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

Dear CFPB, I recently received a copy of my (, XXXX, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX XXXX XXXX XXXX Names of the accounts : - - TOYOTA MOTOR CREDIT Account numbers : - XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from Toyota Motor Credit, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of XXXX Compliance! 

Provide me with a XXXX Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my LexisNexis consumer credit report sent to me via mail.
Product: Credit reporting or other personal consumer reports

Earlier this year ( XXXX, XXXX  ), my wife and I reached out to XXXX XXXX XXXX XXXX and asked to be released from our timeshare purchased in XXXX of XXXX. We identified the timeshare as a hardship, and provided proof in our request to be released from the agreement. Because we had not used the timeshare at all, XXXX offered us a settlement by agreeing to accept a Warranty Deed and transfer the title back to the XXXX XXXX. I accepted the settlement offer and paid the agreed upon amount of {$1000.00} for a deed-in-lieu transfer. This was not a considered a foreclosure. 

I am a retired XXXX XXXX, a veteran with a XXXX XXXX VA XXXX. Recently I was inquiring about refinancing our VA mortgage to make our house more ADA accessible. However, we were told the XXXX placed a foreclosure notice on our credit reports, and that it will negatively impact us for the next seven years. 

We were engaged in a voluntary return of the timeshare and a mutually agreed termination of the contract. I asked them in writing ( XX/XX/XXXX, sent certified and registered mail ) that they remove the foreclosure coding from all three credit bureaus and replace it with language or coding that reflects the timeshare was transferred back to XXXX in good faith, for monetary consideration ( {$1000.00} ), and the account is closed with n monies owned. 

Again, it should not be listed as a foreclosure. I accepted a settlement offer, and settling for less than the full payment not a foreclosure. Also the word " 'foreclosure '' does not appear in the settlement agreement. 

a copy of the settlement letter is attached
Product: Credit reporting or other personal consumer reports

I recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated. 
I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 
To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called two weeks ago to check on why my XXXX XXXX XXXX ( there are XXXX XXXX ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report. 

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by XXXX. This is an egregious error and it is preventing me from buying a house! 

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.
Product: Credit card or prepaid card

I paid the {$99.00} annual fee earlier this year to Alliant Credit Union which should have been valid through XX/XX/2022. With the annual fee, the card was supposed to provide 2.5 % cash back with no restrictions. 

I received an email this week from Alliant stating that they are changing the terms of the card ( they did not provide 45 days notice ). The new terms are : there will no longer be an annual fee, the card will only produce 1.5 % cash back, to receive 2.5 % I would have to open a savings and a checking account and direct deposit monthly and have a daily balance of {$1000.00}. These restrictions were not in the original agreement. These would take effect in the XXXX billing cycle. 

Alliant used to have a similar card that offered XXXX % back with no annual fee. So these new " features '' are a severe downgrade. 

I contacted Alliant and asked if I would be refunded my annual fee since the card will no longer be giving me 2.5 % back and has many additional restrictions to get more than 1.5 %. They refused.
Product: Debt collection

To whom this matter concerns, I am filing a complaint against Statewide Credit Service who is the company seeking to collect a debt for XXXX XXXX sighting incorrect and false information. XXXX I received from XXXX, the company I communicated with and who rent balance and payments were discussed with, the correct amount. So it is clear, XXXX XXXX is who I signed my lease with, but XXXX XXXX took over some time into my tenancy and processed billing etc. rent payments until the end of my tenancy. Per the email received today the correct amount owed is {$1900.00} ( see attached email from XXXX received XX/XX/XXXX ) and not the {$5800.00} Statewide Credit Service has on my collections. I have made numerous attempts to contact both companies ( Statewide and XXXX XXXX ) to rectify to no avail even filled a dispute with XXXX but because everyone I was in communication with is no longer employed with XXXX or XXXX XXXX it took a while to get someone to research the matter. 

Uploaded are the lease agreement to show XXXX XXXX who I signed the lease with, and emails to XXXX and XXXX XXXX notifying them I vacated the unit per phone call to do so to avoid court. I highlighted the email I received XX/XX/XXXXfrom a XXXX rep stating the correct balance. Their negligence even resulted in a lien on my bank account. I am living paycheck to paycheck so why would this be allowed when the facts are misrepresented. 

Thank you.
Product: Mortgage

I was supposed to close in my loan this week. On XX/XX/22 I was told from underwriting that I could not close until I paid late fees from my primary mortgage. My loan has been in underwriting for several months and this is the first time that I was told the loan could not close for this reason. I was denied last month as my credit score was too low. I fixed my credit Score and they found another reason not To close my loan.
Product: Debt collection

i disputed these accounts with the creditor and the representative told me to stop disputing because it was reporting correctly and the information on my credit report is still reporting inaccurate information which is a violation of the FCRA also i have provide a copy of my account thats reporting inaccurately. i alos ask the company to provide the following Agreement with my information that was grant collection agency name the authority to collect this alleged debt.

Signed agreement debtor has made with debt collector, other verifiable proof debtor has a contractual obligation to pay debt collector Any agreement that bears the signature of debtor, wherein agreed to pay creditor. 

All statement while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgment been obtained by any creditor regarding this account? 


Easternaccos ( WOW ) ACCT # XXXX XXXX inaccurate information Easternaccos ( WOW ) ACCT # XXXX-inaccurate information
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter over 45 days ago to this bureau and they are disregarding a regular consumer dispute. Im XXXX  an has been sending letters before this and still no response.
Product: Checking or savings account

I would like to add to my open complaint XXXX Evidence - that XXXX XXXX  ( you can not call this a banker ) admitted that he sees my account - that the " staff '' at Capital One uses voice changers ( you need a software to hear the real voices ) Here 's an example : XXXX XXXX XXXX I have more calls to share. A live-stream where I also called XXXX XXXX  and the FDIC. Let me know if you want to hear it. A Capital One XXXX admits on the record that they see my account. 

You can clearly hear that they are aware of the theft. 

Over XXXX Million USD are on my XXXX account, mostly from an inheritance from the XXXX family. That's the maiden name of my mother. 

More details on the coordinated murder attempt by this group of mass murderers who calls themselves " XXXX '' here : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible. SEE ATTACHED
Product: Mortgage

This the XXXX since XXXX I have made request with Wells Fargo Bank for XXXX XXXX. I have never request for XXXX XXXX neither I have been provided XXXX XXXX. Refusing to provide XXXX report is XXXX violation. 
CFPB has refusal and CFPB should now choose deal with XXXX violation. 
Wells Fargo Bank stated they provided records yes many times and many times records that was provide not related my concern but totally different. Many times, Wells Fargo Bank response was not even related to my complaints. For example, XXXX facing eats the other facing how response received. 
Many response that was received not correct and they were false and inaccurate. My follow accuracy and response not related to my complaint Wells Fargo Bank never has been corrected, ONCE AGAIN FROM XXXX TO XX/XX/XXXX I NEVER MADE SINGLE REQUEST FOR XXXXXXXX XXXX, I NEVER RECEIVED XXXXXXXX XXXX AND REFUSING TO PROVIDE XXXX XXXX IS XXXX VIOLATION AND CFPB HAS TO TAKE ACTION ON. 
Recent XXXX XXXX XXXX fines are not good, and more fines and restitution should be charged to Wells Fargo Bank in violation of now XXXX and committing perjury. 
Wells Fargo never provided XXXXXXXX XXXX because I have never asked for it since XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX TIME I REQUEST FOR XXXX XXXX IS XX/XX/XXXX AND WELLS FARGO BANK NEVER PROVIDED XXXXXXXX XXXX BECAUSE I HAVE XXXX MADE ANY REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just because the contract was transferred does not mean the rights to enforce performance was transferred. This is an illegal debt and reporting it has caused me harm. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$650.00} XXXX XXXX XXXX  {$370.00} XXXX XXXX  XXXX  {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet XXXX, XXXX and equifax are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent, through certified mail, a letter to Transunion, XXXX, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - Transunion XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to Transunion requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, Transunion is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all 3 credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX
Product: Student loan

I have one private loan along with Federal Stanford loans. When I asked if I could reduce the interest rate or reduce payments I was to, d that I could not change the terms. I was transferred around and really given the runaround.
Product: Mortgage

XX/XX/2017, I received a notice from Select Portfolio Servicing, that claimed that I was to begin paying them, as they had become my new loan service provider. 
I initially believed it to be a scam, as it was a generic letter, and I had not received any notice from XXXX XXXXXXXX XXXX, who had been the current servicer. I requested loan documents, and a copy of the note. They sent me an electronic copy printed from their computer, of all the files they had relating to my mortgage, but no " Certified Copies '' of ANY original documents. I repeated my request multiple times, and received the exact same printout 4 times I believe, but still not a certified copy in the mix. They informed me that I could drive 15 hours each way, and view it in their XXXX XXXX XXXX office, where they keep them, and I informed them that they were not complying with R.E.S.P.A., and that they were required to send me a " Certified Copy '' and not just a print from a computer file. 
Several tries later, I was finally contacted by a man from their Ombudsman office, who agreed that they would send an actual certified copy of the Note, and other relevant documents. This did not happen. I have contacted them several times over the last 8 months, and have met the same exact end, no " Certified Copy '', and their office declaring they have met their obligation. 

They also changed the impound account amounts as soon as they took over this account, which they claimed they don't do, and increased the amounts by nearly {$150.00} per month, and could not explain adequately why, since there were no changes on the insurance or tax amounts being billed. Claiming that they don't do that until they have had it long enough to evaluate if there will be any shortfalls or overages ... yet they did it anyway. 

This lead to further concerns on my part. If they can just change things at their discretion, where will it stop? 

While I am not in default, I have been paying this under duress. I have been trying to work with them, but am afraid that they DO NOT actually possess the " Original Note. '' While this is not a huge issue at this moment, if I continue to pay them until the property is fully paid off, and someone else actually owns, or possesses the actual note, they could not sign off my property, or return the note to me. I could also lose my property to the actual note holder in the future, if they decided that I did not pay, or suddenly decided I owed a tremendous amount of back payments. 

While Select Portfolio Servicing was legally obligated to provide Certified Copies within 30 days from my request in XX/XX/2017, I am still waiting, and want those copies as requested. 
If they do not actually possess the required documents, I want the information on who does. Also for S.P.S. to stop collecting a debt they do not legally own.
Product: Checking or savings account

I opened a new checking account on XX/XX/XXXX. As the initial setup, I deposited XXXX - {$500.00} personal check from my grandmother and XXXX - {$7100.00} cashiers check from XXXX XXXX. The banker who assisted us deposited these checks and informed us it would be held for 10 days. 
I received a letter dated XX/XX/XXXX stating they have an issue with the deposits and need additional information. 
I called on XX/XX/XXXX to speak with customer service. They informed me that they needed to verify the checks I have deposited. They were unable to reach my grandma and XXXX XXXX Bank to verify the checks. 
I called again on XX/XX/XXXX to see what the status of the verification. Chase continued to say they will not release the checks until the checks are verified and within 2 days on XX/XX/XXXX they will deactivate my account and close it if not completed. 
I called again on XX/XX/XXXX and we were able to verify the {$500.00} check with my uncle who is also on the account with my Grandma. I was told they called the XXXX XXXX XXXX but the bank could not verify the check amount. But, they did call a number on the cashiers check and were able to validate the check number and date. 
On XX/XX/XXXX, my checking account was released from hold, reinstated to active status. I tested it out and was able to deposit 2 electronic transfers via XXXX for {$1.00} each. 
On XX/XX/XXXX, I called the customer line again since it has been another week and money still has not been deposited or made available to me. I demanded to speak with the supervisor and was assured by " XXXX '' that the checks will be released 3 to 5 business days. 
I am afraid it is another stall tactic and nothing has been done to help me. I have not received any notices or advice for next steps. My money has disappeared and no one is able to help me. Each time I have called, I am at least disconnected 1 time and spend over 2 hours on the phone. I have sent at least 5 emails through secure messages to Chase for assistance and each time I am directed back to the customer service line ( XXXX ). The customer service representatives and the supervisors say they can't help but for me to just wait. 

Chase has held my funds and have not provided any updates to me. My direct deposits have been rejected and now I am without any access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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