23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Wells Fargo Dealer Services has refused to comply with the federal guidelines and regulations dealing with the accuracy of my account information. Starting in XX/XX/XXXX they have inaccurately reported late payments to Credit Reporting Agencies which I 'd like corrected, as I have never missed a payment on the auto loan. To date my credit report shows that I have a total of 30 late payments which has an extremely negative impact on my credit score ( 58 % to be exact ) which is preventing me from purchasing a home at a decent interest rate among other things. 

On XX/XX/XXXX I attempted to resolve this issue by disputing Wells Fargo Dealer Services ' error with XXXX, however the only " correction '' Wells Fargo Dealer Services made to update my latest payment status from 60-89 days past due to 30-59 days past due as well as remove the late fees. However that 's not enough, as I need the late payments reflected on my credit file to also be removed as soon as possible. Oddly enough, Wells Fargo Dealer Services submitted documentation to XXXX to reflect I 've never had a past due balance, but somehow neither XXXX or Wells Fargo Dealer Services corrected the error on my credit file showing 30 past due payments. Again, Wells Fargo Dealer Services confirmed ( in writing ) that I 've never had a past due balance, but my credit file is still incorrect. I supplied XXXX with all payments I 've made to Wells Fargo Dealer Services starting in XX/XX/XXXX, as that was as far back as XXXX would allow me to go using their online services. However the evidence I submitted was sufficient considering my dispute does n't claim inaccurate reporting until XX/XX/XXXX. My credit file should not reflect any late payments from Wells Fargo Dealer Services. I do not have any accounts in collections and do n't have any accounts to reflect late payments with the exception of Wells Fargo Dealer Services. I attempted to resolve this issue directly with Wells Fargo Dealer Services, however the only response I received was a letter confirming that they 'd received my inquiry. I need my credit report to accurately reflect that I am and have ALWAYS been current on this account as soon as possible and would appreciate your assistance in getting this resolved. 

I have attached a copy of my online dispute to XXXX which includes my bank statements reflecting my payment history with Wells Fargo, I 've also attached the XXXX online dispute findings which state in part " We have researched the credit account. Account # XXXX The results are : The balance of this item has been updated. This account has been updated. The prior paying history on this account has been updated. " ... However the payment history has NOT been updated to reflect that I 've never been late on or missed a payment. I just need this resolved and I need Wells Fargo Dealer Services to simply stop inaccurate reporting.
Product: Vehicle loan or lease

Im a Dealer in the state of Georgia. A customer came to my place to test drive a vehicle that she liked and wanted to buy it. She applied for a loan with USAA credit union that she is a member with. She was aproved for that loan and promised that with in 2 to 3 days the funds will be at the dealers bank account. after about 12 days the customer gave me premission to call USAA, and I did. I talked to someone who told me the loan is under review I asked to speak to a manager and after being on the phone for about 30 minutes the only respond I got is that the loan is under review. I decided to call again at this point the loan has been aproved 2 weeks before. to save time I asked to speak with a manager whom told me again that the loan is under review I replies by asking Please explain to me why has the loan been undre review for the last 2 weeks? why is it taking that long?

I got no reply. when I stated that I will be filing a complaint against the bank she replys " Are you thretning me? '' one more thing I wanted to add that everytime I called and my costomer called we had to speak to someone else they dont have one person that is responseble for the loan.

USAA credit union has showed behavior of restricted unfair actions, deseptive and abusive actions and should be properly disciplined for sush actions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. To support my dispute, I have attached the following documents : A personal statement detailing my trafficking situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matter.
Product: Debt collection

A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from XXXX XXXX XXXX XXXX who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to Unifund CCR Partners who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Equifax allowed XXXX XXXX XXXX to report on my account for almost XXXX After I submitted Dispute under FCRA for Deletion. It's been since 2006 they have been yearly accepting data from a company I never done business with nor have an account. The XXXX soft inquiries are affecting my consumer financial stability & privacy of which I feel is a collection of sabotage.
Product: Credit reporting or other personal consumer reports

LVNV Funding is erroneously reporting adverse information to Credit Reporting Agencies in violation of the FDCPA. I believe this is an unethical approach to coercing payment for invalid debts. I advised both, LVNV and the original creditor regarding the erroneous information and requested validation. LVNV attempted to send copies of statements of transactions in lieu of contractual agreements that would allow me to see the binding signature. They were notified to cease and desist collection actions ; as well as, retract adverse information which renders them liable. They have not done so. I am now contacting CFPB, as I am seeking to establish due diligence in my efforts to resolve this matter and be justified for punitive damages should I have to resort to civil action.
Product: Debt collection

XX/XX/year> I paid for my insurance coverage for the next billing cycle ( {$230.00} ) ending XX/XX/year>. 
I cancelled my service with them XX/XX/XXXX, XXXXbefore my next billing cycle on XX/XX/year> Received a collection notice several months later for {$110.00}. 
Submitted dispute with copy of cancellation letter, proof of new coverage starting XX/XX/XXXX, and of my payment going through for the final billing cycle. 
Collection agency on behalf of Allstate says it was rejected due to adjustments, but unable to clarify what these were and that I would need to discuss with Allstate.

Contacted Allstate several times who say I must deal with the collection agency. 
After several back and forth attempts Allstate customer service says they will do a billing history breakdown and history request, and that they have no way of possibly connecting me to the billing department. 
Multiple times they send me an email saying they have looked in to my request, but are unable to reach me over the phone, without any call attempt, and that I must contact customer service again. 
Repeatedly telling me via chat and over phone they can not provide any information on my account due to it being terminated. 
Customer service again says they can not connect me with billing department but must submit another request. 
They say to retry reaching them through chat, phone, and email which as you can see above cant not/will not help. They mentioned reaching out via email, but the email says it is unmonitored and to reach them through chat/phone. 
In the end they are not providing me any breakdown/proof of a debt owned after countless attempts to do so. 
Would like for them to provide this proof or remove my debt from my credit report on the three major credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute regarding the results on my credit report it has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} US DEPT ED XXXX Balance : {$12000.00} US DEPT ED XXXX Balance : {$7500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX date opened is different from transunion then XXXX transunion date opened XX/XX/XXXX XXXX  date opened XX/XX/XXXX high credit amounts are different high credit different is from transunion then XXXX  transunion high credit is {$6500.00} XXXX high credit is {$0.00} date of last active are different trasunion last active is XXXX XXXX  last active is XX/XX/XXXX please delete account for multiply inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters to the company 's EXPERIAN, XXXX, XXXX  Showing them plenty of Errors and Violations they have made on my reports and they have yet to remove them and I'm getting frustrated they are hurting me from gettin me and my family a home in this pandemic!!
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code.

6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit XXXX Notice
Product: Student loan

To Whom it May Concern : Back in XXXX of 2014, I contacted your agency regarding a private student loan that I had though National Education Servicing, ( NES ) at the time I was paying I think {$50.00} a month. However, none of my payment was being reported to the Credit Bureau, instead since I was told that I was not paying the complete amount, I was being reported as delinquent. Once your agency contacted them, they decided to place me in a restoration program where all the delinquencies would be removed my from credit report and my monthly payment was increased to {$100.00} a month. I have consistently make those payments. However, I checked my credit report today, only to realized that National Educational Servicing has not cleared the delinquencies from my credit report and currently has me in default even after the payment of a {$100.00} that we have agreed on. National Educational Servicing wants me to pay {$700.00} a month, which I can not afford, I am a Program Assistant, with the Civil Rights Division of the Department of Transportation. My salary is : {$49000.00}. However, they have gone back on their word to report me positively to the credit Bureau and I am currently in law school and they told me I am not able to get a forbearance because I have defaulted on my loan, even though I have been consistently making a monthly payment of {$100.00}, one which we agreed on, now I am in default on an agreement that I reached with said agency. The phone number for National Educational Servicing is : XXXX. I would appreciate a prompt resolution to this matter. The manager I spoke with at NES is XXXX. 
Best, XXXX XXXX XXXXXXXXXXXX Ph : XXXX Acct # ***********
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I provided the reasons for disputing the information. I have enclosed it again fraud accounts and inquiries Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX  XXXX  ) to seek their assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.
Product: Debt collection

Unknown debt flagged on credit report starting XXXX XXXX XXXX I do not have any knowledge of this debt and have never received any communication regarding what this debt could be.
Product: Mortgage

I applied for a reverse mrtg with XXXX and was turned down for what I believe was a bogus reason. I then wrote them a letter asking for a better explanation, and never got an answer.
Product: Debt collection

On XXXX XXXX, XXXX I received notification from Enhanced Recovery Service ( ERC ) claiming I supposedly owe a debt to them ( Doc A ) ; ERC did not provide me 30 days to dispute the validity of the debt. On XXXX XXXX, XXXX ERC reported that same invalid debt to the Credit Bureaus on my credit report ( Doc B ) to defamed my character and cause me grave financial harm. On XXXX XXXX, XXXX ERC again reported ( Doc C ), or updated the invalid debt to my credit report to cause me grave financial injury. Also per ERC reporting, the statutes of limitation have long been expired on the collection of this invalid debt. ERC reported a balance date of " XXXX XXXX, XXXX ''. There are several inconsistencies with ERC notifications that a reasonable person can not state ERC 's claim is valid. ( Doc A, B, C, D ). ERC is only doing this to cause me financial harm. 
ERC violated FDCPA and FCRA ( the Acts ) regulations. 
I will file separate legal action against ERC to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
ERC violated the statutes of the Acts. This Agency has the authority and jurisdiction under the Acts to recover penalties on my behalf instead of filing legal action on my own.
Product: Checking or savings account

USAA has prevented myself from accessing the funds in my account, and have failed to notify me of account changes and account actions they have taken without my consent. 

For multiple weeks now, my debit card has not worked. My debit card is set up for auto pay on almost every single bill I pay every month, including car insurance, phone bill, server bills, business fees, etc. 

At no point did USAA notify me of any issue with my account, either through phone call, email, or any form of correspondence or notification through the USAA mobile application. 

This has completely eliminated my access to my funds. I am unable to use any of my funds or pay any of my bills, and have had to directly transfer all of my bills to different routing. This has not only cost me a lot of time and suffering, it has caused a severe financial burden. 

Because nobody from USAA would call me or email me, I decided to email the CEO of USAA directly - XXXX. I received a call from an agent today, who advised that my debit card is not locked out, but has only been suspended because the pin number was input incorrectly too many times. Again, at no point did this entire corporation notify me of this through any form of communication. Not only is this a severe issue because of the lack of access to my funds, this could have been a possible breach of security. 

A pin number being input incorrectly too many times is a clear indicator of fraudulent activity. Had this been the case, USAA wouldve allowed somebody to continuously commit fraud without notifying me of any issues whatsoever - A blatant and direct violation of federal law, and the agreement I signed when I created the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions