23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I occurred at least XXXX dollars in charges for insufficient funds when the funds were there forcing me to have to close my account on bad terms bills were sent back causing me to lose XXXX dollars declined payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I toched base with XXXX from DriveTime to discuss what considerations goes into determining my final interest rate on my new vehicle loan after having my other trade deadline deleted because of the issues I was having with my prior vehicle. After explaining what had happened it was brought to my attention that my credit score went down in the span of 6 plus months which is not unheard of and can take some responsibility for that of course but as a company trying to take care of its paying customer is where they are lacking severely. I'm being punished because of my lack of knowledge of lending so if you are looking at it from my prospective because of my lack of knowledge of how lending works and their unwillingness to help me get out of my vehicle at the time I had to try other avenues to try to get out of set vehicle with out hurting my credit which is my whole goal in the first place and after they offered me to buy my earlier vehicle back steps I had taken before actually hurt me. SO from my point of view they bought a vehicle back that should have never been sold to anyone in the general public and made out yet again because of mistakes I had taken not knowing any better they are now making over {$500.00} over the life of the loan when I had actually financed {$100.00} less then my prior vehicle. In the past 6 months to a year I have accomplished nothing but heartache and credit going down because of the miscommunication between both me and XXXX/DriveTime. How is any of this far. I have on record them stating the reimbursement check they sent to me promised to be to me at a certain time wasn't to deliberately make me slip up and make a late payment which I haven't. The lack of help I have been given this far is amazing they are still able to do business but like other responses on record they are covered by letter of the law or so it seems. I know the CFPB cant act as a governing body but should be able to set something right. I plead with You I have done everything correctly and can admit my faults in my case. I haven't done anything to cause harm or ill will towards XXXX/DriveTime but seems like I have too because the system is broken. Alot of consumers are unaware of the CFPB and am surprised I am still having to summit complaints about company that has been fined by you in the past for doing the same questionable business decisions. What am I to do? I have 145 bi weekly payments to make to them make it living XXXX like it has been for me this past 6 plus months. I would stopped filing complaints if they just did one thing they had promised me they would do which at this point they have failed horribly. For Example :  When I was offered reimbursement check and was lied to about its actual arrival time. Do you now how it feels to be a grown adult and being assumed and treated like Im less than nothing? Can you put price on that? An eye for an eye!!! Treat me like kid I'll act like one.
Product: Credit reporting or other personal consumer reports

I review my consumer report and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assume a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account. 
please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be, or DELETE the account from my report. 

Thanks
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting late payments on account XXXX XXXX during XXXX and XXXX. According to the Fair Credit Reporting Act late payments are a violation under 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to File a formal complaint on behalf of Experian On XX/XX/XXXX I sent in a letter asking them to please send me the Original signed consumer contract for any and all accounts that they post on my credit report But they refused to send me any of the Information that I asked them to Provide. Per The Section 609 ( a ) ( 1 ) ( a ) Experian is REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT IN MY CASE THEY DID NOT PROVIDE ANY OF ORIGINAL DOCUMENTATION REQ UNDER THE SECTION 611 ( A ) ( 1 ) ( A ) OF THE FCRA A CONSUMER CONTRACTWITH MY SIGNATURE ON IT AND ALSO SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THE LAW IS VERY CLEAR ON THIS LAW.

i HAVE REACHED OUT TO THE MN ATTORNEY GENERALS OFFICE FOR ADVISED ON THIS I ALSO ASKED THAT E XPERIAN PLEASE UPLOAD THE CONTRACTS WITH MY SIGNTURED ATTACHED ON THIS CFPB SITE WHEN YOU RESPOND TO THIS COMPLAINT. IF YOU ARE UNABLE TO DO SO PLEASE REMOVE THE ACCOUNT LISTED BELOW ASAP I ALSO ASKED EXPERIAN TO NOT REPLY BACK WITH I NEED TO CONTRACT THE CREDITORS THE FCRA 609 / 611 AND SECTION 617 REPLIES TO THE REPORTING AGENCIES WHAT WOULD BE.

AS YOU TRIED TO DO THAT WITH A XXXX XXXX   ACCOUNT I WILL NEED FOR THIS ONE TO BE REMOVED ASAP SEE FILE FOR COMPANIES FEED BACK!

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX | DOB XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX 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. 

I demand the following accounts be verified or removed immediately. 
ALL CREDIT INQUIRES 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: Credit reporting or other personal consumer reports

The involved debt collector has purchased this debt from a creditor. 
The Debt Collector obtained my information, and private info illegally without my authorization. Nor is this debt owed to the party or have a contractual binding to the debt collector. The amount of the Debt {$1600.00} sent certified letter to company on XX/XX/scrub>/2025. This violation is clearly a violation of 15. U.S. Code 1692g, 15.U.S.1692 ( b ), 15. U.S.C. 1692c. 805c.
Product: Student loan

Over the last several years I have received constant phone calls about my student loan payments, when they were due, late, behind, etc, even harassing calls. I have been told different balances owed or different dates which were contradicting. I have also been denied types of deferment and/or postponments. I finally ended up not answering the calls that came in from XXXX XXXX or Navient. That is the only option I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both XXXX, XXXX, and Comenity ( New York & Co ) to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports ( XXXX  and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX/Comenity New York and Co? 
It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Product: Debt collection

I had XXXX mortgage. Then I did loan modification XXXX years ago. I thought it included both mortgages. Never received any note stating I owe a XXXX mortgage Till now from a collection agency stating I owe a huge amount plus interest. Totalling XXXX Try to get legal help to get advise in what to do. I was told not to talk to the collection agency till I talk to a lawyer. But don't have the money to do so.
Product: Mortgage

I received notice XX/XX/2023 that XXXX XXXX sold servicing of my loan to Roundpoint effective XX/XX/2023. I paid my XXXX payment to XXXX XXXX because I generally pay early, so I am not concerned about missing a payment or being late for XXXX. My concern is that Roundpoint has yet to send me a statement for the XXXX payment ( they possibly think I would owe ) or the XXXX payment that is due in 4 days. I received an email from Roundpoint giving me a new loan number several weeks ago, and calling them results in no option to talk to a person. I do not want to set up an auto pay with Roundpoint. I want a monthly statement so I can mail a check to them. My complaint is that Roundpoint for the last 5 weeks plus surely should be expected to send me a mortgage statement by mail.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding two accountsXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXlisted on my credit report with inaccuracies. These inaccuracies have obstructed my ability to access credit for essential purchases such as a home or vehicle, causing severe financial hardship. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I discovered incorrect information associated with this account on my credit report. In compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, I requested verifiable proof in the form of the original signed contract. However, the company provided only billing statements, which do not meet the legal requirements for verification. This failure has adversely impacted my credit score. 

XXXX. XXXX XXXX XXXX XXXX - This account, which I did not open or authorize, is the result of identity theft. The breach may have stemmed from the XXXX, XXXX XXXX, or Social Security data breaches. Despite repeated requests for resolution, the creditor has failed to provide verifiable proof or respond adequately to my inquiries.

Additionally : - Several hard inquiries remain on my credit report beyond 30 days without proper authorization.

- I am requesting a Promotional Suppression to prevent my credit file from being included in promotional lists shared with creditors. 

I also invoke the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which mandates proper documentation for obligations or debts. As these financial instruments require strict compliance, I demand the removal or correction of any unverifiable account information and hard inquiries to ensure compliance with this international convention.

Dates and Actions Taken - Identified inaccuracies on my credit report.

- Submitted dispute requests to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Received only billing statements from XXXX XXXX XXXX , which I did not recognize.

- Followed up with both creditors, requesting proper verification and physical contracts.

Despite my efforts, the issue remains unresolved. Therefore, I request the CFPBs intervention to ensure my rights under the FCRA and the XXXX XXXX XXXX are upheld. If these inaccuracies are not corrected or removed within 30-45 days, I will initiate legal action to recover damages of {$1000.00} per inaccuracy on my report.

Thank you for your immediate attention to this matter.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

As of today, XX/XX/2021 per my APP, XXXX, XXXX and XXXX are still pending from my account and reflect, " processing ". XXXX even stated which I have in writing, advised they were still withholding funds from the account. The amounts that were pending authorization, have not been released. I've followed the protocol to submit the form in which four points provided too and there is still not a solution. This is unethical and I would like a ledger balance showing the pending hold and the so called proof of the release on paper. It seems that when there is a hold, there is a disconnect with the app and the funds appearing they're being released on XXXX end. In reality, they're not. Please review properly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated FCRA law on multiple occasion but failing to properly update or remove the account in question. I have disputed the accuracy of the account over XXXX times and there are things such as Account Status that are still reporting inaccurate causing injury to myself and my financial standing. I have included a screenshot of the account and it's reporting. At this point I am ready to proceed with arbitration to rectify this issue. 

I am asking XXXXXXXX XXXX to provide me with instructions on how to arbitrate this debt and it's inaccurate reporting on my credit report for both my Experian and XXXX.
Product: Bank account or service

Suntrust bank has intense and unrealistic sales goals and tactics. They go as far as calling people ( telemarketing ) but try to describe it as " customer opportunities. '' They are one of many banks with awful sales tactics and how they push them on their employees. They are also one of the banks opening false accounts and credit cards for their consumers without their knowledge
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX Services have incorrect information on their report. They did not provide bankruptcy information and other accounts accurately. 
First premier credit card and XXXX  XXXX XXXX XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to Equifax, XXXX  and XXXX  requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. 

It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. 


Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't me.
Product: Credit reporting or other personal consumer reports

Contacted stating account was not mine no knowledge of the account
Product: Mortgage

I have gotten no response to calls I have left for my Home retention specialist at Wells Fargo home Mortgage. I have left multiple calls and yet no response. I have also received a letter from my Home Retention Specialist stating that we had a phone conversation. We have had no conversation at all. Please see the attached letter of complaint to Wells fargo for more detail. I have also had recent money returned {$1200.00} with a later stating not enough o make a payment then I made payment {$3300.00} and I received an email stating that it would be held for remainder of a payment? then a letter stating that I had an overage in escrow that was being held. I am trying my best after my initial complaint to Wells Fargo and the CFBPB to get my account in good standing based an error that was made on behalf of Wells Fargo Associate and his instructions to me that I followed. I am very concerned with Wells Fargo home Preservation Associates not returning my call when the voicemail says wishing 48 hours My initial voice mail was left on XX/XX/2017 still no call back. I have had my home for 17 years and need assistance. I am losing countless hours of sleep due to stress and non resolution.
Product: Vehicle loan or lease

Please see previous complaint number cited below XXXX I am providing new contact information for the company. 

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Principal Address XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

I had initially made two purchases with Coinbase on XX/XX/XXXX ( {$650.00} ) and XX/XX/XXXX ( {$150.00} ), were charged almost immedietly, and had money in my service with them following. Today, XX/XX/XXXX, I was charged these two amounts again as well as international fees of {$1.00} and {$5.00}. These unexpected charges caused my bank to overdraft my account causing me to lose money in overdraft fees. When attempting to contact Coinbase there was no clear way to talk to someone about the issue, I spent more time looking for someone to give me any answers than I did finding actual answers.
Product: Debt collection

I was charged by XXXX for service and phones they did not provide me for almost two years. I finally switched to XXXX along with my original numbers and canceled XXXX after paying for nothing for years. Once switched to XXXX XXXX continued to charge me for phones and service I had with another company for months. Every time I called them to let them know I was n't a customer anymore they said a supervisor would call me immediately and never did. XXXX has tried to use a debt collector before to collect debts I do n't owe and they found it in favor of me. Now they are using a company that you ca n't understand the people, their phones crackle and have no service. I recorded our conversations because it was appalling. I told them I do not owe anything to XXXX and dispute the whole charge and they still tried to get me to pay over the phone. The company now that 's an absolute scam with the potential to effect my credit is Credence XXXX
Product: Debt collection

I have received numerous calls from this # stating i owe a debt ; when call back must wait 10 min. to leave message to send a written bill & DO NOT CALL ME AGAIN! They persist. Can not understand the caller when I 'm able to answer. I do NOT owe ANY debt I am aware of! Why have I not received a bill in mail? On web, this # is dubbed telemarketer.
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. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX "
Product: Debt collection

I have sent several letters for this company to verify this debt to no avail. They simply don't respond. This debt should not be on my credit file. They wont or cant verify the debt is mine.
Product: Money transfer, virtual currency, or money service

Dear Manager XXXX XXXX HSBC US, I wish and hope you can help me out of my present financial crisis situation, as XXXX XXXX HSBC XXXX transferred XXXX to XXXX Account. So I request you to help to contact XXXX  XXXX to transfer next time directly to my account instead of XXXX, And verify if XXXX XXXX is legitimate. 
And how can I claim XXXX back to me, and do I have to pay a fee to receive that amount when it is seperately from The US federal government funds, why will I have to pay {$200.00} fee why it won't be transferred immediately when I'm the beneficiary to request that funds in urgence? 
So please reply and explain me know. I'm not a victim of any scam this XXXX is my estate. 
Thank you, XXXX XXXX XXXX : I'm looking forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies in my Equifax credit file. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 as I have tried multiple times to have Equifax correct the inaccurate reporting.
Product: Debt collection

I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1400.00} & {$180.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX