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

company is continuing to wrongfully verify information on consumer report sepiste numerous requests to validate every account thats reporting. That is my right as a consumer to know exactly what is being used to prove the accuracy on the account. I have tried to handle this account numerous times but I have been left with stall letters and in some cases flat out ignored. These companies are abusing us as consumers and not being held accountable. 

copies of letters and info will be provided
Product: Checking or savings account

Hello, it has been brought to my attention that CFPG has found that Bank of America was in violation of the law for processing illegal, out-of-state garnishment orders against customers bank accounts and that is exactly what has happened to me. I am inquiring to find out what my rights are and how I can request that these illegally seized funds can be lawfully returned to me. Please provide me with any direction/guidance as to how to proceed to ensure that my case is considered and included in this case. 

Thanks so much, XXXX XXXX Washington XXXX DC
Product: Credit reporting or other personal consumer reports

We are disputing the inaccurate of the information reported by Ally Auto Financial on my/and my daughters credit report. The reporting of six months of late/missed payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and unfair. 
This is a joint account held by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The account was included in a XXXX XXXX XXXX filed solely by XXXX XXXX XXXX ( XXXX # XXXX ), which was fully discharged on XX/XX/2024. Importantly, XXXX XXXX XXXX was not part of the bankruptcy proceedings and has remained committed to making payments on this account. 
Despite multiple attempts via phone and through legal counsel to make payments, Ally Auto Financial declined to accept them until XX/XX/2024, when they finally agreed to accept payments via mail. The reporting of these payments as late on XXXX XXXX XXXX credit report is both inaccurate and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected MY RIGHTS.
Product: Debt collection

I had XXXX  and got a loan from XXXX. I fell behind and the loan went into collections. After some time I forgot about it. I tried to call them when I ran my credit and saw it. The redirected me to speak to sequium. I called them and paid my debt. They have not updated this on my report. I received a letter from them but when I call them and XXXX I keep getting the run around. Im trying to obtain a mortgage loan and because this is not updated I am having problems. I dont know what else to do.
Product: Debt collection

This regards the following institutions : XXXX. IC system/ XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX ( this was on the letter head ) 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX, phone XXXX I received a letter from XXXX or the other of these ( XXXX addresses were on the XXXX of the letter ) for an outstanding bill from XXXX of {$21.00}. There were 3 options, the first of which was to use their website : XXXX. I went to this website and was given the choice of giving a credit card or paying by check. I chose the first. After filling out the entire application to pay ( requiring several pages ), I was told that, instead of using this method, I 'd have to call the XXXX [ XXXX ] number. So I called. 

What followed was a series of attempts to get me to 1 ) buy a medalert system, 2 ) buy a {$10.00} discount card and 3 ) buy a {$100.00} dollar discount card or 4 ) buy into a 'cruise ' that would probably cost me hundreds of dollars. When I declined all of these, they automated system hung up. I went through this whole XXXX twice, just to be sure the first time was n't a fluke. t was never allowed to pay the bill, neither online nor by phone. 

I have n't tried the 'pay by check ' option, nor will I, because I 'm quite certain that XXXX are bogus. It 's clear to me that this is simply a scam to get people to buy these worthless products and there is no intent to help the people pay the outstanding bill. 

Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.
Product: Debt collection

Please see this letter as my third attempt at writing you in response to your decision to close the dispute investigation for inaccurate accounts. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 

To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 

Therefore, Im demanding that the following items be DELETED from my consumer report/ credit report immediately. 

XXXX XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX -Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. )
Product: Mortgage

According to the response received on XX/XX/XXXX, from XXXX XXXX, complaint XXXX, you disputed my claims. You stated that an analysis was performed on XX/XX/XXXX, and from that analysis I had an overage. If I had an overage why was my mortgage payment increased from {$1000.00} to {$1100.00} beginning XX/XX/XXXX? In addition, how could an overage have been determined when my Property Tax had increased in XXXX to {$2800.00} due XX/XX/XXXX, and my insurance increased to {$1900.00} due on XX/XX/XXXX, none of which has been paid! This is a total of {$4700.00} due each year. When the money was taken from my Escrow, that left a balance of {$2300.00}, with a shortage of {$2300.00}, with only {$390.00} going to Escrow a month. The only reason that money was removed from my Escrow was to give XXXX XXXX cause to increase my mortgage payments, which you have consistently done for the past 2 years. The {$800.00} I added to my Escrow was to prevent the mortgage payments increase and ensure that I had enough money in Escrow to cover yearly payments. The increases you have added to my mortgage is done to cause a financial hardship and me to lose my home. In addition, a reputable company would never remove money from Escrow to justify payment increases. An escrow is not to be used for a company to make money off their clients and cause them to lose their home, it is only used to make property tax and insurance payments.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are required to remove any incorrect accounts from my credit report. Please review the documents as some accounts are inaccurately reported, with wrong amounts and dates.
Product: Vehicle loan or lease

An initial complaint was sent to CFPB ( # XXXX ) regarding TD Auto Finance not correcting the address on my vehicles title ( so that I can update my car registration ) but still has been receiving payment monthly towards the car note. I have been having this issue for 4 months now and have been back and forth with TD AUTO, the XXXX, and CFPB. There are numerous amounts of complaints surround the same issue and what looks like a common problem at TD AUTO. 

( https : XXXX ). 

I received a fax of my cars initial title ( dated XX/XX/2017 ), but was advised by PA DMV that the copy is not enough. TD Auto finance stated that they sent the original to a local DMV in XXXX, but I was also advised that local DMV 's can not complete the transaction & that the title needs to be forwarded to XXXX . 

Several call have been made to TD Auto and the customer experience advocate ( XXXX XXXX ) to provide this information and to check on the status of my request ; but no success & recently all my calls have been going unanswered.
Product: Money transfer, virtual currency, or money service

I received a cashier 's check from Mechanics bank for {$1100.00}, this was the sum in my account after closing it. I tried to deposit their cashier 's check in my mobile deposit XXXX  account, and XXXX rejected their cashier 's check. I then took it to a check cashing business and they likewise couldn't cash it. I finally went to a XXXX Bank, where I would be charged {$10.00} for cashing it, but they couldn't cash it either! I called Mechanics bank XXXX XXXX to a representative, and they could only make excuses why these other businesses couldn't cash their cashier 's check. I want my money back!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency XXXX. I filed a XXXX complaint previously and consumer credit agency XXXX responded on XX/XX/2023. Consumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency Experian failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Product: Vehicle loan or lease

I financed a used XXXX XXXXXXXX truck. Had it for one month and the ac compressor went out, right when summer hit. I found out I was XXXX and was hit by a truck running the red light. Was in the process of getting the truck repaired and they offered no help or lead way with pausing payment until the vehicle was running again. I cant make the payments and pay a {$400.00} car note at the same time. They reproed the vehicle and then told me I would have to pay to get my belongings out the car mind you Im XXXX XXXX XXXX and had my kids clothes and things I couldnt get out. They sold the truck for way less than what they were making me pay and are now trying to force me to pay them XXXX and I didnt even have the truck for a year. I feel as though they preyed upon my vulnerability being XXXX and needing a vehicle to get back and forth to doctor appointments. I had my son early due to all the stress they caused and lost a very important job.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$80.00} ; XXXX XXXX Balance {$4100.00}
Product: Credit reporting

When trying to acquire my free annual credit report, I first went to freecreditscores.com and quickly realized that Experian was going to try to enroll me in a " Trial-membership '' if I asked for my report. I exited and learned I should go to XXXX. I entered the required information and ended up on the Experian site which offered a Credit score for {$1.00} and/or the free report without membership. I did not see anything about this trial membership at this point. There were other offers that were obviously paid offers. I paid the {$1.00} and received the Experian credit score but did not receive any type of receipt for my payment. ( but I did 7-days later for the {$21.00} ) Had I scrolled up the page from where it started, I would have seen the " Important Information '' about the trial membership. Also not included in the " Important Information '', is a statement at the very bottom of the page stating " ** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge. '' ( If you call their customer service and hear the sales pitch ) You have to scroll down past all of the graphics and ads to find this. No reason it should not have been included in the " Important Information '' directly and is clearly a deception. In the " Terms an Conditions '', membership is mentioned but no mention of an automatic trial membership and charge. I was on the look out for schemes such as this and was still duped. Experian should be dropped as a credit reporting agency and a part of the federal free annual credit report program. It is only a trap for a company that profits from the sale of credit information to third parties. That 's just my opinion. I hope you can stop this as this has gone on for years with a slap on the wrist.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CRREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAD 2 LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. THE CONSUMER REPRTING AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX  I AM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Product: Vehicle loan or lease

I have been making my payments on time and always communicated with Ally Financial in regards to the loan on my vehicle. I have noticed over the past few months finance charges are extremely high, approximately XXXX % of my total payment. When I confronted Ally they told me that I have a window I need to make the payment to reduce these fees. They cant not clearly explain the window, nor do they show the interest fees up front. Keep in mind, My payments are made on time, on or before the due date. Also, My account shows I have XXXX payments remaining but there is no accuracy to this because they keep charging me so much in interest. Also, the according their website, the outstanding balance is XXXX but it shows me as only having XXXX payments left which is XXXX my payment is XXXX a month and nothing is making any sense. They made no sense when explaining what is going on, and I feel like they are taking advantage of me. I need help, I need clear definition of what I owe and when ( specific dates ) payments need to be made to reduce these extremely unreasonable financing charges. My payments are on time. They claim to post the statement for the month 9-10 days before the due date. So even if I make the payment in that 9-10 days before the due date the interest rate goes up if I make the payment 30 days after the last payment even if all the payments are on time. This doesnt seem legal, please help!! I am a poor boy from West Virginia and I really cant afford a lawyer. they are charging me {$130.00} in financing charges on a {$350.00} monthly payment. So only XXXX went toward the actual balance meaning I would have to make XXXX more payments reach my total balance provided they continue to do my dirty like this. As I said before, the website shows me as owing XXXX more payments. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to XXXX. I have been actively disputing this with the credit Bureaus for months now. Upon talking to XXXX  on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the XXXX  representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXX Balance {$6100.00} XXXXXXXX XXXX XXXX Balance {$1600.00}
Product: Credit card or prepaid card

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Barclays Bank of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Barclays Bank is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Barclays has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Credit reporting or other personal consumer reports

I have spoken with representatives at Experian and received communication via email on my MyExperian account as Meets requirements of the Fair Credit Reporting Act. Experian has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the Experian line item LATE PAYMENT be excluded