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

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account
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 a 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. 
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Product: Debt collection

Paycheck solutions sent a letter to my HR department of my workplace saying that they want them to garnish my paycheck for the amount I owe them. I dont appreciate them doing this. Its embarrassing and its getting people involved that dont need to be involved in my personal affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX UNIVERSITY OF XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account XXXX : XXXX Update the payment status to paid as agreed 2. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account Number : XXXX Update the payment status to paid as XXXX TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Bank account or service

I check my balance and it stated I had around XXXX left in my account and everything went thru so I rented a movie from XXXX.after I returned the movie my balanced read it was in the negative XXXX.then a few hours later the XXXX charge disappeared from the report and now my balance was at around negative one.then the next day it stated I was at a negative XXXX.so I was afraid to put any money in till I figure out what is going on with my account.when I was able to speak with someone they said that my XXXX charge reversed itself and the XXXX charge must have been pending.i told them that on my end the XXXX went thru and I was afraid to put in any money cause I was n't getting the right balance.they automatically assumed that I do n't keep a written log and know how to budget my finances is what the problem was.i told them that 's not the case and if I was getting the right information I would have fix the problem before any fees occurred.so they told me that they would take off the XXXX overdraft fee however they ca n't take off the other fees.i told them I need the other fees taken care of but they refused to do anything about it.i do n't appreciate how they treated me.they should of been able to taken care of all the fees and look into what they could do so it will not happen again.i do n't like how they assume that I do n't know how to budget and they did n't do anything g to report the issue so it could be fix.
Product: Credit card or prepaid card

BMW FINANCIAL SERVIC is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BMW FINANCIAL SERVIC along with a notarized affidavit claiming fraud. BMW FINANCIAL SERVIC is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BMW FINANCIAL SERVIC to close their files which have any information with my name & social on it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had an issue with BMW of XXXX XXXX, Arkansas due to service of my vehicle which two weeks to fix. I made a call to customer services about the lack of communications during the first week of my vehicle being serviced. They had issues with figuring out what the problem was but they had to drive the vehicle to troubleshoot it. I had to wait an additional week to get my vehicle back from the service department at BMW. Once I picked it up they charged me almost {$2000.00} for the repairs. I understand that having such an expensive car can lead to issues like that. But finding out I needed new breaks upon picking up my car by turning it on and the break lights on. I asked to the Manager of the services and he just said " Oh yeah, you need new breaks '' and walked away from the vehicle. After being treated so disrespectfully by the Manager I called BMW Financial and requested that they to come pick up the vehicle. 

The vehicle was picked up XX/XX/XXXX at my residence in Arkansas. I never received any of the following documents, repossession notice or Notice of intent to sell vehicle within the 15 days of the notice. The reason why these documents were never received by me was due to them being sent to the wrong address. I was in the XXXX XXXX and for some reason the documents were sent to my last duty station that moved to XXXX, XXXX. I retired in XXXX so I have no idea why the sent the documents there. But they had to right address to pick up the vehicle. 

I feel my rights were violated and I would like to know what I can do to fix this problem because it is causing my have issues with my credit since XX/XX/XXXX.
Product: Checking or savings account

My father, XXXX XXXX XXXX XXXX XXXX, born on XX/XX/XXXX, died on XX/XX/XXXX. I contacted the bank about the funds in his checking account, Popular bank in Puerto Rico corporate office. They informed me that they requested Proof that my sister and I were the only heirs to the funds in the account. We needed the funds to cover my funeral cost. We submitted the Proof from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  that we were the succeeding executor on the account. Weeks later, after submitting the evidence that they required Proof of death, Proof that my sister and I are the only heirs verified with the courthouse in my jurisdiction and where my father had passed away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX manager at the time. To receive those funds, we would have to fly to Puerto Rico at our expense, Lodge, at our own cost and hire a local attorney to Verify our identity at our own expense. 
At this time, I want to know what happened to the funds in my fathers ' account did ; any unauthorized access has been made If the funds are recoverable to resolve the burial obligation.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.
Product: Credit card or prepaid card

I applied for a Capital One credit card, I recieved a phone call a few days later to verify my identity. After passing the identity test or whatever I was told that I would be mailed out a card. 

Now I am being told that I need to verify my identity again before the card will be sent out. I tried using the website to upload the documents, but the website is not working. It keeps giving me an error message ( picture attached )
Product: Money transfer, virtual currency, or money service

I sent XXXX via wire transfer from XXXX XXXX XXXXXXXX to Wells Fargo on XX/XX/2023. They money was delivered to Wells Fargo but they held the money due to a question about a word in the comments ( Water ). The question was addressed on XX/XX/2023 via an update from XXXX XXXX XXXXXXXX. The money was never released to the intending person. So after 3 weeks of waiting, I requested the money be returned back to me on XX/XX/2023, via submission of a claim from XXXX XXXX XXXXXXXX. It is XX/XX/2023 and i have yet to receive any update from Wells Fargo on the return of the funds. I have tried to call them to discuss where the money is but due to the fact that i do not have an account with them, they will not speak with me. I have asked the original receiver of the funds to speak with Wells Fargo. They explained that Wells Fargo says they have no documentation of the transaction, even though i have confirmation that the transaction was completed successfully and that Wells Fargo is holding the funds.
Product: Credit reporting or other personal consumer reports

I called the XXXX XXXX asking them how is that, this old account is allowed to reappear back on my credit reports, That said I need to contact Capital One, and file a dispute on that account again, I have been highly XXXX, I trying my best to build credit to buy my first home, and the credit bureau hit my credit reports, XXXX time in XXXX month, for no reason, I am not using any of my credit cards, in months because I`m trying to move forward.

to whom it may concern would please get on them about lower my credit score, for no reason. I no the CFPB took XXXX to court and won that case, The Presidents year after year do not anything to say about the XXXX credit bureaus that set people back life, all XXXX need a upgrade. 
I Thank you for you support.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 reporting, credit repair services, or other personal consumer reports

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX XXXX and Experian and they update as accurate please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts of my XXXX  report that are adverse and incorrect
Product: Credit card

Dear Citibank Customer Service, I am writing to formally express my frustration and disappointment regarding the incorrect information provided by your representatives about my credit card account ending in XXXX. 

In XXXX and XXXX, I spoke with Citibank representatives who assured me that I should call back after XX/XX/XXXX to set up a payment arrangement. However, I have now been informed that this advice only applied to my other two credit card accounts, not to the one ending in XXXX. Had I been given the correct information at that time, I would have addressed the issue immediately. 

Today, when I contacted Citibank, I was told that I should have called by XX/XX/XXXX, a detail that was never previously communicated to me. As a result of this miscommunication, my account now reflects a XXXX late payment, which has severely impacted my credit score. I have never made a late payment before, and it is unacceptable that my credit is now damaged due to misinformation provided by your representatives.
Product: Debt collection

Called and said I owed check into cash XXXX $ and XXXX XXXX XXXX out of XXXX, tx. Stated they were going to file felony charges at the end of businesses today. I would face up to 2 years In jail and a warrant would be issued. They refused to provode any written communication or validation of the debt. They also refused to provide an address for the business. They called my father in law and told him I was a criminal. When trying to further communicate with the business I was told my only option was to pay or go turn myself in.
Product: Mortgage

nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80  pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare  XXXX   XXXX  last  XXXX  and just went to my  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo   XXXX   XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer with Loan at Last since XX/XX/XXXX. I have paid off a couple of loans in the past. Around XX/XX/XXXX I was going through a hardship and the company settled the loan with {$50.00}. I took out another loan and I was approved for {$1000.00} the payments were {$110.00} weekly I reached out in XXXX and asked if I can change my frequency to bi weekly. I started to pay {$220.00} every two weeks and then I ended up lowering my payments to {$110.00} I ended up making two payments so far. Loan at last ended up extended my loan for 60 days I began paying XXXX XXXX I was able to make two payments on XX/XX/XXXX I asked if my payment can be deferred to the end of the loan term due to a hardship which was done I reached out a week prior to see if my payment can be rescheduled the agent who i spoke to rescheduled it for XX/XX/XXXX and XX/XX/XXXX. I thought my finances would improve but my expenses have increased and I am on a fixed income. I reached out on XXXX XXXX and I spoke with an agent named XXXX via live chat and I explained the situation to her and she told me that unfortunately the skip a payment option has been used and the payment has been scheduled she offered to schedule me a call back to discuss other options she told me that there are other options available and that they might lower the payments. XXXX scheduled the call back for Wednesday XX/XX/XXXX at XXXX I was up early and I did not receive a call back to discuss options and now I am in a bind. I am on a fixed income and Im barely getting by. I would like to have these payments lowered or settled the account for what has been paid because it is causing me to be tight with finances and Im struggling to make ends meet. I want to be out of this.
Product: Debt collection

Say I was seen in emergency room for XXXX I am XXXX yrs old had them when I was XXXX & XXXX. Notmy debt
Product: Credit reporting or other personal consumer reports

Hello, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).

Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. 
Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are still reporting two old XXXX XXXX  accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after seven years. On XX/XX/XXXX it was officially seven years so these accounts should be deleted. These are XXXX XXXX  account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from Equifax since seven years has passed on XX/XX/XXXX. XXXX and XXXX have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with Equifax. I hate dealing with Equifax they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX and XXXX but not for Equifax? Equifax is not following the law and reporting incorrectly. When I dispiute with Equifax they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is 7 years old as as of XX/XX/XXXX. So is it that Equifax thinks they can do whatever they want and report different? Why there always problems with Equifax. I don't have same problems with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2020 since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights I am demanding a deletion of the following ( XXXX XXXX  XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my consumer credit report.
Product: Vehicle loan or lease

Santander is reporting that my client still owes a balance, and the account got placed for collection status. My client was trying to get financed for a home, but this debt is preventing my client to get the necessary financing. On XX/XX/XXXX I sent a certified letter to get verification of the amounts that Santander claims that my client owes, as of today XX/XX/XXXX we have not received any response. 

In the certified letter, I attached a POA, tracking number # XXXX.