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

I am a new resident to XXXX XXXX and they require a copy of my original sale agreement/note/sales contract in order to register my car. On XX/XX/XXXX I called 5/3 Bank ( XXXX ) XXXX on XX/XX/XXXX and requested a copy of my sales agreement and was told it would be emailed 2 business days later and it was not. I then called again on XX/XX/XXXX and expressed the sense of urgency as it is causing me a financial hardship and I was told it would be faxed to me within 2 business days and emailed again within 2 business day, except they would request the fax on a rush. This did not happen. Again I called on XX/XX/XXXX and was told there was nothing they could do and that they would send it to their research department which would take another 2-3 BUSINESS days. The supervisor XXXX refused to escalate the matter and this is why I'm writing this complaint. This has caused me extreme duress and financial hardship as I can not register my car in DC and the VA tags have expired. This means I can XXXXot drive anywhere and I have to XXXX which is cost me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN # XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Last reported XX/XX/XXXX {$9300.00} Open balance 12 XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$2300.00} Open balance 12 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name12 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX   XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance 11 XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedXX/XX/XXXX ( 2 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

I opened an American Express CC co-branded with XXXX XXXX that offered XXXX elite night awards for applying for and getting the credit card. I was approved on XX/XX/year>. When I didnt see the award credits I called on XX/XX/XXXX both American Express and XXXX only to find out the my awards were rejected by XXXX because my name at American Express in listed as XXXX XXXX XXXX XXXX but at XXXX XXXX only showed XXXX XXXX so they rejected it even though the home addresses matched. On XX/XX/XXXX I was assured by American Express that the names now matched as they updated the name with XXXX. On XX/XX/XXXX I called XXXX to confirm the names matched and they said as of the XX/XX/XXXX everything was correct including my name, member number, address, phone number and email address. On XX/XX/XXXX I had still not received my award credits. I called Amex and they said they submitted my awards request on XX/XX/XXXX and their system did not show is was rejected or approved. According to the terms I agreed to in my application from Amex, they must award my nights within 60 days of approval.
Product: Checking or savings account

Hello, I recently opened a new savings account with Wells Fargo. I currently have 10 accounts with them. I opened this account online without issue. Several weeks later, via standard mail, I received a request for signatures for the account. With this correspondence from Wells Fargo that was sent via regular mail, it included my full name, full address, full social security number, full bank account numbers and full driver 's license number. The documentation they mailed me via uncertified, regular mail in a clearly marked 'Wells Fargo ' envelope, contained ALL of the information necessary to access my accounts or steal my identity. I was blown away to see this come through. This is completed unacceptable. Anyone could have accessed my mail box and obtained this information and caused major problems -- I could have lost my livlihood over the carelessness of Wells Fargo putting myself and my family at this kind of risk
Product: Mortgage

I had a securitization audit done on my property and there is a lot of fraud found. The service mortgager is not the original creditor and have not given me proof of claim under FDCPA under UCC Title 15 Section 1692 ( g ). They have not given me full disclosure..UCC section 3-2-4 they have nit provided the name and the signature of both, beneficiary of both beneficiaries and the original creditor must be disclosed in the same document. SHELLPOINT MORTGAGE SERVICING are claiming I owe them over XXXX  XXXX and has filed a complaint. They are not the Real Party of Interest and are committing Foreclosure Fraud. I will be be sending them a Intent to file a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

DiscoverCard is reporting to the credit bureaus that I have a charged off account with a specific amount owed to them, still invalidated, and attempting to collect another amount, over {$1000.00} more through a law firm and this is deceptive and furious collection techniques. Furthermore the balance Discovercard is not even showing the exact amount they earlier reported with a difference of XXXX ( XXXX cents  ). This needs to stop now! Trying to collect different amounts and this harassment along with is illegal! I will seek an attorney if this XXXX is not removed from my credit files by Tuesday morning XXXX. My rights have been violated and my credit score has been affected and this continues to invoke emotional stress which is affecting my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION.

15 USC 1681s-2 ( A ) reporting information with actual knowledge of errors.

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 the information is inaccurate.

15 USC 1681s-2 SECTION 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 ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I have tried to Dispute 3 multiple times via XXXX, theres no response and every time the Dispute gets updated and never gets deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Received a letter from Bank of America on XX/XX/XXXX claiming I am delinquent on my property tax parcel XXXX. They have the wrong periods, wrong amount, and the bill was for the previous owner and is not owed by me ( current owner ). 

They are threatening to pay the bill and add the amount to my mortgage for SOMEONE ELSE 'S bill. They are fraudulently increasing my mortgage payment after XX/XX/XXXX. 

We went through this issue during refinancing in XXXX, where Bank of America 's title company kept making the same error, and I fired the and hired XXXX XXXX XXXX who gave me a clean title. 

XX/XX/XXXX Called BOFA and spoke with XXXX in XXXX. They said they would open a ticket with the tax team and that this was automatically picked up by the system. Request number XXXX and should be resolved by XX/XX/XXXX. 

I chat with XXXX XXXX XXXX to confirm that the delinquent tax is for the previous owner and would be moving to unsecured in XXXX and that I do not owe this money. I call back and XXXX in Texas says she would contact XXXX in XXXX to add this information to the ticket cause she could not. 

XXXX Called BOFA to check on the ticket. XXXX from Arizona says the back office is still due and going to start an escrow for the property tax THAT XXXX XXXX COUNTY SAID IS NOT OWED BY ME. They will proceed with stealing from me. She submitted a ticket to escalate and have one point of contact to contact me within three business days. 

Chatted with XXXX of XXXX XXXX county who shows no record of Bank of America ever contacting them to clarify or ask about the property tax as promised on XX/XX/XXXX. She said the county would correct them should they contact. Property tax is already being transferred to unsecured status. 

XXXX Called BOFA because the promised call within three business days did not happen. XXXX from Arizona took my call again. Said they're too busy and the call is still pending, even though they have the XX/XX/XXXX deadline. Won't let me contact or speak with anyone directly from Tax. Can't tell me what the escalation call would even help or do. Tries to blame XXXX XXXX county for Bank of America being incompetent in what they do. 

No confidence they are even actually trying and just want to use this as an excuse to increase my mortgage principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with Transunion but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Product: Debt collection

Northstar collections has been calling my home number for over three months trying to collect a debt on someone who does not live here and I do not know. I have asked them twice to remove the number, yet they still call 2-3 times a day. They also call at inappropriate times. On XXXX/XXXX/16 they called at XXXX. On XXXX they called at XXXX and XXXX. On XXXX/XXXX/16 they called at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance appeared on my consumer report without my consent, in which I have no account with them. So they are bring down my XXXX score because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX SELF-REPORTED XXXX Balance : {$62.00} XXXX SELF-REPORTED XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$840.00}
Product: Credit card

I was a client using USBANK cash rewards credit card. They emailed/sent me an offer for PAZE service. I activated it online and was promotional promised {$10.00} from XX/XX/XXXX. I have photos of the confirm emails. They never paid me as promised after 3 months. I called to close the account on XX/XX/XXXX because they charge an outrageous fee of {$95.00} a year. I had about {$43.00} dollars in rewards total. Their system and rewards program is Not clear and I discovered then I can only get {$25.00}. It said {$25.00} minimum and also the word increments. I don't know if I lost out or couldn't get the full amount and had to close it quick.They did not disclose this to me when I started my account. The rep also stated they would need another 8 weeks to look into XXXX missing money but would not since I am closing it. That is a ridiculous amount of time and not responsible. For rewards they use unclear system to deter and hinder the redemption and it is unfair! I want to receive the {$10.00} and the rest of my rewards accrued which is {$18.00}.
Product: Checking or savings account

I was supposed to have {$230.00} direct deposit from my rent rebate. It wasn't in there so I called the IRS. I was told it was out into an account on XXXX XXXX told werethem it wasn't there. They told me to talk to the bank first that it was in an account. When I did they told me it was in an account but not mine. They said It wasn't my account so I couldn't get it out. So I called the IRS and was told they've been known for doing that. They couldn't do anything about it. Not even stop payment or turn them in. When I went back to the bank they told me they looked again and it had went to my account and I spent it. 
Which was not true. Later on they were in the paper for opening false accounts. I never recieved
Product: Student loan

I sent Navient a Affidavit of XXXX to validate the account and to disclose information in regards to the loan. They were asked to present to me the original wet inked contract ( promissory note ) and to answer is any legal consideration was handed to me upon signing of said contract. Also I asked to recieve the names of any other assigns that were located on the allonges attached to the contract. Along with the journal entries in regards to the contract as well as any accounts created using the Indorsement. Navient dishonored me by not providing these lawfully requested documents. They defaulted but continue to harrass me. 
I have sent a letter to cease harrassment and to not send negatve information to my credit bureaus stating Public Laws 95-109 and 99 -361 known collectively as the Fair Debt Collections Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act convergent has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXXXXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,
Product: Credit reporting or other personal consumer reports

The Issue at Hand I am deeply concerned that XXXX, in conjunction with its banking affiliates, has not provided adequate safeguards for consumers against fraud, nor has it properly secured my personal financial data. As a consumer, I rely on my banks to provide secure platforms for managing and transferring funds. The lack of accountability from XXXX and its affiliated banks regarding the fraudulent transactions has left me vulnerable to further financial harm. 
In light of the above, I respectfully request that the CFPB investigate this issue thoroughly. Specifically, I seek : 1. Remove from credit reports 2. An investigation into the adequacy of XXXX consumer protection policies and whether these policies have failed to prevent fraudulent activity. 
3. Assistance in recovering the funds lost due to these fraudulent transactions.

4. A recommendation for stronger consumer protection standards for services such as XXXX, which allow for rapid transfers of funds without sufficient protections against fraud. 

I trust that the CFPB will take the necessary steps to protect consumers from similar experiences in the future and will provide guidance on how to rectify this situation. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living XXXX XXXX. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion permission to furnish these accounts. Account # XXXX XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts being challenged XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Debt collection

XXXX called my cell first words were this is recorded then asked for XXXX and i know this is improper no person other than myself on my phone and i own nothing gotten theses calls before called number back owned by CBE GROUP at cbegroup.com and looks like credit collector on fishing call they need to be put out of business