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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXXL ( Retailer ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Product: Debt collection

Collins Asset group reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus Collis Asset groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...
Product: Credit card or prepaid card

First and foremost, Chase has been charging me a predatory interest rate of 24 % which is predatory. Am attaching a copy of my credit score. There is absolutely no basis for this rate which is usury. 
Second, I have been charged on interest by Chase where there was no basis for it. 
I was charged XXXX of interest in the XXXX  month of 2022. There were XXXX charges that were part of this calculus that were refunded and not authorized by me. First for XXXX XXXX XXXX  XXXX XXXX XXXX for XXXX and the other is XXXX XXXX for XXXX. Hence Chase 's basis for interest calculation is fraudulent. The basis for the interest assessment is XXXX at most not XXXX I want this recalculated and will now need to research all statements to identify other possible examples of interest rate assesment that is not legal. 
So I want the interest charge refunded and an explanation for the usury esque interest rate when my credit score is XXXX. After i receive a response, i will determine if i wish to keep this card or not.
Product: Consumer Loan

Wells Fargo Dealer Services did not handle my repossession properly. According to the State of Texas UCC 9.506 & State RISA XXXX MVISA statutes a deficiency can not be claimed unless all of the required notices were properly & timely given. As well as all allowable redemption & cure time limits were adhered to. Wells Fargo failed to followv these requirements. I have contacted this company with no response to my request of proof of these noticed being sent due to the facts that I never received them & continued to get mail at the original address listed on my loan. After leaving that address I then had my mail forwarded. However if the notices were sent & received or sent & returned they should have proof of this. Which I 've asked for.
Product: Vehicle loan or lease

Lease buyout  completed XX/XX/XXXX, no title as of XX/XX/XXXX. Numerous calls to Hyundai finance with escalations and emails to title dept. Hyundai finance states they are waiting on dmv. I called dmv and they said they have received no request for anything since the vehicle was paid off. Dmv states last request was in XXXX. Hyundai states last request was in XX/XX/XXXX to correct some discrepancy from when i moved to different state. So the numerous calls i made since buying out car about the title was info from XXXX with no new inquiries to the dmv from XXXX. XXXX says they are waiting from XX/XX/XXXX for the dmv to tell them what they need to correct title. I got through to dmv today...
Product: Debt collection

I received an email from Financial Corporation of America stating that I owed {$30.00} and my account was in collection but that account has been paid in full.
Product: Credit card or prepaid card

Visa Best Buy Credit Card. 
Purchased items in XXXX and XX/XX/XXXX. I entered automatic check payments with my credit card number in the account box, so that account number was printed on the auto payment check. I made monthly payments each and every month since XX/XX/XXXX. Citi, for some unknown reason, deposited 2 of the checks into someone elses account. It resulted in late charges and escalating my balance by over XXXX for fees, etc. I sent in the proof that I had faithfully sent in my payments, but nothing came of it, they just ignore me and keep adding fees to my bill. I've called customer service many times and still nothing gets done. I am sending in my last set of documents and if that doesn't rectify this account, I can only get legal council next. It is getting out of hand as the zero interest promotional purchase will end in XX/XX/XXXX and will then accrue back interest. They have paid the fee 's first and then apply the left over to the dishwasher promotion, so the dishwasher is a little behind in being paid off. I'm XXXX and have a limited income, but this would have been completed if they had not made so many mistakes with this account. They even charged a late fee AFTER I made a payment. Its terrible bookkeeping.
Product: Checking or savings account

cash app has closed 1 of my accounts and did not handle a reporting problem on my account you cant not reach customer service at all and we get denied service 15 usc 1691 TILA, FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Wells Fargo card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Wells Fargo card services to furnish any late payments to my consumer report. It is my belief that due to Wells Fargo card services business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to advise that the address listed as my current address was incorrect and an address listed as my former address is my current address. This information can be easily verified against the other credit agencies information. Equifax advised that address updates had to be treated as a dispute and the update process would take 30 days. I explained that because of the erroneous Equifax information I was denied credit, and I'd like the update to be made immediately. I was told company policy would not allow the agent or supervisor that I spoke with to make the change. 

I find that unacceptable. Their process is antiquated, and it compromises my ability to get credit in an undue manner. The other credit agencies following identity validation allow a person to make updates to their address, telephone number, employment, and income online as there are numerous online resources to confirm such information. Equifax, however, is stuck in 1980. They require a person to mail or upload sensitive documents like a driver 's license and home utility bill and then tell you the update will take 30 days. Their antiquated verification process increases the possibility for someone to commit identity theft and delays my ability to get new credit. This must stop. People use credit agency information for verification purposes and when that agency has obsolete information and antiquated processes to allow a consumer to update their information the consumer is harmed. 

Please do not allow a multi-billion dollar entity endowed with great power concerning consumers to continue to employ obsolete technology. 

Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I submitted a complaint and This company did not provide me the original contract with the original creditor with my signature on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$74000.00} written off. {$94000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record fcra violations XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$110000.00} written off. {$37000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record Account NameXXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit- Highest Balance {$13000.00} TermsXXXX Months Payment History FCRA VIOLAITONS NEVER LATE XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$1800.00} Date OpenedXX/XX/XXXX FCRA VIOLATIONS NEVER LATE
Product: Credit reporting or other personal consumer reports

I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 



XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 4 FTC reports with inquiries I did not authorize
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX purchased on XX/XX/21. All information given in sales pitch was fraudulent and deceptive and was found out after rescission period was over. I was denied access to XXXX website until after rescission period was over and in fact never told there was a specific cancellation window. I have made numerous contact phone calls with Quality Assurance for this membership to be cancelled with 2 Certified Mail Letters sent to office in XXXX, FL on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, also sent a Cease and Assist Letter to XXXX due to extensive phone calls from XXXX and XXXX XXXX, calling me morning, noon and night on my phone. Post office states they will not accept mail sent, trying to avoid my correspondence. I have already disputed twice the charges to my Discover card due to services not provided as stated. I will be filing a complaint with Profeco against XXXX XXXX XXXX ( They have a XXXX rating of F with similar complaints ) and with Consumer Financial Protection Bureau against Discover. My other credit card company understood there was no way for myself ( consumer ) to discern the deception by reading the contract. With the multiple correspondence via Certified Mail to XXXX XXXX and XXXX XXXX XXXX to addresses provided with no receipt or acknowledgment accepted. There was no way the contract would have disclosed the price of a week being {$5000.00} compared to the {$500.00} we were promised. We did not have access to the booking site to verify false claim until after the rescission period. 
Purchase Price : {$47000.00} Down Payment : {$14000.00} Amount Financed {$35000.00} Monthly Payment : {$870.00} My other credit card has refunded charges due to deception and fraud by not providing any services promised. 
After reading the contract it was founded that the only benefit we purchased for this amount of money was to receive a 25 % discount on future vacations with XXXX XXXX XXXX. My spouse and I were never told this information. I see where the information sent my XXXX to Discover states we have already used services with XXXX, however the leisure cash that was provided was given as an incentive to attend their presentation. We have used no other services. We have been trying to cancel this membership since XXXX which was within 30days of signing membership contract. Full contract was not made available at time of signing and only deceptive benefits were discussed.
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items listed down below, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

FIN XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} CXXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided multiple sworn statements to Experian About two XXXX accounts appearing on my credit record that do not belong to me. It will be deleted, just to be readded. I sent a request for credit line blocking. They said it would be blocked by yesterday XX/XX/2023, it is still not blocked. Per law they have been provided with the proper documents to suppress such, but fail to do so. They also make it extremely difficult to speak to a human regarding ID theft. I am going through my government XXXX security clearance and this is stopping my background investigation completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

i can't open a bank account or cash checks
Product: Checking or savings account

Several fraudulent checks ranging from {$600.00} to to {$800.00} dollars over several weeks were cashed out of state and taken from my business account. Huntington admits that the checks were fraudulent and forged.These check numbers were way out of sequence. Also, did n't even resemble the checks we have used for several years. 
Check # XXXX XX/XX/XXXX{$600.00} # XXXX XX/XX/XXXX {$750.00} # XXXX XX/XX/XXXX {$710.00} However ; declined to reimburse these monies due to not utilizing a security feature that they can supply. But yet knew nothing about. I feel Huntington failed to protect my money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints through the cfpb website on XX/XX/30 to have them investigate the following accounts XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Equifax also harassed my requiring me to send a paystub and drivers license picture because the stated my information I reported on my cfpb complaint was inaccurate which was false and documented on the cfpb website I also attached the letter I received from them