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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX have all violated my rights as a consumer.

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 an account without my written consent
Product: Vehicle loan or lease

I have a twin sister and the problem I'm having is, her Capital one auto loan and current address is showing up on my credit report. The auto loan is under my name, but her social security number. I had try to dispute this matter many of times. I wasn't successful at all resolving this issues. I'm don't know what to do at this time, can you help me.
Product: Debt collection

A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX  XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). The inquiry in question is from XXXX XXXX. 

Despite my previous communication with TransUnion regarding this matter, the inquiry has not been properly investigated, and I am requesting its removal from my credit report. 
The FCRA grants me certain rights as a consumer, which I want to remind you of : 1. Right to Accurate Information : The FCRA entitles me to have accurate and up-to-date information reported on my credit file. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation when I dispute any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and impartial treatment when it comes to my credit information. 
I firmly believe that TransUnion has not fulfilled its obligation to investigate the inquiry from XXXX  XXXX properly, which has led to incorrect information being present on my credit report. I request that you promptly remove this inquiry to rectify the violation of my FCRA rights. 
Please provide written confirmation once the inquiry is removed from my credit report, as well as any documentation supporting this action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal information : Former : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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 card or prepaid card

Capital one has charge back away more charges then what was authorized I have file disputes as including of our police reports of identity theft yet they continue to take the merchant 's word over mine and of charge back over 600 dollars of charges on my credit cards but they can't validate them. I show 2 in screenshots I has some information I show screen shots and they still reversed the the adjustments after I report fraud so they're not backing behind their fraud prevention. They have charged me XXXX for a website I can't access for jobs when I have a job. They can't show signature for delivery of something I allegedly authorized XXXX for. Tracking that says it was delivered and it wasn't. A plane ticket when they see I'm in XXXX XXXX.
Product: Vehicle loan or lease

I financed a car through Wells Fargo Auto loan from XXXX XXXX XXXX XXXX XXXX NC on XX/XX/XXXX. In which I was misled and told my monthly loan bill would be cheaper if I purchased 2 service/product add ons. An additional 2 were added without my knowledge. 

Due to unemployment, I was set up with a deferral program. While I was on program, I decided to cancel extra products I had purchased with vehicle. That turned into a mess/nightmare, I was refunded only {$940.00} of service plan. To me this sounded off. I only had from XXXX to XXXX left to pay on plan, had never used plan. 

So while working 3rd shift as an XXXX XXXX XXXX, I tried to follow up with both Wells Fargo and auto dealer.. From XX/XX/XXXX to XX/XX/XXXX, XXXX I had zero access to my accounts nor received statements. 

On XX/XX/XXXX, I was told by XXXX XXXX that they had no record of my car purchase and could I look for my documents to send. 

On XX/XX/XXXX and XXXX XX/XX/XXXX, I spoke to a Wells Fargo representative explaining I had just paid my rent through XXXX XXXX  which uses Wells Fargo to pay my rent that was behind due to unemployment. I was told don't worry, we can set you up on a deferment plan for next 3 months. This was both in XXXX and XXXX. My XXXX call though I had found out I wasn't set up on a plan. I stayed on the phone for 3 hours, got no sleep before I headed to my XXXX XXXX XXXX XXXX 

Fast forward to XX/XX/XXXX, I found out I was never set up in a program, my car was about to be repossed. I once again, pulled over to side of road, spoke to someone who said they would look into this again, I immediately paid {$600.00}. 

I have received calls every day almost since then with misinformation about my account. I have had no access to my any important documents like my tax records- this is an suv cross that I use for landscaping business as well. 

I was told that my car can be repossessed at anytime due to my unemployment status, even if it's under a 120 days and that my account is restricted so therefore I can't look online and see what my balance is. I was informed signed up for online access- this was without my knowledge as I couldn't access my account. 

I looked over my loan documents and found out I was charge for 2 extra programs/services- 1 in which I actually paid in full /used my debit card and it was still added to loan as an add on financed for 13.3 % ..
Product: Credit reporting or other personal consumer reports

So late summer 2023 I was looking at options for my student loans due to all the new programs coming out. I was informed that due to the classification of my loans with XXXX that, they would need to be consolidated and I was told this by a 3rd party. I was surprised that XXXX did not reach out as a servicer letting their customers know of this issue with older student loans. I then started the consolidation process via https : //studentaid.gov and I was given the impression that the loans would go into deferment status during the process. However, the loans did not go into deferment and upon seeing the loans were reported to the credit reporting agency I contacted nelnet and applied for a deferment manually. The Loans are now consolidated and with another loan servicer, but my credit report is still showing XXXX accounts with XXXX that they reported XXXX  days past due. I have reached out by challenging the report and called them directly regarding this and they are dragging their feet and this is still adversely effecting me and need it resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 U.S. Code 1666b.Timing of payments U.S. Code Notes ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

In XXXX of XXXX i tried to settle a debt with portfolio recovery for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of XXXX. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.
Product: Debt collection

I went through a lawyer 's office in XXXX, Indiana for a debt from XXXX that is being handled by XXXX XXXX but, with a law firm Levi and Associates. I made a couple of settlements, I tried to reach the company by phone and got no answer. I was making payments in fact, this year I have given their law firm a total of {$2400.00} this year close to that amount last year. When I got a balance from my law firm the balance was over {$6300.00} ; However, the balance was {$4800.00} ; with the money that I am paying, I believe I am almost finished paying the debt off. The law firm hasn't accounted for the monies that I have already payed and my attorney has withdrawn from the case and now I have to find a new attorney or represent myself. When I read the reviews on Levi and Associates, there were other defendants who had the same problem with this law firm acting as a debt collector.. I believe their tactics go against the FDCPA. What they want to do is garnish my wages.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found two late payments on the following date : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : 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: Mortgage

I have made several complaints with your company, Consumer Financial Protection Bureau. I am not satisfied with the way things have been handled. Complaint # : XXXX and XXXX. 

Chase Mortgage has stated that they have gone back and research their records. How can the target, Chase, check their own records. They should not research the records. We need a higher authority to audit Chase Mortgage. An uninterested party should be able to come in an audit Chase Mortgage. 

Chase Mortgage illegally foreclosed on my property while the loan was under consideration for a loan modification.
Product: Credit reporting or other personal consumer reports

Mr. Cooper, DBA Nationstar Mortgage, DBA Rushmore Servicing, has failed and neglected to report my payments for several months.
Product: Credit card

Hello, I signed up for a promotion to get points after spending a certain amount on the credit card. After meeting the requirements, I was awarded the points. This XXXX I cancelled the card, and was never notified that the points would expire after the card is closed, since I have additional cards with the bank. Based on what I 've been told before, as long as I have accounts with the bank, the points will not expire. This is stated in the disclaimer as well. After speaking to a rep over the phone, they advised that I shouldve been notified when i filled out the request the close the account. However, I never needed to fill out a form to close the account. I just sent one simple message, and the team closed my account out. This is very deceptive and the rep acknowledged that I shouldve received notification as well prior to the account getting close and that I shouldve received properly disclaimers on the effects of an account closure. Citibank is inconsistent in the way they handle accounts and the consumer if negatively affected as a result.
Product: Checking or savings account

An unauthorized transaction was on my checking account on XX/XX/XXXX via XXXX in the amount of {$2000.00} to XXXX. I called both my bank ( Chase ) and XXXX to dispute, with both entities stating they had enough information to investigate. 

On XX/XX/XXXX, I received details from Chase that the dispute was denied and I would be liable for the full amount from the information that they received from XXXX and that I would have to contact XXXX ( even though I already did ) and resolve through them. 

I contacted XXXX and they advised I would need to contact Chase in order to resolve. 

Chase did provide tracking information for the " purchase ''. I contacted XXXX who verbally acknowledged the delivery was to XXXX XXXX XXXX, XXXX XXXX ( which is not my address ). And the package was signed for by " XXXX ''. There is a signature on file, but I was told by Chase that they did not have to verify that the signature matched due to Covid19. 

Chase advised they can send me the documents they received from XXXX that was used to decline the claim but would take up to 10 business days, in the meantime, they would subtract the {$2000.00} from my account in 7 days unless I had proof to re-open the claim. But how can I review the documents and submit a claim if I may not get them until after they pull funds from my account? 

I have filed a police report and credit disputes with the three major credit agencies to assist in resolving this issue.
Product: Checking or savings account

Im filing a complaint against Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Last week of XXXX when my husband called 5/3 Bank disputing an unauthorized charge made by XXXXXXXX XXXX. This bank said that they will block our debit card and will send us a new debit card and we will receive it in 7 to 10 business days. 2 weeks has passed, we never received any debit cards. My husband followed it up on XXXX XXXX, and XXXX XXXX with same statements, well expedite the card within 5 business days and mail it to you but we never received it. We were charged for {$30.00} for the cards which do should have not done. 

My husband and I went to meet the Bank rep XXXX, on XXXX. XXXX and said the same thing. He mentioned we will received it in 5-7 business days but never received our debit cards. XX/XX/XXXX, my husband and I went to this branch again and spoke with the bank manager XXXX XXXX, Branch Manager and said the same. Nobody gave us a call as they promise to us.
Product: Debt collection

I just called MIDWEST RECOVERY SYSTEMS located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX after I noticed this on my credit report. I called and they said they did not have the original creditor paperwork and that do not have to supply the loan paperwork until after ninety days. The debt they claim was incurred in XXXX XXXX. However, MIDWEST RECOVERY SYSTEMS said the debt was incurred in XXXX XXXX. After researching the original creditor XXXX XXXX XXXX is a scam and it seems MIDWEST RECOVERY SYSTEMS is part of
Product: Debt collection

XXXX ( XXXX ) XXXX ( Caller ID says ALLIED INTERSTA ) they call me repeatedly twice a day every single day, but never leave a voicemail telling me why they are calling me! I never answer calls from anyone I dont know! Twice a day every day, thats 14 calls a week! And according to online sources, theyre only allowed 7 calls in a 7 day timeframe!
Product: Credit reporting or other personal consumer reports

There are many details and instance to list. One example is how in late 2024, using Merrill Lynch Web Bill pay, I wrote checks to pay my Merrill Lynch mortgage. Merrill Lynch mortgage company claims that there were insufficient funds to cover the checks. Merrill Lynch 's online website for investments & banking listed more than enough funds available for withdrawal and, looking at statements, there seemed to be plenty of cash in the account. XXXX should have email records containing the subject line " Banking complaint ''. This is just one of many systemic errors I've experienced. My credit rating was impacted. My available credit was reduced by XXXX XXXX, causing auto billing to go unpaid. My credit line was decreased from {$5000.00} to {$500.00}. This resulted in me not being able to take advantage of a 0 % loan offer that would have saved me interest expense.
Product: Credit reporting or other personal consumer reports

Equifax is being totally unreasonable. I have contacted the companies who have the inquiries on my credit report and they are all unable to verify the inquires. Equifax is refusing to delete unverified inquiries off my report. I dont even have any accounts attached to these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are currently on my credit reports even though president Biden has passed a law to remove/forgive all student loans.