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

When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is an account on my credit report listed as a COLLECTION account with this company. I do not know anything about this account and it is NOT my account. I have requested a copy of any and all contracts that they have possession of in order to dispute the documentation. This is IDENTITY THEFT and FRAUD. I have NO CONTRACT with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts is reporting {$2800.00} as a collection account due to a charge off from XXXX XXXX. I have been paying $ XXXX/monthly to this Dr office and was not told until last week that they are a separate entity. One that is not on my provider list for insurance. I have not received a bill so assuming the {$100.00} was taking care of any outstanding balance due. I should not be held liable for this as a collection item and would like it removed from the 3 credit bureau agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.
Product: Credit reporting or other personal consumer reports

in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give Transunion, XXXX nor XXXX written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX  XXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX  # XXXX {$2800.00} XXXX now {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights is XXXX per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See XXXX, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Vehicle loan or lease

I financed a used vehicle through TD Auto Finance on XX/XX/XXXX. I refinanced my loan with TD Auto Finance  and my new lender, XXXX XXXX XXXX XXXX sent them a check to payoff the balance on XX/XX/XXXX. XXXX XXXX XXXX posted the check to my account to pay off the loan and then removed it the same day, XX/XX/XXXX. They then auto debited my account for my regular loan payment on XX/XX/XXXX when the loan should have already been paid off. 

I called XXXX XXXX on XX/XX/XXXX to find out why they pulled a payment from my account and was told that the payoff check bounced. I called XXXX XXXX and they informed me that TD Auto never attempted to cash the check. 

I called XXXX XXXX  on XX/XX/XXXX and was told by another person that someone wrote the incorrect account number on the check and that they couldn't apply it to my account. I reached out to XXXX XXXX and they provided me with copies of what was sent to TD Auto Finance and there was no account number listed on the check. 

Called TD back and they stated that the check was " in process '' now that that I had to wait XXXX days for it to hit my account and reflect paid off. I was told to call back on XX/XX/XXXX if it still wasn't showing paid off. 

Gave birth on XX/XX/XXXX and waited until XX/XX/XXXX to call them back. Called TD on XX/XX/XXXX to check and they said oh, the check was damaged. Spoke to a supervisor who then said that the representative was wrong and it wasn't damaged. That I just needed to have XXXX XXXX send over a fax directing them where to apply the funds. All XXXX sent the fax directing them where to apply the funds on XX/XX/XXXX. 

I called on XX/XX/XXXX to confirm it was received and was told they received the fax but that I now had to wait an additional XXXX for it to be processed and that they could not put a rush on it. 

Called back on XX/XX/XXXX and was told that the check could not be cashed because it was damaged and that it must have gotten wet during transit and they could not read the account number on the check. 

I was then forced to refinance my refinance with XXXX XXXX and have then deposit the funds directly into my checking account with them. Once I received those funds I scheduled a payment with TD Auto Finance and paid off the loan. 

Due to their negligence I ended up paying over {$800.00} in additional interest on this loan. 

TD Auto Finance finally posted the payment to my account and my loan with them has been paid off since XX/XX/XXXX. I was told it would take XXXX days for them to issue a lien release. 

Today is XX/XX/XXXX and they have still not provided a lien release for my vehicle. All XXXX has called and requested it 6 times and today is the XXXX time I have called them to request it. 

They said that it will take another XXXX days to process.
Product: Credit reporting or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 
\n When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 
XXXX XXXX Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : \n \n 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 
XXXX XXXX permissible purpose. 
XXXX XXXX have remained humbled despite the XXXX XXXX XXXX XXXX thee XXXX credit reporting agencies have done to me.
Product: Mortgage

XX/XX/XXXX Verified complaints against Wells Fargo Mortgage Re : loan number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX Plaintiff : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX You sent me a letter with a projected loan balance as of XX/XX/XXXX in the principal balance amount being XXXX your court records indicate a different amount being XXXX did you forget to credit my payment made cash paid on XX/XX/XXXX specifically in reliance to the principal deposited at your XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX. In Addition to that amount did your also forget to Credit me for the balance of the monies that your bank kept in escrow from the insurance Company the amount was over XXXX in relevance to Hurricane Wilma during the conception of time on/or after XX/XX/XXXX .more than 11 years ago. 

Did you notify or advised the appropriate authorities knowing that after Hurricane Wilma the insurance company that you contracted under forced placed insurance only disbursed XXXX which is less than half the amount of money that was necessary to repair the accrued damages that occurred on and in my property that exceeded XXXX worth of damages per FEMA estimate of damages consequently involved during the activities you were well aware of. Your actions placed me in a forced position to make a secured loan against my property in the amount of XXXX with the US Small Business Administration to repair damages that your insurance company was responsible to pay for but didnt. 

Further from XXXX to XXXX you have forced placed inflated unlawful hazard insurances On my property and I reserve the right to claim all those charges against you. 
XXXX XXXX XXXX. 
Wells Fargo Forced Placed Hazard Insurance Lawsuit Lenders often require that borrowers purchase hazard insurance on their property to protect creditors from situations in which an uninsured homeowners property is damaged. Most mortgage contacts allow banks to purchase this insurance at the homeowners expense for a fair price. The Wells Fargo forced placed insurance lawsuit was filed on behalf of borrowers who have allegedly been overcharged for homeowners insurance to the hidden financial benefit of the bank and its subsidiaries. hidden financial benefit of the bank and its subsidiaries. 
Further allegations against Wells Fargo include backdating the forced hazard insurance to the date the homeowners policy expired and threatening to retaliate against those who come forward with a lawsuit. Each of these practices is allegedly illegal and may create an unnecessary financial burden on individuals and families who may already be struggling financially. 



I submit this serious active complaint before the authorities involved and notified XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern : Our complaint is about Chase bank. We tried to make payments towards our balance to Chase Bank XXXX XXXX, 2012, but they would n't except the payments. Chase Bank expected us to make the full payment of {$21000.00} in which we did not have. This amount would have been the remaining amount due towards our 30year mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WFDS/WDS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account and inquiry listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization.

The fraudulent account and inquiry are as follows : Account : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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.
Product: Debt collection

A complaint was filed against Procollect back in XX/XX/2020. I received a letter stating the account would be deleted from my credit report. Although, I paid the account in full, it is still being reported monthly on my account and still has not been removed! I was told it may take up to 90 days. It is well beyond 90 days, Pandemic or not.
Product: Checking or savings account

I have requested a name change on my Cash App account per a legal name change that I have recently done. I have provided all the requested legal documents to Cash App to process this request. To date I keep getting the run around and lack of assistance from the company. A case has been created and is pending but has not been resolved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost credit personal data in data compromise attacks. 
XXXX XXXX - contacted Equifax and placed credit freeze. 
XXXX XXXX - logged ticket with CFPB to document.
Product: Checking or savings account

I am trying to get my money from Capital One Bank since XX/XX/2023. 
The Bank is holding my money for no reason. I have asked that the bank close my account but they have refused. Yet, I can not withdraw my funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Money transfer, virtual currency, or money service

I have a cash app account under XXXX XXXXXXXX & XXXX XXXX tag is $ XXXX they closed the account after 10 min of me opening it, I have tried to gain entry into the account and can't. I have verified all questions but they keep saying can't verify info all I want is to cash out never to use cash app ever and what's so bad about it that it's only {$20.00} in it but they've had it for almost a year now all I want is a cash out
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Payday loan, title loan, or personal loan

**Applied for and was approved for a personal loan a total XXXX **In the granting process I put up a vehicle title **I made regular timely payments monthly **I walked into the financial loaner with an outstanding balance owed - XXXX **I made a substantial pay-down to the balance with XXXX remaining very minimal outstanding balance XXXX **made repeated requests and pointed out - the XXXX XXXX holds greater collateral then that of the small personal loan remaining of XXXX **repeatedly requested they renegotiate the loan, release the title, lower the interest
Product: Credit reporting or other personal consumer reports

XXXX XXXX- {$1800.00} XX/XX/2024 sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX- {$8700.00} XX/XX/2024, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/2024 sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/2024 sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.