23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

During the COVID-19 pandemic, I attempted, multiple times, to request any possible assistance related to my payment. Each time I was denied any information or assistance whatsoever. Once I fell behind on my payment, the aggressive tactics began. Repeated calls from multiple different numbers, most of them from different states, and each one escalating in threats of repossession of the vehicle. During the entirety of me having the vehicle, I repeatedly offered to pay whatever I could afford, even if it wasnt the full amount. Each time I was denied in an angry manner. Once I was no longer willing to fight the company anymore, I voluntarily gave the vehicle back. They spent more than 2 weeks attempting to get me to keep it for more charges. I refused and continued to beg them to come get it. Then after they sold it at auction, they now want me to pay the difference. I have paid them back the amount that I borrowed originally. The rest is all due to extreme and unnecessary fees.
Product: Debt collection

On XX/XX/XXXX check number XXXX for {$150.00} was mailed to Portfolio Recovery Associates with a letter asking that the account be removed from my report upon receipt of the funds of the check presented. 

On XX/XX/XXXX Portfolio Recovery Associates updated their website to show a payment of {$150.00} was made. 

On XX/XX/XXXX check number XXXX for {$150.00} was presented for payment to XXXX XXXX XXXX ( My personal bank ) Between XX/XX/XXXX and Today, the account has for some reason reverted to a balance of {$150.00} and I have tried numerous times by filing disputes with the credit Bureau 's to sending letters directly to portfolio recovery to have this rectified. They continue to only provide me with proof that the original account is valid, not that the balance is valid. 

On XX/XX/XXXX I mailed a final dispute letter to Portfolio Recovery by XXXX ( Tracking #  XXXX ) which was delivered on XX/XX/XXXX at XXXX EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Equifax XXXX and XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name XXXX XXXX XXXX Account number XXXX ....
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I purchased my car for XXXX with a check for {$50000.00} from XXXX XXXX. The loan amount for the car was {$37000.00}. On XXXX XXXX I filed a XXXX with the IRS which was accepted and sent to the XXXX XXXX for ( Aquisition or Abandonment of secured property ). I recently filed a XXXX to discharge the debt. On XX/XX/XXXX my auto loan was made to " Now Current '' and on XX/XX/XXXX all my payments were changed from " Late '' to " on time payments ''. Now the auto loan has been placed as a charge off and according to 31 USC 3104 this debt has become a Certificate of Indebtness. The Fair Credit Reporting Act, 15 USC states it is illegal to report inaccurate transaction history. This debt is now charged off and income can not be reported on credit reports. I hired a company in Delaware to do a UCC-11 search. I have sent XXXX XXXX XXXX complaints stating my rights to my vehicle and demanding they mail my title free and clear to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and to place my payments they received from the federal reserve window ( being that they are my security transfer agents ) into my Treasury Direct Account. These actions are unlawful unacceptable and against the Banking XXXX of XXXX. The IRS has also been contacted to remove their POA with form XXXX and XXXX. I have also filed Bankruptcy under chapter XXXX due to hardship. I will be sending in the paperwork directly to XXXX XXXX to put them on notice.
Product: Credit card or prepaid card

To the CFPB : On XX/XX/18 I was notified via email that American Express Serve had closed my re-loadable prepaid account, which had funds totaling {$990.00} remaining in the account. I attempted to login to my online account to withdraw my remaining funds, however, my online account was deactivated, preventing me from accessing my funds. I then called American Express Serve customer service and was informed that the account was indeed closed by the issuer, and also that the funds had not been refunded to the original payment methods or issued to my mailing address via check. I then requested to speak to a supervisor to assert my rights to have my funds promptly refunded to me. The supervisor proceeded to tell me that she is unable to do anything and that another representative will need to get back to me sometime at a later date, meanwhile American Express Serve will be holding onto the funds. I expressed my dissatisfaction with that response and requested an exact timeframe for the refund and for when I would be contacted by the next representative, but the supervisor did not provide a timeframe or provide tangible steps for when the refund would take place. I am seeking the CFPB 's assistance to have my funds returned to me immediately in response to this illegal and unethical confiscation of my funds totaling {$990.00}. 

American Express Serve is a reloadable prepaid account. One of the participating retailers where customers can load their account is XXXX XXXX. In compliance with the terms and conditions of the account, I loaded {$490.00} ( via Visa card ) to my account on XX/XX/18 at XXXX XXXX and then loaded {$490.00} ( via Visa card ) to my account on XX/XX/18. In both instances the transactions were successfully approved at the cash register, and I also received confirmation emails from American Express Serve confirming that the loads were successful and that the funds were in my account. I completed my transactions at a participating retailer using a permitted payment, yet American Express Serve unilaterally decided to immediately close my account and not allow me to withdraw my funds. As of approximately XXXX XXXX EST on XX/XX/18, American Express Serve has closed my account, prevented me from accessing my account to withdraw the remaining funds totaling {$990.00}, and has not issued a refund of my funds or provided an exact timeframe for when the refund will be received. Additionally, I have reviewed the transaction records for my Visa cards ( which were used to load the account ) and have verified that the funds were successfully transferred to my American Express Serve account. In sum, American Express Serve is currently holding onto my funds and not returning them to me ( despite my requests ) which I believe constitutes theft and is egregiously illegal. I am seeking the CFBP 's assistance to investigate this matter so that I may receive my {$990.00} immediately.
Product: Checking or savings account

Hello, I deposited {$5000.00} to CD in Wells Fargo 10 years ago. I have a proof - certificate of my deposit. I tried to take the money back but they say that they have no records of my account. I went to the branch and they said the same thing. They basically stole money from us. I have read the article from the newspaper and they are doing it to lots of people. What is being done about this? Are we going to get our money back? People responsible for this should go to jail. 

I would like to file an official complaint against Wells Fargo. 

Thank you so much for your time
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : per the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I tried to call all the numbers associated with Experian today XX/XX/2024. I called XXXX and XXXX XXXX with the same request and had no problems from them making the corrections. But the presentative from Experian would not honor my request. When I called all the number listed with Experian, they all are impossible to speak with a representative and all access is totally impossible to get through to anyone. They most start with some form of solicitation of which is totally frustrating and a clear violation of conflict of interest. I would think they would know the laws just past would put them on notices in how vulnerable their actions are to consumers. I also went on the website which is not user friendly at all and had a very complicated virtual conversation with a representative that refused to honor my request of making the corrections that requested, as I did with the other agencies. I told them a lot of the information was inaccurate and they kept saying that it wasn't. I told them due to the inaccuracies I have been subject to fraud and would not put the accurate information I requested. I am formally requesting my correct name, current address and employment status be the only things on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure why i keep getting the same parrot information from the XXXX, EQUIFAX, AND XXXX  that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX  revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX at XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX  accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I initially had a payday line of credit for {$2400.00} from XXXX, which I mistakenly maxed out within 1 year. But as it stands now my payment is {$280.00}, with {$240.00} of that going towards interest, which is blatantly outrageous. So I stopped making payments but would be interested in some type of agreement with the company to drastically reduce the interest rate, so that I can afford payments with paying an acceptable portion going toward the balance, and not the outrageous interest rate that I was previously paying. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX. I noticed that on my XXXX XXXX account the loan with Wefinanceinc that I Co signed for my son was not showing the last three months of on time payments. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted XXXX  to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager Wedinaceinc. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a delinquent loan on my credit report stating that I had a {$390.00} balance for Affirm. Im confused because I have not used Affirm at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this Affirm account and I did not use it to purchase anything.
Product: Prepaid card

I received this AMEX gift card earlier this year. The first purchase I attempted to make was paying an internet bill. The purchase was successful, however, I paid it to the wrong account, and needed to get a refund. This is where the trouble began, they let me know it would take XXXX days for the refund to be processed. When I checked back in, the refund showed as declined. I reached back out to Amex to see what the issue was. They let me know they resolved it and I should see the refund in another XXXX business days. When the status of my refund did not update, I reached out to the merchant, and they let me know that they had already processed the refund, but it was declined by the card issuer. At this point, it's been about XXXX months and I've received no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed there were 2 fraudulent accounts on my credit reports with all three bureaus and contacted each bureau to clear this issue up. XXXX and XXXX XXXX fixed the issue rapidly and on XX/XX/XXXX, I placed a fraud alert on all three bureaus. I submitted the requested documents to Equifax as well and on XX/XX/XXXX, Equifax removed and deleted the unauthorized 2 fraudulent accounts in my name. However as of XX/XX/XXXX, I refresh all three credit bureaus and noticed that Equifax put the 2 fraudulent accounts back on my credit with their bureau. XXXX and XXXX XXXX did not and have blocked these 2 unauthorized accounts successfully from my credit reports. I have given Equifax more than 30 days to clear this situation up and now it has been over 60 days since requesting Equifax remove and delete the 2 fraudulent accounts AGAIN and I have gotten zero response from them. I am filing a complaint with the Consumer Financial Protection Bureau to get rapid assistance as this is affecting my lending needs as a consumer because these fraudulent accounts that do not belong to me are lowering my lending needs from banks. I have paid to my credit monitoring accounts over {$500.00} to refresh my credit and have seen no results on Equifax 's end.
Product: Debt collection

XX/XX/XXXX : I began receiving calls from Santander ( they didn't tell me the name of the company then ). The caller told me that I had a debt and that I would be served to appear in court if I didn't make payment arrangements immediately. I told the caller I needed to research the source of the debt. He called back within a week ( same person ) and I told him that I don't owe anything and that they should stop calling me. He kept insisting that I was going to be sued and that the next day a process server would show up at my door. 

XX/XX/XXXX : My brother received a call about my debt, which he forwarded to me. I called them and told the person who answered ( different male ) that I didn't owe on the debt and that they needed to stop calling me. He told me that they'd keep calling until I paid. 

XXXX - XX/XX/XXXX : Received 4 more calls to my cell phone and one to my work number, still insisting that I was going to be served if I didn't pay or agree to settle the debt. I called again and asked them to leave me alone. The woman who answered was rude and kept telling me that I can't avoid this debt. 

XX/XX/XXXX Received this e-mail from Human Resources : Hi XXXX, Our HR Offices have received a message that was requested to be passed on to you. 

XXXX & XXXX XXXX are trying to reach you regarding service of some sort of documentation. They request that you contact them at XXXX and reference case # XXXX. 

This is the only information that they provided us with. 

XX/XX/XXXX I called the number and the man on the phone was horrifically XXXX XXXX XXXX to me. I asked him politely for the name of the company and he refused to tell me at first. I asked for the address to send a letter to stop contacting me and he told me that he wasn't going to give it to me because I wasn't going to be able to avoid paying this. He asked me if asking for the address was the next step on the avoiding my debt checklist. He called me a " XXXX  who owes money '', a " XXXX  '', told me to get a higher paying job, made a point of using the name of my employer, my XXXX XXXX XXXX  name and my home address while insulting me. 

He refused to give me the address for Santander and it was only after I asked several times that he finally told me the name of the company. I reminded him that there are laws about debt collection and he just can't keep contacting me after I've asked him to stop. He kept telling me that they'll continue to contact me until I pay this debt. 

I'm confident that I don't owe them anything. The time limit has long since run out. Regardless, no one has the right to XXXX  me over a debt. I don't want to hear from them again. I'm willing to sue if necessary. 

Please help me. 

XXXX XXXX