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

Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe VW CREDIT INC and I do not have a contract assigned to VW CREDIT INC. VW CREDIT changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with VW CREDIT INC and I've asked for the credit application which they refuse to provide also.

I have given VW CREDIT INC multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about?

SERVICE I've requested VW CREDIT INC to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.
Product: Debt collection

I am currently in the process of settling my credit card debt with multiple creditors through XXXX XXXX. American Express has begun to call my friends and family asking to get in contact with me. I realize this is legal, but American Express has called my sister ( who is not a consigner of American Express ) twice and has disclosed that this regarding past due debt. Given this illegal tactic, XXXX recommended I reach out to you to submit a complaint. I am hoping you can help given they 've called more than once to the same person and disclosed my debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX XXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX  ) after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 

Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM XXXX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ). 
*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}
Product: Credit reporting

I have notified Equifax many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT UNITED WHSLE MORTGAGE XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Product: Credit card

The us bank online system wouldn't let me cash out rewards on the XXXX XXXX XXXX XXXX credit card to my us bank checking account. As such I redeemed this for a statement credit. I called the bank a total of three times over the course of two weeks asking for a check to be mailed to me for the negative balance on my card. 

The latest call id on XX/XX/2024 with a call ID of XXXX. A supervisor named XXXX told me they had still not mailed out a check.
Product: Mortgage

chase XXXX i do n't remember ever having this card, I have a XXXX card and use it all the time but I do n't have a clue what this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

this loan has been paid off. I paid the account right away and now found out that the account appears as a pid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.
Product: Credit reporting or other personal consumer reports

ATTN : FRAUDULANT DEPARTMENT AGENCY RE-INVESTIGATION *THIS IS A SECOND ATTEMPT TO RECTIFY THIS ISSUE, YOU ARE NOW 30 PASTED DUE ON THE REMOVAL OF THE FOLLOWING DISPUTED INFORMATION* The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 
Please provide : 1.As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b , requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information. 
Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

LEGAL DEPARTMENT I am writing to dispute the reporting of late payments on my account [ Your Account Number ] in accordance with my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). Upon reviewing my credit file, I have discovered inaccurate late payments that do not reflect my actual payment history and are adversely affecting my credit standing.

Specifically, I dispute the following late payments reported on my account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NO. : XXXX Date of Late Payment : [ XX/XX/year> ] These late payment reports are inaccurate due to [ choose one or more of the following reasons ] : I made my payment on time, and I have attached proof ( Document to adjust and remove late payment ). 
The reported late payment was the result of an error by your institution.

Under 15 U.S.C. 1666 ( b ), I am formally disputing these inaccurate records and requesting a thorough investigation. I kindly ask you : 1. Conduct a formal review of my payment history to verify the accuracy of the reported late payments.

2. Correct or remove any inaccurate late payment entries from my account.

3. Update all relevant credit bureaus with the corrected information.

4. Provide me with written confirmation of the resolution of this matter.

Enclosed with this letter, you will find copies of supporting documentation, including [ mentioning any supporting evidence such as bank statements, payment receipts, or correspondence ].

Please note that under the Fair Credit Billing Act, you are required to respond to this dispute within 30 days of receiving this letter. Failure to correct this error will leave me with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or explore legal options to ensure compliance.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this dispute and provide an update on the status of your investigation as soon as possible. You may contact me via the details provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, around XXXX, I called TransUnion 's " fraud victim assistance department '' at XXXX. It is an automated system. I repeatedly received an error message stating that " the call could not go through. XXXX. '' I then called another TransUnion phone number XXXX on about 7 different occasions from approximately XXXX to XXXX. Each call lasted approximately 10 minutes including hold time. I spoke with at least 6 employees ( " XXXX '', " XXXX '', " XXXX '' ) who all connected me to an automated system ( resulting in the above message ), despite my numerous pleas to speak with a live agent. Only after demanding to speak to a supervisor ( XXXX ) was I transferred to a live agent in the appropriate department. Apparently, I should have been calling XXXX, which is NOT a number that is posted on TransUnion 's " Contact US '' page. I wasted at least 2 hours of my day on what should have taken 20 minutes, and I don't think other consumers should have to go through that.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXXXXXX # : XXXX BALANCE : {$270.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Best Buy, who  uses Citicard sent a letter containing an extremely low credit score and misleads recipients into believing it 's the agency provided credit score when it is, according to Citibank representatives an internal score derived only in part from the official credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XX/XX/22 XX/XX/22 I contacted transUnion about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account, XXXX XXXX and a jcp penny account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be homeless in 6 weeks because our credit score is  effected dramatically and we can't buy a hous or even rent
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XXXX Upon reviewing I noticed I have XXXX XXXXnquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had a joint owned CD with my husband with navy federal credit union. He closed the CD without my knowledge and NFCU transferred these funds into his acct at NFCU of which I was not a joint owner.
Product: Consumer Loan

On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''. 

Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.
Product: Mortgage

I am writing to formally file a complaint against Selene Finance regarding their handling of our mortgage account. We believe that Selene Finance has engaged in predatory practices, and despite our repeated attempts to address the issue directly with them, we have received no resolution. 

My husband and I have maintained excellent credit throughout our 20 years of marriage and have never been 30 days past due on a mortgage payment. Five years ago, we started our own business, and our strong credit history played a crucial role in making that possible. 

In XX/XX/year>, Selene Finance experienced and issue processing our mortgage payment. Rather than notifying us to resolve the matter, they reported a 30+ day delinquency to all credit reporting agencies, causing our credit score to drop by XXXX points. Additionally, Selene Finance provided inaccurate documentation claiming they attempted to contact us multiple times. A comparison of their call logs with our official phone records provided by our phone carrier, shows no such calls were ever made. 

A company that makes minimal efforts, or simply no efforts, to collect a debt before taking actions that severely damage a customer 's credit standing operates in a manner that be considered predatory. 

As of todays date, the only communication we have received from Selene Finance is an email response containing falsified information. We told them their information was falsified and submitted evidentiary documents to prove that. We have yet to hear anything else from them. Their lack of response and unwillingness to engage in good-faith efforts to resolve our concerns have left us with no choice but to seek assistance from your office. We respectfully request that the Consumer Financial Protection Bureau review our complaint and investigate Selene Finances practices. We believe their actions are not only unfair but also potentially harmful to other consumers. 

We have made multiple attempts to resolve our issue with Selene Finance by contacting their customer service department and requesting to speak with supervisors. Unfortunately, the supervisors have been just as unhelpful as the customer service representatives. When we request to escalate the matter, we are told that someone will follow up, but no one ever does. As you will see in our supporting documents, we have also reached out via email multiple times and sent certified letters to obtain a resolution. Despite efforts, Selene Finance has failed to provide a meaningful response. Given the lack of cooperation, we have consulted our attorney and are proceeding under his guidance in filing this complaint, as well as submitting complaints to all relevant credit reporting agencies. This is a serious situation that has already caused significant damage to our credit, which will have long-term personal and financial consequences for both us and our company.