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

I paid my entire lease and have a letter from them that everything is paid but looking at my credit report it seems that they are saying that I did not completely pay or end the lease. How can I get this removed from my credit as the car has been returned for over 8 months and I have never been late on any payments? I over paid them and they sent a check last month for an overpayment of {$750.00}. This is for a lease for a Volvo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor their agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cancelled my subscription for credit monitoring with equifax in XX/XX/2021 on their website when the changed the product to the new complete family plan. Received an email on XXXX XX/XX/2021 stating a cancel request was put in. Since being of XXXX I have received 9 different emails saying my payment failed to process and to call or go online. I called them on XXXX XXXX and they confirmed that my produvt was cancelled and no payment was due. Since then I have received 4 more emails stating payment was processed and to call or go online. I called again on XXXX XX/XX/2021 and the person who answered asked weird credit questions to authentic me from years ago that I was unable to answer. So I asked for the ticket to be sent up to a manager. Since then I have received 2 more payment emails. This is harassment and this company needs to stop immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act... 
XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Hello, This complaint is on Navient. I have been trying to work with them. I lost my job in XXXX and was unemployed for 4 months. Upon calling them they wanted to run a credit check which makes absolutely no sense for them to need to check that to prove i was unemployed. They never really give any form of leeway to people that are trying to give them something!
Product: Credit card or prepaid card

I opened an Amazon Prime store credit card on XX/XX/XXXX. It is issued by Synchrony   Bank. I linked this card as the form of payment when I shop on Amazon.com. I used it to purchase several items over the past few months. I used the return and item feature on Amazon to return some items and used the return shipping label provided. Instead of Amazon refunding the returned item to my original form of purchase ( Amazon Prime Store card ), they created an Amazon gift card without my knowledge and put the refunded amount as a balance on the gift card instead of crediting my Amazon Credit card. I contacted Amazon today XX/XX/XXXX and talked to XXXX- a supervisor who told me that they can not apply the gift card balance to my Amazon credit card! So, I am left with a credit card balance that I must pay to avoid interest charges on several products that I returned and the only way to get my money back is to buy more products from Amazon with the gift card balance which I never agreed to! I am furious that Amazon would do this to consumers and Synchrony bank should be responsible as well because there is nothing about this in the credit card agreement. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX  Account # 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. Also states a consumer reporting agency can not furnish a account without my written permission.
Product: Debt collection

You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

[ Violation of 15 U.S. Code 1692e ] - False or misleading representations - GENESIS CREDIT MANAGEMEN - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had a refund pending transaction in the amount of {$990.00} on my pay pal account and I was informed that I should be expecting it to be available within 7 business days. So I wasnt too worried about it until the days got closer to it being available. So on XX/XX/year> the refund had been available on my account but I wasnt informed or anything so I didnt know it had cleared within that short amount of time especially with it being that large amount I didnt think it would clear so quickly that it did. Long story short I had went to this birthday party I got invited too and some how my phone had gotten stolen from my back pocket without me even realizing it and this person had went into my phone which didnt have a lock on it or pin set up so they were able to make their way into my phone and transferred money on my account to another account I had linked to my pay pal account in XXXX  separate transactions. First one being {$200.00} then second one was for {$500.00} and the last one being {$290.00}. Later on when I noticed my phone was missing and I couldnt find anyone to help me at the moment to allow me to track it right away I had to get home and ask my sister to allow me to login to findmy account and get my phone back. I did end up tracking my phone by the app and went and retrieved it which I found in public restroom at a park across the street from an apartment complex. I was able to get my phone back but it wasnt till I soon realized that I had been robbed of most of my money in multiple accounts I had on my phone. I didnt think if I had called the cops they would even be able to find out who dis this to me so I didnt even bother calling 911 also because I had found my phone so yeah. You dont even understand how frustrating it is having to go through this especially when XXXX is so close and I was expecting to use that money for gifts and stuff like that and now I cant get nothing because of this situation I found myself in Soon after I reached out to all the accounts this person had withdrawal money out of and filed multiple disputes pay pal being one of them and within less then 24 hours they emailed me informing me that no unauthorized access had occurred and that they had denied my claims so then I went ahead and filed an appeal and again they did the same thing. I couldnt find anything else to do in this situation I mean thats almost {$1000.00} I had stolen from me and I really need it back for the holidays coming up my family is expecting gifts from me I wouldnt even know what to say if I couldnt get them anything its like a parents worse nightmare. Please help me get my money back pay pal dont seem to help me with this
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I noticed inaccurate accounts on my credit report. I have no idea how this could happen. I check my report frequently, and Ive never encountered discrepancies like these before. I tried refreshing my browser to see if it was a glitch, but the wrong accounts remained. I need the documents Ive sent to be thoroughly reviewed so that I dont have to worry about this again in the future.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Transunion to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Transunion present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a thorough investigation on my credit report and seeing and seen Experian was reporting in accurate addresses listed on my personal information. I called to dispute the information that wasnt accurate on my credit report such as the three addresses that I have never seen and I asked for Experian to remove them I send a dispute letter by mail with a copy of my ID, social Security card my insurance card to verify in result the issue wasnt resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

After being contacted by XXXX  three times, the last being XXXX, Toyota Motor Credit Co ( Account XXXX ) refuses to remove reference to Chapter XXXX filed over seven years ago.
Product: Student loan

My account with Mohela was put into deferment without my request. They said that they were suspending the payments in may due due to the transfer of Mohela loans to the Department of Education, but then put my account into deferment in XXXX. 

I am a teacher working towards PSLF, and this is going to set me back in loan forgiveness. 

I submitted a complaint about this and asked that it be seen by the FSA ombudsman, and they have not done this.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHEMENTS - I JUST CHECKED MY CREDIT FOR THE FIRST TIME AND REALIZED I HAVE BEEN A VICTIM OF THEFT AND DATA BREACH THERE ARE INQUIRIES THAT ARE NOT MINE NEVER APPLIED AND FILLED ALSO AN IDENTITY THEFT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE HELP ME THIS IS WRONG
Product: Debt collection

Opened an account with XXXX XXXX  in XXXX XXXX XXXX, FL. was opened in XXXX then canceled this account the very next day by phone call to the sales representative, was told to email the wish of cancelation which was done the same day and by hand delivering a written statement of cancellation 2 days later to the sales representative XXXX in office. Nothing more was heard from this company until a few years later on or about XXXX when I had our credit pulled. I disputed with all credit bureaus, and it and it was removed. Now it is back on my credit report as of XXXX of XXXX as a new account. I have made every attempt to have this straightened out and removed, but XXXX XXXX just run me around to collection companies that are not in service and say that this account no longer belongs to them and gives me numbers that are no longer in service one being XXXX XXXX   which is XXXX XXXX, the other is XXXX XXXX XXXX XXXX and finally now it is with Security Credit Services. I do not understand how the file can be removed and then reapplied years later by selling the account as default/delinquent when it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Arstrat Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the XXXX. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
Product: Debt collection

XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.

I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.
Product: Bank account or service

I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.
Product: Credit card

I was out of work due to XXXX and incurred late payments XXXX XXXX XXXX. I started back working and brought my account current in XXXX of XXXX and have not had any late payments since. I contacted Capital One on XX/XX/XXXX via email requesting a review of my account and to see if the lates could be removed since were due to my loss of employment because of XXXX. My request was denied even though they were added due to the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Portfolio Recovery A I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Checking or savings account

XXXX Concerning the above, the company has refused to honor the {$400.00} sign on bonus. The XXXX bonus was never mentioned in the paperwork I signed, although it mentioned the XXXX minimum deposit that we complied with. On the 38 pages of disclosures we never seen the promised deposit of the XXXX. The bank refuses to answer my calls and emails. The bankers never presented a durect deoosit slip. They never mentioned the terms of the bonus. In three occasions.