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

Sent request regarding bankruptcy on my file with transunion XX/XX/21 and responded on XX/XX/21 with file # XXXX that the bankruptcy was accurate. On XX/XX/21 sent letter to reinvestigate and TU received on XX/XX/21 and responded XXXX & XX/XX/21 data furnisher XXXX verified information as accurate. Appalled, I went to XXXX to verify the information and during their investigation, could not verify the information as accurate themselves so in turn has deleted and removed the inaccurate bankruptcy information from there file as of XX/XX/21. On my behalf XXXX initiated a dispute with TRANSUNION on XX/XX/21 stating the results of the investigation which couldn't be verified and the bankruptcy was removed from there file, letter enclosed. So I also contacted TU with letter dated XX/XX/21 and received by TU on XX/XX/21 which included the letter from XXXX to prove bankruptcy was removed from there file and TRANSUNION responded on XX/XX/21 that the bankruptcy was verifed by data furnisher XXXX as accurate. Looks like to me TRANSUNION has ignored the dispute sent on my behalf by XXXX and my follow up to show the information should be deleted from my file also. Any investigation done after XX/XX/21 on this information would have shown the information couldn't be verified and should be deleted immediately. Either TU ignored XXXX dispute or never reinvestigated my information and just did a computer generated response.
Product: Credit card

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a different date opened and a different account status also different date last active from the other credit bureaus. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting to TransUnion. They removed it on XXXX and XXXX but they were not able to remove it to TransUnion with an account number XXXX. 
These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Checking or savings account

The company ( eToro ) does not enable customers with closed accounts to access tax forms. eToro issued a 1099 to me for tax year 2023, but this document was not sent to me via email, traditional mail, and can not be accessed online because my account is now closed. 

My goal is to obtain my tax documents. I have contacted eToro on four occasions about this and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Carmax Finance on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that Carmax would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting Carmax for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX
Product: Debt collection

This debt has been proven not to be mine and has been deleted from my credit report.
Product: Consumer Loan

I purchased a XXXX Mazda Tribute back in XX/XX/XXXX from XXXX XXXX Mazda in XXXX Alabama. XXXX XXXX Mazda is owned by XXXX XXXX XXXX. My contract reads " XXXX XXXX XXXX '', financed through Mazda American Credit. '' Or " XXXX XXXX XXXX, DBA, or " DOING BUSINESS AS '' " AMERICAN MAZDA CREDIT ''. We bought our Tribute new and struggled to keep it through a layoff from my employer by deferring our past due payments. Once our layoff ended and I was called back to work all was fine. Then in XX/XX/XXXX after being back at work for just a few months my employer again started to layoff. I knew we would never make it through another layoff. We had not recovered financially from the XXXX layoff. I called the finance company and asked what would be my best option for the Tribute knowing that they would repo it. There was no way I could make the payments. Our focus now was to try and hold on to our home. I was told that if I could VOLUNTARILY bring the car back into the lot I would save a good amount of money in fees and a voluntarily repo is far better than them coming to get it. Now I know there is really no good benefit. So that 's what I did. Of course they took me to court and got a default judgement on the vehicle or me that is. Just before my warehouse was to begin laiding off, I got hurt at work and was let go. Now I am XXXX and needless to say things have only gotten worse. We lost everything. Now for the part of why I am filing this complaint. My wife and I have done all we can to make sure everybody that has us in collections are being paid in full, or settled on an agreed amount to close the bill. My credit is totally in the tank. I have been trying to stay up with my credit rating and score and to get back to where we were when all this happened. While I was reviewing my free report for this year I noticed something that was not supposed to be there. " XXXX XXXX XXXX '' has me down as a " PUBLIC NOTICE '', which was or is, the default judgement. Thats fine, I know I still owe them money. But then I noticed " American Mazda Credit '' on there as having me in collections for the same amount owed. Why I never noticed this before is beyond me. I guess It just did not register. So what they have done is hit my credit score XXXX. Or double jeopardy. That is why I am filing this complaint, is to see if there is anything you can do to help me with this matter. Large corporations already have a shadow on us little people. This is really a low down way of doing business to gain even more of a way grip on the public. It 's no wonder it is so hard to stay in the good graces of the financial world. I want to pay off all my bills and I will but this goes too far and I need someone to help me get the bigs guys to at least just do what is necessary to protect them selves of course but at the same time, let me try and make good without the shady doings that they are doing to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected rights to privacy and confidentialiy under 15 USC 1681 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 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish my account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than record 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

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXXAccounts in Question XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$0.00} ( credit limit {$800.00} ) opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX bal {$0.00} ( credit limit {$600.00} ) openedXXXX XXXX XXXX XXXXXXXX bal {$0.00} ( credit limit {$1400.00} ) opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX bal {$31000.00} opened XX/XX/XXXX, XXXX # XXXX balance {$830.00} opened XX/XX/XXXX, XXXX XXXX # XXXX opened XX/XX/XXXX XXXX {$220.00} XXXX Acct XXXX XXXXXXXX opened XX/XX/XXXX Balance {$830.00} XXXX XXXX  balance {$40000.00} opened XX/XX/XXXX acct # XXXX consists of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX  Creditor Name : XXXX XXXX Account Number : XXXX ********* Date of Charge Off : XXXX  Amount : {$170.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately.

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding an accurate sees in my credit report. Despite my submissions, XXXX consistently responded within XXXX hours stating the account is accurate without providing any evidence of those investigations. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act consumer financial ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), add highlighted in the CFPs recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts below are the accounts that are inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX
Product: Debt collection

I was never late on my payments. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Date : XX/XX/2015 Amount : {$19000.00}
Product: Credit card or prepaid card

On XX/XX/2023 I received in the mail a prepaid card with my XXXX XXXX XXXX sons name on it. Mailed to our home. The company was Netspend. I called the customer service of this company to close the account and find out how they received my minor childs name and address. To which I was told they needed to speak with the account holder. My XXXX  son. I told her that she would not be speaking with him. That he was a minor child. That I am his guardian. I gave the customer service representative my name and address. As well as the card number to verify who I was. And reiterated that I did not order a card in his name. She refused to close the account without speaking with him. Stating that they have many minors with accounts. That I needed to check things on my end because someone ordered this card for him. I became very upset at this point. Telling her that obviously someone ordered this card and I wanted to know what information they had and how they obtained it. She then again refused my request without first speaking to my XXXX XXXX XXXX son whom she referred to as the account holder. I then asked to speak with a supervisor. I was placed on hold for forty minutes. Then transferred back to the automated menu options. Still with no answers as to how they received my sons information or what personal information they had about him. I have also sent an email to their customer service.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Date Opened : XXXX/XXXX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  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: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2022 I deposited a cashier 's check written from XXXX XXXX  to my Wells Fargo checking account in the amount of {$38000.00}. Prior to deposit, I verified XXXX different times with the teller that there would not be a hold on this check. She checked the bank system and noted " the system does not recommend a hold on this ; {$400.00} will be available today and the remaining {$38000.00} will be available tomorrow. '' The next day, XX/XX/2022, all of the funds were present and available in my account. After double checking availability of funds, I proceeded to make a payment to an auto loan servicer in the amount of {$38000.00}. 

On the morning of XX/XX/2022, I received an email stating my checking account had a balance of - {$38000.00}. I called the bank as soon as I could and checked on the matter. After explaining my concerns/situation, the banker at a local branch informed me that a hold was placed on the funds " after the fact '' because Wells Fargo had not yet received funds from XXXX XXXX  XXXX XXXX they had hoped ''. I informed the banker of my conversation and clarification with the teller on the day of the deposit and asked how this issue of not receiving funds from another bank was deemed a customer issue. I asked the reasoning behind a hold " after the fact '' and also asked why if there was to be a hold, why I was not notified. He then stated " someone had been in contact with XXXX XXXX  '' but there had not been any answer from them regarding the availability of funds at this time. This was a cashiers check and had been through a verification of funds prior to XXXX issuing the check to the individual who wrote it to me. 

I was instructed the only options were to make a transfer to cover the negative balance of - {$38000.00} ( which was not an option ), or to wait until the hold period was over on Monday XX/XX/2022. I asked about the timeline of the hold and he stated it was to be a XXXX day hold starting Monday XX/XX/2022. This is starting XXXX days after the deposit on which I was told there would be no hold. I inquired about waiving fees that would ultimately be incurred due to this bank-to-bank issue, and he stated " once the hold period is over, we can see which fees we are able to refund ''. I then asked at what point the customer is to be responsible for bank-to-bank transactions of this nature and he stated customers were not responsible for them. He informed me he would escalate this issue appropriately and I would receive an email with an escalation complaint number and hear from " someone in the escalation department within a few business days ''. 

This type of issue between banks is not acceptable and should NEVER reach the customer 's bank account ; especially after funds had been available for days prior.
Product: Student loan

I have been attempting to contact EdFinancial Services regarding my student loans for the past month and a half ( started calling end of XX/XX/2023 ) and every time I have been told that the wait time is over 200 minutes but that I would receive a call back at the number I provided. I have called at least 10 times but never once did I receive a call back where I was able to speak with a customer service representative to get my questions answered and problems resolved. I have only received 2 call backs but as soon as I picked up ( after my phone rang once ), the call was disconnected. My most recent attempt to call was on XX/XX/XXXX at XXXX ( Pacific Time ) and was told that the wait time is 110 minutes. EdFinancial Services shows online that its hours of operation on Tuesday is until XXXX EST, which is XXXX Pacific Time . It is currently XX/XX/XXXX and I have still not received a call back. 

I simply want to speak with a representative or manager to change 3 out of my 6 loans from " in school '' to " in repayment '' status so that those loans can be on the SAVE repayment plan. I have applied for the SAVE plan on the Federal Student Aid website and have uploaded the application and proof of income documents to my online account for EdFinancial Services. My colleagues who applied for the SAVE plan on the same day I did have already spoken with their loan servicer and are now on the SAVE plan. Meanwhile, with EdFinancial Services, there is no way for me to check the status online, nor has there been any form of communication with me. I have never had a loan servicer company where it is nearly impossible to reach any representative. I am extremely frustrated and would not choose EdFinancial Services if given the choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency.

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,