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

On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from XXXX XXXX for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted XXXX XXXX and was advised that the loan was opened XX/XX/XXXX at a car lot in XXXX. I advices them that I live in XXXX and on this XXXX I was in XXXX Hospital XXXX XXXX XXXX from an XXXX XXXXXXXX  so it was impossible that I was in XXXX  at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from XXXX stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in XXXX  because I know for a fact I was in the XXXX  and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and Transunion. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. Transunion refused. I called Transunion four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX XXXX XXXX I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless XXXX removes the account Transunion will not be helping me. I also have a XXXX XXXX  because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in Transunion does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.
Product: Checking or savings account

On XX/XX/2024, an ACH transaction was sent to the wrong account, and Wells Fargo is taking no responsibility to fix the issue. XXXX XXXX XXXXXXXX said the funds would be returned if Wells Fargo would claw them back, but Wells Fargo is refusing to provide a trace number or address the issue. Wells Fargo is doing nothing to fix the money sent to the wrong account. Claim Number XXXX.
Product: Vehicle loan or lease

Complete amount was paid off. Now the Sierra credit States I owe another {$38.00} and they claim they sent a notice of this which they did not. The only reason I was even informed was due to me calling to find out where the pink slip of the vehicle is. This credit company even charges over {$6.00} to make a payment through either the automated system or on line. Also when I sent a check through my bank they would never cash is cash it causing my account late fees, etc.
Product: Credit reporting

I have closed accounts on my credit report that need to come off : U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) U S Department of ED ( XXXX/XXXX/XXXX ) Trans Union previously deleted items were added onto my credit report without prior written notification. According to FRCA Section 611. All items must be removed. They are listed on Trans Union and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Credit Card, opened on XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX  Credit Card, opened on XX/XX/XXXX. 
3. Two Nation Credit Systems accounts related to an apartment I never moved into : Opened on XX/XX/XXXX, with a balance of {$13000.00}. 
Opened on XX/XX/XXXX, with a balance of {$13000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : I am writing to dispute the following information on my credit report. I recently received a copy of my credit report and found the following inaccurate information reporting to my credit : Name : American Credit Accp. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently reviewed my credit profile and notice inaccuracies and/or incomplete information, and accounts that are inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current. If the furnisher makes an accommodation ; such accommodations defined as an agreement to defer 1 or more payments or forbear any delinquent amounts. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX ( XXXX ) XXXX  during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX  XXXX ( XXXX ) XXXX  declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 


That being said, I demand that all late payments reporting late on these accounts be updated to PAID AS AGREED, NEVER LATE, and the amount to report as current. If you neglect to update this information, I will promptly file a CFPB complaint. 

I await your reply. Once you have fulfilled my request, please mail me an updated credit report reflecting these changes. 


Sincerely, XXXX XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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

Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I have disputed inaccurate information on my credit report using the Metro 2 format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, On XX/XX/2020 XXXX and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to TransUnion, LLC ; XXXX, and XXXX  XXXX XXXX, XXXX, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to TransUnion, LLC, XXXX and, XXXX  XXXX XXXX, XXXX where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
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.

Account Name : USDOE/XXXX Account Number : XXXX has violated my rights. Or 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

This account is showing as a charge off. I do not believe the information to be accurate. I have disputed this with the credit card company as well as Experian and asked for records to substantiate the alleged status, and have not received either, from XXXX XXXX nor Experian. 

The account does not show on either of the other two bureau 's reports. I have been disputing this since XXXX of this year. Most recently Experian provided a response saying the information was accurate, but failed to provide any documentation to corroborate the story line. 

I have been receiving harassing calls from some 3rd party company, that apparently XXXX XXXX sold the account to..which is very concerning. How can XXXX XXXX write off the alleged debt as a charge off and then sell it to another company?
Product: Payday loan, title loan, or personal loan

I had a line of credit with Cashnet USA with a limit of {$2000.00}. From XX/XX/2018 to XX/XX/2018 I took out advances and made payments on this line of credit. The total of the advances was {$2500.00} with associated fees of {$250.00} and interest {$360.00}. Therefore I owed Cashnet USA a total of {$3100.00}. Over the same period of time I made payments totaling {$3300.00}. Thus I overpaid Cashnet USA {$190.00}. I have requested a refund in the amount of {$190.00}. I called Cashnet USA on XX/XX/2018 and was told that I would be given a detailed summary of my account transactions within 2 business days. On XX/XX/2018 I had an online chat requesting the details since I had not had any confirmation that the request was being processed from my XX/XX/2018 phone call. I received an email on XX/XX/18 that I would receive the information requested within 5 business days. On XX/XX/2018 I requested an update on the request via email. I received the breakdown report later that day on XX/XX/2018 from XXXX XXXX. The last three payments on the report stated the following : " On XX/XX/2018 we received a payment in the amount of {$400.00} On XX/XX/2018 we received a payment in the amount of {$600.00} On XX/XX/2018 we received a payment in the amount of {$170.00} '' All other payments on the report during the time period XX/XX/2018 to XX/XX/2018 were broken down in detail showing how much went towards fees, interest, and principal. '' On XX/XX/2018 I requested detail on the last three payments. On XX/XX/2018 I received a new report stating that the payments received on XX/XX/18 and XX/XX/2018 were applied to principal. I did not have a balance due to Cashnet on XX/XX/2018. I tried three times to get resolution over the phone on XX/XX/2018 ( I was told once by a representative that there were hidden fees and interest, the second call was disconnected when I asked to speak to a manager, the third call told me that this request was escalated to a manager however there was not a manager to speak to at that time ). On XX/XX/2018 I called the collection department of Cashnet hoping that a manager would be present, I spoke to XXXX. She was great and told me she would investigate and call me back. She did call me later on XX/XX/2018 and told me that I have overpaid and possibly it was more than {$190.00}. The lack of clarity on how my payments were applied and the conflicting statements stating I did not have a balance but still owed payments are very troubling to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, MB FIN SVCS add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts ; File XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/202
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Transunion requesting a reinvestigation and the Method of Verification for an account on my credit profile through Transunion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The bankruptcy court cant verify this data due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Mortgage

On XXXX XXXX, XXXX, I received a late notice from my XXXX indicating my account was past due and a late fee had been accessed. I contacted my servicer and informed them the dues needed to be paid, they indicated, they would research the problem. I have had a history of this servicer misapplying my escrow payments, paying them late, and in this instance not paying them at all. Be advised there are sufficient fund in my escrow account to cover said dues ( I also made extra payments to my XXXX account to cover the ongoing payment issues ). I was informed to the mortgage servicer payments to my XXXX account are paid in arrears. So my XXXX mortgage payment should have covered my XXXX XXXX dues ( The late notice is for XXXX, but that is because, I made an extra payment in XXXX to cover the XXXX dues ). I have had so many issues with Caliber Home Loans, I fear they just wont do the right thing. Please help.
Product: Credit reporting or other personal consumer reports

I have inquiries and accounts that were old and incorrect. I received an email from an old creditor that an account would be removed or closed and then I keep getting phone calls for the closed account. My information was being sold to other creditors for change off accounts. incorrect information on Experion and Transunion and Equifax. Data Breaches on incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX OPENED XX/XX/2021 AMOUNT {$190.00} XXXX contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.