23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Capital one auto finance, XXXX XXXX, XXXX, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted Capital one and XXXX and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted Capital one auto finance and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.
Product: Checking or savings account

On Thursday, XX/XX/2022. I was prevented from entering Citizens Business bank located at : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, by XXXX XXXX who introduced herself to me as the vice president of the bank. When I approached the front door, I heard it lock and I was met by XXXX XXXX who made me explain through the glass doors ( for several minutes ) during business hours, why I wanted to come in. I explained to her that I was a customer and XXXX XXXX asked me to show several forms of ID, including debit card, Driver 's license and also made me recite my account number all while behind a locked glass door. I was finally allowed to enter the branch. I filed a complaint with the corporate office and spoke with XXXX XXXX, regional branch manager the next day. She took my complaint and said that she would speak to XXXX and get back to me by Monday. Monday morning at XXXXXXXX XXXX, I went to a different Citizens Bank, in XXXX Ca. which is way out of the way, but I felt as though I'd get better treatment there than back in XXXX again. I was met by a friendly banker that was eager to help. She said that she saw something on my account that was strange. There was a note on my account that stated to call the Vice President before any money could be taken from my account. The banker told me that was strange and that she had no idea why this would be on my account. It was a flag. She made the phone call to XXXX XXXX, assistant vice president. XXXX wanted to know why I was taking my money out and said that it was " too dangerous to have that kind of money on me '' and also asked the banker if I had anyone with me. The banker was then asked to hand the phone over to me where I was questioned about my account and asked if I was planning to close my account and if I realized how dangerous it is to have that amount ( XXXX ) on me. I told XXXX that this type of treatment by Citizens Bank is absurd and that I would be making a complaint against the bank for being locked out at the XXXX branch and also for having my account flagged for no reason and needing to explain why I wanted to take my own money out of my account. She made me sit through a short lecture, the same type of lecture and screening that I had to endure in her office for two hours when I opened my account. When I hung up the phone, the teller was embarrassed and apologetic and explained to me that this type of behavior is extremely abnormal and that it is not unusual for a client to withdraw XXXX from their account. She explained that they see much larger transactions on a daily basis and that the only time an account would be flagged like his is if there is suspected fraud. I was completely embarrassed once again and mortified once again by Citizens Business Bank.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Citi, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated
third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Debt collection

Jefferson Capital Systems placed a collections record on my credit with all three bureaus. This collections was a purchased collection that was out of statute of limitations and is a debt too old to be reopened on my credit. This collections started as an account that was opened with them in XXXX of XXXX. No account was opened or agreed to with this company at that time or anytime in the past. I am no longer legally responsible for this debt and their attempt to park debt on my credit report after the statute of limitations is against the Fair Credit Reporting Act. I contacted Jefferson and spoke with a representative that assured me that the dispute would be complete and that the account would be deleted off my credit. The account was not deleted off of my credit and remains open until XXXX of XXXX.
Product: Mortgage

I received a letter from Wells Fargo Customer Care dated XX/XX/XXXX. The letter stated, Our records indicated that you were enrolled in the XXXX XXXX XXXX. Enrollment began XXXX XXXX and ended XX/XX/XXXX. I never authorized or requested to be enrolled in the XXXX XXXX XXXX. 

I called XXXX, spoke to a Wells Fargo Customer Care Agent on XX/XX/XXXX, at or around XXXX. The Agent asked, If I enrolled in the XXXX XXXX XXXX in XXXX XXXX and ended XX/XX/XXXX. I stated, no I never requested to be enrolled in that product. The Agent stated, since you did not request/authorize Wells Fargo to enroll you into the XXXX  XXXX XXXX, you will be compensated {$1700.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : 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 I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 

This failure to conduct a reasonable investigation has caused harm t o my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, and housing ]. 

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed. 
2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
3. Remove any inaccurate or unverifiable information from my credit report immediately. 

I am attaching all relevant documents, including certified documents showing I sent it to Experian certified letters, Experian 's responses, and supporting evidence, to this complaint for your review. 

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 

Sincerely, XXXX XXXX XXXX Please see all attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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: Vehicle loan or lease

On XX/XX/XXXX 2021, at XXXX XXXX  PST, a warning alert regarding the chassis issue of XXXX Bmw XXXX came on the dashboard. Call promptly made to XXXX XXXX BMW service center around XXXX XXXX  in XXXX XXXX, CA, but service center was not open. Appointment made for XX/XX/XXXX, Monday for service drop off and the vehicle was dropped off then and a temporary loaner XXXX BMW  XXXX loaner was provided. On XX/XX/XXXX, service advisor informed owner that the car will undergo long term repair since the entire car computer ( DME ) will be replaced ( essentially a pin in the DME was bent, causing electrical shortage and the car was defective since start of lease in late XXXX ) ; it will take at least 15-20 business days since the part is backordered and imported from XXXX. On XX/XX/XXXX, owner requested alternative loaner car since now the repair is long term and asked for an equivalent car in value, especially since lease payment is on a higher priced vehicle. Service advisor stated only have Bmw XXXX and XXXX in stock and they have no control over XXXX XXXX XXXX inventory for loaners. Owner asked for adjustment to lease payment to reflect the actual vehicle used and provided. Service advisor suggested to contact BMW North America. Owner called XXXX BMW Customer Relations on XX/XX/XXXX and XXXX, a representative said this will be forwarded to the Escalation team who will contact the Service Department regarding the car history and response will be one business day. Owner called BMW Customer Relations on XXXX ( XXXX  ) and XXXX ( XXXX ), and there were no updates provided. BMW Customer Relations also could not provide any email confirmation or any written trail

that there were any follow-ups performed by BMW North America.

BMW of North America, LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Customer Relations XXXX
Product: Credit reporting

I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least XXXX occassions. XXXX times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from XXXX of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached. Here is the proof and they refuse to delete these accounts. So please delete this from my credit reports immediately. As I was a victim of this data breach.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020.
Product: Checking or savings account

Experiencing financial hardship I have attempted to deposit my stimulus check from the U.S. Department of Treasury. Current Mobile bank states this check could not be verified. In turn, confirmation from U.S. Senator XXXX XXXX 's office with the verification, Taxpayer 's Advocate ID, was submitted still wasn't enough for Current Mobile banking. 
Yet, this bank advertises for direct deposit to include Social Security checks which are dispersed from the only U.S. Treasury Department.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 90 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX and XXXX 90 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX I was XXXX overseas during this time and had difficulties making online payments, but I paid as soon as I was back in the states. Now I am applying for a home mortgage and it is impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 requesting national auto lenders to validate debt because I have no knowledge of this account the company neglected to provide me with any documents they basically ignored my letter which is very disheartening. The company is allotted no more than 30days to validate the debt failure to do sure means they must delete this account. However, this company is still reporting this account on my credit report please help. By the way Ive also included a copy of my certified mail receipt indicating letter was sent
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC the original Debt Collector I filed two complaints for violation of the Fair Debt Collection Practices Act about refered me to another debt collector by the name of XXXX, XXXX, XXXX XXXX XXXX, XXXX. 

I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX on XX/XX/year> informing me that MIDLAND CREDIT MANAGEMENT INC refered me to them in violatio of the Fair Debt Collection Practices Act. 

When I tried to verify the credentials of XXXX, XXXX, XXXX XXXX XXXX, XXXX with the Florida Office of Finacial Regulation, I found out that they are NOT registered with the the State of Florida as a debt collection agency as the claim on their website and the letter they sent me ( see attachments ). 

On XX/XX/year> I sent them a letter by fax, by email and by XXXX XXXX ( see attachment ) to inform me that MIDLAND CREDIT MANAGEMENT INC is in violation of the Fair Debt Collection Practices Act and asked them to stop their collection activities until I resolve the complaints I have about MIDLAND CREDIT MANAGEMENT INC. On XX/XX/year> I received another communication from them in another violation of the Fair Debt Collection Practices Act. 

I am asking for your help to stop XXXX, XXXX, XXXX XXXX XXXX, XXXX from contating me until I have the issue with MIDLAND CREDIT MANAGEMENT INC resolved. And to report that XXXX, XXXX, XXXX XXXX XXXX, XXXX is NOT registered as a debt collector in Florida. 

Your help in this matter is greatly appreciated. 


Warmest regards, XXXX XXXX
Product: Mortgage

I have repeatedly tried to speak with this company and this is the third complaint I have against this company. On XXXX XXXX, 2017 I paid {$260.00} and some cents, when I checked my credit report it is still showing I owe them {$2.00}, XXXX. Even though we are in an agreement for the payoff amount of {$510.00} to be made over two payments one which was paid on XXXX XXXX, 2017 and the other on XX/XX/XXXX for the balancing amount. When I asked about why is it still showing, he ( the staff attorney ) told me that is how they company work until I pay the full amount. Now it is showing that my account needs attention, which it does n't. I truly do n't understand how these people think it is okay to keep messing with my credit report, using the fact that my Escrow account have a lot to do with it. When I cancel my insurance that Escrow Account should be done. I do n't even understand what he is talking about and the fact that he keeps bringing up the Escrow account what does that have to do with anything. My home has always been tax exempt and it is recorded at the Parish Office where I live, so how are they paying taxes on a tax exempt home and where is the money that they supposedly paid for my taxes on my home. To my knowledge I am the one that put the money in my escrow account but according to him it is something I owe to them. this truly has be in a daze. The escrow account money should be returned to me and from what he is telling me it does n't. This has gotten totally out of hand, this company have toyed with me from the beginning and is still doing that including sending me late payments bill. Once I came in agreement with the payoff amount it should void everything else out and for this company it does n't.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting my student loans to be late. My student loans were NEVER late. My student loans has always been in deferment even when XXXX XXXX administration policy act was in place. Student loans can not be placed in Bankruptcy unless there is an hardship shown per XXXX XXXX administration policy. Make the necessary changes to correct these negative marks on my credit report regarding all my XXXX STUDENT LOANS. There is also car loans on my credit report that do not belong to me the following are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please fix these remove this incorrect information immediately!
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX  XXXX for debt verification they have failed to provide. I have contacted XXXX and TransUnion for any form of verification they have failed to verify. Collection activities have continued after I have notified all parties in writing that the account is in dispute. I am requesting immediate removal from my credit report
Product: Credit reporting or other personal consumer reports

Received a letter that I owed XXXX XXXX over {$7000.00}. However I have never had an account with them. So this is identity fraud. I have my accounts locked because some has done this before from someone in Florida. Please remove this from my reporting. Police records have been filed. Letter will be attached.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX