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

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the three reporting agencies XXXX, Transunion and XXXX to reinvestigate these accounts. However, they stated that everything was complete and accurate. But how can that be possible if the open date and date of last activity and other items are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts not reporting accurately.

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 without my written instructions.

15 U>S>C 1681 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 that report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any reporting agency if a person knows a or has a reasonable cause to believe that the information is inaccurate.

Also, they are not even in compliance with metro2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for XXXX XXXX with a balance of {$5000.00} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.
Product: Mortgage

I pay my mortgage on or about the 1st of every month via my bank 's online bill payment portal. On XX/XX/XXXX, my account was debited by Atlantic Bay for the full amount of my mortgage payment, but Atlantic Bay did not post the payment until XX/XX/XXXX, a full 20 days later. 

This had at least two negative effects on me : ( i ) Atlantic Bay assessed me with a {$100.00} late fee ; and ( ii ) posting my payment late affects my interest calculation and increases my finance charge. 

Further, Atlantic Bay either benefits from the float of debiting my payment 20 days before posting it against my mortgage, or has inadequate controls around its payment processing operations. 

I reported this to Atlantic Bay, and specifically addressed my complaint to its Chief Risk & Compliance Officer, XXXX XXXX. Atlantic Bay removed my late charge, but it did not change the date my payment was applied. I have not heard back from Ms. XXXX or Atlantic Bay about why my payment posted 20 after being debited. 

Upon further research, this appears to be a systemic issue for Atlantic Bay. In addition to posting my XXXX payment 20 days late, Atlantic Bay : ( i ) debited my XX/XX/XXXX payment on XXXX but posted that payment on XXXX - 8 days later ; ( ii ) debited and posted my XX/XX/XXXX payment on XXXX - not posted late ( however, Atlantic Bay 's ability to debit and post my payment on the same day makes its practice of posting payments late seem either intentional or that Atlantic Bay does not have sufficient compliance functions or controls ) ; ( iii ) debited my XX/XX/XXXX payment on XXXX but posted on XXXX - 3 days later ; ( iv ) debited my XX/XX/XXXX payment debited XXXX but posted on XXXX - 2 days later, ( v ) debited my XX/XX/XXXX payment debit XXXX but posted on XXXX - 8 days later, ( vi ) XX/XX/XXXX payment debited on XXXX but posted on XXXX - 3 days later ; and ( vii ) debited my XX/XX/XXXX payment on XXXX but posted it on XXXX - 4 days later. Had Atlantic Bay posted this payment when debited ( XXXX ), I would have been able to deduct the amount of interest from my XXXX federal income taxes.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Us Auto Sales has been a terrible company from the beginning. Turning off our vehicle through gps even when we paid on time or told them when we would be able to pay. All new and old information given to Us Auto Sales including new job, new pay dates due to my job being bought out by new owners. Or new car insurance company were never reported or documented. Now with Us Auto Sales going out of business in XXXX. They failed to inform us of who is taking over our loan. I then finally stumbled across an email in late XXXX, XXXX only with the details of my car. I only paid my bill once for {$200.00}. Next bill I received was over {$2000.00}, I then called and emailed WestLake Portfolio Management because this is who owns the contract now. I asked them where did this balance come from an extra {$780.00} versus {$200.00} not even a month later. They in turn told me they would call or email me back in XXXX business days. Never received a call or message. I didn't pay a month of a car note. No one in their right mind wouldn't pay a bill that didn't make any sense. Next thing I know my car is repossed. I obtained a lawyer but I am unaware of what to do now. They double charged me for crazy things like paying my bill and looking at my billing statement. Please help me figure out this. I want my truck back that is already mine I'm just paying for a warranty now that is non existent. I want my money back and my truck. This is unfair.
Product: Credit reporting or other personal consumer reports

The company states that they are an indirect automotive finance company, is not related to the dealership, XXXX XXXX, or any other dealership, was not present at the time of the transaction, and did not participate in any of the negotiations therewith however, as the XXXX, they bear responsibility for the terms and conditions of the loan contract they administer, therefore should be considered responsible for the high pressure sales tactics that the dealership used in order to enter this contract. Again, I was misled by the salesperson regarding the inclusion of the trade-in balance in the new car loan. The discrepancy between the salesperson 's representation and the actual terms outlined in the contract should not fall on me as the consumer. The co-signer witnessed the tactics that were used and was also misled by the salesperson. How can a contract that is entered with 1 party being misled be valid? A misunderstanding such as this indicates a lack of transparency or potentially deceptive practices for both the dealership and the company used to assign such contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXX XXXX Account number XXXX XXXX XXXX XXXX : Capital one Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX & 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: Credit reporting, credit repair services, or other personal consumer reports

Just got off phone with Transunion. Once again lied and stated they sent the factor sheet explaining their credit score. It was not included and they will not give it to me. How can they judge me and not tell me how. XXXX ( supervisor special handling unit ) was most uncooperative, stating I had to pay {$9.00} to receive factor report. I demand an explanation and documentation on their scoring system and increase of my score. Countless inquiries made to my report without my knowledge. Had fraud alert on account in XX/XX/XXXX but they did not continue it and I asked for a security freeze, which I bet they did not do. ( agent in XXXX ) I want this corrected. No one is to check my credit and drop my score.
Product: Student loan

I have received this email regarding my student loan. I have been paying Arete Financial Group $ XXXX   monthly. 
This is the email : Lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, XXXX. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX XXXX XXXX RNT DEBT XXXX. We have disputed the account.
Product: Credit card

I am disputing the collection account with CREDIT COR account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDIT COR, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXXXXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the XXXXXXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXX XXXX account # XXXX. The FTC report is attached to this complaint.
Product: Money transfer, virtual currency, or money service

Wells Fargo closed the case and I had no help. As a customer of this bank, I demand that after all the evidence of fraud that they have given me and I send said evidence to the fraud office, I demand that they be responsible for paying the money that I was robbed, I have several late payments for my son 's school, my credit is destroyed because they do not want to help me, as a customer and American citizen I report once again to Wells Fargo because they do not help me resolve my situation.
Product: Vehicle loan or lease

I paid off my car on XXXX ( with a small overage... ). The website promises that the lien will be released and the title mailed three business days after being paid off with XXXX. I called in XXXX business days later and was told the lien was going to be scheduled to be released and the title sent on XX/XX/XXXX ( not in compliance with their own website, but still, fine... ). The individual that I spoke to when I called in confirmed that I had in fact paid a sufficient amount to release my title when I paid off my loan. 

The lien is still not released as of XX/XX/XXXX on the Illinois Secretary of State 's website. 

This is the second time that Wells Fargo Auto has done this to me! I shouldn't have to submit a complaint to get Wells Fargo Auto to do their job and give me the rightful clean title to my car after I pay off my loan. 

Warning to consumers : don't get an Auto Loan with Wells Fargo Auto. They won't treat you fairly or in compliance with their own stated rules when you pay off your loan.
Product: Checking or savings account

BANK OF AMERICA IS CHARGING ME XXXX FOR MERCHANDISE I NEVER RECIEVED OR PURCHASED FROM AN ALLEGED MERCHANT WHO PROVIDED FALSE AND BOGUS DOCUMENTATION TO BANK OF AMERICA. I NEVER PURCHASED OR RECIEVED ANY MERCHANDISE FROM THIS MERCHANT. BANK OF AMERICA HAS A PROPENSITY OF ENGAGING IN THIS ILLEGAL AND UNETHICAL BANKING PRACTICE.
Product: Money transfer, virtual currency, or money service

I was scammed by a person claiming to be a company who would ship me a product. I paid him using cashapp his tag is $ XXXX. I paid him first for {$310.00} and he said he would refund {$110.00} dollars back after the shipment goes through. Then he asked that I pay another {$550.00} for a particular type of stamp which he said would refund {$520.00} they just needed to hold the full {$550.00} until the package delivered. So I ended up sending this person {$860.00} dollars total. Then they asked for {$1100.00} more money and some would be refunded, at this point I realized I was being scammed. I asked for my money back and they stopped returning my messages. I contacted cashapp and they said they can't help me. But when I asked for support from cashapp, these two transactions were still showing as pending on my end so I thought they should be able to stop the transactions but they didn't get back to me right away
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have recieved multiple calls from ARA Incorporated out of Illinois. They call from XXXX. She reads off my entire social security number then tells me I owe XXXX or Household {$2700.00} from an account that was opened in XXXX and I stopped paying in XXXX. I told her it is not on my credit report and I do not owe that money. She said they have mailed me letters 3 times but I never received them. I asked to to read me my address but she would not and I did not give it to her. Then she asks for my email but I did not give it to her. She then said I owe the debt and since it is passed the Time Barred that she will take me to court and get a judgement on my credit. I do not owe this debt. And if I did from so long ago my ex wife filed bankruptcy Chapter XXXX in XXXX to start fresh. They even told me that under FTC laws they bought the debt legally and can call me anytime to try to collect.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate on XX/XX/year>XXXX  with a certified letter which never get any information about it which is a SECOND VIOLATION Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - I'm requesting from you because you guys never sent me how you certify and verify those account below.

According 15 USC 1681E ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasorable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to the Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611 and Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Personal information : XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately. 
Accounts : - XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) - XXXXXXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX  This account is not showing maximum possible accuracy according to XXXX XXXX XXXX ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b )-