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

I received an auto payoff letter from Wells Fargo for an Auto loan for one buyer and received the title with another person name on it thats been deceased since XXXX. 
They cashed the check from my credit u ion in the amount of XXXX XX/XX/XXXX. 
I didnt receive the title until XX/XX/XXXX. 
And found out XX/XX/XXXX that I couldnt register the vehicle because the paperwork didnt match up. 
Now I have to wait for the deceased Parent to receive papers from the Courts before the title can be corrected. I was given a 30 day window before that paperwork is returned. Which will be XXXX. 
Im paying daily interest of {$11.00} since XX/XX/XXXX and Im not in receipt of the vehicle. 
I do not feel Im responsible for any fees acquired until I receive the proper paperwork from Wells Fargo. 
The loan was payed off out of deception. 
I thought I was purchasing a car from one buyer and not from someone whos been deceased since XXXX. 
Wells Fargo had ample time to rectify the paperwork. They cashed the check XX/XX/XXXX. 
Wells Fargo advised me that I have to contact XXXX XXXX or My bank. 
Wells Fargo shouldve listed both parties on the paperwork. 
However Im the only one paying for something thats not in my possession and wont be for another 30 plus days.
Product: Money transfer, virtual currency, or money service

Money transferred was a scam and would like it returned based on reasons uploaded in document. This references the complaints made in early 2022 with the CFPB. These complaints centered around fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I.C. SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Account XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account XXXX XXXX  for the amount of {$450.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt. 
Please provide the following : The name and address of the original creditor. 
The amount of the debt and a detailed breakdown, including fees, interest, and other charges. 
XXXX that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 
Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 
If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 
Please respond to this letter in writing and send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX XXXX opened an account on a card that I paid off without my consent with a collection agency Portfolio Recovery and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

My identity was recently stolen and several accounts were opened in my name including these. I have disputed these accounts via CRAs and have received no response. Please remove fraudulent accounts from my name and report.
Product: Student loan

Today XX/XX/XXXX, I logged into my XXXX XXXX XXXX Account Account # : XXXX and noticed my FIXED interest rate of 1.875 % had been increased to 2.875 %. Again, my rate was supposed to be a fixed interest rate. I have had this interest rate since XXXX due to a rate reduction for making 36 on time payments. I looked over my account and nowhere was I ever notified that my fixed rate had been changed. In fact, I had done a forebearance in XX/XX/XXXX and I have a letter dated XX/XX/XXXX for the repayment of the forebearance that also shows my rate as 1.875 %. I then noticed my lender showed as XXXX XXXX Wells Fargo . It appears my loans were recently sold to Wells Fargo. I contact XXXX XXXX XXXX and spoke to XXXX ID # XXXX and she informed that she saw no reason for why the rate was increased and that it was Wells Fargo that did it. My original loan rate when I consolidated my loans many years ago was 2.875 %. It was a fixed rate as well and then when down to a fixed rate of 1.875 % after 36 months of on time payments. I have never made a late payment either so this rate increase is not justified when again, I have a fixed rate. I do not appreciate Wells Fargo scamming me like this. If I had auto payments in place, I never would have known about this. Currently my loans are accruing interest at a rate of 2.875 and I do not know how this will be adjusted or if it will even be fixed. I have account documentation to support all of this. Furthermore, I was told my loans are not eligible under the forebearance for the pandemic. I do not understand why when I have federal unsubscribed and subsidized loans. Attached are the documents showing my loan repayment terms ( in regards to my forebearance ) clearly detailing my interest rate as 1.875 %, my last statement from XX/XX/XXXX and the account overview showing my rate was changed to 2.875 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listing I owe kohls when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against the credit bureaus for failing to properly address issues with my XXXX account reporting, and I request immediate investigation and resolution. Additionally, I request that the following statement be added to my XXXX account : " Paid in full, including all fees, but XXXX never provided proper debt validation or a complete breakdown of charges, despite multiple requests. This occurred during XXXX. I was assured the account would be removed from my credit report after payment, but XXXX did not honor this agreement. '' Details of the Issue : Failure to Provide Debt Validation : XXXX did not provide proper debt validation or a complete breakdown of the charges on the account, despite my repeated requests. 
This lack of transparency caused significant stress, particularly as this issue arose during the XXXX pandemic. 
Payment Made in Full : Despite the lack of validation, I paid the account in full, including additional fees and charges. 
I was explicitly told by XXXX that the account would be removed from my credit report once the payment was completed. 
Failure to Remove the Account : XXXX did not follow through on their assurance to remove the account from my credit report after payment. This constitutes a breach of their promise and has negatively impacted my credit score and financial standing. 
Credit Bureaus Lack of Action : Despite my disputes and requests, the credit bureaus have failed to properly investigate this issue or resolve the inaccuracies in the reporting of my XXXX account. 
Relief Sought : I request the following actions : Statement Addition : Ensure that the above statement is added to my XXXX account reporting to accurately reflect the situation. 
Thorough Investigation : Require XXXX to conduct a thorough investigation into this matter, including validation of the debt, a breakdown of all charges, and the circumstances surrounding their failure to remove the account as promised. 
Account Removal : Remove the XXXX account from my credit report, as I was assured it would be, following payment in full. 
Compensation : Investigate and hold XXXX accountable for their actions, including compensation for the stress, financial harm, and breach of their agreement during a time of hardship. 
Credit Bureau Accountability : Ensure that the credit bureaus are compliant with their obligations under the FCRA to investigate disputes and report accurate information. 
I trust the CFPB will investigate this matter thoroughly and take the necessary steps to ensure my rights as a consumer are upheld. 

Thank you for your attention and action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
<P/>
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
<P/>
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
<P/>
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
<P/>
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
<P/>
XXXX XXXX XXXX " NO ACCT NO '' UNVERIFIED, NO-CONTRACT
Product: Vehicle loan or lease

XXXX XXXX purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/2016. 
We recently had a issue with the Finance company Westlake Financial in California. 
They actually repoed our vehicle becasue of a NSF, which was not the case, XXXX XXXX, can verify there was sufficient funds. We then decided to get rid of the car, and go with another finance company. Upon trying to find the value of the car, the car purchased according to paperwork, and Westlake Financial is not the car she has. My wife is paying for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she was given a XXXX XXXX XXXX, the first is the high end model, hers is the base. The dealer provided which we have with their writing on it, a fake XXXX report which have discovered, thich has her VIN number, but the vehicle listed is not the same, total fraud, and scam. Claiming the car she purchwas valued at listed price.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, Equifax, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Product: Credit reporting or other personal consumer reports

Hi DCU Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
Account XXXX : XXXXDept of ED XXXX XXXXXXXX XXXX XXXX Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help. I have attempted over four times to resolve this matter with Experian via mail and phone. However, the reports are being updating the with the same wrong information. They are now willful and knowing destroying my reputation as a consumer and this needs to be fixed asap. 

DELETE ALL INACCURATTE INFORMATION 1. DELETE the following address XXXX XXXX XXXX, XXXX TX XXXX 2. DELETE the following address XXXX XXXX XXXX XXXX  XXXX Tx XXXX 3. DELETE the following address XXXX XXXX XXXX XXXX XXXX Tx XXXX 4. DELETE the phone numbers are unknown XXXX, XXXX, XXXX 5. DELETE XXXX XXXX XXXX  MEDCIAL INFORMATION is EXCLUDED PER 15 USC 1681 ( 3 ) 6. DELETE XXXX XXXX XXXX This account is closed and there is no balance. I CALLED AND REPORTED THIS TWICE TO YOU AND YOU HAVE FAILED TO FIX THIS. 
7. DELETE- XXXX XXXX XXXX  You DO NOT have permission to furnish this information. My right to privacy is being breached. 
8. DELETE- XXXX  XXXX This account is involved in litigation must be removed. 
9. DELETE- XXXX This account is closed and paid. 
10. DELETE- XXXX XXXX XXXX- This account is closed and paid 11. DELETE- XXXX XXXX you have failed to investigate this, nor did you remove during the dispute process. I do not owe this alleged debt. 
12. DELETE- XXXX XXXX XXXX- False and misleading I do not owe this debt and your comments are false and misleading.
Product: Vehicle loan or lease

My mother purchased a car back in  XXXX  for a   XXXX   XXXX  . Her interest rate is 9.94 % for 75 months with payments at  XXXX . She made her payments and in  XXXX  she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no,  XXXX  says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of  XXXX  that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.
Product: Debt collection

Due to customer service and other financial consumer reasons I chose to move my service from XXXX to XXXX back in XX/XX/XXXX. I always paid my bills on time every month when I was at XXXX. I called XXXX to notify them that I was switching my service and that I would continue to pay my account monthly. This was back in XXXX of XXXX. Below is a list of payment I made to XXXX per normal bill paying and arrangements. I will include these paid charges in the upload process filed as part of this complaint. Billing History XX/XX/XXXX - XXXX PAID **Service Canceled** XX/XX/XXXX- Canceled Service With XXXX - No user related monthly charges. XX/XX/XXXX - Final bill from XXXX for billing period XX/XX/XXXX-XX/XX/XXXX - Received Final Bill from XXXX for {$930.00} for equipment charges. XX/XX/XXXX - Paid {$200.00} which reduced balance to {$730.00} XX/XX/XXXX - Paid {$730.00} which was the full payment required to payoff balance. On XX/XX/XXXX - XXXX XXXX ( Collection Agency for XXXX ) - Reported me late to all three credit reporting agencies ( XXXX, XXXX, XXXX ) for owning {$930.00} to XXXX. - Reported again XX/XX/XXXX with paid in full. - Re-Reported XX/XX/XXXX - Report is inaccurate ( not sure why ) When this was first listed on my credit file for the very first time ( WHEN IT SHOWED UP ON MY CREDIT FILE ) was on XX/XX/XXXX for owing XXXX. I made payments from XX/XX/XXXX - XXXX of XXXX. The amount was paid in FULL before Convergent reported it or first showed up on my credit reports. Frequent requests to get this removed from my credit file have been unanswered or denied. This is a clear violation. I was making payments and this was paid. XXXX/Convergent refused to remove.