23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order on Wayfairs website for two stools and charged them to my Wayfair credit card. XXXX delivered the items ahead of schedule on XX/XX/XXXX. I was not home and I was not expecting the items until XX/XX/XXXX. I returned home on Tuesday ( XX/XX/XXXX ) and found only one box at the door. I immediately contacted Wayfair but did not hear back until until XXXX from their resolutions dept. Unfortunarely, I was out of the country until XX/XX/XXXX and did not see the message sooner. Upon my return I immediately replied and followed their instructions. They ask me for an incident report and I did. On XX/XX/XXXX they replied that they needed and actual police report. I call the local police report and asked them to do a police report. I told the police exactly what I told XXXX resolution dept. the police generated a police report number which I gave to Wayfair immediately and said it would take anywhere from XXXX business day to be available. I forwarded the info the Wayfair. They replied again and said they had to have the actual police report and then, they would process the return for credit on the stolen stool. Additionally they wanted the report before XXXXdays from purchased date or the refund would be void. I explained it would be impossible as I dont have any control over when a police report would be available and the XXXXdays would come before the time establishe by police when a report is ready. I am still puzzled why the obsession with the actual police report. I did not give them any new information that I hadnt given to Wayfair already and Wayfair already had the police report number the police had provided. I feel Wayfair is avoiding to process the refund and putting all these obstacles to avoid processing. Im tired of dealing with them and the associate assigned to this situation is less then willing to offer resolution.
Product: Debt collection

MIDLAND FUNDING LLC IS A COLLECTION COMPANY TRYING TO COLLECT BY COURT WITH MY NAME BUT SOCIAL SECURITY NUMBER IS INCORRECT, THE ADDRESS IS INCORRECT IT WASN'T ME AND SENT A AGAINST ACTION TO MY EMPLOYE
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accountswhich is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$38000.00}
Product: Debt collection

I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very XXXX and I am not employed either and Blitt and Gaines continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : LMMINC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LMMINC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a Capital One credit card. When I pulled my last credit report, I noticed I showed one late payment in XXXX of 2017. I called and asked if I could have a one time forbearance since this was the only issue I 'd ever had on this account and am in the process of refinancing our house into my name. The customer service representative said this was no problem and they would remove this late payment. This obviously did not happen or I would not be on your website. Once I saw it was not removed, I called again and this time was told that it was impossible to remove any late payments on the account. I explained the reason we had missed this payment was we were having medical issues with our teenage daughter and it just slipped our mind to make the payment in XXXX. Either way, they said it ca n't be done, I asked to speak to a supervisor and they told me the same thing. I even asked to be connected with whoever had the authority to remove this one issue from my credit report and they told me it ca n't be done no matter who I speak to. I know these issues can be reversed as I have friends who have been able to do just that. I acknowledged the late payment, explained why this happened and that other than this one time, we have never had a late payment on the account. Anyway, I 'm just hoping that somehow we can have this reversed and I can move forward with Capital One and get the refinance done in a timely manner.
Product: Credit reporting

This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.
Product: Credit card or prepaid card

Previously I had a BBT credit card in my name that was opened in the XXXX XXXX TX branch without me being present or signing my name to any documentation by a banker that was opening an account for a XXXX XXXX XXXX XXXX with my husband. My husband opened all of the deposit accounts w/ joint ownership, which I agreed to. However, the banker lied to my husband & told him that the credit card was in his name only since he was the one in the branch at the time. We proceeded to use the card but elected to close the account bc BB & T erroneously reported 4 late payments on my personal credit, which was incorrect, as we had setup autopay and bc bbts system was terrible at best, our autopay wouldnt work certain months and we were locked out of making payments manually online, as well. Therefore, when we raised these concerns, bbt came to an agreement with us that they would remove this card entirely from our credit report when/if we paid off the card, which we did, and bbt proceeded to remove the card from all bureaus until a year later when they showed back up & caused my credit score to plummet right before buying our $ XXXX house- this increased our APR from 2.66 % to 3.375 % costing us XXXX of dollars! I demand removal of the bbt card immediately and in return we wont file suit against bbt & their criminal banker that used my info to open a CC without my approval.
Product: Debt collection

The company below has placed an old XXXX XXXX account on my credit report opened XX/XX/2014. I have never received anything in the mail from them and I have never done business with them. They are reporting this erronouse debt twice on my credit report with two different balances, {$310.00} and {$170.00}. This negative report has ruined my credit and cause me to be denied for new credit multiple times. 

TRI-STATE ADJUSTMENT XXXX XXXX XXXX XXXX. 
XXXX  XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX/XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, XXXX, and XXXX/XXXX  XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account No.XXXX is wrongfully appearing on my credit file on EXPERIAN, XXXX & XXXX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.
Product: Vehicle loan or lease

I have contacted KIA at least seven times since XX/XX/2021 asking for them to send my title for my paid off car loan. I need to register my car in XXXX so that I can legally drive it. They have not sent the title after numerous requests and several hours on the phone with their customer service department. They claim to have mailed it on XX/XX/2021 but were not able to provide any sort of tracking number for the mailing. I have provided my XXXX account number and asked for them to send the title, to no avail. I need to have my car registered so that I can legally drive it. My car is used as transportation for my XXXX treatments. I am unable to take public transportation and have no other access to transportation. This has caused undue hardship and stress. I don't think that I am asking for something unreasonable. I have been treated horribly by Kia customer service over something that should be a quick and routine process. Please provide assistance if possible. Thank you in advance.
Product: Checking or savings account

I sent my self funds to my Fulton Bank ET AL account XXXX from my bill pay at XXXX XXXX. XXXX md sent check out XX/XX/2020   with a date of XX/XX/2020 as the latest date for check to be received & at Fulton Bank ET AL. I have utilized Fulton Bank ET AL 's online message center and have sent them MORE then 4 messages seeking for the XXXX XXXX bill pay check to my self to be credited with NO RESPONSE from Fulton Bank ET AL. I have encountered other problems with Fulton Bank ET AL during the Time I have been seeking to have my XX/XX/2020 check from XXXX XXXX for {$20.00} posted to my account ending XXXX PLUS INTEREST for their error. I have even send them a screenshot from my online ( internal ) message to XXXX XX/XX/XXXX in attempts to get proof Fulton Bank ET AL received & cashed this same check. I have enclosed copy of the check. XXXX XXXX is fully aware that the account numbers to be paid/deposited into is NOT PRINTING on their bill pay checks. Yet with this fact being FULLY DISCLOSED TO FULTON BANK ETAL, THIS DOES NOT RELIEVE THEM OF THEIR CULPABILITY NOR LIABILITIES NOR DIMINISH MY RIGHTS, IN ANY WAY SHAPE FASHION NOR FORM, WITHOUT TIME LIMITATIONS. In one of my online messages thru Fulton 's online banking message I asked about two issues, 1 being this XX/XX/2020 check from XXXX XXXX to myself sent to Fulton, 1 issue regarding pending electronic check deposit for my auto insurance. Fulton 's representative addressed my auto insurance pending electronic deposit and TOTALLY & COMPLETELY AVOIDED THE XX/XX/2020 CHECK FROM MYSELF AT XXXX XXXX TO MYSELF AT FULTON BANK ET AL DATED XX/XX/2020. I AM ENCLOSING WITH THIS COMPLAINT PROOF FULTON BANK RECEIVED AND CASHED MY CHECK FROM XXXX XXXX & PROOF FULTON BANK ET AL 7 HAS NOT POSTED THE FUNDS TO MY ACCOUNT ENDING XXXX. Their app for online from my mobile device NEVER SHOWS any messages SENT TO FULTON BANK ET AL.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell ill which resulted in me falling behind on my car payments and as a result my car was repossess and sold at auction. The problem comes in that I was never given a proper deficiency notice which is required by NC state law nor was I given the time nor location of where the auction was taken place which is also against NC state law. Being that I was unable attend the auction due to not being provided with the time nor location of the auction nor receive an appropriate deficiency balance there isn't anyway for me to verify the debt. 
The company Carmax Auto Finance did put a remaining amount owed on my credit report starting back on XXXX XXXX but the balance has changed several times. I have tried to reach out to the company through phone to no avail and they do not have an email address for me to message them about the issue. I have raise a complaint with both XXXX and XXXX on the matter which both companies conducted a 30 day investigation and found that my statements were accurate. Even within those 30 days still didn't hear anything from Carmax Auto Finance. Thought unfortunately there are still discrepancies across all three of my Credit Reports with this company. XXXX is still showing the balance Carmax claims I owe which is {$6500.00}, while XXXX shows same balance but not the total amount. Also there are discrepancies with amongst the credit reports with last payments receive.
Product: Debt collection

Been disputing this account threw the XXXX  credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They have violates my rights numerous of times.

15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 
15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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: Debt collection

Reached out to the Bureaus, Inc twice requesting debt validation they failed to send the original contract with my signature ... both times they did not answer my debt validation request.. Its been 30 days and i want all debts removed ... file XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX  IN ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX  XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
Product: Credit card or prepaid card

Capital One has two similar credit cards. The Capital One Venture Card and the Capital One VentureOne card. There are a few differences including number of points awarded and the Venture Card has an annual fee. I have the Capital One VentureOne card. On Capital One 's website I saw an advertisement that they would waive the Global Entry or TSA fee if using their card to pay for the application fee. It was a recent offering, XX/XX/2018 and I've had the card a few years prior. I called and confirmed I would be eligible, so I signed up, it was {$100.00} application fee. They stated it would take 1-2 billing cycles to be reimbursed. After a month I called again, confirmed it would be reimbursed and to wait another month. After month 2 it still wasn't reimbursed I called again and was informed this was only eligible for the Venture Card, not the VentureOne card I had. I feel this is deceptive to have two cards with very similar names but different features and I was told it would be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have se nt two documents ( DL & SSN ) to   XXXX  on  XXXX   XXXX .     They confi rmed over the phone they will update within 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the document and they are completely clueless why  they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  XXXX   XXXX