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

I told Experian, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX AND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report is not my address I never lived there or did not have that address ever. I have contacted them various times advising them this is not my address. There are credit and XXXX  loans associated to this address that is not mine However the credit bureau will say its verified but it is not because I never had those accounts or XXXX  loans or addresses. Please remove the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for I never lived thee or did not have any XXXX  loans please remove and any account associated with this address please remove from my credit report it is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the XXXX XXXXXXXX, and Equifax credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Checking or savings account

On Thursday XX/XX/XXXX at XXXX, I got and alert on my phone. The alert stated a transaction in the amount of {$120.00} at XXXX and XXXX gas station. I was alarmed because I was at work and had been at work since XXXX. I immediately went to my purse to see if my cars was there. It was. I then proceeded to call chime bank and dispute the unauthorized charge. I was then told I had to wait until it wasnt pending to open a dispute. On sunday XX/XX/XXXX the unauthorized transaction had gone through. I opened a dispute via chime app. I got a credit of {$120.00}. I was surprised that after only a few hours my claim was denied. I then called to open the case back up. The man said I could send on more info to support my case. I screen shotted my work schedule stating I was working. I dont believe they even looked into the dispute. I have never been to a XXXX and XXXX I shop at XXXX. If they looked they would see that. I requesred a copy of the evidence of how they came to their decsion. I re-opned the case. They toom back the credited amout of XXXX and my account is now negative. They also state they are apart of visa zero liability. That is a lie.
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 XXXX  XXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX OF XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Formal Complaint Against TransUnion for Failure to Remove Unverified Collection Account Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for failing to remove an unverified collection account from my credit report despite multiple dispute attempts. The account in question is as follows : Account Number : XXXX Original Creditor : COLLECTION ( No identifiable furnisher or collection agency ) Unpaid Balance : {$710.00} Status : Open Collection/Charge-Off Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX I have disputed this account with TransUnion multiple times, citing Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), which requires the credit bureau to disclose the source of the information being reported. However, TransUnion has failed to provide me with the name and contact details of the furnisher of this debt, meaning the account is unverifiable. 

Furthermore, under FCRA 611 ( a ), TransUnion is required to conduct an investigation within 30 days and remove any unverifiable information. Despite my repeated disputes, TransUnion has continued to report this account without providing any proof of its validity. 

This inaccurate and unverified information is negatively affecting my credit profile, and TransUnions failure to act constitutes a clear violation of my rights under the FCRA. I am requesting that the CFPB investigate this matter and take appropriate action against TransUnion to ensure compliance with federal law. 

I appreciate your prompt attention to this complaint and look forward to a resolution. Please advise me on the next steps to rectify this issue.
Product: Checking or savings account

My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account
Product: Student loan

This company baited and switched. The primary reasons i opted to go with Earnest was the ability to make biweekly payments. They sent out an email ladt week eliminating this option. Now i will pay more money, out of my own pocket. At least grandfather current customers into biweekly payments and change for customers going forward - that is the responsible, stand up thing to do.
Product: Mortgage

I was interested to hear about the recent settlement against Wells Fargo, because I have just reported to them what I believe to be fraud that has negatively impacted my credit. 

I co-own a house with my XXXX, who sent me papers from Wells Fargo in XXXX, which he claimed would remove my name from the mortgage. He was in the process of modifying the loan to add arrears and extend the term of the mortgage to lower his payments ( I have not entered this house since XXXX, he has managed it by court order since XXXX, and it was ordered to him in our XXXX XXXX XXXX XXXX XXXXXXXX ). 

Every paper I signed for Wells Fargo, with a notary stamp had the following clause under my signature : " XXXX XXXX XXXX signing solely to acknowledge this agreement but not to incur any financial liability for the debt ''. 

With these papers, Wells Fargo did modify the loan, did not remove my name from it and I now have $ XXXX additional debt on my credit report. I believe this is fraud.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX  Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXX XXXX XXXX XXXX ( I was never late on these accounts ) Names : XXXX Addresses : XXXX XXXX XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

This collection agency failed to communicate with me clearly via their website and through their customer service department during a time in which I set up automatic payments of my debt. This lack of communication resulted in payments not being withdrawn and the company reporting this to my credit without cause. They provided me with NO documentation so I have nothing to back up claims. It then took 3 weeks to get someone to call me back so that I could pay off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.
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. XXXX XXXX XXXXXXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Checking or savings account

I've signed up for this account with the promise of a high APY of XXXX. My money stayed there for 6 months and I receive 0.5 % interest for all this time. Tried to contact them, and I was told they would deposit the correct interest but they didn't again. No explanations at all. Looks like it is a scam and I see other complaints about the same problem
Product: Vehicle loan or lease

I have a car loan from a company I know as Bridgecrest. My complaint is that it is extremely difficult to pay down the principal balance of the loan. Their web site and their " system '' simply don't give principle payments as an option. Nor do they allow me to view a statement of the account. For me to make a principle payment I first have to go online and make a payment of an amount more than the next due minimum payment. By default their " system '' attributes anything over the minimum payment due to future minimum payments due. Next I have to call their customer service department and ask to have the the additional minimum payments due reversed and then paid toward principle. I am then told the process can take 3-5 business days and to check back with them to verify the change. Next, I will detail my most recent attempt at making a principle payment : On XX/XX/2021 I went to their website and made a payment of {$6000.00}. Immediately after, I called their customer serviced and asked that a regular payment of {$270.00} be made and that the additional {$5700.00} bet put towards the principle balance. I was told the changes would be made and to check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. Again, I called and was told my previous request had never gotten submitted but that it would now be. Again, check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. This time I was told the changes were in process but not yet complete. " Check back later. '' Today, XX/XX/2021, the site still showed no changes. I made yet another call. No explanation was given. They promised to make the changes and call me with updates. They told me it could be another 3 days. I asked for a statement of my complete payment history and was told it was available to me on their site. It is not, though they insisted it was. I asked that rep to walk me through the process of getting the statement online. She then put me on hold and transferred me to someone who she said could help me get the statement. That person didn't walk me through anything, she simply verified my email address and said she would send me the statement. Again, this could take 3 days. Still no solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXXXXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681XXXX XXXX for XXXX XXXX if these transactions are not immediately removed! 


I have uploaded my XXXX for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!
Product: Checking or savings account

money market and checking acocunt opened in my name I did not open these accounts TD Bank Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I was checking my credit report on XXXX XXXX at XXXX and it appears that XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX and XXXX XXXX XXXX account number XXXX are the same account.
Product: Debt collection

During the pandemic, the XXXX XXXXXXXX XXXXXXXX XXXX were unmanned and an XXXX was required or exact change in quarters. As I rarely travel on toll roads, when I did, I would not have the exact change and so intended to pay the tolls online. The notices slipped through the cracks as I was still moving households and paperwork was scattered. I would like to pay all the tolls but object to the usurious fees and fines and now my account is in collections. Can you please help resolve?
Product: Payday loan, title loan, personal loan, or advance loan

This loan has been paid off in full and is showing up on my credit report and my information was sold to a 3rd party company without my consent so Im asking for it to be removed Immediately
Product: Debt collection

I am writing to formally dispute a debt claim made by TEK COLLECT INC regarding an account with the original creditor XXXX XXXX XXXX XXXX, in the amount of {$1800.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, TEK COLLECT INC has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA )
Product: Money transfer, virtual currency, or money service

I submitted a credit application contract to XXXX XXXX XXXX XXXX  on XX/XX/year> for $ XXXX to purchase a new vehicle. The application is a security that was signed by the agent for the principal and transferred to Ally Financial. Ally Financial is registered with the SEC and says in their own prospectus that the credit applications are securitized, counted as receivables and traded. As the signer I have a security interest in the security and Ally Financial has refused to transfer the funds for the consumer to purchase a vehicle and kept the security committing securities fraud violating Securities Exchange Act and the Uniform Commercial Code.