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

There is an unverifiable account on my report. I've submitted 2 rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over 30 days Since XX/XX/2021 since my second round of dispute letters.
Product: Vehicle loan or lease

Carvana enacted with XXXX XXXX XXXX systematic XXXX upon my account to discredit and discriminate by using a administrative policy to impede constitution protectioXXXX of civil rights under FCRA ( Fair Credit Reporting Act ) and ECOA ( Equal Credit Opportunity Act ) Acts. 

It's also believed that Carvana and XXXX under their internal system listed my account in a past due since XX/XX/2018 or collection status to impede Constitutional protection by listing my account internally as past due since the beginning of my contract with them. 

These action of systematic XXXX by Carvana and XXXX where to hinder their minorities customers form refinancing and hinder and create a negative environment around my name and accounts, also its further believed, that Carvana and XXXX maybe involved with XXXX XXXX XXXX XXXXXXXX  and hire people to steal Minorities vehicle after completion of payoff of loan/contact with them, so after you have paid off your loan with Carvana/XXXX  you have to buy a XXXX to protect your property due to their extensive connection with collections and attorneys. ( see attached ). 

XXXX and Bridgecrest also refuse to honor their payoff letter at end of loans and seek to report on your credit report defaults in order to create crime in the street because honest citizen that pay off their loan on time are subject to harassment and need to purchase a guns to protect their property against Carvana and XXXX because of their systematic XXXX to hinder minorities at payoff and end of contract term. 

XXXX Breached their payoff agreement and FCRA and ECOA by their internal policy and discrimination to impeded Constitutional protection. ( attached ). 

Carvana practice 'Systemic XXXX XXXX. 'Unconscious bias '. as recognise more insidious forms of racism that counter a very real impact on the employment chances, pay, health and finance of ethnic minorities because I made all my payment timely, as they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX. Carvana would note ny accounts as past due or defaulted to place minorities in a higher interest and down payment for profit gains, in order words they use minorities to hustle through high interests.
Product: Credit card or prepaid card

I am very upset everytime I request a credit line increase their system declined me and they wont do a manual review on my credit Ive been a good customer but their system declined me for just one reason for one returned payment a long time ago this is ridiculous when I spoke to their underwriting department they told me ask customer service to submit for manual review but when I ask they wont listen to me such a frustrating process
Product: Student loan

I have XXXX private student loans through wells fargo. I pay and have paid each month since the inception of my loans. I often " pre-pay '' or pay early depending on my pay days. I was not aware until today ( some XXXX years later ) that if I pay prior to the issuance of a billing statement that, rather than apply that money towards the monthly amount due and owing, wells fargo instead makes a double payment for the prior month and then shows me delinquent the following month. This has created a snowball effect where I am paying early but because they applied a previous months payment to the prior month thereby doubling the payment, I am then delinquent and when I think I am paying early, due to their applications of payments, I am actually paying a false delinquency. I have called previously and was never told I can not pay early. So now, I have faithfully paid my student loans for XXXX years and they have falsely reported that I am delinquent to my account which is now on my credit report. I find it inconceivable that because I paid an amount early, before a statement is issued, that I would be penalized the following month with bad credit reports and late fees. I have never missed a monthly payment yet because according to them " I can not pay a bill before it is issued/exists '' that I was correctly reported delinquent despite pre-paying the loan. I spoke with the Wells Fargo, also disputed my credit report and have not had the problem fixed. They simply repeat that I because I paid " considerably early '' I was delinquent the next month and the credit reporting was correct. I have never had this be an issue with any other institution regarding an auto loan, a personal loan, and/or other student loans. I can say with total honesty, what they are doing is deceptive and probably has affected other similarly situated borrowers. I am lodging a complaint here as well as considering initiating a class action against Wells Fargo. Penalizing a borrower for paying early so that they can collect late fees and/or report false delinquencies is the definition of bad faith. I am extremely disturbed that such a practice would continue despite their other rulings for bad credit practices etc. Be warned, if you pay a student loan payment before the " Statement is issued, '' it will go to an extra payment for the previous month, you will be deemed delinquent for that month, and you will have a negative report issued to the credit bureaus. Wells Fargo did nothing to work with me to understand the issue but simply repeated the false refrain of " Our credit reporting was correct. '' This is the worst banking institution I have ever dealt with. Avoid Wells Fargo like the plague.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has lowered my credit amount based on information obtained through XXXX. 

Barclay/Mastercard has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed addresses that my ex boyfriend had used to take out credit cards or loans on my name. I had lived with him for several years his name is XXXX XXXX XXXX he had scammed me a couple of times and I had spoken with several agents regarding this matter. They have successfully helped me out and requested documents to back up my story. 

All done, I even got a dispute result back of the addresses that being removed and my new address now was current. I live with my mom now so he can't find me whatsoever. 

BUT - regardless of my proof of the dispute result that Equifax has generated, the addresses are still on my Equifax Credit Report because they won't update it accordingly as they promised.
Product: Mortgage

I received a cancellation notice from my homeowners insurance co, XXXX XXXX that the homeowners policy which was due by XX/XX/2020 was not paid and was being terminated. 

I attempted to contact Citizens One Home Loans, at two different numbers : XXXX for regular loan questions, and XXXX for collections. At neither phone number was a rep available to discuss this issue. 

I have left call back messages and secure messages, and no one is responding back to me. That escrow account has a high balance, enough to pay the insurance back in XXXX, and the taxes at the end the year. 

This is fraudulent activity on the part of Citizens One Home Loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Md, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach.

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Please see the attachment. The Credence company sent me a debt collection notice on behalf of XXXX XXXX XXXX regarding a due bill that was incorrect. I followed up via phone and asked for the details of the due bill and they promised to email me the detailed bill right after the phone call. however, I never received any emails from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received notice that Experian verified a Chapter XXXX bankruptcy that is currently displayed on my credit report. I have never filed bankruptcy nor have I ever been associated with the address linked to the Ch. XXXX bankruptcy which is also displayed on my credit report. When asked for method of verification via phone, I was referred back to the creditor listed in the entry. I contacted the Bankruptcy Court via phone and was informed that they do not provide anyone with the debtors full social security number and they do not provide any credit bureau any information relating to any bankruptcy cases.
Product: Credit card or prepaid card

I would first like to say American Express is an excellent company and its is my favorite card to use. At the beginning of the pandemic in XXXX, XXXX, and XXXX of 2020 I had lost all my income due to the shutdown of the travel industry caused by the pandemic. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also a Veteran. Once I was able to restore my income, my on time payments returned like they have for the entirety of having my account. Prior to the pandemic, except for one late payment, my payment history has had no late payments. Several months ago, a customer service representative said they could remove one of the late payments, but unfortunately not the other two. As of today, I still have not received the one late payment removal on my credit report, but I would also like them to reconsider removing all three due to the pandemic shutting down the travel industry almost immediately. I understand this would be an exception to their policy, but if there is any industry that a person is employed who lost income immediately during this pandemic, it was many of us employed in the travel industry. This is my favorite card, and I use it heavily, and American Express is an exceptional company, I just wish they would reconsider their policy due to the pandemic because it is having a dramatic impact on my credit report and I would like to buy a house in another year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The " Personal Statement '' on my Experian account properly contains an " ID Fraud Victim Alert '' and states, " Do not extend credit without first contacting me personally and verifying all application information ''. It then provides two phone numbers. One is accurate -- it is my current mobile phone. The other is a former work number. I left that position over three years ago but the employer could still activate the number. I want to have that number removed. 

Experian 's website says that this information can not be changed via their website and provides the phone number XXXX to request the change. Calling this number provides a dead-end voice-response that has no relevant option and which eventually hangs up on the user.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX credit card 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: Debt collection

The company has placed a debt on my credit report. I have twice verbally requested tht they provide me with validation and verification. I also feel that the seven year statute of limitations for this debt has passed from the date it was incurred. They are engaging in deceptive nd unfair collection prctices by continuing to attempt debt collection fter refusing to validate and verify the debt.
Product: Checking or savings account

Hello, My name is XXXX XXXX and i am filing a complaint about Citi Bank. They have froze my account as they say but when I found out about my account they told me that they were closing it. I get direct deposit on my pension and on my social security disability every month. That is what I live on. Citi Bank is holding my 2 checks in an account that is frozen and they have started procedures to close the account. The day that the checks should be in the account are by the 3rd of every month. I noticed that they were not showing up on my mobile app so thats when I went in to the branch of Citi Bank and they proceeded to tell me that I no longer can get direct deposits, no using the ATM machine any more pretty much im band from the bank. Come to find out that both of my checks got deposited into the account at Citi Bank and sense Ineed those checks to pay my rent and for food and bills I asked if there was any way that they could decrease the holding time on these checks because I need to pay bills and buy food pay my rent and so on. They said they could not and that I have to wait 30 to 60 days before they will let me have the money.so Citi Bank has now made me homeless and no food because they cant understand that I depend on that money every month. I will be talking with my family and they are going to be hiring a lawyer and start procedures on suing Citi Bank. It is sad that no one has a heart these days. so i will be homeless and with out food by the weekend. I hope Citi Bank feels good about what they have done to me
Product: Credit reporting or other personal consumer reports

I checked my credit report hoping to see it just the way it is, but I was met with disappointment because of the unauthorized inquiries that are reporting there. I don't have any idea why they're on my credit report nor have I authorized those inquiries to be on my file. I am kindly asking you to please check the documents I've sent so that this thing will never happen again to me.
Product: Credit card or prepaid card

I opened an Arhaus Credit Card through Comenity bank that provided a 0 % interest rate for 18 months. If unpaid in full at the end of the term, the interest from each monthly billing cycle would be charged. At the end of the term I tried logging in to my Comenity bank member site to pay my balance in full but the system was not working. After Bread Financial acquired Comenity, they recognized and reported that they were experiencing glitches with their systems. As a result I missed my payment deadline and the full interest of $ XXXX was charged to me. I called, email messaged and wrote a letter to Comenity disupting this but they maintain that the $ XXXX in fees is accurate. I have since paid my balance in full to avoid any additional late fees but I'm asking you to advocate for Bread Financial to refund me the interest. 

Secondly, when I paid my balance in full on XXXX, Comenity sent me another statement charging me an additional {$180.00} in fees on a balance of {$0.00}. I again had to call them and this time they agreed to waive the fee. 

I am incredibly disappointed in Comenity and there being zero consumer protection in these circumstances. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to Experian that the accounts listed below do not belong to me. These accounts stem from theft resulting from the XXXX Data Breach, a crime of which I am a victim. Experian received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Account/ XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : $ XXXX Opened : XX/XX/XXXX Fraudulent Account/ Transaction/ XXXX/ Account # XXXX Balance : $ XXXX : XX/XX/XXXX This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Experian to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being.
Product: Credit card or prepaid card

My bi weekly direct deposit is not available and has been verified as sent and amex reviews to answer their phone. Also, first day of work as a single parent and left me stranded because i couldn't access MY money for fuel!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently become an adult and monitor my account like I should. I purchased a XXXX  account which shows the reports for all the Credit Reporting Agencies. As ofXX/XX/XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XX/XX/XXXX and another in XX/XX/XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Product: Credit card or prepaid card

In the end of XXXX I received an email informing me that a new capital one credit card is on its way. I have never had any accounts with capital one. I reached out to the company on two different occasions ( day after the email and a week later ) to close the account and yet I still got an email a week ago with a monthly account report.
Product: Debt collection

I saw the account on my credit report and wrote the company and disputed it on all 3 credit bureaus, I never got an answer or correct information. I never opened the account. XXXX has deleted the accounts as you can see in the attached documents. I just want it deleted from XXXX and XXXX. 

There were 2 accounts from LVNV that were DELETED on my XXXX credit report listed below : XXXX  - ACCT # XXXX XXXX  - ACCT # XXXX
Product: Debt collection

On XX/XX/year>, I received a credit report from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from and showed I had XXXX delinquent accounts. It took them a few months to investigate and me providing them additional documentation. 

Upon their investigation and the letter they received they understood I was not responsible and said they will remove this from my credit report as it would take a couple of months. They also said due to me not making the account they would delete the account and I won't be able to use Affirm going forward which is fine. The problem is they only removed XXXX of the charges but not the rest of them. I am not responsible for all actions under that account so all Affirm-related charges should be removed from my credit report. I have been dealing with this since XXXX  and the fact that this is appearing on my credit still and its 2 years after they stated they would remove the charges this is outrageous.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Still working on the issue is STILL A LIE THEY DO NOTHING BUT STALL AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

The company stated Vance and Huffman LLC has placed two false debts by the check cashing store. The date the debt was placed on my credit profile is XXXX XXXX for both amounts of {$590.00}. I have called the check cashing store to verify the debts and they have confirmed all debts have been paid since XX/XX/year>XXXX  and that the company Vance and Huffman has placed a false debt on my credit. This has been an issue of identity theft and fraud. I have contacted XXXX and filed a dispute to dismiss these false debts off my credit and I am filing this identity theft and fraud complaint to in sure this is dealt with.