23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I obtained a simple interest loan in XXXX with Regional. The first monthly payment was due XX/XX/XXXX in the amount of {$590.00}. I made the very first payment on XXXX XXXX in the amount of {$600.00}, I also made a verbally indicated separate principle onlypayment of {$50.00} on this same day., both by phone to agent. I received statement/ receipt notice dated XX/XX/2022. On this statement/ also receipt I received, as well as, online DOES NOT show nor provide COMPLETE ADDITIONAL payment breakdown nor allocation of excess payment. I then proceeded to call regional and spoke with first female representative expressing valid concern regarding additional principal payments not indicated on receipt. She proceeded to confirm the principal payment was applied to principal but in order for customer to have record of payments in itemized detail showing additional payments, the customer have to call in every month to request by way of a supervisor showing complete payment breakdown. My concern is that this company is intentionally not giving complete payment history nor allocation on their website or their receipt statements of consumers payment Consumers have to call in and request itemized payment history to show additional payments and allocation in its entirety per month from a member of management if they are available. My concern is that this is a huge billing deficiency within this company. The consumer shouldnt have to call to get a complete itemized payment history every month when this information should be indicated, included and legally shown on monthly statements and receipts as payments are made for consumer record keeping and to ensure no company billing errors as anything else consumers purchased, pay for or paid on. I respectfully request this issue to be investigated and amended that this company start reflecting what consumers are paying them in its entirety on line and on mailed receipts for consumers as well. One other main point I would like to make is that I spoke with a supervisor after initial rep and she couldnt even pull up the receipt/statement that they mailed to me dated XX/XX/XXXX on today XX/XX/XXXX in order to throughly go over what my concern was. Consumers should have in their possession as well the same itemized payment information on this as anything else they pay their hard earned money on or for. Regional is not providing complete monthly payment documentation to consumers ensuring accuracies and no calculation errors on their part especially when consumer is trying to pay loan off earlier than the contractual term.Also there are hundreds and hundreds of billing issue complaints against them and actual billing errors on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to this company with the CFPB that they promised me a XXXX dollar gift card for applying for a credit card that i was not approved of, they did an investigation and said that i would be receiving a gift card within 60 days and up until this point i still have not received the XXXX dollar gift card. Uploaded the previous complaint.
Product: Checking or savings account

After numerous banking errors on ATM machines, fees, confidentiality and customer service issues. I decided to close both my checking and savings account.
Product: Payday loan, title loan, personal loan, or advance loan

I had two loans that was actively paid but during COVID I couldnt keep up with the payments. I was the only one in my household with an income. I wasnt able to continue and they was notified of that. The country was shut down but I was still penalized and now I have those negative remarks that arent properly aged. They are renewing these derogatory remarks yearly. I need to know why those wasnt forgiven when I wasnt the only individual who suffered from XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatm
ent of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the relate
d information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Bank account or service

This complaint concerns a distribution from my old XXXX from Wells Fargo as a rollover to my new XXXX. Last year, I closed my Wells Fargo XXXX account and asked for a check for the entire balance to be made out to my new XXXX financial institution XXXX my name. I received a check in the amount of what I was told was the entire balance made out correctly. Subsequently, I was sent XXXX more checks that included small additional distribution amounts. Some of these checks were not made out the correct way, as in the money was distributed in my name instead of the name of my new financial institution. Every time I get XXXX of these checks, I have to print out the roll-over forums and mail everything priority mail to my new institution. More worryingly, this company made additional distributions in my name instead of the financial institution with XXXX. Because of this, I now owe a tax liability on this money. I was never asked for nor gave consent to have the checks made out to me, and I was very clear in the multiple calls I made prior to receiving this money that I wanted all checks to be made out to my new financial institution. I called Wells Fargo, and they refused to do anything about how these checks were made out or to redistribute it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Acccount # XXXX, has violated my 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is {$3.00}. I have paid {$5500.00} on the {$9000.00} debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my Equifax and XXXX credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on Equifax. XXXX states I never made.
Product: Checking or savings account

XXXX XX/XX/2023 USAA took XXXX ( which was a provisional temporary credit ) from my Checking Account after the end of a dispute in favor of the merchant XXXX. 

I called in and had USAA re-open the dispute. 

On XXXX XXXX 2023, I received a letter from USAA stating that the dispute was in my favor and that I should keep the provisional credit as it is now permanent. 

On XXXX, XXXX and XXXX XX/XX/2023 I've called multiple times to find out when I will receive my money which was taken back in XXXX. 

Each employee I've spoken with has failed to give me a direct answer and act as if they are attempting to open another dispute or telling me to call back tomorrow. 

I am asking direct questions but getting " used car salesman answers '' in which they attempt to go back into what type of dispute or re-open the dispute. 

I want my money back that was taken and thats it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, incomplete, and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The disputed information is causing harm to my financial standing, and I am requesting its immediate removal. 

Upon reviewing my credit report, I identified multiple charge-offs, collections, and other negative remarks that appear to be inaccurate, unverifiable, or reported in violation of federal law. Specifically, I dispute the following accounts : XXXX Account # XXXX ( Charge-Off ) XXXX  Account # XXXX ( Charge-Off ) XXXX XXXX XXXX XXXXccount # XXXX ( Collection ) XXXX XXXX Account # XXXX ( Late Payment or Other Negative Item ) Reasons for Dispute : The disputed accounts contain inaccurate and unverifiable information that must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus and furnishers failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Some accounts may have been reinserted into my credit file without proper certification and notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The reporting agencies may have failed to maintain reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). 
Legal Violations and CFPB Complaint Consideration : If these violations are not corrected within the legally mandated timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I may pursue legal action to seek damages for violations of my rights under the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ). 

Requested Action : I demand that the following actions be taken immediately : Remove all inaccurate, unverifiable, and negative information related to the disputed accounts. 
Provide me with a corrected credit report reflecting these changes. 
Provide written confirmation that the disputed accounts have been deleted or modified. 
Include a detailed explanation if any items are not removed, along with the method and sources used to verify the information. 
Per the FCRA, you have 30 days to complete this reinvestigation. If these items can not be verified as accurate and complete, they must be deleted from my credit file immediately. 

Please respond to this dispute in writing at the address listed above. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681i B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of reinsertion of deleted item. This is a clear violation of fraudulent item. 
Account : XXXX XXXX # XXXX
Product: Debt collection

This company placed a collection on my credit report for a debt that is not mine nor did I have any knowledge about. I have NEVER received anything in writing or calls from XXXX XXXX. I have NEVER received anything in writing from Fair Collections and out however I have been receiving phone calls at all hours ( before XXXX XXXX and after XXXX XXXX at night ) from this company. FCO failed to identify as a debt collector when leaving voicemails on my telephone and uses strong arm tactics in order to try to collect a debt I don't owe. 

FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX REG : XXXX XXXX   Account : XXXX ; Dated : XX/XX/2018 ; Amount : {$7500.00} I was released from a lease with Invitation Homes back in XX/XX/2018 due to having a XXXX  XXXX Injunction against the main leaseholder. I gave notice in XXXX, XXXX and XXXX to XXXX XXXX and they kept my security deposit as well. I was told I was released from the lease, court eviction and obligations with the home since it endangered my daughter and I. 
I even sent a video to XXXX XXXX in XXXX when I moved my things out displaying the damage the primary leaseholder did to walls, doors that was not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD THIS CREDIT CARD WITH GENESIS FS CARD SERVICES SINCE 2009 BUT IT IS NOT BEING REPORTED TO THE CREDIT BUREAUS.I CALLED THEM ABOUT A MONTH AGO AND TOLD THEM THEY SAID THAT THEY ARE REPORTING IT.I CALLED XXXX XXXX AND THEY SAID THEY HAD NO RECORDS AND TOLD ME TO CALL THE COMPANY A FEW DAYS AGO AND THEY SAID THE SAME THING AS BEFORE.SO I DISPUTED THEM.THIS HAS CAUSED ME TO KEEP MY SCORE LOWER THAN IT IS SUPPOSE TO BE FOR YEARS AND CAUSE ME HARDSHIP.PLEASE LOOK INTO IT TO SEE IF YOU CAN HELP. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX XXXX ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I have been a member at USAA Bank for better than 20 years and countless times my debit card has been hacked. They cancel my card and then send me a new which results in me having to update my auto pay to other companies. I have other credit cards and a debit cards from another banks and have never had them hacked. I and many other people believe they dont have the proper security systems in place to protect their customers information and when you complain about it they have no explanation. Its obvious they dont care about their customers.
Product: Credit reporting or other personal consumer reports

Ive recently become a victim of identity theft, and my personal information has been used without my knowledge or consent. As a result, I am now seeing several accounts and inquiries on my credit report that I have never opened or been associated with. To address this, I followed the proper steps, including filing a report with the FTC and submitting it to TransUnion. Despite this, the fraudulent items are still showing on my report.
Product: Credit reporting or other personal consumer reports

I have never lived at the address on file, I have only lived at the current address XXXX XXXX XXXX XXXX XXXX XXXX since I was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, XXXX  XXXX, Equifax XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
Product: Credit reporting or other personal consumer reports

I noticed my credit score went down significantly at the end of XXXX and beginning XXXX. I called XXXX in XX/XX/XXXX, was informed they could see in the system my payments in XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I asked if they received my payment why their system reported to the credit. Bureau 3 x 30 late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX. They said they would send update to credit bureaus to clear but would take 30-60 days. I called back in XXXX and went through the same thing again. I am so frustrated 8 months later still my credit shows 3x30 days late when XXXX XXXX on 2 occasions have confirmed I was not late. 

I also contacted each credit bureau online multiple times and still not removed from the credit bureaus. 

How do I fix this? As a consumer I feel totally unable to resolve this issue.
Product: Credit reporting or other personal consumer reports

There are XXXX fraudulent loans from XXXX XXXX on credit file and TransUnion fails to block or delete such accounts. Now, I've filed Federal Trade Commission Identity Theft Report and police report and TransUnion still failed to acknowledge the problem. TransUnion failure has cost me and family financial losses. There should be better supervision among TransUnion structure to examine such catastrophic failures to helping identity theft victims, such as XXXX I've been beyond patience with all of the inability of TransUnion to simply respect my rights and inability to follow laws governing credit reporting. I have the right to request a block on the XXXX XXXX XXXX accounts, as they are deemed fraudulent accounts
Product: Credit card or prepaid card

I received three letters from USBank that they received an application for a credit card on XX/XX/2022. Reference # XXXX. I contacted USBank and spoke with XXXX and advised him that I did not request this credit card. He noted the file and said the frauders have my name, address, and social security number.
Product: Vehicle loan or lease

On XXXX I went to XXXX XXXX located in XXXX TX to purchase a vehicle. I purchased the 2017 XXXX XXXX vehicle and it was financed through Wells Fargo in the amount of {$20000.00} at 5.09 % interest rate. After I purchased the vehicle a few weeks later I contacted Wells Fargo to go over the invoice that the dealership had submitted to them sine I didn't get a welcome call from Wells Fargo. I was informed by the agent that the dealership added a Luggage Rack, Tow Package and Fixed Running Boards to the amount of my loan. I informed the agent that I did not have these options on my vehicle. He stated that if I didn't have these options than the amount that was financed is incorrect, it should have been less. I was instructed to contact Wells Fargo ECR dept which I did. The agent went over the invoice again and I again told the agent that I did not have these options. The agent stated a case would be opened and not to contact the dealership as they would do so. And if I had pictures of my vehicle to email them to XXXX which I did send the pictures. Around XX/XX/XXXX I called Wells Fargo to make sure the pictures were received. I was told no however, I needed to speak with my assigned rep by the name of XXXX. I spoke to XXXX and she confirmed that they did not receive my pictures and to email them to her personal email address which again I sent the pictures of the vehicle. I received a letter dated XX/XX/XXXX stating that my concerns were being researched and that I should receive an answer on or before XX/XX/XXXX as my first payment to Wells Fargo was due on the XX/XX/XXXX. 

I have paid my monthly payment however, I have not heard back from Wells Fargo. I have emailed them and left messages. I am paying for items that I do not have on my vehicle and Wells Fargo is benefiting from the deception of the dealership. I've asked that the loan in the amount of {$20000.00} be re-calculated at the correct amount for the correct features of my vehicle however, nothing has been done. My monthly payment would be less had the dealer not committed this fraudulent act. I also believe that the dealership inflated the price of the vehicle by added work for tinted windows. I was told by the salesperson that the tinted windows were something that the dealership added to the vehicle, and that this was an option that couldn't be removed. I later checked and found out that tinted windows aka privacy windows is a standard feature for the trim level of my vehicle. I am sure that I'm not the first customer that this has happened too. I am told that this happens all the time ; that dealers inflate the cost of the deal then push it to the financial institutions who are aware that this goes on and they only do something when the vehicle is repo 'd and they are attempting to sell the vehicle. They then go after the dealership for the money that was charged for the non existing equipment. I do not feel that this is a fair practice and it is very deceptive to the consumers.
Product: Mortgage

My loan was transferred from XXXXXXXX XXXX ( Loan # XXXX ) to PHH Mortgage ( Loan # XXXX ) effective XX/XX/21. XXXX had received three payments that were forwarded via overnight carrier to PHH and received on XX/XX/21. It is now 10 days and PHH claims they have not received and can not give me any information.