23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Subject : Formal Dispute Regarding Account Reporting and Illegal Repossession ( XXXX XXXX - Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of the closed XXXX XXXX auto loan account ( Account Number : XXXX ) associated with my XXXX XXXX XXXX XXXX XXXX. The reported information is inaccurate and misleading, and the vehicle was repossessed illegally, further invalidating the reported balance, payment history, and account status. 

Disputed Information : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX Current Balance : {$13000.00} Highest Balance : {$15000.00} Monthly Payment : {$400.00} Opened Date : XX/XX/XXXX ( Term : 54 months ) Last Payment : XX/XX/XXXX Repossession Date : XX/XX/XXXX Payment History : Only 42 % of payments were reportedly on time, with 8 late payments at 30 days, 3 late payments at 60 days, and 4 late payments at 90 days. 
Status : Involuntary Repossession with remarks, Consumer disputes after resolution. 

Details of the Dispute : 1. Illegal Repossession : The vehicle was repossessed on XX/XX/XXXX, in violation of state and federal laws, including UCC ( Uniform Commercial Code ) requirements. This constitutes wrongful repossession and invalidates the alleged debt and account status. 
2. Misleading Remarks and Incomplete Reporting : The remarks Consumer disputes after resolution and Involuntary repossession fail to reflect the true circumstances of the account and repossession process. 
3. Payment History Issues : Reporting shows inconsistent data across payment months and no clear status updates, which violates Metro 2 guidelines for accurate and complete credit reporting. 
4. FCRA Violations : Under Sections 605A and 605B, information resulting from illegal activity ( such as an unlawful repossession ) must not be reported. 

Action Already Taken : On XX/XX/XXXX, I sent XXXX XXXX a certified letter disputing this account, its reporting inaccuracies, and the illegal repossession. To date, I have not received a sufficient response or resolution. 
Requested Action from Equifax : I respectfully request the following actions : 1. Conduct a Full Investigation : Review the accuracy of the reported information under FCRA and Metro 2 compliance. 
2. Remove or Block the Account : Due to the illegal repossession and inaccurate reporting, the account should be removed or blocked from my credit file. 
3. Provide Confirmation : Send written confirmation of the results of your investigation and actions taken. 

Additional Information : While I did not include identification documents in my original dispute, I am happy to provide additional documentation if needed. However, the illegal repossession claim and clear reporting inaccuracies should suffice for your investigation. 

Under the FCRA, you are required to investigate and respond within 30 days of receiving this dispute. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept Of Education Loan I have been a victim of identity theft In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXXXXXX ) 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.
Product: Money transfer, virtual currency, or money service

I received a fraudulent email asking me to wire funds to Bank of America Account. 

When trying to report it, Bank of America does not allow it unless you have an account at their bank. 

The account is most likely getting a whole bunch of less cautious folks money as I write this. 

I tried emailing XXXX and Calling their fraud department. I do not have an account with them, so can not stop the thief. 
Account given was : Bank of America XXXX XXXX, NY XXXX XXXX Acct Name : XXXX XXXX XXXX, XXXX  Acct No : XXXX SWIFT : XXXX Bank of America, N.A. XXXX XXXX, XXXX XXXX, New York XXXX
Product: Checking or savings account

Please reference CFPB Complaint # XXXX and Complaint # XXXX for any missing details and information. Also FTC report # XXXX. 

On approximately XX/XX/year> Chime and XXXX conspired to close XXXX accounts I opened with them. I was told that I violated the terms of the account agreement yet no one can specify which terms were violated. From my knowledge none of the reasons given apply to me and my accounts. 

Chime and XXXX alleges that funds were returned to the IRS ( the source of the funds ), despite a trace initiated by the XXXX XXXX XXXX XXXX using FS Form XXXX ( attached ) showing that the funds still sat with XXXX. 

I sent all requested documents and information to Chime and XXXX verifying the source of the funds, as well as my identity, however Chime continues to reiterate that their user account agreement was broken and that my funds are not eligible for a refund. 

I have attached several email threads detailing more of this matter and the correspondence between Chime, XXXX and me. At some point the company stopped even replying to me via email. I have filed complaints also with the XXXX, the FTC and the XXXX. I believe I also filed a complaint with the XXXX  XXXX XXXX office.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX- {$690.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o In the payment history its marked as late, but also a charge off they can not be the same o XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not. 
o The closed date has No info Experian : o XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o XXXX XXXX XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o Worst payment information says No info o In remarks it is indicated as charged off, but still has a balance which is not possible.

o In the Times 30/60/90 days late, it shows all XXXX but is charged off. Both are clearly not possible.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a toll free # XXXX, the person on the phone stated she was a process server and was calling in advance to let me know she would be serving me a summons she was informing me in advance to give me the chance to call the Plaintiff XXXX XXXX, before the lawsuit would be filed. I shared no information with this person and call the XXXX number the phone did not ring and went straight to music on hold, I held on for ten minutes. A person who would not identify herself answered and told me she would look up my file, she asked for my name and I told her XXXX XXXX. She placed me on a hold and when she returned she asked me if my ss ended in XXXX. I said how do you have my information? She started it was from a XXXX back account NSF fees of XXXX from XXXX. I explained that I do not have NSF fees of XXXX since XXXX XXXX bought out XXXX it looks like this is a scam, she then threatened me with a civil lawsuit and would proceed to garnish my wages. I told her I will file a complaint today with cfpb and insure that this scam ends today. I also called XXXX XXXX bank to confirm that this is a scam and as I thought XXXX XXXX has no NSF fees on file on my bank account that I have maintained in good standing since. Please prosecute these thieves who are impersonating lawyers and government offficials and threatening consumers with erroneous civil lawsuits.
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 XXXX XXXX XXXX, TRANSUNION, AND XXXX TO PROVIDE ACTUAL VERIFICATION DOCUMENTS USED IN REINVESTIGATION RESULTS ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX I'm demanding that the consumer reporting agencies XXXX XXXX TransUnion XXXX and XXXX to provide me by certified mail the actual documents provided by the creditor XXXX XXXX XXXX account # XXXX, that was used to verify the account showing debt of {$10000.00} to be accurate in there reinvestigation results. 

If consumer reporting agencies XXXX, TransUnion, and XXXX can not provide me sending me by certified mail with the actual documents of verification that was used in their reinvestigations. I demand that this account to be removed due to unverifiable 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 : XXXXXXXX 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.

1

5 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: Payday loan, title loan, or personal loan

On XX/XX/2018, CFPB provided me with response from PayPal Credit to my complaint about unwanted credit line. In the response, PayPal Credit indicates the line of credit remains open. Since I've earlier closed my PayPal account, I have no access to this credit line and have no way to close it via the website. When called on the phone, PayPal Credit requires the credit line account number that, again, I can not get from my closed PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - Shellpoint Mgt Loan # XXXX
Product: Debt collection

I was informed in XX/XX/2022 by Synchrony Bank that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed this alleged debt in a XX/XX/2022 letter to XXXX. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by Synchrony Bank. I asked that XXXX produce the relevant contractual agreement between me and XXXXXXXX XXXX/Synchrony XXXX XXXX XXXX that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

XXXX responded by providing the referral letter XXXX XXXXSynchrony sent to them. In correspondence dated XX/XX/2022, I called out XXXX for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. XXXX 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.
Product: Mortgage

Back in XX/XX/2020 I received a call from a XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX He asked if I was struggling to make my payments because of XXXX XXXX and I answered Yes. He claimed to be able to Modify my home loans with the same term and reduced rate of 2 %. He asked me to make three checks {$830.00} each for XXXX, XXXX, XXXX made out to Document Center. He told me not to make the mortgage payments until modification was complete. I found out that they were not doing anything and I had to contact the mortgage to get the modification completed. XXXX XXXX claimed that once the modification was completed I would receive the three payments back from government subsidies. That never happened and he refused to take my calls. He had his assistant XXXX XXXX call me but she didn't have any answers as to why I never got a reduced rate, why the term was extended to XXXX years instead of the remaining XXXX years and she had no idea about the government subsidies to reimburse the first three payment made to Document Center. The phone number that I have for XXXX XXXX is XXXX. The number I have for XXXX XXXX is XXXX & XXXX all of which go to voice mails I think all are cell phones. The email I have is www.modcenter.org and XXXX What has hurt the most is that my credit went from XXXX to XXXX because they never did any modification and the mortgage companies reported me as being late XXXX days. XXXX claimed that they would let the credit companies know that I was going through financial hardship and my credit would not be affected. They never did and my credit was hit. Because my credit is so low now I can't even refinance. The checks were deposited to Document Service Center account # XXXX They did two loans for Bank XXXX XXXX and two loans for XXXX XXXX which they ruined in the end. I was tricked and taken advantage of.
Product: Checking or savings account

Several weeks ago, I learned that Citibank locks some customers out of their accounts and refuses to release their money even if they show up with an ID. Citibank has procedures that will lock you out of all your accounts without consultation and will bar you from regaining access to your funds for 30-60 days, even if you show up in person with ID. My first notice wasn't a text or email alerting me to fraud. It was an email announcing that my account that I just opened and never used user than for depositing checks was blocked, immediately, and would automatically close, XXXX had no access to the {$2100.00} that had accumulated in my Citi Account. I phoned every number possible and all I get is Non-US based customer service representatives that I can hardly understand. They tell me the account was referred for closure on XX/XX/2022 and that it would take 30-60 days to conclude review. When I opened the account I transferred over {$100.00} then I deposited checks on XXXX ( {$800.00} ) and XXXX ( {$1200.00} ). Citibank took credit from these checks and I verified with issuing banks. This is a predatory business practice. Especially for people who live check to check. I am behind on rent because I can't access my {$2100.00} from that Citibank account. I never even used the card for any transactions so I don't understand how I could've even violated any terms. We are sitting on day 46 out of their apparent " XXXX '' day max review period and I haven't received a single answer from bank in regards to my questions.
Product: Credit reporting or other personal consumer reports

I have a credit freeze on my account with Experian because I've been the victim of identity theft. I recently applied for a new credit card so I needed to unfreeze my account. I tried calling Experian but they do not allow you to speak to a human ( their system doesn't permit it ). It's all automated, but it doesn't always work. Their automated system doesn't recognize validnumberskeyedin on thephonepad ( such as your social security number ). Even though I had entered in the right number, the system wouldn't accept it. I tried to transfer to a person but couldn't. the system says they only transfer you to a person in limited circumstances ( what that means is anyone 's guess ). I had to call back repeatedly. When I tried hitting " XXXX '' or asking for an agent or representative the system kept saying that's not a option, and eventually hung up on me. How can Experian be permitted to hang up on consumers? How can Experian not have people who can answer the phones? 

When one time I was able to reach someone, thepersonwas not based in theUSA. How can an organizationthat controlssuch sensitiveinformation not be based in theUSA? 

Lastly, why can't unfreezes be limited to a particular back or credit card company? The system only permits wholesale unfreezes, which means any bad actor can apply for credit in that open window. Consumers should be able to say please unfreeze my credit only for the XXXX  company.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/2023 Original balance {$490.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Debt Buyer Status Collection account. {$490.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXX  XXXX, SC XXXX Phone number ( XXXX ) XXXX The original account with credit XXXX bank was disputed closed and Account removed from my credit report a few weeks later this collection company pops up seeking sane debt that was disputed as fraud. I want this company removed from all three credit bureau reports.
Product: Credit card or prepaid card

XXXX confirmed a {$11000.00} overdue balance ( >120days ) from a Bank of America card fraudulently in my name. This has massive affected my credit and inability to open a new XXXX premier international credit card. I have NEVER done any business with Bank of America. Never visited any BOA branch, opened a BOA credit card, BOA debit card, or BOA bank account. I received a letter several months ago from BOA about an outstanding account. I called them to refute, spoke to a verified representative who said I did NOT have an account with them and to disregard the letter. This is Fraud, clearly. This is extremely distressing. The only banks I have used in the past few years are XXXX, XXXX, XXXX online, and recently XXXX. I do a lot online so assume someone stole my identity. I have no outstanding debts, no loans, no mortgages, and all credit cards on auto debit. I would not have defaulted on any payments. I know nothing about Bank of America and need this wiped from my credit immediately. I have also reported this to my brother, who is a business lawyer. XXXX said the last four digits of the account # is : XXXX. I have no other information since I never dealt with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and XXXX, as new servicer, was. 

Again, the reports submitted to the bureaus include negative payment history that is not to be included. 

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, XXXX. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file.

2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with Experian and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and XXXX, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Product: Checking or savings account

I have a capital one account, I received XXXX ACH Transactions for {$29000.00} {$36000.00} {$30000.00} once I received the payments from selling my equipment, my account said Your funds are currently not available for withdrawal. Please call us at XXXX so I called and requested a supervisor, they said my account is going to be closed they chose not to do business with me anymore, and I said okay when will I receive my funds they told me they do not know, due to investigation once their investigation is over they will send me a check with my remaining balance, then I said how long will their investigation take, they said they do not know, I told them its XXXX and I really needed these funds to go XXXX shopping and pay bills so I had to tell my family and kids that we couldnt have XXXX this year due to this problem, I just want my funds to be here now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Vehicle loan or lease

My vehicle was repossessed by XXXX XXXX XX/XX/XXXX a XXXX XXXX XXXX XXXX and it was the same day the company sent the Notice to Cure and the law states that I have 20 days to reply to that notice but I never received a notice and my car was repossessed that day. I called the company on XX/XX/XXXX at XXXX PST when I noticed that I was being billed twice and my due dates for my car note was suppose to be on the XXXX of each month. The representative hung up on me when she was trying to get ahold of a " manager '' after being on hold for 30 mins when I could clearly hear her in the background typing and listening to music. This company has a class action law suit against them for taking advantage of consumers like myself. Please help me.