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

I applied wit h BMW for a l ease and loan. My  XXXX  and  XXXX  reports were frozen due to fraud. I have a  XXXX  FiCO on  XXXX . They pulled this score twice  in one day sta ting it was not the score fico or   XXXX   was reporting. Come to find out they were using   XXXX   XXXX   ... then the lender demanded I unfreeze my  XXXX  or I would not be consider at all. This was after I have dr iven 10 hrs a nd mislead that I have already been approved and everything was situated. I was mistreated and feel as I was discriminated against in regards to my score being devalued and not honored fete being pulled. The finance  manager treated me like a second class citizen and made clear he had deals he had to do. Furthermore it was said BMW w ould not approve anyone off a  XXXX  score and after speaking to several other dealers this was false.
Product: Debt collection

My father died on  XXXX   XXXX ,  2016 . When I called to info rm Capital One B ank, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the year    2016  so I can see exactly when they added my name. I believe it was in  XXXX ,  2016 . I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.
Product: Payday loan, title loan, or personal loan

Omni Financial has taken out funds by Allotment. According to the law they are not to do so since I am in the military as an XXXX member of the XXXX XXXX. They loss a lawsuit recently about the military pay act alongside other laws that makes this illegal. At this time Omni Financial is still taking out {$400.00} by allotment every month from my XXXX XXXX pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several written requests to TransUnion to remove erroneous accounts and information from my credit report. It has been almost a year since I sent the first letter, and to date, they have not removed the information or provided valid proof that the information or accounts are correctly reporting. I sent the letters certified on XXXX occasions to make sure that they received them ( XX/XX/22 and XX/XX/22 ). Both times, I was able to verify that the letters were delivered to TransUnion. And, both times, I did not receive a response. I even waited past the 30 days that they are allotted to review and respond. I have given ample time for them to review my request and rectify the situation, but, they either do not respond, or they state that the information is correct as it is reported. I have provided all of the information to them that my credit report shows, and I provided my credentials to verify my identity and address. At this point, I am lost on how to get them to fix these errors they continue to report. I have attached all of the letters I sent to them for your reference.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent inquiry on my credit report, specifically the hard inquiries from CBNA dated XXXX, XXXX. I did not authorize this inquiries and I am a victim of identity theft.XXXX  has complied and proceeded to remove the following inquiries from my credit report all while XXXX chooses to willingly participate in fraudulently activities.All of the exhibits needed are will be below. 

Despite previously disputing this inquiry, I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into disputes. Your failure to do so constitutes a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX This is error on my credit report. I was never late on this account. Please provide " Method of Validation '' for late payments. Otherwise, please correct. 

Method should provide the steps that were taking to validate I was late with proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown inquiries on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries immediately : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an account that was not reporting accurately. I had 5 late payments on the account that was in fact paid on time from XX/XX/XXXX to XX/XX/XXXX. It also stating my last payment was XX/XX/XXXX but is being reported as 150 days pass due. The consumer report and agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/XXXX to XX/XX/XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding these payments be reversed to paid and on time as agreed and never late of the following accounts : XXXX Account Name : XXXX  XXXX Account Number : XXXX EQUIFAX Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit card

I have a paypal credit account I took out a paypal credit for {$3800.00} and made a deal to pay it over the period of 6 months with 0 % interest. Now I have paid in full the balance and took a new Paypal credit out for approximatley {$3400.00} with the plan for 0 % interest over six months and they have now closed my account and stripped the deal from me demanding me to pay the full balance within one month with no warning.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Majority of the information on my TransUnion, XXXX, and experience credit report is fraudulent because it's incorrect information and amounts. And also the credit unions are a fourth party creditor. I did not give the third party an Express consent in order for them to put anything on my credit. The contract is between me and one other party and it is against the law for them to send my information to a third party without Express consent. So not only am I trying to get them took off for fraudulent information but to be opt out of their system that I did not give them permission to opt me in due to security breaches that they had within their company that allowed a fifth party to get a hold to my personal information. I believe that this fourth party company that obtained my information illegally is a wrist for my personal information.
Product: Payday loan, title loan, or personal loan

I was informed to reach out. I had a loan that I paid off for my XXXX XXXX that I purchased in XXXX when I got back from my tour in XXXX. 

The loan was from Wells Fargo. I recently read an article that they are paying people back who had auto loans through then between the years is XXXX - XXXX for increasing interest rates and various other reasons. 

I wanted to see if I was eligible for any return or payment during the time I had my loan and paid it off. 

XXXX XXXX XXXX Thank you
Product: Credit card or prepaid card

On XX/XX/2018, opening my email I discovered a notice from Bank Of America confirming a XXXX dollar transfer to XXXX XXXX. This was not authorized by me.
Product: Credit reporting or other personal consumer reports

TransUnion has several accounts of my credit report that have been charged off/closed/paid. Since I was never provided with a 1099c tax form showing how these cases were handled, there is no way of disputing the accuracy of the balance owed regarding said accounts, which remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  XXXXXXXX XXXX XXXX XXXXXXXX details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Identity theft reported from a data breach from MICHIGAN Unemployment agency data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX  XX/XX/2016
Product: Checking or savings account

Without any prior warning or communication, Chase Bank abruptly closed my checking account, which I have maintained for several years. I received a sudden notification indicating that they were protecting me from potential fraud and that my accounts might be closed. Upon contacting the bank, I was informed that my account was being closed for undisclosed reasons. I am now unable to access my funds, and the bank stated they would send me a check for my remaining balance within 10 business days. Additionally, I was told that I would never be able to open an account with Chase again. When I visited a branch for clarification, I encountered the same unsatisfactory responses and they refused to provide my remaining balance in cash, insisting on the check instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter on XX/XX/XXXX to remove personal information from my consumer report. According to the fair credit reporting act 12 USC 1681 ( read a then b ) I have the right to privacy. Also according to 15 USC 6802 ( b ) ( c ) No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights and you are causing harm to man
Product: Checking or savings account

Wells Fargo charged me over XXXX $ in non sufficient fund
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect late payments on the account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like the documents used by each consumer agency that proves I was indeed late with this payment. This late payment is hurting my consumer report and causing me to be denied credit. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

On XX/XX/2019 I was the victim of a computer scam. My XXXX  card was charged {$470.00} by XXXX XXXX. I never bought or received anything by XXXX XXXX. I was forced into this situation by XXXX XXXX at XXXX who fraudulently passed himself off as XXXX Customer Service and who took remote control of my computer. I later found out this number was not XXXX and XXXX never worked for the company. 
I called XXXX immediately after the charge was made to stop it and explained what had happened. I was assured the {$470.00} would be put in dispute status and the matter would be taken care of. I was supposed to get a dispute form sent to me- it never came. I called XXXX again and another dispute form was supposed to be sent to me- it never came. I called again and found out no forms were send to me but that the matter was taken care of because it was fraud. On XX/XX/2019 I got an email from XXXX saying the dispute was closed and the charges were valid. I called XXXX and was told to send a letter to the disputes dept. if I disagreed to reopen the dispute- which I have done. 
XXXX has handled this complaint very badly and ineffectively, never getting my side of the story in writing and lying to me about the dispute forms and about the matter being taken care of because it was fraud. It was bad enough that a scam had been perpetrated but worse that XXXX did nothing about it and sided with the scammer.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When we moved from our home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL we closed the XXXX XXXX account with the last day being Friday, XX/XX/2017. 
We moved to XXXX XXXX XXXX XXXX, XXXX, FL and received a bill for charges XXXX through XXXX for {$160.00}. 
I contacted XXXX 's collection department on XXXX and spoke with XXXX in customer service who admitted the charge was incorrect and that would correct it. I was told the charge for the 4 days would be about {$24.00}. 
We were told that it might be a couple of billings before the correction would be made. 
We never received a corrected statement and received a noice from the collection agency dated XXXX. We called them on XXXX to dispute the charge. We received another collection statement dated XXXX and it was for {$160.00}. We contacted them and they told us that XXXX had checked the statement and said it was correct. We informed them that we would be in touch with Consumer Financial Protection Bureau in order to get the billing correct. The new charge on on both of the Collection agency billing was {$160.00}.
Product: Mortgage

Late in XXXX  53 bank bought my mortgage from XXXX XXXX. All escrow payments were made correctly that year. This year they re-evaluated my escrow and during this process removed my XXXX fees from the escrow calculations. When I notified 53 bank they stated I need to email them that there was nothing I can do over the phone. All I want them to do is re-evaluate my escrow using the payouts made last year. Include in that the XXXX, property taxes, flood insurance and home owners insurance. 4 payers so to speak. Just like last year so that Im not XXXX short in escrow. This will be my last attempt to rectify before I contact legal council. Hence failure to comply.
Product: Mortgage

First, this complaint does not fall into any of the categories you gave me to select from. This complaint has to do with my rights, or the lack thereof, in connection with selling my home located at  XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . As a seller, I 've been told that I have NO rights to be advised as to why the closing for the sale of my home has been delayed REPEATEDLY. How can regulations put in place by  a Consumer Protection Bureau pr ovide rights to a buyer and not the seller? My home went on the market  X/X/17    and an offer was submitted to me on  X/XX/17    with a pre-approval letter from George Mason Mortgage. I accepted the offer the same day (  X/XX/17    ) based on the fact that the buyers had been already pre-approved. The pre-approval letter quoted a closing date of " on or before  X/X/17    ''. Late in the afternoon of  X/X/17   , I called my attorney 's office to find out if all was good and was told that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with a comment made by the buyers real estate agent that " the employer had been slow verifying the purchaser 's income but they now had the verification ''. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. Now I find out that the closing MAY take place on  X/XX/17    but no one is even sure about that. This could go on forever. What are my rights and what recourse do I have? My attorney tells me that I only have recourse if the reason for delaying the closing is unreasonable - however, because the CFPB has said I have no rights to know why the delay has occurred, then how will I ever know if the reason was unreasonable? This agency needs to protect my rights as well. Please let me know what my rights are and what else I can do.