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

On XX/XX/XXXX I bought a used XXXX XXXX XXXX from unique imports auto dealership in XXXX Arizona. I financed the car by putting {$1500.00} down at the dealership and financing the rest ( XXXX ) The bank that supposedly had given me financing is XXXX financial. 
I drove the car back to XXXX where I was staying and the car broke down. On XX/XX/XXXX I called the bank informing them that the car was broken and I no longer wanted the loan and they said good to know, we actually denied your loan a few days ago and we informed the dealership and they should have come to take the car back already. I asked if anyone was going to inform me of this, and they said no they had informed the dealership that the financing had not gone through and they expected the dealership to come and repossess their car. 

The only thing that it says on my paperwork that I needed to do in order to go through with the loan is that I needed to be available for a telephone interview with the bank, which I did before leaving the dealership. The bank called me and asked me some questions and then said I was good to go, I had a loan. 

Well, as I found out later, this turned out to not be the case. I never got an official approval *or* denial letter in the mail from XXXX They extended conditional financing to me which they later denied, but there is nothing in the paperwork I was given from XXXX or the dealership that states that the financing was conditional upon anything other than my short phone interview. 

XXXX stated they were denying the loan because they could not verify my employment via contacting my manager. I am a delivery driver for multiple apps and therefore do not have a manager. This was not noted on any of the loan paperwork that the approval would be conditional upon them contacting my manager. They only informed me of this after I had left with the car, had it for a week, and called them reporting problems with the car, which turned out to not be relevant at all since they had denied financing days before I did this. 

I was never assigned a loan number by the bank at any point, because as it turns out they never gave me a loan. The only number I have relating to this is an application number that they gave me which is XXXX V # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$480.00} to Portfolio Recovery in full with a debit card on XX/XX/2018. The Funds cleared on XX/XX/2018 from my bank account. I called Portfolio Recovery to request a reciept of my payment. I was told there is a waiting period before a reciept can be issued. I requested that the confirmation of payment be emailed to me. I gave the representative my email address. I never received the reciept. I disputed the balance with the credit bureaus and as a retaliation tactic Portfolio Recovery Associates added a negative remark, they updated the status of my account to " Derogatory '' instead of paid and " Closed. ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$970.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I had XXXX at a XXXX XXXX XXXX. One of the bills was for {$6600.00}. XXXX XXXX, my insurance company, paid {$4500.00} of this bill and on XX/XX/XXXX I was billed for the remaining {$2000.00} ( the XXXX XXXX statement attached to this complaint verifies that the insurance company paid {$4500.00} ). On XX/XX/XXXX I made two payments that totaled {$2000.00}. See attached screenshot from the XXXX XXXX website verifying payment. I have also included the EOB from the insurance company backing up the above figures. 

Last XXXX, XXXX XXXX issued a rebate to XXXX XXXX for some reason ( presumably as part of their standard business relationship, which, according to XXXX XXXX, had nothing to do with my XXXX ). A clerk at XXXX XXXX [ presumably ] mistakenly applied {$530.00} of the rebate to my account, which had been closed since XX/XX/XXXX. So now XXXX XXXX 's ledger showed that I owed {$530.00}. I explained to them why I didn't ; XXXX XXXX explained to them why I didn't ; and then XXXX sent the debt to a collector, Professional Credit Service. They contacted me in XX/XX/XXXX and I responded on XX/XX/XXXX with all the proof that I did not owe the debt, and I asked them to stop contacting me ( as I understood it to be my right ). On XX/XX/XXXX they contacted me again ( illegally? ) to try to collect the debt. I have once again asked them to stop contacting me.
Product: Credit reporting or other personal consumer reports

Experian has NON-MAILABLE addresses on my Credit profile. MY CURRENT ADDRESS IS ( XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ) THE FOLLOWING ARE NON-MAILABLE!!!!!!!! 

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 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

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as well. No notice was given which is a further violation. I am requesting that the listed inquiries be removed : 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX After sending many rounds of disputes with certified tracking numbers I am beginning to think Equifax is avoiding following consumer laws. As a consumer I request to know all the steps your agency took to ensure these items were 100 % accurate. Under USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I never received any documents which are required by law. THIS IS NOW considered a consumer violation. You ( Equifax ) were obligated to do a complete and 100 % accurate investigation on my disputes, that I sent out certified, I received results back on XX/XX/XXXX via Equifax online portal for Accounts : XXXX and XXXX and you CLAIM they came back verified? 

USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


PLEASE SEND THE FOLLOWING INFORMATION USED TO VALIDATE THE ITEMS ACCORDANCE TO USC 1681i ( 7 ) and USC 1681i ( 6 ) ( B ) ( iii ) OTHERWISE DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY accordance to USC 1681i ( 5 ) Accounts : XXXX XXXX  I would love to avoid litigation on this matter if possible. 



Thanks, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 a payment was made with my debit card for a service in which I would receive information from a company that promised to help protect my children. Between XX/XX/2020 and XX/XX/2020 I was continuously asked for more money by the company in {$5000.00} increments. None of the promises made by the company were done and their was constant excuses for the services not to be performed. In the midst of services that were to be rendered my contact person was changed and there were continual excuses and promises of phone calls and updates that did not occur. I also continued to received docusigns from the company trying to commit me to pay more and more funds to the company for the original services. On XX/XX/2020 it became apparent the company was used to scam consumers and did not do what they said they would do and a dispute was filed with Charles Schwab regarding the company stealing funds and the provisional credit of {$5000.00} was placed back in my account. 
On XX/XX/2020 I received a notification my account was overdrawn. There was no other communication regarding the dispute until that time. I called Charles Schwab on XX/XX/2020 and was told that the dispute was closed because the company had submitted a form with my signature on it ( however it is not a signature I have ever used with the bank ). I immediately submitted documentation showing information regarding the dispute. On XX/XX/2020 when I had not heard back I called Charles Schwab again and was told they did not receive the documentation that had been uploaded. I have pictures that I then sent to Schwab of uploaded documents and confirmations of those uploaded documents, along with the information showing that this company had a history of scamming individuals, and cheating them out of funds. I also provided texts in which the company owner states he did not provide a report or fullfill the obligations of the service. I have constantly contacted Schwab since that time for consumer protection as I did not receive any services paid for. I have received messages with phone numbers to contact the investigator, attempted to call, and been hung up on. It is now XX/XX/2020. I have been without funds in my checking account a negative balance for almost a month where I was very clearly scammed and have asked for help from my bank. 
Charles schwab also sent an email to those with their services stating they take fraud seriously yet my experience in this case is that they are not taking care of the customer.
Product: Payday loan, title loan, personal loan, or advance loan

This company is threatening with judgements and lawsuits. I dont know this company ; I need for them to stop sending me emails and threatening emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. TransUnion has refused to remove this account from my credit report and XXXX as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If XXXX and TransUnion does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.
Product: Credit reporting or other personal consumer reports

I am formally disputing an unauthorized inquiry ( XXXX ) on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681b. I never gave written consent to this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX an account was taken out in my name in XXXX, FL for the amount of {$5000.00}. At that time I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. 

I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, added the fraud statement to my account and removed the negative information. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and certified that this is my account. Equifax added the negative information back to my account before contacting me. To this day I have not been able to get in touch with the company that owns the debt and I have asked for proof that I own this account and have not been furnished. 

This negative information has the potential to derail my service. I currently hold a security clearance and bad credit is a disqualifying factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Debt collection

I believe that I am a victim of identity theft because my car was broken into all my personal belongings such as my social security card and my i.d was stolen.
Product: Checking or savings account

Took XXXX and say that that i don't have and close both accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are up to date for the past 11 months and credit reports shows 90 day past so and affixing my XXXX  score and ability to refinance the loans
Product: Debt collection

I was formerly a tenant of XXXX XXXX XXXX. The apartment attempted to illegally evict me ( did not notify me prior to eviction proceedings ). I have fought this eviction through HUD. We went to court against the plaintiff XXXX XXXX XXXX, to which, the case was dismissed at the cost of the plaintiff and no judgement was made against me. I contacted the debt collection company that is now managing this debt, and says she can still pursue collection for damages. They are claiming this is for rent and damages, however, it is an exorbitant amount, one of which I do not owe according to Ohio Law. She said the hearing is separate and they are authorized to pursue collection activity. She said the amount could be adjusted to reflect the amount of monies XXXX XXXX XXXX recuperated after acquiring a new tenant, however, this amount has yet to be adjusted. If the case was dismissed in court at the cost of the plaintiff, how can collection supercede a judge 's decision. Additionally, I have been unable to rent due to this disparaging item on my credit report. I am not seeking monetary relief, solely the removal of this item from my credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  XXXX Balance : - XXXX  XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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, credit repair services, or other personal consumer reports

I was behind on my payment due being on temporary XXXX for a few months after a surgical procedure in XXXX. In XXXX I received a letter from XXXX XXXX XXXX XXXX with an offer to settle my account. I was able to acquire a debt consolidation loan from my bank. In XX/XX/2023 I paid the requested amount and the remaining balance was forgiven. I'm in the process of purchasing a home. My credit reports do not coincide with TransUnions report regarding the XXXX XXXX XXXX  The XXXX XXXX  account was paid and closed in XXXX on all 3 credit bureaus. However in XX/XX/2023 TransUnion accepted a file from XXXX XXXX XXXX  reporting my account over 90 days late and derogatory. My score has been going up and down like a roller coaster on TransUnion only. I believe they are accepting fraudulent information or they are reporting fraudulent information so that I will subscribe to their subscription services to monitor my credit reporting activities. I attached a letter from The XXXX XXXX XXXX. The letter reads - your XXXX XXXX account issued by the XXXX XXXX XXXX  above has been settled for less than the full balance. You may receive a final statement reflecting your settlement payments. However, please regard any minimum payment or balance due information as the remaining portion of your count balance as shown that the top of this letter has been forgiven. Sincerely, XXXX XXXX XXXX XXXX the XXXX XXXX account is issued by the XXXX XXXX XXXX and service by XXXX XXXX XXXX XXXX XXXX 

XX/XX/2023, XX/XX/2023, XX/XX/2023 reads NR No info reported. There shouldn't be any information reported after XXXX payment because it was closed. XXXXXXXX XXXX XXXX XXXX also known as the XXXX XXXX XXXX failed to report that the account was closed in XXXX, instead of reporting closed they didn't report anything ** except for XXXX when they reported that I was over 90 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Debt collection

On XX/XX/2021, XXXX payments were charged to my XXXX business credit card, and the payment recipient 's name was later updated to Bill.com. I signed up for XXXX product to explore its potential for identifying high-value clients, but I didnt fully understand the terms of the agreement. At the time, I was new to running my business and didnt realize this decision would lead to unexpected charges and stress. 

The lack of clear communication about the payment terms left me feeling confused and overwhelmed, especially as I was navigating the early stages of entrepreneurship. While I acknowledge that I should have followed up more diligently and checked my email for clarification, I believe this situation highlights an opportunity for Seamless.AI to improve transparency in their billing and onboarding processes. 

For additional context, please review the link below : - XXXX  Review : XXXX  : XXXX