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

I applied as a driver for XXXX and XXXX, I waited the 7-15 days for my background check to come back and reviewed the contents, the report has a criminal record from XX/XX/XXXX on it from another state, I explained to XXXX that this information was inaccurate and started driving that was XX/XX/XXXX. On XX/XX/XXXX Checkr sent them another report ( unrequested this time ) and they suspended me from driving until they can investigate. Not only is this information inaccurate it is 25 years old and according to my rights should Not be reported at all regardless! These people are ruining lives without checking their facts and XXXX rejected me altogether based on their report. There is absolutely nothing else on my background report, not so much as a speeding ticket, so either that information belongs to someone else or I have been a saint for the last 26 years only either way this should not be on my report, and when I contacted Checkr they told me it would take an additional 30 days before they can resolve this, how am I supposed to live?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on Transunion its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.
Product: Vehicle loan or lease

I was having a difficult time paying my car payment with Westlake Financial. I called them on XX/XX/2023 to discuss the financial problems I was having to see if they could help me. The woman was very helpful. I asked if I could extend one payment to the end of my loan, in exchange for missing my XXXX payment. She said yes, that I just have to pay {$50.00} and she could do that. I paid the {$50.00}. She said I had to fill out a form that she would text me, which I did while I was on the phone with her. I thanked her and asked if there was anything else I needed to do, and she said I was all set. I got a few calls after that about a late payment, when I said I had set up the arrangement, they said it must not be reflecting yet. 

At that time I assumed my next payment due date was XX/XX/XXXX. Funds were tight. I wasn't able to make the XX/XX/XXXX payment, but was prepared to make it on XX/XX/XXXX, so that I didn't hit the 30 days passed due mark. 

On Sunday, XX/XX/XXXX at XXXX, a tow truck shows up and repossesses my car. I was shocked, because since I had done the payment arrangement I wasn't even 30 days past due. I called Westlake right away, and the rep on the phone actually laughed at me, and said I can't make payments whenever I want, in regards to the {$50.00} payment. I told him it was a payment arrangement, and he laughed at me again. 

I owed {$440.00} to get my car back, which I paid. I missed XXXX days of work, and had to get a cab to go pick up my car. I was upset. I called Westlake the day after I got my car back, and asked why it was repossessed when I had the payment arrangement. After speaking with a supervisor it was determined that the woman who processed my payment arrangement, didn't finalize it, which is why the car was repossessed. Within a week they had reversed the repo fees. She said they would look into forgiving a payment, due to the lost wages, time, and inconvenience of the whole situation. 

They did reverse the repo fees ( which never should have been on there ). But they never properly processed the payment arrangement at all, so I ended up getting a 30 day late payment ding on my credit report. And they never made any kind of effort to compensate me for the lost wages, the cab, or anything else. 

I called for the last time today, XX/XX/XXXX, to see if there was an update. And the supervisor said they don't offer anything for mistakes. And I should just make sure i make my payments. 

I'm frustrated. I've never had a lending company be so awful, unforgiving, and threatening. Today they actually told me they can repo the car anytime they want, even if it's a day late. This company is predatory and doesn't own up to their mistakes. I don't think it's unreasonable to ask them to forgive XXXX payment ( {$220.00} ) in exchange for 2 days of lost wages, and the cab fee. They should reimburse me for all of that due to their error, but I know they won't. 

Please help me to ensure this predatory behavior doesn't happen to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified of this debt. They did not supply me with my wet ink signature contract validating the debt. Have not supported proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 715 791 I may presume that no proof of the alleged debt nor therefore it any such debt in fact exists. Therefore, this account is fraudulent and inaccurate. It should be not on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my 2 grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX  1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to validate the account XXXX on my credit report. Despite submitting a dispute and requesting verification over XXXX  days ago, XXXX has not provided the legally required documentation within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). This failure to validate and continued inaccurate reporting has negatively impacted my credit profile, causing financial harm and emotional distress. 

Specific Violations Failure to Validate Debt Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires credit furnishers to verify disputed information within XXXX  days. XXXX failed to provide proof of the account 's validity within this timeframe. 
Impact : Continued reporting of this unverified account damages my XXXX XXXX and limits my access to credit opportunities. 
Failure to Ensure Accurate Reporting Violation : FCRA XXXX ( b ) Obligation to maintain maximum possible accuracy. XXXX has reported information that can not be verified, violating this requirement. 
Impact : Inaccurate reporting has resulted in higher interest rates, denials of credit, and financial hardship. 
Failure to Delete Unverified Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires that any disputed item that can not be verified within XXXX  days must be deleted from the credit report. XXXX  has not removed this account despite failing to provide verification. 
Impact : The accounts continued presence on my credit report has caused undue financial and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2007 a family from XXXX has had someone from your government agency put negative fraudulently things on my credit history ... .my positive loan history was just removed from my credit report that I had just gotten in the amount of XXXX dollars ... the capital one account for XXXX was never mines and they reported as a charge off and my credit score went down.this is so hurtful that people who work behind these government desk are allowed to do this to people for there personal recreation.I need my score corrected and this matter under full investigation at once .I have endured this too many years.. also incorrect fraudulently names where put on my other credit reports .. I can be reached at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I demand that you comply with the disputes letters that I have sent to you.
Product: Credit reporting or other personal consumer reports

Sent mutilple letter that last XXXX  months and I have not recieved the documents that Im asking for.
Product: Credit reporting or other personal consumer reports

I paid the full amount of {$190.00} to XXXX XXXX and the account is closed. They still managed to report my account as delinquent to Experian, Equifax, XXXX and XXXX XXXX. As a result my credit scores dropped by XXXX points. XXXX XXXX used a company called XXXX XXXX XXXX to file a false report to the credit bureaus. Also, Experian still has my score at XXXX even though I have paid off all my debts. Equifax, XXXX and even XXXX XXXX gave me a very good score for paying my debt. But not Experian. I do not have any confidence anymore in their credit reporting dduties. They also have the wrong information on file for me.
Product: Checking or savings account

NFCU DENIED FRAUD CLAIMS MADE BY INTERNARIONAL COMPANIES - I SENT THEM INFORMTION AND PROOF THAT THESE ARE FRAUDULENT - THEIR CREDIT CARD COMPANY APPROVED MY FRAUD CLAIMS I SENT IN FOR THE CREDIT CARD CHARGES MADE FROM THE SAME INTERNATIONAL COMPANIES. THEY SAY THAT MY FRAUD CLAIMS DONT MATCH THE CLAIMS- AND BECAUSE OF " HISTORY '' THEY HAVE CLOSED ACCOUNTS - CUT OFF MY DEBIT CARDS AND NOW HAVE ME IN COMPLETE FINANCIAL RUINS- THEY OWE ME MY MONEY - LETTING A COMPNAY TAKE OUT {$100.00} 49 TIMES IN ONCE DAY - I CANT MAKE MY BILL PAYMENTS AND NOW MY CREDIT IS DROPPING EVERYDAY - PLEASE MAKE THEM TAKE RESPOSIBILITY - FEDERAL LAW STATES THAT I AM ONLY RESPONSIBLE FOR {$50.00} IF I REPORTED IT - I DID REPORT IT AS SOON AS I NOTICED THE MONEY WAS GONE - INFACT XXXX I DID NOT EVEN REPORT THE FRAUD THAT TOOK PLACE IN XXXX BECAUSE I THOUGHT IT WAS TO LATE NFCU NEVER CALLED ME ABOUT THIS- THEY JUST DENIED THE CLAIMS - I CALLED EVERY SINGLE DAY TO TRY AND GET THEM TO LET ME TALK TO THE INVESTIGATOR AND THEY DENIED ME THE ABILITY TO DO SO
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the three credit bureaus. XXXX, Experian and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.
Product: Mortgage

Each month I pay extra principle money towards my mortgage in an attempt to pay it off sooner. Well Fargo is continuing to apply my extra principle payment to future months, instead of towards principle. Clearly this benefits Wells Fargo as it hampers my attempt to pay extra towards current principle. 

I have other mortgages with other banks, and they do not do this. To me, this seems like a shady practice by Wells Fargo, as it hampers my attempt to pay extra towards current principle. 

I have had contacted Wells Fargo multiple times on this, and demanded that the default option for excess funds should be to reduce principle. I should not have to call in every month to get this taken care of, since Wells Fargo is choosing the option that benefits their bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with TransUnion through arbitration
Product: Debt collection

XXXX AND Transunion have claimed account meets FCRS stands. Account clearly violates standards of accuracy as its not present on other reporting agencies. When Ive called to dispute incorrect account I have been treated with racist side remarks, spoken over and told I was wrong on multiple occasions. When Ive submitted my accurate credit report its been ignored. Its not obvious that company has a preconceived idea toward minorities and how they feel about resolving issues as even when presented with updated information they refuse to resolve issues
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

The bank service does not work anywhere. It did not work work woth XXXX  and now avail
Product: Checking or savings account

On XX/XX/XXXX my stimulus check of {$600.00} was deposited to my account. Chime kept all of it for for a negative balance I have. A tax refund check of {$3700.00} came back as returned for some reason so thats why my account is negative. Also, I have {$1600.00} in Savings that Im not able to access. From my understanding, the IRS prevents banks and debt collectors from taking the 2nd stimulus check. I sent them numerous emails asking if they will compromise with me and let me make payments or even just take half the stimulus and half my savings. The only responses I get totally avoiud my question. I need intervention with this please. I desperately need my money for what it was intended for.
Product: Checking or savings account

I opened an checking account in BMO Harris bank online on XX/XX/2023 and it asked for all documents and selfies during the process of opening the account and let me create a online user account, add my other bank account and let me to transfer the funds. The funds were also deposited on XX/XX/2023 in my BMO account but I'm unable to login, so I called the CSR and they say I need to send the sensitive documents like ssn, and driver license to a email ID. This is the worst thing that a bank can ask its customer after letting the customer open, fund and have an online account. Why would I send my docs again that too to an email ID, which is the worst thing you can do with respect to security and identity theft. I asked them to close my account and return the deposit as check, but they said I still need to send the docs over email otherwise nothing can be done. This is so ridiculous and I learned my lesson about why you should not do banking with small banks and also when they don't have branches near you. I'll report to FTC and XXXX  and see what solution I can find.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

During the month of XX/XX/2024, LVNV Funding LLC reported a collection account on my Consumer reports. Upon my own Investigation LVNV Funding LLC does not have the legal right to take debt collection in my resident state of Delaware. LVNV Funding LLC is exhibiting abusive debt collection practices and blatant fraud for trying and reporting that they are attempting to collect a debt from me while being a resident of Delaware.
Product: Debt collection

On XXXX XXXX XXXX I received a validation packet from MDS with procedures and amounts listed. I asked this company to validate my debts, but not to violate HIPAA I do not know the people that work at this company nor do I sign a HIPAA form giving this company permission to send me my medical XXXX on the dates of service I requested. 
This is a direct violation of HIPAA. 

On XX/XX/XXXX they have decided to send this information to me again, after i contacted them advised them they violated HIPAA, and to remove these debts off my credit. They put it off on the original creditor who is XXXX, but XXXX did not send me anything directly this packet came from MDS
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. These fraudulent accounts consist of a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a rental apartment/lease account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX on XX/XX/XXXX, a personal mobile phone account opened with XXXX on XX/XX/XXXX, a personal utility cable account opened with XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, and with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

Equifax is delaying the removal of fraudulent information from my credit report, even after I submitted an FTC report proving the information was fraudulent. When I contacted their representative, I was told that I filled out the report incorrectly, but they refused to explain what was wrong. I used the exact same FTC report to successfully remove the fraudulent inquiry from my other XXXX credit reports without any issues!
Product: Debt collection

Have received repeated calls from the number XXXX between XX/XX/XXXX and XX/XX/XXXX, often multiple days in a row, supposedly from XXXX XXXX of Diversified Adjustment Service. One time a message was left after a 4 second pause of silence, leading me to believe a robocall was used. I am unaware of any debt that would be in my name, and my number is my work cell phone that to my knowledge is unlisted. Full text of the voicemail included below. 

" This is XXXX XXXX calling from Diversified Adjustment Service. Please contact me at XXXX ''