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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you XXXX  days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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 XXXX  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: Mortgage

I am having the most difficult time with Ditech. I first applied for help last year. When going through the process, Ditech never really offered me a modification option. They keep pushing a repayment plan. Then they back doored me with a sale date! I had to file a bankruptcy to protect my self. I now have help and understand how the programs work, and how the underwriting works for these programs. 

I am now in review for a modification. We have been asking for over a week what documents are needed. Everyday they would say the same thing. " Copy of pay check '' I would send everyday and follow up. Ditech would ask for the same thing. After a week we demanded to talk to the processor who was working the file. Admittedly we were very frustrated at this point. The assigned processor told us we need to send a profit and loss!?!?!?!. Wow! When we asked why after over a week of requesting what was needed, that was never told to us by Ditech? The processor stated to us " I DONT CARE! ''
Product: Credit card

I have two types of promotional finance offers on my credit card : Amazon.com " Equal Pay '' for no interest ( purchases made on Amazon.com for which I forgo the 5 % Amazon XXXX purchase credit to obtain longer payment terms ), and " MyChasePlan '' offers, which are equal pay plus a monthly fee that is, essentially, imputed interest. On XX/XX/XXXX, I had balances on both types of plans. I called to obtain the SPECIFIC amount necessary to pay off ALL of the " MyChasePlan '' outstanding balances, a feature that we are assured in large letters will be permitted at any time without penalty when setting these up. 

On XX/XX/XXXX, the Chase representative told me that I had to first pay off all of my " 0 % interest Amazon Equal Pay '' balances ; I was unhappy about losing the extended payment period on these, but figured it was my fault for not reading the fine print before setting up the MyChasePlan agreements. So I paid the entire total amount I was told was necessary on that day to pay off all of the outstanding amounts. I just received the next monthly statement for this account. To my surprise, I discovered that they did NOT allocate the payments as I was told they would. My account still shows {$1800.00} in 4 outstanding " MyChase '' plans, with a total of $ XXXX in monthly fees until paid off. 

However, after that conversation and payment, and in reliance the assurance from Chase that this was the amount necessary to pay off ALL of my plans, I chose to purchase additional items from Amazon, foregoing the 5 % XXXX  credit I could have received if I had purchased them outright. 

Chase says today, XX/XX/XXXX, that its representative gave me the wrong information on XX/XX/XXXX. Today I was told that the only way to pay off the MyChasePlan balances on XXXX XX/XX/XXXX would have been to pay off the ENTIRE outstanding balance on the most recent previous statement. Because I relied on the incorrect information their representative gave me, I am stuck with either losing {$120.00} in Amazon credits I could have received on my late XXXX XXXX purchases if I had not chosen extended payment plans OR paying the monthly MyChase fees on the remaining MyChase plans until they are paid off ( a total of {$220.00} ). 

I can not find anything, on the Chase site or otherwise, that says I have to pay off the ENTIRE STATEMENT BALANCE to pay off all outstanding MyChasePlan offers, so relying on their representative 's statement was a reasonable action. Please help make this right.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Money transfer, virtual currency, or money service

Using the built-in exchange feature, I exchanged one bitcoin for approximately {$92000.00} in XXXX coin XXXX From reading SEC documents, Exodus takes commission and monthly volume payment from exchange. Exodus sent the coin to some exchange which they had picked and not previously told me about ( it looks like they do exchange in-house but that is not what happened ). The exchange refuses to send me the XXXX. I did " know your customer '' KYC with Exodus to get help, and they told me to contact the exchange " XXXX XXXX XXXX '' which I had never heard of. That exchange made me do KYC to message them, which I did. That exchange asked where I got bitcoin from and I told them ( I got the bitcoin from another exchange ). Now the exchange and Exodus won't message me and won't send the XXXX nor return the bitcoin. Exodus is running a fraud by partnering with an off-shore exchange without telling people and then the exchange never delivers and gives Exodus a kickback. 

I have screenshots of everything and can show the onchain addresses. Exodus is scamming everyone who tries to exchange, and Exodus looks legitimate because they are listed on USA stock exchange. 

XXXX claims no knowledge about the exchange which they get kickbacks from and told me to contact the exchange at XXXX. I did XXXX with both of them and now both won't talk to me anymore.
Product: Checking or savings account

XX/XX/year>, I received an email from Capital One bank informing me of a system issue impacting payments and transactions caused by one of their third-party vendors. While I understand that mistakes can happen, I was alarmed to discover that a significant transfer I had made on XX/XX/XXXX to my XXXX XXXX account in the amount of {$25000.00} still had not go through. When I logged into the banking app to review my accounts, I was shocked to find that my business account was no longer visible. Not just a missing transaction or delay, but the entire account was gone. However, all my personal, investment, and credit card accounts were unaffected and displayed as usual, but my business account was completely absent. 

I received an email this morning from Capital One Alerts, stating my transfer in the amount of {$25000.00} from my Cap One XXXX account to my XXXX XXXX XXXX account, but when I checked my XXXX XXXX banking account, there was no transfer and no funds from Capital One. I called the bank and was met with an automated message explaining the ongoing issue with their third-party vendor. While I appreciated the explanation, my frustration grew as I navigated the prompts to speak with a representative, only to have my call disconnect repeatedly. Each attempt to reach customer service ended with the call dropping, leaving me unable to resolve this critical issue. 

This has been an incredibly frustrating experience, and I am seeking immediate assistance to restore access to my business account and ensure this matter is resolved promptly.
Product: Vehicle loan or lease

On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX   and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money. 
Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?
Product: Money transfer, virtual currency, or money service

Hello. Sir I met XXXX at XXXX XXXX. HE XXXX  me to do XXXX so I transfer {$200000.00} to XXXX. on XXXX I didn't know about this so just follow him. 
He made me transfer all XXXX to XXXX XXXX on XXXX I did two times betting and he refer me VIP promotion. And they sent me message make XXXX until XXXX. 
He asked me XXXX and he will help me the rest of them. 
He sent me already XXXX. 
But I doubt I got scam at that time. I know it is stupid. 
I saw his picture from XXXX XXXX And same picture from XXXX XXXX XXXX. And picture person is XXXX XXXX XXXXXXXX XXXX post with his picture. Someone used his picture for scam. If mentioned investment, XXXX and XXXX, that is not him. 

XXXX still is working on getting more money from me. 
Now I pretend to be sick from XXXX. 
I don't know what to do. Connect with him to find or disconnect. 
Advise for me. 
I reported at XXXX and XXXX. 
They said if Authorities assistance contact them, they help them XXXX is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you help me? I hope no more victim. 
Help me please. Anytime contact me please. 
Thanks for spending time. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY/XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY/XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX credit report is violating consumer protection law my score keep going down foe now reason this is madness Transunion is doing the same thing violating consumer protection law
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the vehicle was involved in a horrible accident and was a total loss. I contacted the lender to inform them on XX/XX/XXXX and I was not given any instruction on what the next steps were. On XX/XX/XXXX I noticed XXXX updated my credit report to repossession on Equifax, closed on XXXX and open on XXXX. 
I reached out to the XXXX credit bureaus for them to validate and correct the inaccurate information and the lender has continuously updated the account as correct.
Product: Credit reporting

I currently have a billing dispute regarding my XXXX credit card ending in account number XXXX. While the dispute is under investigation, the bank reported my account negatively to the credit reporting agencies. Can it do this? No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. The problem here is I never received a statement from XXXX to make a payment on time and therefore they placed a 30 day late on my credit reports which when disputed should not be allowed, see below. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion multiple letters starting on XX/XX/2022. I was requesting the method they used to verify the bankruptcy they have listed on my credit report. They have refused to provide me with any documents of information they used to verify this alleged bankruptcy. I sent another letter in XX/XX/2022, disputing the item with proof from the United States Bankruptcy Court stating that they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. I sent my last letter on XX/XX/2022, informing Transunion that if they can not provide such documents, this bankruptcy needs to be removed from my credit file as it is defaming my character. They responded again saying XXXX as XXXX '' without proof. It seems Transnsunion is not able to provide proof of this alleged bankruptcy. In this case, if they can not reveal how they truly verified this item then it needs to be deleted according to the FCRA. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Checking or savings account

I have a Citi Accelerate Savings account with Citibank. Current balance is slightly over {$200000.00}. On XX/XX/XXXX, I contacted Citi by phone and asked them to close the account and remit the balance to me. I was told that I would not be able to electronically transfer the funds out to a corresponding bank account because the amount exceeded my monthly transfer limits. However, they advised that they could send me the entire balance by check through the mail and that there would be no charge for doing so. I was told to expect the check within 7 - 10 days. When 2 weeks passed and I did not receive the check or any word from Citi, I contacted them by phone again. This time I was told I would receive the check within 3 - 5 days. I still have not received the proceeds of my account. I am convinced that Citi has no intention of closing the account and that they have acted completely unethically here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an ongoing issue where I have been unable to view my credit report on My Equifax since XXXX. I have made numerous calls to complain, submitted proof of identity, and even upgraded to a paid subscription, and still can't get this resolved. I have requested to delete my entire account so I could start fresh hoping that would fix the issue and was told that is not possible. Every time I call they tell me the issue has to be escalated and to wait for an email that it has been resolved. It has never been resolved and I never received any emails. With the paid subscription I should be able to see my scores from all 3 agencies and even the scores they are showing are incorrect. No one wants to help and when I try to get a supervisor I get the runaround or transferred back into the queue or to a survey.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2022 I requested a block of information on my credit report for account XXXX. According to federal law 15 u.s.c. 1681c-2 once I provide all appropriate proofs of identity, identity report and all documentation required, the credit bureau had 4 days to block the information and they have not. I submitted all proof to the cfpb and still no results. This is a direct violation of willful noncompliance. 
Please block this inaccurate information and send all parties requesting my credit report and updated report.
Product: Debt collection

I never received any information about the debt and when I checked my credit it had been put into collections
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to XXXX XXXX  : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information is inaccurate and also show up as a duplicate on my credit report.
Product: Credit reporting or other personal consumer reports

Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to Westlake Financial. 

In XXXX, I get a call from Westlake Financial that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of XXXX as the vehicle should have been paid off in XXXX. 

I then spoke with Westlake Financial and told them I traded in my vehicle on XX/XX/XXXX of XXXX  and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with Westlake to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and Mitsubishi to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.