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

I submitted written request to XXXX, trans union, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.
Product: Credit reporting or other personal consumer reports

Texas Attorney General XXXX XXXX are illegally reporting to credit bureaus which violates my constitutional rights. All reporting needs to be removed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXXXXXX XXXX XXXX. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXXXXXX ( Original Creditor : 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 an 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

In accordance with the Fair Consumer Reporting act XXXX XXXX allege account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 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

In accordance with Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

I was informed via e-mail in early XXXX that I had a payment due for a credit card that I never applied for. I contacted the company, Barclays, and reported the account as fraudulent. Their agent said it would be done. A month later, I received another statement. I contacted them again and was told that nothing had been done, but an investigation could be opened. I was then informed that their investigation determined the account to be legitimate, and they refused to close the account. I requested they re-open the investigation and submitted proof of a data breach from the XXXX XXXX XXXX  website as the likely source of my stolen information to create the account, as well as my filing with the FTC for identity theft and a personal statement that the account was not opened by me. They continue to report the account as valid to XXXX, despite my request to have it disputed and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we returned our leased XXXX to a dealership in XXXX because our 3 year lease ended on that day. 
In XX/XX/XXXX I learned the the vehicle was never reported returned by that dealership and the dealership was unable to locate the vehicle. 
In XX/XX/XXXX we went to the dealership to find the car, but the vehicle was not found while on site. Later that day we received a call from the dealership indicating that the vehicle had been found and the dealership agreed to correct the problem. 
In mid-XX/XX/XXXX I received a letter from a collection agency regarding balance on the account. After speaking with the dealership this balance was removed. 
The issue is that the account seems to indicate that I had a past due amount from XX/XX/XXXX to XX/XX/XXXX, when the vehicle had been in possession of XXXX the whole time and there should have never been a past due amount on the account.
Product: Vehicle loan or lease

To Whom It May Concern : In XXXX, my vehicle was wrongfully repossessed by Wells Fargo. I communicated with Wells Fargo in reference to my payment and we came to an agreement on when I needed to make the payment to prevent repossession. I received a letter from Wells Fargo stating I had 10 days from the date of the letter to make the payment. 

I was able to get the funds to pay the balance of the loan, but Wells Fargo had the vehicle repossessed prior to the 10 days agreement and reported the repossession to the 3 major credit bureaus. I communicated with Wells Fargo in reference to the agreement, I was able to pay off the loan and they released the vehicle back to me. But, the repossession stayed on my credit report for 7 years. I tried to get Wells Fargo to remove the derogatory remark from my credit report but they refused. It was years before I was able to recover financially because of this derogatory remark on my credit. 

Now, Wells Fargo has been hit with a lawsuit for this very reason. Your company provided me with the following number ( XXXX ) XXXX to contact Wells Fargo. I spoke with one of Wells Fargo customer service representative, to find out who will receive the compensation and if I was eligible. She indicated they have not dispersed any money and they are still working on who is eligible and to call back within another month or so. According to XXXX, some of Wells Fargo customers have already received checks or credit. 

How can I find out if Im eligible to receive the compensation?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX. account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.
Product: Student loan

My loan payments began this month ( XXXX XXXX ) with Nelnet ( previously Great Lakes, switched to Nelnet prior to any payments ). I had everything arranged to auto debit my loan payment amount for the due date, but my payment was not auto debited and was then considered past due. I went ahead and made the payment at that time as I assumed the auto debit had an issue. I contacted customer service to inquire, and was on hold for a very extended amount of time ( see attached ) totaling XXXX minutes. I finally spoke with someone who informed me there had been an issue with the auto debits set up in XXXX and XXXX. She told me to cancel the auto debit I currently had and reset it up and it should work then moving forward. This was on Monday XX/XX/XXXX. While reviewing my checking account today ( XXXX ) I noticed my account was debited twice for my student loan ( XXXX transactions of {$190.00} ). Thankfully I didn't overdraft, but I know some may not be financially capable for this to happen. Upon calling today XXXX to discuss the issue, I was told the hold time was greater than XXXX minutes. My total wait time was XXXX hours ( see attached ). I was then informed that there was no issue at all with the auto debits and that it wasn't processed due to being a weekend due date and then a bank holiday the following Monday. She was very polite and incredibly empathetic.
Product: Credit card or prepaid card

Care credit is ripping us off. Our minimum monthly payment is XXXX we pay XXXX-150.00 per month. The bill went up XXXX in interest and we haven't used the card in over a year. They refuse to work with us were struggling and when I asked if our balance would ever go down they replied you can pay it in full. So no matter what I'm paying it doesn't matter. I wish you will look into this. I don't think this is even legal.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$XXXX} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report TD AUTO FIN is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
Product: Credit card

In accordance to the fair credit reporting act this creditor has violated my rights UNDER XXXX XXXX XXXX section XXXX states I have the right to privacy. 

XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account with out my written instructions. 

Under XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I had XXXX as my XXXX  loan servicer. They marked my account as being late in XXXX and XXXX in XXXX, in XXXX through XXXX of XXXX and in XXXX of XXXX. In each of these instances, I was either XXXX XXXX XXXX of was experiencing a hardship and had ask for a forbearance. What made it worst was that I consolidated my multiple loans with them into one loan, but they reported this bad information for each loan separately which has destroyed my credit.
Product: Mortgage

Company Involved : Ameris Bank, Mortgage Services Problem : Lender ( Ameris Bank ) is refusing to drop Private Mortgage Insurance ( PMI ) although I have reached conditions for dropping it as listed on my PMI loan disclosure. Repeated attempts to talk to a supervisor at their company have failed and lender considers the matter closed. I continue to be charged a monthly PMI fee. 

Mortgage PMI Information : According to my Private Mortgage Insurance Disclosure ( attached ), I have the right to request my PMI be canceled on or after either the date the principal balance of my loan reaches 80 % of the original VALUE OF THE PROPERTY. It goes on to state that the PMI will automatically terminate when my loan reaches 78 % of the VALUE OF THE PROPERTY. 

Steps I took : 1. XX/XX/2020 : I made an email request on the Ameris ( lender ) online account to have PMI dropped and giving relevant information. I did not receive a response. My mortgage principal had dropped to 77.9 % of the value of my home. 
2. XX/XX/2020 : I called Ameris to make the same request by phone. I was told that I could make a request that the PMI be dropped, but that it was up to them. I had the associate put in the request. The associate told me that they would get back to me within 5 days. I also asked to be transferred to a supervisor, however supervisor was unavailable. I left a message on the supervisors voice mail, but the supervisor did not return my call. 
3. XX/XX/2020 : I called again to the mortgage company because I had not received a response. I was told that my request was still being processed and would be completed on Monday, XX/XX/XXXX. 
4. XX/XX/2020 : I had still not received a response from lender, so called again. Was told that a letter had gone out on the XXXX ( in contradiction to the information I was given when I called on the XXXX ). The associate told me that the PMI request was denied because I did not reach less than 80 % of the amount OF THE LOAN. I read to the associate my disclosure statement saying that the amount only needs to be 80 % of the amount of the PROPERTY VALUE. She attempted to put me through to a supervisor, but again, a supervisor was not available. She assured me that a supervisor would call me within 24 hours, but that did not happen. 
5. XX/XX/2020 : I received an email from Ameris, stating that they mailed me a letter with their determination on XX/XX/2020. 

Resolution desired : 1. At a minimum, the PMI to be dropped. 
2. In addition, I believe that the amount paid for the PMI, since the time it should have been removed, to be credited to my account. 

Additional Information : I have excellent credit and have never missed a mortgage payment. My wife and I have been paying extra in order to pay down the principal and eliminate the monthly PMI payment. 

Loan was originally by XXXX XXXX, but then sold to Ameris.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Dear TransUnion Dispute Department, I am writing to formally dispute several inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to ensure maximum possible accuracy of the information included in consumer reports and promptly investigate disputes.

Despite multiple attempts on my part to have these inaccuracies corrected, the following accounts on my credit report contain inaccurate information related to the date opened and high credit : XXXX. XXXX XXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX XXXXXXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXX XXXX XXXX ( High Credit and Date Opened are inaccurate ) XXXX. XXXX XXXX XXXX ( High Credit and Date Opened are inaccurate ) XXXX. XXXX XXXX ( Date Opened is inaccurate ) XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Date Opened is inaccurate ) Each of these accounts contains inaccurate or incomplete information. I demand that TransUnion correct or remove these entries to ensure my credit report is fair, accurate, and substantiated as required by federal law.

Failure to address these inaccuracies within the legally mandated timeframe will leave me no choice but to pursue monetary damages for each inaccurate account that remains on my report.

Please send me written confirmation when these corrections are completed, along with an updated copy of my credit report.

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

I made a report to the company that they had put a negative score on my credit that I dropped more than 50 points and their response was that it took us more than 30 days to pay knowing that we always called them and our car was totally lost they did not respond to what I asked them and they are washing their hands I demand an answer according to the case that I already exposed
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as XXXX XXXX XXXX XXXX  account # XXXX and Santander Consumer USA account # XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested. 

15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors. 15 U.S.C 1681e States ( b ) Accuracy of report 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
.
Product: Checking or savings account

I have been banking with Sun Trust for 30 years and was scammed XXXX thru XXXX   and investment property. They set up websites and local law enforcement have tracked them to overseas and the states thru checking accounts with XXXX and XXXX XXXX. Both XXXX and XXXX XXXX have blocked all attempts to retrieve my money. XXXX XXXX will not answer the phone and could careless while XXXX says I have no recourse. I have accounts in all 3 companies, so basically they would rather harbor criminals that have violated the Patriot Act than help their own customers. I do not want the names of these people although they should go to prison but want these companies to investigate because someone came into their banks and opened checking accounts and committed fraud. I submitted paperwork to FBI but that was a joke. Secret Service says the case has to be XXXX before they can investigate. Local law enforcement does not have the time or expertise to track the case so we go to court soon. All I asked was for my company Sun Trust to perform a recall request on my behalf to no avail. It has been a year and they lied to me verbally and in writing thru the executive team saying they had performed the recall so the other banks would investigate. I tried to settle with the banks professionally but they would rather harbor criminals. I am in the process of going to court with all 3 companies so they can explain why they did nothing. My family, job and marriage was threathened if I went to the police they even said they would say the XXXX was for XXXX XXXX and to XXXX my wife. It is in the 383 pages of documents I submitted to the police. I am in the process of writing a book on the incident and using XXXX XXXX foreclosures to pay for ghost writer, court costs and private investigator. If this happened to your family what would you do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.
Product: Vehicle loan or lease

From inception of the vehicles lease, BMWs finance company has been allowing XXXX of the XXXX family to unlawfully credit their account with XXXX. XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX  XXXX from XX/XX/XXXX. The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Letter of Instructions were registered mail to The BMW Lease Trust XX/XX/XXXX Change of Terms Letter was registered mail to The BMW Lease Trust 1099a filing to the IRS and accepted.
Product: Credit reporting or other personal consumer reports

As credit report analysis date XXXX it was showing Capital One Credit card XXXX with balance of {$1300.00}, I called ( XXXX ) Capital One to confirm, but they found not records of this account, I want demand Capital One Credit Card to remove this negative credit inmmediatelly ftom my credit report.