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

XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/year>, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to XXXX, Experian, XXXX or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.
Product: Credit card

On XXXX/XXXX/15, I initiated a cash advance on my account with PayPal credit in the amount of {$560.00}. The same day, XXXX/XXXX/15, the transaction was canceled and the cash advance was not completed. In reviewing my PayPal statements, I have been charged a cash advance interest charge since XXXX for a transaction that was never completed. I have tried to resolve this using PayPal online procedures with no resolution.
Product: Mortgage

Basically according to the XXXX app ( paid version ) I have FICOs of XXXX XXXX XXXX According to these lending companies my fico is a XXXX Give it to consumers straight. If Im paying XXXX a month for a service dont give me false hope for being able to get a USDA mortgage Also, medical bills that were off my credit are now being reopened and added back as current debt owed. Bill from 2012 for XXXX for example Also credit card agencies are quick to report debt but extremely slow in reporting payments When you do pay off collections it takes months for them to remove but seconds to put it on your credit Credit repair agencies tell you to get credit cards and keep balances low. Even with low balances it drops your credit significantly Also with a mortgage I was told 45 days of shopping around without it affecting credit score. Im getting hit with hard inquiries left and right Please give me guidance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Bank I was always pd ahead but had a setback spoke with commenity worked out a payment arrangement. They were to take funds from my checking account if I agreed then balance would remain stopped no late fees account would remain open and show in good standing. They would review account show in good standing as long as I stayed on plan. I have remained and held up my deal but they closed my account, increased my balance, charged fees and interest and the status is showing account closed by them and derogatory status. They continue to withdraw the agreed amount from the checking account. They also sent me deals to purchase which I have not done I have continued to pay as agreed but they have never followed their agreement. They need to either go back to last XXXX when this agreement was made show acct current quit doubling my previous balance and show acct in good standing paid as agreed OR quit withdrawing from the checking account and not applying to my credit card acct. thank you for your time
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violatio
ns
Product: Consumer Loan

I paid my XXXX 2016 payment on XXXX/XXXX/16 online to Santander Consumer USA. Santander 's online payment site gave me an error message and said my card was declined. I contacted my bank and they stated my payment went through and the payment was deducted from my account. I called Santander back and they stated to send a banking statement showing where the funds were deducted from my account. I sent the bank statement, and then the accounting dpt. stated the bank statement was not sufficient and that I needed to send the bank statement from XXXX to current date, to ensure that the payment was not later declined. I then sent a statement from XXXX to current date and Santander said that the bank statement alone was not sufficient that they needed a copy on my banks letterhead that stated my XXXX payment went through. My bank sent a copy of my bank statement from XXXX to current date as well as a letter on the bank 's letterhead stating my XXXX payment went through. My bank sent this and the account dept. for Santander still will not credit my XXXX payment. They said that my payment did not go through and the bank gave me my money back. I looked at the statement and my bank did not credit me my money back for the XXXX payment that was made. They credited my account for an additional car payment that was taken out of my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2021 approximately XXXX XXXX  I, XXXX XXXX received a phone call from a number from Wells Fargo Bank. The individual introduced himself as a Wells Fargo Employee and proceeded to explain that my account had received some suspicious activity. After verifying my account by asking me personal questions and sending me text messages to my phone he was able wire transfer {$5000.00} dollars to another account. I immediately hung up & called Wells Fargo to report the activity but was ultimately denied by Wells Fargo.
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. 

AXXXX 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 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 1

5 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: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( Experian, XXXX, XXXX ). I requested written confirmation of the removal, and It seems only XXXX has responded with this information as being " Updated '' and the other two have yet to respond.

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on XXXX website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.
Product: Mortgage

Bank of america N.A., violated my privacy and disclosed my information to a third party without my consent. They also called me numerous times on a delinquent loan even after it was transferred to another institution, same way they did with reporting it to the bureau, after it was long time settled. I was also not informed that it 's being transferred to another company, with no chance to work out a plan. They never reported the account as in dispute. This same company who is regulated by the FDIC and the OCC and has on their back thousands of FDCPA claims, they have a problem when an individual who is not regulated by this regulations, nicely calls up their executives who are responsible for the bank, and have an idea to call it harassment, absurd! They called me day and night, even after being advised to cease and desist and to stop. Furthermore, they claim they ca n't delete a trad line per the FCRA, and are stubborn nasty on that more than any other bank out there, even though it 's been very close to retention, they wo n't go above and beyond and will not comply with the good faith and fair dealing act. However, when they are afraid of a legal claim against them related to FDCPA, they were suddenly wiling to also violate FCRA rules, if I should 've sign a waiver of claims and an NDA, based on what I was clearly told by XXXX XXXX XXXX, bottom line this bank had to pay billions of dollars for all their mishandling mortgages, and other claims, and were balled out by the government, although it was their fault and negligence, but when it comes to someone else, they are nasty, rude, ignorant. As of today the account is differently being reported to each bureau.
Product: Debt collection

In XX/XX/year>, The Lakeview Law Group , PLLC contacted me, claiming they could help resolve my financial issues. At the time, I was struggling to repay six credit cards. They proposed a solution where I would pay a total of {$22000.00} for all six cards by making monthly payments of {$520.00} for 42 months. Starting in XX/XX/year>, they began collecting these monthly payments from me. 

After paying for 24 months, totaling {$12000.00}, they had only resolved three of the six credit cards. When I inquired about the remaining three cards, they informed me that I still owed {$9400.00}. I asked them what they could do if they were unable to resolve the remaining cards. They stated they could refund the money they had collected, excluding their service fees. 

Regarding the two XXXX XXXX XXXXXXXX XXXX, they explained that one was being paid off at {$220.00} per month and the other at {$110.00} per month from my monthly payments of {$520.00}. Based on my calculations, after these two cards were paid off, there would still be approximately {$5000.00} remaining. I requested that they use this amount to resolve the other cards. However, they demanded an additional {$600.00} to address the XXXX XXXX XXXX, warning that if I didnt pay, they wouldnt be able to proceed. This meant exceeding our original agreement, so I told them I wanted to remove the remaining three cards if they couldnt resolve them since I was still required to pay their service fees regardless of the outcome.

I also asked for a written guarantee from their law group confirming that I wouldnt have to make additional payments, as I had read reviews on their website that raised concerns. After removing the three unresolved credit cards, they asked me to continue paying {$250.00} per month for 7 to 8 more months to pay off the XXXX XXXX  XXXX XXXX cards. I reminded them that I had already paid {$12000.00}, and the amount left to settle the XXXX cards was only {$8600.00}. I firmly stated that I had fulfilled my obligations and would not make any additional payments.
Product: Debt collection

I couldn't find the specific indicators to move forward with my complaint, so I choose those as close as possible. 
I had a mistrust of Cooling and Winter prior to settling my XXXX XXXX XXXX credit card lawsuit with them, due to the information I read about them and how they handled their business/treated their customers. During the time prior to the agreement, I was able to get in contact with someone from Cooling & Winter,  after the agreement, that has not been the case. I have been sending my payments by money order, but have not been able to get an email/proof that the payments have been received, because I can't get in touch with anyone to return my numerous calls that I have left on their answering machine. I also want a balance remaining update to insure that our information is the same. The last two calls for example were XXXX XXXX on XX/XX/19. I left a message at ext. XXXX which was supposed to be XXXX XXXX ( I don't even know if he's still employed there ), but I have not received a call back. Another call was made XX/XX/19 @ XXXX XXXX I spoke with a representative named XXXX XXXX. She asked for my name and didn't seem to be able to find my account. I the gave her the case # /number I put on all money orders with my identifying info when the payments are sent, and she still didn't seem to be able to pull up an account. She finally said 'Hummmmm. hold on for a second ', then before I knew it I was listening to another phone ring. The answering machine was for someone whose last name I made out to be XXXX. I left a message for him, but he never called me back either. I have an answering machine so that if they were to have called back and left a message, I would know. This company has some of the worst customer service and non responsiveness that I don't see how they have not been sued again by the CFPB. I know I can't be the only person the be having issues with this company. I just need simple verification, so that when I finish with this claim, I have proof in the form of a letter from them hat it has been paid so that I won't have any issues in the future. If their bookkeeping is anything like what I have been confronted with, I can't imagine trying to get any proof of anything in the near or extended future.
Product: Checking or savings account

On XX/XX/XXXX I went to Wells Fargo in XXXX, SD to remove my deceased spouses name from a checking account, a savings account, and a Visa credit card. The branch manager, XXXX, indicated that she would do so. She was to get back to me re : a new account but never did. That was a telling sign that she didn't want XXXX customers at her branch. 

On XX/XX/XXXX, I was informed by WFB that XXXX, the branch manager, did not remove his name from the accounts, despite my being there for an hour, and having a certified death certificate. 

On XX/XX/XXXX, I attempted to closed the checking account and WFB Banker, XXXX, would not do so. XXXX declined to accept the debit card and blank check stock for that account. Eventually I just left the items with her and exited the bank. 

Employees tell management that I needed to return to the bank in XX/XX/2020 and to make an appointment to close the account. Employees at the bank also told management that I was " confused '' about closing the account. I was not confused as to my actions. If I was unsure about removing his name from the account, why did I travel to the bank with his death certificate? 


Management would not assist. XXXX, Regional VP, XXXX. The Upper Midwest President XXXX XXXX XXXX would only say she was too busy to talk to me. 

After being with WFB for 26 years, this is how they reward loyalty.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which XXXX XXXX is in violation of 15 USC 1681e ( b ). 

I reached out to XXXX XXXX on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. XXXX XXXX removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, XXXX XXXX received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX XXXX XXXX charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that XXXX XXXX update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.
Product: Checking or savings account

Hello, I deposited XXXX XXXX XXXX check at Chase XXXX on XX/XX/2018 for an amount XXXX XXXX from my own XXXX account to my own Chase account. 

Check got cleared at XXXX and my money was withdrawn, I have a copy of the check and XXXX   transaction from their website that proves it. 

On XX/XX/18 I received mail from Chase that stated that they received a deposit to my name but the account is no longer active and I need to work with them to figure out what to do with money. 

I went to the bank branch and gave them an address to send a check, My account apparently was automatically closed due to inactivity. 

I never received a check from them and went to brach again : now they claiming that money was returned to XXXX. But XXXX has no information nor Chase provide anything that might help XXXX to locate the money. 

Basically, I am stuck between two banks. both pointing to each other. 

I can povide details such as name, account namber upon request. 

Thank you
Product: Debt collection

Navient is in violation of the following : 15 USC 1692b ( 2 ) Exhibit A attached 15USC 1692b ( 5 ) Exhibit B attached 15USC 1692d ( 1 ) Exhibit C attached Navient has failed to validate the debt