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

The vehicle has been deemed a total loss and the insurance company has sent them a check to payoff the vehicle. They still have not updated the account and I continue to still pay. I cant get in touch with anyone from the company as to how long it is going to take the check to clear.
Product: Credit card

there are several credit cards on my XXXX report that are not mine. please have them delete it off. the accounts are XXXX, discover bank, XXXX  XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.
Product: Credit card

My name is XXXX XXXX and my XXXX and wallet was stolen. I had a Apple Card issued by Goldman Sachs someone used my card fraudulently on XXXX XXXX for XXXX this amount was charged twice and only refunded once. Apple kept putting the charge back on my account then closed my account after I kept disputing the charge.
Product: Student loan

I need my loans to come out of consolidation. I did the direct loan consolidation because it would update my payment count on all of my loans. I have two loans at XXXX and one loan at XXXX. On XX/XX/30 my counts will update to include forbearance as well as switch to Department of Ed. If the consolidation doesn't happen by then, I wont have an opportunity to update the payment count on the XXXX loan because the other 2 will be forgiven ( I was told the two that are XXXX have forbearance periods that will get added ). Please, please, please process my consolidation. Student Aid said its just waiting on Mohela to process it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} Account : XXXX XXXX accounts XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX I Originally creditor XXXX XXXX Balance {$230.00} 15 USC 1681 section 602 A. states I have a 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 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my XXXX  and Equifax reports took a hit of 10 points without good cause or reason. On XX/XX/2019 my XXXX and Equifax reports took another hit of 90 points with out good cause or reason. My credit was at XXXX and now it is at XXXX. There appears to be a computer calculation or clerical error. It may seem like these are duplicate complaints but the egrigious mistakes continue to happen causing negative results on my credit. This will cost me money in the end which could lead to my filing a civil lawsuit against the culorits involved. I am a XXXX veteran and i suffer from XXXX. These egrigious errors are causing me a lot of unneccessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mt. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in XX/XX/2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Product: Mortgage

I inherited my parents home after the death of my father and step-mother. My goal is to keep my home and avoid foreclosure. The mortgage on the home is in my father 's name, and is serviced by SPS, owned by XXXX XXXX. The property has transferred into my name with a Quit Deed, and I have a letter of authority & success in interest from the estate. I would like to assume the loan, and receive a modification to help the loan remain affordable, as I have a had a loss of income. 

The current servicer, SPS, has denied my request for a modification and assumption of the mortgage on my home mortgage. I have applied multiple times for a modification. I most recently applied starting in XXXX. Between XXXX and XX/XX/XXXX, SPS requested duplicate documents several times, and each time I submitted the documents requested. 

On XX/XX/XXXX, SPS sent me a letter that they were reviewing my complete modification application. On XX/XX/XXXX, I received a letter stating that my modification application had been denied due to " investor/guarantor Not Participating. '' This is the second time I have received a denial with the same reason given. The first denial was received XX/XX/XXXX. During the time between XX/XX/XXXX and XX/XX/XXXX I was being asked to repeatedly submit documents and applications.
Product: Checking or savings account

I opened an account with Wells Fargo bank a savings account and checking account i have multiple direct deposits going into each account. My problem is this every single time i attempt yo use my debit card with this company the transaction is declined i then have to step out of line ask cashier to hold my order or items while i go through the entire process of calling Wells Fargo answering a bunch of identifying w was yestiond then have to answer a slew of question about my recent transactions. Now mind you all a supposed their would have to do is listen to the teller on phone and every transaction she or he asks XXXX or her about they would just have to say yes i made this transaction do its really a stupid  procedure anyways. But the even worse part of the whole ordeal is Wells Fargo charges you for the declined charges in multiple quantities for instance i was dhopping at XXXX in XXXX and ended up swiping my debit card seven plus times each of those times i was declined even though i actually had money in my account as i just had my tax refund deposited into my account so each swipe was declined so finally i called went through the whole song and dance that Wells Fargo foes and after answering multiple questions and performing code retrieval from them texting md codes my card went through findd as XXXX but when i look onlinee XXXX in my transaction log it says i made seven purchases at XXXX for XXXX. This has to stop same thing happened with my cable payment Wells Fargo would not allow my husband to deposit cash into my account because he is not on my account he had to deposit a money order well the bank held. Y money order for twenty four hours so it never posted until after twenty four hours do each attempt to pay my ca le bill was declined then when it was finally accepted the bank charged me numerous times in my transaction log causing chaos on my account then my cable company decided to take the payment as an attempted e check and redeposited it in their account in the amount ofXXXX it is still being withheld from me i need this money back i need this constant decking my card in public and embarrassing me to death to stop all i wanted was a normal banking system not this this is torture and super embarrassing because Im declined in long lines behind me of people that just want to get home
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute against TRANSUNION for unfair and inaccurate credit reporting for an unvalidated XXXX XXXX XXXX Credit Card Charge Off/Other Derogatory account with a balance of {$4200.00}. I have made several attempts to resolve the matter with All In XXXX and TRANSUNION. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on XXXX : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from XXXX XXXXXXXX XXXX by certified mail and did not receive a response. I am disputing inaccurate and incorrect information on the account. The account is reporting as Charge Off but does not have any payment history reporting to support delinquency on credit report therefore payments made on time, late payments, and C/O status is unknown and can not be reported as Charged off as bad debt. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. They need to be held of violation of the consumer 's law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Merchant Medical once in XX/XX/2020, and again in XX/XX/2020 to have XXXX XXXX taken off my credit report because the debt was paid.I still have the debt on my credit report.I contacted XXXX XXXX and they say I owe nothing. Merchant Medical is ignoring this imformation, and continuing to ruin my credit.
Product: Money transfer, virtual currency, or money service

Someone sent a payment using Zelle but the payment was then cancelled and i didnt receive it and so Its fraud
Product: Mortgage

-- XX/XX/XXXX - asked to obtain a note from my manager to " prove '' I could work from home. Employment verification was completed but I received 3 requests to get a " note from my manager ''. 
-- XXXX - asked to get a document from the City of XXXX for a dect 6 years ago when I provided proof I'd paid the debt in full. 

-- XXXX - approved closed on the loan XX/XX/XXXX - closed on the loan but not sent my cash out checks not received nor a notice or option of how the cash out would be paid. Contacted Better to get clarity. 

-- XX/XX/XXXX - repeated requested the checks be sent made payable to me as the loan had been closed for 2 weeks and bills are due ; awaiting these funds -- XX/XX/XXXX - sent checks and made payable only to my debtors ; stated in loan disclosure form. Checks made out to my debtors with no way of debtor knowing I'm the payee. Payout checks are useless. 

-- XX/XX/XXXX - checks sent made payable to me and debtors ; banks refuse to deposit. Checks useless and loan funds have not been received to date. My debtors nor I have funds from loan closed on XXXX
Product: Credit reporting or other personal consumer reports

Lexisnexis is Bankruptcy public to my XXXX, XXXX and XXXX. And I have never done with them, nor did I gave them my written permission to report anything on my consumer report. According to 15 U.S. Code 1681b a ( 2 ) - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. For anything to be on my consumer report, I as the consumer must given written instruction to Lexisnexis. AND I DID NOT give them my written instruction. And I talk with the Bankruptcy court, and they don't report to any credit reporting agencies. So there is reason for bankruptcy to be showing on any of consumer reports from LexisNexis.
Product: Vehicle loan or lease

My husband XXXX XXXX and I, XXXX XXXX, both have auto leases with Chrsyler Capital, since we are both self employed, our businesses have both been impacted by the COVID situation since we are forced to close non essential businesses. My husband XXXX XXXX called to see what hardship options were available for his lease and was told they are providing two months deferment and he would receive an email to fill out. I called to receive the same option for my auto lease 30 minutes later and was transferred to the " assistance team ''. The agent I spoke with from the " assistance team '' had an attitude the entire time and initially offered a one month deferment, I explained to her that my husband had just called and said they were offering 2 months, she seemed very reluctant and said she would put it through and that I would receive an email in a day or two. 

Neither my husband or I ever received an email and on XX/XX/XXXX they took my automatic payment out of my account that is set up with their company. It was {$390.00} that I did not have to spare. We have XXXX children, can not receive unemployment, and don't qualify for any assistance. I also messaged them on XXXX messenger with the same information and they replied asking for my information, no one has called. My husband also called Friday the XXXX and told them he hadnt received the email and they said he would receive it by XX/XX/XXXX, he still hasn't received an email. 

I have included my account number ( XXXX XXXX ) in section 4 of this complaint. XXXX is XXXX XXXX account number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX have 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.

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

I actually have two problems with Synchrony. One is that they closed my XXXX card without any provocation and no balance on it. I opened it last year to be able to put undercoating on our cars and paid it off in full. That just reduced my credit line. 

Then there's my XXXX account. I paid off over {$6000.00} in charge on time. They then out of nowhere decide to decrease my limit from {$6000.00} to {$1200.00}. It has trashed my credit score. When I reached out to them, it was oh well. I am so disgusted I am trying to finish paying off the rest of my cards and never giving them another interest payment again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I went to the Experian Credit Report official website and went there to see about getting a credit report. First item on the website, it says " Get your Credit report and Fico score '' with a hot button to click. So I clicked it and signed in ( I had already requested a report from pervious years ). From there they gave me my FICO Score and Credit Report ; after that I did n't think of Experian any more. Until I got back from an extended trip abroad and reviewed my XXXX 2017 credit card statement, and found out that Experian was charging my account since XX/XX/XXXX a monthly fee of {$21.00}. I called up Experian, and expressed that I did not order their monthly service, I also told them they should check their records, and find that I had never signed onto their web site. They said they would cancel the account immediately and credit only the last months charged. I asked that they cancel all the months, I never ordered the service ; and they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DESGN REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a multi-dispute with Experian on correcting the error that is been reported on my credit report. Report number XXXX Report number XXXX Report Number XXXX Report Number XXXX. 

I have settled the debt with XXXX XXXX XXXX Account number XXXX with XXXX XXXX as of XX/XX/XXXX. 
Experian has failed to validate my claim thereby reporting a CHARGE OFF of my account from XX/XX/XXXX till date which has affected my overall credit score negatively. 

After getting some good news from CFPB and informing Experian of the outcome of the dispute I submitted Consumer Financial Protection Bureau ( Ref. No. XXXX ), Experian has still failed to update my account. 
I have uploaded proof on the experian.com/upload website and the customer care folks from Experian said they can find the upload. The whole system is flawed and the XXXX XXXX that is been perpetuated by Experian by the negative credit score reported monthly for 4 months is totally unfair.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to give my credit report because there is an open dispute. This is in violation of the Fair Credit Reporting Act. It is a violation of law. The company has every right to list the items in dispute, but to refuse a customer a copy of the credit report is a violation of the California Consumer Protection Act. Having something in dispute status is not a valid reason for Transunion to deny me my credit report. 
Under the Fair Credit Reporting Act : You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request. The attachment shows that they stated in writing why they did not allow me access to the report.