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

I purchased a XXXX XXXX XXXX XX/XX/XXXX from US Auto Sales. I have had nothing but issues since the beginning. They have double charged my account, put extra insurance on my loan when I had proof of insurance, misapplied payments, and somehow I am upside down XXXX on this car loan. 4 months ago they repoed my car and I was only XXXX XXXX months late. The repo company damaged my vehicle by pulling it from the front bumper even after we provided keys and asked them not to tow it that way. I have had warning issues in the car from the killswitch, and when I was told I was approved for deferment they applied that wrong as well, so now my car is once again been repossessed by the new company XXXX XXXX. I should not be 90 days behind bc I was promised approval for deferment and they never processed it. I am now stuck with a loan that grows instead of gets smaller. I would love for the finance company to reappraise this car for its actual resale value which is XXXX not XXXX.
Product: Mortgage

Payments applied to Flagstar Bank loan Supervisor XXXX have been incorrectly paid and not applied to principal on the following date listed below : each payment was in the amount of {$1100.00}. 

XXXX not paid to Principal as requested XXXX not paid to Principal as requested XXXX not paid to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested XXXX not paid or applied to Principal as requested The loan supervisor refused to reapply these payments to Principal as originally request orally on recorded line and as specifically identified in every payment memo indicating principal only.
Product: Checking or savings account

First, I keep meticulous records of all my financial transactions. Any time I make a purchase, I keep my receipt and reconcile my ledger every day. Twice in the past month I have noticed my bank account decrease by approximately {$200.00}. The first time it happened, I went into my local XXXX branch and discussed it with a banker. I showed them my ledger/activity and compared it to what they had in their system. This didn't yield any explanation for the discrepancy. I made the adjustment to my balance in my ledger to account for this 'missing ' amount. It happened again about 2 weeks later, for around the same amount. I can not seem to make any progress as to get any answers from Wells Fargo. I have read online of other customers facing similar situations with their checking accounts. 

Please help!
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXXXXXX XXXX Late Payment {$2200.00} XXXX XXXX Late Payment {$510.00} XXXX XXXX Late Payment {$1700.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$6200.00} XXXX XXXXXXXX Late Payment {$810.00} XXXX XXXX XXXXXXXX Charge-off {$320.00} XXXX XXXX XXXX Charge-off {$1700.00} XXXX XXXXXXXX Charge-off {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2019 I been disputing a bankruptcy offf my report belonging to someone else with the proper paper work XXXX will not remove this at all I won't them to deleted this man bankruptcy off my file they have deleted his name and kept the bankruptcy I included all supporting documentation from this in close is new information from Lexisnexis showing they didn't get any respond back from XXXX  when they tried to investigate with them on the matter of investigation with them
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Very disappointing and Unfair Transection this time I am a regular monthly client of Wise I been using this Apps 4 months previous 3 months was good but now this month Wise show and deduct from me more than sanded to me. 
Here are the details with payments documents : I have sanded XXXX ) XXXX USD = XXXX XXXX XXXX I should get this amount ) which clearly show on transection but I received this XXXX XXXX XXXX less than I should receive ) 2 ) Service fee Wise show on transection : XXXX USD I should pay this amount but they deduct double = XXXX USD This is totally cheating and unfair Membership Number : XXXX Transaction Number # XXXX I am expecting a clear solution from Wise soon Thank you very much XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just made a XXXX dollar payment on this card and it had a credit limit of XXXX dollars shortly after i made payment they reduced credit limit to a XXXX dollars. I called transunion and they said there was no reason this should of taken place,, They are not using the proper yearly income also based on my tax returns. The bank also told me it was Transunion 's decision to lower my credit limit, i have a credit score of XXXX and its been that way for years and i haven't been late on any payments on any of my cards or bills in years. My annual income isnt being used properly and after making a XXXX dollar payment and taking this action of lowering the amount i feel very violated by the bank.
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address
Product: Credit reporting or other personal consumer reports

Equifax has violated the FCRA, and Im aware The CFPB has filed a lawsuit against Equifax for this exact reasoning of me submitting a complaint today. Equifax has failed to properly conduct an investigation on disputed information on consumer reports. There was an Account XXXX XXXX BANK on my credit report which was removed on XXXX XXXX because this is an alleged debt, it wasnt accurately reporting, also the debt couldnt be verified. As of XX/XX/year> this account was added back to my consumer report without my knowledge or consent. I was not notified of this drastic change, also This is not the correct way for a reinsertion. Equifax didnt follow proper reinsertion procedures during the process to where its back on my credit report which is a violation of the FCRA XXXX According to section 611a the furnishers must certify that the information is accurate before they re-report the account to consumer report, Also if something has been deleted from a consumer report the credit agency have 5 days to alert the consumer of the reinsertion however I was not notified by phone or mail of the reinsertion which means Equifax has violated the FCRA.
Product: Mortgage

I have been receiving multiple pieces of mail every week to refinance my mortgage for years. Having recently paid off my mortgage, I am no longer in need of the service and I have started calling each company to have me removed from their mailing list. Most companies have stopped sending me mail, but one still persists - Blue Brick Financial, XXXX # XXXX, CO XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

called the company twice no change
Product: Debt collection

15 USC 1692c I've never done any business with this company. I don't know who they are. I've never signed a contract with this company before for anything. I never gave written or verbal permission to anyone to pass my information to this 3rd party that I've never heard of.
Product: Debt collection

In accordance with the Fair Credit Reporting ag 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
Product: Debt collection

This hospital debt ( see below ) keeps getting rolled over on my credit report. Debt collection agencies keep buying and selling this debt account. The result is this debt is being reported as a new debt on all three of my credit reports. Leaving it on my credit reports in perpetuity. It is my understanding a debt is supposed to be aged off a credit report after 7 and/or 10 years. I was admitted to the hospital.  I don't remember the exact year I was admitted. To the best of my recollection it was anywhere between the years of XX/XX/XXXX and XX/XX/XXXX. I would have to request the medical records to provide you the exact year. Which I am willing to do if necessary. Below you will find the latest information about this debt pulled from my credit reports. 

COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$600.00} 0 % paid off Loan Amount {$600.00} Contact XXXX XX/XX/XXXX Collection Department / Agency / Attorney XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX ( tel:XXXX )
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with a typical life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit document so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed with experian credit bureau and received a letter back in the main about this company  XXXX  saying return to sender. This has been since  XXXX    XXXX  ,2017
Product: Checking or savings account

On XXXX XXXX my bank Well Fargo wrongfully closed my account. I was accused of having unauthorized XXXX payments on the account even though there was legit XXXX from my mother and girlfriend. I called the bank and everyone told me different storys of why the account got shut down it was very unprofessional because why is everyone telling me something different. So I had my girlfriend and mother called their banks and there was no files claimed against me on there end. So Wells Fargo banks lied to me about the claims. I feel like they are racially profiling and thats not fair I work hard for my money and get up every morning to provide for myself family. They now have my funds on hold and wont release it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter pertains to the Equifax credit reporting agency. The problem is this - my credit file has been entirely deleted. It is not accessible by myself or other creditors, and it's been this way for the last 6 weeks or so. When I first discovered that pertinent information was missing from my file, I called Equifax to report it. Shortly after I called, my credit file was completed deleted - there was no information on it. I have repeatedly called Equifax about this problem and they continue to do nothing. I even called the corporate office and they told me that nothing could be done. Two days ago, I applied for a mortgage with a credit union and they've informed me that nothing came back from Equifax, that the file was blank.
Product: Bank account or service

I wrote a check and stub dated for the XXXX of XXXX, 2016 that was cashed yesterday, XXXX XXXX, 2016. This caused my bank account to go negative and I incurred bank fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate accounts that have been reported on my credit file. These accounts do not belong to me, and I have no knowledge of any actions or agreements related to them. The presence of these false entries is not only unfair, but also deeply concerning, as they misrepresent my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- Source RECEIVABLES M 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) iter reviewing my recent credit report, I have identified we following inquiries that I do not recognize or authorize Disputed Inquiry : 1. 
XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXXXX/XX/year>
Product: Debt collection

Kimball , Tirey & St. John LLP, has reported a {$4600.00} debt on my credit file and has been mailing letters to my family members and acquaintances with the amounts allegedly owed and to who on the letters, they are mass mailing my friends and relativeseven though I have not received any direct notification myself. This conduct is improper, harassing, and based on a debt that is not owed. The FDCPA prevents debt collectors from revealing the amount owed to anyone other than the debtor Imply that they are an attorney. Unfair, Deceptive, and Abusive Practices FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian XXXX & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters  below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXX XXXX XXXX, Last XXXX of XXXX # XXXX Account name : XXXXXXXX XXXX Last XXXX of XXXX # XXXX 15 U.S.C 1681 602 A. States i have a right to privacy.

15 U.S.C 1681 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: Credit card

My Bank of America unlimited cash rewards card ending in XXXX would not notify me I had a payment due. The card was being used by someone else and I was not aware, and it ran up my balance. I never received notifications. I am being paid back by this person but I wasnt using it and wasnt aware the balance was increasing due to no notifications and my app not allowing my login. I had to purchase a new phone to be able to access multiple apps. I paid my first payment and am clear until XX/XX/year> of this year. I am asking to have the late payments removed as I am current and currently paying off the balance now that I have access to a Bank of America app.