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

One of the first and most glaring issues is in relation to the underlying contract signed by myself, XXXX XXXX, and my daughter, XXXX XXXX. On XX/XX/XXXX, believing the contact at hand was final, we took possession of the XXXX  XXXX XXXX. According to XXXX XXXX of XXXX- on XX/XX/2021 we needed to return to sign another contact as the contract at hand was not final and that XXXX  required a three year maintenance warranty to complete the transaction. This was an obvious attempt at tie-in-selling for a lower payment ( Anti-Trust ) and was part of the spot delivery scam being executed by the dealership. 

As indicated while on the phone, all of which are recorded conversations, we did not want an additional warranty nor the original extra care warranty. It appears, from XXXX XXXXXXXX account XXXX, those wishes were not honored. Shortly after refusing to sign more paperwork, XXXX XXXX texted that the payment was lowered to {$800.00} and we would need to sign new paperwork... again. Sometime thereafter on XX/XX/XXXX the account became {$810.00} with the warranty tied in to the price. 

During the phone conversation on XX/XX/2021 the money factor / interest rate was requested numerous times and those requests were refused. A full payment breakdown was refused because it would require too much time to print off. To date we have never seen the final documentation and XXXX XXXXXXXX claims XXXXXXXX XXXX  is in possession of the warranty documentation. 

It has also come to my attention during the investigation of these issues that the trade in vehicle was undervalued by nearly {$3000.00}. The vehicle trade was based on BASE MODEL pricing, but the vehicle, which is evidenced by screen-capped and recorded sales offerings on various websites including XXXX XXXX pre-owned wesbite, was sold as the XXXX  MODEL. At this time the vehicle has been sold for {$17000.00} according to the BMV online. 

This entire transaction has been a farce. The documentation provided at the dealership had no proper notice of cancellation and no rights were given to alter the transactional documents without approval. There are also multiple forged signatures on the warranty and contract provided by XXXX 

We have tried for months to get the dealer and lender to correct the issue, with the dealer offering to pay for " months '' of the lease, but that is in adequate given that the loan is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep putting stuff on my background report that goes pass the expected time needed in order for me to obtain a job.For example my job only goes 7 years back on a background check but they put stuff on there from 15 years and 13 and 11 years back that is negative and purposely trying to hender me from receiving employment. Im ready to sue them for discrimination damages and violating my cares act rights. Its totally damaging to a persons future and its unfair to a person that has changed their life around and they bring up things not even needed.
Product: Vehicle loan or lease

Basically what happened with Credit acceptance is that I got an XXXX XXXX XXXX in XXXX from a car lot call XXXX XXXX XXXX. My car started to make noise and engine was going out after having my car only for XXXX months I ask can I switch my car out. They advise that I should still pay on the car even if it wasnt drivable. So I told them to come get my car in XXXX of XXXX they didnt come get my car until XXXX of XXXX. And I did not have my car for a year yet before stopped. Also they sent me a letter with a settlement that I feel like is not fair to pay due to my car stopping and I turn my car in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegally added a medical creditor to my file that I have no association with oncesoever. This is NOT my account. They promote that I can dispute it online but when I try to follow their instructions their website says my password is wrong. When I reset the password using their instructions it still says it is wrong. I can not log in. Their support just tells me to wait x hours every time. This is going to effect a closing IN PROGRESS and I will sue everyone involved if it does. 

XXXX XXXX Last reported XXXX XXXX, 2022 {$150.00} Open balance XXXX  XXXX XXXX  XXXX Original creditor THIS IS NOT MY DEBT I LIVE IN FLORIDA I DON'T LIVE IN ARKANSAS I NEVER LIVED IN ARKANSAS! I HAVENT BEEN TO AN EMERGENCY ROOM IN 20+ years AND I have HEALTH INSURANCE to pay this XXXX!
Product: Checking or savings account

I am a NFCU member and have checking and savings accounts with them. Due to the fact that I live far from a NFCU branch, I've opened a checking account with XXXX  XXXX XXXX to make atm deposits and then transfer funds to NFCU with my debit card, which funds becomes available immediately, since they are processed a cash advance. 
Today I deposited {$200.00} at XXXX  XXXX XXXX and then called NFCU 's automated system to make my transfer as usual. 
When I was finished entering my XXXX XXXX XXXX debit card information and transfer amount for {$200.00}, I got a voice response from NFCU advising me that there was an error on my transfer and transfer was not completed. 
When I checked my XXXX  XXXX XXXX account, my balance was {$0.00} and it showed a {$200.00} transfer to NFCU account. 
I immediately contacted NFCU to see where my funds were and why my funds was not posted to my account, since transfer was made with a debit card and becomes available immediately, and the representative said it was because it was the end of the day. I told her that those types of transfers becomes available immediately, so I was transferred to a supervisor named XXXX who told me that NFCU had rejected my transfer, but she could not give me more information, saying that there was an address mismatch. 
I then contacted XXXX  XXXX XXXX and the representative put me on hold, then the call got disconnected and then it came an automated voice system saying that the bank was already closed. 
My {$200.00} funds are not on my XXXX XXXXXXXX XXXX or NFCU account and nowhere to be found and both XXXX  XXXX XXXX and NFCU are not taking responsibility on this situation, yet, my money is being held on one of the two banks and I have no further information about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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. 

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 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give XXXX, XXXX, Experian written instruction
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint against Affirm regarding the mishandling of a refund and their refusal to reverse charges for a trip purchase made through XXXX on XX/XX/year>. I canceled the purchase the same day, XX/XX/year>, within XXXX hours, as per the terms and conditions, and received a partial refund for the hotel portion of the trip. However, I have not received a refund for the flights, even though the law states that flights should be 100 % refunded within XXXX hours of purchase. 

Despite multiple attempts to resolve this issue with Affirm 's support team, they have refused to reverse the charges for the flights I never took, amounting to {$520.00}. I have a flawless payment history with Affirm, having successfully paid off XXXX installment loans for trips and items I actually used or purchased. I even offered to pay the full balance of the loan, despite not being responsible, if they removed the late payment reporting from the loan. 

To my dismay, on XX/XX/XXXX, Affirm charged off my account instead of addressing and rectifying the problem they created. This not only reflects poorly on their customer service, but it also has a negative impact on my credit score. 

I believe that Affirm 's actions in this matter are in violation of consumer protection laws and regulations. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action against Affirm to ensure fair and just resolution. 

Thank you for your attention to this matter. I look forward to a swift resolution and a satisfactory outcome.
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

Covington Credit, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as 30 days late in XX/XX/year>, XXXX is reporting me as 30 days late in XXXX of XXXX, and XXXX is not reporting any late payments and has a different account open date and a different last transaction date. Please remove this from my credit immediately and I am requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Debt collection

{$80000.00} was paid from my trust account with my social security number from the 15 U.S. Code 1692e Fair Debt Act.after payment i received a notice of receipt of paid in full about 2 weeks later i got a notice that the payment was there but they state that they had a notice of incorrect account. i request a coy of the reject code from my trust account the oringal stamp to report to the bank that was set up at my birth. I feel my consumer Right are and have been violated. and no full disclosure with this company
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Debt collection

Midland Credit has continued to send me emails and postal letters even after being sent numerous debt validation letters and a cease and desist letter. They will answer the phone and then hang up. They refuse to validate the debt and now have reported to the credit bureaus the same debt but twice, which brought down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ...

They have not provided a method of verification and the reporting information is wrong the Bnakrupct court has stated that they did not provide any information
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, MY NAME IS XXXX XXXX XXXX I have made several attempts to try to dispute these items with all 3 major credit bureaus with no luck of getting them remove off my credit report. 

The following company I requested that all 3 major credit bureaus removed and deleted are XXXX XXXX XXXX XXXX XXXX MY ISSUES ARE MY NAME, ADDRESS IS WRONG ON THAT ACCOUNT, ON XXXX ACCOUNT REPORTED WITH 72 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON XXXX THE SAME ACCOUNT REPORTED 92 % OF PAYMENTS MADE FOR THIS ACCOUNT ON TIME. 

ON EXPERIAN THE SAME ACCOUNT REPORTED MISSED PAYMENTS FOR XX/XX/ WHILE REPORTED THE SAME PAYMENT ON TIME ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MINE USED WRONG NAME AND ADDRESS THAT DOESN'T BELONG TO ME. 

OPPLOANS/FINWISE : NOT MY ACCOUNT, MY NAME AND ADRRESS ARE WRONG AND THEY HAVE 3 DRIFFERENT ACCOUNTS ON ALL 3 MAJOR CREDIT BUREAU XXXX XXXX XXXX XXXX  XXXX THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG PLEASE PROOF OF MY NAME. 

XXXX XXXX XXXX XXXX  : THIS IS NOT MY ACCOUNT, MY NAME AND ADDRESS ARE WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX  XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX has been disputed as fraudulent information is being reported, I have contacted XXXX multiple times as they have failed to provide me with documentation or written verification concerning this account. XXXX is reporting this account as open since XX/XX/XXXX, Equifax reported this account open as of XX/XX/XXXX, and XXXX has failed to provide any payment history. 

I have requested and demanded validation on multiple occasions and they have failed to provide me with proof of the debt. Please see below for the dates I have submitted a proper investigation. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Credit card or prepaid card

XXXX was charged {$140.00} on a Fraudulent purchase on XX/XX/2022. I sisputed the charges and notified credit card company.
Product: Checking or savings account

I was saw find my credit score report on me I dont know that they never letting me know about talk Medical for payment {$150.00} I wont pay for that {$150.00} because they never communicate without with me contact them that how so if you keeping reporting on me credit I will say dispute with pay XXXX also because non unemployment and I trying looking job apply find hard job I was did apply completely they hire not me that why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX filed a collections notice with TRANSUNION credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. XXXX sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with TRANSUNION. Instead, every month, TRANSUNION increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but Transunion has always sided with XXXX without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX