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

On XX/XX/2021 I purchased a vehicle and was financed through a 3rd party bank. On XX/XX/2021 I sent an affidavit to this company and on XX/XX/2021 it was delivered. I have not received a response as of XX/XX/2021. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to CFR and USC. The first item was that the finance charge did not include the sum of all charges directly violating 15 usc 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1300usd ) in order to be approved for this loan which is in violation of 15 usc 1662. The notice provided in this contract was also incorrect pursuant to 16 cfr 433.2. With these discoveries pursuant to 15 usc 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 usc 1635 ( a ).
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, VAXXXX  ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6600.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX ACCIUNT # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX  ) XXXX Payment History This account states that I was 30,60,90 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX ACCOUNT # XXXX   Contact Information XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX  This account states that I was 30 days late however I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}
Product: Credit card or prepaid card

I filed a dispute XX/XX/XXXX it was filed with the eppi card holders on XX/XX/XXXX. But the dispute that was entered in was not the dispute I sent in. There was other things in the dispute that was not in the paperwork I sent. I had received a paper from the fraud service department and they stated that I had submitted {$1400.00} in disputes but my dispute amounts should have been {$2200.00} in total. I then reached out to the company and explain to them that this was not right I requested the papers that were used in deciding whether or not it was fraud. My dispute was never put into investigation on this call. Since I have not heard back I called again XX/XX/XXXX and put the file back into escalation. *2nd time* i was told it only takes 3 to 5 days. I called back AGAIN XX/XX/XXXX and my investigation hadn't been looked at yet so we placed it again into escalation. *3rd time* I called back today and still the same thing. Please just wait..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had learned that my credit rating had fallen from XXXX to XXXX because my bank reported that i had not made two payments. The payments were XX/XX/XXXX and XX/XX/XXXX. I went to my bank online and down loaded the statements showing both payments were made and I uploaded them to the credit bureau to challenge the inquiry. I was informed by the bureau, that they did question the bank with my statements but the bank simply reported that there originally statement was correct. The credit bureau stated that there was nothing they could do. I went to my bank and question it and the new bank manager stated that she did not do this, it must of been done by down town branch. I called them and they stated that they reported it because my credit loan note came due and it was delayed refinancing the note. This to was not my fault. I new my note was due in XX/XX/XXXX and I started working on refinancing the note in XX/XX/XXXX. I can show you a history of my emails back and forth with the bank giving them all the information needed to redo the loan. Well, the bank manager ended up leaving and the existing manager had a slow start. Basically i felt like we had to start all over again. Even my accountant question why he had to repeatedly send the same information over and over again. I feel like the original bank manager drop the ball and really did not care, she could of finish the job. but in her last several weeks was pretty much like a vacation, nothing got done, while the new manager was still working full time at her previous location and then between locations, she didn't really have a chance until she was full time in XXXX XXXX NC. I feel like the bank was going through time management problems between the bank managers and punishing me for it.
Product: Debt collection

Dear LVNV FUNDING LLC, I am writing in response to a notice I received from your agency dated XX/XX/year>, concerning the alleged debt listed for the amount of {$340.00}. Under the rights granted to me by the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws, I am requesting validation and verification of the debt, as well as the following specific documents : Proof of the Debt : Please provide me with the original creditor 's name, the amount of the original debt, and the full payment history, documenting the amount you claim I owe.

Authorization to Collect : Confirm that your agency is licensed to collect debts in my state of residence and provide me with your license numbers and Registered Agent.

Chain of Assignment : I request that you provide me with the documentation evidencing the chain of assignment from the original creditor to your agency, proving the legality of your right to collect this debt from me.

Copy of the Original Contract : Please provide a copy of any original signed agreement or contract pertaining to this debt, if applicable.

Please cease all collection activities until the requested information has been provided and validated. If you fail to provide the validations and documentation as requested, I expect you to cease collection attempts and remove this account from my credit report.

Thank you for your cooperation. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX  I called cash app to dispute some transactions. On XX/XX/XXXX  I recieved the following email. Recieiving a response approx 24 hrs after I reported, indicates to me that these disputes were no properly investigated as required by law. 

Email recieved on XX/XX/XXXX  After reporting fraudulent transactions : XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX ( 1 day ago ) to me Hi XXXX, These are going to be the transactions that will be investigated : XX/XX/23 at XXXX CST {$25.00} XXXX XXXX XX/XX/23 at XXXX CST {$75.00} XXXX XXXX XX/XX/23 XXXX XXXX CST {$31.00} XXXX XXXX XX/XX/23 at XXXX CST {$50.00} XXXX XXXX XX/XX/XXXX  at XXXX CST {$40.00} XXXX XXXX XX/XX/23 at XXXX CST {$18.00} XXXX XXXX XX/XX/23 at XXXX CST {$15.00} XXXX XXXX XX/XX/23 at XXXX CST {$10.00} XXXX XXXX XX/XX/23 at XXXX CST $ XXXX XXXX XX/XX/23 XXXX XXXX CST {$20.00} XXXX XXXX XX/XX/23 at XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX : ref Email response recieved on XXXX XXXX XXXX XXXX  XXXX Fri XX/XX/XXXX XXXX ( 1 hour ago ) to me Hi there, This is XXXX with Cash App Disputes. I understand you have some concerns about these payments to XXXX, XXXX, XXXX, XXXX and XXXX. 

Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

Date Status Amount Sender Recipient XX/XX/23 at XXXX XXXX Paid Out {$25.00} XXXX XXXX XXXX XXXX XXXX XX/XX/23 at XXXX CDT Paid Out {$75.00} XXXX Services XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$31.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$55.00} XXXX Services XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$40.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX Out {$18.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid Out {$15.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/23 at XXXX XXXX XXXX Out {$10.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/23 at XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/23 at XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/23 at XXXX XXXX Paid Out {$100.00} XXXX XXXX XXXX XXXX XXXX Additionally, you are entitled to request the documents upon which our denial was based. To initiate this request, please click here ( XXXX XXXX XXXX ). Note : You must click this link on your phone and have the app downloaded to launch this link. 

If you would like to open a new claim : a. Call us at XXXX. 

b. Follow these steps in your app here ( XXXX XXXX XXXX ) 1. Open your profile and tap Support 2. Tap Something Else 3. Tap Cash Card 4. Scroll down and tap Dispute a Purchase 5. Follow the prompts to Contact Support For more ways to contact Cash App Support, check out https : //cash.app/XXXX. 

For your reference, the case number associated with this claim decision is XXXX. We appreciate your patience and cooperation throughout the dispute claim process. 

Thanks for your understanding. 

Best Regards, XXXX Cash App Support ref : XXXX : ref
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their lack of response to my previous letters. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Experian, seeking resolution and clarification on important matters pertaining to my credit report. To my dismay, I have not received any response or acknowledgement from Experian regarding these correspondences. 

The letters I sent contained detailed explanations of discrepancies and errors present in my credit report, which have adversely affected my creditworthiness and financial opportunities. It is crucial that these matters be addressed promptly to ensure the accuracy and fairness of my credit profile. 

Despite multiple attempts to engage with Experian through written communication, the complete lack of response is both disheartening and frustrating. As a consumer, I rely on Experian 's expertise and commitment to providing accurate credit information and prompt resolution to disputes. The absence of any communication from Experian leaves me feeling disregarded and unsupported. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that Experian fulfills its obligations to consumers. It is essential that Experian acknowledges and responds to the concerns raised in my previous letters, providing a comprehensive plan of action to rectify the inaccuracies on my credit report. 

I urge the Consumer Financial Protection Bureau to prioritize this complaint, as it concerns the accuracy and fairness of credit reporting, which impacts countless consumers. I trust that your agency will thoroughly examine the matter and ensure that Experian is held accountable for its lack of response and failure to address my concerns. 

Thank you for your attention to this matter. I anticipate a timely response from the Consumer Financial Protection Bureau and a resolution to these pressing issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. XXXX XXXX XXXX XXXX XXXX XXXX700 CREDITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Discovered this collection on credit report. 

Sunrise Credit Service {$400.00} I am entitled to this information under the Fair Debt Collection Practices Act ( FDCPA ). Failure to provide this documentation violates my rights and further collection attempts on an unverified debt could result in legal action. 

Details of the debt Including the specific amount owed and any associated fees. 
Calculation breakdown An explanation of how the claimed amount was determined. 
Documentation of agreement Copies of any contracts or agreements demonstrating my obligation to pay.

Verification of judgment A copy of any applicable judgment, if relevant.

Original creditor information Clear identification of the original creditor.

Statute of limitations confirmation Proof that the debt remains legally enforceable. 
Licensing proof Evidence of your license to collect in my state, including your license number and the name of your registered agent or agent for service of process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review and I urge fallowing errors, inconsistencies, inaccurate and omissions I was able to find on my reports According to the FCRA you must have the most possible accuracy As shown clear is and apparent that this doesnt meet the standard required under the FCRA The data of last delinquency is required to be shown and is not showing in this report Please delete this account as it violation of FCRA The account field is inconsistent as although this is just one account credit bureau are showing different numbers TransUnion shows the account number with 4X appended to a number and XXXX is also showing an account with the 10 X appended As I can not validate the account or multiple accounts According to the XXXX you it is required field and should show the individuals complete and unique account information from the file This can not meet the requirement of maximum possible accuracy please delete the account The Last Activity Field is XXXX  XXXX this is just one account Credit Bureau are showing different dates TransUnion shows XXXX and XXXX is showing XXXX I am not sure how a single account can have different dates for the last activity field wouldnt any notation of last activity I dont think this is a stay well or meets the FCRA standards retro obtained maximum possible accuracy Please dele this account The high balance Field is inconsistent as although this is just one account the Credit Bureau are showing TransUnion shows XXXX and XXXX is showing Blank Please send me a explanation as how a single account can show different values Something called high balance should be the same Please delete the account The payment history information field needs to be investigated and either completely fixed or this account should be removed in its entirety TransUnion is missing All payments information from the date this account was opened in XXXX This means my account could miss 5 years of excellent credit history Your own internal and industry accepted guidelines both rely both all accounts to be reported at least one every 30 day Experian I noticed after you start reporting on this account there was a missing data Any missing data is a violation of FCRA as the information affects my score Please investigate the data for the following months that are missing information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Payment History is XXXX  I was 30 days late on XX/XX/XXXX I dont have any records showing this Please remove the account unless you can see me something proving I was in fact late on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}
Product: Debt collection

I recently moved back to the United Estates on XX/XX/XXXX, after living in XXXX for over 13 years. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is Comenity Capital Bank which already had transferred that account to XXXX XXXX XXXX for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from XXXX XXXX XXXX on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to Comenity Capital Bank, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home USA and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX
Product: Debt collection

My complain is that a Original contract or Validation letter can not be provided to me from the company DIVERSIFIED ADJUSTMENT I dont have a validation letter and Im not liable for the debt that is In regard.