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

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Equifax, XXXX and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. 

Please see the dispute letters I attached on this complaint. It consist the account details. 

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 
2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Checking or savings account

I received two letters from Wells Fargo Bank dated XX/XX/XXXX, informing me that a custodian Money Market Account for my daughter, who is a minor, was being delinked from my checking account since I was not listed as an owner on the account and that she was not listed on my checking account. The letter made no mention of it being because it was a custodian account. After making XXXX phone calls to Wells Fargo, XX/XX/XXXX and XX/XX/XXXX. I complained about the delinking and asked for a more specific letter that stated that this delinking was due to the fact that it was a custodian account. No letter was ever provided by Wells Fargo. Wells Fargo states that they will waive fees for XXXX months. 
I called Wells Fargo on XX/XX/XXXX, to inquire on how my daughter can avoid fees, since her account is no longer linked to mine. I specifically asked why the fact that she was between the ages of XXXX and XXXX was not a way to avoid fees, since the reason for the delinking was due to it being a custodian account. I was told that this type of account did not include the age as a factor in avoiding fees, that the only ways was to maintain a {$2500.00} daily balance and/or to have transfers from a linked checking account. Wells Fargo to want it me to change this type of account, which is also a grandfathered account opened more than XXXX  years ago.
Product: Debt collection

I am submitting this complaint because Associated Credit Services is being unfair and negligent. This company has RE-AGED the account and IS reporting discrepancies across bureaus.

I am disputing the following item on my report : Account information : Associated Credit Services, account # XXXX, opened : XX/XX/2019, original balance {$440.00}, original creditor : XXXX XXXX. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
Product: Vehicle loan or lease

I leased a XXXX XXXX and for ~28 months made my monthly payments by submitting a check to Chase Auto Finance via my bank XXXX XXXX XXXX. Each of those ~ 28 months my check was cashed by Chase Auto Finance and each month each of those payments was posted correctly by Chase Auto Finance. 

Then on XX/XX/XXXX my bank again issued a ck to Chase Auto Finance ( as per usual ) and same process again in XX/XX/XXXX. Unfortunately Chase Auto Finance cashed my cksfor XXXX and XXXX, but Chase Auto Finance did not post the checks to my account. 

After A LARGE number of calls, over a 90 day period, Chase Auto Finance was able to find and correctly post my XXXX payment -- which is great, but to-date, Chase Auto Finance can not account for the XX/XX/XXXX payment. 

I have twice printed statements from my bank showing the issuance of the XXXX XXXX ck and the cashing of that ck on XX/XX/XXXX by Chase Auto Finance. I provided the printed copy of my bank statement to my local Chase Bank, and bank staff at that location, on two different dates ( the first time Chase Auto Finance lost the fax (!! ) ) faxed my bank statement to Chase Auto Finance. 

I have escalated this issue to Chase Auto Finance ' corp office and still no resolution -- in fact they closed my case after finding only the XXXX payment. 

Interestingly, today I called the XXXX XXXX offices in Michigan, spoke to a person by the name of XXXX and he laughed because HE IS GOING THROUGH THE SAME PROBLEM!! 

Please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX EMAIL : XXXXXXXXXXXX Chase Auto Finance Case # : XXXX Phone : XXXX ext : XXXX : XXXX
Product: Money transfer, virtual currency, or money service

All monies that have been reported to be refunded or returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$8800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$8800.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date OpenedXXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$82.00} written off. {$81.00} past due as of XX/XX/XXXX. 
Account TypeUtility Balance {$81.00} Date OpenedXXXX Dispute XXXX XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$1900.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT SPRING, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY GEORGIA XXXX XXXX, XXXX
Product: Checking or savings account

I have filed a dispute with wells fargo bank with whom I bank with currently for transactions on my account that were unauthorized also had no knowledge of charges. A police report was filed for my lost property as well as transactions that were made on my account..police report number from XXXX police department # XXXX I have provided those details for the transactions I have disputed totaling an amount of {$670.00} I feel like my dispute was not thoroughly investigated because wells fargo is stating there is no error ... there is a error I did not authorize those charges and have a police report that i have filed showing my person information has been stolen as well as am a victim of identity theft..multiple account have been tampered with. 
I also feel like it was not thoroughly handled properly because I have another claim totaling XXXX and for that one I was granted provisional credit immediately and it is still in process of being investigated so how is it that that claim is taking so long and I'm granted credit for that dispute but because this dispute I feel is higher they went against it and just said no without actually doing the research because I have documents from the police department in which I have contacted in regards to unauthorized transactions I am the victim of identity theft... so I would like my money back that was taken without my consent or knowledge!!
Product: Bank account or service

To Whom It May Concern : I am filing a complaint against Amegy Bank for insurmountable stress, loss of time at work, sleepless nights, XXXX days of driving and hours on the phone and in your bank. As of today, XXXX XXXX I still have no answers. 

Saturday morning XXXX XXXX I pulled into an ATM to get money out of my account. My husband 's direct deposit had gone through the night before and my husband and I had traveled to XXXX XXXX on Friday night for a short vacation weekend. 

On Saturday morning I tried to open my online banking account from my cell phone. After several failed attempts, I called the number on the back of the card and was told that my account was frozen and they could not disclose to me why. They instructed me to call the branch where I opened my account. I did. They also told me that they could not give me any reason why because that department was not in on Saturday. We were told by one Amegy employee that the hold was due to fraud by a write-off of a closed account from 2013. 

We have been with Amegy for XXXX years. We have never received any kind of letter or email in reference to a debt we owe to Amegy. We were treated on the phone like criminals. We had no other means to get funds to come home. We were told by customer service that someone would call us back, they did not. We spent the rest of our weekend trying to get answers and our funds released to no avail. Our vacation was ruined and we had to borrow money to get home on Sunday. 

Monday morning we spoke with XXXX XXXX XXXX of the XXXX branch who was able to release our funds but our debit cards were closed. We live XXXX minutes from Amegy, made XXXX trips that day trying to get to answers & money out of our account. XXXX XXXX did everything he could to get answers for us. Your fraud department, he found out, thinks that I owe {$260.00} but as XXXX XXXX showed me on your computer, I do not. My account was closed properly with XXXX XXXX XXXX ( my banker for XXXX years at the time. ) I know that I am not a large account holder. My wife and I are in our XXXX 's and I had XXXX and can not handle this level of XXXX. 

At this time, XXXX XXXX, XXXX XXXX, we still have no answers. Again, XXXX XXXX is doing everything he can to help us but I need to know who is able to hold {$2000.00} on a {$260.00} debt I do not owe. 

I am requested someone to please help us. 


Sincerely
Product: Vehicle loan or lease

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to Global Lending Services on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. 

This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment.

I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting.

This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission.

I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

I sent the letter because this is fraud and illegal to Global Lending Services, XXXX, XXXX, and XXXX because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, XXXX, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. 

This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ).

I look forward to your quick response to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting by Target Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX I noticed two late payments erroneously appearing on my Target Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXXXXXX XXXX XXXX, I have diligently contacted Target Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over XXXX representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use Target Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of Target Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that Target Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Equifax Customer Services, LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through XXXX. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address. 

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

I am a XXXX Veteran. This is reference to Veteran medical debt. I am being billed for a hospital stay. The Department of Veterans affairs  Authorized payment for all charges. This authorization was approved on XXXX. XXXX XXXX XXXX XXXX, the physician billing service has failed to process the payment and hired a debt collection service to come after me for the full amount. The debt collection Company CMRE continues to report this to my credit file and continues to bill me. It is a violation of federal law Title 38 U.S.C. 1703 to bill a Veteran for medical debt when the Department of Veterans Affairs has taken responsibility for the debt and issued a payment Authorization. The payment Authorization for this hospital stay on XXXX. XXXX XXXX is Authorization # XXXX. It was authorized on XXXX and can be verified with the Department of Veterans Affairs national community care office at XXXX. The Department of veterans Affairs called XXXX XXXX XXXX XXXX on XXXX and XXXX. Both time giving them all of the authorization information for payment. Both times XXXX from there insurance processing dept refused to delete this from my credit and has not followed through with processing. The Dept of Veterans affairs also contacted the collection agency CMRE on XXXX.They have had more than a reasonable amount of time to process this and is negatively impacting my credit and my health from the stress. The issue is not with me yet I am being punished. This is also a violation of the veterans protections in the fair credit reporting act section 603 15 USC 1681a as was amended in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email notification from XXXX  stating that Hyundai Motor Finance has posted a " Charged-Off '' account of {$16000.00} against my credit score. This resulted in -58 points from my overall credit score. I haven't owned a Hyundai vehicle since 2016 and it has been fully paid off by XXXX. I tried contacting Hyundai 's finance department and customer service department and it's impossible to get a hold of anyone. The automated message system states, The line is unusually busy. Please try again next time, '' and just automatically disconnects the call. 

In addition to filing a complaint with Consumer Financial Protection Bureau, I've already contacted XXXX, the Attorney General of Texas, and the Attorney General of California 's office to lay out the necessary steps to dispute this false claim and to make sure the public is aware of the distasteful unethical business practices by Hyundai during this ( COVID-19 ) unprecedented time. 

Additionally, Id like to mention that the name appearing on the attached document, XXXX XXXX XXXX, is my father who had co-signed the Hyundai Vehicle at the time of purchase.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes regarding inaccuracies. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

In the transfer from XXXX XXXX to Navient, I was unable to set up automatic payments. I was unclear which payment option to choose and unable to get an answer from Navient which option I should choose. I chose the wrong one, leading to my payments required being {$0.00} for a long time. No payments were being taken from my account I set up, leading to higher interest stacking up. Manual payments have got me back on track now, but not through any help of Navient.