23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX finance refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.
Product: Credit card or prepaid card

I lost my Bluebird AMEX. This card was use as a pay card and I went to the website and cancelled and requested a new card. After waiting the 7-10 business days i did not receive a card. Then I called the company to ask where is my card only to discovered it had not been cancelled and all my money was spent. The agent advised me in these cases we should call them although it offered to cancel and request new card on website. I proceeded to began the dispute process. The most disturbing thing of it all is when your transferred to the Fraud department the agent comes on and repeatedly calls your name and says hello, says they cant hear you and disconnects the call. This happened twice before I asked for the direct number. All of a sudden with direct call they can hear fine. I was advised to wait 10 business day for provisional credit while it may take 45 to complete investigation. On the 10th day I received an reject of dispute email. And of course when called to transferred to fraud dept. they could not hear me until I called back direct. The dispute is on going. The lost card resulted in {$230.00} loss at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.
Product: Credit card or prepaid card

Back in XXXX I got fraudulent activity in my card. I contact the credit card to reconcile the transactions that were fraudulent and since then there has been a lot of messages related to that and I do not understand what was going on. the last electronic message was last week ( XXXX ) related to that. 
I have been waiting to close completed my credit card so I can make sure I can see any additional activity. 
Yesterday I called Citi Credit Card to 1 ) ask what is going on and 2 ) close my account.

I spoke to the manager of the call center ID number XXXX and she said the fraud department is the only one that can tell me about the fraud activity and they were closed. i explained I need to understand if everything is OK so I can close my account. I also explained I do not plan to keep the credit card and an annual fee was charged. I asked her to give me options to figure out what was going so I can close my account because I don't want to pay the {$100.00} fee for a card that can't help me resolve fraud issues when it happen. 
She was really rude and told me that I have no options and I must pay the fee and balance before closing my account. 
It feels like the credit card company is delaying solving my problems so they can charge me {$100.00} before closing my account.
Product: Credit card

I have been using Capital One Credit card for awhile now. I have always made my payments through their payment portal system. I went to make a payment in XXXX of 2024 and seen my payment was proceed but continues to sync and never gave me a confirmation of payment. I realized at end of XXXX, that my credit was marked as late. I called Capital One Spark customer service and disputed the late payment and they would not take accountability for their system being flawed. I have no late payment history with this company and feel my complaint or concern was not addressed properly and the customer service would not honor their mistake and fix the late payment repotted to my credit or statements.
Product: Debt collection

On XX/XX/XXXX, XXXX sent me a bill of {$1000.00} with multiple charged utilities, so they did not return {$500.00} deposit but also charged me {$540.00}. XXXX sent collection to FCO after I refused payment because lack of evidence. As a result, I sued XXXX on XX/XX/XXXX, in XXXX XXXX XXXX XXXX, XXXX. XXXX opens on XX/XX/XXXX. 
On XX/XX/XXXX, I made a formal request to FCO ( Collection Company ) for detailed evidence that every item in the debt should be charged. FCO responded with a 58-page document, with XXXX pages of indirect documents, never explained reasons any item in the debt should I pay for the company. The other 42 pages are irrelevant documents. 
I requested FCO for more evidence on XX/XX/XXXX, but the specialist used threatening voice and said : " I don't have sufficient document to prove the debt. That's all we have. But if you don't pay, I will deduct your credit score. '' This response was illogical. 
On XX/XX/XXXX, I contacted FCO again using clear voice and language that I have sued XXXX, so according to laws in FDCPA and RFDCPA, they are legally to pause collections. I said at least 5 times. But the specialist did not listen a word and threaten me again to damage my credit score. 
On XX/XX/XXXX, XXXX have ALREADY recorded my collection and damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email stating that I was denied a loan. I never applied for a loan or gave the company my information or permission to run a credit report in my name. I've attempted to contact the company to resolve the issue and they refuse to respond to me and my request for information. I've been attempting to contact them since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rather than respond to my disputes listed below, Equifax removed a promotional block from my credit file XX/XX/XXXX, then claimed on the very same day ( XX/XX/XXXX ) it couldn't find my file to place a fraud alert THAT I NEVER REQUESTED ... Please see the included mail. This violated the FCRA in the most ridiculous ways ... How is it that the core disputes are not addressed at all ... This smacks of a delay tactic ... 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
Product: Credit card

e : CFPB Submission # XXXX I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, XXXX XXXX XXXX, who resides XXXX, I have closed all but XXXX of her many credit card accounts following the death of her husband. However, the bank that issues the XXXX credit card ( U.S. Bank ) refuses to close that account ( ending in XXXX ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I have furnished all relevant documents to the bank, at its request, documenting my status as her representative specifically empowered by the PoA to close her financial accounts. I even have provided a medallion-stamped attestation of proof of identity signed by the XXXX XXXX XXXX where I do my personal banking. ( I have sent copies of all correspondence to CFPB at the time they were mailed to the bank. ) Meantime, U.S. Bank has sent her a new credit card on the account ( which I have shredded ), increased the credit limit and is mailing monthly statements which, while showing XXXX balance, spell out the account number in full. As my aunt 's financial representative, I am responsible for paying her very substantial monthly full-residential-care and medical bills, a responsibility I take very seriously. For that reason, I have worked diligently to make sure that all of her credit card accounts are closed and to eliminate risks to her financial solvency. At the same time, I am protective of my own personal identifying information, which I do not share with financial institutions other than my own. Please let me know if you require additional information/documents to proceed with this formal complaint. Thank you.
Product: Checking or savings account

Fraudulent accounts were open or attempted to be opened on two occasions : -Opened on XX/XX/XXXX and closed in XXXX. 
-Attempted to be opened XX/XX/XXXX, no response from the bank once I reported this was a fraudulent attempt
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by XXXX XXXX.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report due to ongoing inaccurate reporting, despite multiple disputes and prior involvement with the CFPB. On XXXX XXXX XXXX XXXX XXXX  Self/LEADBANK claims to have done a thorough investigation and verified the information on my account as accurate. The Date of First Delinquency ( XXXX  ), is clearly inaccurate showing I was 30 days late in XXXX as well as 30 days late in XXXX this is clearly not accurate even though it has been paid in full and marked as " Paid and Closed. '' This continued inaccurate reporting does not align with the Fair Credit Reporting Act ( FCRA ) requirements. Under 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation when a dispute is filed, and under 15 U.S.C. 1681e ( b ), it must ensure that all information is accurate. The persistent misreporting of this account, despite my efforts to correct it, violates these provisions and warrants deletion from my credit report. I am disputing the inaccurate reporting of the Self/LEADBANK account number XXXX XXXXXXXX the account shows two different delinquency ( 30 days ), which is misleading and impossible. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure accuracy and correct or delete information that is inaccurate or unverifiable. The repeated XXXX ' days delinquency suggests multiple XXXX, which is inaccurate since the date of first delinquency was listed as XXXX XXXX XXXXXXXX. This ongoing inaccurate reporting constitutes a violation of my rights under the FCRA.
Product: Vehicle loan or lease

It is to the best of my knowledge that the Retail Installment Contract between PRESTIGE FINANCIAL SERVICES ( PFS ) and myself is null and void. PFS as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX is committing fraud. It is usury for the are illegally collecting a profit in an extended an improper sense for its own use. Failure to disclose my Right of Rescission and failure to disclose other important rights concerning the consumer credit transaction, not being, nor acting in good faith with the attempt to defraud me within the process. Tender of payment has been made to settle the debt and releasing the credits associate with the contract/consumer credit transaction, they refused to accept it and did not send the securities back. They are committing Securities Fraud, Usury, Mail Fraud, and Identity Thief, attempting to be me in the process acting as the Beneficial Owner and beneficiary over the contract. Holding a Fraudulent Lien against the property without being the true owner. Only the living can own property! It is a False Entry and False Registry! In order for this contract to be bonding or lawfully valid there must be at least : wet ink by both parties and true validation of a debt. Evidences they can not be provide, making this contract null and void and the debt, no longer my obligation.
Product: Credit reporting or other personal consumer reports

Since XXXX  I have been fighting this issue when either in XXXX this school was deemed fraudulent. 

XXXX XXXX XXXX XXXX XXXX. these loans where deemed to not be valid since the school was fraudulent. these loans are still on my credit report as well as my check has been garnished for these same loans by a debt collector
Product: Prepaid card

I received a letter from PNC Bank today, XX/XX/XXXX, stating " Here 's your NEW Prepaid Card! NOTE : your ACCOUNT ACCESS CODE is the last XXXX digits of your Social Security Number. USE the ACCOUNT ACCESS CODE to activate your card and obtain account information. Who sent this to me? I never asked for it. Somewhere later in the XXXX pages of information in the mail I received it said to call with the last XXXX digits of my SS number and the number on the XXXX Debit card which is XXXX XXXX XXXX XXXX with text " good XXXX XX/XX/XXXX and XXXX XXXX '' There was no information about me when I entered these XXXX items, ss and card numbers. So is this all just a scam to get more personal data on me by making me visit www.prepaidcard.com, giving my personal information, getting a pin in response. SCAM! Who gave me a prepaid card? How much is on the card, something or nothing, How can I tell without going through the entire process of activating a card I never asked for and do not want! Another text on one of the pages said to complain to CFPB and gave the web address as cfpb.gov/complaint BUT do a google search for the Consumer Finance and web address is not XXXX but XXXX  leading to more confusion and disbelief. Automatic voice response when you call the telephone nuber PNC Bank supplies in the letter and it talks about consumerfinance.gov Why 2 different web addresses?
Product: Vehicle loan or lease

I sold my vehicle to a XXXX dealership in XXXX, CA on XXXX XXXX 2020. At the time of the transaction, XXXX called Lexus Financial to get a payoff on my lease. The payoff quote was good until XXXX XXXX, 2020. XXXX dealership subsequently paid my lease off on XXXX XXXX, 2020. 

On XX/XX/2020 I called Lexus Financial to confirm the lease had been paid in full. Their automated phone system said the account had a balance of {$18000.00} and my account was past due for XXXX XXXX, 2020!! 

After being placed on hold for over 20 minutes on two separate occasions and being transferred to three different departments did Lexus Financial confirm my account was indeed paid in full. I asked their resolution department to send me a letter saying it was paid in full. They sent me a letter within minutes, but it said I purchased my vehicle and they were waiting for the funds to clear, neither of which was true. 

I called again on XX/XX/XXXX and again on XX/XX/XXXX, only to be placed on excruciating long holds and to get no resolution. Each time I called they ask approximately XXXX questions to " confirm my identity ''? Never have I experienced such exasperating treatment. I can not get anyone at Lexus Financial Services to assist me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX has access to my reports without authorization. Theyte updating fraudulently with information that's not accurate and it's effecting my score by dropping over 200 points. The contact information they have on me is inaccurate and the account where payments were made is closed. 
My correct phone number is ( XXXX ) XXXX. 
Email : XXXX Mailing : XXXX XXXX XXXX XXXX XXXX Thanks
Product: Credit reporting or other personal consumer reports

I looked at my TransUnion report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. According to 15 USC 1681s-2 they are supposed to 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On several occasions I contacted Navient regarding my payment being too high. I am a XXXX XXXX XXXX and they told me O do not qualify for loan forgiveness although I met all criteria. I asked for a lower payment and they quoted me a payment that was the same as my current payment. I am not making payments right now but they insisted I take a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I attempted many times to contact Sequium Asset Souloution located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX via phone, mail and email but I can not get in contact with a single employee. I have 2 accounts that are fraudulent on my credit that are due to my identity being stolen. The first account was opened on XX/XX/2018 for the amount of {$710.00}. The second account was open on XX/XX/2018 for {$1200.00} which both are in collections. I have obtained a police report and forward it to the XXXX credit reporting agency but they can not remove the charge from my file stating that I have to deal directly with the creditor, I had other fraud charges on my credit report that were cleared up with the police report but Sequium Asset solution is the only company left and After many many attempts I can not get a hold of a single employee. The company never even contacted me to let me know that I have a past due account not one phne call letter in mail or email. Also there are 2 address on my report that are associated with the the 2 accounts that are fraud, I would like the removed also.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
Product: Credit reporting or other personal consumer reports

A review of my Equifax credit report revealed inaccuracies XXXX XXXX is reporting inaccurate information to my credit report. Allegedly it is reporting a chargeoff for Progressive account number ending in # XXXX negatively however it is paid. 

The company is XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I was approved for a XXXX dollar cash advance that had to be paid back on the next payday which is XXXX. This information was on the app, and I had two more days to pay it back. XXXX fraudulently took XXXX of the only money I had in my checking account out this morning ( XX/XX/XXXX without authorization and left me with a XXXX balance. I was embarrassed at the gas station and needed the last few dollar to get me through until payday. I had a repayment date for XXXX as I had to connect my bank account through plaid which states when deposits are in my account. I ended up receiving some money through another means and it was in my checking account. Beem ended up taking the money out without notification or authorization and stated that was in their terms because I did not have a scheduled pay due date. This information is false and I want my XXXX back as well as the account closed, and also I would like compensation for the unethical practice and fraudulent activity they did on my account.