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

Hello Sir, I got an offer code ( XXXX ) for WF checking account for {$300.00} on XXXX XX/XX/XXXX so I went to XXXX, downtown branch to open the account, there executive told me that I am not eligible so I was not happy and walked out without opening the account on XXXX XX/XX/XXXX however since I wanted to open account ASAP, I went again and got my account opened with WF on XXXX, also I lodged a case for WF to check if I am actually 'Eligible ' to receive offer or not on XXXX? and was planning to close the account if no offer was given to me, as I was not happy with the hidden terms and condition of the offer. 

On XXXX XXXX got to know from WF executive that I am eligible for the offer and will get amount between XXXX and XXXX ( after completing 90 days of checking account and direct deposit of XXXX {$1000.00} ) So I wanted till XXXX to get the amount in my account but all in vain. 
finally I lodged a complaint in WF office for investigating this case in 1st week of XX/XX/XXXX. 

Finally my case was closed by WF mentioning that I am not eligible for {$300.00} offer and also they mentioned that communication on XXXX  XXXX was " the representatives provided responses that were considered as vague and not offering any additional context. ", which doesnt look correct. ( refer attached case response ) if it would have been communicated to me that I am not eligible for the offer, I would have closed my WF account immediately rather than continuing it for 3+ months
Product: Vehicle loan or lease

I called a my loan that was sold to Westlake financial. I was told they didnt have my contact bug I owe XXXX on a XXXX XXXX been paying {$480.00} since XXXX.
Product: Credit card

This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.
Product: Credit reporting or other personal consumer reports

I the consume have sent TransUnion multiple letters for them to prove the information that they are receiving from a third party provider is correct and provide proof but they have failed to provide proper proof.. 

The account are in question : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These account are being reported that I owe a debt to witch I have evidence that I do not own anything on these account and that they are being reported inaccurately. I have a certified UCC-11 search from the Secretary of state showing I do not have any debts or liens.

Under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( 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.

It is TransUnion responsibility to make sure the information that they are furnishing on a consumers, consumer report is accurate and true. TransUnion has not done this and it is a violation.
Product: Debt collection

Transworld System INC. Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

Please provide the certified mail with receipt of notification. This company has never supplied the Assignment of debt or Method of verification. 

Anyone can compose document they delivered through the portal. 

Please provide a BIDINGIN CONTRACT. Please provide PHYSICAL PROOF OF THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I, acting on behalf of a student organization that I 'm a part of, was XXXX-charged for insufficient funds by Chase bank. I had enough money in the account for XXXX transaction but not the other. I tried to have the smaller payment go through the system first, but the automatic payments did not work that way. When I asked them to refund me the overdraft fee, they did not. They cited that their company policy when transactions come in without timing information is to process the bigger transaction first, which seems very favorable for them, and very detrimental to their account holders. Obviously I agree that I should have been charged for the XXXX, larger item, but being charged for both just makes it harder for me to pay for either.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies checked my credit WITHOUT MY AUTHORIZATION XXXX  XXXX  XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX. 
I have an FTC report on my credit files and it clearly says that they should call me to make sure I am the person applying. I have NEVER applied with any of these companies. I demand that EQUIFAX DO ITS JOB BECAUSE THEY NEVER DO INVESTIGATION. THEY ONLY WRITE YOU PURE LIES. AND THEY DISCLAIM RESPONSIBILITY. 

EQUIFAX PLEASE PLEASE DO YOUR JOB AND INVESTIGATE DEEPER. IT IS NOT FAIR THAT THEY FILL MY CREDIT WITH INQUIRIES THAT I HAVE NEVER APPLIED. OTHERWISE, I REQUIRE YOU TO PROVE ME WITH DOCUMENTS SIGNED BY ME THAT I MADE THOSE APPLICATIONS
Product: Credit card or prepaid card

XX/XX/2019 Called company because of excessive fee structure - usually, an annual fee on a card is associated with some other rewards points, lower interest rates, no foreign transaction fees, reasonable compliance fees, especially when one has excellent credit -- because Citi is trying to charge me a {$75.00} annual fee on a card with minimal points, that charges foreign transaction fees, has an interest rate of ~25 % and asked them to eliminate the annual fee and lower my rate. Their agent canceled my card without my permission. I called back to complain and they took me through the process of reapplying for the same card and said because the card was new there would be a {$75.00} annual fee, but they would waive the {$75.00} fee on the prior account that is now closed, however, the account is closed so the fee should not be owed. 

In order to switch the card to one without an annual fee and try to get my rate lowered I would have to call back once my new card arrived, expecting me to spend yet more quality time with them on the phone. The {$75.00} fee remains on my closed account, we'll see if they maintain their request for payment ... This company is not trustworthy and unscrupulous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX, I went to my local branch of Regions Bank to purchase {$1000.00} USD to the equivalent value in Chinese Yaun, or CNY. Upon requesting the purchase in the same language I just previously typed, the teller at the counter stated the funds would be there the following Monday the XXXX there would be a XXXX charge for doing so. I agreed to the fee. And she deducted the {$1000.00} from my checking account. Then stated the exchange rate would be {$6600.00}. I showed her on my phone that the current exchange rate at the exact time of purchase was XXXX. She said that's what their computer was saying. I stated it was incorrect, and that we could settle the difference when my money arrived. Upon receiving the Yaun requested thay handed me {$6600.00} CNY. I asked about the difference from the KNOWN Rate. And she said that's all I'm getting back. I tried talking to the Bank manager, I tried talking to corporate headquarters, thet referred me back to the branch. When asked if it made any sense to purchase the equivalent of XXXX USD to CNY, and not receive it??? They said I was screwed. Then when I asked to sell them back the same {$6600.00} on XX/XX/XXXX when the actual exchange rate at the time was {$7200.00}, she offered me {$650.00}?! So the Bank is willing to steal {$350.00} from me! For my original {$1000.00}??!! I have tried everything I know to do. So I'm asking for your help. Thank you. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.
Product: Debt collection

I have contacted LVNV FUNDING , LLC for the past 6 months as it relates to an account they are alleging I owe and have placed on my credit without first validating to see if the account actually belongs to me. It does n't!!! 
They continue to ignore the notices that I have sent them but apparently they are advising the credit bureaus that the account belongs to me. 
Account Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian have reinserted XXXX of the items, Bank XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. XXXX of the XXXX fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to XXXX, XXXX and Experian. The XXXX CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. 

XXXX XXXX stated they would not share my non public information with non affiliates. The CFPB is ONLY credit reporting agency recognized by the government and Equifax is a privately owned company with no affiliation with the government therefore they ARE NOT the credit bureau so XXXX XXXX should not have released my information to Equifax.
Product: Vehicle loan or lease

Credit Acceptance Corporation. Mailed my title with lien letter as well as my payments I made to them to XXXX XXXX XXXX. They closed out the account because they never received title from XXXX XXXX. After filing a police report and civil suit the title was sent to Credit Acceptance with my name on it. They mailed it to the dealership instead of me. Now they are refusing to send proof that they mailed it to XXXXXXXX XXXX instead of me. They also mailed a check for XXXX made out to me to the dealership. They closed out my account because they did not receive title after 9 months of being paid by me. They tried to state they reassigned the contract however the contract was null and voided once the title was not received and they closed it.
Product: Payday loan, title loan, or personal loan

I had a payment due on my line of credit with Arvest Bank on XX/XX/2023. I went into the Arvest Bank located at XXXX XXXX XXXX XXXX on XX/XX/XXXX and made the payment. I was issued a receipt showing the payment was made. A few days later I received a past due notice, followed by a phone call from Arvest 's collection department. I returned the call and let them know when and where I had made the payment. The rep researched it while I was on the line and said the payment had been misapplied and she would get it corrected. I few days later, I received another notice stating that I was past due and charging me a late fee. I contacted Arvest Bank yet again to fix the issue. I was informed this time that the person correcting the initial error had also messed up and applied the payment to the wrong loan. I was told that the second mistake would also be corrected, that I would have all fees refunded, and that I would receive a call back later that day when it was fixed. I did not receive a call back, so I followed up the next day. I was told the process was still in review and that I would be getting another call back when it was completed. By this time, my next month 's payment was due, but I wanted to ensure that this was processed correctly before making another payment which may also be processed incorrectly. I received a follow up call stating that everything was fixed, that all payments were now showing correctly, and that I did not show to have a past due history with the bank. I asked for confirmation in writing in the form of an updated billing statement reflecting my XXXX payment being made on time and no late payments reflecting on my credit history. I was told that was not available but a teller could print an account history for me at the branch. I then went to the branch and made my XXXX payment, thinking the problem had been resolved. I have now received another notice in the mail stating that my loan is 30 days past due and that it could be reported on my credit. Repeated phone calls to rectify the situation have fallen on deaf ears. All I have asked is that the payment be corrected, all late fees be waived, that the records be updated to reflect that all payments have been made on time, and that I receive a letter acknowledging that the past due notices, late fees, and phone calls were due to an error of the bank and that this will in no way be reflected on my credit. As of today, Arvest Bank is refusing to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the fourth complaint I have had to make about the lack of response. My most recent complaint was made on XX/XX/2021 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

They started calling my cell when I was in a meeting for my daughter. I kept saying I couldnt talk and I had to hang up but I called back. I told them I am on XXXX with a very limited income. They threatened to sue me to get the money. They also threatened to report to the credit bureau which they did to XXXX  and caused my score to drop 24 points. They said they had multiple accounts in collections for me but only explained one and would not give me info on any others. I told them I could give proof of my XXXX and I was told someone would get back to me to handle it. No one has. They have also said they will stop the interest from accumulating on these accounts and have not verified these debts or their accuracy! I previously tried to work with this company and they never sent out paperwork to confirm they would settle for half. They stopped contacting me altogether after I tried to receive a contractual agreement for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Equifax numerous times and they keep telling me they do not see a dispute in process, however, when I try to dispute again, it says dispute in progress. I also advised Equifax that XXXX XXXX  is listed on my FTC Report and they keep insisting that it was not mentioned in the FTC report and they never received the report. I do not owe XXXX XXXX  any money. I have a fraud alert and freeze on my consumer reports for a reason. 

I have attached the FTC report AGAIN that Equifax claim they never received and clearly they can see XXXX  XXXX  was listed on the report filed since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint reporting 60 days late in XXXX. This was never late. 
The payment was made just was never transferred from previous mortgage company.
Product: Student loan

I dont have all the dates, but from around XX/XX/year> I started working with MOHELA XXXX qualify theXX/XX/XXXXXXXX XXXX XXXX I called multiple times ( check recordings ) and was told to qualify I needed to consolidate my loans and apply for XXXX XX/XX/XXXX. I was hesitant to consolidate my XXXX because my existing loan interest rates were lower and I had them at those rates for over 10 years. Hesitantly, on a wing and a prayer, I consolidated. Now my interest rate is higher, no loan forgiveness, available from XXXX and XXXX feel completely duped, scammed and will have an even longer time to pay it off forever until I die. XXXX XXXX. This is devastating. Doesnt the PAVE contract I signed count for anything? There is information in the fine print that talks about loan forgiveness and how it will be applied.
Product: Prepaid card

XX/XX/year> I rented a cash car rental from someone who was indisclose and used cash app to pay the individual supposedly name XXXX the owner. I was paying XXXX for weekly Rental and XXXX for deposit, total XXXX. Paid via cash app. XXXX on XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and lastly XXXX total of XXXX. I was stalked by a few individuals I did not know the whole time and was approached at a local gas station by a man I did not know, I am a woman, when my husband approach this person to ask him why are you trying to get to my wife, he presented his XXXX and told me he was the owner of the car and he had stalked me for over XXXX days and said I was not late on payment but XXXX XXXX says he has to take XXXX additional for payment each week. This person STALKED ME AND MY DAUGHTER EVERY WHERE WE WENT. On XX/XX/XXXX this person had XXXX individuals by the name of XXXX and XXXX to Stalked me to my home and took the vehicle away. They refuse to return my deposit of XXXX. There is no type of service to these vehicles. They are using the track system to ILLEGALLY STALK PEOPLE. Taking the product back after you pay for it and not returning the deposit that should be held not collected and return back. Scamming people and Cashapp is allowing it. And he is making people pay his taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX