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

XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX, XXXX, AND EQUIFAX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX to purchase a vehicle. I was approved for a loan by Western Funding Inc. and purchased a XXXX XXXX XXXX, driving off the lot the same day. 

Western Funding Inc. never sent the check for the vehicle to XXXX XXXX, thereby not fulfilling the loan agreement. This voided the contract I had with them. 

The finance manager at XXXX XXXX, XXXX, failed to inform me that Western Funding Inc. did not fulfill the loan. Instead, he applied for a new loan with XXXX XXXX without my knowledge or consent. 

XXXX XXXX approved the loan and sent the check for the vehicle. When I returned to the dealership, XXXX had me sign new forms under the pretense of correcting previous errors, without disclosing that these were for a new loan agreement with XXXX XXXX. 

I continued to make payments to Western Funding Inc. under the mistaken belief they were the lender. After three months, I discovered the discrepancy when my credit score began to fall due to missed payments with XXXX XXXX. 

Despite closing my account with Western Funding Inc. after discovering their non-fulfillment of the loan, I have not received a refund for the payments made. Western Funding Inc. has been unresponsive and has provided conflicting information regarding the status of my refund. 

XXXX XXXX has threatened to repossess my car due to missed payments. I have made arrangements to get my payments back in good standing with them, but the lack of a refund from Western Funding Inc. has hindered my ability to settle this matter fully. 

Financial Damages : Payments made to Western Funding Inc. for a loan they did not fulfill, and missed payments to Credit Acceptance leading to threats of repossession. 

Credit Score Impact : My credit score has been adversely affected due to missed payments with XXXX XXXX. 

Emotional Distress : The stress and XXXX  caused by the financial uncertainty and threats of repossession.
Product: Checking or savings account

I opened a Capital One 360 Savings Account in XXXX of XXXX because they advertised that the account had some of the highest interest rates in the industry. However, in XXXX of XXXX I discovered I was only earning 0.3 % APY, very much below the industry average despite the marketing claims. However, I then discovered a product called the Capital One 360 Performance Savings Account was earning 3.9 % APY at that same time. At no point was this XXXX account ever offered or marketed to me by Capital One, and I only learned of its existence after seeing my incredibly low APY and reading Internet forums to determine what was going on. I was especially confused because the 360 Saving Account was entirely identical to the 360 XXXX  Savings Account except for the word XXXX  and the APY. 

With an initial principle of {$12000.00}, I estimate that I lost out on {$670.00} of interest over a period of XXXX years. As a young college student, that {$670.00} could have gone a long way in improving my financial security. 

Capital Ones marketing and business practices were intentionally deceptive and caused me real financial harms. Had Capital One made me aware of the new XXXX product or my falling interest rates, or automatically converted my account, I would have made the switch immediately instead of having to catch the discrepancy myself XXXX years later.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these items.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I anticipate receiving your response within this specified time-frame.
Product: Debt collection

A gentleman came in, he informed my parents he was looking for me. He told them if I did not pay the debt, I would go to jail. My parents were fearful of this illegal tactic, they cried the whole day. 
I need an apology from the debt collection agency.
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk. 
I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused. 

I contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported. 

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements. 

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureau collection item appeared on my XXXX XXXX credit report. I mailed a validation letter for the debt dispute. The debt collector failed to respond. I have no knowledge of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I keep receiving multiple text messages and multiple calls from true cord debt collector. I called and asked to please cease and desist any and all correspondence, and please to only contact me via mail. Even after this, I still have received text messages and calls. I even emailed the email that it says to contact and they still will not leave me alone.
Product: Credit reporting or other personal consumer reports

For the past few months, my credit report has been showing a collection account under the name CREDIT COLL ( XXXX ) that I have fully paid off and marked as paid, yet it remains on my credit history. I disputed the information regarding this account in writing, requesting the reasons for its continued presence on my report after the debt was settled. However, I have not received any response from the collection agency. Therefore, I decided to file this complaint, stating that the account is presenting discrepancies among the XXXX credit bureaus, which is even more concerning because, according to my research, the lack of information or inaccurate reporting among the XXXX credit bureaus constitutes a violation of 15 USC 1681e ( b ). The fact that it remains on my report as it is causes harm to me, especially since I have fulfilled my obligations to them in full. They are also violating the following sections of 15 USC : 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Mortgage

Carrington Mortgage has damaged my credit report. I need to get the correct information about my loan ( # XXXX ) sent to all of the credit bureaus. I have already tried twice to dispute the information through the credit bureaus and Carrington. The first issue is that the amount due is incorrect. My loan came from XXXX XXXX XXXX. I was able to get a forbearance with them in XX/XX/XXXX due to Hurricane Ida. Under those terms, I did not have to make any payments. Once it was transferred to Carrington, this became an issue despite everything I have said to customer service and the documentation I sent it in. Therefore, there should not be a balance of XXXX. The past due balance should be {$0.00}. The next issue is that Carrington reported that I have 3 missed payments of over 180 days. That is incorrect. I paid on time in XX/XX/XXXX and my loan didnt get transferred to them until XXXX XXXX It should state that I had 2 missed payments ( XXXX & XX/XX/XXXX ) of 60 days.
Product: Debt collection

This company failed to send me documents validating that i owe this debt. They informed me that they will be placing this on my credit report and damage my credit history. The company didnt give me proper notification to handle the debt. I get constant calls in which the phone hangs up when i pick up and say hello. I have sinced blocked the call because i was disciplined at my XXXX unit because they called during formation. I also checked my local secretary of state to see if this Company has a business license authorizating them to conduct business in the state of California and they dont. This company was hired by a slum management company to complete their dirty work.
Product: Checking or savings account

I was recently Incarcerated from XX/XX/year> thru XX/XX/year> During this time period my vehicle was stolen with my wallet and cell phone in it which I filed an insurance claim and police report. 

Whoever stole my vehicle got into my phone and gained access to my XXXX XXXX card account and various other accounts like cash app and other banking accounts, the XXXX account was the one I had my Insurance Payout going to for my insurance claim from XXXX XXXX XXXX, someone got into my account and transfered and spent over {$XXXX} out of my account, I filed a police report about this and contacted XXXX and explained what happened, they kept telling me that They can't do anything.because it appears that I authorized the transactions because of course they came from my phone, I told them there is no way I authorized them because I was in jail and my stuff had been stolen, they told me that I am at fault and they can't not fix helpe get back my money, they also lack customer service that I could even talk to on the phone. I SEVERAL times to explain to them show them.proof I was.in jail and that I did not authorized any of these transactions but they keep telling me that I'm at fault, none.of the transactions are debit with the pin they are l All transfers to cash app and credit transactions where you don't need any kind of pin and my accounts were all logged.into the phone that was.stolen with my wallet with the debit cards. I NEED TO resolve this its been months.of them not helping me and I.dont.know.what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that I previously disputed and had deleted reappearing on my credit report. It is illegal to reinsert information on my report without notice according to 15USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). This XXXX account was deleted from Experian on XXXX XXXX. Attached is a screenshot of the proof of deletion directly from my Experian account and the law about this reinsertion.
Product: Credit reporting

i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2023 I noticed I had a negative mark on my credit report undisputed these charges which are XXXX which are not mine Ive never lived at that address on file & its not connected to my credit report at any of the XXXX bureaus its the agency is still reporting a balance I spoke with TransUnion on XX/XX/2023 I was told that the account was verified I asked them how was the account verified I was told by my social security number and name I never done business with this company which is version I have never signed any contract with them I didnt even live in the state of XXXX XXXX when these charges came about the negative marks are hurting my report in this time of me trying to purchase a home I need this negative item removed so I can buy my home without paying high interest rates thank you
Product: Money transfer, virtual currency, or money service

Hi I have a account with coinbase and i hold funds in my account.i withdrawal XXXX euros from my digital coinbase account to my bank account on XX/XX/XXXX and they send me transanction ref number and told me that money will reach into my account on XX/XX/XXXX.but payment didnot come.then i email them that i didnot receive any payment.they told me that it could be delayed upto 10 working days.i waited 10 more working days but still money didnot come into my bank account.i emailed them many times but no reply. 
I making a complaint against XXXX XXXX XXXX.please help me to claim my money from coinbase My case ref number is XXXX My withdrawal ref is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just informed by Wells Fargo that the investigation could not find the error in their reporting due to lack of information they could find on a XXXX veteran program. After offering to provide said information I was told that the information was irrelevant ; the information is absolutely relevant. I need someone that is competent, to respond to my original complaint. With a little effort it will be obvious that Wells Fargo did not do right by me and that my original request is completely reasonable. Thanks.
Product: Credit reporting

rash Curtis & associate tel XXXX address XXXX XXXX I run my credit report in find out they had put me on collections explained the it was n't me they still keep saying it was me they had used somebody else information it linked with my I had a police report mailed to them and I had also disputed on XX/XX/2017 I had ask rash Curtis to send me all ER bills and you can see this person it is not me and they know that so I wanted to make a complained for this company run my identity not having enough proof they just because this person had the same name I did this is totally against the law my name is XXXX can you please help I could send the police report XXXX already has the dispute and I also have a copy so I dont't know what to do this people are not understanding I 'm been a victim a identity theft I have the police report and dispute but I need to scanned if you need it could be available for you as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed below : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX Balance Owed : {$1000.00}.
Product: Checking or savings account

Wells Fargo charged me for a minimum balance fee in my savings accout and was not told it existed. I moved money from my low yield savings account to my checking account and was cahrged. This is a systematically important bank ( XXXX ) and taking advantage of an implied US government put while offering little no no yield.I called them and no resolution occured. They were arrogant and impolite.