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

On XXXX XXXX, 2022, I was at XXXX of XXXX ( AZ ) doing the paperwork to buy my leased vehicle off lease from XXXX. I was told by them that I must go the sales process in order to buy the vehicle. 
Prior to that scheduled date, I arranged for financing with a local credit union, and provided the approval letter from that credit Union ( XXXX XXXX ) to the salesperson, XXXX. She then took out about 15 or so documents for me to approve and/or sign. 

One such document was a Credit Application for XXXX, yet I told XXXX that I am not applying for credit through them, I already have a loan ready to go. She said, and I quote, " ... XXXX requires the buyer to complete and sign the form in order to buy the car ... '' Again, this is the car I have been driving on the lease for 2 years, which I am now buying ) XXXX asked me what the XXXX was offering in rates and terms, and I told her. 
Once we were done, she submitted all the paperwork to the finance team, and XXXX from finance called me into her office. 

The first thing XXXX presented to me was XXXX documents from Mountain America CU in Utah. I asked her what that was, and she said it was for the financing I asked for. I told her that I did not ask for financing, that i had already arranged for financing. 

However, since it appears that Mountain America is a partnered company, since they did the same thing 7 years ago when we bought a different vehicle from them. XXXX stated that Mountain America was a " much better company ... '' yet the rate and terms were identical to XXXX. I told her no, and she grabbed to two forms and shredded them. She was visibly angry that I did that. 
Had this been any other attempt to buy a car, i would have walked out. 

Now I have learned that Mountain America did a credit check, a hard inquiry, which now shows on our credit report. 

I never requested nor approved using Mountain America, yet I now have a hard inquiry on my XXXX report, which will remain for 2 years. 

I asked XXXX ( finance director ) at XXXX to work with Mountain America to remove the inquiry ( which negatively affects my XXXX score ) yet XXXX claims that they are powerless and Mountain America flat out said no, claiming that they would only do if their was a fraudulent application by a 3rd party. 

I have a family account with XXXX which covers all all of our accounts, allows locks and freezes. Yet we now learn that in order to lock our reports on XXXX XXXX and XXXX, we must join both of them and pay for an account. 

I believe XXXX misrepresented to me what the Application form would do, and I believe Mountain America should clearly remove the inquiry, since it was done without my request or approval Lastly, I feel it is wrong that XXXX and XXXX XXXX should allow me to lock my reports without paying them each over {$300.00} a year. 

thank you
Product: Debt collection

there is a charge on my credit report for XXXX from XXXX  XXXX XXXX i tried to file a dispute due ti identity theft but its still on my credit profile.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY SEEN A COPY OF MY REPORT AND WAS IN DISBELIEF WHEN I SEEN THE COMPANY BELOW REPORTING LATE PAYMENTS. I HAVE NEVER HAD ANY LATE NOR MISSED PAYMENTS WITH THIS COMPANY. I DONT KNOW HOW THIS HAPPENED. 

CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX I WAS NEVER LATE IN THE MONTHS OF XX/XX/XXXX AND XX/XX/XXXX. THIS HAS TO BE SOME MISTAKE ON THE COMPANY BEHALF. I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX CORP-Date of XXXX XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX
Product: Debt collection

I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem
Product: Credit card or prepaid card

I opened XXXX account with Comenity Capital Bank for XXXX Mastercard in XX/XX/XXXX, made one charge that month and paid balance in full the following month in XX/XX/XXXX. I've not used it since, and never received a card or statement. 

I've tried to close this card ; and instead am now g dunned for {$160.00} in fees for XX/XX/XXXX, which I was never billed. 

Comenity claims it sent me an annual fee bill for {$55.00} in XX/XX/XXXX, which I have never received. Comenity never sent me a bill, claiming it was emailed to me. They then claim this is now {$160.00} due to late fees. I never received any such original or subsequent bills. Checking with my service provider I've not received any bill by email ( not in trash, junk or other folder ). 

I asked them to close my account, which they say they'd already done ; but that the will not adjust a closed account. The supervisor XXXX in Customer Care ( # XXXX ) would also not adjust the account. 

I'm sending them the {$55.00} original annual fee, even though I didn't want the card in the first place. This kind of usurious behavior should be prohibited. Please put this in your Comenity Capital Bank file -- I'm sure there are many others with this same complaint! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Checking or savings account

I had a account with Union Bank since XXXX. In XXXX I opened up a XXXX XXXX XXXX. Sometime in XXXX my card was constantly red flagged with fraudulent charges. The solution to me realizing funds were illegally taken was to open a new account due to the fraud. After changing the account when going into a branch for money around $ XXXX was missing, unfortunately they said I had a merchant account and master card mumbo jumbo I couldnt get the money back. For the 3rd account I opened it as a personal with my checks reading separately XXXX XXXX XXXX XXXX XXXX  the same fraudulent activity began. Arguing with union bank there is no merchant service and I made sure to make most of the deposits in cash increments during the month let record reflect. I never got a resolution to any of this and lost a business generating up to $ XXXX in XXXX alone, my account was being mishandled after arguing and disputing many charges one in particular XXXX XXXX although was denied by Union Bank months later after receiving checks. During multiple disputes XXXX XXXX XXXX, XXXX, and many more fraudulent accounts continued to have a hay day at my expense. 

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

My father called this company to get this issue resolved as this number we NEVER had ... but my father passed away and now they are reporting it on my credit. The creditor is XXXX XXXX XXXX. They were unwilling to do anything about this after we informed them this was NOT our number.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to Trans Union requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

TransUnion, stated that this information would remain and they will not investigate any further regarding this issue.
Product: Debt collection

Received a call from a local number XXXX stating they were trying to serve me legal documents as I was being sued and needed to arrange a time for service. While on the phone I searched the XXXX XXXX XXXX 's website and found no lawsuit. This person gave me the case number XXXX and said I would need to call XXXX. I called this number and they advised they were with the XXXX XXXX XXXX XXXX XXXX in California and were calling because they were going to sue me for a Bank of America Credit Card debt from 2007 and that if I did not pay they were going to put a lien on my home. I advised that in Florida the debt is too old to file a lawsuit to collect that no lien could be placed on my home. He proceeded to yell that I wasn't paying my debts and called me a rat. While the representative 's demeanor and name calling is inappropriate the company is blatantly using shady tactics to make the consumer believe this is a real lawsuit being filed by calling from a local company and pretending to want to serve the lawsuit papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine filed to the ftc XXXX XXXX XXXX XXXX XXXX. 3 of them XXXX XXXX XXXX us dept of education XXXX  XXXX XXXX  use
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several.times to dispute my Equifax, XXXX  and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to XXXX  website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

Equifax does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXX Balance : {$3500.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

accounts and inquiries as well as incorrect personal information on my credit report that should be removed according to the F.C.R.A
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX  XXXX Balance {$10000.00} Date opened XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX, I was utilizing XXXX through my financial institution ( Santander ). I utilized XXXX in order to make a monetary transfer to someone I know. XXXX uses a given individual 's phone number in order to send money, this makes it unique to each person. 

I verified the intended receiver to have been both : - Registered with XXXX in their financial institution- Has the correct phone number associated with XXXX. 

Upon using the CORRECT phone number in order to digitally transfer the funds ( adding up to {$4600.00} ), the funds were sent to the incorrect bank account. In short, whilst inputting the CORRECT information, the funds were sent to some random, INCORRECT individual. 


I attempted to contact Santander customer service only to be directed towards XXXX customer service. I eventually opened a dispute with Santander which was promptly denied, reasons not clear/specific. Both myself and the intended receiver have contacted XXXX multiple times in order to resolve this but we keep getting redirected to either our financial institutions, XXXX, or our mobile carrier. How can XXXX allow the same phone number to be associated with another account? It is a breach of privacy and security for any given individual to have their supposedly secure and unique transaction to be sent to the wrong person. 

No help or real resolution has been provided by any of the institutions involved. Because of a clerical error on behalf of XXXX, did we lose those funds?
Product: Debt collection

Bank of America refuses to supply me a satisfactory letter saying my debt has been paid. However I did receive one from there law office In NJ. but this is not the letter that I am needing. I have been lied to hung up on an yelled at over the phone. This is not okay. If I do not receive this letter in a timely fashion I'm going to lose my hose. I have tried repeatedly to get the letter from Bank of America not there law office. 
Again they refused to work with me. I need a letter from Bank of America say the debt has been paid. Not from XXXX XXXX XXXX BANK OF AMERICA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my ID and SS Card that showcases my name, DOB & SSN. I requested that the credit bureaus update my name correctly as it was showing incorrect on my profile and remove multiple fraudulent accounts from my credit profile due to identity theft. The credit bureaus updated my name only and did not remove the fraudulent accounts and I provided them with police reports and identity theft reports from identitytheft.gov I have been trying to get this issue resolved for more than 6 months. They file disputes and then give the companies my current address and say they verified to be correct. The companies then send documents to me in the mail that has a different name XXXX XXXX. My name is not XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX XXXX has not contracts or accounts with any of these companies. I provided them with all documents. XXXX has corrected and blocked this information. 

Experian will not remove the fraudulent names, addresses or accounts from credit file. 

XXXX removed the fraudulent names but will not remove the fraudulent accounts. 

They will not provide information to me on how they are verifying these accounts how are they submitting disputes on accounts with my name XXXX XXXX XXXX and the accounts coming back verified to a XXXX XXXX. These are two different individuals and is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I am allowed under Hyppa law to protect my privacy and medical records from third-party. I do not recall giving permission to XXXX XXXX  for them to release my medical information to XXXX XXXX XXXX XXXX XXXX and account number XXXX validation of debt, and HIPPAXXXX  authorization was never given to the third-party. Please note that information given to the medical provider violates HIPAA law. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate, it may be a violation of the fair credit reporting act.
Product: Consumer Loan

I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with this matter?
Product: Checking or savings account

The following complaint was submitted to Ally Bank approximately XX/XX/XXXX ; Having spoken to your agents on XX/XX/XXXX and circa 2 weeks ago, I was assured that Ally ( Agent, XXXX ) would remit to me missed interest checks ( approx. {$630.00} ) for XXXX and XX/XX/XXXX. This has not happened ; all I get is the run around. 
Should I not receive a XXXX  XXXX check this week, I will be banking elsewhere with my 4 CD accounts. 

On XX/XX/XXXX, Ally Bank responded that it needed 1-2 days to process my complaint ( Ref. # XXXX ). Ally has not respondent notwithstanding my request to have a manager call me.
Product: Checking or savings account

Opened an account with Wells Fargo yesterday. Once opened I was denied access to the account due to someone elses information being attached to it. The verification number is not mine and Wells Fargo continues to prevent me from changing it. Theres a Georgia address attached to the account thats not mine. Original account was opened in 2013 but I didnt open it. They tell me to go into the branch and they will fix it immediately and I did but they didnt do anything. They rudely told me to make an appointment. I cant access the account. Someone who is not me has all of the access. Wells Fargo knows all of this and is unconcerned and dragging their feet to address it :
Product: Credit card or prepaid card

aspire credit card charged me double ( over {$170.00} ) x2 on XX/XX/22 and XX/XX/22 and refuses to do anything after requesting they do so in writing and by phone. This Is Already taken XXXX pts off my credit score! i need help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even update or send me any correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX