23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. Here are the inaccuracies I have identified : Account Name : SAIL LLC Account Number : XXXX Reason : Account is settled Instruction : This account was settled with the furnisher. They told me you can contact them to verify this and then you will update it. If you are unable to do so, then remove this account from my credit report.
Product: Consumer Loan

I had a personal automobile loan with Wells Fargo Bank. I bought it used and as the car was now 9 years old, I decided to trade the vehicle in. I found a car I wanted at XXXX in XXXX XXXX, NJ. I traded the vehicle in on XXXX XXXX, 2015. I told the car dealer I had a payment due with Wells Fargo Bank but they told me not to make the payment as they already had the payoff and I would alter the paperwork if I made a payment. On or about XXXX XXXX I was called by Wells Fargo and they wanted to know why I had not made the XXXX payment on my loan. I told the individual that the vehicle was traded in on XXXX XXXX and gave her the name and telephone of the general manager, XXXX and sales man, XXXX, I dealt with at XXXX XXXX. Also, the sales man said they had called Wells Fargo to get a payoff when I signed my paperwork and that payment was in with the payoff. She said she would look into this but if they did n't receive a payment they were going to report me as a delinquent account. About 5 or 7 days later, I was again called by Wells Fargo about the car loan. I again told them the vehicle was traded in and additionally, the dealer already sold the vehicle I traded in. I asked them if they contacted the dealer and I was told it was n't their problem. I called the dealer and told them what was happening. They informed me that Wells Fargo never called them to verify my information as they said but they did have the payoff and it was already sent. I received a letter from Wells Fargo stating that the loan was paid off on XXXX XXXX. However during this time, they reported my account to the various credit bureaus as being 30 to 60 days delinquent.Naturally, they have now destroyed my credit score as it dropped XXXX points due to this reporting. The final insult was that I only had 4 months on this loan and never had a delinquent payment. Also, I had being making extra payments of {$15.00} to {$20.00} per month to pay the loan off ahead of time. I can upload and send my agreement of sale dated XXXX XXXX, 2015 if needed at a later time.
Product: Debt collection

I had submitted a public service forgiveness loan form for service starting XX/XX/XXXX and submitted this in XX/XX/XXXX. On my form it clearly stated " STILL EMPLOYED ''. Fedloan sent me a letter approving my PSLF and stated that the qualifying employment start date was XX/XX/XXXX and end date XX/XX/XXXX. I called Fedloan and they transferred me from their regular line to the PSLF line. The woman on the phone ( EMPLOYEE # XXXX ) stated that the " end date '' is indeed valid because when you submit the form that is the end date of your qualifying period. I told her that I was still employed and that did not make sense. I also asked her why the date of qualifying employment was XX/XX/XXXX and she fumbled to make sense of that and stated " I would just ignore that date ''. I refused to " ignore '' this since it is not the first time Fedloan has made SERIOUS errors on documents required for student loan repayment. I was then transferred to a supervisor after requesting this, and it was indeed an error on their part - and I quote - " simple oversight ''. This is far from a simple oversight. These " simple errors '' are SERIOUS ERRORS that impact hard working American 's financial futures. No excuses, and all of this occurring DURING A PANDEMIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 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 DDUpon 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 XX/XX/XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

HARLEY DAVIDSON FINANCIAL keeps putting a new account and account balance on a debt that was included and discharged in a bankruptcy and title has been released. 

XX/XX/XXXX a petition for bankruptcy was filed that included the loan for HARLEY DAVIDSON FINANCIAL, the loan was paid off for full amount through the bankruptcy and discharged in XX/XX/XXXX. HARLEY DAVIDSON FINANCIAL released the title to me and the motorcycle has been sold. Due to the debt being over XXXX years old it had been removed from all XXXX credit reports at which time HARLEY DAVIDSON FINANCIAL reported it back as a new account being opened with a balance. I have disputed the account numerous times with the credit bureau, and they remove it just to have it reposted by HARLEY DAVIDSON FINANCIAL. I have spoken with HARLEY DAVIDSON FINANCIAL on XXXX separate occasions and have been told that it should be removed and not be reposted and that they would take care of it. The new account being posted has negative remarks and drops my credit score by XXXX points each time, due to debt being discharged by a bankruptcy no negative remarks or actions are supposed to be posted on credit reports and HARLEY DAVIDSON FINANCIAL is repeatedly doing so.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these inquiries : Inquiries : Transunion : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify inquiries that aren't reported correctly.

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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

Failure to delete inaccurate, Incomplete, or Invalid information such as date, Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) Ask about method of verification or certification and company could not provide. 

Please remove accounts from my credit report. 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3000.00} Status Collection account. {$3000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts came back verified. 

I have never gotten any documentation on these and they do not belong to me. As per FCRA Section 609, Experian has failed to provide me with adequate verification. 

They also failed to investigate the item correctly and have not given me the procedures in how they made their investigation since these items can not be authenticated and I have never received any physical proof? 

Here are the items I am challenging : 1. XXXX XXXX XXXX / XXXX 2. XXXX / XXXX ... 
3. XXXX / XXXX ... 

I need to know who had the authority to report these to my credit reports since they rae completely out of line and these items have never been verified via proper signed documentation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Made loan application to GM Financial XX/XX/XXXX. XXXX received XX/XX/XXXX stating loan couldn't be approved " based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. '' Sent letter XX/XX/XXXX " requesting disclosure of this information under terms of the Fair Credit Reporting Act. '' XX/XX/XXXX, XXXX PST-phone call to GM Financial ; XXXX unable to take call due to high call volume. '' Called back @ XXXX ; on hold until XXXX ; XXXX transfers me to Funding Dept-GM Financial Americredit ; XXXX transfers me to Customer Service; I was instructed to contact dealership for my requested information. I decided to give GM Financial time to respond to my written request before proceeding. 

XX/XX/XXXX XXXX PDT-called GM Financial @ XXXX, the number on the original letter. XXXX transferred me to credit department ; I was on hold for four minutes, then got a busy signal ; called back at XXXX ; XXXX pm-agent tells me I must go through dealership. 

XXXXonline chat with XXXX XXXX, XXXX XXXX ; XXXX took my information XXXX promised call back from dealership ; XXXX from Sales called me, I explained the nature of my business, he transferred me to the Finance Department ; I got the voicemail of XXXX XXXX, I requested a call back , got no response. 

XXXX email to XXXX XXXX explaining my situation and XXXXequesting information-did not receive a response. 

XXXXsubmitted a complaint online at the GM Financial website. Their response on XX/XX/XXXX by email : Unfortunately, because we are an indirect lender, we are not able to discuss loan applications directly with customers. If the dealership is not able to provide you with any specific information about the reason for denial, you will receive a letter from GM Financial confirming that we were not able to approve a loan. That letter will contain instructions for obtaining the specific reasons for denial. '' XXXXSubmitted a second letter to GM Financial requesting a response forthwith to my request. I have not heard from them as of this writing. 

I am beyond frustrated with GM Financial.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effectively 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 fund transferred act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Twice now, XXXX has emailed me to tell me that the APY on my Savings account would be reduced the following day. This is a violation of Reg E which requires 30-days notice of adversary changes to account terms.

I wrote to support asking about this and the support agents were not educated in Reg E, stating we dont have a Reg E on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , MD  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I have been disputing  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  for over a year and to no avail they have not validated the debt that they are reporting to the CRA 's Experian and  XXXX .     I have received documentation that  XXXX   XXXX   XXXX  is now managing my account and they are soliciting information from me regarding the account to assist them with verifying and validating information they should already have.     It is also apparent that these companies are all entities of  XXXX   XXXX  and rotate the accounts around when they are demanded to validate it.     Correspondence letters that have been sent to me have inconsistent addresses and paperwork submitted as their version of verification.     I have also found that these companies have been suspended from collecting in the state of Maryland in which I reside. Proof will be in the attachments provided.      XXXX   XXXX  and  XXXX   XXXX ,  XXXX  need to be removed from my credit report managed by both Experian and  XXXX . Both of these CRA 's are in violation of FTC, FCRA, and FDCPA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Product: Debt collection

The company Resurgence/LNLV funding refuses to VALIDATE debt as requested. ( SEE ATTACHMENTS ) The company will not remove debt from my credit file. refusal to provide any competent evidence that the debt is legally and lawfully required to be paid by me. I delivered a letter via certified email with a list of documents that were requested and required to be given to me at my request and was sent an old bill instead with an incorrect name and address instead. The company now refuses to cooperate in accordance with the fair debt collection practices act. 
I can provide hard copies of all documents showing non compliance, As the upload function of the system here is not allowing uploads.
Product: Mortgage

I've already submitted a complaint about Truist on this topic, but the response Truist gave was to tell me that they won't fix their software to address the issues I'm experiencing. 

The complaint case number was XXXX, with complaint ID XXXX I was unable to pay my mortgage because Truist 's software was ( and still is ) unable to process payments. I managed to submit payments back in XXXX by navigating their automated phone system to allow me to pay my mortgage. However, they seemed to have changed some of their phone-based mortgage payment options, and it seems like this is no longer a solution. Thus, for me to be able to pay my mortgage, Truist needs to fix their software to allow me to make an online payment. In their mailed response to me, Truist encouraged me to continue calling them through their helpline. Every time I've done so, it's taken me hours and I really don't have the time to wait two hours in a single uninterrupted block once a month just to pay my mortgage. Truist claimed that they are having no broad-based issues at this time, but that clearly isn't true if I'm trying to make a routine payment and I'm unable to do so. 

I'm really not sure what I can do other than use vacation time and take time off work to call Truist, wait for hours for them to get through the backlog of other customers having similar issues with Truist, and finally get through to them and hopefully emphasize that I'm having the same problem with their software that I'm sure other people are having. I'm not sure if the CFPB has much power, but since I can't demand that I receive a new loan service provider my only option is to continue to submit complaints to the CFPB about Truist until they produce a functional banking software system.
Product: Credit reporting or other personal consumer reports

I PULLED MY REPORTS AND NOTICED SOME UNAUTHORIZED INQUIRES THAT WERE NOT INITIATED BY ME. PLEASE REMOVE AS A RESULTS OF IDENTITY THEFT.
Product: Credit card or prepaid card

My identity was stolen by my adopted son and he used one of my credit cards to obtain over XXXX in cash through a XXXX XXXX. XXXX XXXX has determined I owe the money even though I have filed a report with the Federal Trade Commission and have filed a report with my local Sheriffs department who have launched a criminal investigation.
Product: Checking or savings account

I deposited {$740.00}, into a citibank ATM branch and the ATM had issues and took my cash but did not register to my account. Theres an investigation, but now Im overdrawn and they will not hive me a condition credit until the investigation is done! I have been with Citibank for 20 years
Product: Credit reporting

There was an inquiry made by XXXX XXXX on XXXX/XXXX/2016 that was incorrectly reflected on my credit report. I contacted the creditor and received confirmation they would make the required updates. I also initiated an online dispute with experian and received a response stating they could not remove it because they are required by federal law to list all organizations that have requested your credit history. 
However, the hard inquiry shown is reporting incorrectly. 
I have attached the letter I received stating this would be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below three account do not belong to me, i have never done business with them, never received medical service from them and this is stopping from by buying a home and cause even more hardship during this horrible time during this pandemic. This info is on my credit report, I have tried to contact them and get no where. this IS FRAUD. 

Account Name XXXX Opened XX/XX/XXXX Balance {$190.00} Account # XXXX Account Name XXXX XXXX  Opened Date XX/XX/XXXX Balance {$470.00} Accoun # XXXX Account Name Opened Date XX/XX/XXXX Balance {$400.00} Account # XXXX
Product: Debt collection

I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( SYNCB/AMAZON ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

this showed up on my report and I have no idea where it came from. this should not be on my report as I am very careful with making and inquiries hard or soft. 

Institution Information CBCINNOVIS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.