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

XXXX continues to inquire dispute inquiries, reporting onto my credit report but they are taking longer than usual, ive been waiting to apply for a home loan as well establish business credit. 
experian has so many inaccurate information thats not up to date, hurtingh me from gaining credit. 
i have called creditors they have no information available in their system, i have addresses phone numbers, hard inquiries that are someone else 's or likely fraudulent, i have several addresses phone numbers, names that are not mine, i am not them. 
over the years the scammers have been more creative and illusive adding their personal addresses and cell numbers XXXX, experian, XXXX, XXXX  information gathering is a disservice to consumers as these creditors above are holding onto several inadequate information
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XX/XX/2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with  XXXX  to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.
Product: Mortgage

In receipt of the latest correspondence and again duplication of the same information WFHM continues to send in response to my submissions to the CFPB. XXXX XXXX sent the latest outline of her findings, in which she states that we 've carefully research these matters and are providing you with an update on our research. It 's as follows : 1 ) Communication within WF 2 ) Requests for compensation for late fees 3 ) WF commitment to customers 4 ) Payment history 5 ) Chapter XXXX bankruptcy reaffirmation 6 ) Credit Reporting 7 ) Status of account 8 ) Written communication only 9 ) Savings account concerns She ( XXXX XXXX XXXX, further states, we previously responded to ( most ) of the above concerns in the past, we are providing this response in summary of all information requested in lieu of a letter indicating all of the prior enclosures, per your request. 
These are generated and recycled responses and made with no documentation attached, which I have received since holding the loan. My goal is for WFHM to produce to the CFPB written documentation ( clear and concise ), detailing my correct payment history that corresponds with my attached bank statements and written documentation sent to XXXX XXXX and the NC courts detailing reaffirmation. This details my request to CFPB ; 1 ) Written documentation of my correct payment history 2 ) Written documentation of reaffirmation sent to XXXX Law Office/NC Courts 3 ) Written documentation of reporting my mortgage to all credit bureaus 4 ) Written documentation of money taken from the savings account prior to closing 5 ) Written documentation of WFHM grace period policy 6 ) Written documentation of how my cash payments were applied when I personally walked into the WF branches and made payments ( time stamps, dates, persons whom processed the payments, etc. ) 7 ) Written documentation and assurance that no accounts were opened in my name 8 ) Written documentation of any interest gained on the money WFHM accrued while holding funds and not applying them directly to my mortgage It is my hope that I have clearly and concisely outlined any and all concerns of requests the CFPB and myself would like answered.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Incorrect Address : - 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 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: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then the account nas repeatediv been uodated as charded off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect nas violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX
Product: Vehicle loan or lease

XX/XX/2020 bought a hyundai XXXX from Hyundai XXXX XXXX pushed me into buying car that they never let me test drive stating your age you cant drive this car because youre XXXX which is nonsense I just needed a car and was dedicated to buying a car but they said I could test drive it once i came back and when i came back they basically gave me a pen sign contract give me down payment we request and youre on your way also by over promising things that will be included made me buy warranties I didnt need nor want without giving me a chance to say no asked for downpayment meanwhile took a loan out for more than out the door price they gave me when I saw contract guy said dont worry that isnt what your paying for meanwhile took advantage because ut was my first car bought.
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card. A letter was sent to let me know the reason for the denial. I have a credit rating of XXXX and the reasons did not make sense. I immediately called them and to make a long story short, I did not anywhere with the bank bureaucracy. I wasted close to two ( 2 ) hours total with nothing done. There is something wrong and I hope you can help me get to the bottom of it. The irony, they offer a toll free number to call so the rating can be improved. See letter attached. There were also some comments that I reserve myself for future need.
Product: Vehicle loan or lease

Statement of facts I performed a credit transaction with Santander consumer USA XX/XX/2019. I notice that there was a loan application with SANTANDER CONSUMER USA which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to SANTANDER CONSUMER USA stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay { {$2000.00} }. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; SANTANDER CONSUMER USA failed to inform me of my federally protected right to terminate my credit transaction according to 15 USC 1635 Right of rescission with regulations stated under 12 CFR 226.15, 12 1026.23 RIGHT TO RESCISSION. After reaching out to SANTANDER CONSUMER USA they expressed to me the consumer natural person I didnt have the right to terminate my contract by any means in the state of Texas XXXX Implementing my federal rights were no longer protected, yet somehow SANTANDER CONSUMER USA still operated under TILA. According to the law violating these terms results in a fine DOUBLE the finance charge. This complaint will be forwarded to the correct department federally and locally.
Product: Credit card or prepaid card

Hi- I have a Wells Fargo XXXX XXXX rewards card and under the card 's rewards program, every time you earn XXXX  points ( i.e., spend {$500.00} with the card ), you get a " stamp. '' After accumulating 10 stamps, you get a {$110.00} credit for a room night at a hotel on XXXX that accepts these stamps. The problem is this, while the credit card statement Wells Fargo issues includes the number of stamps you've earned in the current cycle, it does not include any points information. For example, if you spend {$200.00} in a cycle and have earned XXXX  points, that information does not appear on the statement. You have to track it yourself, which makes it easy for Wells Fargo to mistakenly ( or purposely ) fail to issue the correct number of points and stamps. I spoke with a Wells Fargo representative and they told me there was nothing they can do about this. Is this something the CFPB can resolve with Wells Fargo? Please advise, thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX. I opened an additional account with Bank of America on XX/XX/2022, and set up direct deposit from XXXX XXXX XXXX XXXX On XX/XX/2022 my employer sent my funds to account ending in XXXX. The bank have not released my funds in the amount of XXXX. My child and I need medicine and much needed supplies, do to me having covid. Also, I asked for a regular checking and they gave me a different checking acct. Which they didn't explain anything about the new product.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX its show XXXX days late I traded my car in to XXXX XXXX XXXX in XXXX XXXX and they made they paid my remaining balance off late I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax. A charged off closed XXXX XXXX account was re-aged and updated with late payments on closed accounts. 

They have failed to remove derogatory late payments posted in XX/XX/XXXX, that can not be added to a closed account that was closed and charged off in XXXX. Several disputes and they never change anything, but say they did. They send identical credit reports with no changes whatsoever. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

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

I have been checking my credit for the last couple of months. It seems that my credit is only going down. I would say it is me, but my wife has the same info on her credit and hers keeps going up. I also have noticed no update for XXXX is happening. When I try to use Experian boost I have the following problem : it connects to my bank, credit card and savings. Then it says it's taking too long and stops. When I go to the dashboard it shows all 3 accounts connected but no bills. I know I have bills that count because my wife uses those same 3 accounts and they appear on her dashboard and raised her credit. I have waited for weeks for boost to find the account but it always tells me the same thing. Disconnect and reconnect the accounts this does not work. I have tried on many occasions. When I go to the help center there are no subjects on actual help for any of the problems I have. The information is generic and refers you to customer service. When I call customer service, the prompts only have the same information as the help center. So, the natural path is to ask for a representative. The automated system, no matter what you push, tells you you can not speak to someone, go to the help center and hangs up. I don't know what kind of game this company is playing at. If you are one of only 3 companies that people are forced to use, you should be more helpful. Shame on you.
Product: Debt collection

XXXX XXXX XXXX is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.
Product: Credit reporting or other personal consumer reports

I have been unable to pull my Equifax credit report through XXXX and through the Equifax.com website for nearly a year. Prior to this, I was unable to pull my report in 2023 when I was in the process of applying for a mortgage. I was able to pull my report with the other 2 bureaus.

I am able to pull 2 credit reports through XXXX but when I try to retrieve my Equifax report it says, " we have experienced an issue with your request ''. I do not have my file on a freeze or locked with Equifax. 
I have tried calling Equifax customer service and provided the code that the website was displaying to give to the agent ( BLNK ) and he stated that it stands for " Blank '' and that he had to submit an escalated ticket to a technical team that would reach out in 2-3 days. I have not been contacted and have been told before that I would hear back but I never do. I am wanting to apply for a loan again and I am unable to because my Equifax report is unavailable to me! 
I have never had this problem with XXXX and XXXX, it is always Equifax. I call their customer service and verify my information and am always thrown in circles.
Product: Payday loan, title loan, or personal loan

Goodleap has been using fraudulent lending practices. The companies that they partner with, specifically solar loan companies, are using misleading sales tactics to get customers into loans. During the process of applying for our loan, the only information collected was a basic idea of income and a credit check. No pay stubs were acquired and a bait and switch was used during the signing process. We were showed an approval with specific payment details and when we received our final paperwork- the amounts were different. We did not realize this until recently when going through all of our contacts for the solar company and Goodleap. Goodleap was aware that this company was promising customers that they would save hundreds of dollars and become independent from the electrical grid of their electric companies. This was not true- instead customers are left with the same electric bills and now a loan bill for a solar system that does not work. Our home went with a system that was not functioning for 6 months. It was " fixed '' and is again not functioning. We asked Goodleap for help in getting this issue resolved since our solar company shut down/filed bankruptcy. They've " escalated '' this issue twice in 2 weeks and we've still had no one respond to us. In the meantime though- they've been sending harrassing emails to us asking for payment. We are at this point less than 10 days late on our payment. We've made them aware we will not be making payment until this issue is resolved with our system. It is unfair for us to continue to make payments on a system that is not working. Especially when they're aware of the issue. In addition to this- they've used tactics previously of sending people to our home to intimidate us into making payment. The person who showed up said you're past due and we need photos of your system in the event we need to lock them. No legitimate loan company would use tactics like this. They would not send someone in person to intimidate you into making payment- and they would not send 10 emails a day sometimes asking why payment isn't due. Threatening to shut your system off when you're a day late. Customers, including us- know our Holder Law rights. We will seek counsel if need be.
Product: Credit card or prepaid card

Hello I am extremely concerned about a closure of my accounts from Chase. I am not sure if this is a mistake or some misunderstanding but I am very confused to what exactly is happening. On Friday XX/XX/XXXX I went to purchase XXXX medications for my parents and I was unable to make this purchase. I called chase and after 2 hours on the phone I was told that my accounts were closed due to some concerns the back-office had on their end. I was not called about this, I was not given any notification of the closure, nor was I told why this was happening. 

Let me state that I never ever missed a payment on any of my cards and paid these accounts in full. My credit report will show no delinquent payments ever on any of my cards. I was initially confused by the closure however I have reason to believe that Chase may have acted inappropriately and illegally in this manner. The week prior to the closure ( XX/XX/XXXX ) I informed chase that I would be buying gifts for friends and family for XXXX. I did my due diligence and informed Chase was informed of this uptick. Most of my spending was done at the local mall, XXXX, and XXXX XXXX XXXX  XXXX. Less than 6 days after this phone call all my accounts were closed. I had made no other contact with the bank, my purchases were in-line with my normal spend pattern, and chase had no reason to suspect any illegal/suspicious activity ( since I had told them what I was buying ). The only new information chase had at this time was my religious affiliation. 

I called up and down chase 's telephone tree and recieve no concrete response as to why. On XX/XX/XXXX I  called the compliance office and I was told by an individual named XXXX XXXX that " Chase is a multi-million dollar corporation and we dont make mistakes '' Wow! He refused to look into what happened and refused to transfer me to a supervisor. I learned today that this is the same department that went through with the closure. If this is the level of disdain an individual is working in the regulatory department at the bank, what guarantees does anyone have that laws have not been broken? I offered chase a criminal background check for work and offered to show ability to pay - however they refuse to change their decision or even conduct a proper review. Chase records these calls at all times. 

I do believe this is a violation of Equal Credit Opportunity Act. Let me also add that chase refuses to provide additional information into the closure - simply stating that they have the right to close an account at any time and do not have to provide a reason why. This doesnt hold true if laws are being broken. Let me also add that chase has been accused of predatory practices to minorities in the past as early as this year. https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had hard inquiries that were not made by me on my credit report. They were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had no knowledge of these inquiries. 

XXXX
Product: Debt collection

This account has yet to be validated. I do not, nor have I ever had a contractual agreement with " Westlake Portfolio Management ''. In addition to this issue, there are multiple discrepancies, conflicting and inaccurate information being reported on this " charged off account / collection '', to both my XXXX and XXXX credit reports. This includes the fact that they are reporting an active payment history while there is no contract between us, therefore making it impossible to have a reported payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original CFPB Complaint # XXXX - NOT RESOLVED. 

Please understand that this complaint is about Equifax violating the FCRA 605B - which clearly states, " if Credit Bureau is presented a valid POLICE REPORT, they must block the fraudulent information immediately within 1 to 5 days. ) They are IGNORING this and just doing a 30 days dispute. 

There are several complaints online from other consumers who get taken advantage from Equifax and their internal decisions. 

FCRA 605 B is very clear. I am asking for the CFPB to let Equifax know that you are aware of the violation and for them to just follow the law.