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

XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off
Product: Checking or savings account

On XXXX I used XXXX through BOA and transferred {$1500.00} to a guy off of XXXX XXXX to purchase some car parts. I called him and he said he did not receive the money. I thought I could clear this up with the bank the following day. He said he had other buyers wanting the item and asked if I could use apple pay. I had a suspicion he may be a scammer so I called BOA and spoke with an associate on a recorded line. She said I would be covered in the case of a scam since my debit card is linked to apple pay. I sent him four installments totaling {$1500.00}. He disconnected his number immediately after I sent him the last installment and I have not received my item. I filed a dispute with BOA on the charges and received a letter saying I would not be refunded. I called XXXX and they told me BOA should handle the case. I also filed a police report.
Product: Debt collection

Allied Interstate keeps calling my work even though they are told not to. They are also calling my coworkers ' numbers.
Product: Checking or savings account

On XX/XX/2022 I had an account balance ofXXXX cents. At XXXXXXXX XXXX  I received a XXXX  payment from another person in the amount of {$40.00}, which showed my available account balance as {$40.00}. I then used my First National Bank card at XXXX  and then received another deposit of {$65.00} from XXXX. First National Bank charged me {$110.00} ( XXXX {$37.00} ) for XXXX  fees stating I didnt have enough funds in my account for the transactions. I called the bank and spoke with XXXX a supervisor from the XXXX XXXX, she stated her manager reviewed the case and they refunded one of the {$37.00} XXXX  fees but were not able to refund the other two XXXX  fees because my account was overdrawn for a transaction done on XX/XX/XXXX at XXXX XXXX  and a {$16.00} XXXX XXXX payment that I sent XX/XX/XXXX at XXXX XXXX. The manager advised me that all XXXX transactions made before XXXX XXXX  were available immediately and could not explain why I was charged the XXXX  but would not refund either.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC XXXX has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of XXXX  by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when I authorized transactions. I was charged fees due to lagging posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal Credit Union for similar findings where transactions have settled with insufficient balances despite initially available funds. These practices are unfair and I request further investigation.
Product: Vehicle loan or lease

I am writing to express my concern about a recent experience I had while trying to establish a consumer credit transaction from Carvana. I was asked to make a substantial down payment as part of the consumer transaction, which I believe is in violation of 15 U.S. Code 1662. 

According to 15 U.S. Code 1662, no advertisement to aid, promote, or assist, directly or indirectly, any extension of consumer credit may state that a specific periodic consumer credit amount or installment amount can be arranged unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. Furthermore, it states that it is unlawful to state that a specific down payment is required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount. 

15 U.S. Code 1605 - Determination of finance charge TRUTH IN LENDING ACT 15 USC 1601-1666 15 U.S. Code 1662 - Advertising of downpayments and installments As a consumer, I have the right to be protected from unfair and deceptive practices, as outlined in the Consumer Bill of Rights, which includes the right to be informed, the right to choose, and the right to be heard. As a potential customer, I am concerned that this practice may be unfair and potentially harmful to consumers who rely on transparent credit arrangements. 

Upon receipt of funds from my Social Security trust, I request that all titles and registrations be placed in my name and delivered into my possession at the time of vehicle delivery. Furthermore, I would like all applicable taxes and surcharges associated with this purchase to be paid directly from my Social Security trust.

I kindly request that you review this matter and provide an explanation as to why I was asked to make a substantial down payment in this instance. I trust that Carvana is committed to upholding the highest standards of fairness and transparency in its credit transactions and respecting consumer rights.

In addition, I would like to clarify that I intend to use this vehicle for personal purposes, not as a commercial vehicle. Thus, I believe that providing my state ID should not be a requirement. Furthermore, I would like to include auto insurance, life insurance, and gap insurance in the financing of this purchase, ensuring that all parts of the vehicle are covered and insured, as the vehicle is 2 years old and no longer under its original warranty. Lastly, I would like to utilize a bill of exchange as a legal form of tender for the purchase of this vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
1. The following personal information is incorrect Employers : XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a Non Governmental Organization that has the authority to verify my XXXX.
Product: Mortgage

My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/XXXX.
Product: Mortgage

Requested a debt validation from Pennymac mortgage with the assignment contract. They never gave consideration or signed the note voiding the contract
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to midland mortgage. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to Midland Mortgage. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax to inform them of my inability to access my credit profile since XX/XX/XXXX. Due to possible inaccuracies and a confirmed data breach via the FTC official website and was told there was no freeze on my account, but the reason for my access issue was unclear. The representative documented the call ( Confirmation # XXXX ). 

On XX/XX/XXXX, after being denied a savings and checking account ( for the third time ) from XXXX XXXX XXXX ; due to the company not being able to access Equifax credit file.Before reaching out to Equifax, I attempted to login to the monitoring service. When doing this, I received an error message stated that my credit file was Blank. I called and spoke with a representative named XXXX ( XXXX # XXXX ). Like the previous agent, he was unclear of why my file could not be retrieved and confirmed that there was not a freeze on my account. I confirmed my vital identifying information several times and wasnt successful.He stated he had the option and would mail me an updated credit profile to include an updated score. ( Confirmation # XXXX ). 

On XX/XX/XXXX, I received a copy of my credit file, but it was outdated and had not been updated since XXXX. Every account listed stated No Data Available. In addition, an updated score was not attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its  validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Waking up to find a debt on my credit report that does not belong to me has been both shocking and frustrating. I never applied for or agreed to this, yet I am being bombarded with messages and even threats of legal action. As a responsible consumer, I refuse to tolerate this blatant disregard for my rights. This situation has caused immense stress and sleepless nights.
Product: Mortgage

To XXXX XXXX XXXX XXXX XXXX XXXX Ref # card ending XXXX Dispute : XXXX To whom it may concern : Please be advised that I have been billed {$510.00} promised services by Ally Bank through XXXX. I applied for a Mortgage Loan through Ally. They lead me to believe that I was been approved for a home loan and I approved an appraisal which they billed through XXXX or used XXXX as an intermediary. 
This is false and misleading to the consumer and I will be filling a complaint against Ally/XXXX and XXXX XXXX if these charges are not reversed. 
I am contacting the State of Florida Department XXXX XXXX XXXX to deal with this matter. The lack of urgency and professionalism involved with all parties contacted to resolve this issue is unacceptable. 
I am attaching all documentation received from parties via email and hope that we can find an amicable resolution. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I provided a {$1000.00} down payment to Tesla to reserve my spot in line for a future vehicle. At least 3 months ago, I do not have the exact date, I submitted a refund request and was told it would take 45 business days to receive. It's been long past that time period and I have not received my refund. When I called their customer service line XXXX the automatic call router would not allow me to speak to a representative and instead forced you to email XXXX which I did XX/XX/XXXX. No one responded to my email and I emailed again XX/XX/XXXX and received an automatic email stating the email account was no longer monitored. Looking online it appears this is a consistent pattern https : //forums.tesla.com/forum/forums/refund-deposit please help me obtain my refund. My account is XXXX and I'm requesting the refund check be mailed to my address ( XXXX XXXX XXXX XXXX, TX XXXX ).
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to a catastrophe, my girlfriend and I were displaced from our home. We were put in an apartment ( XXXX XXXX XXXX XXXX, XXXX, GA ) for a little over 2 months. The cost of the apartment was covered by our homeowners insurance ( XXXX ). After our home was fix, we moved out of the apartment and back into our home. We were send a final invoice which was forwarded to our insurance company and subsequently paid. A month after moving back into our home, we received a letter from IQ Data International requesting we pay {$540.00}. I was very surprised by this because our insurance had paid our rent and no one from the apartment management tried to contact us. My insurance will not pay this debt unless it can be validated by IQ Data International. When contacted by IQ Data International, I ask if they could provide an itemized ledger to show which month 's rent and/or charges were underpaid. They could not provide this information. It has been almost a month since we were first contacted by IQ Data International and they have not provided an itemized ledger to validate the debt. Furthermore, they have threatened that this is appear as a negative item on my credit score if it is not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Sync/Amazon about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a letter ( attached below ) saying that the account referenced was sold. Sync/Amazon did not provide me with any information stating why the account is being reported to the credit reporting agencies and in no way did they validate that this debt actually belongs to me. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. If they can not validate that this debt belongs on my credit report it needs to be deleted immediately. I would rather have these items removed from my credit reports without having to take legal action.
Product: Vehicle loan or lease

Carmax Auto Finance Balance {$21000.00} Original Balance {$20000.00} Acct no XXXX Date opened XX/XX/2022 Type Auto Loan Monthly Payment {$480.00} Term 73 months This car account is not mine. I never financed a loan with Carmax. The car I financed is currently with another company that has nothing to do with this company on my credit. Carmax is not listed on my registration. I have tried to pay off this loan and somehow Carmax has listed as the lien holder, yet another company is listed as the register. I have contacted Carmax and they have not fixed this problem or provided documents. This report is fraud. I am not able to sell this car or get out of a loan due to Carmax negligence. Carmax stated the car was listed under a bank and the listed bank is not releasing the car or responding. Carmax has placed this car as a charge off on my credit report. Carmax has reported late payments on my report falsely. Also, this report dates are incorrectly reported, the late payments are incorrectly reported and the company is not correctly reported.