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

I recently submitted a request for investigation of a which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. Experian will also not allow me to do these disputes online. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up  and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 uSc 168|6 Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer 15 USc 6802 A Financial Institution may not 2,232 disclose nonpublic personal information to a nonaffiliated third party unless 25 They give you the consumer the opportunity to exercise your right to opt -out According to the FCRA, these unverified and unauthorized items must be removed.
Product: Debt collection

I discovered that National Credit Management has reported a collection account for a debt that I believe may not be valid. I have not been properly informed about this debt, nor have I received any communication or documentation from National Credit Management regarding its legitimacy. This lack of transparency has left me deeply concerned about the accuracy of this debt reporting and its impact on my creditworthiness. 

It started on XX/XX/XXXX. The last reporting is on XX/XX/XXXX. The account is XXXX dollars. It is to my understanding that the XXXX XXXX XXXX XXXX  have sold my account to them and they got a credit from the IRS when filing my account as a loss.
Product: Credit card

See the attached documents. I want the bureau to investigate these accounts that wrongly label me as late, even though I am consistently on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no Consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This entire credit situation is deterring me from purchasing a home for my family.
Product: Mortgage

UPDATE TO ALL BOA COMPLAINTS : FAILURE TO PROVE LETTER OF DENIAL YESTERDAY XX/XX/22 XXXX XXXX MEET WITH BANK OF AMERICA ( HEREIN AFTER " BOA '' ) @ THE XXXX XXXX XXXX XXXX MORTGAGE EXPERT XXXX. 
AFTER GETTING A CASHIER CHECK FOR HIS HOA DUES, ASKING WHY HIS ORDERED CHECKS STILL DO NOT ARRIVE A BOA LOCATION HAS GIVEN HIM NO CHARGE CC ' FOR THIS MONTHLY PAYMENT! 
XXXX XXXX TOOK ALL FINANCIAL INFO, STATED THAT THE MARKET VALUE OF XXXX XXXX CONDO NOW @ {$190000.00} BUT BECAUSE XXXX XXXX DEBT RATIO AFTER MONTHLY DUES, XXXX DUES, INS.UTLITIES @ ROUGHLY {$1100.00} WOULD DISQUALIFY HIM TO APPLY FOR A MORTGAGE WITH BOA. THAT XXXX XXXX WOULD NOT ACCEPT. 
THIS IN SPITE OF XXXX XXXX MORTGAGE WITH SAME FIGURES BUT A SALE PRICE OF {$100000.00} ON XXXX WERE APPROVED THRU XXXX MORTGAGE /ASSUMINGLY XXXX XXXX & ON TOP OF THAT XXXX XXXX HAS NO LATE PAYMENTS OF ANY NATURE. WITH MINOR GLICTHES ON XXXX RECENT CREDIT REPORT THAT WERE ATTEMPTED WITH COURT FILINGS THAT THE COURT FAILED BECAUSE OF COVID TO PROPERLY SCHEDULE & HEAR THE RATIONAL FAILS TO COMPARE TO THE PREVIOUS APPROVAL BY AFOREMENTIONED. 

XXXX XXXX FAILED TO PROVIDE A LETTER OF DENIAL TO BE ISSUED & CONFIRM ONE WOULD NOT BE PROVIDED. 
THIS IS WHILE BOA HAS REPORTED A CLAIM EXCESS OF CREDIT USED BY XXXX XXXX CREDIT CARD WITH THE REMIANING BALANCE CONSISTING OF DISPUTES & INTEREST.THAT THE ATTACHED NOTICE TO LITIGATE HAS BEEN SENT!
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from GM Financial Leasing. All payments were made on time. At the end of the loan they charged me a {$420.00} termination fee. They have now reported the fee as pass due and it has dropped my credited score 37 points. Just to reiterate all 36 regular payments were made on time, they are reporting me for a fee they would have automatically waived if I had bought or leased another car.
Product: Debt collection

True Accord/XXXX  continue to harass me on a collection debt i never authorized from XXXX for {$1100.00} back some years ago. I have disputed this debt as fraud numerous times since the start and i continue to get emails from True Accord requesting payment on a fraud account. I have also requested a cease and desist many times and my information removed deleted from all collections files and collection agencies since -the validity of this collection has been disputed many times as Fraud and i request written notice that such request has been done.
Product: Bank account or service

I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created.
Product: Credit card

This is concerning reports showing on credit profile showing of late payments on my credit report from XXXX XXXX XXXX account beginning in XXXX when I never received notice of a due date. I am disputing the late payments on my credit card account for the months of XXXX, XXXX, and XXXX of the year XXXX I believe these charges are unfair because I never received a notice of due date within 21 days before the due date, as required by Section 1666b. 
If you are unable to provide this proof, I request that you remove the late payments for these months. I have been a responsible customer and have made my payments on time. I believe it is unfair to penalize me for your company 's failure to provide proper notice. 
Please investigate this matter and take corrective action as soon as possible.
Product: Payday loan, title loan, or personal loan

Speedy Cash XXXX XXXX XXXX XXXX KS. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/22, I was unable to log in and make a payment prior to due date ; whereby, the creditor had manipulated on-line user account access. I phoned creditor and was told they didnt support the XXXX XXXX debit card. I went back on-line and was allowed to enter the card information, but a payment was not accepted. The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because it was schedule for the next day, according to XXXX XXXX, and that is a fraudulent transaction that is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, the creditor utilizes a loop whole to charge additional interest and prevent me from paying the loan off sooner. An additional interest payment is charged to my account a day or two prior to due date. The creditor has allowed early payments once or twice, but an additional payment is withdrawn the next day ; whereby, overdrawing my account. This is a breach of contract since there are no penalties for paying loan off early.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau XXXX, Experian, XXXX I am A Victim of Identity theft I am want to request updates to my personal information and to ensure the accuracy of my credit due to credit report and identity theft in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name Update : Please update my name to XXXX XXXX XXXX. Attached, you will find supporting documentation for this change. 

Address Update : Please update my current address to the following, which is accurate and deliverable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth and Social Security Number Confirmation : For your records, my date of birth is XX/XX/year>, and my Social Security Number is XXXX. 

This information is critical for accurately maintaining my credit file. 

Removal of Previous Addresses : I also request the removal of all previous addresses associated with my credit report. These addresses are not deliverable by the US Postal Service, and fraudulent due to identity theft making them inaccurate and not reportable under the FCRA. Ensuring that these addresses are removed will help in maintaining the accuracy and integrity of my credit information. 

I trust that XXXX, XXXX, and Experian will take prompt action to update these details and remove the inaccurate information as required by law. Enclosed are copies of documents that verify my identity and support the requested changes ( e.g., government-issued ID, utility bill for the new address, Social Security card ). 

Please inform me in wrong once these updates have been made to my file. Should you require any additional information or documentation, feel free to contact me. 
Thank you for your attention to this matter and for your cooperation. 

Sincerely, XXXX XXXX XXXX Attachments : Proof of Identity ( Copy of Driver 's License or Passport ) Proof of New Address ( Utility Bill, Lease Agreement, or similar
Product: Checking or savings account

I open my account in XXXX with a XXXXXXXX XXXX deposit direct deposited from my XXXX XXXX  XXXX checking account. After two months of calling and waiting I still never received an atm card. They refused to transfer my money back to my original account with out the atm Card number. Which I never received. 
I asked for a manager who was rude and nasty said they did nothing wrong. Would only mail me My money which she had just said she had mailed an atm card two times and it was returned. But now she is going to send my money that way. That was XX/XX/XXXX. Still no check. I received three letters saying my address was updated each time the exact same but still no check. Ive called three more times and no body will take accountability and give me back my money. So for four months they basically have held my 300 hostage and refuse to give me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 {$6800.00} XXXX {$7700.00} XXXX {$1000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX -- Balance {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX OF XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

They fraudently wrote a check to themselves from my account on XX/XX/XXXX. I have tried finding my loan documents and there are none. This loans needs to be considered illegal.
Product: Mortgage

This is a follow up to complaint XXXX. I do not accept Wells Fargo 's Response. They have not adequately addressed of my concern, and I will not stop lodging complaints until I am satisfied. Also, I did not receive any voice mail messages from anyone at Wells Fargo that someone was trying to reach me. So I don't feel adequate effort was made to reach me. Again, my main complaint is that Wells Fargo cheated me out of my loan my closing the loan without my approval. This was after dragging me on for 8 months of poor service with a poorly trained employee. The entire point of my argument is that I specifically asked XXXX XXXX to keep the loan open while I checked on other resources, and he agreed. Despite being told that the call was being recorded at the time, you have told me that you do not have a copy of the call. Which honestly, I do not believe at this point. Now that I have asked to get on a call with XXXX XXXX and Wells Fargo Management ( I didn't specifically request the Board of Directors, I just want witnesses ) you're telling me that you won't set it up. These seem to me to be obvious signs of a company with a problematic history of cheating customers trying to hide more malfeasance. This also makes it clear to me that you know I am right about Wells Fargo cancelling my loan when I specifically requested it to remain open. As a result, you cheated me out of my chance at the loan, you made me waste hundreds of dollars on fees that I want returned and I want a settlement for all of your obfuscation and attempts to get rid of me to hide the error. XXXX XXXX knows the truth and you are preventing the truth from coming out. I am not satisfied and still request a phone call with XXXX XXXX and management witnesses. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Prepaid card

I received an Amex gift card as a gift from work. I tried to use the card in XXXX, XXXX, on XXXX, in supermarket. It doesn't work anywhere. I called up the number to get help. They pretended it was the first time they had heard anything like this. The call center in XXXX said they could not help as they only sell the cards they don't help to use them. I was told to call a different number, but there is no different number. They couldn't give me a different number, and there is nothing on the site. I tired 3 times but made no progress. I think the card is a scam, and that is how they make money.
Product: Checking or savings account

I tried to open checking account with Tuist Bank and was reject due to an issue from 2010 when I have my account hacked. Truist bank only stated they could not open the account and no further information.
Product: Student loan

I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the XXXX recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the XXXX. However, the greed that exist within the debt collection community caught up with Navient, and many others when the XXXX suspended contracts for deceptive and illegal collection practices. Navient was never part of any student loan origination. They now claim that any student loans I owe are private, even though previously they claimed they were collecting on behalf of the XXXX. Now they claim that they can not defer payments, consolidate debts, or do anything other than collect on debts they have shown no proof of ownership. I have no clue as to what company is the trustful owner of any procured student loan debts under XXXX XXXX. Even though I never took part in any procurement of a debt from Navient, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for Navient. So it looks like my credit will be dinged and damaged by this collection agency that has no stake in the debts they claim they have a right to collect on. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Navient has no right to collect on any debts without proper validation. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. Navient must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. Navient must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the urgent removal of fraudulent items from my credit report. 

Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I am deeply concerned about the potential consequences of this unauthorized activity. 

I have taken immediate steps to address this issue by contacting the credit reporting agencies and reporting the fraudulent activity. However, despite my efforts, the credit reporting agencies have failed to take swift action to remove these fraudulent items from my credit report. 

Given the urgency of this matter and the potential harm it could cause to my financial well-being, I request that you intervene to expedite the removal of these fraudulent items from my credit report. I urge the credit reporting agencies to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the fraudulent activity on my credit report, including reimbursement for any unauthorized charges or fees incurred. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Debt collection

I received a settlement from Tenaglia & Hunt for {$2900.00}. I paid on the due date online ( I have receipt ). The money was never taken out of my account. I have contacted them 57 times for the last 2 months, leave messages with the person in charge of my account and other management. I have stated I am at work and can we please set up a time to connect to resolve this matter. Of the the 57 times I called, I have received 4 call backs where they leave messages to call them back. I call back within 5 minutes and the same cycles starts over. I was finally able to make contact with XXXX once and explained I paid and emailed him the receipt. We said I know own the {$3900.00} or full amount in four payments. I asked to speak to his supervisor or manager. He said he will put in the request which two weeks. I have not received a call and now get sent directly to voicemail. I would like to settle this situation and thought I already did but they continue to spin me in circles with no resolution in sight.
Product: Credit reporting

There is a bankruptcy listed on my Equifax report that was settled, paid in full and closed in 2007. It is still listed under deragotory complaints. I believe this should ne romoved as it was resolved 9 years ago.