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

I am writing to file a complaint against Carvana LLC regarding a recent transaction I had with them. I am a customer who recently purchased a vehicle from Carvana. XX/XX/XXXX, I have contacted Carvana 's customer service department approximately 4-5 times since my purchase, primarily inquiring about the excessive down payment that I made. During my initial call, the representative acknowledged that there was indeed a mistake, and the down payment should have been around {$2600.00}, significantly less than what I paid. 

Despite being assured of a refund, subsequent calls to Carvana have left me frustrated and without resolution. Furthermore, upon further review of the contract with my accountant, it has come to my attention that there are several discrepancies and incomplete sections within the contract. 

One concerning aspect is that the contract was signed electronically via XXXX, a platform that restricts consumers from entering responses in fields other than those required. This limitation leads consumers like myself in the wrong direction and leaves significant room for error or misunderstanding. 

I believe that Carvana 's practices in handling this transaction are not only unethical but also potentially in violation of consumer protection laws. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and appropriate action against Carvana LLC.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

to whom this XXXX concern i XXXX XXXX living man of XXXX have made complaints on all the top XXXX credit breaus due to innacurate reporting on my consumer report and identity theft i had a data breach with XXXX and experian in XXXX and XXXX. XXXX, XXXX, check system, experian, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX i have innacrate information such as dob, name, old address, inquires that i didnt make or give someone permission to do. 15 usc 1681 consumer rights to privacy. 15 usc 1681 a rules of construction 15 usc 1681 b accuracy of XXXX usc XXXX civil liabilty for willful XXXX usc XXXX XXXX act of XXXX my peronal information has been used without my permission using third parties entities without my knowledge or written consent. 15 usc 1681 section 602 states there is a need to insure that consumer reporting agency excercise their grave responsiblities with fairness, impartiality, and a respect for the consumers rights to XXXX XXXX XXXX ( b ) ( c ). i did a ucc XXXX search on my name and i dont owe any debt also due to XXXX XXXX of XXXX.
Product: Credit card or prepaid card

In XXXX I owed under 400 dollars my limit is XXXX dollars. I have always paid my balance in full until XXXX XXXX XXXX committed fraud charging my card over XXXX dollars which the auto insurance paid them then my XXXX XXXX account had some fraud activity which the account was closed So 2 payments had to be rejected Capital one knew the problem and charged those payments after I told them to stop the payments They are making me pay money for something I didn't owe They are cheating me and I want this corrected
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. 

XXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX # 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 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 or 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

XX/XX/year> XXXX charged my card with information from XXXX XXXX  WITH OUT MY CONSENT. IT RESULTED IN A CREDIT 29-60 DAYS LATE. THEIR MANAGER XXXX ( CUSTOMER SERVICE MGR ) SAID THEY XXXX XXXX  GAVE THEM XXXX MY ACCOUNT INFORMATION. 
I THINK THAT'S ILLEGAL.
Product: Credit card or prepaid card

On XX/XX/2018 I logged into my Citi account to make my monthly payment on the two credit cards I have with them. One card is due on the XXXX, one is due on the XXXX. I made payments to both cards that day. In the past with Citi, I had an issue with my payment not going through on one other occasion roughly a year ago and was assessed a late fee of {$25.00}. At the time, I was relatively certain ( but not 100 % ) that I had made the payment but I paid the late fee since I couldn't say with absolute certainty that I had. Since that time, I have been extremely vigilant about making sure my payments say they are processed when I make them. I can say with 100 % certainty that both payments made onXX/XX/2018 were submitted properly. 

I received a call from a Citi representative on my cell phone at work today. I was informed of the past due amount and when I told him that I had made the payment, he told me that the last payment was made inXX/XX/XXXX. I told him I would look into it and get back with them this evening. He kept going on and on, so I disconnected the call. 

I arrived home and logged onto my account and then engaged an agent ( XXXX ) via the chat feature. I gave him the information he requested, he said he would initiate an investigation, and I asked him to wave the late fee and I would make another payment right now. He told me that he was unable to do so and here we are.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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 XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX Account Name : OFFICE OF THE ATTY GEN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX, XXXX XXXX XXXX Account # starting with 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 an account without my written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another complaint submission that I am filing to inform Experian, XXXX and XXXX Bureaus that I am a victim of identity theft and I sent this submission to dispute certain inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved, the thing is the 3 credit bureaus HAVE NOT TAKEN ACTION to remove any of the specified fraudulent inquiries that I have requested them to remove from my file, even after I did a follow up notification to them they have neglect to remove any at all. Please once again block and remove the reporting of these inquiries from my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. And I have doubts about the reporting accuracy on these inquiries that you presented in my credit reports. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. These are the list of inquiries I want the 3 Credit Bureaus to remove : EXPERIAN : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX My full DOB is XX/XX/XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Payday loan, title loan, personal loan, or advance loan

Per my loan payment agreement for automatic payment, the loan is to be paid on the due date ( the XXXX of each month ) or the following business day. I had to contact them several months ago when the loan was taken from my bank account two days early, in XXXX XXXX  for the XXXX payment. I was told, " Oh, it's your bank. We send it to come out on the XXXX ''. According to my bank, that is not correct. The loan amount was, again, deducted early from my account this month. This is not a primary bank account and, if we plan on transferring the funds into that account the weekend before the payment is scheduled, and it is deducted early, we have to pay fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act XXXX All of these accounts have 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I had this account in 2008 it keeps updating. It is no longer an open account.
Product: Credit card

Set my B of A credit card account to automatic payments every month indefinitely. I received a notification from my XXXX subscription that my score had dropped significantly. Look online and no automatic payment to be found. I then process payment immediately and refer back to my emails associated with my account and see confirmations for automatic payments processed every month from XXXX but nothing for XX/XX/2024. There was also no email stating that automatic payments would end or be terminated. This to me appeared to be a system error but B of A did not treat it as such and instead penalized me for it. In the 12 years I have been establishing my credit, I have had no delinquency in my accounts. B of A caused a significant drop in my credit score and available limit. I went from a XXXX to a XXXX overnight. I will not take this lightly since your credit means everything.
Product: Credit reporting or other personal consumer reports

I have unauthorized activity on 8 open accounts. XXXX XXXX XXXX account XXXX late payments account updated payments {$11000.00}. false update past due as of XX/XX/year> client did pay {$380.00}. XXXX XXXX account XXXX {$980.00} closed collection account didn't give permission to sell this account. XXXX XXXX XXXX sold unauthorized account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX sold my information without my permission. XXXX XXXX XXXX XXXX XXXX XXXX sold account without my unauthorized account. XXXX XXXX XXXX XXXX sold without my permission. XXXX XXXX XXXX XXXX debt buyer sold without my permission. Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

debt was written off XXXX XXXX 2000 15 years ag0. resurgent capital servives now trying to collect.4 year statute in California..do I need to pursue legal action to get this stopped?
Product: Credit card or prepaid card

I believe Chase is deliberately holding onto credit card payments in order to fraudulently charge late fees. On XX/XX/XXXX, I mailed my credit card payment which was due XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my credit card payment had not been received. I called XXXX and had funds transferred from my checking account. On XX/XX/XXXX, I called to have the late fee reversed. Miraculously, they found the previously-written check on the very night I called ( sometime in the hours between the late afternoon of XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX. I do n't believe in coincidences. I think they know I would have verified that my check had cleared and thus they had to apply it to my account ... or go through an auditing procedure to find out exactly where they put that money. I think they are doing it to collect late fee payments even when payments are made well within the deadline. I closed the account. This is the second time it has happened with Chase within two years. It has never happened with any other bank or credit union, and I have held credit card accounts since XX/XX/XXXX.
Product: Debt collection

In your response to my complaint you stated : " Our office received an assigned account from the creditor XXXX XXXX with respect to this consumer in XX/XX/2016 for recovery of unpaid auto insurance premiums. Please note the balance due is not owed to Caine & Weiner. '' If the balance is not due Caine & Weiner. Why are they reporting on my credit report? This is false, misleading and harmful. 
You are in violation of : 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS.As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these suspicious items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX the listed items are UNKNOWN to me. you are required to remove/block any accounts or information not later than 4 business days Ive already included this in my previous complaint & I am including it again., c
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX   XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and TransUnion both have sent results based off the information you provided to them. Please see the information below : XXXX RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX UPDATED THE BALANCE TO {$1700.00}. 

TRANSUNION RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX  ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX