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

Equifax did not do a proper investigation about the removal of credit inquiries in accordance with the FCRA. I submitted my dispute two days ago and they sent me the results today. Nothing was corrected. There is no way they followed proper procedures because I tried to call a few of the companies listed and they are no longer in business! How could they verify the validity of the inquiry with no company in existence? I know that I never did or attempted to do business with the companies I disputed! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Vehicle loan or lease

I applied for a car loan at XXXX XXXX XXXX dealer on XXXX XXXX 2017. They ran my credit and told me everything is good and I drove the car out of the lot. For 5 weeks they kept running my credit even though I had been approved for a loan with XXXX. They wanted to only go with XXXX XXXX XXXX XXXX. This is a predatory lending practice. Therefore I could n't register my car in time, I could n't get a parking pass in my residence and my credit score kept going down. I have finally received a Bill from XXXX XXXX XXXX XXXX. There is NO contract or initiation package included that confirms the terms and conditions of the loan. There is NO online customer support. They do NOT answer the phone they have enlisted in the bill and they expect me to pay them in 3 days. I can not pay a bill until I confirm it is a legitimate financing company with the terms that I signed the contract for. The dealer is not helpful at all either.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into an automobile loan agreement with Lendbuzz Funding LLC for a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The loan agreement explicitly states in Section 19 that Lendbuzz Funding LLC or its assignee must maintain a " Register '' to record the names, addresses, and principal amounts owed to each owner of beneficial interests in the loan. 
On XX/XX/XXXX, I sent a written request to Lendbuzz Funding LLC asking for : The name ( s ) and address ( es ) of the current Loan Owner ( s ).

The date ( s ) and details of any assignment ( s ) or transfer ( s ) of the loan.

A copy of the relevant portion of the Register showing this information. 
Despite making this formal request, I have not received a response or acknowledgment from Lendbuzz Funding LLC. This failure to provide information raises serious concerns about the transparency of the loan ownership and whether my payments are being properly directed to the rightful owner. 
I am seeking the CFPBs assistance to ensure that Lendbuzz Funding LLC complies with its contractual and legal obligations to provide accurate information regarding loan ownership and assignment.
Product: Debt collection

There is a collections account impacting my credit from Jefferson Capital Systems in the amount of {$3900.00}, on behalf of XXXX XXXX. 

This debt does not belong to me, but apparently my information is on it and it is now sitting on my credit report. I attempted to dispute the debt in XXXX of XXXX  and see for myself what information is on record linking it to me, and have asked for specific information only to for them to simply decline the dispute without even the courtesy of letting me look at the information they are using to negatively impact my credit. Since I have already tried to appeal to the company with no success, I would like to file a complaint and see if someone can help. This debt is seriously hurting my credit, and the companys lack of concern has been unfair. If my information is out there for anyone to use I need to be fully aware of that, and I cant do that. Id like to just get this resolved easily without resorting to more complicated and expensive means. Any help is appreciated. 

Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 6. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Delete from my credit report.
Product: Bank account or service

I deposited a check for {$19000.00} inside a BOA branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a " return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Bank of America. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to BOA 's policies. I would have gladly authorized the check if I knew that it needed to be authorized.
Product: Debt collection

I was not aware of a pending payment amounting {$260.00} as a medical bill as, my address changed and I did not receive any communication from the agency 'Nationwide Recovery Service '. It showed up on my annual credit report. I called and paid it through my debit card asap on XX/XX/2017 and all I asked for a payment confirmation or receipt of the payment. I was told that full letter will be mailed to my address in 10 business days. I requested an email confirmation sooner than 10 business days as I am traveling abroad before that. 

I was made fun of and laughed at by XXXX. I felt like she was rude and insensitive. Hence, I asked to speak with a manager.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Prepaid card

- I was issued a XXXX debit card with {$28000.00} on the card Bank Of America allowed someone to use my card and spent {$16000.00} before it was brought to my attention i have submitted a claim and police report along with my identification and statement to them and XXXX why have denied my claim TWICE I dont think there actually investigating these claims I need my issues resolved why dont they want to release my money to me?????
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written consent. 

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 DXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also XXXX credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In summary, Paypal won't close my account without me sending them a full credit card statement from my bank with all my personal info, or making 2 deposits to my now credit card ( not an option due to them being closed ). 

A couple months ago, I received 2 fraudulent transactions for low amounts to XXXX XXXX 's ( <under {$20.00} each ). I have been a member of Paypal for almost as long as they've been a company, and haven't reported a single fraudulent transaction. I reported these as fraudulent with Paypal, but got denials hours later. I then reported them to my bank, and after a short discussion, decided to cancel the card and called Paypal back to close the account. I figured I got 'lucky ' with the low transaction values, but concluded that Paypal ultimately will not protect me when I have an unauthorized transaction in the future. 

Paypal said they couldn't close the account because the reported fraudulent transactions still needed to be completed. I called a bit later, and now I couldn't report it because my bank has an open case investigation on the transactions too. I then waited a couple months and called them back. They said they need to 'verify it's me ' by either making 2 small deposits to the most recent credit card on file, or that I needed to send a full credit card statement in to do so. Seeing that the card was closed, I only had one option. I refused because Paypal does not have a right to view my personal credit card statement, which has quite a bit of personal info, as well as my credit card transaction history. I did not want that on file, and asked the XXXX XXXX that there had to be another way to prove I was who I was. She said it was impossible. If I can access the account, make all sorts of changes and even transactions with my login info, email, and knowledge of my personal info, why would I need more to close my account? It seems deliberately frustrating so that people will avoid closing their accounts. This has been a downright frustrating and offensive experience.
Product: Debt collection

I had consolidated my federal student loans and they never sent me a letter saying my XXXX would be garnished or that I would be in default of my loans soon. As far as I knew when I logged on to my XXXX it said my loans were forgiven. COAST PROFESSIONAL XXXX SENT THE NOTICE TO THE WRONG ADDRESS, AND IT WAS N'T EVEN IN THE RIGHT STATE! THEY HAVE N'T BEEN HELPFUL AT ALL. So now my XXXX payments are being garnished every month, which it was already hard enough to live on what little income I was receiving, now it 's almost impossible. If there is anything you can do to help let me know. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a call that my credit card through Lowes via Synchrony Bank had a payment due. I have never missed a payment but had not received a bill mail or digital. During the call I paid over the phone and had the agent check to see why I did not get a bill. The agent said there was no information for the account to send a bill which is false because the account has been open and use since 2013 and I have NEVER missed a payment. Even though I paid over the phone by credit report shows no payment. Customer service says my account was i active because it was marked I was deceased which is obviously wrong and why would they report a deceased persons credit.
Product: Checking or savings account

I recently made a XXXX cashout due to separation of my previous job, I received a check issued from Bank Of America a little bit over {$30000.00} and was going to use that for my sons medical expenses he has XXXX. On XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked to cash this check issued from them. They were rude and did not allow me to cash the check which was issued by their own institution and told me since I was not a Bank of AMerica customer they could not cash it. So now my sons medical procedures and expenses are on hold due to this. I spoke to a XXXX XXXX who was rude and told him I would be making a complaint, he continued to be rude and said go right ahead! This is the worst customer service I have received ever and they refuse to cash my check which was issued by them! 

Sincerely, XXXX XXXX
Product: Mortgage

Looking to remove PMI after my LTV hit 78 %. Company is telling me I need appraisal or I can wait till XX/XX/2021 and then PMI will come off automatically. The company does not explain why they wont remove PMI prior to the original date even though I have never defaulted on any payments and they are completely up to date. I also verified the LTV is at 78 %. I spoke with Wells Fargo and they refuse basically because they want more money. I do not understand the need for the appraisal if the PMI will be removed come XXXX without having one. I am being penalized for paying on time and early. The homeowners protection act states the lenders are to remove PMI once the LTV has reached 78 %. I am not at the 80 % that would be the minimum to request PMI removal. Also during the call I mentioned placing a complaint and the agent told me they did not care and the company will deal with it when it comes through. The customer service is atrocious as I was told I would be contact by end of business and never was.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time Santander has reported a late payment incorrectly. The first time around, they completely ignored my request for a correction of reporting. I had to go through a credit repair company and pay to have the reporting corrected. Now after this debt has been paid off on XX/XX/2020, they report a delinquency on my credit on XX/XX/2020. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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: Bank account or service

I tried to close my account with TDBank but every time I tried I was thwarted. I believe this was intentional.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX
Product: Debt collection

Beginning XX/XX/XXXX as I began apartment hunting, I ordered my credit report and noticed a charge from " Hunter-Warfield, inc. '' a debt collector, that was placed on XX/XX/XXXX, on all XXXX of my credit reports. I was not aware of this debt and knew I did not owe it. I disputed this charge with Equifax and Transunion. The debt was declared valid since I did not include any supporting documents. I contacted " Hunter Warfield '' via the number on file. The representative stated the charges came from " XXXX XXXX '' aka " XXXX XXXX. '' The rep stated that the company only had to show a lease to prove this was a legitimate debt and have it placed on my credit reports. ( After learning who had placed this charge, I was able to determine what documents I needed to show ) I explained to the rep. that I have court documents to prove that I owed a XXXX balance, and that this charge was not a legitimate debt, and that it was " falsely '' placed on my credit report. I sent the court documents via email on XXXX, XXXX, XXXX to " Hunter Warfield , inc . The rep. verified that she received the documents, but stated that she had to wait on the company 's response to their inquiry before proceeding to remove the charges. I disagreed due to their falsifying of information initially, but I was left no choice but to allow them to follow the steps they state they are required to follow. However, I feel that no actions may be  taken to remove this false debt from my credit.
Product: Mortgage

PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT XXXX. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
Product: Mortgage

We are in the process of procuring a VA refi loan for our primary residence. We originally chose PennyMac to handle the loan. In the process, and after spending a fair amount of money, PennyMac said we needed Flood Insurance. We challenged this and to no avail. We checked out other lenders and all have found out the our residence is considered X500, meaning no flood insurance is required. We approached PennyMac about this with documentation and they still refused to remove this stipulation. At this point we chose another financial institution, XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX AR. They have been great to work with especially XXXX XXXX, VP for lending. The one document he needs to move forward is the appraisal, which I paid for. PennyMac has to release this appraisal to the VA for reassignment to XXXXXXXX XXXX. They are severly dragging their feet on this issue to the point that we might not meet the time period for our interest rate. I have contacted PennyMac by phone, email and text directly to : XXXX XXXX XXXX Loan Officer NMLS # XXXX Phone : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXX We are given a multitude of excuses as to why it hasn't been done. XXXXXXXX XXXX has also contacte

d PennyMac, but to no avail. We paid for this appraisal and feel that it is within our rights to chose the lender we chose and to have full cooperation from PennyMac to help us move forward with this new l
ender. 

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

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.