23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only XXXX inquiry was removed in my XXXX credit report, but the rest of the items were still reporting in my XXXX Credit Reports. And I need them REMOVED from my credit file. I am requesting the XXXX, Equifax, XXXX to please see the items I listed here in this complaint for you to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Records from XXXX XXXX XXXX  and Comenity Bank XXXX XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the reporting of late payments from XXXX by XXXX XXXX XXXX  and Comenity Bank ( XXXX XXXX ) on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), these creditors have violated my rights under 15 U.S.C. 1681, specifically : Section 602 ( XXXX XXXX and Statement of Purpose ) : This section establishes my right to privacy, emphasizing the importance of ensuring that credit reporting practices are fair and protect consumer confidentiality.

Section 604 ( a ) ( Permissible Purposes of Consumer Reports ) : This section prohibits consumer reporting agencies from furnishing a consumer report without a valid reason, such as my direct authorization or a permissible purpose under the law.

Additionally, payments on open consumer accounts can not be reported as late if they are within the agreed-upon terms or grace period defined in the original account agreement. Reporting such payments as late without clear, documented authorization violates the FCRAs principle of ensuring accuracy and fairness in credit reporting.

As these rights and protections have been violated, I am requesting the immediate removal of these late payment records from my credit report.

Please confirm receipt of this complaint and advise me on the steps your agency will take to rectify this matter. I look forward to resolving this issue promptly.

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

HSBC claim deposit in my account was counterfeit this check was issued from XXXX XXXX XXXX XXXX for my cousin who was XXXX from XXXX. HSBC dont wan na replace the check because they cant properly tell me where the funds is at. I need documentation that states cgeck indeed was fraud which I know was not the check was XXXX I have also contact the insurrance company that comfirms check was not fraud so I need to know where the bank is getting this information any fraud checks the bank gets a XXXX security form to fill out I will like a copy
Product: Vehicle loan or lease

* Driveway Finance Corporation under Lithia Motors will not provide me with a receipt of all payments that is legible so my numbers are approximate, but are correct as was confirmed by one of their own representatives on my third call to them about this issue. 

Driveway Finance Corporation ( DFC ) has currently stolen {$500.00} dollars from me by refusing to properly allocate my payment of {$830.00} on XXXX XXXX to the principal as is my right by law in New York state. Before the payment on XXXX XXXX my principal was approximately {$7800.00}. When paying more than the amount online, the balance is automatically applied towards a reduction of the next upcoming bills. I called DFC on XX/XX/XXXX and asked for my payment to be applied in full towards my principal, as I have done many times before. I called back on Tuesday XX/XX/XXXX when I saw that nothing on my account had changed and the payment was still being used to lower my principal by {$330.00}, pay off the XX/XX/XXXX payment ( of {$330.00} ) and partiall reduce the XX/XX/XXXX payment to around {$140.00}. So instead of {$830.00} being directly applied to my principal, {$330.00} dollars was applied to my principal and the remaining {$500.00} was applied to the upcoming payments leaving me with a principal balance of {$7400.00}. I was fraudulently told my a service rep on XX/XX/XXXX that this was normal and how the process had always worked, but that they would make sure the money was no longer applied towards my upcoming payments and put towards my principal. I asked to be sent a complete receipt of payment with the new principal amount after each payment. They sent me a pdf of an XXXX file that had unexpanded columns, rendering the whole file illegible. The next day, on XXXX XXXX I called back again after seeing no change in my account and spoke with one of the same reps and was confirmed that something in the system was wrong and this would be escalated. I was put on hold and then hung up on. I called back an hour later and was told by another rep that this was all correct and the way the system was supposed to work and that even if they made sure the money was not applied towards my upcoming payments the amount of my principal would not change. He would not do the math when I asked him to. As of XXXX XXXX I have checked my account to find that they fraudulently stole the money applied to my upcoming payments ( {$500.00} ) without applying that money towards my principal. So my principal currently stands at {$7400.00} and I also have an upcoming payment for a full XXXX on XX/XX/XXXX. They have not lowered my principal and have been charging me interest on the {$7400.00} principal instead of the {$6900.00} principal that it is supposed to be. They have stolen {$500.00} from me and are charging me interest on a higher principal as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a SEVERE problem with Early warning Systems regarding a report regarding XXXX which was an account I was held responsible for even though I was the victim of a Romance Scam which I have ample proof of. I was called by Early warning Systems about 2 weeks ago and was told that the " XXXX file '' was being taken off my report and I could re-activate my XXXX XXXX XXXX XXXX account. I therefore contacted XXXX and asked them to re-run the early warning report, but instead of activating the account, XXXX closed my account as early warning did not fix the problem as reported, and now I am RUINED financially and barely surviving as I have been the victim of multiple of Identity thefts and hacks and as a XXXX year old need to really have some help, and managed even get statements from the woman who did this to me as contacted me again as she was trying to " drag '' me into another questionable transaction but I have her blocked now and I am requesting some specific assistance as I face so many issues now that I am worried about pure SURVIVAL. Is there some way that I can put together all the documentation and ask for the CPFB to intervene into this complex case which did yield me not a XXXX and now I can not even open a bank account ... PLEASE!!!
Product: Debt collection

Wayfair is alleging I owe debt for items returned. They processed the return and granted the refund. There were active cards on the account to charge if the order was not received for refund - however they received it and processed it. No one from wayfair contacted me or expressed I owed. They have failed to reach out regarding the account for months and when I log in, my balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX   XXXX , &  XXXX   XXXX   XXXX , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother  XXXX   XXXX  and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is  XXXX   XXXX  's debt and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to all and I pray that all is well during these trying times. I've had an issue with a XXXX account appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/2020 for {$16000.00} and I reached out to CarMax and to XXXX  in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to CarMax and XXXX  explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing this CarMax account from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I sent a debt validation letter to National Credit Adjusters XX/XX/2021. I never received a response and they are still reporting to alleged debt to the credit bureaus.
Product: Credit card

My problem started in XXXX 2013 when I had a credit card issued by Synchrony Bank and I had stopped getting monthly bills from them, at this point I was unable to login online, or contact anyone through their customer service line, because they stated that I had passed away. Now as you may or may not know I am writing this so therefore have not passed away, and am very much alive. I 'm left unsure of where to turn with my problem and thought that maybe it would eventually go away. Now I 'm stuck with a credit card that was Charged-Off due to non-payment, which they would n't take. Due to this issue still not being resolved my credit has dropped significantly, and they are still unwilling to resolve this matter. Please if you can I would very much appreciate your help in resolving this matter.
Product: Credit reporting or other personal consumer reports

Due Too the company XXXX XXXX put a judgement against me that I was not aware of until now XXXX, XXXX  they did not take me to court for this issue or notify me I also have witnesses that can state the property damages were already there when I moved in so I don't think the damages were my responsibility. I can also state I was pregnant and had my baby there was no ac in the home for me and XXXX kids and we had to buy a XXXX unit to keep cool in XXXX room also the railing was bad and as well the property only was in good shape for the time being of my inspector to inspect the unit. also the unit walls wasn't properly fixed and the electrical sockets would not work the whole unit was just rigged up. I notified the complex of the issues they were not resolved so now there trying to put the damages on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation under the FCRA laws 15 USC 1681 602A that states I have the right to privacy and 15 USC 1681 604A Sec 2 that states that a consumer reporting agency can not furnish any account without my written instructions which I have not given. There are also hard inquiries that were not authorized by me and my investigation and deletion requests have been ignored multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX & XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00XXXX XXXX XXXX XXXX XXXX Balance : {$750.00XXXX XXXX XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$120.00}
Product: Credit reporting or other personal consumer reports

The last complaint was closed with no explanation provided. I will continue to file these complaints and im will now seek damages.
Product: Credit reporting or other personal consumer reports

The Chase ink business card belongs to XXXXXXXX XXXX XXXX XXXX XXXX. Yes i am XXXX XXXX XXXX XXXX XXXX XXXX  XXXX our law clearly states a company card if belongs to LLc is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( AUTO ) HAVE NEVER SIGNED UP OR PLACED AN APPLICATION FOR A CAR. 

XXXX  XXXX XXXX XXXX ( finance ) havent applied for a loan ever XXXX ( bank ) not sure what this is but never applied for that as well XXXX XXXX ( Bank ) again never applied for a bank loan or credit in. a while so this is inaccurate. 

ive reached out to each of these companies and they have not fix this problem i need these unauthorized inquiries off my credit report removed and all.
Product: Money transfer, virtual currency, or money service

I am filling 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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am filing a complaint against Nationstar Mortgage, LLC Mr. Cooper I recently purchased a home on XX/XX/XXXX through my mortgage company, XXXX XXXX XXXX. I completely own this house through XXXX. 

On XX/XX/XXXX, a woman rang my door bell for the second time in 1 months time. She stated that the company she works for is asking for interior check on my newly purchased home and that her company thinks the house is vacant. Both times I told her obviously the house is not vacant since I am speaking with her. 

The first time she came, I spoke with her through XXXX XXXX and she went away. The second time she came, XX/XX/XXXX, I came to the door because she had given me a paper with a number to call. ( Please see attached ) I called the number and no one there is able to assist me with this issue. So, I've called my POC for my mortgage. She stated that this company is indeed soliciting and trying to get me to refinance my home. This is a super weird, unprofessional, and scary way to advertise about a refinance! I live alone, so to have a random person keep knocking on my door about a vacancy on a house that I clearly own is frightening and unacceptable.
Product: Credit reporting

I filed a dispute both online and over the phone with Experian about a credit inquiry that does not belong to me. I was spoken to very rudely by several representatives and refused help. I have a fraud alert on my credit file. This inquiry is not mine. The following inquiry does not belong to me : 1. XXXX XXXX/XXXX/2016
Product: Checking or savings account

My checking was changed with proper notice. The account has received over {$750.00} worth of fees because of this change. I deposit money in the account to avoid fees but the funds are being held up by 3-5 days Making my account go negative. I have notification the account to avoid fees but the funds deposited in the account has been access to fees. The fund should be funded to the account to avoid fees ; BOA. Policy states that fund deposit in the account within 24 hours wouldn't be accessed a fee. But my account has been access with multiple fees before the 24 hours are over. I try to discuss the concerns with the customer relations manager. But was told it's not his problem.
Product: Checking or savings account

Bank of America fraudulently opened a checking account without my knowledge and without my consent. I tried to dispute with BOA in XX/XX/2023. They refused to close it. I filed a complaint with Consumer Finance after seeing that BOA opened accounts without authorization. It was soon determined that the bank account was illegally opened. I requested that this account be closed immediately. Today I received another bank statement in the mail from Bank of America. It's still opened even after Bank of America sent me a letter stating that after an investigation it's been determined the account was opened without my authorization and it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Checking or savings account

I was scammed by merchant/vendor through a company called XXXX. The vendor scammed me and strung m along over months regarding a service for a program to be created. It eventually ended with them not acknowledging issues and stopped communication. XXXX wouldn't intervene. I opened a dispute with my bank ( chase ) and they said it was denied due to timing limits. They wouldn't consider an appeal nor open any litigation against the company or merchant/vendor.
Product: Credit reporting or other personal consumer reports

**INQUIRIES*** This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Product: Vehicle loan or lease

I reached out to the company and demanded that they furnish any documentation with my yet ink signature stating that I gave said company to furnish information to my credit report ( 15 usc 1681 ( b ) ). Even filed a dispute with the consumer agencies. 

They have exhibited unfair business practices UCC 9-609 ( b ) by stepping on my property, and UCC 9-623 by denying my right to reclaim vehicle.