23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have both made payments and taken out more money from this lender, but neither the increase in total debt nor the payments were shown in my credit report.
Product: Vehicle loan or lease

When I first got the car I had to give the lender a down payment and I gave them {$1200.00} they told me the price of the car was going to be {$400.00} that I did not have to pay for XXXX I wound up paying for XXXX I had already given the young man when you brought the car to me XXXX XXXX 2021 {$800.00} when he gave me the car I gave him another {$400.00} he put it in the envelope and he left I gave him cash money it was not supposed to be a down payment of anything under the law of the United States 15 USC 1662b everything is supposed to be included into the car also including the insurance I have to pay insurance I have to pay car note my bill was almost {$1000.00} a month for that 2021 XXXX XXXX this thing has put me in debt the car company has been harassing me they keep trying to repossess the car they're telling me that I owe 4 months when I only owe actually a month my son gave me money he put two and a half months down on the car for what I owed and they called me today XX/XX/XXXX telling me I owe {$2000.00} and it has to be paid by Friday they're going to repossess the car this is harassment I have been harassed since I got that car and they have done some fraudulent things and I don't think it's fair I tried to make every payment I tried to keep insurance on the car when they were supposed to pay the insurance for the car and everything else that was supposed to be paid by the dealership and it's called truth and lending and they were not truthful they deceived me they mentally emotionally abused me and harass me with this car since I had it from the time I got the car at one point they claim that I didn't pay my insurance when I had insurance company called XXXX stated that I had something on my record where I had a suspension and I was stuff was never suspended they just harassed me in every kind of way between the EZ Pass tickets just regular tickets I feel like I was just picked every time I turn around it was something with this car I have not enjoyed that car since I had it and they have been harassing me because they know what they did they took the registration from my XXXX XXXX and put it onto my rogue when the Rogue should have had its own brand new registration and it did not and they also made me pay for XXXX when they said that I didn't have to pay for XXXX and I would like to get my money back because the things they did were horrible I have not really enjoyed that car since I had it I barely drove it I had to keep putting it in a car in the garage it was horrible and I would like my money back I didn't know that this car company was the way it was this was my second lease my first lease was fine but when I got a little bigger car it was like they just dogged me and did anything they wanted to me they really gave me a hard time and I could not enjoy that car I just could not enjoy that car if it was horrible and I would really like my money back I did the best I could to keep those payments up paid out insurance and I was harassed every which way you could think of when it came to that car
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. 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

To Whom It May Concern : First, they didn't reply in a timely manner to my initial letter and failed to provide me with a copy of any viable evidence, bearing my signature, showing the last payment on the account being reported accurately. 

I sent a dispute letter is a follow up to my original letter dated XX/XX/2020 regarding an inaccuracy in XXXX, Experian 's as well as XXXX 's credit reporting, regarding the entry being reported as a charged off account under XXXX # XXXX for {$21000.00}. 

XXXX to date has a $ XXXX class action lawsuit for unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. 

XXXX profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. I just want to start over and purchase my first home in 6 months. 

My credit will be in great standing after this is corrected. 

I sent this final goodwill attempt to have you help clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I have maintained a careful record of my communications with them for the purpose of filing a complaint with your organization. ( Consumer Financial Protection Bureau ). My next move is to contact the Attorney Generals office, should they continue their noncompliance. 

Thanks in advance for your assistance
Product: Credit reporting or other personal consumer reports

i asked for a sign agreement or proper proof of these accounts
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. As such i filed a formal report of identity theft at XXXX I then sent a formal written request with competent evidence attached ( certified mail ) to XXXX for information regarding fraudulent activity on my credit report. I sent proof of address, a copy of my SS Card, Proof of residency ( utility bill ) and a copy of my government issued ID card along with my identity theft report, FTC report # XXXX filed online. Experian then accused me of " material misrepresentation '' and stated that i received " goods or services '' from the retailers. This statement was untrue and Experian refuses to remove the fraudulent accounts from my credit file. All of the documents required by law, and a sworn statement have been provided to them. I also called and they refused to provide the legal statement i asked for from their office of general counsel ( legal department ) that i requested with a detailed written explanation to include documents, names times and dates in the investigation. An investigation was never conducted and if it was, in violation of the law they refused to send me documents i requested in writing. All XXXX of the vendors, and both of the credit agencies are in the process of removing the information from my file. Experian refuses to comply with the legal written request to remove and block the information from my file as per section XXXX of the FCRA specifically FCRA XXXX ( XXXX. XXXX XXXX ). I am Filing this request in hopes that the FTC and CFPB will force Experian to comply with federal law and remove and block the items from my credit file immediately. Experian has directly caused financial harm to me and my family with its blatant disregard for consumer protection. As a direct result of Experian 's failure to take action when legally required i was denied a loan for housing. I am a XXXX Veteran who now is at risk of being XXXX due to the situation.
Product: Checking or savings account

Through XX/XX/, Wells Fargo is offering a {$300.00} bonus for opening a checking account and a {$520.00} bonus for opening a XXXX account with at least {$25000.00}. Deposits of {$25000.00} must remain in the XXXX account for 90 days. I opened a checking account and a XXXX account on the same day, XX/XX/. I received the {$300.00} bonus for checking account on XXXX, but did not receive the {$520.00} bonus in my XXXX account. I called Wells Fargo on XXXX at XXXXXXXX XXXX to inquire about this and was told that I did not have the required balance at the end of the first period. I asked him to double check my account and he finally agreed with me and asked me to go to the branch to correct it. I went to the Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XXXX at XXXXXXXX XXXX to make it right. I spoke to branch manager XXXX XXXX XXXX and she said I would only receive one bonus, not two. I asked her why your bank chose to give me {$300.00} instead of {$520.00} when I opened two accounts on the same day. I disagreed with her. Wells Fargo 's terms state that you are not eligible for this offer if " You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months ''. I have not received any SAVING offer bonus nor have I received any Checking offer bonus in the past 12 months. Additionally, the banker who helped me open both accounts did not tell me that I would only receive one of the bonuses. Instead, the banker entered and verified the promotional code for my checking account and XXXX account for me.
Product: Debt collection

Outstanding balance of XXXX from XXXX is not correct because card for website was not used in any purchasing Made dispute through XXXX XXXX twice. Did not receive any communication on results until XXXX XXXX was checked manually. 
Debt for amount owed has been sold to another company. 
Tried numerous time to reach out to current collector with no response back from company. 
No letter in mail has ever been sent to me or any other form of communication. 
No account statements with the company has been sent directly to me or via email. 
No other information other than what is stated on my XXXX XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing disputes to be filed on-line. They continue to state, over 30 days now, that they are having " technical difficulties ''. These actions are causing consumers to have incorrect information on their credit reports causing lower credit scores, and thus potentially higher interest rates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed 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 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ TD Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at TD Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( Experian, XXXX, XXXX ) that I owe a balance of {$530.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. this trade-line is CLEARLY in violation of federal law ( s ). the guidelines afforded to me, the litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Product: Debt collection

IN ACCORDDANCE WITH THE FAIR CREDIT REPORT ACT ACCOUNT XXXX HAS VIOLATED MY RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONCUMER REPORTNG AGENCY CAN NOT FURNISH An ACCOUNT WITOUT MY WRITTEN INSTRUTIONS I HAVE NOT DONE BUSINESS WITH THIS COMPANY, THIS A FRAUD. SHOW ME PROOF OF MY ID, MY SS CARD AND MY SIGNATURE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I am I`m a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payment reporting on my credit report due to an automatic payment system error. Despite having sufficient funds in my account and my payments being set to process automatically, a technical malfunction between my bank and the creditor resulted in payments not being applied correctly. 

As a result, I was unfairly marked late for multiple payments, which has negatively impacted my credit score. I have attempted to resolve this issue with the creditor directly, but they have failed to correct the reporting error. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate information on a consumers credit report must be investigated and corrected promptly. Given that these late payments resulted from an error beyond my control, I am requesting that the creditor and the credit bureaus remove the inaccurate late payment history from my report. 

I urge the CFPB to review this matter and take action to ensure compliance with federal credit reporting regulations.
Product: Credit card

NOTICE OF AGGRAVATED HARASSMENT, FRAUDULENT BILLING, AND DEMAND FOR THE MULTIPLE NOTED BELOW FRAUDULENT ACCOUNTS VALIDATION https : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my report and seen some fraudulent hard inquires on them and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX immediately. 

XXXX XXXX XXXXXX/XX/XXXX XXXX ( Bank )XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My previous capital one with a now paid balance of {$1500.00} is still reflecting as late payments in my credit report. The is now over XXXX years old. I would like removed from all of my credit reports immediately. Any assistance Id greatly appreciated! Last time XX/XX/2015.
Product: Debt collection

I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by BANK OF AMERICA has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines .

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I am opting out of your reporting services.

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

" I am opting out of your reporting services.
Product: Debt collection

I had 2 accounts with XXXX XXXX that were over drawn and sent to collection. It took me some time, but eventually I settled on both debts. I and family members continue to receive phone calls about the debts from numerous agencies. The most recent agency is calling from XXXX-XXXX-XXXX. It took me approximately 2 weeks of 20 or so calls to actually reach someone on the other end of the line. Most times they would pick up and hang up almost immediately, or leave me on hold. The voicemail they have set up has been full each time I have called and not gotten through on hold. Today when speaking with them, the woman continually asked for me to provide the XXXX XXXX  account information. I declined and requested they provide an email address or fax for me to send the documentation I have to show the debts are paid. She disconnected the call. After I called back, she advised that she would not entertain it and she was filing the paperwork to the court and again hung up on me. As you can see from my documents, I have settled both debts.
Product: Credit reporting or other personal consumer reports

The late payments on my account do not reflect my typical payment behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for the reason that I have been dealing with TransUnion for a few months regarding inaccurate inquiries on my report Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to TransUnion to verify the disputed account and remove them if unable to prove that the account is mine. TransUnion is failing to remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, as I was told by a TransUnion rep and mailed everything. Only 2 inquiries were deleted. I called to see why only deleted 2 inquiries they stated that they didn't receive anything for the other inquiries. So I send them again. I haven't got a response when I call to see the statues It doesn't get me nowhere. I have had ENOUGH! how much documentation does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! DELETE the Inquiry which I do not own. 1.XXXX Date:1XXXX 2. XXXX XXXX Date:XXXX 3. XXXX  Date:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report. It shows XXXX and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on Experian