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

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FCRA Violations Not My Credit cards XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$110.00} written off. 
NOT MY ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family NOT MY XXXX NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

FOCUSED RECOVERY Solutions have three different account opened with three different amounts in which my son and his father has the same first middle and last name. 

FOCUSED RECOVERY SOL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Back in XX/XX/2023 my aspire card was closed after I filed a complaint for fraudulent charges on my card. The people at the call center were rude consending and arrogant. At first they said I was responsible for the charges and they refused to help me. After complaining several times they removed the charges but also closed the account. I was always in good standing with them and never late on a payment. Their was an issue with language barrier when calling in getting them to listen me. Theirs no reason that their card was closed. They keep sending me correspondence saying that a new card is on the way but nothing has shown up.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report. It has fraudulent accounts on my report. Please remove this of my report. Its hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause severe depression. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX - XXXX, please remove this inaccurate item.
Product: Debt collection

I recently pulled my credit account and realized I have two collections that do not belong to me. they keep harassing me calling me in regards to a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account marked as late on Experian however i was never late and even submitting proof they refuse to correct the error but yet marked account as verified. I have contacted the credit card company as well and they are also referring me to the credit bureaus for resolution so i'm getting not where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 5 open accounts and 1 account that was closed. 
I attached a screen shot of the status for all my accounts and the one account that is showing a negative/DELINQUENCY is XXXX XXXX XXXX, the same one Experian is saying doesn't have a DELINQUENCY reported for it. PLEASE review all the screenshots and advise why my report has the DELINQUENCY. 

P.S. 
I attached the original letter from XXXX XXXX stating they incorrectly reported the DELINQUENCY on my report. But you are saying that does not relate to XXXX soooooo ... .... Which account is it for????? I attached status of ALL MY ACCOUNTS FROM EXPERIAN .... THIS SUCKS THAT I PAY MEMBERSHIP WITH EXPERIAN AND I CAN'T GET THE ANSWER OR PROBLEMS RESOLVED.
Product: Credit card or prepaid card

Citizens bank closed account and sent request for me to file this report and send to XXXX within 14 days of this letter.
Product: Vehicle loan or lease

I have an auto loan with Kia Finance for a XXXX Kia XXXX. The car was involved in an accident on XX/XX/XXXX which resulted in a total loss. The insurance carrier is XXXX XXXX and they requested a payoff letter of guarantee from Kia Finance on XX/XX/XXXX. Kia Finance requested updated information which was provided by XXXX. The updated evaluation and breakdown was sent to Kia at XXXX on XX/XX/XXXX at XXXXXXXX XXXX but Kia has not provided the updated letter of guarantee. I have called Kia Finance and escalated the issue to their corporate complaint department but they have not been able to assist me because they do not have access to their total loss department to confirm if all the information had been received. I have tried filing a complaint with the XXXX and I have tried contacting the corporate offices for Hyundai/Kia Finance .
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS COMPLAINT OUT WITHOUT READING ITS CONTENTS Capital One Auto Finance had violated me and continues to violate me by 1. furnishing deceptive forms ( ie. a contract that does NOT have my signature on it ), 2. violating an active XXXX and XXXX ( sending threatening letters to my private address dated XX/XX/2023 XXXX, XX/XX/2023, XX/XX/2023 ), 3. NOT furnishing required and requested disclosures ( sending a contract that does not have my signature on it 3 times ), 4. reporting my personal and private information to third parties WITHOUT my consent ( reporting to consumer reporting agencies from XX/XX/2023 to current ) ... .in fact, with my SPECIFIC REQUEST NOT TO DO SO, 5. reporting to third parties erroneous information and intentionally NOT reporting that this account is in dispute, 6. threatening me with legal action ( dated XX/XX/2023, two threatening letters ) that can not be acted upon at this time because Capital One Auto Finance had failed to furnish ANY of the necessary and required documents requested, COAF has violated me in many other ways, however this complaint is NOT the same as any prior complaint.
Product: Mortgage

When I started questioning the process the servicer for XXXX XXXX stepped up their efforts to perform the foreclosure. They performed most of the requirements but missed at least 3 that I know of. I also uncovered that there is/was a most definite conflict of interest by the trustee of the deed of trust, XXXX XXXX XXXX She was/is a stockholder of the law company that represents the lender/servicer thus giving her an undeniable interest in whether my home is foreclosed upon. Furthermore, I have recently learned that XXXX XXXX was the defendant on a class action law suit in XXXX claiming that they were using predatory lending techniques and other deceptive practices on borrowers. I got my loan originally from them in XXXX and was most definitely a victim, but I was never contacted and made to know this. They continued to let me be a victim until finally now they have foreclosed on my home. I have paid them close to {$300000.00} on this loan and still to this day, according to them I still owe them {$130000.00}. My original loan was less than that. I seek remedy for this injustice as I have now been notified that they want me to vacate the property in 20 days, ( 14 left ). They have treated me very unjust and I need help to expose their fraud. Also, I should add, that I the process of foreclosure on my property they did not strictly adhere to all of Washington state laws and RCW codes specifically, RCW 61.24.040 that requires the sale be published in a local approved newspaper and that the auction take place where and when they say it will be. It did not take place, but yet the trustee sent paperwork to the county auditor stating it did and claiming ownership of my property. Im am now in such distress that I am at the verge of breakdown. Again, Please help me get the time needed to express my case to the judge. And I need to find out if I cant get any relief from the class action law suit that XXXX XXXXXXXX XXXX XXXX  settled in XXXX without claiming guilt, since I was a victim but never notified. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two address on my credit report one in a state I never lived in and one address i never lived at in Florida. I filed a dispute with the Experian Credit Bureau. Experian said the addresses was valid. I asked them to validate this inaccurate information I was told the credit company reported that information so its valid. I told them i didn't even know what the the debt is and nor have I ever lived at the two address. 

I have never visited nor lived in New York. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived at XXXX XXXX XXXX XXXX, FL XXXX They Are also reporting different variations of my name and i asked them to correct that as well/
Product: Credit reporting or other personal consumer reports

About 6 months ago I discovered that there were Items on my credit report that do not belong to me including a XXXX  XXXX XXXX  and also a XXXX  XXXX XXXX. At the time of discovery, I immediately contacted the credit bureaus, and they instructed me to contact the FTC and file a complaint which I did promptly. Absolutely nothing changed on my credit report, so I decided to file another dispute and once again nothing changed. I was explaining to a friend the process that I had just completed for the second time with no results, and he advised me to contact your company which is what brings me here today to file a complaint with your company. Please help me.
Product: Credit reporting or other personal consumer reports

Capital One. I called today, on the XXXX of XXXX, and their customer service was terrible. I was complaining about the fact that they had placed a 90-120 day delinquency on my account, when, in all actuality, I had paid off everything I owed, and the some. The representative ignored my situation and told me to " send a letter '' to the company regarding my complaint. Then, after a bunch of nonsense mumbling, he forwarded me to his " supervisor '', and after 3 and a half hours of waiting on the phone, the supervisor picked up and said that " they can't do anything about it '' Is this fair? Capital One is always talking about how valued their customers are, but it's pretty evident at this point how much the company cares about me as a customer.
Product: Debt collection

I was contacted by Hunter Warfield via email stating that I was responsible for an early termination of a rental property that I co-signed for. I requested that proof be provided that the rental property was damaged at the time of the move out. It was also communicated that early termination of the rental property lease was done by XXXX XXXX and that XXXX XXXX aggressively insisted that the occupant vacate the rental property immediately. Hunter Warfield requested additional time to request the proof from XXXX XXXX. I requested that Hunter Warfield remove the negative credit rating while their request was being processed. There was no response to that request to remove the negative credit rating. I again sent another communication requesting that the negative credit rating be removed. They have not responded to that request and have requested more time to obtain the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate. In the data they have displayed on my report it says the account was for a one month term yet has two months of negative non-payment.

Due to this negligence, I am susceptible to not being approved for credit cards, loans with high interest rates and denigrated by my credit worthiness.

.
Product: Vehicle loan or lease

I was experiencing issues with my XXXX Tesla XXXX  XXXX that I was leasing from Tesla Finance and was unable to come to resolution on a repurchase of the vehicle, but was advised that I could upgrade my lease early 90 days from lease maturity without incurring additional fees other than wear and tear and that a credit would be given up to {$500.00} for wear and tear, excess mileage, and that any outstanding payments would be waived. 

I ordered my new XXXX Tesla XXXX XXXX on XX/XX/XXXX since they normally take XXXX months to arrive. It arrived early and I was advised by XXXX, the sales advisor at the XXXX XXXX  location, that they would work with the finance team so that I did not need to wait until XX/XX/XXXX ( 90 days from lease maturity ) and could still have the remaining payments waived. I was told on XX/XX/XXXX that I can a one-time payment so that my XX/XX/XXXX payment would be received by Tesla Finance early , then they would give me the early upgrade option as if I were within 90 days of delivery instead of cancelling the order. They were pushing me to take delivery on XX/XX/XXXX. 

I had called numerous times between then and XX/XX/XXXX and even on the delivery day, the finance team did not give me an estimate for wear and tear or final invoice. I was assured by the sales team at the XXXX XXXX  location that day that I'd be " all set '' - XXXX was not there that day. 

I have attached numerous e-mails back and forth from XXXX through XX/XX/XXXX with Tesla 's Lease Returns team and Sales team. During that timeframe, I was constantly told they were " working on it '' and later in that period, I was told by the Lease Returns team that I would need to speak to the sales advisor or their managers. I e-mailed and tried calling them numerous times and left voicemails for XXXX with no return calls, and they did not reply to any e-mails from me OR their own Lease Returns team! 

I was told that the remaining payments would be waived. Had I had any suspicion that they would not honor that, I would have cancelled the order and ordered again to take delivery on/after XX/XX/XXXX. They pushed me to take delivery on XX/XX/XXXX, then disappeared since they clearly either lied to me to complete the new sale, or just didn't are. 

The balance outstanding on the final invoice is {$4500.00}. {$2400.00} was for remaining payments ( XXXX, XXXX and XXXX ) and they applied the {$800.00} for the XXXX payment I made early per their instruction on XX/XX/XXXX, so {$1600.00} should still be credited for the XXXX and XXXX payments they said they would waive when I took delivery of my XXXX XXXX XXXX  on XX/XX/XXXX, leaving {$2900.00} as the final payment due to them, which I would be in agreement with and pay immediately upon resolution. ( Final invoice is XXXX in the attachments ).
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I am writing to formally express my dissatisfaction and concern regarding the handling of my account with Robinhood. My account has been restricted, and I have faced significant challenges attempting to withdraw my money. The lack of communication and resolution from your team has left me deeply frustrated and concerned about the safety of my funds and personal information. 

Since the restriction was placed on my account, I have repeatedly attempted to contact your support team to resolve the issue. However, I have been met with the following obstacles : 1. Lack of Communication : I receive automated messages in the Robinhood app instructing me to call customer support. Despite following these instructions, I am placed in long call queues for hours, only to be disconnected without assistance.

2. Ineffective Case Numbers : Your team has provided case numbers that do not work when entered into your system, rendering them useless for tracking or resolving my issue. 
3. Repeated Identity Verification Requests : I have been asked several times to provide proof of my identity, which I have done promptly and accurately. Despite this, the issue remains unresolved. 

These actions ( or lack thereof ) have caused me significant stress, as I now fear for the security of both my funds and my personal information. I am gravely concerned that my money may have been mishandled or stolen, given the ongoing delays and lack of transparency.