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

I am purchasing my car at lease end due XX/XX/22. The agreed documented contract price is XXXX. 
I contacted the Audi Financial services dept, they said I needed to go to the dealer. Contacted the dealer on XX/XX/22, let them know I am buying the car and they emailed me a document, with multiple ambiguous dollar sums totalling XXXX. 
They included service contract XXXX which they removed. 
The base amount they used was XXXX, it is clearly on the attached contract as XXXX, then they added fees of XXXX, added government fees of XXXX, 7 % tax, I argued Florida is a 6 % tax state they argued it is 7 %. 
They said they, ( the XXXX dealer ) has to buy the car from XXXX financial, and that changes the residual value on the lease agreement. 
I read blogs where other people report there is NOTHING the laws do to protect consumers and they can basically charge whatever they want. 
So I ask what the purpose of sn " agreement '' is in the first place. My hands are tied I have to sign these documents, and when I try to get resolution the narrative will become " well she signed the documents '' because I will run out of time here. I CAN NOT believe the public is not outraged by this shameless manipulation and NOTHING is being done to stop these deslerships from taking advantage, snd not honoring their own contract. This is so wrong, adding XXXX to the buyout price alone tells me there is a real problem here. Please help me.
Product: Mortgage

E mortgage funding LLC XXXX ID # XXXX XXXX XXXX ( on paper work not sure who that is ) but was dealing with XXXX XXXX eMortgage Funding XXXX # XXXX A home inspection was done on the property of which I paid {$600.00} dollars for outside of closing prior to closing date. This amount was not shown in the final closing statement in column POC so this did not come off of my closing cost Second- appraisal was also paid out side of closing as shown on closing disclosure and I did not receive a copy of my appraisal 3 days prior to closing and still as of yet have not gotten a copy. Ive contacted the company on numerous occasions and XXXX for a long time and have never received a response from anyone. Id like a copy of my appraisal and a refund of {$600.00} from my home inspection. My closing was on XXXX XXXX  and still yet to receive a response from anyone after attempting to contact over and over again in regards to these matters.
Product: Checking or savings account

I had previously wrote a complaint about an issue with my savings account. While the company did issue a check on XXXX it has yet arrived after being advised I would receive on XX/XX/23. I have contacted Alvert by text 4 days in a row and by email once with no response yet again. I have not had access to my funds in over a month and they're " customer service '' is a joke. The only time I was actually able to get a response was when I filed a complaint with you previously. I would highly suggest an investigation into this company as almost all of their reviews have the same or very similar complaints. It is absolutely ridiculous that I have to go to this measure to be heard and contacted back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXXXXXX XXXX XXXXXXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

XXXX XXXX  XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service. XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Product: Credit reporting or other personal consumer reports

I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife and I had a co-signed credit card account with USAA. My ex-wife filed for chapter XXXX bankruptcy and the account was included in her bankruptcy. I was not a party to the bankruptcy and it should not affect my credit report. USAA stopped my automatic monthly payments without notice to me and deleted the account from their website so I was unable to view any status. Upon my noticing the account was missing from my view on their website, I called them and their customer service representatives were unable to process a payment via phone. It took XXXX hours over a series of phone calls before it was determined how it was possible for me to make payments. I have continued making payments monthly. USAA refuses to send me monthly statements and I have to call their bankruptcy department via phone to make sure my payments are received. The balance is now lower but USAA is reporting this account to the credit reporting agencies as a serious delinquency/missed payments with past due amount of the original balance that was included in my ex-spouse 's bankruptcy filing. I have disputed this status with all three credit reporting agencies, but USAA response is that the account is accurately reported. The bankruptcy department representatives that I have spoken with via phone say they can not help me and that I should pay for a lawyer to pursue this with USAA.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ) Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal credit information has been breached, resulting in unauthorized access to my credit report. This breach has caused unauthorized credit inquiries to appear on my report, which I did not initiate, authorize, or consent to. This activity has compromised my financial security and placed me at significant risk for identity theft and other fraudulent actions.Unauthorized inquiries : My credit report reflects multiple inquiries from companies I have never interacted with or approved access to. These inquiries are illegitimate and constitute a clear violation of my privacy and consumer rights. 
Breach impact : This breach has caused undue stress, potential harm to my credit score, and created a risk of further financial loss. I rely on my creditworthiness, and this breach has jeopardized my ability to maintain it. 

I have taken immediate steps to review my credit report and flagged these unauthorized inquiries. Despite my efforts, I have not received any resolution or assistance in rectifying this issue. The failure to address this breach violates my trust and expectations for proper handling of my personal credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report :
Product: Debt collection

**Subject : ** Formal Complaint Regarding Unverified Debt and Failure to Provide Billing Statements Dear Consumer Financial Protection Bureau , I am filing a formal complaint against indebted and XXXX XXXX XXXX XXXX XXXX XXXX  for attempting to collect a debt that is not mine and failing to provide proper billing statements to my current address. This debt has been reported to credit bureaus without my knowledge or verification, causing harm to my credit profile. Complaint reasons : **Failure to Provide Billing Statements : ** The original creditor, XXXX, failed to send bills or notifications regarding this debt to my current address. As a result, I was unable to address or dispute this matter in a timely manner. 3. **Credit Reporting : ** The debt has been inaccurately reported to credit bureaus, negatively impacting my credit score and financial standing. **Relevant Laws Violated : ** 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c : ** Requires that inaccurate or unverifiable information be removed from credit reports. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g : ** Grants consumers the right to dispute a debt and request validation. 3. **Consumer Financial Protection Act, 12 U.S.C. 5531 : ** Prohibits unfair, deceptive, or abusive acts or practices in the financial industry. **Resolution Requested : ** 1. **Removal from Credit Report : ** I request that this debt be removed from my credit report immediately. 2. **Cease Collection Activities : ** I request that all collection activities related to this debt cease until the matter is resolved. Thank you for your attention to this matter. Enclosed is 2. Proof of current address-
Product: Credit card

Discover is overcharging me for interest that is supposed to be at 15.49 % APR on an approximate balance of {$1200.00}. I have another card with XXXX at a 28 % APR and the interest is at $ XXXX XXXX Discover XXXXs charge of $ XXXX. A XXXX rep calculated interest at 15.49 % and it should be $ XXXX, approximately. 

I called Discover and they refused to give me my card number and they refused to calculate my interest with me over the phone. Instead they are sending another card out to me and they are sending a copy of their cryptic credit card agreement. 

I am a XXXX XXXX XXXX XXXX who almost lost my life in XXXX due to exposure to an unknown toxin. I was using my Discover Card to pay for housing ( AirBnb ) and other living expenses while I recovered and tried to piece my life back together last year by finding more permanent housing and a job, while undergoing surgery for minor XXXX XXXX that I also developed in service, in addition to recovery from trauma and toxin exposure. Discover charged me over {$1600.00} in interest charges on a balance below {$15000.00} in XXXX. This is criminal and warrants an investigation. 

Please help. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, & XXXX failed to comply with the Fair Credit Reporting Act. XXXX failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. XXXX, Transunion, & XXXX all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX, XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX, XXXX ) Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date : AV : XXXX XXXX /Opened XXXX XXXX Credit Limit {$1500.00} High Balance {$99.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date AV ; XX/XX/XXXX Opened XXXX Balanced Owed {$400.00} Credit Limit {$1500.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Collection Account : XXXXXXXX XXXX Account Number : XXXX Date AV : XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$2500.00} Credit Limit {$3000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : US Dept.of Education/XXXX Account Number : XXXX Date AV XXXX XXXX Opened XXXX Balanced Owed : {$31000.00} XXXX Balance {$24000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXX XXXX Account Number : XXXX Place in collection XXXX XXXX Last Verified XXXX XXXX {$1200.00} Placed in collection XXXX Last Verified XXXX, XXXX {$880.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX  XXXX 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.
Product: Checking or savings account

Hi CFPB I would like to remain anonymous and you may republish this if I can remain 100 % anonymous in my complaint direct Express The Direct Express Debit XXXXasterCard is issued by Comerica Bank has stolen thousands of dollars from me maybe four or five they've been stealing from me from the past years now I also have them on tape with XXXX in XXXX saying they were giving me all my money back they lied about that they also told her to hire department of XXXX that they also took {$500.00} for me XXXX said they did no such thing there was never any purchases for {$500.00} nor did I ever use {$500.00} on the card they were talking about to make any purchases direct Express also told me about 2 years ago that someone stole money from me and something about a XXXX come to find out I contact the company XXXX they said that was not true they haven't had the card on file they never had it in their company website or what do you do billing to say someone is using this car for this then the other they have no record on the car they told me to call my financial institution which I did they told me they would give me money back which they put on the card then took it back like the supervisor saying less than five minutes she said we owe you that money I don't know why they took it back to this day over XXXX to XXXX dollars back so they've been stealing money I have numerous recordings proven that they have been stealing money for me even in their own words lying to me supervisors on tape and people also confirming that I never got a sent back I have plenty of recordings on these people all they do is still people money and leave them high and dry I looked on the XXXX  website and see if anyone else is experienced this and other websites have popped up comera bank and direct Express is still in the consumer money please help I do have numerous recordings even the one from XXXX were supervisor even lie and said I was getting my money back even with the people on the phone department XXXX they literally told them they gave all this money back to me and direct Express their own okay we don't have it the multiple people saying no we gave money back a multiple people also confirmed they never took any money off my card I also have direct Express on tape lying about money lying when I will get money told me they were holding money never released it on take telling me all the system is just saying you have one amount but don't believe the system you have more I said I have to go with the system saying because why would the system say I have less if I have more that doesn't make any sense but to make this very very long horrible stressful situation short that's just a little of the breakdown someone please help me thank you so much and have a nice day
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In 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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I sent my FTC report and License to report identical theft. XXXX, Equifax and XXXX still reporting fraudulent aCcounts on my consumer report.