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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Transunion to remove the account listed below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 

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

I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus and a FTC identity theft report. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

There are two seperate accounts from this company reporting fraudulent and inconsistent information to report. 
The history for XXXX is missing -- COMPLETELY The history for XXXX and XXXX has gaps in payment history.

None of the information is consistent across the three credit bureaus.

Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Product: Mortgage

Regarding : Wells Fargo loan # XXXX XXXX XXXX XXXXI would like to file a formal complaint against Wells Fargo to correctly report the loan so that there are no missing months of reported status on the HELOC loan. We have been told it is illegal for them to stop reporting on a loan. 

I and a friend/business partner had a loan from Wells Fargo on the house we purchased together. 

The house was sold on XX/XX/2015Wells Fargo has failed to report the status of a Home Equity Line of Credit ( HELOC ) to the XXXX credit agencies. 

I am now married and we are trying to get a loan to buy a house. 

XXXX XXXX XXXX XXXX, our lender, has discovered that XXXX XXXX mistakenly recognizes this lack of reporting to be the equivalent of " the property is now in foreclosure '' This Foreclosure flag on a lending application is denying us a clean ability to get a lower priced loan. 

The lending company, XXXX XXXX, has people that work directly with the credit agencies to clear up credit issues but in this case they are unable to simply correct the reporting issue. 

XXXX XXXX, the only lender that would allow us a loan without requiring mortgage insurance, has refused to recognize they can look into the matter and make the change. 

If Wells Fargo would change their reporting status, then XXXX XXXX 's automated system would no longer be fooled into " thinking '' that a foreclosure had ever happened. 

We will submit Please contact me right away and we can provideCan you please help? 

Thank you, XXXX XXXX
Product: Debt collection

NCC Business Srvcs is attempting to collect a debt that I have no knowledge about the original creditor nor the collection agency will/have validated this debt with me which is a violation of FCDPA section 809. Secondly the statute of limitations in Arkansas which I reside has expired for the original creditor or collection agency to collect.
Product: Credit card or prepaid card

On XX/XX/2021 a charge appeared on my statement in the amount of {$200.00} for XXXX. I disputed the charge because at the time the charge appeared on my statement, I had not ever heard of XXXX XXXX  and had not ordered anything from them. I later learned that they sell wigs and other fake hair products. Products I do not and have never used. 
The charge was initially reversed by XXXX. In the days that followed I received emails from XXXX XXXX with my name and address and asking me to confirm the information was correct. In their email they did have the correct name ad address. They also asked me if I received a package from them and I told them I had not. I still have not. XXXX reversed the credit and now refuses to further investigate. I have been trying since XXXX to get this resolved
Product: Credit card

Chase has cash back Offers for specific vendors. You add them to the card and use it by the expiration date and terms. I added an offers for XXXX 10 % back, expired on XX/XX/year>. I added the offer and that was a big reason I made my purchase on XX/XX/year>. 

After waiting a week later and not seeing the cash back, I contacted support. They said the offer didn't exist and don't see it. I couldn't see it either, though I know it was there ( and online searches, including XXXX blog itself, mention the offer ). Contacting them over and over and getting delayed responses ( past the 2-5 business days they said ), they still kept repeating that the offer didn't exist, rather than looking into why their system made it disappear. They said they escalated to a special team over a month ago and I either haven't heard from them ( more than 5 business days later, more like 30+ days ) or they gave the same response. 

This seems like a common issue with a quick online search of Chase cashback Offers disappearing and customer service not providing reasonable resolution to their system 's issues. This is misleading to consumers and little recourse is available. 

On top of that, the delay in response and no resolution has made my purchase accrue interest, since I did not expect it to take this long to solve what seems to be an easy and common problem for them. I wanted to get my final total to pay off, though that's partially my own fault for trusting them to own their mistakes and fix in a reasonable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent certified mail to Experian containing 3 notarized documents containing my current drivers license, social security card and proof fof residence for the last 6 years at the same address on DL. I have been experiencing issues of someone using my name and trying to obtain credit and bank accounts under me identity. 
I asked Experian to remove all the old address from my file. According to the Fair Credit Reporting Act they can not list addresses that are not deliverable to me by the USPS. I just received Report # XXXX for XX/XX/2018 and it states that they will not remove the old addresses or any other incorrect data such as misspellings of my name. 
I contacted one of my ole landlords and they told me they just received an offer for XXXX XXXX of credit approval in my name. I need these addresses deleted for security reasons. Thank you for your assistance. Also XXXX and XXXX XXXX have already removed the old info.
Product: Credit reporting or other personal consumer reports

XXXX deleted and XXXX deleted the bankrupt that was dismissed two weeks after it was filed two years later on my behalf but Experian and Equifax refused to and I submitted proof of dismissal documents from the judge I never met that dismissed it and the court document all by certified mail but their response was to contact XXXX the reporting agency. The reporting agency Supervisor and I had a conference call stating they were no longer reporting it. Just the run around from Experian and Equifax to ruin my credit. XXXX did not have a problem and this was XXXX
Product: Mortgage

I applied for a refinance with XXXX XXXX ( who is now rebranding to become XXXX XXXX ) back in XX/XX/2020 for a simple refinance. I was told multiple times that my loan had been approved and was being sent to underwriters for closing, and then I wouldn't hear anything for weeks or months. They'd come back and ask for additional documentation, and we went back and forth in this way probably close to XXXX dozen times, resulting in them pulling hard hits on my credit score for what seemed like no avail. I never saw any documentation, and am frankly afraid that I've shared loads of my personal business with a sham company that never had any intention of granting my loan. It's unclear what the problem is on the back end, because I have stellar credit and plenty of cash, and the property I'm working with is low-risk in a safe neighborhood. I'd appreciate an investigation, because as I scour the internet, I'm seeing multiple accounts of the same situation - people are being led through a " simple '' refinance application and then left hanging to dry.
Product: Payday loan, title loan, personal loan, or advance loan

I was a company of your new.maon financial and want to be included on the lawsuit for deceptive practices
Product: Debt collection

this debt was supposed to be paid by insurance. Insurance did not pay and the company said they would ruin my credit.
Product: Checking or savings account

At the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX on Saturday XX/XX/20 at about XXXX, I went to get cash ( {$120.00} ) from my checking account ( as I have been doing once a week for about the last 15 or 20 years to get cash to use at the gas stations which no longer accept checks ) and the bank personel refused to honor my request. They said they were discriminating against me and refusing to give me MY MONEY because I don't wear a face mask. When I told them that they don't have a right to refuse me MY MONEY, they ( XXXX XXXX ) called the police ( officers XXXX  badge # XXXX and XXXX XXXX badge # XXXX of the XXXX County Sheriff 's Dept. ) to escort me off the premises. Because the bank refused me MY MONEY and used armed force ( the police ) to force me to leave without MY MONEY, the bank has basically committed armed robbery against me. In their act of discrimination against me. The resolution I am seeking is stop them from continuing to try to force people to wear masks which is a violation of everyone 's basic human rights, as a virus can not be transferred thru the air or by touching anything ( a virus is only a protein fragment produced by your own body and is never alive and can not reproduce and is not contagious. You can only get a virus from an animal or from someone elses body by having it injected into your bloodstream ). I also want you to start a class action lawsuit against the bank on behalf of all citizens to seek damages against the bank for their violation of everyone 's basic human rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

onXX/XX/XXXXthere were charges made to my US Bank Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due untilXX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from US Bank in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with US Bank and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Product: Credit card or prepaid card

The problem started back in XX/XX/2021 and after sending numerous emails I am still unable to access my cards. I have seven cards in total each to the value of XXXX making it a total of XXXX. I earned this money answering surveys on a survey panel internet site. The company asked me to send copies of my identity which I have done but they have still not released my funds. They either don`t reply to my communication or if they do reply they include links that I am unable to click on. I have told them about this issue but they just don`t reply to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can obtain my Credit report from XXXX and XXXX with no problem. I can obtain my XXXX and XXXX credit report on their website online with no problem. However, I can never access my credit report from Equifax at XXXX XXXX XXXX which has been problematic for me to obtain my credit report since 2017. These issues continue to keep happening over and over again. I'm requesting my XXXX XXXX XXXX from Equifax.
Product: Vehicle loan or lease

Santander Bank is ripping me off with late fees and bombarding me with ROBO-CALL after ROBO CALLS. I have been paying them on time since XXXX. I did have a medical problem in XXXX. But I have been paying on time the last 18 months and they keep charging me late fees and no one answers the phone when I call after being on hold for 20 minute sto half an hour. I have been making my car payments. They are charging me another Car Payment of late fees of {$220.00}. Those late fees should be revered. Attached is my download of car payments from my XXXX account. The CFPB should stop them from pushing consumers under with late fees even though they are paying on time. See attached.
Product: Credit reporting or other personal consumer reports

NOTE : XXXX did accidentally close CFBP complaint # XXXX citing it as a duplicate of XXXX complaint # XXXX and/or XXXX complaint # XXXX. When in-fact XXXX complaint # XXXX is a unique and NEW complaint regarding CAPITAL ONE AUTO FINANCE. I am now opening this XXXX complaint ONLY because XXXX did wrongly close CFBP complaint # XXXX. DO NOT CLOSE THIS COMPLAINT FOR BEING A DUPLICATE, AS YOU WOULD THEN BE REMOVING MY POSSIBLE REMEDY FOR THIS NEW AND UNIQUE XXXX COMPLAINT. 

Approximately XXXX weeks ago I contacted Capital One Auto Finance that my consumers nonpublic personal information, as defined by 15 USC 6809 ( 4 ), is being illegally shared without my express consent, per 15 USC 6801 thru 6809 and 15 U.S. Code 1681b ( a ) ( 2 ), and am now expressly opting out of sharing any of my consumers nonpublic personal information with nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. Capital One Auto Finance has yet to update my credit reports by removing/deleting the trade-line on XXXX, XXXX, and XXXX. Additionally, I did notify Capital One Auto Finance of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called synchrony bank and explained that someone created an inquiry on XXXX XX/XX/2021 on my XXXX credit report. i talked to a lady and we agree it was fraudulent and would contact XXXX to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything XXXX refuse to help as well
Product: Debt collection

Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a PO Box where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was AA recovery solutions, also used the name AARS. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the XXXX representative couldnt tell me anything about the debt. Also called a XXXX phone number given to me by AA, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. AA recovery solutions said XXXX XXXX bought the debt, and AA recovery is the third party used to collect the debt .... Ive been told so many things by AA recovery solutions, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information AA has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.
Product: Debt collection

XXXX XXXX office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. National Credit Systems is  also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX Bless.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. 

AccoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 reporting or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX