23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, Experian ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am a rush can d prepaid debit card member. I have been effected like many others. But this has been a month that they have not be able to get my account correct. I have gotten my lights cut off, gas, had to pay late fees on my rent due to not being able to access my funds to pay my bills. This has been stressful, upsetting. I need results from this company. I live pay check to pay check I 'm not rich.
Product: Checking or savings account

Class action Suite with Wells Fargo submitting a claim recieved Several unwarranted Fees unnecessary Fees never compensated over several Years.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX, I notice that XXXX XXXX reported inaccurate credit information to the three major credit bureaus : XXXX, XXXX, and Trans Union. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to XXXX XXXX ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both XXXX  and XXXX  and Trans Union saying it was verified, but there is no verification, m according to furnisher ( XXXXXXXX ) under factor 3:12- fair and accurate transaction act, I'm entitled to the information that XXXX  allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )
Product: Credit reporting, credit repair services, or other personal consumer reports

Money Lion. Keeps reporting to my credit report that I owe them money. I have been trying to remove them off my credit report for years. 

I cant stress this enough I am a victim of identity theft since XXXX. A lot of accounts have been opened with my name and even unemployment has been opened using my name because of an on going case I cant get into details. But unfortunately money Lion cant provide me with signatures or proof about the account as many times as I contact them. I would like to receive them and have them delete their account off my credit report
Product: Checking or savings account

On XX/XX/2020 my XXXX XXXX account was compromised and this resulted in my XXXX account being charged. When I went to dispute the charge to Wells Fargo I noticed there wasnt an option to do so. Due to me not using my Wells Fargo account any more the balance was {$0.00} and this charge caused an over draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo, Thank you for your response to my concerns due to my identity theft report to the Internal Revenue Service. As you know, they will be requiring proof of filed forms for this said account. 
Part of the identity theft report is in response to filing a 1099-OID form and the unauthorized filing of this form for this XXXX account . 
This has not been mentioned by XXXX XXXX - the executive office case specialist or by the Claims Assistance Center. 

Both XXXX XXXX and the Claims Assistance Center have failed to respond to the question of; was a 1099-oid filled for this account? The grantor and beneficiary of this account is XXXX XXXX and Wells Fargo giving fiduciary responsibility to act in the best interest and benefit for XXXX XXXX. Wells Fargo was not given authorization to file this said form to the Internal Revenue Service. All actions taken for this account, are to be for the benefit of XXXX XXXX. Continuing to report the account as delinquent is a direct disservice to me and has harmed my ability to extend credit. 

The Claims Assistance Center sent a letter dated XX/XX/XXXX which I have attached. I have not claimed to need any temporary credit to this account. There should not be any activity on this account since it was Charged OfXXXX XX/XX/XXXX. This account is scheduled to be deleted from all consumer reporting agencies in XXXX and any activity to the account can restart that deletion. I want to be CLEAR that I did not submit a claim in the affidavit to credit this account. There has been no activity authorized by me to this account and therefore has been done fraudulently. 

Please note that the response to the affidavit was not a rebuttal therefore is a non response. 

Moving forward, all correspondence is to be responded through CFPB.gov, please cease and desist any and all communication through the mail, phone and consumer reporting agencies, unless it is for monetary compensation. If you continue to communicate with XXXX XXXX or XXXX XXXX through these mediums, violation scheduled fees will be applied and billed to Wells Fargo. 

XXXX XXXX XXXX XXXX  ) - this attachment was unable to be opened. You may resend this message if it is important. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous complaints I submitted with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} IXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have reviewed my XXXX XXXX and identified XXXX reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name : XXXX and number : XXXX ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Credit card

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy
Product: Debt collection

On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, XXXX XXXX XXXX XXXX XXXX and its customer service agents demanded a lump sum in order to release the levy on my XXXX  XXXX Savings Account. The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices. 
My Savings account currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt. 
These predatory practices must end once and for all.
Product: Debt collection

On multiple occasions, I have sent written requests to both XXXXXXXX XXXX XXXXXXXX XXXX. and XXXX XXXX XXXX representing Barclays Bank regarding the validation and verification of the debt they claim I owe. Specifically, my requests included : Validation of XXXX : I requested that XXXXXXXX XXXX XXXXXXXX XXXX. and XXXX XXXX XXXX provide the original signed agreement or contract that validates the debt they claim I owe. 

XXXX XXXX : I requested an itemized statement showing how the amount they are claiming was calculated, including any fees and interest charges. 

XXXX XXXX XXXX : I requested a copy of the original credit application that I allegedly signed when opening the credit card account with Barclays Bank. 

Terms of the Account : I requested the terms and conditions of the credit card account at the time it was opened, including interest rates, fees, and payment terms. 

Despite sending these requests via certified mail, which were confirmed to be received by XXXXXXXX XXXX XXXXXXXX XXXX. and XXXX XXXX XXXX, I have not received the requested information. This lack of response is not only unprofessional but also a violation of both federal and Maryland state laws. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, debt collectors are required to provide verification of the debt upon request. XXXXXXXX XXXX XXXXXXXX XXXX. 's and XXXX XXXX XXXX ' failure to provide this information is a direct violation of the FDCPA. 

Maryland Credit Act : The Maryland Credit Act requires creditors and debt collectors to provide clear and accurate information regarding the debt when requested by the consumer. XXXXXXXX XXXX XXXX XXXX. 's and XXXX XXXX XXXX ' failure to comply with this requirement is a violation of Maryland state law. 

Professional Courtesy and Ethical Standards : The lack of response from XXXXXXXX XXXX XXXXXXXX XXXX. and XXXX XXXX XXXX demonstrates a disregard for professional courtesy and ethical standards expected in the legal and debt collection industries.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$730.00} & {$740.00} & {$830.00} with MIDLAND CREDIT MANAGEMENT .This company is reporting fraudulent inaccurate information on my credit report with different balances for each one I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Product: Mortgage

This is the third complaint I have made to CFPB regarding this issue. 

Citizens has now said that we canceled the modification on two seperate dates. On XX/XX/XXXX a represenative in Loss Mitigation told me that there were notes on my file that I called on XX/XX/XXXX to cancel my modification. XXXX XXXX responding on behalf of Citizens ' to my CFPB Complaint # XXXX, states that bank records indicate I called on XX/XX/XXXX to cancel my modification. Attached is the 'No Oral Agreements ' page of the modification as well as my phone records for XX/XX/XXXX and XX/XX/XXXX. No call was made to Citizens ' or the VA. 

If the VA is communicating to Citizens that they can't use my original paperwork because of the error in numbers signed and accepted by all parties, then Citizens needs to write-off the mistake they made and honor the terms signed by all parties. Had they done this in a timely manner to begin with, all parties could have signed the new numbers and this would have been handled long ago. This is now 13 months of fighting to get this straigtened out. And there are a couple of significant reasons that we are not willing to complete an entirely new package. Number 1 - interest rates are significantly different than they were when this fully executed modification was put into place and we made eight payments as agreed on the modification. Number 2 - our credit score has taken a substantial hit due to Citizens ' errors. 

I received two letters both dated XX/XX/XXXX. One indicates that I have contacted Citizens requesting information regarding Foreclosure Prevention options and that XXXX XXXX would be my one and only contact person at Citizens. The second indicates that Citizens has received my request for Loss Mitigation assistance and my financial package that they are in the process of reviewing. Again, Citizens is contradicating themselves and providing information that is untruthful. At what point does someone take action and make Citizens fix THEIR mistakes without it having a substantial consequence to me.
Product: Student loan

I will like this account removed from my credit because I didn't give any written consent to a company or a credit bureaus, which refers to code ( 15 USC 1681B 35 ) this is a form of identity theft and I want this removed ASAP please and thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate credit report information. Specifically, I am concerned about collections and charged off accounts that appeared on my credit report. 

The information reported by : 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 These negative accounts don't appear to be mine and are inaccurate, as required by 15 U.S.C. 1681i, which mandates the reporting agencies to ensure the accuracy of information. I have also attempted to resolve this issue directly with Experian but have not received a satisfactory response. 

I request that the CFPB investigate these fraudulent accounts and facilitate their immediate removal from my credit report. These accounts do not belong to me, and under 15 U.S.C. 1681i, the credit bureaus are required to investigate and correct any inaccurate or fraudulent information on my credit report. 

I request that the CFPB investigate this matter and facilitate the removal of the inaccurate information from my credit report as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my accordance with the fair credit reporting & XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15.USC.1681 section 602. A states that I have the rights to privacy.

15.U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

4 credit cards were applied for under my name, social and home address that were not made by me. 

XXXX. XXXX XXXX - Monday XX/XX/year> XXXX. XXXX XXXX - Monday XX/XX/year> XXXX. XXXXXXXX XXXX XXXX  - Monday XX/XX/year> XXXX. Capitol One - Monday XX/XX/year> They used my name, address and social, but used a different phone number reading XXXX. 

I'm very concerned for the safety of my finances. This identity theft needs to be stopped
Product: Credit card

I disputed a purchase because the items were received broken which warranted a refund. 27 days later, PayPal responses and informs me I have 2 days to provide proof of the return product. However, there was no accompanied invoice so I had no return address available. It was over the weekend, so I waited until Monday to contact the seller ( XXXX XXXX ) via email. The seller 's response was to keep the product as a good gesture. LoL!. In the meantime, PayPal closed my dispute and said " QUOTE '' Because the investigation into your recent case has been closed you are responsible for the purchase amount, including any interest charges '' " END QUOTE ''. They basically told me this was not their concern. I'm now in the process of attempting to seek a refund through the seller who I initially contacted but was told since I filed a dispute through PayPal ( chargeback ) they ( PayPal ) would be the ones to provide the refund. As noted, PayPal told me to go pound sand!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now CFPB complaint number 4. Yes, this is the fourth time I have submitted a complaint against this company. Although we have made VERY LITTLE progress they're still violating our consumer rights! My daughter and I called, faxed and emailed this company over 30 times within the last 3 months requesting that they mail us BOTH a FULL, COMPLETE, PRINTED COPY OF OUR PERSONAL CONSUMER REPORTS. WE HAVE NOT RECEIVED THEM! We did  receive a PARTIAL report from them in XX/XX/2020 which we later learned was NOT the completed report. We were advised over the phone on countless occasions that we have more than ONE consumer number! We have requested that the company DELETE, REMOVE, DISPUTE AND SUPPRESS ANY AND ALL DUPLICATE FILES! We have requested this via email, telephone and now fax! We have literally sent over 30 faxes to this company. We have began faxing all correspondence that we received from them beginning in  XX/XX/2020 along with the copies of the CFPB complaints and emails that confirm that our files should be deleted AND suppressed. The company has refused to send us BOTH OUR OWN PERSONAL SEPARATE copies. It has been OVER 90 days since we requested our consumer reports and still have not received them. It has been over 30 days since we began the dispute process and have not received updated results nor an updated copy of the consumer report. They claim that some information has been verified and validated but never sent us the proof of verification. What was verified? With who? Where are the verified documents? What agency or company verified the information? The reason for my continued complaints is to build a paper trail to make my lawsuit easier to win when I show proof that the company is fraud! The contact person XXXX XXXX is a liar! She barely responds to the emails and when she does, it's not specific and she doesn't actually answer any questions that are being asked of her. Too much time goes by before she actually responds with no information. Just a waste of time talking and emailing her. I have recorded calls and fax transmittal 's. This company 's credibility should be monitored and investigated more thoroughly. Inquiring about starting a class action lawsuit as I'm learning that my daughter and I aren't the only individuals that are experiencing these issues with them. WE HAVE CONTINUOUSLY REQUESTED TO HAVE ALL DUPLICATE, INCORRECT CONSUMER NUMBERS AND CASE NUMBERS REMOVED, DELETED, DISPUTED AND SUPPRESSED! ALL DELETED FILES SHOULD BE SUPPRESSED TO ENSURE THAT THEY ARE NOT ADDED BACK TO THE CONSUMER REPORT!
Product: Debt collection

The problem Im having on my credit report some debt has been posted twice for some companies Ive tried to dispute it through the consumer but no luck some debt has been closed and charged off by the creditor but Im still receiving calls from collection agents and emails threatened to be sued and taken to jail Ive emailed an asked to be taken off the call list but Im still getting repeated calls and emails just trying to figure out what is it that I need to do XXXX  amount {$120.00} I do not owe but its on my report Ive tried to dispute it was deleted then put back on my report XXXX the amount {$290.00} have no idea whos the creditor XX/XX/year> amount XXXX has already be charged of but Im still going calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.