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

New and updated information in reference to complaint # XXXX Transunion is XXXX my dispute of their reinvestigation process under 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I included in my complaint a letter from Bankruptcy court stating that they do not communicate with any Credit Reporting Agencies. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) ( A ) Transunion is in Violation of this law and are ignoring my request to delete Bankruptcy 's from my consumer report, transunion states that Bankruptcies are varied and updated but have not contacted the US Bankruptcy Court I have attached proof of this to this complaint and previous complaints I would like to add that Transunion is also in Violation of 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Non of the times that I listed in previous complaint # XXXX Transunion did not follow this law and never has when I have disputed my consumer report
Product: Credit card or prepaid card

I was traveling in XXXX from XX/XX/XXXX-XX/XX/XXXX, XXXX. On XX/XX/XXXX when I was in XXXX, Chase emailed me informing there were two big transactions, {$11000.00}, and {$8600.00}, just made, asking if I made them. I replied " NO '' right away. Upon returning to NY on XX/XX/XXXX, I followed up and learned the {$11000.00} transaction was declined but {$8600.00} was considered valid as the chip was used. I have kept contacting Chase since then, explaining the situation and providing all the documents required : including a copy of my passport, travel itinerary, even a copy of the email from Chase notifying the fraud on XX/XX/XXXX. I also have an attorney, XXXX XXXX, to help me. 
Despite of all our contacts and supporting documents, Chase sticks with one answer, the card chip was used, therefore I am responsible for the payment. In the meantime, they never provide any evidence to show what made them to believe the transaction was made by me, when, and for whom to consume for what time period. As a card issuer, they can track such activities easily and can identify who actually used it and could cancel it quickly. Instead its Fraud department even made a false statement in a letter to my lawyer on XX/XX/XXXX saying that I " notified them the transaction was valid, '' despite of the fact that I have repeated denied this charge. 
A national bank would lie to its customer 's lawyer to justify their incorrect conclusion? is this an intentional mistake or a crime? 
It has been over three months since I first replied Chase email with " No '' in XXXX. the case is still going on with no end in sight. Now the bank begins to charge me interests even though the transaction is in dispute. 
I'll attach my travel itinerary and my lawyer 's latest correspondence with Chase on XX/XX/XXXX.
Product: Vehicle loan or lease

I have been a Wells Fargo customer since XXXX and I recently purchased a car through Wells Fargo loan in XXXX. 

Considering that Wells Fargo was involved in a lawsuit regarding accounting mistakes with loans until XXXX, I wanted my case verified. 

I am wanting to know if my loan has accounting errors and if so, can I be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I received a response to my CFPB complaint against Carmax, via certified letter. It reflects wrong dates, scenarios, etc. It failed to address my identity theft that they are involved with. I was prevented from speaking with a supervisor, when I called them today in response to this letter. The letter clearly is not factual or correct in any way. I can clearly see, no actual investigation was done by Carmax. It claims a letter was sent to me, XX/XX/XXXX, this one I'm assuming, and that I failed to respond to their letter. To clarify, this is the first letter I've gotten from them, six days after their own reference to their letter, that I'm seeing said letter. It is also dated XX/XX/XXXX, before my submission of my cfpb complaint against Carmax. I'm unsure how that is even possible. The dates and details are both fictitious and wrong. I was not allowed to speak to a manager, when I called their alleged fraud department. I am a fraud/identity theft victim and already submitted my police report to them via the cfpb, which they also claim to not have received. Attaching my police report, AGAIN, since they seem to have lost it, and recent communication from Carmax, for the records of the CFPB.
Product: Credit card or prepaid card

I applied to cash reward through Navy Federal credit Union and I was looking for a balance transfer promotion, on a phone conversation with a navy federal agent I was told if I would to do a product change to the platinum credit card I would be able to enjoy a 12 months and 0 % balance transfer promotion forward 2 weeks I'm calling in to find out if the promotion is attached to my card after the past 48 hours I spent to do balance transfers from different institutions and I'm finding that I'm not entitled to it because I did the product change and not and new application and that was not disclosed to me when she was selling and pitching the product change I'm feeling deceived and it's hurting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Consumer Credit Transaction with your financial institutions ALLY AUTO LOAN, executed by way of signing an Agreement ( " Document '' ). As per15USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties ''. which includes XXXX, XXXX, and XXXX. The provisions 15 USC 6801 ( a ) state " It is the policy the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that I have not given your company consent to share my " non public personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 USC 6802 ( B ) lb " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' 15 USC 6802 ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : ALLY AUTO LOAN. 

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.

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

In  XXXX  and  XXXX   of 2017, I  fully paid  XXXX  charged off accounts with  Southern Credit Recovery  Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, {$380.00}, i called the company and was nothing could be done
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed 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 and XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1981 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.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX through Carvana in XX/XX/XXXX. I called them in XX/XX/XXXX to report that the vehicle had no airbag. They did nothing until I reached the 12 month threshold in XX/XX/XXXX and they refused to address issue saying I had the vehicle over a year. I told Carvana that the VIN number in the dash of the car did not match the model car they sold me. My car is a XXXX model but the VIN matches a XXXX model. They did not respond. I don't know if they sold me a stolen car or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  equifax mortgage services i have called varies times since  2015  i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or apply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see that there are multiple accounts that I am not familiar with I have fully investigated my rights in this matter. Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian concerning the inaccurate reporting of negative claims on my consumer credit profile. I have serious concerns about the validity and accuracy of certain claims and believe that Experian has failed to comply with essential reporting procedures. 

On XX/XX/2024, I sent a Procedural Request letter to Experian, providing details on the procedures used to determine the validity of the bankruptcy reporting on my credit report. The tracking number for the delivery confirmation is XXXX. 

As per FCRA Section 61, paragraph ( 6 ) ( b ) ( iii ), Experian is legally required to provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of receiving a consumer 's request. Today marks the 23rd day, and I have not yet received the requested information. 

I hereby request proof of compliance by providing the tracking number of the response to my letter or immediate removal of the bankruptcy reporting on my credit profile due to failure to provide the requested information. XXXX or XXXX XXXX is not the original furnisher of this erroneous information, and since the court does not report bankruptcies to credit bureaus nor verify information with secondary collectors, the information must be validated and deleted. 

Enclosed are copies of the letter I sent to Experian and a letter from the court stating their non-reporting policy. 

I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Immediate removal of any unproven or inadequately reported negative claims from Experian 's records and cessation of future reporting until compliance with reporting standards is demonstrated.

2. A comprehensive review of Experian 's reporting practices to ensure conformity with federally defined timeliness, accuracy, and completeness standards.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and diligently to safeguard my consumer rights. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history.

Thank you for your assistance.
Product: Credit reporting

Hello, For the past two years, Equifax has not been receiving or updating my credit file with my account information. Accounts that I had for years are showing up as basically being inactive, even though they are very much active. I have called Equifax on several occasions and submitted online disputes, but this has not helped. I have no collections or missed payments on my reports for the XXXX bureaus. And while I have excellent credit scores with both XXXX and XXXX, Equifax consistently has me almost XXXX points lower because they have not updated most of my information from my creditors in years and they do not show many of the new accounts I 've had over the past 4 years. In fact, nany of my Equifax accounts show that they have not been updated since XX/XX/2011. They also show my current address as one which I had 3 years ago. My current address is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. They asked me to send in my license to prove this. I did it several times and they still never updated my file to this. My Equifax dispute number is XXXX, and I am attaching a report I received from them this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating,, a consumer credit reporting right
Product: Debt collection

on XXXX XX/XX/XXXX, XXXX XXXX had his car repossessed in our driveway while we were home. I was unaware he was struggling to make his payments, so we went outside to ask the tow truck to please leave our property and that we would get it sorted out in the morning. He refused, and continued to take our vehicle. 

The next day, Capital One XXXX XXXX told us the only way we could pay was debit or wire transfer. Since we took a {$10000.00} settlement on the car, I paid that in full and wired them the money exactly how they asked me to do so. They gave specific directions to send funds to XXXX XXXX XXXX, provided their account and routing information and i sent the funds on XX/XX/XXXX. It has been XXXX business days and they are refusing to release the vehicle back to us saying they did not receive the payment from XXXX  XXXX XXXX. My Bank ( XXXX bank ) has contacted XXXX twice which both times, they confirmed that they did in fact have the funds and that they were not sure how to process it. We provided them further info that the wire transfer was for Capital One for an auto loan settlement payoff. They ceased communication after that and continued to not process ( last communication was XX/XX/XXXX ). 

We never received any written notice in the mail on how to get our car back and no written info on the repossession as Illinois state law suggests is necessary. 

We have proof that XXXX  XXXX XXXX says they had the funds on XX/XX/XXXX, they confirmed this information on XX/XX/XXXX and requested more info that was provided the same day. They asked again on the XXXX for the same information that was sent over on the XXXX and is in the memo of the wire transfer. Both Capital One and XXXX  XXXX XXXX are committing misconduct and not complying with processing my payment. We filed for a recall on the wire transfer on XX/XX/XXXX and have not heard back yet on if they will send the payment back. Further misconduct for not returning the funds if they did not know how to process it. 

The car is set to Auction on XXXX, so we will now be losing our vehicle because of XXXX  XXXX XXXX and Capital One not processing my settlement payment on XX/XX/XXXX and we have been without a vehicle for XXXX weeks now. I have proof that the funds were paid and accepted on XX/XX/XXXX and Captial One is still refusing to release the car back to us.
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from or authorize any of the following Account : XXXX XXXX XXXX XXXX : Account # : XXXX - Amount : {$1600.00} 15 U.S. Code 1681s2 Says you " XXXX XXXX XXXX XXXX '' are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Debt collection

I pulled my credit reports on  XXXX   XXXX ,  2017  because I was trying to obtain a mortgage. Then I noticed it stated that I had a collection fro m Credit Management f or  XXXX . This was news to me. I disputed it with the credit bureau because I have filed complaints with  XXXX  before and provided documentation. Further, I contacted Credit Management and although they had a collection for a  XXXX   XXXX , they did not have  one  for a  XXXX   XXXX  with a matching social security number. Therefore, I 'm sure why it 's on my credit. The credit bureau conducted it supposed investigation and left it on my credit as verified. I 'm confused because they have no record for a matching social security number.
Product: Bank account or service

1 -On XXXX XXXX, I received an email from 5/3 Bank stating that a {$250.00} cash bonus would be earned if one would " Deposit {$25000.00} or more in new balances into a new or existing Relationship Money Market account by XXXX/XXXX/XXXX. '' The other condition listed was that the balance would need to be maintained until XXXX/XXXX/XXXX to earn the bonus. 
2 - On XXXX XXXX, a deposit for {$25.00} was made. 
3 - Statement covering from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX did not show bonus. 
4 - A call to the phone number listed in the original email resulted in my being told I should receive a call by XXXX/XXXX/XXXX to let me know of the status. That call was never received. 
5 - A visit to the " XXXX XXXX '' branch where this account was opened and the required deposit was made led to a bank employee calling on my behalf. The employee was told that I would not receive the bonus. 

That is basically the situation. If any further information, documentation, etc. is needed, please contact me. Thanks in advance for your help in this matter.