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

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Equifax : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, XXXX, Equifax XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and XXXX does not report any payment history at all and Equifax only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit card or prepaid card

Chase Sapphire issued a card that I did not apply for and then there was a {$95.00} charge on the card. I have called Chase Sapphire and they have started a fraud report. I have also reported this to XXXX.
Product: Debt collection

I have communications to Southern Management Systems dated back to XX/XX/2017 in regards to an alleged debt the company. In every request I have submitted to the company, I have asked the company to verify that I am bound to do business with them. They have constantly submitted the same documents from wherever the debt was purchased from, and in none of these documents is there a mention of Southern Management Systems. On top of the company 's failure to verify, I was told in the last letter received that the company would not send any further correspondence.
Product: Checking or savings account

I stayed at XXXX XXXX XXXX and I checked into my room at XXXX. The room total was {$150.00}, and the Clerk said there was a {$100.00} refundable security deposit, so the total came to {$250.00}. I went straight to sleep when I got in my room and slept until checkout the next day. I called the hotel to find out when my security deposit would be refunded and was told in 3 business days. After waiting 3 business days, I called again and they told me 7-10 business days. I waited that time and called again, they told me the same thing and I let them know it's exceeded the time they said. I've faught with XXXX XXXX a few more times to get my deposit back and read reviews online that the hotel runs scams to keep people 's deposits. I tried twice to dispute it with my bank and they said they weren't returning my money. I've included screenshots of the charges and the horrible reviews about the hotel scamming people. I need my {$100.00} deposit back please. And unfortunately, in order to ever get anything resolved, I have to file a report.I 'm in order for resolution because my bank always never wants to return the money to me when I have legit disputes period I provide them with all the evidence they ask for they need.And then some and they still don't ever want to return what's rightfully mine so I have to remake reports on with you guys all the time to get my money back and it's ridiculous.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has. 
In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. 
I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a CFPB complaint with Truist Bank, XXXX, XXXX and XXXX about false and inaccurate information. Truist Bank is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline Truist Bank be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which Truist Bank is claiming that it is a loan, which is proof that the information is false and inaccurate.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX US DEPT OF EDXXXX Acct # XXXX US DEPT OF EDXXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION Acct # XXXX XXXX US DEPARTMENT OF EDUCATION Acct # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX, I spoke with a customer service representative at XXXX, the company contracted to service my student loan account, about some suspicious changes to both my student loan account history and personal credit report. 

It appears that XXXX reported my loans Paid in Full on or around XX/XX/XXXX and closed the two accounts that were previously included in my credit history. This change caused my credit score to drop XXXX points between the two closed accounts. 

When I logged into my XXXX account and checked my account history, it appears that XXXX has recently updated my account in several key ways : -All capitalized interest is reported as {$0.00} dating back to XX/XX/XXXX. This has not been the case for the past two years and six months. Interest had been accruing on the account. 

-My loans appear to have been retroactively consolidated with the reported date of consolidation as XX/XX/XXXX. I did not request this consolidation. 

-There are several newly reported payments recorded in XXXX that were not made by me. I stopped payments to XXXX in XX/XX/XXXX after realizing that my payments and overpayments were not being applied in the way I intended, which was to pay down the principal and not be applied to future payments. 

When speaking with the customer service representative, I asked her Who initiated the consolidation of my loans in XX/XX/XXXX? She told me that I had requested the consolidation of my loans, digitally. I asked her what she meant by digitally. She explained that I submitted a request through my account. I asked if that request should show up in my account inbox under the tab Documents You Sent to Us, and she told me it should be in that tab. But there are no documents in that tab, because I never requested the consolidation of my loans verbally, digitally, or otherwise in XXXX. I know because in XX/XX/XXXX I learned for the first time that I wasnt alone in the overwhelming Navient scam. I have remained in forbearance since that time because XXXX has refused my requests to remedy the misallocation of my previous payments. I did not request a consolidation in XX/XX/XXXX and my account history prior to recent erroneous changes listed previously did not indicate any consolidations. 

The XXXX representative I spoke with explained she was sending me a Fraud package for me to complete and upload to my inbox along with a copy of my credit report to initiate a XXXX  investigation. This package was never sent to either my personal email or my XXXX account inbox. My credit is still damaged and has prevented me from purchasing an affordable vehicle which I need in order to become gainfully employed and afford to pay my student loans. 

XXXX continues to demonstrate flagrant disregard for its obligations as my student loan servicer and continues to cause irreparable damage to my financial well-being and my consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inqiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2023, I was enrolled in Experian ID Restoration Services. This was initiated by XXXX XXXX also new name of XXXX XXXX. XXXX XXXX experienced a Data Breach which placed my Personal Information on the World Web for a period of time. This has transitioned into Identity Theft which requires 2-3 hours daily of work relevant to my Credit Restoration XXXX Monitoring, and placing Preventative measures in place. It's amazing how much can be done with my Personal Information. And sad to say, but to some extent this will be a lifetime of work. It seems as if this Identity Thief or Group never takes a break. I'm untrained in this area, and I have never experienced this type of situation. 
It seems although XXXX XXXX has contracted with Experian ID Restoration to aid in my Identity Theft, I am the one having to do all the work, and again in an area in which I have no training in!! 
For months, I have been requesting from my Restoration Specialist, XXXX, the name of her Supervisor, and also the Supervisor who is over Experian ID Works. I have been told for Several months that I will be connected with the Supervisor, but for some strange reason, it never happens. This should be my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Here are the facts, according to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' Equifax waited almost 3 full months before letting consumers know about potential identity theft. I do n't have a choice on whether or not they collect my information, so it needs to be protected
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified XXXX to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and XXXX is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # 51780593*** is violating my rights under 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I believe that this will cause me some inconveniences in my futures credit transaction, I would like this to be taken care of.
Product: Checking or savings account

I went into the main branch and spoke with XXXX XXXX to open a checking and savings account. 
I was able to open them, but he did not give me any information/documents about the account. When I tried to create my online profile, I was unable to because I didn't have my account number. 
Last week I went back to the main branch to ask about my accounts. I spoke with XXXX and XXXX XXXX ( service manager ). XXXX called and left a voicemail that they reopened the checking account. I was able to create an online profile and see that the savings account is still closed. 

On the day that I opened the account, I spoke with XXXX XXXX XXXX ( personal banking officer ) and XXXX XXXX XXXX ( Asst Service Supervisor III ). They both did not check to see if XXXX XXXX followed company procedure regarding opening a new account. 

I also asked for the manager, XXXX XXXX, who did not come to speak to me concerning my missing driver 's license.
Product: Mortgage

In XXXX, I took out a 10 year home equity loan for {$80000.00} from Wells Fargo. The final payment was meant to be due in XX/XX/XXXX, and they say I still owe {$66000.00}. I have never missed a payment on this loan, and I always pay on time. My account has been consistently charged " fees and other charges '', but does not have any information on what these fees are. I do not have access to statements older than XXXX, and when I request these statements online, in person, and by telephone, I never receive them. I have asked Wells Fargo on multiple occasions over the past 6 months to send me detailed copies of my monthly statements so I can further understand what I am being charged for. I have contacted several higher up employees, including XXXX XXXX from the Home Equity Executive Office at Wells Fargo. I have gone to my local Wells Fargo to speak to the manager, and he said I need to call them. When I call them, I can only leave voicemails and nobody calls me back. The only response I have gotten from my requests for the detailed copies of my monthly statements, was 10 years worth of my home insurance policies -- which has no information regarding what I need to know. I don't know who else to contact and I feel as though I am being taken advantage of by this corporation.
Product: Debt collection

Portfolio Recovery Assoc has been pulling my credit report every month. I do not have an account with them. I have never given them access to any of my personal information and they will not stop calling my phone and making threatening phone calls. THey are even running my credit twice in the same month.
Product: Vehicle loan or lease

On XX/XX/2024 My vehicle was repossessed. I was told by the bank that the vehicle was repossessed due to late payments, granted my payments were slightly behind but I was also told that my payments must be 92 days behind before a repossession will be put out on my vehicle. 2 months ago I spoke with the bank and made an agreement to pay {$5.00} to {$600.00} a month and tell the payments were caught up I made those payments in the following months. I received a promotion on my job and because of that my payment this month would have been able to allow me to pay off the balance.At the time of repossession my payments were exactly 91 days behind and in the midst of this this is the same day that I was going to call the bank to pay the past due balance because I had just received my paycheck. After the vehicle was repossessed they then required that I pay additional fees of late fees to redeem the vehicle along with the past few balance and tow fees. I am willing to pay my past due balance and the tow fees but at this time I am not able to pay the balance of the late fees. if I would have paid the balance past due on that day My vehicle would not have been repossessed because I would not have been 92 days past due I will agree to make a payment arrangement on automatic payments if necessary to pay the late fees I also informed the bank that I just received a new position on my job that requires me to travel for my promotion and that I have an elderly father that does not live near me that I have to take care of due to the passing of my mother XXXX years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.
Product: Mortgage

I was contacted by Ditech mortgage company stating I had not paid my property taxes. I contacted them and told them the taxes were already paid. They then told me, I needed to contact the tax office and request they send them back their money. They also told me that they were changing my mortgage payment adding in escrow to the loan. I have had this loan for 18 years and have always paid my insurance and taxes. I have made several calls to them to resolve this issue to no avail. The original mortgage company, XXXX XXXX did something similar with insurance they stated I did not pay and I fought with them for several years before giving in because they were charging late fees, even though I had paid the insurance. Now they have changed their name and doing it over again, I feel they are extorting money from me.
Product: Checking or savings account

I opened an account with Wells Fargo on XX/XX/23 under the premise I would be receiving a {$320.00} checking account bonus for qualifying activities. These activities include a {$25.00} opening deposit and {$1000.00} of direct deposits within 90 days. I have let these requirements as outlined by the timeline below. 

XXXX opened account XXXX opening deposit XXXX qualifying direct deposit by employer in the amount of {$1800.00} ( XXXX  ). 

I called Wells Fargo twice on XX/XX/23 and was told by XXXX different customer service agents that I did not meet the requirements. After mentioning that I did indeed receive a paycheck via direct deposit on XX/XX/23, both agents agreed and stated they had overlooked that. However, neither could confirm Id be receiving my bonus despite meeting requirements. Supporting documentation attached including Wells Fargo indicating my direct deposit was indeed qualifying. Includes sign up offer code XXXX applied upon online sign up.