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

Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted immediately : 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: Vehicle loan or lease

My complaint is with Exeter Finance. Ive been paying {$560.00} since XX/XX/XXXX for a XXXX XXXX XXXX. Its a 60 month loan and to date I have made 56 payments. My maturity date is in XXXX of XXXX. This company is now telling me that I still owe them {$7000.00} dollars and that on XX/XX/XXXX the entire amount would have to be paid or they are going to repossess the vehicle. I have already paid this company a total of {$32000.00}. 

CONTRACT Contract Date. XX/XX/XXXX Mileage 60,000 Maturity Date. XX/XX/XXXX APR ( % ) 20.00 Org. Amt. Financed. {$21000.00} Monthly Payment. {$560.00} Amount Remaining. {$7000.00} Payments XXXX XXXX This amount {$39000.00} or higher will be the amount I pay for this used XXXX vehicle. Please look into this matter. This APR rate is unfair and abusive. I have tried to reason with this company regarding my health due to late payments and they dont care. This company is heartless and only want to gouge the consumer financially. Please HELP! 

VEHICLE Model Year XXXX Make XXXX XXXX Last 6 Digits of XXXX
Product: Credit reporting or other personal consumer reports

This is to formally notify you that I sent a certified letter on XX/XX/year>, regarding inaccurate and unverifiable information on my credit report. The letter details several accounts with discrepancies, including unverifiable debts, incorrect " date last active, '' and accounts removed by other bureaus but still being reported by Experian. Below is a summary of the disputed accounts : XXXX XXXX XXXX ( Account XXXX : XXXX ) Unverified account, no original creditor listed. 
XXXX ( Account XXXX : XXXX ) Incorrect date last active. 
XXXX XXXX XXXX Co ( Account XXXX : XXXX ) Unverified account. 
XXXX XXXX ( Account XXXX : XXXX ) XXXX requested but not provided. 
XXXX XXXX Redpoint CAPI ( Account Number : XXXX ) Validation requested but not provided. 
XXXX XXXX XXXX XXXX XXXXXXXX. ( Account XXXX : XXXX ) XXXX the statute of limitations in Texas XXXX 
XXXX XXXX ( Account XXXX : XXXX ) Removal promised by collector but still reported. 
XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, removed by XXXX XXXX linked to XXXX XXXX breach. 
XXXX XXXX XXXX XXXX Account XXXX : XXXX ) Incorrect date last active. 
XXXX ( Account XXXX : XXXX ) Debt collector failed to provide proof. 
XXXX XXXX XXXX ( Account XXXX : XXXX ) Unverified account, no original creditor listed. 
XXXX XXXX XXXX ( Account XXXX : XXXX ) Incorrect date last active. 
XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, violation of FCRA. 
Despite my certified letter, Experian has not provided the requested method of verification or sufficient documentation to validate these accounts. This violates the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( a ) ( 7 ), 616, and 617. 

I demand immediate removal of these accounts from my credit report. Failure to comply will result in further action to enforce my rights under the FCRA.
Product: Checking or savings account

There were multiple fraudulent charges that were being charged from my card that I was completely unaware of until I noticed my account had significantly started to decrease very quickly. I had submitted the disputes with PNC bank thinking it was going to be handled appropriately but instead in less than 10n days, I had received no correspondence from them by telephone, mail OR email which they have the information to all three where they could've contacted me to get more info or however they needed me to cooperate. My claims have all been denied and I SERIOUSLY doubt that they were able to properly investigate over {$20000.00} in a matter of 9 ( business ) days to come to a decision that the claims will be denied. Again, I have yet to receive any correspondence from them nor have I received my new debit card in the mail thats been well over 10 business days. I submitted these disputes on XX/XX/2021 and was told the claims were denied on XX/XX/XXXX and ONLY knew that because I was the one that had to reach out.
Product: Money transfer, virtual currency, or money service

AirTM was sent my earnings from the company XXXX for work performed. I can not withdraw any of the money and they are not giving me any alternative ways either. I have verified my account by submitting my drivers license and a selfie and every time o try to withdraw my money, I get an error with nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial SVC. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**. They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is Westlake repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in Westlake correcting the Monthly DUE DATE. Westlake reported to XXXX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite Westlake taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. Westlake 's sister company " XXXX XXXX '' paid as well. They also posted payments to someone else 's account to add to mess so the XXXX XXXX+ remained on my report .Westlake reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
Product: Debt collection

Had Identity Thief in XX/XX/XXXX And XX/XX/XXXX By Criminals Movers Stealing All My Identity. And Opened Accounts Thats Never Got Letters From XXXX XXXX Saying. I Have All Your Informations You dont Paid Your Bills??. All The Names In The Feds. Supposed To Go To Court. Today XX/XX/XXXX XXXX But Woke Up Late. And The Clerk Was Going To Give Me A Warrant. Told Him I Almost Had A Crime In My House And The Court Did Nothing For Me??. Never Received A Letter Until My SSN Is Compromised. And XXXX XXXX And Her Criminals Friends Stolen All My Identity. Send Them A Letter Next court Date Is XX/XX/XXXX at XXXX : am
Product: Credit reporting or other personal consumer reports

I looked at my XXXX  credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I am a XXXX  XXXX, in a contract with a client to build a house. Homeside Financial has the construction loan which will be a home loan with the VA in the end. Homeside has moved {$7700.00} out of the construction budget to a column labeled " Prepaid or Equity from Borrower. '' This money is clearly not in the " Drawn to Date '' column. However, the representatives at Homeside insist that I was paid this money. I have tried several times to explain their own spreadsheet to them, but they can't see the error. I have told them if they will add the Drawn to Date and the Balance Remaining columns that should equal the contract amount. The total is short {$7700.00}. 

I can't upload the XXXX spreadsheet, I could forward an email with the attachment if you contact me. XXXX XXXX
Product: Credit reporting

I am filing this complaint because XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting unknown debts on my credit report but have all ignored my requests to provide me with any documentation they have on file which validates the authenticity of these accounts. I sent each data furnisher this request by certified letter on XXXX XXXX, 2016 and to date have not received any such documentation from them. I believe this to be in violation of Section 623 ( a ) of the FCRA. I have notified Experian of this failure by above mentioned data furnishers to comply with section 623 ( a ) of the FCRA, and yet they continue to persist in reporting this item on my credit file. The FCRA states under Section 611 ( 5 ) ( A ), that if they ( the CRAs ) are unable to verify these accounts then they are required to " promptly delete all information which can not be verified ... '' They have ( as of yet ) failed to do so. Please step in to resolve this matter.
Product: Vehicle loan or lease

I purchased a XXXX XXXX through Ally Bank last XX/XX/XXXX. Which I was diligently paying for. On XX/XX/XXXX. There was a payment made of {$13000.00} as shown on my online account portal. My husband has habit of paying my loans so the activity did not surprised me. That left me with {$420.00} loan amount with Ally that I paid for on XX/XX/XXXX. This closed my load with Ally Bank. 

Ally Bank sent me a copy of the receipt via email and mail few weeks after that. I was very patient with the obtaining the title because of pandemic, I feel that XXXX  was closed for a time or having delays. 

I called Ally around XX/XX/XXXX and followed up the title and found out that they made a clerical error on their part and that my car is not supposed to close. Now, XX/XX/XXXX. They reopened my loan and told me to pay {$15000.00}. My car does not even costs this much anymore after more than a year of closing my loan. I recently receive a repossession letter from them. 

I feel that it is not right for me to salvage them and pay for interest because Ally did a mistake on their part and now taking my car and damaging my good credit score. This is a scary mistake that Ally created and consumer needs to pay.
Product: Credit card or prepaid card

I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and XXXX I am so lost at this moment because I never even had a account XXXX  would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau : PLEASE STOP ALLOWING EXPERIAN TO CLOSE MY DISPUTE AS DUPLICATE. THIS IS NOT A DUPLICATE DISPUTE. 

XXXX XXXX XXXX  CONTINUES TO REPORT A FRAUDLENT ACCOUNT TO EXPERIAN AS BELONGING TO ME. 

I have notified experian. I have filed an identity theft affidavit WITH THE FEDERAL TRADE COMMISSION which I have attahced. I have also attached the police report of identity theft. I UPLOADED THE POLICE REPORT to Experian DISPUTE PORTAL 10 TIMES. 

EXPERIAN HAS PREVENTED ME FROM DISPUTING THIS FRAUDULENT ACCOUNT and ALLOWS XXXX XXXX XXXX  to continue to report EVEN THOUGH I MADE A FORMAL REQUEST TO HAVE IT BLOCKED. 

ON XX/XX/2020 EXPERIAN CLOSED MY DISPUTE STATING THAT IT WAS A DUPLICATE WITHOUT INVESTIGATNG OR ALLOWING ME TO DISPUTE IT ON EXPERIAN 'S DISPUTE PORTAL.
Product: Debt collection

I am writing to you today as I am beyond out of my mind with the harassing phone calls I am receiving numerous times per day from this alleged collection agency, Credx Debt Recovery , LLC. They have also tracked down my father who is XXXX years old, my children, all XXXX of them, my daughter-in-law and her family and now friends that I have n't seen in years! This has to stop! It is utter harassment and the woman that is making the calls is as rude as can be, yelling at me, threatening to have me arrested! 




Is there anything that can be done about this? How do I make these unbearable calls stop? I am aware of the FDCPA law and am hoping that this can be enforced against these people. Anything you can do to assist me would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify : XX/XX/XXXX Account number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied with Transform Credit for a loan. I checked online reviews. Seem legit. I filled out application. They needed my account information for deposit. From my loan payment {$5.00} will be added to a credit file to build my credit report. During the whole process they did not mention I needed a co-signor. I was denied the loan and now they withdraw {$5.00} from the bank account the deceptively gotten. It was very deceptive business practice. No loan and they get {$5.00} Every month. Win for them, loss for me. Very unfair practice
Product: Money transfer, virtual currency, or money service

I have over {$14000.00} on my individual investments account and they closed the account denying me access to withdraw my funds
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. 

Account name : XXXX XXXX FIN # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX 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 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

Experian is allowing XXXX XXXX XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is a 3 month difference. The proof Im providing is directly from my credit report. Due to the reporting of inaccurate information I want the account deleted.
Product: Debt collection

XXXX garnished my wages from XX/XX/XXXX to XX/XX/XXXX of this year. In XX/XX/XXXX, I asked this company to verify the debt and they sent me a letter on XX/XX/XXXX stating they were unable to do so, and that collection was removed. In XX/XX/XXXX I received a garnishment notice from this company for the same debt. I sent a certified letter XX/XX/XXXX requesting debt verification, on XX/XX/XXXX they sent me a copy of a judgment which is not what I asked for. I requested the name of the original creditor, or company, what it was for, copies of any information or signed documents, ect. They failed to provide me with any information that I requested and violated my rights. XX/XX/XXXX I sent the same letter to their attorney via certified mail, she refused to sign for it. XX/XX/XXXX, I sent another letter certified mail tell the Credit Collections Bureau that since they failed to verify the debt they must cist and desist all garnishment until they are able to do so, they never responded and they did continue to garnish XXXX until XX/XX/XXXX. This caused me great hardship. I was unable to pay bills, or rent due to this and was charged many late fees which caused my finance situation to become ever worse.
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for ALLY FINANCIAL to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees. I have occurred despite having sufficient funds when transaction were authorized. I was charged fees due to lagged posting of charges and credit this issue alliance with the recent CFPB findings against Navy Federal for similar practices were transactions, settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

A fraudulent cell phone account under my name in XX/XX/XXXX. Original amount was {$72.00} I had sent a letter to XXXX XXXX XXXX on XX/XX/XXXX disputing the charge and had asked them to close the account and absolve me of all charges to the related account ( # XXXX ) I had reported to XXXX XXXX, report # XXXX Now I have received collection letter from TrueAccord XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXX XXXX XXXX This is a second agency sending me collection letter
Product: Credit reporting or other personal consumer reports

I sent out a request to TransUnion on XX/XX/XXXX to validate that everything is accurate and verified on my credit report. They sent me back stating that everything is correct and verified. There are still inaccuracies on my report. According to the fair credit reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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. I filed a complaint with the CFPB on XX/XX/XXXX and attached documents that also proved these accounts were in fact inaccurate. I requested these accounts to be deleted from my credit report. This did not happen. I then sent a request for Reinvestigation XX/XX/XXXX to verify that these accounts were verified as accurate. They all came back updated and verified but are still showing major inaccuracies. CAP XXXX, XXXX XXXX XXXX XXXX XXXX Transunion XXXX, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws:15USC 16811i, 15USC 1681i5, 15 USC 1681eb , DELETE THESE ACCOUNTS! 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

There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with XXXX  on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX  on XX/XX/21 with no response from the company. I dont know how else to let XXXX  know this account does not belong to me.
Product: Debt collection

I have a XXXX XXXX XXXX credit card debt of {$750.00} and they threaten to garnish one of my son 's account which I am only on as a cosigner but I do not use that account that is my son 's account. And they garnished {$1600.00} out of his account after they asked me for his bank statements and pay stubs to show that I didn't use that account but now I didn't show for a XXXX meeting and they said that it is their money now. I thought the statue of limitations was 6 years but apparently it's 20 plus. The debt collector is messerli & Kramer in XXXX Minnesota