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

I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/23 @ XXXXXXXX XXXX  STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXXXXXX XXXX XXXXXXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

I set up a payment plan with Capital One, and went online yesterday XX/XX/XXXX to pay an agreed upon amount. I noticed I was charged a late fee. I chatted with an agent who told me that while a payment plan is in place fees can still be charged. 

I paid the amount agreed today and tried to get them to agree to not charge fees for the two month period it will take me to bring the account current. The agent would not agree and the agent then said that they couldn't agree to the payment plan, which certainly means they will charge me more late fees. 

I am unemployed, a single mom, and waited 8 weeks for my unemployment back payments to come through. I am trying to catch up as best I can but I will never get out of debt if I am continuing to have to pay late fees and extra interest.
Product: Vehicle loan or lease

I accepted a loan from Santander Consumer USA for a car loan on a used XXXX XXXX XXXX at the end of 2021.The ticket price was roughly {$17000.00}. The loan interest was extremely high, over 21 %. I was told by the sales associate at XXXX XXXX I would be able to refinance the loan in a few months after making some on time payments. When I went to go refinance said loan, they said my car had depreciated too much and I was not eligible for refinance. My current payoff amount as of today, XX/XX/XXXX is {$19000.00} which is more than the vehicle was worth at time of purchase 3 years ago! I can not fathom how I am now paying almost 3x as much as the car was worth when I bought it just in the interest payments with no financial options to negotiate a new loan agreement with a lower insterest rate. This can't be legal, and if it is something needs to change. I can't even use my car as a trade in because the XXXX XXXX XXXX trade in value is only $ XXXX which means I'd still owe $ XXXX! Can anything be done to help me litigate this with my loan servicer?
Product: Money transfer, virtual currency, or money service

My cash app account was drained, along with the bitcoin I purchased though the application
Product: Credit reporting, credit repair services, 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 name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : ARS # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX violated/violating 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 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 or other personal consumer reports

- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX -New XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX - Old - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXXOld - Email : XXXX - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXX XXXX XXXX account XXXX Reported : XXXX XXXX, 2024 - {$240.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I also dispute the multiple different open and closed dates reported on my credit report for this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 

Furthermore, I dispute the validity of the debt being collected by XXXX XXXX XXXX XXXX. As a third-party debt collector, they have failed to provide me with a wet signature or the original contract, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

I invoke the following consumer laws to support my request XXXX XXXX. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that CRAs ensure the accuracy and completeness of the information reported. 
XXXX. XXXX15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate. 
XXXX. XXXX15 U.S.C . 1681i_ : This law prohibits the reporting of inaccurate or incomplete information, including multiple different open and closed dates. 
XXXX. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. 
XXXX. XXXX15 U.S.C . 1692g_ : This law requires debt collectors to provide consumers with a validation notice, which includes the amount of the debt, the name of the creditor, and a statement indicating that the debt will be assumed valid unless disputed within XXXX  days. 
XXXX. _Truth in Lending Act ( TILA ), 15 U.S.C . 1601 et seq._ : This law requires creditors to provide consumers with clear and conspicuous disclosures regarding credit transactions. 
XXXX. XXXX15 U.S.C . 1638_ : This law requires creditors to provide consumers with a copy of the credit agreement, which includes the terms and conditions of the credit transaction.
Product: Debt collection

On XX/XX/XXXX, I ran 2 of my free annual credit reports. One with TransUnion ( TU ), and one with XXXX There were 2 derogatory accounts that came up on my credit reports. I sent electronic disputes to both credit bureau companies, stating these are not my accounts. And that I have a son with the same name. TransUnion 's investigation has come back XX/XX/XXXX, stating one account has been deleted, and the other account, XXXX XXXX came back " verified as accurate ''. This is not my account. It is my son 's account, who has the same name. I have a consumer statement on all 3 credit bureau companies that has been on there for years, since my son became an adult, stating I have a son with the same name and to always verify us by SS #, and Date of Birth ( DOB ), before extending any new credit, or putting any derogatory information on my credit report. Even though this consumer statement has been on my credit reports for years, these same problems continue to happen where I have to dispute accounts that belong to my son, that ends up on my credit report over and over. Usually, the derogatory accounts are removed by the credit bureau companies, once I file a dispute, however TRANSUNION has stated, after their investigation that this one account with XXXX XXXX is " verified as accurate '', and remains on my credit report. This is an error, it is wrong, and not accurate. If TransUnion had requested XXXX XXXX to provide proof of SS # & DOB, as well as a Promissory Note with a signature, they will find that this is not my account. My son did live at my address, off and on until XX/XX/XXXX. Therefore, the facts are we have the same name and have also had the same address only. I have done all I can do, to my knowledge to keep this from continuing to happen, wrong information being put on my credit report. It is very stressful and frustrating, and time consuming. 
I am filing a complaint against BOTH, TransUnion and the collection agency, XXXX XXXX, because, even with the alert on my credit reports, this continues to happen where my son 's derogatory credit is put on my credit report, having a negative impact on my credit and credit scores, and taking up a lot of my time trying to get it removed. Please request that TransUnion thoroughly do an investigation again, and this time, request XXXX XXXX to provide proof to show who the account belongs to such as a Promissory Note with a signature, Date of Birth ( DOB ), AND the Social Security Number. Then, they will find that the true fact, that this account is not my account, and therefore, remove it from my credit report as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to open up a checking account with XXXX XXXX ID : XXXX, and was denied by Early Warning Services , LLC. I shouldnt have any adverse information on my consumer report with Early Warning Services. Early Warning Services is reporting inaccurate information on my credit report, and I am not able to open up a checking account. I have sent numerous letters to Early Warning Services in regards to this matter, and hasnt received any response from Early Warning Services. Early Warning Services is  using racist and discriminatory practices against me due to me being XXXX ( XXXX ). Its unlawful for Early Warning Services to be using discriminatory practices against me and reporting inaccurate information on my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments l 've attached a copy of my report to this complaint on the following dates [ insert date ] ( Always add month and year ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. Thank you for your understanding and Prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$390.00}
Product: Money transfer, virtual currency, or money service

XXXX was structured in such a way that mistakes in sending money were just money lost and no way to rectify it.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that there are entries that I believe were included without my written consent. 

According to the FCRA, a consumer reporting agency may not furnish a consumers information to third parties without obtaining prior written consent. I have not provided any written authorization allowing you to obtain or furnish my information, which raises concerns regarding the legitimacy of this data on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The High Credit is reporting different on each credit bureau TransUnion shows {$1000.00}. XXXX  shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. TransUnion Shows XX/XX/XXXX. XXXX  shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Product: Debt collection

Sent me mail claiming I owe the company I never contracted with. 
Violated my right to privacy
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding from XXXX XXXX for {$750.00}. Someone has opened this account with my information because this wasnt authorized by myself. The date on my credit report says XX/XX/2022. My information has been stolen/lost in the past so this has to be a reason why I have accounts open in my name.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 
The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Late payments incorrectly reported between XXXXXXXX  XXXX  late payments incorrectly reported XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, As a consumer by law these accounts in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and DELETED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is to old to be on my credit report. This was from 2015. XXXX has been kind enough to remove the account but its still shows on my other two reports as well as them reporting missed payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed another certified letter ( XXXX XXXX, USPS Tracking # XXXX / XXXX ) requesting the removal of incorrect and outdated information from my consumer report, including alias names, phone numbers, employment history, former addresses, Social Security numbers, and date of birth. These requests were in compliance with my rights under the FCRA and aimed to ensure the accuracy and privacy of my personal information. 

Experians Non-Compliance Despite my detailed and lawful requests, Experian failed to take the necessary steps to investigate, verify, and update my consumer report within the required timeframe. On XX/XX/year>, I obtained a consumer report from Experian ( XXXX XXXX Report # XXXX ), which still contained seven incorrect names and an extra addressee. Experian 's failure to remove these inaccuracies constitutes 24 violations, as each instance implicates four FCRA provisions.
Product: Checking or savings account

wellsfargo over charged me on overdraft fee. and credit cards
Product: Checking or savings account

I received a notification early that day that my password was changed, when I called to ask what was changed on my account they stated they didnt see anything changed. 
Later that night I got a notification that {$500.00} was withdrawn from my account at a ATM in another state. 
I called to report fraud on my card and they stated it would be under investigation and I would have to wait 10 business days. Who has 10 business days to wait when bills are due and you have XXXX kids to take care of? Bills dont wait when fraud happens. 
I asked how did they not see that anything was changed on my account and for someone to be able to withdraw that much from my account. They did not have an answer. Also I have the physical card on me, my cards were both locked. The lady said something about my virtual card was used, how?!! It says on the site I need the physical card to withdraw from an ATM. 
I myself am not even able to withdraw {$500.00} from an ATM, my maximum is {$200.00}. I dont see how they did not notice that was a fraud transaction when it was in a whole other state. I am located in Wisconsin, this transaction was in Michigan. 
Also they should have denied the transaction if it was a huge amount and fraud was a probability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.
Product: Credit reporting or other personal consumer reports

Dear XXXX Dispute Resolution Team, I am writing to dispute the collection account associated with my credit report, as reported by XXXX XXXX XXXX, regarding an alleged debt to XXXX XXXX XXXX  The account details are as follows : Account Owner : Individual Account Date Reported : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Agency : XXXX  XXXX XXXX Delinquency Date : [ Not Provided ] Balance Owed : {$1100.00} Comments : Consumer Disputes This Account Information Balance Date : XX/XX/XXXX Date of First Delinquency : [ Not Provided ] Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX I dispute this account on the grounds that it is not mine, and it appears to be the result of fraudulent activity. Upon reviewing the information provided by the reporting agency, there is no evidence of my social security number associated with the contract, nor is there a wet signature that matches mine. This leads me to believe that my personal information has been used fraudulently to open this account.

I request a thorough investigation into this matter to verify the authenticity of the debt and to ensure the removal of this inaccurate information from my credit report. I am prepared to provide any necessary documentation or evidence to support my claim.

Please treat this matter with the utmost urgency, as it has serious implications for my financial well-being. I look forward to receiving confirmation of the dispute and resolution within the designated timeframe.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX