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

I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions,  XXXX  XXXX XXXX, XXXX, and the XXXX  Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions, XXXX  XXXX XXXX, XXXX, and the XXXX   Dispute Department. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Product: Vehicle loan or lease

We received a call from Wells Fargo Auto Finance with no extra information. All the caller did was introduce himself and tell us he doesn't have any information on the missing GAP payment and said he needs more time. IT HAS BEEN ALMOST 2 MONTHS. WE NEED THIS LOAN RESOLVED. WE ARE DONE WAITING. WELLS FARGO IS STEALING MONEY AND I'M NOT ACCEPTING IT. I WANT TO KNOW WHERE THE PAYMENT WENT IF IT WASN'T APPLIED TO THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account status : Open ccount name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my Transunion credit report and noticed that there were unauthorized inquiries being reported. 

I wrote to Transunion on XX/XX/XXXX via certified mail ; requesting that they please investigate these unauthorized inquiries.

Transunion responded with a one page letter, literally belittling my letter that I wrote to them. I was very offended to have an organization such as Transunion to tell me that I do not know how to write letters and that it was a " third party '' that I didn't properly authorize this. 

Who are they to be condescending of someone that they do not know, have never met, or know who I am? ( Please see this rude letter! ) I then write to Transunion again, on XX/XX/XXXX, in a more " Simple '' manner, to help them understand the consumer law which state the Rules of Construction on Unauthorized Inquiries. 

To this date, XX/XX/XXXX, Transunion has neither responded or sent information that they invesitgated my disputes. 

I think that they may feel above the law and do not have to adhere to such disputes.
Product: Debt collection

ALLY FINCL XXXX XX/XX/2013 {$12000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card

After checking my credit report I found XXXX accounts that I did not open. I contacted the institutions involved and informed them of the problem. I contacted the local police and opened a complaint. I received a case number. My adult son opened these accounts while he was living in my residence. He has since fled to California. 
He restricted phone and mail access to cover what he was up to. 
He also opened a XXXX XXXX account, but when I contacted them they refused to cooperate and threatened me with collections.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach and because of that I have had multiple accounts including credit cards and cell phone accounts and an installment loan opened in my name. Also numerous hard inquiries. I have have contacted all 3 credit bureaus multiple times and they are refusing to remove the information from my credit report. I have filed a report with identitytheft.gov so it is reported that the accounts are not mine.
Product: Credit reporting or other personal consumer reports

Affirm is not the original lender, XXXX XXXX XXXX  is. The description of my loan on my app is a bike and 12 month limited membership. I received the bike, but I did not receive a limited membership, XXXX charged my account over {$40.00} every single month from the time I received my bike, not only that but the bike dropped in price {$400.00} and I never received any kind of credit for that amount. I am being reported as having a late payment in XXXX of XXXX  and that is incorrect. Affirm does not protect consumers, they label as a layaway program- yet destroy your credit report with incorrect information and refuse to follow due process when investigating information. I have also fallen victim to a massive data breach thanks to Affirm.
Product: Money transfer, virtual currency, or money service

I made purchases using my PayPal account. Each purchase is zero percent financing if paid off in a certain time frame. I have always made sure that the payments are made to continue the zero percent offer. Most times the offer is for 6 months. My last 4 purchases were for longer periods of time. In XXXX, PayPal started taking my payments and putting them on the purchases with the longer time to pay instead of putting them on the purchases that were coming due. I contacted PayPal. They are looking into getting it corrected. I am hopeful that they will. I am filing this complaint because they claimed it was a computer issue. If the computer did this to me, then it is doing it to other people as well. I felt that since you are consumer protection, you could do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity stolen through Equifax data breach. Been trying to work with them to get fraudulent inquiries removed but they wont. 

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

Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account
Product: Debt collection

I have been disputing this account with Upstart Network from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!
Product: Debt collection

I have a {$90000.00} advancing line of credit with Wells Fargo Bank that I have advanced {$90000.00} against it. The bank has offered me a payment assist option to get it paid off in 5 years at 1 % interest. Payment would be {$1500.00} per month and I would be paid off in 5 years, but I could only make payments against it and I couldn't borrow against the note. I like the deal but I can not make payments of {$1500.00} per month so I offered to do the deal at {$780.00} per month for 10 years.Wells Fargo refused to go 10 years on the payment schedule saying they can't do it but they never responded as to why they could not do it. To me it is basically the same deal, with only the time and payment amounts being different. I am XXXX XXXX XXXX and have XXXX XXXX XXXX. I have been a customer of the bank for over 50 years and never had a problem with them until now. Why won't they do the deal I have proposed? I have talked with over 20 people at the bank from Payment Assist to Executive Department and met with personal bankers and loan officer face to face and have not made any progress. They just refer me to someone else who will not help me.
Product: Vehicle loan or lease

I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.
Product: Credit card

Throughout my history with this account, I've consistently made sure payments are made promptly, never allowing them to fall behind schedule. I find myself uncertain regarding the rationale behind the presence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Equifax put the XXXX XXXX ( Account # XXXX ) account back on my credit report without doing a proper investigation or notifying me within 5 business days, which breaks the law under 15 USC 1681i ( 5 ) ( B ) ( ii ) - ( iii ). This account was DELETED BEFORE, but now its back without any valid reason or proof. By law, Equifax is supposed to make sure the information is accurate, notify me about the reinsertion, and provide details like the business name, contact info of the company that verified it, and my right to dispute it. I DIDN'T get any of that. Instead, I got a generic notice, which makes me believe no proper investigation was done. Also, under 15 USC 1681b ( f ), NOBODY is allowed to pull or report information on my credit without a valid reason. By not following these rules, Equifax is responsible for willfully breaking the law under 15 USC 1681n and being negligent under 15 USC 1681o, which makes them liable for damages. I need proof of verificationwho they talked to, how they verified the account, and any documents related to it. If they cant prove it, they need to delete the account right away. If this doesnt get resolved, Ill be forced to take further action.
Product: Debt collection

Received a letter dated XX/XX/2021 from Allied international credit corp under reference # XXXX stating that i have unpaid ebay balance of {$120.00}, That to call XXXX XXXX at XXXX XXXX XXXX to make payment, However i do not even have an ebay account, have not transacted with XXXX  Here is the full data XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Virginia XXXX
Product: Credit card or prepaid card

I've been fighting with USAA for close to a year now about some credit card accounts opened in my name, as a result of identity theft.

USAA continues to Deny my appeals, and says they have determied the charges were authorized.

When I first opened my USAA account back in like XX/XX/XXXX, I only ever had a checking account, I never had any type of credit card loan through them.

Then around XX/XX/XXXX or XX/XX/XXXX I stopped using USAA and started using my Credit Union, since there arent enough USAA branches in my area.

I was not using anything credit related, so never really had a reason to check my credit report, though I knew I've always had pretty good credit. 

Then last year I applied for an apartment lease, and was denied based on my credit rating. So Immediately I went online to see what was going on, and to check my credit score. 

It was then that I discovered roughly 20 or so different credit cards and loans all taken out in my name, and maxed out. of the ~20 cards, 2 or 3 were USAA , along with 2 personal loans from USAA as well. 

All these cards and account were all opened within 1 month of each other, yet I was never contacted for any kind of verification or validation of these applications. 

I've explained all this to USAA multiple times, and they have continued to deny my appeals, for reasons i have not been given. 

Of the ~20 cards I previously mentioned, just about all of the other banks have removed them off my credit report, the 1 major bank still causing me problems is USAA . 
XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
All of these banks cleared me with no questions asked, I never could have guessed that the 1 Problem bank would be USAA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX  I sent a wire from my account at XXXX XXXX  to another business account at Wells Fargo Bank in the amount of {$3900.00}. I am in the music entertainment media industry and the proceeds were commission for an artist. Wells Fargo denied the wire requesting additional information for a name that was input in the memo field. This has nothing to do with the business in which I sent the wire to. I am unable to provide them with the information they are requiring because it is personal information of an individual who is referenced in the memo field. This has nothing to do with the beneficiary who is receiving the wire. I requested a recall on the wire, and they are refusing to return the money stating that its mandatory that I provide information for an individual referenced in the " memo '' field. This is unlawful and has had an impact on me conducting business. Not to mention the negativity it has had on my reputation. I need the CFPB to intervene so that I am able to retrieve my funds. Please see details below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX- XXXX XXXX XXXX ( Wells Fargo ) Date wire initiated- XX/XX/XXXXXXXX  Amount- {$3900.00}
Product: Debt collection

I filed a compl aint ( Case n umber :  XXXX  ) and the debt collector agreed to cease the calls to my place of employment and yet they still keep calling from different numbers and they keep requesting copies of my credit report!!!
Product: Credit reporting or other personal consumer reports

About XX/XX/XXXX I applied for credit. Equifax provided information to my lender I believe is wrong. I contacted Equifax using their form to ask for an explanation of their erroneous data. About XX/XX/XXXX I received a reply from Equifax that was non-responsive to my request. On XX/XX/XXXX I filed my first complaint with CFPB ( XXXX ). I asked Equifax to explain their data or remove it. Around XX/XX/XXXX Equifax responded that they wanted me to explain their data. In other words, they wanted me to provide the negative information they are reporting in my credit report. On XX/XX/XXXX I filed a second complaint with CFPB ( XXXX ) providing Equifax with an exact copy of the wrong information they provided to my lender. I again asked Equifax to justify their data or remove it. In correspondence dated XX/XX/XXXX Equifax responded that " we are unable to locate a credit file in our database with the identification information provided ... '' Equifax now wants copies of identity document from me. 
I am not inclined to provided these documents for several reasons : 1 ) I have already provided everything Equifax is asking for including, name, address, date of birth and social security number. Providing the information again will not accomplish anything. 2 ) Equifax does not have a good track record of safeguarding the information they collect about me, to wit : " In XXXX XXXX XXXX  Equifax announced a data breach that exposed the personal information of XXXX XXXXXXXX XXXX  The company has agreed to a global settlement ... '' 3 ) I never asked Equifax to open a " file '' on me. Equifax did this for their own profit. I have no idea where your file is. 4 ) I provided Equifax a copy of the report they generated for my lender on XX/XX/XXXX. They had no problem generating that report and disseminating ( bogus ) data based on a request from my lender ( who had no more information than that which I provided to Equifax ), but now Equifax can not find its data? 
The incompetency here seems unfathomable! Equifax generated a report about me that I believe is wrong. They MUST correct it or stop disseminating bogus information about me. All of the details are in the prior complaints referenced above. I can not help you find your data.
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 XXXX XXXX Account Number : XXXX Account Name : 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

Bank Of America closed my Credit Card ( which i know is within there rights ) even thought i have perfect payment history for over 7 years never missed payment, with no explanation. Issue is i spoke to BOA today XX/XX/2020 about my Credit Card, asking for about my account, and i was transferred to the collections dept ( XXXX spoke to me as noted on my account ) she informed me i was in collections on a account i am NOT late on, with perfect payment history. i requested a reduction on the payments or interest from BOA as indicated to me they closed my credit card account based on my BAD financial situation as they see it. What BOA is offering is Nothing to help me with my account or terms ( interest/payments ) only to refer my account to a DEBT Consolidation company, and to further RUIN my perfect credit standing, as they did by closing my account with NO Reason. Due to there ( BOA ) actions i have suffered a drop in credit standing and loss of credit rating ( a very severe act and an attack on myself by BOA against a past excellent customer ), speaks volumes about the real BOA and how they DONOT value customers and have worst customer service and attitudes with they customer ( which i am now proud i am NOT one of these and never will be again )
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX bank ss, XXXX XXXX Auto XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated 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 account without my written instructions.