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

The Credit Bureaus have grew negligent and ignorant of their responsibility to comply with the FCRA section 605b which requires that the Credit Bureaus to remove any fraudulent accounts and information that resulted due to identity theft. I have sent a letter addressed to the XXXX and XXXX Credit Bureaus requesting to remove the disputed fraudulent information completely from my Credit Report on XX/XX/XXXX and I have been sending multiple letters before that date. Again, I was a victim of identity theft and this is another request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. By the provisions of the FCRA section 605b, I am submitting this complaint to request that the Credit Bureaus remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, First and foremost I would like to thank you guys for removing this XXXX XXXX account off of my report due to Identity Theft.. However I have just received Another letter from XXXX and XXXX and I am a bit confused. The first letter you guys sent was just a generic letter and you Guys totally disregarded my letter stating this identity theft matter. Over 2 months I go I sent off a letter asking XXXX XXXX XXXX XXXX for special details about this account and for them to validate this.. Still till this day, They have not been able to validate this debt nor is the information accurate.. Almost 2 months ago I put together the ONLY information needed for a block and delete According to 15 U.S. Code 1681c2.. I sent in all the documents that was needed.. And they have still not been able to comply with FCRA guidelines.. I have also requested a copy of a signed contract with my wet signature giving them authorization to report this I have also requested a copy of the form signed by myself giving me an option to opt out of this reporting factor.. I am also STILL requesting form SSA 827 that XXXX XXXX on the day of XXXX XXXX told me that I had signed I would also like a recording of that call as well because it will prove that the dates on this account is totally inaccurate and balances and this is illegal according to FCRA guidelines.. FCRA also states that a company haves 30 days to validate this debt. They have failed to validate this debt.. Failed to comply by FCRA Guidelines.. Failed to provide all information requested.. I provided every single documents needed from section A ) of 15 U.S. Code 1681c2 .. Also XXXX XXXX XXXX XXXX  Stated that I need a Police Report.. That is not needed according to 15 U.S. Code 1681c2. These people are making up their own rules.. 15 U.S. Code 1681c2 rules will always trump the company Rules.. I am asking that this be blocked and deleted.. They have failed to comply with the consumer law and surpassed the time allowed to validate and still have not been successful with validating this debt. 15 U.S. Code 1681c2 States 4 Days with all information provided from section A and I have provided everything needed. Please block and delete this totally goes against the consumer law and is illegal
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX card that is indicated on the statement to have a variable interest rate and I inquired as to why the rate hadn't gone down as some of my other cards with a variable interest rate had. Even though the account is currently closed, at no point has the rate ever changed so I wanted to know why. An account manager said even though the statement shows it's variable the rate is actually fixed. Well I think that is very misleading and contrary to the information provided right in the statement.
Product: Credit card or prepaid card

Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. Again, Discover didnt answer them. So, again, I am asking them. 
The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 'XXXX website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX  certified inspector. Also, XXXX advertises itself as being International Association of Certified Home Inspectors certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all 3 issues.

At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXX inspection not being performed but charging customers for one is fraud.
Product: Prepaid card

Bank of America pre-paid charged my account for transactions that they had funded, placing my account in a negative status. When I was issued a credit it was absorbed by the negative balance. They then sent me a 1099-C for the amount of XXXX on XX/XX/year>. They reported it as " cancelation of debt '' Prepaid card uncollected debt. I spoke to a representative who did a great job looking into this, and found that {$350.00} of the {$3900.00} had been returned to my prepaid account thru a refund, so they are claiming the {$3900.00} As the amount " refunded '' instead of the {$350.00}. 

I believe this was a bank error due to the following : -Any refunded transactions would of been refunded to the original debited account, in this case Bank of america prepaid account ending in XXXX. 

-Prepaid cards are not credit cards therefore they do not accumulate debt. 

- I would like a refund for the amount XXXX that was taken back by bank of america, and the amount I am being taxes for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
has violated 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.
Product: Credit reporting or other personal consumer reports

6 complaints responded to in less then 5 minutes by experian computer generated responses proving yet again this crooked fraudulent company is doing this in retaliation for me filing these complaints
Product: Credit reporting or other personal consumer reports

XX/XX/year> I send a personal information dispute letter to Equifax to update my personal information. The information they are reporting is inaccurate.
Product: Vehicle loan or lease

Insurance Fraud by Ally Bank : I leased a XXXX XXXX XXXX XXXX in XX/XX/2024 through Ally Bank. I was then involved in a collision in XX/XX/2024. 

At start of lease, the value of the car was approximately $ XXXX, and Ally Bank received a discount of XXXX for EV purchase, and only paid approximately $ XXXX for my vehicle. 

When my car was totaled 3 months later, and I asked Ally Bank to provide me a document with the balance on the car, they refused. Heres why : The valuation for my vehicle came back at $ XXXX, which is $ XXXX over the true market value per XXXX, and $ XXXX above what Ally paid for the vehicle. Upon reviewing the options included in the valuation, I called them to inform them that the valuation included options not actually in my vehicle ( Full Self driving which is an option I did NOT purchase through XXXX because it would have increased the purchase price by $ XXXX, and also my lease price ), and informed them that they accepted an exorbitantly inflated valuation. They apologized, but accepted the settlement anyway from my insurance despite knowing this mistake ahead of the payment. I filed a complaint with Ally Bank on XX/XX/2024 and no one has followed up, they could not provide me with a call back number, name of an agent, or email with which to correspond regarding this issue. 

I know that Ally Bank is involved in a lot of EV vehicle leases, and am concerned that this kind of fraud ( accepting higher valuations for software options not present in EV vehicles ) may be more widespread and is padding the balance sheets of Ally Bank at the expense of Americans insurance premiums ... AKA insurance fraud. EVs are much more likely to be totaled as the cost to repair them is typically higher, meaning more frequent insurance payments to banks in the event of a crash. The valuation should have raised some eyebrows considering EV values are depreciating at the fastest rate. How can an EV driven off the dealer lot 3 months ago appreciate more than $ XXXX? 

I tried to rectify this issue with them but it seems that they are dodging my complaints and are happy to keep money not owed to them. 

I have voice recordings of my phone calls with Ally Bank regarding this " error, '' of me informing them of the error prior to the insurance settlement payment and asking them to rectify the letter of guarantee to reflect a more accurate market valuation, which would be more consistent with the balance on the vehicle ( information they readily have ). I have not received any resolution to this issue and no one has reached out to follow up with an update on the complaint.
Product: Student loan

Made payment to loan on XX/XX/XXXX and XX/XX/XXXX for {$200.00} and {$1000.00} to direct loan XXXX unsubsidized. I made the second payment before the first payment fully processed, so it is now a negative balance for - {$200.00}. I called twice and requested a refund and for this amount to be allocated to a different loan on my account. Customer service reports there is no set timeline for this action. It has now been over a week and there has been no change.
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602A 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
Product: Debt collection

To whom this may concern, I m contacting you guys in regards to a problem I'm having with Midland Funding LLC. 

I have contacted the company several time trying to pay the debt owe on my account from XXXX XXXX XXXX  ACCT # XXXX. 
Date XXXX XX/XX/XXXX Balance updated XX/XX/XXXX I don't recalled receiving a letter from this organization or it may have inadvertently got misplaced. 
I've been trying to pay and get some information in regards to my accounts and I'm been told that they don't have any information on file with my social security and my phone number. I was told that the company is updating file from Midland Funding LLC to Midland Credit. They should make provision so that I as a consumer should not affect me getting information regards to credit and also trying to resolved the issue. I was giving several phone # and spoke to several representative who did not help.I 'm trying to clean up my credit and I'm getting the run a run from the folks at Midland Funding and Midland Credit Management. I was also told that they can't help me if I don't have a MCM number and I trying to pay the balance owe so I can improved my credit rating. I have contacted there offices over ten times since yesterday and today with no answer.
Product: Credit card

AMERICAN EXPRESS : My card was stolen XX/XX/2016. I immediately notifed AMEX and received a new card. However, when I received the next billing statement there were charges amounting to {$1800.00} that I did not make. I immediately called AMEX and they said they would take care of it and send it to their fraud claim department and that was it. ( I went through the whole list of charges and a person checked them off. ) Since then I have received endless number of communications from American Express stating they were looking into it, in some instances they credited me for {$8.00} which was a charge ( that I did not make ) at a drive through restaurant, and they credited me for other amounts but then charged them back to me, stating that they contacted the companies where the charges were made and the company said the card was presented so they charged the amount back to me -- -YES, THE CARD WAS PRESENTED, THE CARD WAS STOLEN, THEY OBVIOUSLY DID NOT CHECK ID. I HAVE CALLED, EMAILED, WRITTEN LETTERS, ALL TO NO AVAIL. They even charged me late charges for nonpayment of the amount -- -I am so frustrated. The fraudulent charges were all made within 24 hours or so of the card being stolen and my reporting. I have a file XXXX of communications from AMEX and still no solution to this incredible instance. Please tell me what to do. thank you very much. XXXX XXXX
Product: Debt collection

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Inaccurate Reporting of a Collection Account To Whom It May Concern : I am filing this complaint regarding an account listed on my consumer credit report by FirstPoint Collection Resources. This issue involves the following details : Original Creditor : XXXX XXXX XXXX XXXX : FirstPoint Collection Resources Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Case Number of Prior Dispute : XXXX In my prior dispute submitted to CFPB, FirstPoint Collection Resources claimed that they were hired by XXXX XXXX to collect the debt. However, this raises concerns about the accuracy of the information reported. 

If XXXX XXXX hired FirstPoint Collection Resources to collect the debt, then it should not appear on my credit report as a collection under FirstPoints name. The presence of this listing suggests that the debt was sold to FirstPoint Collection Resources. If this is the case, I request that FirstPoint Collection Resources provide a bill of sale or assignment agreement proving the transfer of ownership of the debt from XXXX XXXX to FirstPoint Collection Resources. 

If FirstPoint Collection Resources can not provide evidence that they own the debt or have the authority to report it as a collection account, the account must be removed from my credit report entirely, as required by the Fair Credit Reporting Act ( FCRA ). Reporting this account inaccurately and without proper validation creates undue harm to my creditworthiness, violating my rights under the following provisions : 15 U.S.C. 1681e ( b ) : The FCRA requires furnishers and consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : I am entitled to dispute inaccurate or unverifiable information, and if such information can not be verified, it must be removed.

Despite my formal dispute, FirstPoint has not provided the requested documentation and continues to report this account. Additionally, FirstPoint agreed to cease communication with me during my prior dispute, yet no resolution has been reached, and the account remains inaccurately listed on my credit report. 

I respectfully request that the CFPB investigate this matter, require FirstPoint Collection Resources to provide validation of the debt was sold to them, and ensure that the account is removed from my credit report if such validation can not be provided. 

Please keep me informed of any updates or actions taken regarding this complaint. 

Sincerely, XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding a recent transaction with XXXX XXXX in XXXX, Texas, involving the purchase of a hot tub through a merchants purchasing agreement with Wells Fargo. I was not informed that this transaction would result in the issuance of a new credit card. I was led to believe that Wells Fargo was a guarantor of a loan. 

Upon receiving a new Wells Fargo credit card in the mail, I immediately contacted the salesman who handled the transaction. He expressed surprise and stated he was unaware that the agreement required opening a new credit card account ( which negatively affects credit scores ). He further verified with his accounting department, who confirmed that the Wells Fargo account involved was not classified as a credit card. However, my subsequent conversation with Wells Fargo confirmed that a new credit card account had indeed been opened in my name. 

I relayed my dissatisfaction to the salesman, who assured me he would inform his colleagues about the issue. Despite this, I am still deeply concerned about the lack of transparency and the misleading information provided during the transaction. 

I request your assistance in investigating this matter and ensuring that such practices are addressed to prevent future occurrences. 

Thank you for your attention to this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX I have wrote a letter requesting VERIFIED proof of debt or proof of undertaking. 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Notice of Default and Opportunity to Cure XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Not respond I acquired my Credit Report and asked the credit bureaus to make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) Send A letter to Equifax XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Equifax did not modify or remove anything their response was that this account was already verified Equifax is showing a last active date XX/XX/XXXX this account also shows as a charge off and sold to another company on XX/XX/XXXX by the FCRA the report has to be accurate, and this report is NOT accurate. 
Which is a violation. This is impacting from moving forward
Product: Credit reporting or other personal consumer reports

I called due to Experian, XXXX and XXXX not answering my disputes for the past year and they put me on hold for XXXX mins then hung up on me. I will now seek legal action.
Product: Payday loan, title loan, or personal loan

Banco Popular has given a loan according to the Board Meeting Minutes to XXXX XXXX XXXX XXXX where I currently live with the purpose of obtaining a certificate of occupancy that expire XX/XX/XXXX. As an owner I do not agree with Banco Popular giving this association a loan for the following reasons : At the time of application the association was dissolved by the Secretary of State for not having a registered agent in XXXX. There is possibly over half  a million in  invoices for services that were never provided. Thee Board also passed a special assessment in XX/XX/XXXX for   {$120.00}, XXXX with the purpose of obtaining the Certificate of Occupancy, the funds are gone, and Certificate of Occupancy was not obtained. The Board of XXXX XXXX can not be trusted with property owners funds. Banco Popular may be giving a loan to a condo association that has been reported to : Provided fabricated ledgers Covered up that the Secretary of the Board XXXX XXXX XXXX was delinquent for 2 years Board member XXXX XXXX XXXX apartment was foreclosed as of XX/XX/XXXX by XXXX and has been accused by XXXX XXXX of fabrication and fraud Multiple cases with Department of Business and Professional Regulation where the state agency held the Association had violated the law Building does not have a Certificate of Occupancy Failed to do taxes for 4 years Owners requested an Audit on XX/XX/XXXX that was never finalized {$3000.00} were paid for nothing. In light of these serious character issues its incomprehensible why Banco Popular would give XXXX XXXX XXXX a line of credit for {$75000.00} that ultimately owners like me will have to pay.
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 rights to privacy and confidentiality under 15 u.s.c1681 grain acount # XXXX XXXX XXXX  acount # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX acount # XXXX and XXXX XXXXXXXX XXXX acount # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX  acount # XXXX XXXX XXXX XXXX XXXXccount # XXXX, has violated my federally protected rights. I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to15usc 1681 ( e ) ( b ) and according to15usc 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information has been modified or deleted by the file of the consumer.and according to15usc 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting of the account BROADWAY FINANCE XXXX, but you have failed to provide me a copy of valid and viable evidence. Furthermore, I have requested your method of verification being that my information was compromised in the XXXX data breach, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Lastly, the account has been re-aged and should have fallen off of my credit report. Not only are you in violation of re-aging an account, but you are also furnishing inconsistent information because XXXX and XXXX do not report this account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.