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

I have EXPERIAN monitoring. they are also matching me up with cards and when I apply for those cards I get denied and when I called them today and asked to speak to a supervisor I was given the runaround and was given to a lady who and when I asked her if she was a supervisor she would not give me a direct answer when I kept pressing her for the information I needed she kept threatening to hang up on me and telling me that she did not have to give me her supervisor even though I asked numerous times. I pay for this service and I wanted to do was speak to a true supervisor someone who could help me with my issue. I again was not given a supervisor or a person that could answer any of my questions legitimately and when I asked them to help me and give me the supervisor at the main person in charge of that department I was told they do not have to do that which I think is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Vehicle loan or lease

I signed a Extension Contract with Santander Consumer USA on XX/XX/XXXX due to the hurricanes in the Carolina in XXXX. In that contract 2 months were moved to the end of my loan and my loan extended till XX/XX/XXXX. In addition my next payment was not due until XX/XX/XXXX. 

Company repossessed vehicle 11 days prior to XX/XX/XXXX on XX/XX/XXXX and refuses to return vehicle and reinstate loan or return vehicle. 

In addition company breached the contract and no other signed documents have been agreed upon since the XX/XX/XXXX. 

Company deceived consumer by information provided by management by changing the agreement and sending out a letter to the consumer ( never received ) stating that the payments waived were for XX/XX/XXXX and XX/XX/XXXX. IN addition this created a Right to Cure letter to benefit the company which the manager stated that needed to be paid by XX/XX/XXXX. That letter per the manager stated the amount due by XX/XX/XXXX was XXXX. That Right to Cure letter was also not received by the consumer. 


Lender did steps to the account without signatures or confirmation to agreement on XX/XX/XXXX that benefited their company. They did deceptive trade practices and mislead the consumer. IN addition they illegally repossessed the vehicle on XX/XX/XXXX and provided false and misleading documents to the Repossession company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States i have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, AFFIRM INC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Product: Checking or savings account

XX/XX/XXXX - deposited XXXX dollar check XX/XX/XXXX - checked online and it cleared. Brought XXXX dollar balance to an available XXXX dollar balance. (, some credit was issued to me on top of the funds from deposited check. 


That evening thee balance went from XXXX available to XXXX available dollars. Then later returned to XXXX dollar balance prior to the check being deposited via mobile deposit. 

XX/XX/XXXX - A letter from Research and adjustments department was sent out informing me of a debit /credit to my account in the amount of the check due to a Mmobile deposit error and since it was presented to me as a available balance for a bbusiness day it instructed me to take my original document to the local branch and my account would bee adjusted. Thee letter apologizes for the confusion and provided a reference number which I used after the distraught banker rebuked my presentation and removed all trace of the transactional credit told me that I endorsed the check incorrectly and to send for another one to endorse properly. So 14 days later I received my next check, endorsed it like so and the check was XXXX dollars. A balance of XXXX dollars became available after depositing the check with proper endorsement and XXXX dollars nbecame available which I paid to my automobile insurance directly after. A month later I go to look for my proof of insurance and the task wasn't possible whereas the bank had stopped the check, lied about requirements for accounts and check management, and reversed the payment without my knowedge and removing from My astatement
Product: Checking or savings account

I deposited a check on XX/XX/2024 with Truist bank Institution. A hold was placed on the check until XXXX. My check was deposited & available on XXXX XXXX But I couldnt access my funds so I contacted Truist support through the banking app. I was told a claim was filed on my account regarding my deposit for an investigation. Which is outrageous if my funds were already deposited into my account, what is the issue. I went up to the Truist Bank institution and I called the fraud management team That was assigned to my case. They told me the investigation is still ongoing, And The investigation would be over XX/XX/2024. Which the investigation was not over on XX/XX/2024 that was a lie, make it make sense it doesnt make sense. Ive called multiple times, but I have received different answers from different representatives multiple times. Today as of XX/XX/2024 the fraud department has said That Truist is ending their relationship with me, I have done nothing wrong for my relationships to end with Truist. They are stating I have to wait for a letter determining if I can withdraw my funds from the bank or wait to receive a check, Im not waiting to receive nothing, If my relationship is ending, that gives me all right to go into the bank and withdraw my funds. Every day its something different I cant get one straight answer, I cant access any of my funds. I cant pay bills. I cant do anything. I have made deposits with Truist almost every day This is unacceptable.
Product: Vehicle loan or lease

I contacted Ally Financial XX/XX/XXXX regarding my auto loan and was told I was 3 months behind, which I disputed. At the time I had been on a plan which I paid {$250.00} extra each month to cover delinquency. I called to set up a payment arrangement and was given a quote to pay {$980.00} by XX/XX/XXXX. I was also given the number of an agent that wasnt available. When I called, a recorded message said Ally was closed, despite the website stating M-Sat ; XXXX XXXX XXXX. I was finally able to reach someone Friday morning, XX/XX/XXXX. I was told to pay {$8000.00} ( estimated total ) by wire by XX/XX/XXXX or the car CAN be auctioned off after this date. I was also told to call to confirm before payment. When I went to the lot XX/XX/XXXX to get my personal possessions out of the car, I was told the car had been sent to auction 1-2 weeks ago. Ally intended to collect payment without returning the vehicle as they sent it to auction before the payment date. In my state, the car can not be sent to auction before 21 days. XX/XX/XXXX is the XXXX day and the car was taken from the lot well before the XXXX day. 

This is a violation of my rights and bad business practices. Now they have reported my account as if I had not paid since XX/XX/XXXX and have XXXX missed payments!
Product: Prepaid card

I have cash app and i got scammed 2 times from 2 different companies and i told them how i can prove it was a scam and they still denied my dispute
Product: Payday loan, title loan, or personal loan

I am filing a complaint against Sunlight Financial. Solar Panels were installed on our house by XXXX XXXX and Sunlight Financial is the broker. 

I initially reached out Sunlight Financial and XXXX XXXX over a year ago as panels were placed on our house but work was not completed per contract. Panels were not operational for about 6 months even though were being charged and they failed several city/ township inspections due to poor workmanship. In addition, panels have been working at 20 % since XX/XX/XXXX and never produced the amount in the agreement. 

I have reached out to both companies several times every week since XX/XX/XXXX yet not action or resolution has occurred. 

Letter of cancellation was sent XX/XX/XXXX and calls were made but never received an acknowledgement or resolution. XXXX XXXX and Sunlight Financial refuse to take any action to acknowledge and resolve problems. 

The case number Sunlight Financial provided me with on XX/XX/XXXX was XXXX. Since then I have made weekly follow up calls as I am told to by the customer service reps who said they have escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and Equfax Data Breaches. I was given an settlement claim number along free credit reports for XXXX years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with XXXX different names, XXXX diffrent employers and XXXX diffrent dates of open, XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to equifax on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' See also P.L 90-321 ( 82 Stat. 146 ). LVNV Funding, LLC ( " LVNV '' ) does not have my consent to furnish this information and they surely do not have my written consent. This lack of consent is confirmed by the attached legal opt-out notice. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). LVNV does not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them. Additionally, 15 USC 6802 ( b ) ( c ) forbids the disclosure of " nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV never informed me of my right to exercise my nondisclosure option. And per the enclosed notice, I revoked any consent - implied, express, verbal, or non-verbal- to which LVNV may have been relying on is legally revoked indefinitely. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ 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 information is inaccurate. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt-out at any time. I am opting out of LVNV 's reporting of this account. Accordingly, LVNV has received lawful notice of my opt-out of their reporting of the following account to non-affiliated third parties- such as XXXX, XXXX, and XXXX. Thus, LVNV is not lawfully permitted to continue reporting this account on any of the consumer 's credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Pleas 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

On or about XXXX/XXXX/XXXX, I received in my home mailbox a bill addressed to me from something called Jefferson Capital Systems , LLC. 

It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}. 

It offered " convenient '' ways to pay various amounts via credit card or check. 

I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number. 

I refused and suggested to the young man that he seek honorable employment. 

What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?. 

I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent several letters to XXXX, Experian, and Experian on XX/XX/year>, XX/XX/year>, and XX/XX/year> advising that the hard inquiries as well as other accounts on my credit report were false and or incorrect. I have been affected by several global data breaches and simply never authorized any of the hard inquiries on may credit report as well as the presence of illegal collection accounts on my credit report. Each reporting agency has not provided proof of the validity of these accounts in the legal time frame provided. As a result, they are in direct violation of Section 604 of the Fair Credit Reporting Act ( 15 USC 1681 ). 
As a result, these items that are negatively affecting my credit should be removed. I have request that each agency verify the accuracy of the information contained in my credit report, especially the legitimacy of the data or the entities that have accessed my credit information and that has not been done in a timely manner.
Product: Credit reporting

Attached is a copy of my ( 1 ) Social Security Card with correct name and my Drivers license with correct address ( 2 ) Divorce Decree ( 3 ) Copy of Experian Personal Information report Please correct my Personal Information Name field to reflect my correctly spelled legal name : XXXX XXXX ( only ) and the Addresses field has XXXX addresses listed that are incorrect. I have never lived at : 1. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and the Addresses field has 2 duplicate addresses. Please delete address identification numbers : a ) XXXX ( XXXX XXXX-Residence type : Multifamily ) b ) XXXX ( XXXX XXXX XXXX XXXX Residence type : Multifamily ) Spouse or Co Applicant field : Remove XXXX ( attached divorce decree ) Telephone numbers : Delete XXXX ( my xhusands cell number ) Delete XXXX XXXX ( residential : I do not know this number )
Product: Mortgage

I have made requests to Specialized Loan Servicing for a standard or legal size copy of the loan agreement that is allegedly the one I signed. I have been sent some kind of a small version that I can not read because of " reduced '' size. This is not a document.
Product: Credit reporting or other personal consumer reports

In XXXX my identity was stolen and I made a report on XX/XX/XXXX at XXXX. On XX/XX/XXXX I logged onto the XXXX website to check my credit score and found several misinformation, they are as follows ; 1. There ware five accounts affixed to my name ( four of which I do not recognize ) ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are eight addresses affixed to my account that I have never lived at. They are as follows ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These errors are affixed to debts that I have not incurred upon myself which in turn caused my credit score to be decreased.
Product: Debt collection

i had XXXX in XXXX. In about 4yrs. later this company said to me we forgot to charge you this amount. I do not. Anyway i wish i could just call someone years later and say to them, buy the way you owe me money. know pay me. please get this off my credit debt. This will never get paid by me plus they have no right to do this. it has been on my report for many years now. I am XXXX. old now and do not care anymore with my XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXXXXXX  which involved me making deposits for a total amount of XXXX USDC from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Debt collection

Notice dated XXXX XXXX from Monarch Recovery Management stating that i owed XXXX XXXX  {$170.00} but if I sent them {$68.00} that would satisfy the creditor. 
I do not owe Any $ to XXXX XXXX, my account is always paid in full each. I verified this with XXXX. My account is with XXXX XXXX /Master card. 
I have no intention of sending them XXXX