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

Hello, On XX/XX/XXXX, I sent a certified check for the payoff of my leased vehicle with Audi Financial Services and an additional certified check for expedited shipping to have my title sent back quicker. It was sent overnight and Audi received it on XX/XX/XXXX. I sent 2 messages to Audi using their online portal ( 1 to tell them I sent everything to include my tracking number to them and the 2nd after a week or so of no update on my account ). After XX/XX/XXXX, they showed my payment as late and I decided to call in. Upon calling in I was told to wait another week. I waited a week, and sent yet another message using their online portal and received no response. I called in again and spoke to someone who said that Audi is severely behind on sending customer 's their titles, but he was able to " post '' the payment to my account to stop it from showing late and stopping it from behind reported as late to the credit bureaus. After 2 more weeks, I called in again as there was no update and this representative said there was nothing he can do. It's now been basically a month since I've sent everything to Audi Financial Services, they have my money, they have my car 's title illegally, and I can't do anything on my end with my vehicle ( sell it, register it, title it, etc. ). I've now resorted to emailing several executives with AudiUSA to try and get their attention and I'm now seeking assistance with consumer reporting to help me get my cars title.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

I have paid off the collection from XXXX XXXX XXXX and Experian is not updating my information. I have sent in the dispute with the proof of payment and yet it is still on my credit report. They are late with updating my information! I am in a XXXX XXXX XXXX XXXX to get a house for me and my children and this is affecting me. The late reporting is ridiculous. The late reporting has been going on for months. I have a membership and I am very dissatisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union I recently mailed in a couple of dispute on XX/XX/2022 and Trans Union send me letter that they was not going to Investigate my dispute i send in to them this company have violated my consumer rights and violated the FCRA laws. All my dispute i send in needs to be re investigated and update my credit report and Delete all of the MISLEADING AND FALSE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed one XXXX XXXX various times on XXXX, XXXX, and XXXX with Experian do to account being fraudulent and it still showing up on my report.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 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 am writing to report an issue regarding an account listed on my credit report under the name LJ Ross. Upon investigation by the CFPB, the company has responded and confirmed that they have no recollection of the account in question and can not verify its legitimacy. Despite this, the account continues to appear on my credit report under LJ Ross. 

Given that the company has stated they can not verify the account and have no record of it, I am requesting that this account be removed immediately from my credit report. This account is incorrect, unverified, and damaging to my credit history and score. 

I request that XXXX, XXXX, and any other involved credit reporting agencies take prompt action to remove this entry from my credit report in compliance with the Fair Credit Reporting Act and relevant consumer protection laws. 

LJ Ross account shows as XXXX I appreciate your immediate attention to this matter and look forward to its swift resolution.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureau is reporting inaccurate information on AWA COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was opened in my name but does not belong to me. My information was lost. And now I'm being charged for this account
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the equifax data breach. The account does not belong to me and I have no knowledge of this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report and I have disputed the account listed as XXXX/XXXX/XXXX  with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever XXXX dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CAINE & WEINER COMPA ***** Balance {$1500.00} - Opened XXXX XXXX, 2022 CAINE & WEINER ( XXXX ) XXXX Balance {$1500.00} - Opened XXXX XXXX, 2022 CAINE & WEINER ( XXXX XXXX  ) ***** Balance {$1500.00} - Opened XXXX XXXX, 2022
Product: Debt collection

I was a XXXX customer for over 12 years. One day I got the family plan with four phones. They told me that I qualified for a free tablet. I told them I didn't need it, wanted it or the extra cost. They told me it was free and wouldn't cost me anything. I asked is it 100 % free and they said yes. So I agreed to take it. I was told the bill would be about {$200.00} a month and I would also receive a {$600.00} rebate. It was not a mail-in rebate it was an in store rebate and there was nothing for me to do. 

The first bill was higher than expected but they told me that would happen so I wasn't worried, cause this happens every time I got a new phone with XXXX. On the second month the bill was still over {$900.00} I called them up and told them about the rebate that they never applied. after a few months of this happening I noticed that my bill was closer to {$270.00} a month. 

When I asked why it was so high they told me it was because I had five lines and I was paying for equipment cost. I told them I only had four lines and that I didn't have an equipment cost cause I got the free phones.They said I had a tablet and that was the fifth line and the equipment cost. I asked about it being free and they said that it didn't cost me anything the day I got it. I explained to them the meaning of " free '' but they had a different definition.then I did. I told them that I wanted to return the tablet and remove the phone line. I was told that they could not do that because I had the tablet for so long. I would have to call up XXXX to get it removed. 

When I called XXXX they told me I would have to pay a cancellation fee and pay off the tablet. I was not allowed to return it. The service at this point was so bad that I decided to cancel the entire contract. They originally told me I owed them {$900.00}. I asked about the rebate and they said I wouldn't get it cause I was canceling my account. I told them I wouldn't cancel if they got my bill right and give me what was promised. 

A few months later I got letter from a Debit collector claiming I owed {$1800.00}. I explained the entire story to them and they said they would close the account for {$1200.00}. One day I was looking at my credit report and noticed I had a collection notice for {$1800.00} I filed a dispute and for the past three years I have not heard from them or had a remark on my credit report. A few months ago I got a call from a debit collector telling me I owed the money. I now have a negative remark. After three years of not hearing from them they are now trying to collect on a debt that was taken care of? Can you please help me with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my grandmother signed a home lease with XXXX XXXX XXXX in XXXX. I was removed from the lease as a cosigner in XXXX, to my understanding. I am a victim of identity theft committed by a close family member. I did not become aware of this until XX/XX/XXXX, when XXXX XXXX XXXX contacted me via phone to collect a debt. I explained I would like a validation letter to see the accusation of debt, and this was not my account ; I was no longer associated with the lessee, nor do I have any business relations with XXXX XXXX XXXX. XX/XX/XXXX : XXXX XXXX  failed to send the proper documents without any factual evidence or proper investigation. Credit reporting agencies XXXX, Experian, and XXXX have violated my FRCA rights under 15 U.S. Code 1681i, 605B Block of Information Resulting From Identity Theft. The credit reporting agency has not taken the proper steps to investigate this collection. I have submitted every document to support my dispute, including my current address, my identity, and a XXXX report with the identity theft agency. Still, the credit reposting agency has not provided me with any evidence of their investigation as to why they believe this is my debt. I have since then put a freeze on my consumer report as an identity theft victim report about this matter of my social security being misused and abused without my verbal consent or written notice. Since reporting this matter with the credit reporting agency, this has been an ongoing problem that has brought me stress, XXXX, and suffering. Please assist me with this problem. 



ACCT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00}
Product: Checking or savings account

I called my bank to open a chargeback dispute being authenticated using my pin and card number but they denied that saying I dont have XXXX, and also there is no phone number on my profile wich is XXXX XXXX XXXX. I live in XXXX now so I cant be forced to go to a branch to do this. The law allows me to make the clai by phone, in person or by text. 

I need to dispute XXXX trasnactions for merchadnize not received. 
XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro the XXXX transactions were made on the store, in person. but they dont have the stock of the items on the same store so they will send it to my home no later than XX/XX/2023. 
I tired to reach them several times bu phone and website without any answer, they never provided a tracking information or delivery confirmation. Im not on that city to go to the store to make the claim, thats why I need to request to open the chargebach due merchandize not received. I have the invoice showing they must sent the items I justneed to know there to send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a credit reporting issue to all XXXX credit bureaus regarding XXXX Arkansas reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received XXXX  letters ( XXXX  is attached ) stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and XXXX, and nothing from Equifax. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit reporting companies continue to report incorrect information.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in XXXX XXXX and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act You are reporting the wrong address of XXXX XXXX XXXX XXXX Ohio XXXX, attached is my proof of my address delete and remove all address thats reporting in error only XXXX address should be reporting XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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 then records of convictions of crimes which antedates the report by more then 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, credit repair services, or other personal consumer reports

In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to Specialized Loan Services (  SLS ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When SLS took over from XXXX, SLS failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. SLS reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have SLS correct this error but was given no attention. I have since paid off the mortgages.