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

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on these accounts I listed in my letter. I also attached the letter I sent out. 

According to the FCRA term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts is still not reporting 100 % accurate. according to the FCRA 15 USC 1681, everyhting has to be 100 % accurate. It is not fair that these credit bureaus can keep inaccurate information on your credit report and not be held accountable.
Product: Vehicle loan or lease

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX I came to the dealership to purchase a vehicle and they told me they would try to find financing so I waited and sent them all my personal information. The finance manager also asked me to remove the fraud alert from my credit report because he couldn't find financing without it removed which I thought was a bit skeptical. I removed it thinking he would find financing they did a total of 6 Hard Inquiries on my credit report until one day the car salesman calls me and told me when I was going to pick up the car that it was ready. So I went over there and then the dealership did not want to release the car because they told me that they needed a XXXX down payment or the bank would not finance the loan. I was thinking I was going to finance it with my own bank but they used high pressure sales tactics and didn't allow me to use my own financing. I was told that they couldn't give me the car knowing that XXXX XXXX had already paid for the car in which I did not find out until 6 days later when XXXX XXXX mailed me the first car payment stub. So here I was thinking that everything was going to be ok because the General Manager told me that he would reverse the transaction and if not then it would just show on my report as paid. I thought to myself this can't be right because the vehicle is still registered and paid under my name and he kept telling me that the car was never paid for. I knew this was a lie but gave him an opportunity to fix the situation. So here we are now XX/XX/2019 and the car starts reporting on my credit file on XXXX. Now I am getting a little more concerned as to what is really going on with the vehicle knowing that I am being billed and I called XXXX XXXX XXXX which is with XXXX XXXX and they stated that the car was paid under my name and they issued a check for the amount of {$26000.00}. So they got paid under my name and then resold the vehicle 2 days later knowing that they were paid they should have released the vehicle the bank stated to me over the phone in which I have the calls recorded and advised them that I would be recording them for legal reasons. So I asked the General Manager what we would do about the situation and he stated he could not get the vehicle back but he could possibly pay the bank back with the companies check in which I thought was also a bit fraudulent. I have hired legal counsel to move forward with the matter so that I can make sure all of this is resolved fairly and I can move forward in purchasing a vehicle elsewhere.
Product: Debt collection

on  XXXX / XXXX / 2017  I mailed a certified letter t o Syndicated Office System Tracking #    XXXX  They have left notification for company information was not picked up and return to me.     I am asking for back up for this debt - I will not pay without back up outling all of the details. No response Can you please reach out for information and back up needed Or remove from my credit report.     I have attached the tracking information & letter sent
Product: Checking or savings account

On XX/XX/2022, charges were made on my TD Bank debit card account ending in XXXX in the following amounts by a company called XXXX : {$480.00}, {$500.00} and {$100.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on two credit cards of mine. The company name changed once it processed on the bank statement to XXXX XXXX XXXX XXXX XXXX. 

After one of the credit card companies called me to inquire about what appeared to be fraudulent activity on my credit card with them, I checked my bank account online and saw fraudulent activity as well. I called TD Bank immediately the morning of XX/XX/2022, to report these unauthorized charges. The representative confirmed she would put a hold on my debit card and she assured me I would be notified that once the transactions were posted, TD Bank would contact me with an update. The reference number is : XXXX. I have not heard from TD Bank fraud department to date. 

On XX/XX/2022, I went to TD Bank located at XXXX XXXX XXXX, XXXX XXXX NY XXXX, and spoke to a representative named, XXXX. He issued me a new debit card and assured me I would hear from the fraud department within two weeks. I have not heard from anyone at TD Bank unless it is me calling to which I am told that I will hear from them. 

It has been over a month since I asked TD Bank to reinstate my money into my bank account that was removed because of these fraudulent charges. Please note when I was at the bank getting a new debit card, the {$100.00} charge was removed before posting to my account. 

Thank you!
Product: Mortgage

On XX/XX/XXXX, I called the mortgage company ( Lakeview Loan Servicing LLC ) regarding my bill because of a late fee  charge and Lakeview Loan Servicing LLC told me that I did not pay the full amount. Lakeview Loan Servicing LLC received {$1700.00} in XX/XX/XXXX for XXXX mortgage payment. I asked Lakeview Loan Servicing LLC if they can apply the amount that I paid to them to my Principal and Interest but they declined, stating that I did not make the full payment. Lakeview Loan Servicing LLC informed me that there was a {$610.00} shortage in my escrow. We could not complete the phone conversation because the phone got disconnected. I called back the next day and told XXXX XXXX XXXX XXXX that I would send a check for the escrow shortage and the escrow shortage was received on XX/XX/XXXX. I called back on XX/XX/XXXX to verify why my XXXX was still not applied. Lakeview Loan Servicing LLC informed me that they did not get the  complete payment of {$1700.00}. On XX/XX/XXXX I sent a check of {$500.00} to the escrow account so that it would reduce my monthly payment. I called back on XX/XX/XXXX to verify that Lakeview Loan Servicing LLC received {$500.00}. Lakeview Loan Servicing LLC indicated they received the check but it is still pending. I explained to Lakeview Loan Servicing LLC that I would like my monthly payment to be reduced since I sent an additional {$500.00} to the escrow, but Lakeview Loan Servicing LLC said that it is not possible to apply that to reduce my monthly payment, because according to Federal Law, I am unable to add any more money to my escrow account. I asked Lakeview Loan Servicing LLC to take the balance from the {$500.00} to complete XXXX payment, which is {$250.00}, and refund {$250.00} back to me. They indicated that in order to do that, I have to submit my bank statement to show proof that the money was cleared from my bank. On XX/XX/XXXX I emailed both my bank statement showing the {$500.00} and a copy of the check for {$500.00} that was paid to Lakeview Loan Servicing LLC. I received an automated email response with a ticket number stating that my request has been forwarded to the appropriate department and to use that ticket number for further communication regarding my request. I have called Lakeview Loan Servicing LLC twice today, XXXX, XXXX XXXX. First at XXXX then at XXXX, and I received an automated message of their unavailability. However, Lakeview Loan Servicing LLC 's normal business hours on a weekday is  XXXX. It appears that Lakeview Loan Servicing LLC is  avoiding my calls. The reason I am contacting you is that I have been trying to fix my mortgage account but I am getting the run around and it is getting very frustrating.
Product: Bank account or service

Hello, I need your assistance as these banks are misleading people with information. I ask Bank of America on more then one occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something " XXXX ''. I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX TO Whom this may concern, Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER. 

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EQUIFAX any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose.

EQUIFAX did not RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a ( 4 ). EQUIFAX sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

Under 15 USC 1681c- Requirements relating to information contained in consumer reports.

EQUIFAX included a MEDICAL BILL on my consumer report which is a violation of 15 USC 1681c ( a ) ( 6 ) AND ALSO PRESENTS A HIPAA VIOLATION I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED. I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EQUIFAX TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX - ACCOUNT # # # # XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX {$180.00} 4. ANY OTHER XXXX PARTY COLLECTIONS I would like to state that pertaining to 15 USC 1681 ( a ) that the banking system id depended upon fair an accurate consumer report. BY EQUIFAX VIOLATING LAW, it has cause me to lose confidence in the banking system. 

IF EQUIFAX WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY XXXX XXXX XXXX.
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, MI XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To Whom It XXXX Concern, I am writing regarding my Navient Student Loan, which was assumed from XXXX XXXX XXXX in XXXX, when the student loan unit was sold. In XXXX, a XXXX XXXX Representative talked me into consolidating XXXX loans ( 1 XXXX, 12 XXXX loans, and 8 XXXX loans ) into one loan under the pretense that my loan payment would be lower. 

However, the interest rate of the consolidated loan was over 9 % and has remained between 8 % -9 % for over 22 years. 

Additionally, I received a {$20000.00} Student Loan repayment bonus from the U.S. Army that was applied to the loan. Over the years, despite how many payments I have made, the consolidated loan total has not changed because of the absorbent interest rate that kept me in the same place. 

I contacted Navient many times requesting to be added to the income-driven repayment but was selected for a forbearance instead. Also, I believe my payments were mismanaged, especially since the Army paid {$20000.00} towards my loan and my balance is still over {$16000.00}. 

I would like to request that my loan be considered for discharge. I am a U.S. Army XXXX ( Service Connected ) Veteran and I believe some of my paperwork was lost in the process of the consolidation. I believe XXXX also mismanaged my loan ; however I submitted a CFBP Borrower Defense Claim ( # XXXX ) in XX/XX/XXXX, and it was denied. 

Most of the loans that I consolidated were federal direct subsidized or unsubsidized loans that are now consolidated into a variable rate private loan. 

Additionally, XXXX is one of the schools accused by the Federal Trade Commission of misrepresenting its job and salary outcomes through ads. The university also settled with the XXXX Department and borrowers. 

Thank you, XXXX XXXX XXXX, Illinois
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Im in the middle of a major purchase and bam a XXXX debt shows that I never purchased with no letters or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.
Product: Money transfer, virtual currency, or money service

I transferred money {$100.00} through XXXX via my bank Wells Fargo to someone who was supposed to give me tickets, they scammed me and went silent right after I sent the money. I called Wells Fargo, and they said they could not do anything to help me. There is nothing safe about XXXX, and if it is backed by your personal Bank they should be able to stop fraudulent payments especially if they have access to the other users bank information, I called Wells Fargo 5 minutes after I realized what happened. 

XX/XX/XXXX is the date of the incident Confirmation # XXXX {$100.00} in payment is what was fraudulent I called Wells Fargo to ask for help, they said they could do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my USAA account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!
Product: Checking or savings account

My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.
Product: Credit reporting

I have disputed this credit report with all XXXX credit bureaus previously. It was removed, after the corporate office contacted me and it was proven that I did not owe {$51.00}. This company has attempted to add this to my credit report several times ... and each time it has been proven I do not owe the balance. XXXX has contacted myself and this collections company to state the balance is invalid. Each time this has been disputed it has been removed. I want this company to stop placing invalid items on my credit report. I want this collection removed from all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian was notified this was fraud and never did proper investigation to get this removed off my report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share Dates of Late Payment : XXXX XXXX, XXXX XXXX On XX/XX/2024, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Experian has to remove those late payments from me because it has no evidence that indicates those late payments and it also has errors and inaccuracies. In addition, the only bureau that is reporting me negatively is Experian and by law they must remove it from my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.
Product: Credit card or prepaid card

On XX/XX/19 I received an email from CapitalOne stating " Your {$500.00} cash back bonus is ready and waiting-and full of potential. Redeem Now '' It  listed the last four digits of my account. Further down it said, " Redeem for cash. Lower your account balance or get a check. '' So I called to redeem and spoke with both a customer service rep and a supervisor who both told me the email was an error and would not honor it.
Product: Credit reporting or other personal consumer reports

M & T Bank is reporting on my credit file that Im behind on payments for the loan of my XXXX XXXX I sold the XXXX back in XXXX XXXX XXXX. They have received payment from the buyer and yet they are still reporting it open and that Im behind XXXX months. It is destroying my credit score. They still have not closed the account.
Product: Credit card or prepaid card

Did not ask for and do not want a Cap one credit card