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

My credit score dropped XXXX points on experian, and when I checked XXXX it dropped there too. I have missed zero payments, I have not been late, and I can not understand how my credit score dropped. I believe this is because I went on a temporary payment reduction plan with XXXX XXXX XXXX XXXX, from where I have a loan. I agreed to a temporary reduction plan for 3 months until I became employed again, this was a plan they agreed to as well. I called XXXX XXXX XXXX XXXX and they too said that my credit should not be affected as the plan was agreed to by them as well. I filed a dispute with experian, and they said it was resolved however my credit score still took a XXXX point hit. Please advise.
Product: Debt collection

After a careful inspection of my credit report, I noticed several accounts that seem incorrect and were added without my consent.
Product: Debt collection

On XX/XX/XXXX at XXXX I called Bank of America to try to settle a debt. The offer was {$8300.00}. I asked if I could have until Friday ( XX/XX/18 ) to decide. Bank of America said yes. They also said if I decide I would have 63 days to come up with the {$8300.00}. 

I called today to accept the offer and make a payment. However, today they said they the settlement is now {$13000.00}. Whatever happened to offer and timely acceptance? Are banks held to some other standard than the rest of the world? 
They acknowledged they made an offer of {$8300.00} good until today, but I guess they can do whatever they want. Thank goodness the government watches out for such consumer abuse and makes a wrong a right!
Product: Credit reporting or other personal consumer reports

Never got proof that the accounts belong to me, and never got a reason why my reports shows multiple inquires on my report
Product: Checking or savings account

Fraud claim reference number XXXX Wells Fargo case number : XXXX I called wellfarsgo bank to file a couple of unauthorized transactions and I didnt recognize those transactions, and spoke and explained everything to the representative that I was traveled and lost my belongings are phone, wallet, purse. I kept calling them to ask about the update of my claims since I am very concerned about it. Those are my hard work money and really upset and sad if I lose it. However, 10 days later my claims got denied and they said : I responded Yes to the link texted that they sent me. I didnt respond to anything, didnt receive anything since I didnt have a phone. It was lost. 

And again, 10 days later I contacted again and got a second time denied from this bank. They said : We were unable to find any indicators present confirming fraud on the account. We stand by the decision made by our Claims Department to decline your request for reimbursement of the disputed transactions. 
I believe their decision is incorrect. 

My phone, and belongings are lost. And they never call or request anything. The bank just didnt want to help, who could help if the bank cant find or reimburse the lost money amounts? 

This is so sad that being a customer with this bank and they cant help anything, and I would like to requesting a review by a higher-level representative about this matter.
Product: Vehicle loan or lease

When I purchased my vehicle in XXXX I was in need of a vehicle I went to the XXXX XXXX XXXX location. I found a vehicle that would fit my needs. I was presented with the loan information. The loan had me paying XXXX or XXXX over the life of the loan for a vehicle that I thought was worth XXXX XXXX if I was " lucky ''. The salesman stated that it would be reported on all my credit reports. With XXXX repossessions in my past. I thought hey a repaired credit score would be worth all the extra fees in the end. I have been paying on this loan since XXXX on time. I called titanium funds around XXXX of XXXX asking for the payoff quote. Also asking why my loan was not being reported as I was told it would be. I told them over the phone that that was the whole point of me taking the loan and I am getting nothing from it. I was told it was a software issue that they were working to resolve. 
My issue is that this is not the first complaint on this issue. In XXXX a similar complaint was made as highlighted on XXXX : Please follow link before. 
XXXX XXXX XXXX This is not an issue with the dealership but an issue with Titanium Funds you refuse to fix the issue. I have paid approximately {$18000.00} dollars for a vehicle that XXXX cant trade in for more than {$1500.00}. Now even better is it no longer runs. SO I am stuck paying at least another {$18000.00}. I feel I should be relieved of the burden of this debt. They stated to XXXX that they would have the issue resolved in the coming weeks. Preying on the lower income people who are always struggling is just sad and wrong.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX UNIT XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account.
Product: Debt collection

CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KSXXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE 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. 

XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXXXXXXXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/1979
Product: Credit card

The Citi ( MasterCard ) Double Cash card offers a price rewind program, where your purchase price is tracked for 60 days, & if a lower price is found within that 60 days, they refund you the difference between what you paid & the lowest price that was found ( The program excludes taxes/fees from the total price calculation, & only covers the purchase price of the item itself ). 

On XXXX/XXXX/XXXX, I purchased a television from a local retailer at a purchase price of {$1100.00} ( excluding taxes/fees, see attachment ). A lower price of {$990.00} was found, and the search for a lower price ended on XXXX/XXXX/XXXX. I filed a claim for the refund of the difference ( {$180.00} ) on XXXX/XXXX/XXXX, to which my refund claim was denied later the same month. The denial reason was justified as " the item you purchased does not match the tracked item ''. 

The website does not specify that a specific model number is needed as part of the refund process, and the item I purchased matches the description of the covered item ( See Attachment ). As shown, the selected item is a " Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV '', & the item that I purchased is a Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV, with no specified model number or type.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I made a payment of {$2300.00} on XX/XX/XXXX and the credit card company USAA placed a hold on my cc until XX/XX/XXXX. The company refused to remove the block or return the payment.
Product: Credit reporting

XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX/XX/XXXX however, on Experian and XXXX it is reporting XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times trying to get this issue resolved. I have notified via mail ( 3 attempts ) and calling them twice. I explained to them that Santander Consumer USA in the amount of {$27000.00} and XXXX XXXX XXXX in the amount of {$54000.00} are both fraudulent accounts that reflects my credit report. I have also contacted both creditors about this matter. I was advised to file a police report and Identity Theft Report which I have done. Neither of the other credit reporting agencies are reporting these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Checking or savings account

I've been having all kinds of issues with my cash app with refunds not showing backup when they're supposed to I have also had problems with disputing charges that I had proved to them I did not make but since they said my debit card was used they couldn't do anything to help me it's just been a bad experience with them and when you question anything that they have done or money that was removed from your account they have since locked me out of my account
Product: Credit reporting or other personal consumer reports

On XXXX XXXX checked credit reports. It was shown that my former lender erroneously/falsely reported to the bureaus a late payment on XX/XX/XXXX. I emailed them and shared the reports and they have indicated they have relayed this to the credit division. Im going through a heloc process and this is impacting my credit score.
Product: Mortgage

I sold my house on XX/XX/2020 and the mortgage was paid in full, and the servicer Dovenmuehle Mortgage Inc, had {$1100.00} in escrow at the time. I looked on the website and it would be approximately 30 days after payoff to inquire about escrow refunds, which I did wait the 30 days but nothing was received. I verified they had my new mailing address at that time. 
I called back approximately XX/XX/2020 and inquired about the escrow account refund and was told it had not been processed and the representative said they were initiating the escrow refund process. 
Still no refund of my funds received and I called again sometime in the middle of XXXX, unfortunately I'm not able to locate or recall exact date. I spoke to a representative that ensured me the check would be processed for my refund. 
I have monitored the website transaction history on my closed account, and on XX/XX/XXXX I saw there was an " Advance Reversal '' for {$1100.00}. 
I have not received anything in the mail and called again on XX/XX/2020. I asked the representative to look into the matter, he told me that he couldn't see anything different than I see on the website. But if I wanted to get information I would have to email another department for the matter. I explained that I had called several times and would like to escalate the matter to a supervisor. 
Before he transferred me to his manager and he said if I did that it would be another 15 minute wait, but if it went to voice mail I would receive a return call in 24 hours, which I agreed to. When he transferred me to his supervisor it went straight to voicemail. So I left a message and repeated my phone number twice. I waited the 24 hours but no return call. 
I feel that I am owed the funds and interest accrued during the time after the payoff and return of my funds.