23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, LA XXXX Dealership Information : Selling Dealer : XXXX XXXX XXXX Dealer Number : XXXX Dealer Address : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, LA XXXX License Number : XXXX Temporary Tag Number : XXXX Phone : XXXX Deal # XXXX Contract No : XXXX Subject : Refund Request for Down Payment XXXX XXXX XXXX Details of Complaint : My name is XXXX XXXX. On XX/XX/XXXX, my husband and I visited XXXX XXXX XXXX ( Dealer # XXXX ) to purchase a XXXX XXXX XXXX ( XXXX : XXXX ), for which we were pre-qualified through Capital One Auto Finance. After waiting over three hours, the dealership claimed they " could not locate the car '' and convinced us to pay a {$1200.00} down payment under the pretense that the sale would proceed. However, due to unforeseen circumstances, my husband, who was the intended driver, was flown out of state for a new job that same week. As I am XXXX XXXX XXXX  due to a XXXX, we informed both the sales representative, XXXX XXXX, and the finance manager, XXXX XXXX, that we could no longer proceed with the purchase. Both assured us that a refund for the {$1200.00} down payment would be processed. 

It has now been 12 days, and despite multiple attempts to contact the dealership by phone, I have not received any response or my refund. I am concerned that this delay may be intentional to ensure commission for a car still in the lot, which raises serious ethical concerns. This process has caused undue stress, particularly as we had our special needs child with us during the visit. The prolonged process felt like a predatory sales tactic intended to ambush us into proceeding with the sale despite the car 's unavailability and our circumstances. 

I have retained a copy of the retail installment sale contract and provided the necessary information to Capital One, who agreed not to finance the vehicle due to my inability to purchase insurance or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently applied for a credit car application and notice that I was denied and received a adverse action stating that I have to many inquires I have reached out to each company individual and ask can they provide me with this information that applied with their company Please remove all inquires that doesn't belong to me ASAP within 3 business days Because the companies stated there was no probable cause XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ASAP FROM
Product: Mortgage

Borrowers mortgage loan is delinquent. They received a Notice  of Default and Intent to   Accelerate on  XXXX   XXXX ,  2017 . The letter referenced a Loss Mitigation  Specialist available to provide additional information. Borrowers called that day and were on hold for over half an hour. This is not the first experience where they were unable to speak to a Bayview representative. Borrowers have previously been on long holds, calls not answered, or disconnected. Borrowers also dispute Bayview 's accounting to cure the default. Borrowers have conducted their own accounting of amount due to cure the default. The borrowers ' accounting is a lot lower than the amounts stated by Bayview  on  XXXX   XXXX ,  XXXX , and  XXXX  ( all written stated amounts are different ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CALIFORNIA XXXX XXXX XX/XX/2025 LVNV Funding LLC XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Subject : Cease and Desist Notice for FCRA Violations Re : Account Number XXXX | Balance : {$690.00} Dear LVNV Funding LLC, This letter serves as a formal Cease and Desist Notice regarding your unlawful actions in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, concerning the above-referenced account.

Violations Committed by LVNV Funding LLC XXXX. Inaccurate Credit Reporting You have been reporting inaccurate and unverifiable information regarding this account to the credit bureaus, which is a direct violation of 15 U.S.C. 1681s-2 ( b ).

2. Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i, once a dispute is filed, you are required to conduct a reasonable investigation. Your failure to provide verifiable proof of the accuracy of the information violates my rights under the FCRA.

3. Continued Reporting of Disputed Information You have continued reporting this account despite a dispute, failing to mark it as disputed as required under 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
4. Failure to Provide Validation You have failed to provide legally required documentation proving the validity of this alleged debt, which is a violation of my rights under the FCRA and FDCPA ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ).

Demand for Immediate Action 1. Cease All Reporting of This Account You must immediately delete this account from all consumer reporting agencies due to your violations.

2. Cease Collection Efforts You must immediately cease all collection efforts related to this account.

3. Provide Proof of Investigation and Validation Within 15 days, provide documentation proving that you conducted a lawful investigation and verified the debt per federal law. 

Notice of Legal Action Should you fail to comply, I will have no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as initiating legal action for statutory damages under 15 U.S.C. 1681n and 1681o. 

This letter serves as formal notice that you are to immediately cease and desist any further reporting, collection, or verification of this debt. Failure to comply will result in legal action. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2019 Amount : {$180.00} XXXX : I was scammed out of two XXXX tickets, paying through Citibanks app ( more specifically XXXX within the bank app ). Was not aware and it was not emphasized that any payments were not protected under fraud or anything along those lines similar to XXXX. Trusted there would be a dispute system given it seemed back by the bank, but apparently XXXX is third party and banks do not have any obligation to help in this situation, which seems crazy given the integration of XXXX within banks apps. Difficult to even initiate any suit or claims given the amount and lack of concrete information on the scammer.
Product: Student loan

XXXX had my loans and issued me a application to discharge my private loan due to being apart of the huge law suites and winning the sweet vs cardinal. my federal loans were discharged but not my private loans. mohela had my federal loans and now they have my private loans but they have not been discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my account at Equifax. I had to lift it so that a bank could view some information. The online system did not work. I called XXXX and went through all of their security questions ( name, dob, address, ssn, and information about my credit file ) and added the freeze for a few days. The bank then advised me that they needed both my husband and I to come in while they checked the file. We can only do this on Saturday, so I tried to log into the Equifax system to extend the credit freeze. I kept getting directed to a " page not found '' error. 

I called Equifax XXXX XX/XX/10 and spoke with a representative who went through the same security questions again ( which require me opening several different systems to get the info they requested. ) They did not accept my correct answers and told me I needed to send in information in writing. I asked for a supervisor. The " supervisor '' told me that they could no longer see my credit file and that they would try to help me fix the online problem. They were unable to fix the problem. They then said they would " try '' to access my credit information again. Imagine that - they could! I gave them the same answers to the same questions and magically the answers were correct this time. They had no answer as to why the answers were not correct with the previous rep. I then asked them to help me fix the issue with the online access so that I could manage my credit freeze myself in the future. They told me the system must be having an update and to try again another time. What a waste of time and aggravation. 45 minutes of my life for this nonsense. These agencies have way too much power over people to provide poor service.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXI XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXXThis Company took a stackable washer and dryer out. When it was put in, they hooked it up wrong twice. 
It was a XXXX person job and XXXX was sick so XXXX did it, It was to heavy, he chipped my NEW tavertine, scratched it, and hooked it wrong once again. They chipped up my walls hallway, and it was fresh construction. 
Came back to try, to redo washer and dryer, steam coning from a hose miss put in. Knocked a piece off plaster off, and said whoops. 
Paid {$190.00}. for XXXX to come in and correct their mistake, If anything they owe me money. I have written a letter with pictures of damage to the management, This was not a emergency thing, had problems for months, they where the only company available. I got a {$500.00}. dollar estimate to re paint and fix damage. 
However I have sold this property and am done. I would be happy to send you my letter of complaint if I have a e-mail address. 

XXXX XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

Recently I was a victim of a work from home job opportunity which turned out to be a fraud/scam that targeted and stole all my money from linked sources to my venmo account. I contacted venmo and went through the difficult process of contacting support to file a report and dispute. Up to that point I had not had anh issues or filed any disputes, and i have been a long time customer of venmo. After over a week of back and forth with customer support and sending proof and supporting documents to prove my claim, I eventually get transferred to a sketchy " account specialist '' email with no direct phone number. The " specialist '' emails me saying that my account is suspended and something about violating venmo terms. Every other disputed transaction was approved and the others, especially the larger transactions I was scammed from were denied. It literally looks obvious that the specialist picked and chose which transactions to approve and denied the important ones. I respond to the email voicing my concerns about the investigation process and resend all my proof, police reports, screenshots, etc. Only days later to find out that my account was permanently closed and my funds locked in venmo. I am unable to contact or reach the " account specialist '' or anyone directly because they are only reachable by email. Also, they respond in an untimely manner of 7-10 business days which is not acceptable. I need help please. Venmo is neglecting to and it seems purposely avoiding their obligation to the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown account on my credit report. XXXX XXXX XXXX ACCT XXXX Reported : XXXX XXXX, 2022 {$1100.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX  through XXXX XXXX XXXX  in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Product: Credit reporting or other personal consumer reports

I disputed my payment history with child support ( texas OAG ) with XXXX, and they fixed my payment history no problem, and changed all my past payment history to " paid, never late ''. I submitted the same information and proof to both trans union and XXXX and it has yet to be changed. Both are showing XXXX late payments over the course of 3 years. My child support comes DIRECTLY out of my XXXX XXXX XXXXXXXX and is paid directly to child support - WHICH MAKES IT IMPOSSIBLE TO BE LATE. Also, the dates that they are saying that I was late, I actually had primary custody and I wasn't even suppose to be paying child support. Attached are even correspondence with me and my lawyer back during that time and discussing what Child Support ( Texas OAG ) should have fixed back then. I was actually owed child support. I need ALL 3 of my consumer reports to read the exact same thing as my experian report does. To read " Paid, Never Late '' for any and every payment concerning that account. 

Office of Attorney General XXXX " Open Never Late '' Furthermore, the fact that child support is even on my credit report is illegal concerning consumer law. It violates 15 usc 1681b - permissible purposes.

I have not nor have I ever given Child Support or Texas OAG permission to furnish anything on my credit report. Child support payments aren't an extension of credit nor are they are credit transactions. 

2. It also violates 15 usc 1681a ( 2 ) ( i ) - under the Exclusions sub paragraph. Items on the consumer report should not include individual transactions or experiences. 

So if they are going to list this on my consumer report illegally, then it should atleast be reported correctly. If this can not be done, then legal actions will have to be taken due to each Transunion and XXXX knowingly violating consumer laws concerning reporting.
Product: Credit card or prepaid card

I bought an XXXX vinyl record box set through XXXX on XX/XX/XXXX for {$440.00}. It supposedly arrived on XX/XX/XXXX. I got home and no package. I contacted XXXX and opened a missing package dispute. XXXX denied my claim with no explanation but a time stamp so I requested a driver log. They ignored and refused to help anymore so I opened a dispute with my credit card company, Synchrony. In XXXX, I won my dispute and they removed the charges. In XXXX, the charges returned with no explanation. I have contacted Synchrony XXXX  times by reopening a dispute, fraud protection, etc ... and was finally mailed a letter that said they charges were accidentally put back on my account and would be removed by XX/XX/XXXX. This was a lie and the charges still remain on my account. I've tried working with them on this and I keep being lied to. I need help getting this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX BANK - ACCOUNT ENDS IN XXXX, credit Limit {$9700.00}. This is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. This is an error of accuracy per : Fair Credit Reporting Act 15USC 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. 

XXXX. XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX ( auto loan ) - ACCOUNT ENDS IN - XXXX, delete all late payments. 

XXXX. XXXX XXXX XXXX XXXX - Listed under closed accounts - XX/XX/2019 marked as late. Delete. I was NEVER LATE! 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$2000.00} per violation for : Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Fair Credit Reporting Act 15USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX that is very old. We have tried to get that off of Equifax, XXXX  and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from 2012. 

Also, It is bringing the score down. We tried to get a lower interest rate, but Equifax keeps this on there. 

There is also a Collections from XXXX XXXX XXXX from XXXX. We have tried to get this off, because we never received a bill from XXXX. XXXX XXXX XXXX keeps that on there. It is not ours. This is {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as XXXX. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX ( XXXX XXXX  ), Balance : {$1600.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX XXXX  ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Debt collection

I am filing this complaint regarding Portfolio Recovery Associates ( PRA ), which has failed to properly validate a debt they claim I owe. Despite my request for validation, PRA provided only a notice of the accounts sale and did not include the original signed agreement, an itemized breakdown of the debt, or proof of ownership. This documentation is required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), to validate the debt properly.

PRAs continued attempts to collect this unvalidated debt are also misleading and may violate 15 U.S.C. 1692e and 1692f. I am requesting that the CFPB investigate PRAs practices, as they have refused to cease collection efforts despite my repeated requests for proper documentation. 

Court case resolved in the case disposition : Dismissed By XXXX XXXX XXXX