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

I have an open account with TD Auto Finance and make a monthly minimum payment of around {$360.00}. Lately all my payments have been on time however there was a time where i made frequent late payments due to financial hardships caused by medical health issues. Im just now starting to get over these medical issues and am looking forward to rebuilding my life and credit report with on time payments, responsibility, and good will.
Product: Credit reporting or other personal consumer reports

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. 

Account name : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hi, It is my understanding that a debt collector must furnish a letter within XXXX  days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX  days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX  times after the initial contact. I am retired and living on Social Security as my sole source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding four inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 700 creditXXXX XXXX XX/XX/2022 700 credit/XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with XXXXXXXX ,700 credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX yet nothing has been done. Please send me confirmation that these inquiries were removed immediately
Product: Mortgage

I contacted HUD because I have a XXXX  loan and I have been experiencing difficulties communicating with Wells Fargo and getting assistance from them. 
In XX/XX/XXXX I contacted Wells Fargo regarding my hardship and the option they gave me was to pay double my monthly mortgage. Although I didn't know how, I accepted because the only other option was foreclosure on my home. 
XX/XX/XXXX I received an email from XXXX XXXX at HUD, which is attached. He was in contact with Wells Fargo about my account. 
I received another email from XXXX XXXX at HUD advising that I call Wells Fargo about the XXXX Loan Modification and Partial Claim. He said this would bring my account current ; yet when I contacted Wells Fargo they said that wasn't an option. 
Wells Fargo has a history of discriminating against their homeowners ; providing XXXX homeowners with options that increase their mortgage rather than decrease it, not providing loan modifications or forbearances, etc. 
I have sent XXXX emails to XXXX XXXX, the XXXX XXXX XXXXXXXX. I have attached those emails. 
I was told by Wells Fargo that I can not chose what option is presented to me ; however, I advised that I would like to be considered for forbearance as I've never taken XXXX or the XXXX Loan Modification and Partial claim that will bring my account current. 
To date, I haven't heard anything. Please review the attachments. 
There is a long list of XXXX Loss Mitigation Options for XXXX  XXXX XXXX Why aren't I being offered any? Why is Wells Fargo refusing to work with me. No integrity. 
I logged into my Wells Fargo app and they have redone all of my monthly statements It doesn't say UPDATED or anything, it appears as if this is how its always been, yet that isn't true. They are covering themselves and falsifying data. CFPB, I need your help. HUD I need your help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with Experian and XXXX and I verified the item as accurate I have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to me or any credit bureaus for that Matter, Therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611I ( 15 U.S.C. 1681 ) and the information must be deleted immediately.
Product: Checking or savings account

I opened a checking account with Citizens Bank with a promotional coupon that promised to give me a {$200.00} bonus if I met the terms. The terms were to set up direct deposit and have one direct deposit of {$500.00} or more, to not have been a primary signer on another checking account in the past 6 months, and to have an account in good standing. All of these terms were met, and I called the bank repeatedly after the 3 months that they told me it would take to receive the bonus. I have not received the bonus after more than 6 months.
Product: Debt collection

account was canceled and equipment was returned in XXXX 2019, but company says didn't not get returned and sold account to credit agency for double in XXXX 2019 2019
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against Experian regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : 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 I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies. 
Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX the same day as the request for services was the same day the contract was to be canceled and rescinded. It is either the sales person that added this to my credit report fraudulently. There is no payment to be made and I asked for the down payment to be recredited back to the credit card used. The service was not needed and there is no employment and it was very expensive and counted a accident within the policy. I stated to be canceled its not affordable for my situation at the time. This collection is a hardship that has prevented myself from obtaining any approval for what I need to survive. I need housing and can not receive it because of this fraudulent collection reporting as a delinquent and thats not fair when it was stated to be canceled the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681. Account name XXXX XXXX XXXX account number:XXXXaccount name : XXXX XXXX  account number:XXXX. Account name : XXXX XXXX account number:XXXX. Account name : XXXXXXXX XXXX  Account number:XXXX. Account name : XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX. Account name : XXXX XXXX XXXX Account numberXXXX. 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included attachments, containing all error or inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to speak to a rep and see why 2 collections accounts had not been removed from my credit report, although the company had requested the removal of those accounts TWICE. The rep told me that the accounts had been verified and would stay on my credit report for 7 years. I explained the situation to the rep regarding what I was told about the debts needing to be manually deleted, and the rep refused. I even tried to offer the control numbers given to me by the company and the rep refused them stating the company had to send them something in writing, which they did, TWICE!
Product: Credit reporting

I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my consumer that I've tried to get resolved with the credit reporting agencies but they refused to remove them
Product: Credit card

I am writing to formally dispute inaccurate information being reported on my credit file by XXXX and XXXX Credit Card Company. These companies are reporting that I have accounts with them that were closed with outstanding balances, but I have no knowledge of ever opening or holding accounts with either company. 

As this information is incorrect, I request an immediate investigation and removal of these accounts from my credit report. These inaccurate records are negatively impacting my credit, and I urge you to take prompt action to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2019 I contacted the debt to insure the accuracy.
Product: Credit card

Please reference last complaint from Capital One Subject : Your submission, [ Case number : XXXX ] XXXX XXXX from Capital advised she would listen to calls and would get back to me with an answer but never returned my calls. I tired teaching XXXX XXXX from Capital One but was unable to reach her at the number she provided, every time I would call the line would be busy and so I would reach out to someone else at Capital One only to be advised that they tired and the line was busy. Capital One has left me in a financial mess with my other creditors, they refuse to reissue the Access checks/ reissues the checks they returned due to fraud on my account. Capital One also has false advertisement about the Access checks I was told I could use the checks for balance transfers, but the limit was never disclosed on the letter as to how much only the interest rates/ special offer to get 12 months of 0 percent interests rates.
Product: Mortgage

Navy Federal Credit Union has updated my mortgage account by verifying inaccurate information on my credit report payment history. My family had enrolled in the PAHAF  program for Covid-19 hardship assistance. Navy Federal was made aware of this from the beginning. Navy Federal even gave us a Covid-19 accommodation by filling out the forms for the assistance program. Navy Federal also received funds directly from the states Covid-19 program and still reported our mortgage as late. The law that Navy Federal is violating is 15 U.S.C.1681s-2 ( a ) ( 1 ). Congress passed federal law to protect consumers from harmful credit reporting during the Covid-19 pandemic crisis. This law temporarily has amended the FCRA, which all furnisher companies must obey. Furthermore under 15 U.S.C.1681s- ( 2 ) ( b ), Navy Federal has just opened itself up to Private Right of Action by verifying and updating inaccurate information to my credit report. I have sent Navy Federal proof of this by certified mail. I want the CFPB to step in and fight for my consumer rights. Or I will be force to hire a FCRA consumer attorney, and file a lawsuit against Navy Federal.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXXat XXXX XXXX I received a response from Google pay specialist concerning a previous complaint against them : thank you for waiting patiently for our update. THIS IS XXXX AND WE'RE GETTING BACK TO YOU AS YOU FILED A CASE WITH CFPB. TO HAVE YOUR REMAINING MONEY IN GOOGLE PAY REFUNDED TO YOUR BANK ACCOUNT PLEASE COMPLETE THIS SECURED FORM ( https : //support.google.com/pay/contact/usd_wb_ach? XXXX & XXXX & XXXX ) please do you this form now, even if you previously link a bank account to Google 's payments service I would like to make sure that we refund your money promptly to your preferred bank account with your most updated information thank you and have a great day thanks XXXX the Google support team. As on XX/XX/XXXX I noticed that my money was not in the account anymore but {$3.00} which was a total of {$61.00} so TODAY XX/XX/XXXX I CALLED THEM CONCERNING THE WHEREABOUTS OF THE PHONES I WAS SUPPOSED TO BE TRANSFERRED THROUGH THE PAYMENT FORM METHOD WHICH REQUIRED A BANK ROUTING AND CHECKING NUMBER BUT AS I WAS TALKING WITH THE REPRESENTATIVES THEY SAID THAT THE MONEY WOULD TRANSFER BACK TO THE SENDER WHICH IS TOTALLY AGAINST WHAT I RECEIVED ON THE SECOND OF XXXX WHICH DOES NOT COMPLY WITH WHAT THE AGREEMENTS WAS ON GAMES IS ALL I'VE BEEN GOING THROUGH WITH GOOGLE PAY WHY WOULD HE SEND ME A FORM TO REQUEST THE MONEY OUT OF MY ACCOUNT TO MY PREFERRED BANKING CHOICE TO JUST SEND IT BACK TO THE SENDER WHICH DAY WAS NOT SUPPOSED TO DO THAT IS ILLEGAL IN THAT IS STEALING TO GO INTO A CUSTOMER 'S ACCOUNT AND SEND IT BACK TO A SENDER WHICH YOU MAY NOT EVEN KNOW IF THAT WAS SUPPOSED TO EVEN TAKE PLACE CUZ THERE WAS NO FORM OR NO A KNOWLEDGEMENT FROM ME TOOK HIM TO MAKE THEM FEEL AS SUCH TO DO SO. I TOTALLY FEEL XXXX VANDALIZED AND FEEL LIKE MY ACCOUNT WAS VANDALIZED AND FUNDS SENT BACK TO SOMEONE THAT WAS NOT THR SUPPOSED AGREEMENT. I want to take a lawsuit out on Google pay, Google llc, alphabet on this matter come through this far too long since XX/XX/XXXX of this issue and just for them to send my money to a wrong account let alone a reversal and not a transfer why would I receive a reversal if I got a transfer form on the XX/XX/XXXX and my money was taken out of the account on XX/XX/XXXX. I have that email case number ID that has that form. Your Google Support Inquiry : Case ID [ XXXX ] Also I would like to seek section 2102 california financial code.
Product: Debt collection

I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully
Product: Debt collection

I have had a debt collection company calling me incessantly for over a year. I spoke with someone named XXXX at the company and provided my check card info with the agreement they would deduct {$25.00} a month from my back account to pay my debt and asked that they never contact my job or my husband. Since then they never took a payment out as was agreed, they not only called me incessantly but my husband as well and last time they called they insinuated they were calling from my doctors office to attempt to get my husband who was at work at the time to get me on the phone and then called my employer after being asked to never call them. When I have spoken to them they have been nothing but rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2900.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$5700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$310.00}, original creditor XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} ), XXXX  XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$610.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts below has violated my rights. 

- XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXAccount # - XXXX - XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX XXXX /Account # - XXXX - XXXX XXXX XXXX /Account XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX a payment was made in the amount of {$570.00} to a merchant called XXXX XXXX XXXX XXXX. I purchased a 13 hour massage package that had no expiration date, which I had previously purchased several times before. On XX/XX/XXXX a dispute was filed with Discover Card regarding the abrupt closure of the company. All necessary steps were taken to provide proof that the merchant went out of business. I provided screenshots from other XXXX members regarding their similar situations, and I provided a copy of the Notice of Abandonment Civil Code Section 1951.3. On XX/XX/XXXX I was apparently sent a notice regarding the decision to favor the merchant. However, I do not recall receiving it so I found out today after looking through my statements and unable to find out any information from my current account on XX/XX/XXXX that it was ruled in the merchants favor because Discover was unable to dispute the charges.
Product: Credit reporting

Trans Union is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened.