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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNDER THE STIPULATIONS OF 15 US CODE 1681i ( 6 ) ( iii ), IT IS MANDATED THAT CONSUMER REPORTING AGENCIES XXXX, EQUIFAX AND XXXX  ARE REQUIRED TO FUNISH A WRITTEN NOTIFICATION TO ME UPON REQUEST , DETAILING THE XXXX  EMPLOYED TO VERIFY THE ACCURACY AND COMPLETENESS OF THE INFORMATION ON RECORD .THIS INCLUDE PROVIDING THE NAME AND ADDRESS OF ANY INFORMATION PROVIDER CONTACTED DURING THE VERIFICATION PROCESS, ALONG WITH THEIR CONTACT NUMBER. OVER 30 DAYS AGO, I SOLICITED DOCUMENTATION TO SUBSTANTIATE THIS ACCOUNT, YET I HAVE RECEIVED NO SUCH DOCUMENTATION, WITHOUT LEGITMENT PROOF BACKING THESE ACCOUNTS, IT HAS NO BASIS TO BE INCLUDED IN MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I posted a couch for sale on XXXX and XXXX XXXX sent me a cashier 's check for {$1900.00}, which was much more than I was selling the couch for. He asked me to pay movers {$1700.00} to deliver the couch to him. I sent {$900.00} through XXXX to him before I realized it was a scam. PNC and XXXX were unable/unwilling to help in any way. The cashier 's check was mailed from a large office building in XXXX XXXX, and used the routing number of a XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The check bounced about a week later.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address DOB : XX/XX/ Last 4 of SSN:XXXX Date:XXXX Bureau Name : XXXX XXXX XXXX XXXX Experian Bureau Address : Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit, please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Multiple attempts per day. The phone will ring once and will hang up before I can answer. Wo n't identify themselves when I can answer. Wakefield has used unfair practices on a number of people I know. Including not honoring payments sent towards the actual debt!!! My wife for instance and a garnishment. I never get mail from Wakefield.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION REQUEST LETTER To whom it May concern.

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities. All three Credit Bureaus are reporting the incorrect and different credit scores. Equifax, XXXX, XXXX XXXX have all been reached out by me and contacted. Some people are reporting things on me I never verified. 

Are you Familiar with something called the 15 U.S.C. Sec. 1681i ( a ) I heard if you cant provide proof of these accounts to verify if they are correct. So, could you please check on these and get back to me?
Product: Student loan

I was done with college in 2009. I got sick with XXXX XXXX XXXX shortly after I was done with school and ended up XXXX my job. I was newly diagnosed with the XXXX and had no idea how to control it so it took me a long to to get it some what under control. I contacted Navient about how to get help with my payments, they put me on a forberance and continued to do so for a few years and finally When my wife was dealing with her loan provider she was told about an idr. so i called navient about it and then all the suden they didnt have my file no more it was now with a company called pioneer recovery. finally after months of the run around I had to get out of default with a 12 month payment program then i could get on the idr. The payments i made to the program i have never seen applied to my loans. i was on the idr untill the coronavirus pandemic started and it expired a month ago. I have also been getting notices from navient every month about the intrest on my student loans continuing to add up and I thought it was suppossed to be paused.. I just recently found out about how they were suppossed to be fixing this issue and was wondering how or when because payments are suppossed to start back up soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : XXXX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ( 8 ) XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I turned in my XXXX XXXX XXXX 3 months early, XX/XX/XXXX, due to the diesel emissions scandal. In addition this new lease vehicle had numerous mechanical problems including parking break failure. VW has let me down. 
In XX/XX/XXXX I paid off the entire lease in advance. I had also overpaid an approximate amount of {$850.00}. I have had a {$0.00} balance and surplus since that time. The surplus amount was refunded to me earlier this year. My balance on recorded continued to be {$0.00} through XX/XX/XXXX. 

When I moved to cancel the lease, the XXXX XXXX XXXX made it very clear that any lease payment refunds are only handled by VW Credit -- the 2 operate separately. I did n't receive a refund check from VW Credit and called on XX/XX/XXXX inquiring about the lease overpayment refund of {$1000.00}. I was told it takes up to 21 days to process. It 's XX/XX/XXXX and still no check. My VW Credit account online now says I must call to see any balance. I called XXXX and was told they did n't know anything about my balance and to call XXXX, then i was told to call XXXX and then XXXX ext XXXX. I was also told the XXXX XXXX XXXX handles this. No one knows what happened to my overpayment. Each person I 've spoken to has told me a different story. It 's infuriating. I log in to my VW credit account and all records confirming this payment history and overpayment have been removed by VW. My original lease ended XX/XX/XXXX so I am due the overpayment of {$1000.00} from XX/XX/XXXX - XX/XX/XXXX. Please help me.
Product: Consumer Loan

Bought a car from DriveTme, Started having problem with car XXXX days after purchase called them and tehy told me to take care to warranty repir shop was refereed to dealership because the shop I took the car to could not do repair because they did not have the rigt equipment. drive time told me to take to dealership and they would cover the cost of the repair.When repair was completed the said they had to do a review to see if they were goig to pay for it. The car was broken when sold to me. and they lied and said everything had been checked out on the car. The engine service light came on XXXX day after I had the car Also the passenger air bag sensor was broken when the car was sold to me and this was not told to me Now i am without transportation and have medical problems ( XXXX that I can not get to due to their failure to live up to their contract.. I am very disappointed worried what will happen because I am stranded due to their breach of contract. can you help??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any late payments and this reporting is causing my credit summary to suffer and prevent me from being able to utilize my credit to make purchases. In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 604 A : States I have a 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. I demand that this item be removed from my report. I demand that you provide me with concrete evidence and all documentation proving that I am or have been late.
Product: Credit reporting or other personal consumer reports

Im in complete disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious and detrimental to my credit score XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had incorrect reports on my credit which was over 700 at one point, these incorrect issues have brought my credit down.Now they are removed and my credit is still below 550.Shouldnt my credit go back to where it was before these fraudulent charges were put on my credit.
Product: Bank account or service

I woke up and checked my account and found that about 2 hours earlier when I was sleeping a charge of {$100.00} was made at XXXX, i disputed charge and XXXX denied claim with no reason, and I did provide signed doc stating I never made this charge and my card was in my possession.
Product: Credit card

I am filing this complaint against Upgrade , Inc. regarding their failure to allow me to fully access and use my credit card account. Despite this being my account and my credit, I am being denied the ability to utilize the credit line that was agreed upon in the original contract. At the same time, Upgrade continues to demand monthly payments, creating a situation where I am expected to perform ( by making payments ) without being given full access to the credit as agreed. 

Furthermore, Upgrade has failed to respond to a Conditional Acceptance I submitted, clarifying my rights and terms regarding my account, in accordance with the Uniform Commercial Code ( UCC ) 1-308. This failure to respond constitutes tacit agreement to the terms I proposed, and yet they continue to block my access to my credit. 

I also believe that Upgrade has violated federal securities laws by not disclosing whether my account has been securitized or used as an asset in the marketplace, which would entitle me to equity or interest on the account. 

Key Issues Access to Credit : I am being denied access to use my credit card despite the account being active and in good standing. This is a violation of the contract and my rights as the account holder. 
Failure to Respond to Conditional Acceptance : I issued a Conditional Acceptance to Upgrade to clarify the terms of the agreement, but they did not respond, which means they are not addressing my concerns in good faith. 
Securities Fraud : I am concerned that my credit account has been securitized without proper disclosure, and I am not receiving any of the interest or equity that may have accrued from these transactions.

Continued Payment Demands : Despite blocking my access to credit, Upgrade continues to demand monthly payments, which is both unfair and deceptive. 
Relevant Laws and Regulations Truth in Lending Act ( TILA ) : Upgrade has failed to provide accurate and transparent information regarding the credit line and associated costs. 
Securities Laws : Upgrade may have unlawfully securitized my account without providing disclosures, thereby committing securities fraud.

Uniform Commercial Code ( UCC ) 1-308 : Upgrade 's failure to respond to my Conditional Acceptance is a breach of good faith negotiations.
Product: Debt collection

A company called Real Time Solutions is a Debt collection company that was sold a debt by XXXX  XXXX XXXX. I had issues with XXXX XXXX XXXX regarding the validity of the debt, date opened, payment issues that they didn't rectify along with predatory practices of non-disclosed fees, and failure to process payments. They were paid the original loan amount but due to interest, hidden fees, and poor processing practices, along with virtually no consistency regarding the management of the account. Reall Time solutions simply changes the debt date whenever I attempt to file a dispute with a credit bureau. This way the debt will never be removed from my report and will always be inaccurate.
Product: Checking or savings account

BEING A LONGTIME CUSTOMER TO THIS BANK I WAS APPALLED. I disputed transactions in regards to my account being used in some type of XXXX XXXX. transactions that I did not make. I disputed on XX/XX/XXXX on XX/XX/2023 i was denied. I want my funds back that were taken and improperly used. I want a reinvestigation and while they are doing that i want my provisional credit so i can pay for my daughters tuition. i have had too many issues with this bank locking me out of my own funds not adding up now missing funds over a years worth being taken over and over.Im going to start a class action suit and ill be reaching out to the XXXX as well and the XXXX if i have too. Ive had enough of sitting on the phone for hours, being locked out of my own money countless of times. Im having XXXX XXXX XXXX over this issue. and will be seeing a doctor next week to confirm its stress over this bank.
Product: Debt collection

I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.
Product: Credit card

On XX/XX/XXXX I'd ordered an XXXX  chair on line from a company called XXXX XXXX based in XXXX. XXXX paid for this chair was {$3400.00}. Their email indicated this chair will take about XXXX weeks. I'd waited till end of XXXX and send them email to ask about shipping information. I got an responding email in early XXXX and was told the item was shipped and check back later for tracking information. I'd send another email in mid XXXX asking for the tracking information. Then was told they CAN NOT provide one due to systems issues. I waited another week and send another email and was told someone will contact me and provide me with this tracking #. Then I don't hear from them after this. In XXXX I still HAVE NOT receive my chair and they DID NOT respond or provide me a tracking #. I filed a dispute with my credit card company ( Apple mastercard ). Then out of the blue, In mid XXXX I'd received an EMPTY ENVELOPE WITH NOTHING INSIDE but there's a tracking # on the envelope. This envelope postmarked XX/XX/XXXX. cost them XXXX pounds. according to USPS information. It's a small package and was put inside my mailbox. The chair I'd ordered weight XXXX XXXX. The box would have to be too big to put inside mailbox. I'd since have done some research about this company. They are a SCAM. I'd send all these information to Apple card but they based their finding on this XXXX  tracking #. Bottom line is : I DID NOT RECEIVE THE ITEM THAT I'D ORDERED! 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I have the XXXX XXXX XXXX  which is used many many times over the years. Last year during Pandemic i did not received a bill or E-mail or any kind of communication that there was a XXXX dollar amount pending. XXXX months later this was reported to the credit bureus and my XXXX scored drooped XXXX point from XXXX. I have always maintained a XXXX XXXX around XXXX. I have never missed a single payment in the last 21 years ever since i built my credit i am trying to refinance my house but the rating isnt really helping I requested comenity many times to take this off of my report but they denied. I am self employed entrepreneur own houses and business but due to my low credit rating it is getting very hard to get a business loan also I would appreciate any help you can offer. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by TransUnion that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) made a hard inquiry on my TransUnion credit report on XX/XX/XXXX. I have contacted XXXX XXXX XXXX twice since learning on this hard inquiry because it reduced by credit score. XXXX XXXX XXXX representatives tell me that they can confirm that I have not applied for any lines of credit, nor have I attempted to consolidate my loans. I have been told by three representatives ( after being transferred to an executive office ) that I have not applied for anything and there should not have been  a hard inquiry made on my credit report. When I ask them to fix this matter, they tell me that they need more information from me and I will receive a letter requesting the information in 7-10 business days. I had the last representative read the letter to me that I will receive in the mail over the phone and I have already provided the information they are asking for. I am very frustrated and see no end in sight. I'm not sure how to get this matter resolved, but it needs to be done promptly. This hard inquiry also lowered my student loan co-signer 's credit score. Please tell me how to proceed.
Product: Credit reporting or other personal consumer reports

please process & submit the information uploaded to delete all inaccurate information listed in the files.
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 XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00}
Product: Credit card or prepaid card

XXXX  XXXX XXXX transferred all customers of their XXXX XXXX XXXX XXXX to Comenity Capital Bank in XX/XX/2022. I now have their so called XXXX XXXX XXXX XXXX XXXX Credit Card. 
However, XXXX never provided me with a XXXX XXXX XXXX, something all other credit card companies I am using either send via mail or make available online. Therefore I do not know what benefits come with this card, like purchase protection, extended warranty, delayed luggage benefits, auto rental insurance etc. etc. 
I contacted XXXX multiple times through their messaging system as well as in person via phone. None of the agents do understand what I am looking for and nearly one year later I still do not have this Benefit Guide. 
I am therefore hesitant to use this card for any important purchases. In addition their website has frequent technical issues which makes it even harder to resolve any issues.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 Speedy Cash debited my ENTIRE pay check from my account WITHOUT prior warning or notice. 

This money was my rent money. 

I missed 2 payments on the loan, so they took the entire balance without letting me know. 

The amount was {$420.00}
Product: Debt collection

was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXXXXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX   fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
Product: Credit reporting or other personal consumer reports

I disputed this data in XXXX, letting XXXX know this civil case ( XXXX ) was satisfied and dismissed by the judge. I have not received any proof on a thorough investigation being conducted for the disposal of this case. This case was supposed to be disposed of since XXXX. It has been almost six years now, and it is still on my credit report. 
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card

Take a look at the attached documents. I urge the bureau to start an investigation into these accounts as they are reporting me as late, despite my timely payments.