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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection account.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.
Product: Vehicle loan or lease

I was told that I was unable to get a loan through Carvana because of my job, not because of my income but because I am an XXXX XXXX. I had gotten a car loan from them a year previously and I was approved and now they say they dont give car loans to ride share drivers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. Bank of America itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or Transunion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN VIOLATED. THIS IS A CLEAR VIOLATION OF MY CONSUMER RIGHTS. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

This is a clear violation of my consumer rights and under law you have a responsibility of ; 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instruction of furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; by definition consumer report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

consumer : ( c ) The term consumer means an individual.

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

In conclusion, I have provided you with the law which prohibits XXXX XXXX from inaccurate reporting of the listed account. You have now been put on notice that you are reporting inaccurate information. The information and account is, in fact, inaccurate. 

By the provisions of the Fair Credit Reporting Act, Please remove ALL LATE PAYMENTS FROM MY XXXX XXXX  ACCOUNT. 

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

The company os not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing the exercise my rights using FCRA 609 guidelines which require them to follow what I mention.I also can't get a refreshed credit report and calling the customer service number, was know help. I ended up getting a report that was 10 days old and I am seeing that same report everytime I ask for a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Vehicle loan or lease

On XX/XX/XXXX I was notified by XXXX that the auto loan account with Wells Fargo was 30 days late. A check of the payment history shows that a partial payment of {$120.00} was made on XX/XX/XXXX and XX/XX/XXXX. A payment of {$700.00} was made on XX/XX/XXXX, just one day beyond the due date for XXXX. I never received any communication from Wells Fargo that the account was delinquent. I had email alerts set up but they moved everything over from Wells Fargo Auto Finance to their main website without notifying me. I didn't even have this information until today. In looking at the account I saw that a late charge of {$18.00} was added on XX/XX/XXXX and a late charge of {$6.00} was added on XX/XX/XXXX. There was no past due amount other than the payment for XXXX which was {$370.00}. With the late charges added the total amount due should have been {$400.00}. With the payment of {$700.00} made on XX/XX/XXXX the account should have shown a balance owed for the XXXX payment of {$82.00}. The payment showing due as of XX/XX/XXXX is {$220.00}. How can this be? The numbers are not adding up. I request a full investigation. Due to this I can no longer close on financing for a home that I was about to close on very soon and my family and I are going to be homeless. I was treated with complete contempt by the call takers of Wells Fargo when I inquired about the situation and was even told there was nothing they could do and that the information would remain on my credit report as they were showing it was accurate and met the standards of the Fair Credit Reporting Act. Based on the information I have provided with this complaint you can clearly see that their reporting to the credit bureaus was false according to their own records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; On XX/XX/2018.

While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided information to Transunion and XXXX from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on credit report.
Product: Mortgage

Bank of America is charging me for mowing the lawn even though they have not mowed my lawn, the charge is being added to my mortgage balance
Product: Debt collection

This company keeps sending me collection notices. I do not owe them. I was also a victim to the credit breach not sure if thats it. According to 1681n, 15 usc and 1681o. I want this removed from all 3 credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion jas customer service in XXXX that is not taught laws but how to lie so me the consumer thinks I am the XXXX  or person comitting fraud. I have 1 hard inquirey I didnt make with XXXX XXXX. I didnt ask or allow XXXX XXXX use my credit report for fraud. Also XXXX XXXX has a couple accounts that arent mine on my report. All of these I told them to use FAIR CREDIT REPORTING ACT 604, 609,611 and 623 to investigate and give me decisions showing that they did proper and the legalway to investigare. They lie and just say they did investigation and want.
Product: Bank account or service

Paypal decided to shutdown my account arbitrarily. And are currently holding my balance of {$1900.00} and are planning on holding it for 6 months. In addition to that, I have additional {$360.00} in ebay gift card they are no longer honoring. I 've contacted paypal and ebay several times and all they do is bounce phone calls back and forth. And blame each other. Someone has to be responsible for returning the gift card balances back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2500.00}
Product: Mortgage

I had a XXXX XXXX account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from Specialize Loan Services. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to XXXX  XXXX. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that XXXX XXXX need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on it. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my husband filed for ch XXXX bankruptcy. Two of the credit bureaus report just 1 bankruptcy but equifax is reporting two on my credit report with the same date and info as each other. For some reason they cant understand that they are showing a duplicate bankruptcy. This is caused me to be unable to buy a house on two different occasions because they will not do a loan with more then one derogatory mark on my credit report. I have only ever filed for one bankruptcy and could not file 2 on the same day with all the same information.
Product: Checking or savings account

I found out on XX/XX/year> that Chase decided to close my account. That day I called into Chase Bank customer service. They told me that I could go to the bank to get my funds and the reason why my account was closed. Immediately I went to Chase Bank in XXXX, WA. I spoke to a customer service agent even though I asked for the XXXX. I was told that they could not release my funds that they would come to me in a cashier 's check and that they are unable to see why my account is closed. I called back to the fraud department and asked them again why my account was closed. I got placed on hold for XXXX hr XXXX minutes until I hung up. I decided to just wait for the check with my checking and savings. I got the check for my checking in the amount of XXXX I took it to my new bank and they called Chase to verify it and Chase told them they couldn't find the account it was written on and are unable to verify it!!! I still have not received my savings amount XXXX. Yesterday I called fraud again and asked the same questions. Why did they close my account and where is my money? Got placed on hold and no one picked up. Today I talked to XXXX in the operation fraud department. All I got was that she would call me back in 2 hrs. This is ridiculous that my accounts got closed and we are going on a month now and no one can tell me why or give me my money.
Product: Debt collection

The company claims that I owe a debt, I have asked the debt collection manager and their supervisor on how to dispute the debt, simply because I do not owe it. They both said you have to wait until you get your breakdown of charges, I have been waiting 3 weeks to recieve a breakdown of charges from this company. Called back and they advised that they sent it to the wrong address. I corrected the address with them again, and have not recieved it yet. The orginal company that claims I owe this debt has gone out of business. I went to XXXX XXXX XXXX in GA, and they do not show a judgement against me from the apartment complex or management company. I sent the collection ageny a fax containing letter asking for it to be removed, and proof that I do not owe the debt on my own not knowing the correct way to dispute it. They were only interested in talking about money, and not a way to get it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected!

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well
Product: Checking or savings account

Chase Bank held an settlement check of mine totaling to {$5200.00} and now has closed my account. Holding the funds for up to two years because they don't plan on returning the check to me nor the issuer, then releasing it to the state. At which point I'd have to file an unclaimed funds case! This should be illegal and stopped. Why can't they from the jump flag the check and not process it? They continued to process the check even though they flagged it and place a hold on the check the same day it was deposited. It cleared the next day but because they can't call the number of the business/the issuer because of some third-party verification system they have can't verify the issuer phone number as being a legal business, they put a restriction on my account. Now XXXX is just sitting there. They had me forward them my documents of me signing my settlement, email and going to the branch for 4 hours to show them paper work ( that they asked me to bring in ) to say its still not enough. Ive spoken with 24 different reps and they all say different things, one says XXXX ( the creator of the check ) can goto the chase branch and show two forms of id and a form showing he owns the business, that was a lie. I thought that Chase Bank was a Financial Institution with Integrity and Moral values but I find out very painfully that they Scamtheir customers.
Product: Credit card or prepaid card

I have two issues regarding the account closure of my Bank of America Premium Rewards credit card with account number XXXX  on XX/XX/XXXX.

1. I had a balance of XXXX bonus points, which is equivalent to {$7.00} after making purchases prior to account closure. The company refuses to transfer those points to my account after it was closed.

2. I paid an annual fee of {$95.00} when I first obtained the card in XX/XX/XXXX. Because the was closed after approximately 6 months, I requested the bank to pro-rate the annual fee since I was not able to enjoy the card 's benefits for a full year.
Product: Mortgage

I called you on the XXXX/XXXX/15 to file my case and i have waited for a full month because today is the XXXX/XXXX/15 with a case number of XXXX I have been patiently waiting a response from my complaint yet I am looking on line and there is no reference that I even filed a previous complaintI want to make sure that you help me with this problem I have been fighting with my mortgage company now for so long and they have placed me in foreclosure, not because i have not tried to work with them but i feel they do not want to give me a dying chance to re-modify my loan. they have given me a balloon mortgage that i had no knowledge of and as soon as i was unable to work, XXXX. i the same breath i lost both my husband and mother 3 months later to violence. i was unable to work due to XXXX and XXXX and when i request help from my lender they turned me down. they tricked me into believing that they would place the outstanding amounts i could not pay to the back of my mortgage but as soon as the 6 months period ended they told me to pay all the arrears in full. i ca n't imagine a low incomes person like me how must i pay all that at once and i was n't even working at the time. I found a job later but was not making as much as i was when i was employed as a XXXX. right now i am working XXXX an hour and getting monetary additional help from my children who resides with me and pays me to live with me so i can more than take care of my mortgage at this time. i just need my lender to cooperate with me and help me remodify my loan to stop the foreclosure so that me and my children and grand children do not have to be another statistic of being homeless. please help me to help my family. someone i am crying out to you for ; help i do not want to loose my home i need a remodificaton please can some one speak to my lender they wo n't listen to me
Product: Debt collection

I applied for a home loan and found that Midland Funding had placed a collection account on my credit report without notifying me or giving me the opportunity to validate the debt. They also re-aged the debt. It was not incurred in 2014. It is past the statute of limitations and was charged off by the original creditor. It is uncollectible and Midland Funding is trying strong arm tactics and misleading info to force me to pay this even though I am legally not obligated to.