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

There are inquires on my credit report that I did not authorize. I verbally gave my XXXXredit score to the dealership representative, explicitly stating that I did not want their company to do any credit check but inform me, based on my score given VERBALLY, if there is any chance that I may qualify due to the fact I was only weighing out my available options towards purchasing a vehicle if so decided. Also, there was no signature involved granting permission to access my credit report to any car loan lender. I wrote a letter to each credit bureau indicating this issue and nothing has been done as yet. Below are the attached documents sent to each individual bureaus indicating the specific hard inquires on my account.
Product: Credit card or prepaid card

I have sent several requests to CKS Prime Investments for verification of an account they are reporting to XXXX, XXXX, and XXXX for a XXXX XXXX credit card and have disputed with them and no verification was ever provided. CKS claims they have taken action that was never taken. Please provide proof that verification documents were sent within 30 days of XX/XX/XXXX when my first request for verification was sent to CKS Prime. Subsequent requests were sent to several operating branches of this company including CKS XXXX and Velocity Investments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My personal information was not legally obtained and The companys credit reporting is not legal and this matter requires escalation instead of a canned respond that does not sufficiently respond to my requests.
Product: Vehicle loan or lease

Wells fargo has broken many laws in regards to my Vehicle Here is the main law that is broken within the contact Usc 1605 : States that Life, accident, health and life insurance is supposed to be included in the Finance charge. This is not the case and this is a MAJOR VIOLATION! 


Usc 1635 : states that a consumer has a right to rescind the contract if certain guidelines aren't met. The creditor is to legally inform a consumer of their right to rescind and they have 3 business days. If the consumer is never notified, they have 3 years. On a recorded line Wells fargo stated, they dont have to follow these U.S. Laws. I sent my paperwork for rescinding the contract and ceasing and desists, but they have repeatedly denied it. I am following up with a lawsuit against wells fargo. 
They were just fined {$3.00} XXXX for deceptive business practices. I refuse to back down from a company who is still breaking laws. 

THIS CONTRACT NEEDS TO BE TERMINATED, REMOVED OFF MY CREDIT PROFILE AND THEY OWE ME MONEY BACK! 

Please read these laws for yourself! 15 USC 1605 15 USC 1635 I HAVE A PENDING LAWSUIT AGAINST THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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
Product: Vehicle loan or lease

Traded my used car for another used car and Westlake Financial still claim I owe on auto loan
Product: Debt collection

All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.
Product: Credit card

I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies XXXX Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.
Product: Debt collection

I have a debt collection when I was a minor. I asked them to remove it because it is not mine and because I was a minor and they stated no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card with XXXX XXXX XXXXXXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears on my credit report.
Product: Mortgage

I am going through a divorce and need my name removed from the mortgage. US Bank is supposed to send assumption forms for my XXXX to fill out and prove he can assume the loan. I requested these forms XXXX months ago. They said they were being mailed and I should receive in 10 days. Never got them. Called and was told they would email them. Never received them. Called a third time demanding a supervisor. Got a supervisor and shared how I have been waiting over a month for assumption forms. Supervisor said nothing he could do but he would email them and mail them out with guarantee I would get XX/XX/XXXX. Nothing came. I have no way of getting my name off the loan as they are not fullfilling my request and holding up my ability to buy a home :
Product: Checking or savings account

Wellsfargo opened an account in my name illegally. Ive been XXXX for XXXX and have not been to Wellsfargo nor have i ever opened an account with them.
Product: Mortgage

We have submitted a Loan Modification Request on XX/XX/2016 clearly more than 7 days prior to the sale date of XX/XX/XXXX in compliance with Rule 3.3. However. the lender, Wells Fargo, has not postponed the sale date or even put the file in review as of XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked you guys to look into this issues on my reports and nothing is happening. Please review the documents below
Product: Checking or savings account

In 2020 around XXXX I had my unemployment from Ohio deposit into my acct of XXXX $ and they illegally closed my account and never sent me a check or anything saying they were going to give me my money in a form of another check so I could cash it else where I'm still waiting for funds till this day
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Unverifiable Bankruptcy Information To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverifiable bankruptcy information that has been reported on my credit report. I have reviewed my credit report and identified the following bankruptcy entries which are both incorrect and unverifiable : XXXX XXXX Bankruptcy Reference Number : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference Number : XXXX Date Filed : XX/XX/XXXX The bankruptcy records provided by the court, which I have enclosed, confirm that these records should not be reported to credit agencies. Therefore, their presence on my credit report constitutes a violation of the Fair Credit Reporting Act. 

I demand that you immediately cease and desist from reporting this erroneous and deceptive information. Additionally, I require that these inaccurate entries be deleted from my credit report and all of your systems without further delay. 

Please be advised that if this matter is not resolved promptly, I will be forced to pursue legal action for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Credit Worthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00} The cumulative potential damages total {$6000.00}. This action is not intended as a threat, but rather a necessary step to ensure compliance with credit reporting laws and the protection of my rights. 


Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone over my file and I noticed that there were a few errors in file. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete/remove any other address from my file. The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX APTD XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I have an unverified account from XXXX XXXX Account # XXXX. Please tell this company to cease and desist all contact with me until I see the documents or some type of contracts and negotiable instrument.
Product: Debt collection

They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX -.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a XXXX.XXXX. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. TRANSUNION, LLC is refusing to send me the free annual copy of my credit report which I am entitled. Transunion is notorious for reporting wrong information on credit reports. I deserve to see my credit report to dispute ANY and ALL incorrect information.
Product: Credit reporting, credit repair services, 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 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 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 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inqu

iries 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 rea
sonable cause to believe that the information is inaccurate.
Product: Student loan

Navient had been emailing about needing to consolidate my loans. In doing so, the income based payments were a huge amount of money I could never afford and I still do not even have an increase in pay from prior to graduation. I am still working on a new position now that I have my degree. Because I could not pay the insane amount requested, I was forced into a regular repayment plan. Now I will not be able to have my loans forgiven after I have been with my employer for 10 years. Extremely frustrating and no responses to emails for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act RECEIVABLE MANAGEMENT GROUP  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Sallie Mae is not willing to work with my situation and offer me a payment that is suitable. Secondly, their account notices are incorrect. At the beginning of the month ( XX/XX/year> ) my dashboard inside sallie made told me I had until XXXX until I went into the separation / grace period and would start making payment. Then a few days later, sallie Mae actually informed me the payment are starting in less then 30 days. Overall Ive called several times asking if theres a way for us to work with each other & get my payment to a reasonable amount each month. The college hasnt even given me my degree yet because ceremony doesnt happen until this winter. So, I have no degree yet ( I finished the schooling and earned it, it just has yet to be disbursed ) but Im still expected to make full payments when I havent even got my degree or employment in my job force. Overall Sallie Mae is very unwilling to accommodate their lenders that have been loyal. At the very least, I would expect them to look at our income and make our payments based off that. Currently Sallie Mae wants me paying nearly {$400.00} a month to repay these loans, and then in XXXX it will increase to nearly {$700.00}. Thats totally not doable for me especially being I havent even got my degree to get my job!
Product: Credit card or prepaid card

On XX/XX/2023, I realized I physically did not have my card on me and took a look at my account and noticed some atm withdrawals were take out of the account that were not done by me. Then I locked the card from the app on my phone. A couple hours later I received a notification that someone tried to take {$400.00} out of my account. I called and cancelled the card, filed a dispute and let Chime know that I needed the money asap. Every time they suppose to give me a credit, they email me with a final decision within the 10days. They are just stalling and finding every reason not to give me my money. They also refuse to provide me with supporting documentation. Please help me get my money back. I have supplied them with several documents and enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Product: Payday loan

I went to Check n Go on XXXX and I was told that I needed to provide a paystub because the XXXX on file was over 30 days old. I complied with the request. I was also told that I needed to provide proof of an active bank account. I showed the representative my my bank account info from my smartphone. I 'm XXXX XXXX. I noticed a XXXX male ahead of me asked for a loan for {$420.00} and he did not have a paystub and he was told that 's ok you do n't need XXXX because the one we have on file is just over 30 days old. He also did not ask him to prove he had an active bank account. I feel I was discriminated against. Everyone should be held to the same standards and practices. I just wanted to bring this to the attention of management to ensure that lending requirement are consistent with all customers.
Product: Credit reporting or other personal consumer reports

I received no information, all disputes took over 30 days, credit bureaus remarks were " verified as reported ''
Product: Checking or savings account

I have been having a nightmare with Citibank, they closed both my checking and savings accounts since XX/XX/20. However, they are refusing to return my balances to me. Im so hurt and upset about this. It has been almost four months of countless calls, visits to the branch etc. All to no avail. I received an email from Citi stating that no funds were owed to me after the closing of my accounts. I have attached my bank statements and also my bill from XXXX that I have begun repayment on. The email also states that any funds received from XXXX would be returned to them. After contacting the XXXX, I was informed that no funds have been returned to them. Can someone please me resolve this matter? Thank you so much
Product: Credit reporting or other personal consumer reports

I new account from XXXX XXXX XXXX, claims I opened a account last year with XXXX mobile. Which is 100 % false, my information had to be used in order for this to happen. Last year the only mobile company I joined was XXXX XXXX XXXX and previously a member with XXXX XXXX XXXX for years I am requesting to have this account removed. I have not signed or had any business dealings with XXXX mobile. [ RE : Your Account Number ( if known ) ] I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s XXXX XXXX XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX