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

A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is Whitestone Financial is located Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to Whitestone as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the toyota dealership in XXXX, NC, and thus paying the car off in full. Whitestone Financial had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action Whitestone Financial took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
Product: Mortgage

In 2010 I filed chapter XXXX debt relief and reaffirmed my first and second mortgage with J P Morgan Chase and have been making my payments as required ever since. My first mortgage payment history has been reported to the credit bureau as required but my second mortgage account ending in XXXX has not. I recently applied to re-finance with XXXX Mortgage, loan office XXXX XXXX in XXXX XXXX XXXX and combine my first and second to save money, almost XXXX per month, but because J P Morgan Chase has not and will not report payment history to credit bureau I can not meet underwriting guide lines to do the refinance. I feel this is being done to prevent me from being able to refinance and keep them from loosing my loan. I need help, this is costing me XXXX every month that I ca n't get my refinancing done. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : XXXX and list of Inquiries. 

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 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.

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.
Product: Checking or savings account

Wells Fargo is still finding ways to discriminate against myself. I received an email stating my XXXX XXXX was no longer accepted as an address. 
I travel and live in my converted XXXX, XXXX for bid they call me homeless and less the a human! I do not have a permanent physical address. I am a divorced woman, retired and a XXXX senior citizen. Wells Fargo continues to find and cause as much anguish as possible because they do not like my kind! 

I AM TIRED OF APOLOGIZING FOR MY LIFESTYLE! I AM OVER 30 YEARS CLEAN AND SOBER HELPING OTHERS, PAYING FORWARD AS MUCH AS I CAN BEFORE I DIE! 
WELLS FARGO HAS DONE NOTHING BUT AGGRAVATE AND DISCRIMINATE! 

The letter I received from Wells Fargo threatening to close my account XX/XX/2023. I have four ( 4 ) direct deposits from government agencies that take over three months before direct deposit can be changed, not to mention trying to find a bank that isnt as corrupt as Wells Fargo. 
I have had this checking account for almost five ( 5 ) years. I will contact legal help for this discrimination and hardship Wells Fargo has caused me. 
I had a trip planned for my birthday XX/XX/XXXX, but now I have to worry about Wells Fargo stealing my money! 
I tried calling wells fargo customer service I was treated rudely and hung up on!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation : XXXX  XXXX. Please delete from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection/chargeoff on my credit profile from the XXXX XXXX. First, the account date of last activity is XXXX. In Mississippi, the statute of limitation to collect on written debt is three years. As we are in XXXX, heading to XXXX, the statute of limitation to collect on this debt has expired. Therefore, legally there is no balance due to this company. I moved out of these apartments back in XXXXXXXX XXXX XXXX. Furthermore, the comments say customer dispute, but consumer disagrees XXXX is reporting the date of last activity as XXXX, Equifax reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX The date of last activity should reflect the last date a payment was made. There was no payments made after XX/XX/XXXX. Therefore each company is reporting an incorrect date of last activity and has in fact re-aged the date of last activity on this account. Therefore this is an FCRA violation and the dispute has not been resolved. Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ). When a consumer disputes an item of information, the agency must investigate the dispute, and of the information can not be verified delete. 15 U.S.C Section 1681i Further national credit systems can not try to not adhere to the FCRA standards when they are reporting the account as a CHARGE-OFF on my credit profile. Futuremore, it is a violation for a COLLECTION company to report TIME BARRED DEBT. if I were to consult an Consumer law attorney I could be aware damages for reporting time barred debt, reporting debt after the statute of limitation has expired, which would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages.
Product: Credit reporting or other personal consumer reports

I am writing to SYNCB/AMAZON to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that SYNCB/AMAZON being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update or delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
Experian : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper national star has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with lesion team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said  because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an unauthorized transaction was made on my Capital One Quicksilver Credit Card for {$340.00}. The bank did not process the payment since the funds were not available. My credit card showed it as a returned payment and was closed for violating the cards policy. I did not authorize these charges to go through. I pleaded with Capital One that it was an unauthorized charge on my account, but was told it has to remain closed. The same thing was said for my second credit card account with Capital one. 3 returned unauthorized payments on XX/XX/XXXX for {$640.00} and also XX/XX/XXXX for {$340.00}. I am please asking to have these accounts open again. I have been a loyal customer of theirs since 2018. Never missed a payment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my report that i do not recognize. I have reached out to the credit bureau multiple times. They have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. 
COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from SYNCB. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call SYNCB they tell me that it's not them and is on my report fraudulent to contact again credit bureau and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hi My name is XXXX XXXX, I am having problem with care Credit, I am being charged for things I did not authorize, I owe them {$1400.00} this is the latest amount, it seems no matter how much payments I make, my loan does not come down, i was charged {$23.00} for Credit card Insurince, which I did not know or was told about, Finance charged {$12.00} on XX/XX/2021 both on XX/XX/2021,
Product: Payday loan, title loan, personal loan, or advance loan

They kept withdrawing money from my bank account even though my bank paid it. My bank account went negative bc of it and got closed. I'm in debt now. Also approved me for a loan said I got the money but I didnt
Product: Student loan

Im a  XXXX  student that graduated from  XXXX   XXXX  on  XXXX     2016 and  they promised to help me find a job and failed to do so after I graduated. Im unable to pay my student loan that  XXXX   XXXX  gave me from Navient and I live on  XXXX  fixed income.  XXXX   XXXX  me and other students through an internship that was a small computer shop that looks like a sweat shop that doesnt teach us anything about our job careers in the computer field. I will like if you can please have the courtesy of resolving this issue by waiving or reducing my student loan that im unable to pay with my  XXXX   XXXX  income and prevent this from happening to other students from wasting our tax payer money.
Product: Vehicle loan or lease

The Service Members Civil Relief Act requires lenders to reduce interest on all debts acquired to 6 % max. My lending company is not calculating my payment correctly and deferred my interest pay instead of forgiving it, which is against the law. I have already called them and they refused to adjust my account. 
https : //www.justice.gov/opa/pr/justice-department-and-consumer-financial-protection-bureau-underscore-legal-obligations-auto
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken.

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX
Product: Debt collection

XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report again, I discovered that some of the information is incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) require the three credit bureaus to validate these accounts. It is not permissible to report unverified information without providing proof within the legally specified time frame. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX