23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries 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. 
Th US. nts slow a se vi. States nave 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 ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en Equifax XXXX XXXX XXXX REPORTING XXXX  XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX : XXXX, payment not late account XXXX.
Product: Debt collection

US Auto Sales is a car company that recently closed down. Before their sudden closure, I was involved in a car accident that resulted in the total loss of my vehicle. I asked multiple customer service representatives what the status of my case was, but I never received a response. I was told that since I had GAP coverage and the vehicle was a total loss, I was not liable for any monies owed on the loan and that I would receive confirmation of that fact, I never heard a thing. While continuously waiting on a response about my case. I saw the news that US Auto Sales was shut down and now I'm getting mail from Westlake management stating that I owe money for car payments, which I know is not accurate. This is reporting on my credit, which it should not be because I was not a fault and my vehicle was a total loss. I am owed the money that I already invested in the vehicle as well. When speaking with Westlake, no-one has a history of my vehicle being a total loss or can provide me any information in regards to the resolution from US Auto Sales .
Product: Payday loan, title loan, or personal loan

I have a XXXX XXXX loan with a balance of approx. {$7000.00}, with Wells Fargo Bank. On XX/XX/2020, I authorized a one time wire transfer from my personal checking account with XXXX XXXX  to pay off the loan. Wells Fargo said that the amount due of principal and interest to pay off the loan was {$7200.00}. I authorized that amount and requested that my account be closed when paid off. 
On XXXX XXXX XXXX  statement I noticed that on XXXX XXXXXXXX XXXX {$7200.00} was taken out and {$7000.00} was put back in. I was under the impression that the XXXX XXXX loan was paid off, to my confusion and dismay I still owed over {$7000.00}. Wells Fargo did keep {$270.00}, where and what this was for, I still have no idea. 
On XX/XX/2020, I went into the Wells Fargo branch that I have been a customer of XXXX years and requested that the loan be paid off from my Wells Fargo XXXX account. They were helpful, and did just that., calling the XXXX XXXX department to get an accurate payoff amount to take out of my business account. They took {$7000.00} from my Wells Fargo business account. 
On XX/XX/2020, when I received my Mechanics bank statement, to my dismay, confusion, and distress, I was horrified to see that on XX/XX/2020, Wells Fargo took {$7000.00} from my XXXX  account. With absolutely no authorization or communication from Wells Fargo to let me know they are doing this. This account was supposed to be paid off on XXXXXXXX XXXX XXXX, it wasn't, now Wells Fargo has over {$14000.00} of my money with no explanation as to where and what they are doing with it. I'm not in the business of loaning banks money, I want my money back with interest. 
On XX/XX/XXXX, I went back to Wells Fargo and asked what the heck they were doing. The bank staff were as appalled as I was that this happened, they called Wells Fargo XXXX XXXX XXXX. and found out that the put back in my business account {$7000.00} STILL with NO explanation. 
On XX/XX/2020, I called and talked to " Wells Fargo Customer Care '' the person I talked to said he would get back to me in XXXX hrs. Didn't happen!!! ON XXXX XXXX XXXX, I called again, and once again he said he would get back to me in XXXX hrs. Still waiting!!! 
What if I didn't have the funds to cover all the checks that I wrote, because of Wells Fargo mismanagement??
Product: Debt collection

I had Internet service at my Home in Georgia and the Internet was continuously having problems, so I called on several occasions to get XXXX XXXX XXXX to come and provide service to fix the problem. We set up an appointment and the technician did not show up on 2 separate occasions!! I was furious from missing work, etc. 2 weeks later the Modem went out and NOW the Internet was completely down, so I had no choice but to get XXXX XXXX XXXX out to my home and finally a tech showed up and stated that I needed a NEW modem and I said OK, then stated that I had to pay for it, and I refused because it was their modem and I was paying monthly for it!! I said, I NO LONGER want XXXX XXXX XXXX because you guys are horrible, the tech then said " I understand '' and started packing up. I told him to take the MODEM with him and he said " just throw it away, its fried ''! I said ok, called XXXX, who I am still with today. A year later, XXXX XXXX XXXX puts a debt on my credit report saying I owed them for a Modem!! I was beside myself and NOW, I have a collection agency hounding me, continuously refreshing their reporting to the Credit Bureau.. I dispute it and get it removed, and then they report it again with a different amount, so I called them and told them that they are harassing me and NOW its worse than ever!! They keep adding to the original {$19.00} they say I owe, which I do n't, and now its {$160.00}!! They refresh every month adding new fees. They are continuing to harass me!!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Fate XXXX Laws Dear XXXX XXXX I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the XXXX  Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically XXXX Penal Code Section 32.51 . It has unequivocally come to my attention that XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the XXXX Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and XXXX XXXX and XXXX of the XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DPT ED/AIDV will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Doneingoodfaith.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year>. I completed an FTC Report to report fraudulent accounts on my consumer report with Experian. I mailed my FTC Report along with my license certified to Experian. Experian reported back those accounts were verified. I did not receive any evidence of proof about the investigation dispute. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.
Product: Debt collection

I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/year>, I sent a certified letter to Navy Federal containing to things within my credit report. The letter was sent via certified mail and was received by the office, as confirmed by the provided tracking information. 

Despite my request, I have not received the requested validation and demanding that the information be immediately deleted from my credit report. 

Thank you for your immediate attention to this matter.
Product: Consumer Loan

At XX/XX/XXXX, I had a buyer for our RV and because Bank of America failed to keep track of the title, I lost the sale despite the willingness of the potential buyers to wait over three week. Bank of America continues to have me as a loan customer, the buyers are on their way to XXXX and I have no recourse for a set of errors that are still unresolved. Because I lost the sale, I continue to pay approximately {$500.00} per month for the loan payment, insurance, rental space at a sales lot and printing brochures. The later into the summer, the less likely to find a buyer especially at the price that was agreed to in XXXX. 

Bank of America said that they would make every effort to obtain a replacement title for the RV but when I checked with NC DMV they indicated to me on XXXX XXXX that there was no additional requests for a replacement title. The only request was in XXXX 2015 which was the first time Bank of America indicated to me that they could not locate the title. That first replacement title was mailed to Bank of America in XXXX, XXXX where it was later sent to their repository in XXXX. XXXX DMV said that this second request for a replacements, even if processed, takes four to six weeks to complete. 

Key errors were first the lack of awareness two years ago on the part of Bank of America that they had never received the XXXX title for the RV. NC DMV said that it was returned to DMV. Second, when this was discovered and Bank of America had the replacement title in XXXX, the sending of that title to XXXX resulted in the loss of the title. 

Because a title was still not in hand, I asked XXXX XXXX XXXX on XXXX XXXX, through a XXXX XXXX XXXX a Customer Advocate from Bank America, to please contact the buyers and see if they would still like to complete the deal. They had already waited over three weeks and I had nothing I could say to encourage them to stay and complete this deal. XXXX XXXX called them and was told that evening that they could not wait any longer and that they had purchased a different RV. This was the evening of XXXX XXXX. XXXX XXXX called me and notified me that the sellers had purchased a different RV. That was over three weeks from the day the buyers agreed to buy my RV. My sale was lost. 

As of XXXX XXXX, 2015, there is no word of Bank of America obtaining a replacement title for my RV. I have no subsequent offers to buy my RV. I am continuing to make monthly payments to Bank of America by direct payment, also continuing to pay insurance and monthly rent of a space for displaying the RV at a local used vehicle sales lot.
Product: Debt collection

PLEASE SEE ATTACHMENTS FOR FURTHER DETAILS OF COMPLAINT CKS PRIME INVESTMENTS LLC filed a meritless lawsuit against me without providing any valid proof of a claim or a binding contract with my signature. I have no connection to the alleged debt they sought to collect, and their failure to participate in arbitration led to the court 's dismissal of their lawsuit, the courts also denied their motion for default judgment. Moreover, they damaged my creditworthiness by accessing my consumer credit report for debt collection purposes and damaging my character and reputation as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an account reported by XXXX XXXX XX/XX/XXXXXXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the 30 days past due from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and theXX/XX/XXXX

Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account 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 {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I last used my Citi Prestige card for a bona fide purchase in XXXX. I was charged my annual fee in XX/XX/XXXX. 
Upon realizing I hadn't used the card in over a year, in XX/XX/XXXX, I attempted to call Citibank to close my card prior to the annual membership fee being charged. I was informed this would happen. 
In late XX/XX/XXXX, upon receiving a debt collections call, I paid the balance in full in the interest of settling my account, though the representative informed me that it would be refunded after the fact, and my account would be closed. 
In XX/XX/XXXX, I received an email from Citibank indicating that I had a balance due, which I again thought was strange, as I'd attempted to close the card 13 and 11 months prior to that. I called and attempted to cancel, but was told it wasn't necessary to make a payment at that time because the bill was not due yet, and my annual membership fee would be refunded. 
On XX/XX/XXXX, I received another debt collections call because my account was past due. I explained the past history to the representative, agreed to make a minimum payment to avoid any additional fees, and was informed my account would be closed and the annual membership fee refunded. 
Today, XX/XX/XXXX, I received yet another email from Citibank indicating again that my account was past due. After numerous attempts to navigate Citibank 's automated phone system that indicated my credit card number did not exist, I finally reached a representative. This representative told me that my account had in fact been closed on XX/XX/XXXX, but that there was in fact still an account balance due. This account representative indicated that he would pass it along as some sort of referral, but that I otherwise had no recourse for Citibank 's past misleading statements. 
At this time, Citibank has fraudulently billed me for {$900.00} and wasted approximately 15 hours of my time over the course of 14 months, while also likely damaging my credit score in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit report Immediately.
Product: Credit reporting or other personal consumer reports

I'm a victim of Identity Theft by my Ex husband.

Remove Negative Information from my Credit Report
Product: Credit reporting or other personal consumer reports

National Credit Adjusters amount of transaction XXXX I disputed transactions with all three credit bureaus. Once information was received regarding the original creditor, I agreed with the transaction. However, XXXX states the remark of the Consumer Disputes charge must remain on my credit report. I am no longer disputing this transaction and would like it removed.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Oportun On XXXX applied for The Oportun Card As you may be aware, it is against federal law in accordance with XXXX XXXX XXXX XXXX  to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. ( experian, XXXX, XXXX, etc )