23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into Bankruptcy, Ref # XXXX, your investigation, as outlined in your correspondence failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

XXXX. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

XXXX. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit card or prepaid card

Spoke to multiple customer service agents repeatedly requesting statements mails that I have not received. Also called last month to get a payment amount to take care of 2 smaller charges with the added interests for not paying those two amounts bt promotional date. Was told to make a payment of {$1200.00}. I made that payment. It was not applied correctly. I called today to fix this and find out options for being laid off due to COVID-19. I was told only could defer payment for XX/XX/XXXX. There is not to be interest charged on my balance directly to promotion charge. I was told by the associate that interest would not be deferred. There is not supposed to be interest. I requested a manager. The manager told me they can not fix the payment made and refused to remove the interest that was being charged incorrectly. I hane another synchrony account that was extremely helpful. Care credit was farthest from.
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 XXXX has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I keep getting calls and voicemails from a company called XXXX  XXXX XXXX. The voicemails are the same male voice but with revolving different names. After doing some research this is an attempt to collect a debt from Conn 's ( furniture and appliance store ). I last paid an amount on that debt in XX/XX/XXXX XXXX over 7 years ago ) and furthermore the debt was discharged in bankruptcy in XX/XX/XXXX XXXX over 3 years ago ). They keep calling and leaving voicemails. They seem to have an infinite amount of internet based voice-over-ip phone numbers. I block them all the time but they always have a new number from a new state for which they can call me. These people need to be stopped. Their needs to be some consumer protection regulation against organizations like this. I get called by these people EVERY SINGLE DAY ( and sometimes even on Sunday nights ). It is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX CR UNION {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported balance Credit limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX  & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015
Product: Mortgage

I have been delinquent on my mortgage payments due to loss of income since XXXX of XXXX. Subsequently, I had been threatened with foreclosure, and was informed via Selene Finance 's attorney via Certified Mail that my home was set to be foreclosed and sold at Auction on XX/XX/XXXX. 

I contacted Selene Finance via phone on XX/XX/XXXX and requested a Reinstatement Quote to salvage my mortgage and halt the foreclosure. 

On XX/XX/XXXX I received the reinstatement quote via email in the amount of {$27000.00}. 

I paid the amount in-full via Cashiers Check ( which the Reinstatement Quote stated was acceptable ) in-person at a XXXX XXXX branch on XX/XX/XXXX. 

I was given a copy of the cashier 's check, a receipt for the transaction, and verified via phone that the check had been cashed by Selene Finance LP Payment Processing. 

To-date, I've received no verification nor response from Selene Finance XXXX 

I called Selene Finance on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Each time, I was advised to wait, and that the payment had not posted to the " XXXX XXXX. '' I emailed Selene Finance 's customers service department on : XX/XX/XXXX XXXX My emails are tracked, and Selene Finance has not opened my emails, which contain copies of the cashier 's check and transaction receipt. 

The reinstatement quote expires on XX/XX/XXXX, and I'm fearful that the companies inattentiveness to this matter will lead to my home being sold at auction despite the fact that I have paid my delinquent loan balance in-full.
Product: Checking or savings account

On XX/XX/XXXX, I opened a savings account with Popular Direct Bank. On XX/XX/XXXX the {$500000.00} funds were taken from my XXXX checking account. On XX/XX/XXXX, we were able to log in to our online account and view a statement showing the amount had been deposited into the savings account, and as of XX/XX/XXXX, we had accumulated approximately {$67.00} in interest. 

Also on XX/XX/XXXX, we were able to open a {$100000.00} CD. That money was taken from our XXXX checking account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a letter in the mail dated XX/XX/XXXX stating that our savings account had been closed pursuant to the terms and conditions of the XXXX, and that the account balance is currently {$0.00}. 

I am locked out of our online account, and can not find out where my money is. I have been trying to get some answers from Popular Direct, and have been told nothing, except that " due to security reasons, they can not tell me why they closed my accounts. 

Today is XX/XX/XXXX, and I spoke to someone at Popular Direct. He told me that my CD has also been closed, and that my money will be transferred back into my XXXX account XX/XX/XXXX. He also informed me that I will not be earning any interest on my {$600000.00} in total during the time that they have it because my accounts have been closed. 

So, Popular Direct closed my accounts for no reason with no explanation, holds my {$600000.00} for 2 weeks, and I get no interest? Nothing? Is this even legal? In what world does it take 14 days to wire or ACH money from one bank to another? I want compensation for Popular Direct borrowing my money for their own gain. 

Background : We had a {$950000.00} 6 month CD at Popular Direct XXXX XXXX XXXX XXXX. We cashed it in, received our principal and interest, and used some of that money to open this savings and CD account. We thought they were a reputable bank.
Product: Vehicle loan or lease

I purchased financed a SUV, secured a loan thru TOYOTA FINANCIAL SERVICES, car payment was {$1200.00} per month. The loan was for XXXX. throughout the XXXX years at times due to illness I had to call in to TOYOTA FIANANCIAL SERVICES to ask/ inquire to see what assistance was available due to my hardship, less hours worked due to XXXX = less pay. I was advised verbally via phone that the payments deferred/ extension would be added to the end of the loan when asked what that meant, I was advised my maturity date would be extended, by the # of months deferred/ extension., so if it was extended XXXX months, it would be XXXX months longer than my original maturity date. I was ok, with that because my credit means a lot to me & I needed my car to continue to go to work.I had many health issues throughout the XXXX  years due to my illness, so I had a total of XXXX extension which meant i would have to pay {$1200.00} for an additional XXXX months after my original maturity date, I did just that, paid each month on time full amount for now XXXX years. Now, I am at the end of the extended period & TOYOTA FINANCIAL advises AFTER I inquire as to why I have not received my title, that I OWE XXXX approx. in interest charge for the extensions I was provided due to hardship & during COVID due to unable to work due to XXXX. I was FLABERGASTED, I was NEVER advised of such charges when requested & provided hardship extensions NEVER. I did not have a extension the last XXXX years of the loan at all & no one ever advised oe sent ANYTHING in writing to me regarding said INTEREST CHARGES. I was NEVER advised of this. I called TOYOTA FINANCIAL explained numerous times & to them I was never informed of said charges, TOYOTA FINANCIAL has since HARASSED me for this XXXX interest charges after I have paid off the card in full, TOYOTA has added XXXX late payments on my credit report for the last XXXX payments that they say is interest I wasn't late, they have RUDE & aggressive collections calls daily, also have THREATENED to REPOSESS my car for interest charges for the extensions. I have asked that TOYOTA FINANCIAL provide me with the proof that I was advised & agreed to this & TOYOTA FINANCIAL advised me that they DID NOT verbally provide this information to customers over the phone back then & a email was sent after to a email address, I never received ANY email regarding said notices & they have not been able to prove/ verify this information ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from Westlake Financial for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and Westlake has been less than helpful as well as the 3 bureaus. 

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency XXXX, XXXX   and Equifax have not verified my dispute and refused to remove the Bnackruptcy from my report.
Product: Checking or savings account

Hello My name is XXXX XXXX and I had applied for a XXXX XXXX  Checking Package back in XX/XX/2022 with U.S. Bank. The terms of the offer were that I to receive a {$400.00} bonus once I completed qualifying activities. My application was successfully processed and approved, and I completed all qualifying activities. I had even reached out directly to US bank and received a confirmation from a U.S. Bank employee/representative that I had fulfilled my requirements and would receive my bonus shortly. 

Months later after not receiving my bonus I reached out again. The rep then informed me that they claimed that the code that I used during my application had expired and did not work - " XXXX ''. I'm not even sure if that was the code that I used as it was auto generated through a promotional link that US bank provided me, but this was the first time I had heard of this error or difficulty, being almost half a year from my initial application, leading to great frustration. 

By withholding this information from me, U.S. bank is being intentionally misleading with their advertisements and offer terms in their promotions. Their reps had not informed me of this until after more than 6 months since my application and I completed their promotional terms. After much back and forth, I got another U.S. bank rep to call me and ask if I had any other valid promo codes. I provided her with " XXXX '' which would have been valid during the time and I have since not heard back from U.S. Bank. 

It has been almost 9 months since my application and I am extremely frustrated from what I interpret to be intentionally deceptive and misleading practices from U.S. Bank.
Product: Debt collection

I have learned that Target is reporting to all three Credit Bureaus that I have been late for payments XXXX, XXXX, and XX/XX/XXXX. I contend that these reports are inaccurate, false and misleading. Therefore, I am submitting this complaint pursuant to FDCPA Section 807 ( 8 ). 

XX/XX/XXXX, I closed the Target account and initiated a " Temporary Special Payment Plan '' which did not include " late fees ''. See the Letter of Details from Target dated XX/XX/XXXX. I closed the Target account due to accumulation of financial hardships and continued late fees added even when I made payments. Target continue to report to all three credit bureaus that I have been late on payment for XXXX, XXXX, and XX/XX/XXXX! See the payments made attached. I state not only did I pay for said months, but I have not been late with the payment agreement for the last 12 months! 
Target reports are incorrect, false and misleading representation 15 USC 1692e, and in violation of Fair Credit Billing Act. In addition, Target reports are in wanton disregard of their own written " Temporary Special Payment Plan '' agreed upon with me as a customer/client. As a result of these false and misleading representation to all three Credit Bureaus, it impacts my credit life and prevents me from obtaining loans or credit lines that are in the best interest of my welfare and livelihood. 
I state that Target has a legal responsbility of furnishing information to consumer reporting agencies with : '' completeness '' or accuracy of any information furnished by Target. pursuant to U.S.C. sec. 1681s-2 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX the various account have 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 with out my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is written as a charge off but I have not received 1099 cancellation of debt form. I did reached out to the creditor requesting 1099 cancellation of debt form. the company have not responded. this account is inaccurate and according to the FCRA all inaccurate and unverified items must be deleted.
Product: Credit card or prepaid card

Someone has used my personal information to open a Discover credit card in XXXX. I became aware from an email that i received recently from Discover telling me i am getting a XXXX XXXX card. I new i had not applied for that card. Then i found out from Discover a credit card was opened too. It pays to check your credit report here and there. You learn the hard way. To their credit they closed these accounts immediately. I have filed fraud and security alerts with all the credit bureaus.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXXXXXX Balance : {$4500.00}.
Product: Debt collection

They call my phone every single day, sometime 2 and 3 times. I have answered in the past and told them they have the wrong number. They are asking for XXXX and I have not idea or not contact with anyone named XXXX. I had to get a Robo Killer just to man their phone calls. My next step is going to be an attorney. These people XXXX are ridiculous and this is definitely harassment! 

Dates : XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 
XX/XX/2020 XXXX XXXX. 

I can list everyday of the month, but I think you get my point. I Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, is classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. AFFIRM INC per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. AFFIRM INC is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. AFFIRM INC is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. See Exhibit B for the accounts I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX a police report was filed due to identity theft and was sent to all 3 credit bureaus. 

XXXX Transunion removed inquiries and placed them back due to a glitch in their system I had to file a complaint with the CFBP Fast forward to XXXX after notifying Transunion of this fraud many years ago they continue to let it happen. I have asked them to remove inquiries that I have not applied and was basically told because they are over a year old have no baring on my credit report. I do not care how old they are they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing ( XX/XX/XXXX ) and Equifax is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report 1 date of last activity because its coming from 1 Creditor.