchase a total under {$100.00}. My payment was still declined and now it seems I have to wait for the pending {$0.00} transaction to return back to the balance again. I also tried looking into the card FAQs and it stated that the card should be able to use online with my personal address, but that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender for my vehicle loan reported that my account was 30-59 days late TWICE. The two months that XXXX XXXX XXXX the finance company ) indicated that my payments were 30-59 days late are : XX/XX/2018 and XX/XX/2018. This is INCORRECT information on my credit reports. I made an agreement with XXXX XXXX XXXX for my monthly car payments to be withdrawn automatically on XX/XX/XXXX of each month. In XX/XX/2018, my payment ( admittedly ) could not be taken onXX/XX/XXXX but instead it WAS successfully withdrawn out of my bank account by XXXX XXXX XXXX and paid on XX/XX/XXXX which is EIGHT days late - NOT thirty days late. 

The payment for XX/XX/2018 was not able to be withdrawn on XX/XX/XXXX but WAS successfully withdrawn by XXXX XXXX XXXX on XX/XX/2018 which made the payment for XX/XX/XXXX 24 days late, NOT thirty. 
Technically, I have not EVER made a car payment 30 days or longer late. Credit acceptance has reported FALSE information to the credit bureaus indicating that my payments for those two months ( XX/XX/2018 and XX/XX/2018 ) were 30-59 days late. That information needs to be  CORRECTED IMMEDIATELY since Federal law states that a late payment can not be reported until it is at least 30 days past due as long as you pay BEFORE the thirtieth day mark which I in FACT DID do for ALL of the months since I first obtained the vehicle.
Product: Mortgage

XX/XX/XXXX After 3 attempts to register a complaint, I have been directed by XXXX XXXX XXXX to file my complaint with the company that the mortgage was transferred to and sold without my knowledge. 

I do not know how XXXX can not be held accountable, as they issued the attached document advising the owner of the property, who is incapacitated, and not her guardian, myself of the transfer of the mortgage. 

Please see the attached document that was sent to the address of the property that was sold on XX/XX/XXXX without my knowledge. It was not sent to me as her legal guardian. 
As I have expressed previously, my address was given to XXXX XXXX XXXX as caretaker of the property and as my mothers legal guardian. The only correspondence from Land Home Financial was sent to this address where it was never received by XXXX nor myself. 
I had no knowledge of the transfer of this loan until the property was sold at a sheriffs sale and upon registering a complaint against XXXXXXXX XXXX XXXX, they provided me with a copy of this document. Landhome financial never contacted me at any time by mail, phone nor email. All of these contact methods XXXX had on file. 

I would like to know how this property could be sold without Landhome financial ever contacting the owner nor myself as XXXX XXXX XXXX daughter and legal representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Equifax has failed to comply.

I have not given Equifax or any of its affiliates permission to use my Personal Information to obtain any court filings. Equifax has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from my consumer report.

Equifax has been provided with a letter from the courts stating that they do not provide court filings to the cred
it bureaus, this has been ignored. Equifax also is reporting an account " XXXX XXXX '' as 120 days late, which is incorrect. I am requesting the removal of this account for its inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with Sofi Lending. 

XXXX said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, XXXX is breaking the law by not blocking this information.
Product: Debt collection

A company ID 'd as XXXX from telephone # XXXXis continually calling my place of employment after they were repeatedly told to cease and desist. 
This is a 3rd party agency. They do not identify themselves other than the ID on our phone system. They are demanding payment but do not identify a transaction, company or amount. 
They are calling my employer as a method of harassment.
Product: Credit reporting or other personal consumer reports

I filed a complaint regarding inaccuracies listed on my credit report and they were reviewed and the credit bureaus listed additional files that aren't mine. Improper use of my credit and violation of the privacy act of 1949.
Product: Credit reporting or other personal consumer reports

I discovered incorrect information on my credit report, as outlined by 15 USC 16c-2. I believe this inaccurate data is negatively impacting my creditworthiness. T
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few months ago I received a call from XXXX  XXXX about a transaction taking place at XXXX XXXX XXXX XXXX  and XXXX, I did not approve the charges once I was at work. So XXXX XXXX cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXX XXXX XXXX  that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.
Product: Credit card or prepaid card

I applied for a bluebird amex online. The site said I was not approved. This is a prepaid card, no credit check. I called customer service and was told to simply go to a store and pick up a card. I did so. The store card is only a temporary card and you are to register it online. The system gave me the same message as before. We are unable to approve you, etc. I have the card in hand with my money loaded on it and I'm not approved????? I called customer service and was told it was because I was not entering valid information on the registration page. Everything I entered was valid. I am not trying to scam myself out of a card that I put my own money on. This company, however, is a scam. When inquiring to the agent that it seemed I am XXXX out of luck, she replied, " Yes, you are ''. The agents ID number is XXXX. I am able to use the temporary card with the {$5.00} that I loaded on it initially, but it can not be reloaded unless it is registered. We are back to where we started. I spent {$5.00} for the prepaid card kit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 proce 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 andXXXXXXXXfinancial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Transunion Dispute Department po box XXXX XXXX, PA XXXX Sworn Statement of Dispute XX/XX/XXXX RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/XXXX, it was received by Transunion via USPS tracking # XXXX I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this XX/XX/XXXX, you have failed to respond to my request. A copy of my original letter from the CFPB website is attached for your review. The FCRA 15 USCode Section 1681i ( a ) ( 1 ) ( a ) stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you delete and remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. If you have any questions or need additional information, please contact me at the address noted below. 
Account Number- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted an online request to XXXX XXXX XXXX XXXX to transfer {$3000.00} to my XXXX XXXX credit card from my XXXX XXXX XXXX credit card as part of a HSBC balance transfer promotion. 
I received a letter from HSBC dated XX/XX/XXXX that the transfer did not go through to XXXX XXXX, and that the {$3000.00} would not be charged to my account and any transaction fees ( {$120.00} ) would be refunded. I spoke with XXXX XXXX, and there is no record of any transfer from HSBC. 
It has been 14 days since they put an erroneous {$3000.00} charge to my account, and nothing is being done to remove it. I have spent hours on the phone with HSBC customer service in an attempt to have the {$3000.00} removed, and they have not done so. I have been told repeatedly that I will be notified when the debit is removed, and no one returns my calls. In the meantime, interest is accruing on the {$3000.00} that HSBC says that I owe them, and the additional debt is impacting my credit worthiness. 
Please notify HSBC that I have filed a complaint and want this issue resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed multiple times with XXXX/Experian/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't