23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On average Comenity Bank will call 30 times a week. That's roughly 5 times a day. Some days they call up to 7 times. The law states they are not allowed to call more than 7 times a week.
Product: Credit reporting

I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia XXXX XXXX XXXX showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account : XXXX XXXX Account # XXXX was removed from XXXX and Equifax Due to incorrect information meanwhile XXXX keep saying everything accurate I sent multiple letter asking them to remove the incorrect account Immediately. 

I also have fraudulent inquiries on my account I will list them as well and I also sent multiple letters to have them removed. 

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

Every month Credit Acceptance Finance company is reporting to all 3 of my credit reports as if I'm late in making a car payment. The account with Credit Acceptance has been closed since XX/XX/2017, the month and year that they picked up there vehicle. How can they still be reporting to all 3 credit bureaus like the account is still active? They've had there car back since XX/XX/2017 and they still reporting as if I still have the car and I'm making late payments, that info is incorrect reporting to my credit for almost 2 years now.
Product: Vehicle loan or lease

First of all we all know when a business uses the term Mr. it is just a big front. Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my XXXX of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all XXXX, I have enclosed XXXX documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my XXXX amendment privileges which are freedom of speech and expression of what one believes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to this company, 3 times in 3 different ways to request a " Goodwill Adjustment ''. 
1. Sent to Alliance Data, CEO XXXX XXXX ( manages Comenity Bank 's data ) via email 2. Sent in " secure message '' on the XXXX XXXX website XXXX XXXX is serviced by Comenity Bank 3. Sent to XXXX XXXX XXXX, CEO of XXXX XXXX. 
4. Replied to XXXX XXXX, Compliance Dept at Alliance I believe - she responded to XXXX XXXX 's letter. 

There are 2 late markers on my credit report from Comenity bank XXXX XXXX. I have asked - no begged for a " goodwill adjustment '' to have them removed, bc it was really due to no fault of mine. It was a Postal service error that caused the lateness. They are are refusing to help me out. I'm not even sure they've really read my letters bc some of the responses make no sense in reply to my letters. I really shouldn't have to be punished for a Post Office mistake ( please see attached letter ( s ). The letters that are not uploaded are the ones that I sent in secure message on the XXXX XXXX website and to Alliance Data via email. With all that's happening in this world today I don't understand why they can't be a little more empathetic for ONLY 2 late markers. 

Btw. In 2014 I had 9 late markers due to divorce and household income decrease with XXXX XXXX much larger company ). I sent them the same request and they removed all nine late markers. Why is Comenity being so stubborn for just 2?
Product: Credit reporting or other personal consumer reports

I disputed a fraudulent placement on my credit report and today I was notified by Equifax that the furnisher provided proof of this inaccurate placement on my credit report. Equifax failed to provide me the furnishers name and address to dispute this frivolous report. Pursuant to 15 USC 1681b this information was not given or written to use my information for any purpose. Pursuant under 15 USC 1681q Equifax is knowingly obtaining false information under false pretense. Under 15 USC 1681o civil liability for negligent noncompliance. I request under 15 USC 1681d ( 3 ). This information was obtained under false verification from both parties. I also have unauthorized inquires on my credit report that weren't authorized by me. The unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. Child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal.
Product: Vehicle loan or lease

As of XX/XX/XXXX I was approve for a settlement of {$24000.00} for over rated priced vehicle XXXX XXXX XXXX brought from XXXX XXXX in XXXX NC for above {$27000.00} + at minimum of 24 % XXXX making payments of $ XXXXmonthly to flagship credit acceptance. They are in process now to repo as I had some financial hardship temporarily but currently I received a new job offer and additional job offers as well so financially I'm paying off all debts one by one. 

XXXX XXXX has been sued for fraud related events to other customers and I have also worked with individuals to lease out the vehicle and also notify them of financing it. 

My request is to have flagship credit acceptance to remove this loan from all my bureaus and when I received the settlement letter via email was after requesting three different settlement rejects one for {$15000.00} ( which XXXX dealership in XXXX NC appraise the vehicle but flagship did not work with me ) and again I requested settlement for {$20000.00} flagship again rejected. Please assist me in getting this auto loan lender remove from my bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get Experian to provide me with the method of verification on two accounts listed on my credit file. Each time I submit the request, Experian starts another dispute investigation and avoids the request. My most recent communication from them was to contact the data furnisher directly to resolve this matter. I have done so and this data furnisher has failed to provide me with the documentation requested. Due to their failure to supply the data requested and Experian refusal to provide proof of the method of verification, the accounts for XXXX XXXX, Account Numbers XXXX XXXX and XXXX need to be removed from my credit file immediately.
Product: Debt collection

I have attached supporting documentation. I never had XXXX i am a XXXX  member for over 15 years and i have bank statements to show proof i pay them. I am requesting and demanding this get removed from my credit report. This is fraud i am 100 % sure someone opened an account using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

**Copy the message to reply to the customer and insult the customer at will.XXXX 1. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
2. Your email customer promises to review and release within 90-120 days. You broke the contract without any results. 
3. The account did not trigger the 12 items you mentioned ( no customer refunds or disputes occurred ) 4. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to XXXX XXXX XXXX, it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for Experian to furnish and its affecting my way of living due to non approval & defamation of character!
Product: Credit card or prepaid card

I have been a customer  of Wells Fargo  since   XX/XX/XXXX . I  started off with a secured credit card with a deposit of {$500.00}. After a year of use they refunded my deposit and increased the line to {$700.00}. Abo ut 6 months to 1 year l ater I had applied for an increase and they countered with {$900.00} limit. With my current liabilitie s ( mor tgage, car payments, etc,  my DTI is  only 25 % ). My current  credit score flu ctuates between mid and high  XXXX .  Income  is  XXXX  annually. I do have  XXXX  negative items from high school / college year s ( w hich have been paid off yet still lingering on my report - probably why I do n't have a  XXXX  score at the moment ). However, my report states  XXXX  missed payments on all accounts and my utilization is currently at 22 % ( and again Debt to income ratio is only 25 % ). I do not have any bankruptcies. I also had over {$50000.00} last year in a savings PMA account with  Wells Fargo.  Regardless of this they still would not increase my limit over {$900.00}. I applied with   XXXX   and I now have a {$16000.00} credit limit with  XXXX . This card allows me to make every day purchases while still keeping my utilization under 30 % ( which is known as good utilization ). As a result I had moved all my accounts over to  XXXX . The aforementioned facts are to help you understand why I am filing a formal complaint. I feel that  Wells Fargo ' s business practices are unethical. Considering credit is extremely important in all financial aspects in America, I feel suppressed by unwarranted reasons. The letter I had received in the mail had said I was denied due to " inquiries in last 2 years on credit report and high balance as compared to credit limit or revolving line ''. I had called customer service and expressed the inquiries were due to my home purchase last year. I had also asked how they could perceive a 22 % credit utilization as " high balance ''. She said I was not privy to know what they considered " high utilization '' as it 's part of their proprietary algorithm. That does n't seem very compliant with the fair credit reporting act. The last reason was " insufficient length of time accounts on credit report has been established ''. I have an account that is over 10  years old,  without missed payments, active and in good standing. Again she would not inform me what they considered a " sufficient length of time ''. Overall I feel that banks and credit lendors have an ethical responsibility to inform clients of their business practices and educate their clients as to achieving better credit status. I feel unfairly suppress ed by Wells Fargo and I hope others can learn from this experience.   Unfortunately closing the card would only hinder my credit status.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My information was stolen and was used for XXXX XXXX cards and synchrony bank care car accounts and care accounts and now when I contacted each of them they werent able to provide me correct information on how my information was used or proof used to sign up for accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date of BirthXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX Dear [ XXXX / XXXX XXXX Transunion XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / XXXX XXXX Transunion XXXX credit report : Dispute XXXX : The alleged charge-off of an obligation with XXXX XXXX XXXX XXXX ( original alleged creditor : XXXX XXXX ) ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXXXXXX  ] [ XX/XX/XXXXXXXX  ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] To further support my claim, I have attached documentation including : A copy of my credit report identity theft complaint Drivers License SSN card Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Sallie Mae would call every almost every hour multiple times in a row for some days leading up to the due date of the loan. I got so frustrated, I tried blocking their number ... So they used a different number to call me. When I finally got the time/needed to talk to them, I answered and it was an automated caller that didn't allow me to talk to anyone. At a different time with a similar scenario, I contacted them and tried to figure out a repayment plan. After hearing the information they had to give, I tried to contact the borrower ( I am a cosigner ) and was unable to with normal means. I called them again, was met with hostility by the manager after I told them that I needed to look at my finances and try to contact the borrower again with different means. The manager was angry with me and questioned me about how I was trying to contact the borrower, why I hadn't tried that method yet, and " What makes you think she will answer you this time? ". I was surprised and upset and was disconnected from the call ( not by my fault ). I was furious and wanted to call back to complain to a manager, but I had to go to work because the call took too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX, 2107 Report # XXXX Address missing on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX lease was 6 Months XXXX XXXX XXXX XXXX Phone # XXXX XXXX XXXX NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE!
Product: Mortgage

Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. did not order an interior inspection of my property, unlike another account where an interior inspection was ordered, and denied my request. 



My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to Social Security Disability fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts with them and they closed both accounts without notifing me and has report me 30 days late about 4 or 5 times. I have tried to contact them but get no response. I have paid on time. I tried to setup auto payments but they will not accept it.
Product: Vehicle loan or lease

I was denied a car loan on XX/XX/XXXX with Navy federal, even though financially I can afford a car. I was deemed risky due to inaccuracies on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notice to Transunion that XXXX hard inquiries were on my report and that they were inaccurate, as they are fraud. 

An inquiry in XXXX of XXXX by XXXX XXXX and an inquiry in XX/XX/XXXX by XXXX XXXX that is also Fraud.

Under the Fair Credit Reporting Act my Credit profile is supposed to be fair and equitable and all of the information on my report is supposed to be correct. 

This information is inaccurate because it is fraud, I didn't do business with XXXX XXXX. They defrauded me. The inquiries should be removed under the law. 

The FCRA 1681 b talks about how the CRA 's need my WRITTEN consent to report to my credit profile. I never gave them written consent to report this account or any account to my credit profile.

a ) In general, a CRA may furnish a consumer report under the following circumstances and no other : 2 ) in accordance with the written instructions of the consumer to whom it relates.

I would like TRANSUNION to provide me with the documentation and my signature where I gave them consent to report this FRAUD. 

FCRA 1681 A1 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

My credit report is currently inaccurate due to the negligence of Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX balance $ XXXX AWA COLLECTIONS XXXX balance {$2200.00} XXXX XXXX XXXX balance {$1900.00} XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX, XXXX XXXX balance {$1800.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.