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

OnXX/XX/2018 the transmission on the car blew. Dealing with both the bank and car dealer it turned out that there was a scheme to prey on poor people in the income tax season. However, the bank lied about helping me with repairs, but wouldn't help after I sent the car to XXXX XXXX and the car was fixed by them. It was impossible to come up with the amount they were asking for to put down towards the repair bill due to me taking a major loss of employment due to the car transmission blowing I had no way to work. The car was sold to the repair shop with the title and all. I no longer feel I owe them anything because the car was sold for XXXX . I financed this car in XX/XX/2018 at XXXX XXXX who mysteriously vanished after scamming people out of their money in XX/XX/XXXXor XX/XX/2018 after the income tax season ended. They are reporting this car to the credit bureau as late payments when they know darn well the car been sold to the repair shop. I don't care what they put it as, but tell the truth it was a repair lien held on the car because they refused to pick the car up from the repair shop as they did previously with XXXX XXXX. What a coincidence they were willing to drive all the way from New York to have their mechanic take a look at the car to say the obvious. The transmission needed to be repaired. The car was returned back to me in Connecticut, but they refused to pick it up from the repair shop after saying they would cover the cost and add it to my loan. I don't feel as if my children and I should have to continuing suffering because of poor customer service businesses who choose to scheme on the poor. I hold carvant responsible as much as XXXX XXXX. I would like to be treated fairly they were wrong. I asked can they trade the car both the bank and XXXX XXXX kept lying on one another saying they were waiting for some mysterious person to be contacted which never happened then XXXX XXXX went missing boarded their business and DMV couldn't say why, but I'm sure it was because they could no longer do buy here pay here business and the CEOsaid he would stop doing business with them as well. I am also 100 % sure carvant filed it as a loss on their taxes because I made it very clear I would never pay the cost of XXXX XXXX on a car I drove for 97 days. I even asked to be brung to court because they threatened me daily but it didn't happen yet. This has ruined my life and my children life because I don't have transportation to work a job, get to and from schools and daycare, grocery shopping etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
Product: Credit reporting

I sent a letter to you disputing a collection account as erroneous on XXXX XXXX, XXXX and mailed them certified, return receipt requested. I received notice in the mail that Equifax received the dispute letter on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and I have not received a response from Equifax on the removal or status. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 

I 've filed a previous complaint with the Consumer Financial Protection Bureau ( Case # XXXX ) against Equifax and the XXXX XXXX XXXX for reporting and collecting an unverified debt that is also violating Federal and State Laws. The Mississippi Statue of limitations on this alleged debt has expired as of XXXX XXXX and is no longer a collectable debt and reporting a zombie debt is in violation of the FCRA. 

Equifax , CBA and CFBB have failed to resolve this issue and now in violation of the FCRA. 

I would like to see a response on this and the issue resolved quickly.
Product: Debt collection

This company reported a debt to the credit reporting agencies and this is not my account. If this is medical it is in violation of HIPPA. I never received anything regarding this to verify this is my account. The last four digits of my social security number XXXX. Partial account number XXXX.
Product: Debt collection

This was an account with XXXX that I closed. I returned the phones to a private XXXX store and apparently the owner sold or did not return them. He is no longer in business. XXXX was notified and sent my account to collection knowing this owner did this to many customers. They sent my account to collection and I disputed it. It was closed and removed from my credit report. Two months later the collection was sold to another creditor for the same amount of money. I have disputed that months ago but no reply and its still sitting on my credit report. Im an identity theft victim and these accounts keep showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original complaint was filed directly with Equifax and they responded with a letter dated XX/XX/XXXX explaining that the information was verified as accurate and that the XXXX account would remain on record for 7 years from the date of first delinquency. Equifax disregarded the supporting documents ( statements from XXXX ) that were provided along with the dispute that proved the actual date of first delinquency in XXXX of XXXX since the last payment was on XX/XX/XXXX. See attached statements. 

Both XXXX and XXXX agreed to remove the account due to age. Why should Equifax not do the same.
Product: Mortgage

I am trying to pay off my mortgage for my primary residence. The bank, Fifth Third Bank is unable to provide me with a payoff amount. I have 4 payoff statements from them with 4 different amounts. Additionally, they have added {$2100.00} in late fees, but they can not provide documentation on these fees other than to say they came from the previous mortgage holder when they purchased the loan previously. 

On XX/XX/23 I met with the bank in person after numerous phone calls and chat sessions. At the bank I was told my balance was {$900.00}. I paid that amount in the bank and have a receipt for the same. Sone then I have received approximately 15 letters from the bank with different charges, payoff amounts, and now I am informed that my account is delinquent and I am in danger of foreclosure and that I must pay the amount in full. The problem is, the bank can not tell me how much to pay them. The local branch, not the corporate office can not give me a final answer. I am afraid of losing my home. Please help.
Product: Checking or savings account

My chase login was compromised, and unauthorized transactions were made. 
I immediately called chase to get this resolved, they reported the transactions and said that since they are still pending that I have to wait and they can not be canceled. They then froze my account to deposits only. Since my account was compromised I requested that they freeze my brokerage accounts to limit withdrawals as the thief was moving money between accounts to transfer more funds out of the checking account. The brokerage sale was not stopped and went through. Once I flew back home and went in branch they verified my identity and reopened the unauthorized transaction case, a new account number was given, and I requested all statements for my old account since I was told I would be able to access it online anymore, and being provided the statements by paper and would take a long time, this is my primary account I have had for almost XXXX years, so there is a lot of information I would like to keep records of. Regarding he unauthorized transaction, I emailed a banker and scheduled a follow up meeting at the same branch since I was not getting any help with the reversal of the charges. They called and said an appointment would not be needed, and I have been stuck running in circles with no solution to the problem. I have followed everything told and find it odd that the resolution is taking months given that I have provided numerous amounts of evidence requested. To add to that I can not even access any statements or notices regarding this case any more as all documents related to the checking account this happened from is deleted from online account. I would like those letters in addition to the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXXXXXX, has violated my rights. 

In regards to my previous dispute it has been over XXXX days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within XXXX  days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within 15 days.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.
Product: Debt collection

The company claims I owe them XXXX for XXXX months of XXXX XXXX. But I have never used XXXX mobile. If it is XXXX mobile I dont understand why this should be a collection on my credit report and I would not be paying for fraudulent debt.
Product: Credit card or prepaid card

Order XXXX was placed by XXXX on my XXXX credit card in XX/XX/2018. When I realized the order was placed on my credit card and not the store gift card, I immediately requested a return label for the items purchased totaling {$2500.00}. I received an email from XXXX ( customer care rep at XXXX ) on XX/XX/18 where he provided me with a return label to ship the items back to the warehouse. I then shipped the items back to the warehouse using the shipping label he provided me. 

After several months and calls to XXXX customer service, I was unable to obtain a credit for the merchandise that I returned. I was repeatedly told that I would need to pay for the items. After checking the XXXX website on XX/XX/2018, to assure the items were received by the warehouse, I then took a screenshot of the page that displayed " RETURNED TO XXXX, OH, US '' I then started reading reviews about XXXX online and realized that this was a big issue that customers have experienced for years now. I have repeatedly tried to dispute this from my credit, but I have not been successful. 

After I advised XXXX customer service of this, they refused to credit my account.
Product: Credit reporting or other personal consumer reports

So I have had my credit frozen for almost 4 years after having my identity tampered with and never had any thing resolved. At the moment im not able to even get a phone plan or credit card because TransUnion shows unavailable when requesting my credit report. I have notified them and paid for identity fraud protection from numerous companies/banks and TransUnion when this first started. I unfroze my report before asking and applying for my report. I notified two different people at TransUnion that when I look at my report online and the copy that they sent in the mail that neither give me any information thats relevant. There are credit card loans that have been paid off years ago and other accounts they are showing to be delinquent and shows no grade or credit score. I tried going through there third party service to obtain the score/grade and it was unavailable. This has cost me a lot of time and money. Thank you for taking the time to read this and help with my situation.
Product: Debt collection

Upon applying for a mortgage refinance in XX/XX/2018, I found that a company XXXX XXXX dba XXXX had opened a collection item that was reflecting on both credit /bureaus and negatively impacting my credit score. I called XXXX who told me they could not help me as the account was being handled by their subsidiary XXXX XXXX. I called XXXX XXXX and explained to an agent that I never applied for or received the XXXX 's debit card their company is negatively reporting as a collection item on my credit profile. I was told something to the effect that XXXX XXXX could not access the information on the account but the agent took my information and submitted the negative item as fraud. I also questioned the validity the item since it is reported as a XXXX 's debit card which is a card that draws directly from the applicant 's bank account. A debit card verifies and draws funds upon approval that the funds are present and accessible. The agent did not have any answers. A few days later, I received a letter from XXXX  stating that they were not currently handling the negative item. I also received a couple of letters from XXXX XXXX one acknowledging my call/dispute and another requesting all of the same information I submitted to them over the phone. I completed the information and sent it back. I have called twice since for updates, but am repeatedly told there are no updates reflected on the file.

In the interim, I am in the middle of a mortgage refinance and this negative item is driving down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an ITIN recipient. I am in the process of buying house with a HUD certified housing agency called XXXX XXXX XXXX in XXXX, IL. 

Through a bank called XXXX XXXX, a credit report was pulled to pre-approve me for a mortgage. Through an XXXX credit report, I discovered an error. My neighbors credit cards from Citi Bank are present on my credit report. 

I've gone to Citi personally with my neighbor to get assistance with the error. Citi refused to write me a letter stating the error that I can give to XXXX XXXX so they don't count the large debts against me. 
Citi bank refused to write me a letter or help me in any way. I then contacted Transunion over the phone, I spoke to someone named XXXX, who said she can not help me because I have an ITIN number. 
At this point, I don't know where to turn for help. I am getting assistance from The XXXX XXXX who has mentioned the help you give consumers like me. I really want to buy a home and I am almost there. This error is in the way of that. 
Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Debt collection

In XX/XX/year> I was contacted by Absolute Resolutions Investments LLC advising me of a debt they purchased from XXXX XXXX. On XXXX XXXX I provided them documentation from my XXXX XXXX  online account showing XXXX XXXX is indicating XXXX balance and risk balance paid, I asked them to validate the debt. I never heard from Absolute Resolutions Investments LLC with validation of debt within the 5 days required. The next thing I know is I'm being contacted by a collections law firm XXXX XXXX XXXX threatening law suit if I do not pay and wanting me to sign a Confession of Judgment ( which I did not sign ). I set up payment arrangements to avoid court and requested they validate the debt with Absolute Resolutions Investments. XXXX XXXX XXXX  sent validation request to Absolute Resolutions Investments LLC in XXXX, and returned to me XXXX of the XXXX I paid. They have not heard from Absolute Resolutions Investments LLC. This is on my credit report as a collections. Please assist. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was paid in full XXXX XXXX XXXX XXXX debited my account even though the balance was paid in full. I noticed experian has a {$29.00} balance listed on the report so i called to dispute, the first rep told me no because they saw a dispute in XXXX which was baffling. The second rep told me I had to speak to someone else, the third person was a supervisor who told me she worked in the membership department. the fourth rep played like she could not hear me on the phone and disconnected the line
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX