23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX  store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by Experian I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS
Product: Vehicle loan or lease

I purchase a XXXX on XXXX XXXX, 2019. I found a damage on the door and file damage with XXXX, On XXXX, I went back to XXXX, XXXX offer me to fix the car, I refuse to fix it, I request for replacement, since the car is in demand, and there were no car available similar like mine. So the only choice i hadis to return the car, which they told me if I did return the car, I had to wait for down payment to be return in 45days due to their return policy. I can not wait for 45 days without a car. So I ask them what other car that I could take delivery today? He check the inventory there 1 available but cost estimate {$9000.00} more then the current model I took which was the performance model. Anyway I had no choice either I come home with no car or take the model they had. So I decided to take the model 3 performance. So they re do the contract and ask to sign a new agreement with similar down payment, I ask what happen to down payment, he said he has to make separate and new contract has to have the down payment which I understood, I asked, can it be transfer from the old contract? He said he can not. He said he will try to cancel or refund the money as soon they can before the other contract ach to withdraw. The next day I called them about the down payment they told me it will not be return until 45 days due to XXXX return policy. Now I have a new contract drawn from my account estimate {$25000.00} and I am out with old contract {$25000.00} and I have a loan of over $ 30k with Wellsfargo. I need help. My name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX. XXXX  Date Updated : XX/XX/XXXX. 

Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

1. On XXXX XX/XX/2022, I received a letter through the XXXX from a company identifying itself as NCB Management Services Inc . The letter claimed they were acting as a debt collector for a loan issued through XXXX XXXX, c/o XXXX XXXXt ( two banks I had never heard of nor have ever had any business dealings or accounts ) and were demanding payment of a -supposed- {$3900.00} debt. By the time I saw the letter it was too late in the day to call this company, so I waited until the next morning. 
( NOTE : The day before, I had received a disclosure letter from NCB that outlined their policies on collecting consumer info, etc. Since I had no idea what this was about, I had set it aside. ) 2. On XXXX XX/XX/2022, I called the number for NCB Mgmt. Serv. Inc. I spoke to one staffer, explaining the debt could not possibly be mine. I was then transferred to a woman identifying herself as " XXXX XXXX '' and claiming she was a supervisor. She insisted NCB had purchased the debt from XXXX XXXX, our phone conversation was being recorded and she wanted " to help me settle this debt ''. I informed her " they would not get a penny from me, because it wasn't my debt '' and promised I would get this resolved. 
3. After an online search, I obtained a phone number for XXXX XXXX  ( in Utah - I live and work in a different part of the country ). That staffer confirmed I did not have any loan connected with their bank and gave me a phone number for XXXX XXXX 
4. I then called XXXX XXXX  and spoke to a staffer there, who checked the info I gave her from the letter. She spent several minutes in this task. Then, she recommended I contact identitytheft.gov ( which led me to this site ). 
5. Next, I called the 2 local banks where I had applied for the PPP grants for my business ( and both those grants were approved for Loan Forgiveness ). One of the bank managers did some additional checking with their fraud department and she informed me this was a scam - instigated by people using the publicly available data on the PPP loan recipients to coerce those recipients to believe they still owed money to the PPP Loan program.

6. I was advised to put a freeze on my credit reports ( done ), and am now contacting this agency with my experience.

7. Initially, I was planning to respond to the NCB letter, but have now decided to ignore them.
Product: Credit card or prepaid card

I ordered a clothing package from XXXX XXXX on XX/XX/2020. The order was shipped in two seperate packages. The first package was marked delivered on XX/XX/2020 by XXXX marking my package delivered. I NEVER received this package. I live in a gated community and have a XXXX camera doorbell that catches ALL motion on my front door. I work from home and my desk is right next to the front door. This package contained 3 items totaling {$450.00}! I immediately called XXXX XXXX within hrs and told them this package was not delivered despite the notification. They told me to wait 2 days. After 2 days, I called back and they told me they could not do anything and to file a claim with the credit card company. I disputed the charge and XXXX XXXX froze my account. I called XXXX XXXX and spoke to a chargeback coordinator that told me to file a police report in addition to the credit card dispute. I told them the package was not stolen it was misdelivered. I opened a dispute with XXXX  and a driver complaint. They offer no solutions. The credit card company denied my dispute because XXXX driver claims he delivered this package. This is the second package within one week that was NOT DELIVERED from XXXX. ( XXXX refunded my {$110.00} after I disputed the charge ). Both packages marked delivered on a Thursday. I filed a police report, the police laughed at me and filed the case closed. I am now out {$450.00} for over 2 months!! I refuse to purchase anything from XXXX XXXX ever again. The credit card company offers no solutions. XXXX XXXX told me to file an insurance claim! XXXX XXXX customer service XXXX XXXX was completely rude and stopped replying to me when I provided the completed police report and the credit card closed the dispute. I have ordered THOUSANDS of $ of clothing from XXXX XXXX and NEVER had an issue and they treated me like a piece of XXXX!! I want my money back!! Barclays Uber credit card is a scam.
Product: Credit card or prepaid card

I am writing to plea for my dispute to be opened and attended to for my card ending in XXXX. Depsite XXXX attempts its been turned down on a higher level. On or about XX/XX/XXXX I purchased a 2 year term warranty from XXXX XXXX XXXX XXXX for {$5500.00} that was supposed to take effect on XX/XX/XXXX. On or about XX/XX/XXXX XXXX attempted numerous times to get in touch regarding my vehicle. After getting in touch, both XXXX and I were ignored, not answered, not helped, and not provided the service per the contract. XXXX ( the rep ) responded through XX/XX/XXXX without any further responses despite numerous attempts on my part which is very well documented. It is very apparent this is how your company operates, you can see it on the google reviews, and their XXXX  profile further proves your fraudulent company. I reached out on or about XX/XX/XXXX I attempted to dispute this initially. Ive worked managing gyms my whole career and Ive seen chargebacks go back a year due to contract charges and service not provided. The dispute team tried explaining to me I was a couple weeks outside of some 118 day window of dispute, but nonetheless the did attempt to open it, a rep called and explained I wouldnt be awarded my whole dispute amount but more of a partial amount for the months not used, I wasnt happy but I would accept it, then I get a letter saying there is nothing chase can do about the dispute. The company provided a forged signature contract so I uploaded evidence proving it was no where close to my signature or initials, then they said my repairs were not covered by the contract the contract CLEARLY states automatic transmission is covered and thats what my repair was, again in the XXXX line it mentions sensors in general which a sensor went out as well meaning the repairs ARE supposed to be covered. Go on XXXX  and XXXX read their reviews, this is what they have a pattern of doing ignoring the client then saying it was not covered whether it really was. They are a scam company. I am begging for someone to help me with this remaining {$1300.00}, a fraudulent company scammed me and instead of being protected by my credit card company I am told oh well. I am going to keep pushing this both with the company and with you chase bank even as far as small claims if need be. This is not ok, and as big of a company you are, I would of thought youd care and protect your clients much better than this, it is very negligent on your part. Im praying for help and that you do the right thing in this matter and push this dispute. I truly feel victimized in this situation, and am very skeptical about using cards and purchases. I Feel Chase has fully let me down and did not provide consumer protection as promised when using credit cards.
Product: Credit card or prepaid card

I have an account with XXXX Bank / Care Credit. It's a credit card used solely for medical and dental finance. I've had my account since XX/XX/XXXX. I make payments of {$45.00} each month. All payments have been made on time as of XX/XX/XXXX. In XX/XX/XXXX I made payment of {$45.00} by phone using their automated payment system. Payment due date is XXXX of the month. The week of XX/XX/XXXX XXXX I started receiving collection calls. The bank claims I was late and would be charged a {$40.00} late fee. I spoke with an offshore customer service person who gave me the reason for the collection calls. I told her how can you assess a late fee when I paid well before the due date. She said it's their policy. This has to be bank fraud as I was not late. I will include a screen shot of my bank record. The bank has increased my balance which should not be allowed. I did research on XXXX. This company also know as GE Capital has a history of abuse to its account holders. They should be censured by the federal government.
Product: Mortgage

Caliber Home Loans has not specifically responded to 24 C.F.R. 1024.35 subsections ( XXXX ) Any other error relating to the servicing of a borrower 's mortgage loan and ( XXXX ) Response to notice of error and the ( XXXX ) Investigation and response requirements. 
The Assignment of Mortgage filed in the Office of the City Register of the City of XXXX on XXXX XXXX, XXXX, is without legal authority. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX XXXX Mortgage, LTD did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a XXXX with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX, XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed Assignment of Mortgages as an ( Assistant Secretary ) for XXXX XXXX XXXX XXXX Mortgage Corporation on XXXX XXXX, XXXX despite the fact XXXX XXXX XXXX XXXX publicly went out of business in the year XXXX.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to your company, but the same inaccurate information remains on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting accurate information.

Attached are copies of all the letters I previously sent.
Product: Credit card

I applied on XX/XX/XXXX for XXXX different credit cards with Capital One. Both applications were rejected. One of these was particularly surprising as they had informed me I was pre-approved for the credit card. 

I knew, and they also told me that they were obliged to tell me the reason why my application was rejected, so I waited for a letter. It never arrived. 

I rang on XX/XX/XXXX, and was told I should have received a letter, but I had not. They said they would send a letter, and I gave them my address ( again ), pointing out that they already had my address. 

No letter has come. I range Capital One today, and all they could offer was the same again, of sending a letter that I have every reasonable expectation also will not come. It is not good enough, and Capital One does not appear willing or able to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since XXXX and Transunion couldn't help me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Charge off XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 2 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

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

These companies acquired my report without my permission Ive asked for the permission letter several times an no one has produced anything please help me remove these items. Under the fair credit act 15 usc 1861 they must have permission to run my credit an provide proof.
Product: Credit reporting or other personal consumer reports

Public record needs to be removed from 2016 Collection account needs removed All late payments on XXXX XXXX are inaccurate All late payments across all counts are inaccurate
Product: Mortgage

This is a continuation of complaint # XXXX. 
Freedom Mortgage continues to be deceptive and uncommunicative in the correction of the original problem ( see XXXX ) the status has NOT BEEN RESOLVED ) Currently Freedom has cashed my check of {$2500.00} on XX/XX/2018. As of XX/XX/2018 this payment is still not posted to my loan XXXX and Freedom refuses to communicate with me on this issue! Freedom now is trying to charge me an additional {$76.00} fee for their total incompetence to correct THEIR OWN ERRORS. Their shameful business practices should be corrected. I have been attempting to correct the errors has gone on for 54 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my reports from all credit bureaus for accuracy. I have noticed that there is a credit inquiry on my Equifax report that I did not authorize and had no knowledge of. I contacted Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiry that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.      XXXX / XXXX  dated  XXXX / XXXX /  XXXX
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting

I have been trying to correct my credit report since XXXX XXXX, XXXX. Equifax and Experian have corrected the information. Transunion has not. I have contacted them by phone more than five times. I have also filed more than five disputes. I sent a written dispute at the end of XXXX XXXX with a copy of my mortgage bill for XXXX XXXX. I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged on XXXX XXXX, XXXX. I was and still am in the home. I am paying the mortgage on time. A manager and I contacted Transunion. The representative was told that my information was being sent to them by the manager. The representative told us that he could not continue the three-way call. The letter that was sent was XX/XX/XXXX, with a copy of the bill. By XXXX XXXX, which had not been 30 days, I received a reply that SNC had not responded to Transunion. Transunion removed XXXX from my credit file. The XXXX manager and I made the call, after I received the letter. My auto insurance is due to be renewed. They will raise my rates, because of my credit report. Can you help me with this? This is unacceptable. The credit bureaus should have to refund the money that they receive from the companies that pay for reporting. The money should be put in a fund for consumers to use, or refunded to the consumer whose credit is affected. I would like my Transunion credit report corrected to show that I am paying SNC Servicing, my mortgage company, on time, since the beginning of the mortgage. I would like a letter of apology. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Noticed I started getting unauthorized use of my personal information and my credit report out without my consent long story short I had to freeze my accounts cause they said they couldnt do anything for me which isnt right given this is my personal information and they are supposed to provide the proper security for this information and they failed to freeze my account causing me to be more exposed and opened me up to more identity fraud and theft and they didnt honor my request for my account to b frozen
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX  ), XXXX  XXXX, Synchrony Bank ( SYNCB/CARE CREDIT )
Product: Debt collection

Comenity Bank responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 Comenity Bank continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND Comenity Bank to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and ineffective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, theyre dispute resolution process was unfair and deceptive as they did not comply with error resolutions requirements under the electric fund transfer act ( EFTA ) and reregulation E. These actions have caused significant inconvenienceand financial loss and I seek appropriate redress for these violations.