23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Have purchased a vehicle with Carvana LLC and paid using a corporate account of mine, having gone through the online service and verified all information including payment when entered online, after it's verified and signed by me and an authorized agent from Carvana approves of all documentation and payment process. I get a copy of what's called a purchase agreement from Carvana LLC sent to myself only after everything is verified. Got verified but Carvana LLC seems to not want to release me my vehicle I purchased nor delivered it to my home. But want for me to make another payment. All my payments were paid off. After doing my own research come to find out Carvanas creaters have been charged for fraud conviction and seems to me are still commiting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters regarding inquiries found on my credit were submitted  XXXX  to TransUnion, and  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from   XXXX   nor an update. A second letter was sent on  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 requests to Transunion disputing dismissed bankruptcies reporting on my credit report. I have sent an affidavit requesting that answer my affidavit point by point, line by line to verify they accuracy of the information they are reporting and claiming to be verified. I have only received deficient responses with no proof to their claim. 

I refer to the attached Transunion Credit report file CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Product: Mortgage

my husband lost his job and we needed to have our mortgage with WELLS FARGO setup with a payment plan to keep my home. we had no other large outstanding balance with any other creditor. no large credit card balance or car loans. they refused to work with me and we were forced to sell home short sale and it actually broke up my family.
Product: Checking or savings account

BANK OF AMERICA AND SOMEBODY ELSE OPENED UP AN ACCOUNT UNDER MY INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE... .I 'VE BEEN WITH XXXX FOR WELL OVER 20 YEARS AND I NEVER OPENED AN ACCOUNT WITH NO OTHER BANK OR CREDIT UNION SINCE THEN ... .I 'M PROVIDING A PHOTO OF A BANK STATEMENT FROM BANK OF AMERICA SHOWING THE ACCOUNT SUMMARY OF THE FALSIFIED ACCOUNT ....
Product: Debt collection

I remained in contact with XXXX  XXXX to include additional appointments at which no time they mentioned the bill nor sent me a bill since XX/XX/XXXX. I was paying {$25.00} a month. I sent in for financial assistance on 3 occasions, I called, I emailed. Then it began to report on my credit as of this month, XX/XX/XXXX. Again, I contacted XXXX  XXXX and emailed them. They have not responded. I contacted Choice Recovery and disputed also via phone. I have disputed on my credit bureau also. This is ruining my credit. I am XXXX with limited income and they are failing to properly communicate with me and they have reported debt to damage credit and are causing undo hardship without assisting me financially through a hardship program! 
Choice Recovery has NEVER contacted me. This just appeared on my credit
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX didn't have access to use my social security number in selling securities on my behalf. I have attached their XXXX SEC filings to this complaint that shows proof of claim. This is called Securities Fraud and gross negligence that severely damaged my credit file and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know anything about the charges or dates I was in the hospital with XXXX whe. Someone opened this account and ran up the bill I had no knowledge until I saw it o. My credit report I have contacted the company several times with no resolution the company is Affirm
Product: Debt collection

A collection account that was removed has been reinserted with a date of XX/XX/XXXX without a notice being issued to me within 5 days of the reinsertion date. This credit bureau has violated the FCRA by not notifying me of the reinsertion of this previously removed collection within 5 days of the insertion date which is XX/XX/XXXX. The collection listed is XXXX XXXX {$2100.00}. Please remove this collection immediately, as this debt does not belong to me and you have violated the FCRA! 

There is also an address listed on my credit file that has NEVER belonged to me! Please remove it immediately. Listed as XXXX XXXX XXXX XXXX, XXXX, IL
Product: Student loan

Private loan through XXXX University XXXX XXXX XXXX XXXX Started paying it and then it was sold to a different private loan company who disregarded my previous payments and started repayment over again with the full amount. 

XXXX University has been found to be involved in lending practices and education that was dishonest and unfair as per recent judgements. Loans are being XXXX. 

I am a XXXX citizen and trying to navigate also getting my loan XXXX.
Product: Debt collection

Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX XXXX XXXX for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted XXXX  on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX  how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and XXXX have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information.
Product: Checking or savings account

Deliberate fraud performed by Citibank on a simple checking account. 

Direct deposits, Checks and even cash deposits were delayed precisely 4-5 days before scheduled auto-pay bills such as water/electric/credit card bills The deposits displayed in said available balance were actually on hold. In investing this, I made a counter deposit in cash with a check on the same day as a direct deposit from work was scheduled.

The scam is ... Allowing 2 attempts from any pre-authorized auto pay to fail which incurs {$70.00} in penalties, the third attempt is accepted authough funds have not been release, incurring {$84.00} in penalties The pre authorized payment along with all fees are placed into a strikingly high interest rate overdraft account. 

The result is your checking account appears balanced and the overdraft account doesnt just rake money in. 

Its hidden from paper statements, if enrolled in online statements the account doesnt exist and online it was not displayed as a dept The worst part is how payment delays coincide with autopayments. Which is the only reason I deposited cash, checks along with an instant direct deposit 6 days before my XXXX bill would hit. 

It took two months, cancellation of my overdraft account. Directly instructing the bank to deny any charge that would cause an overdraft so I could manually manage payments.

Credit score went from XXXX to XXXX over 2 months and this was just a personal account. 

That would not be fair to other people as this must be a large scale scam. Arguably 12-20,000 was stolen in a few months. Which I actually paid. 

Most people would be 100 % trapped in debt and nearly cost me one of my businesses. 

A refund, along with withdrawaling/correcting information to credit organizations is required
Product: Checking or savings account

I got a notice that they were closing all my accounts and not even 2 minutes after I got the email my accounts were shut down and my money gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA is reporting false information about a XXXX Card account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my previous complaint against National Credit System complaint number XXXX I stated the unprofessional way that I been treated by National Credit System and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NCS has completed an investigation of all seven social security numbers associated with Mr. XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because National Credit System failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.
Product: Credit reporting or other personal consumer reports

I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.
Product: Debt collection

THE FCRA DEFINES IDENTITY THEFT AS FRAUD COMMITTED USING IDENTIFYING INFORMATION OF ANOTHER PERSON. INFORMATION OF ANOTHER PERSON WHEN THE ALLEGED ORIGINAL CREDITOR SOLD MY INFORMATION WITHOUT MY EXPRESSED APPROVAL OR KNOWLEDGE THAT'S " A FRAUD '' WHICH MAKES THE WHOLE THING IDENTITY THEFT. 

ORIGINAL CREDITOR : WORLD FINANCE SOLD TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I had opened a " Rate bump CD '' with " Marcus by Goldman Sachs '' and the CD got matured on XXXX XXXX. I wanted to close the CD since the CD is giving the same interest rate as the normal savings account. They are saying that you can decide what happens with the CD after maturity in advance but they do not show the rate at which CD renews in advance. There is no option to say only renew if I agree to renew. So they just auto renewed the CD. I got an email saying " Your CD is renewed '' on XX/XX/XXXX. So I contacted them about this and they said the CD was already renewed before 14 days and the grace period to make changes is 10 days only. I feel like I need to be contacted on the day the CD was renewed and not after 14 days. Only contacting after the grace period is over is unacceptable and is way to trap the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with fair credit reporting act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these companies have violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 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 1681 s-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 their information is inaccurate.

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

XXXX
Product: Mortgage

My trial agreement plan for mortgage assistance began XX/XX/XXXX the 1st trial payment was due XX/XX/XXXX, 2nd XX/XX/XXXX, 3rd XX/XX/XXXX I made all 3 payments. BSI was contacted to inform them I had not received the final modification agreement. I was informed {$2800.00} was being held in a separate escrow account and was not applied to my loan. I was also told by BSI Customer service they did not know when I would receive the final modification agreement. It is XX/XX/XXXX I don not want to lose my home to foreclosure because BSI has not serviced my mortgage loan Please Help
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. 

Ive also noticed a list of credit inquiries that I did not authorize and should be blocked from being reported due to it being identity theft, per 15 US 1681C-2. The inquiries are : XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX
Product: Mortgage

3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on report I have no knowledge of and I just want them disputed off, I tried contacting them directly but I get no answer.
Product: Debt collection

On XX/XX/year> I faxed a debt validation to this company and never received a response. Since it has been more than 30 days, I'm requesting this alleged debt ( account ) be deleted from my credit report and all collection activities stop. In addition to filing a complaint here, I've also faxed the attached documents to the company again and provided a fax confirmation receipt dated for today XX/XX/year>.
Product: Credit card or prepaid card

I have an account with TD Bank, they lower the credit ampount because of your non and slow monitoring of falsified information on crdit report. due non compliance of the law by creditor 's report say {$1500.00} was spent but amount onreport is lees and doesnt reflect this. 

In additon to this they have charged me and not in compliance to law and are attempting to loan shark, if this continues I will be force to close all accounts because their dishonesty.
Product: Consumer Loan

I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls.
Product: Credit reporting, credit repair services, 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 accounts 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 : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance XXXX {$2900.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

In XX/XX/XXXX the debt from XXXX XXXX XXXX had started being collected. XX/XX/XXXX : {$25.00}, XX/XX/XXXX : {$31.00}, XX/XX/XXXX : {$45.00}, XX/XX/XXXX : {$47.00}, XX/XX/XXXX : {$52.00}, and XX/XX/XXXX : {$52.00}. A total of {$250.00} for the hardship payment plan. Each of those payments were made and that completed the relationship I had with the company, or so I thought. In XXXX of XXXX they reported to my credit that I had not paid them and owed them money. I did not noticed this change to my score until XXXX. They called me and said I owe them and requested to speak to a manager. XXXX, said manager, claimed he could see my payments and will be updating my account. I waited a few weeks and when I did not see the subsequent changes to my credit score I  called them back on XX/XX/XXXX. I spoke to a different XXXX who gave me a reference number of XXXX and an email to send my official bank statements to via email. I waited one month and when I again did not see the changes I was promised on my credit score I  called them again on XX/XX/XXXX and was told they no longer use that email. I spoke to a XXXX XXXX who gave me a mailing address and said to mail a letter explaining what happened and the official bank statements and I did. I now receive 1-2 different  correspondences weekly saying the information I provided is not enough to support my claim. They say I now owe them {$320.00} and I already paid them.