23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In addition to XXXX Bank of The West returned my {$50.00} check # XXXX to my XXXX account and charged me {$15.00}. I learned of the return check but only just learned of the {$15.00} charge. I had been told XXXX could not read my account number and blamed them over Bank of The West. Yet Bank of the West photo image was accepted and you can clearly read on the back all of my correct numbers. I think they did this on purpose based on my prior complaints and to earn revenue from themselves while stealing a XXXX XXXX XXXX person on XXXX money because like I stated before is easier to steal money from the poor as we have no power. I Need my {$15.00} back. I am XXXX years old and haven't had anything bounce since I was XXXX from a work paycheck error.
Product: Debt collection

Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me.
Product: Credit reporting

Equifax is reporting on my XXXX that they removed a collections account but the collections account is still reporting on my credit report for XXXX # XXXX.
Product: Debt collection

This complaint involves the primary collection agency and a more recent collection agency. To begin, the primary collection agency XXXX XXXX XXXX XXXX began contacting me about a valid medical debt on XX/XX/XXXX for {$550.00}. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke to a XXXX XXXX. She would not give me her first name. I settled and paid {$330.00} as an agreed settlement amount between me and XXXX XXXX XXXX. Confirmation # XXXX. I continued to receive debt collection calls and letters to my home which I have copies of. I contacted XXXX XXXX back on XX/XX/XXXX at XXXX per XXXX XXXX would close the case out per manager. 
XXXX Received another letter to my home from XXXX XXXX XXXX XXXX Called XXXX XXXX back per XXXX XXXX admitted this letter should not have been sent out and that this is wrong. Spoke to manager XXXX XXXX and she reassured me that she would close this case out and no other correspondence would be sent. 
XXXX received debt collection call from AArgon collection agency ina temp to collect the debt in which I settled with XXXX XXXX  XXXX XXXX 
I wish to file a complaint against this matter and to stop the harassment calls. Please contact me if there is any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Equifax. Here is my Report number : XXXX. However, The credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a consumer creditor or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How they complete this investigation.
Product: Credit reporting or other personal consumer reports

These 4 negative accounts reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable!!!! ( PLEASE SEE ATTACHED )
Product: Consumer Loan

I have had an auto title loan with Maximum Title Loans for several years. 
Interest payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called MTL and told them I planned to sell the car, then pay off the loan and interest. Rep agreed to my proposal. 
My car was repossessed on Saturday, XX/XX/XXXX, when interest was 14 days past due. I received no notification that our agreement would not be kept. 
On Monday, XX/XX/XXXX, I spoke to an MTL rep, asked that MTL hold to our agreement of XX/XX/XXXX, that repo fee be reversed and car returned to me. They refused. 
I tried over a period of three weeks to obtain the name and email of the owner of MTL. The reps I spoke with refused to allow me to contact him. Finally, on XX/XX/XXXX, I was given the information. 
On XX/XX/XXXX I asked the owner by email to return the car ; he waited until two weeks later to respond to me. He said my car had been sold at auction on XX/XX/XXXX. 
I 've received no written notice of the sale of the vehicle nor any written accounting of balance due. 
They have repeatedly harassed, threatened and bullied me and my contacts. They continue to call up to 9 times a day, plus emails and voice messages. 
I have twice sent emails requesting that they stop phoning me and my contacts and have told them over the phone to stop calling me. All requests have been ignored. 
The car was worth much more in a private sale than at auction. Had MTL held to our agreement of XX/XX/XXXX, I would have sold the car and paid off the loan long ago and be now free of the debt.
Product: Debt collection

I wrote to Ally Financial in regards to an alledged charge off debt observed on my credit report and I got a response from XXXX XXXX XXXX XXXX XXXX with an invoice with incorrect and confusing information. 
High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is XXXX  months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate. 
all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation. 
15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( XXXX XXXX XXXX XXXX XXXX ) violated my rights in this regards. 
both XXXX and Ally have violated me.
Product: Debt collection

XXXX bogus so-called corporation is saying I owe them {$730.00}. I do not owe them a penny. They reported me to the credit bureau '' s XXXX, XXXX, XXXX. What i want if for them to do what is right. I am a hard working honest man. I researched Midwest Recovery Systems on the internet and found out that this predator corporation goes after honest hard working people claiming they have a debt to pay. I refuse to give in and pay them. This is my complaint.
Product: Debt collection

XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.
Product: Credit reporting or other personal consumer reports

I disputed a late payment ( s ) that was reported by XXXX collections agencies that was sold to the following companies without my written permission. According to FCRA 605b section 1681 these companies do not have the right to do this. This is on my credit report by XXXX these collections are XXXX XXXX XXXX stating the account was paid off with a XXXX balance, by XXXX XXXX XXXX  but written to XXXX XXXX XXXX that I owe {$740.00}, XXXX XXXX XXXX, my information was sold by XXXX XXXX in the amount of {$470.00}, and Midland Credit Management sold to them by XXXX in the amount {$570.00}. This account is also in error. 

I would also like to request my bankruptcy removed, due to XXXX not furnish this information.
Product: Credit card or prepaid card

To Whom It May Concern : I have a credit card, account number XXXX, with BarclaysUS. They were offering a 0 % APR balance transfer offer for 6 months that I wished to accept. The representative was offering to direct deposit the money that I need directly into my business bank checking account with XXXX Bank. I did this transaction on XX/XX/XXXX and the transaction posted on XX/XX/XXXX. I was a bit concerned with the XXXX doing the transfer on XX/XX/XXXX as he was not asking for my routing number and did not know the account number. I found this odd since I had done a similar balance transfer offer successfully on XX/XX/XXXX to the same bank account and got the money instantly. He kept asking for my branch address. I had to request that he take my routing number down numerous times. I knew that without a routing number, the ACH of funds would never hit my TD Bank checking account ( or XXXX Bank at all for that matter ). He eventually completed the transaction. 

I later checked on XX/XX/XXXX to make sure the funds had hit my account and they still had not. I called on XX/XX/XXXX to establish a complaint with the company. The first representative did not seem to think it was a problem and that most ACHs could take up to XXXX business days. I implored her and her XXXX that I asked to have escalated to during the call to look a bit deeper. They realized that there was no routing number. I supplied this to them. However, now they said that this could take up to XXXX business days to resolve. I did not think that was a reasonable time window for resolution. I called again on Friday XX/XX/XXXX. I got the same answer that a case has been started and they're looking into it, but I could sense that there was no resolution on the matter or even a start to resolve the matter. They continued to reinforce that this might take 30 days to resolve. I don't think a simple ACH mistake should be given that long of a window, especially when it was me who initiated the case 5 days later and the charge is on my Barclays account for which I have the responsibility of paying. However, I don't have the benefit of receiving any money to complete the transaction. 

I am writing to the CFPB to expedite the handling of this matter with Barclays. I wish for a Barclays representative other than a customer relations XXXX to give me a resolution window that is less than " possibly 30 days ''. 

I can best be reached by my cell phone at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. XXXX. XXXX XXXX XXXX XXXX : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. XXXX. XXXX XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. XXXX. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. XXXX. Provide me with a written response detailing the results of the investigation and actions taken. XXXX : XXXX XXXX
Product: Vehicle loan or lease

I bought a car on XX/XX/2019 just over 2 weeks ago with {$1000.00} down and {$500.00} deferred. They did not disclose that there was a GPS tracking/disabling device on the vehicle. They started out telling to just get my insurance as soon as possible then the very first Tuesday or Wednesday they already disabled the vehicle saying that I was supposed to have my insurance within 24 hours, if I would have known it was 24 hours I would not have tried to wait until payday on the following Friday, I would have done my insurance immediately. Then come Saturday the XX/XX/XXXX they have disabled my car again because I paid {$300.00} of the {$500.00} deferred amount that was due that day. Then I lost a contact that couldnt be replaced over the weekend because ai did not even have access to my prescription over the weekend. I did not order glasses at the time because XXXX XXXX could not connect with my government XXXX/XXXX XXXX and were trying to charge me too much money. Anyway when I paid the {$300.00} one of the sales people at Texas Auto Center assisted me in making the {$300.00} payment in their payment ATM and I said I would pay the rest as soon as I made it with XXXX and XXXX, he did not argue or say anything at the time. Then Monday morning at the optometrist they start harassing phone calls and disabled the vehicle. The period of time the {$200.00} was late and the disabling of my vehicle is absolutely ridiculous and the harassing phone calls starting the very next business day is very extreme! Texas Auto Center in XXXX XXXX, TX needs to extend that period of time before they start harassing their customers and disabling their vehicle to allow for a more fair period of time and give honest customers a chance to make things right. They constantly lie and give their customers the run around. I have been reading their customer complaints and reviews on the XXXX XXXX XXXX website and have since come to the conclusion that their business practices are highly shady and their consumers need protection from these sharks that most of them do not know where to solicit.
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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

TransUnion score changes every other month to XXXX then to XXXX. This has been going on for a year with TransUnion. Something is going on fraudulently and I need this to be investigated immediately
Product: Checking or savings account

XX/XX/2019 : I called the fraud department regarding my account and I was transferred over and over until I got to a gentleman that was rude and not attempting to be helpful at all. 
XXXX XXXX : I went into the XXXX, Ga branch to withdraw money. They needed to call the back office and they could not find a check ( {$21000.00} ) so they would not release the funds. 

The check was deposited in a braoand put on hold for 14 days for verification. The funds are showing in my account. I have the receipt of the deposit. There is no reason I cant get my money because they lost the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX THEY have not reported correct payment. The account is showing open and was closed in 2015. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors that I asked for nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Clarity Services is reporting incorrect information on my consumer report. My name is XXXX XXXX XXXX and my address is po box XXXX XXXX XXXX, MI XXXX. This is my only information remove any security freeze and provide me a copy of my report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information and Reference to CFPB Allegations Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite multiple previous disputes filed with your agency. The persistent failure to correct or remove these inaccuracies mirrors the serious allegations made against Experian by the Consumer Financial Protection Bureau ( CFPB ) for violations of the Fair Credit Reporting Act ( FCRA ), as outlined in Case No. XXXX. 

The CFPB alleges that Experian harms consumers by conducting inadequate investigations and mishandling disputes in the following ways : Conducting sham investigations that fail to properly address consumer disputes. 

Using faulty intake procedures and failing to accurately convey relevant dispute information to the original furnishers. 

Accepting unreliable responses from furnishers without critical review, even when responses are improbable or illogical. 

Providing consumers with unclear, inconsistent, or incorrect dispute resolution notices. 

I have personally experienced these issues, as demonstrated by Experians failure to correct the following inaccuracies on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I have previously disputed { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their response is enclosed. I have attached a letter from XXXX XXXX XXXX stating they have deleted the inaccurate information from their records. Also a copy of the my credit file showing that the XXXX AND XXXX has " followed suit ''. 
It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 
Sincerely, I have attached supporting documents, including letters ], which provide evidence. 
Sincerely