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

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
Negative 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When married, this account ( XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.
Product: Debt collection

Hi I had an apartment with 3 other people in my school and one of them didnt pay rent and we got evicted and I told the caretaker I can pay my part after every one abandoned the place and me. And I told the collection agency that 1. Its 4 names on the contract owe {$8100.00} and I shouldnt be made liable for it and then 2. On the contract it states that we cant be forced to pay interest or any fees except the one listed on the lease. 3. And that I told the caretaker and she said that I was ok and I shouldnt worry. Even with the lease saying 4 names and signature they still harass me to pay {$9100.00} on the document it clearly states no legal fees or interest shall be awarded to either party.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX XXXX to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. 
I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. 
Summary of Discrepancies : XXXX. 
XXXX XXXX : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 
XXXX. 
XXXX. 
Last Verified : Only XXXX  reports a date ( XX/XX/XXXX ). 
Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. 
Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 
XXXX. 
Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 
XXXX. 
XXXX. 
Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). 
Account Rating : XXXX reports Derogatory, while XXXX and Experian report Paid. 
XXXX. 
Creditor Type : XXXX lists National Credit Card Companies, while XXXX and Experian list Bank Credit Cards. 
XXXX. 
Creditor Remarks : Different remarks from each bureau. 
XXXX. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 
XXXX. Account Type : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 
XXXX Credit Limit XXXX XXXX XXXX {$0.00}, while XXXX and Experian report {$500.00}. 
XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. I had 10 late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.
Product: Consumer Loan

I have a vehicle loan with Lendmark financial. They call and harass me even if I 'm only one day late on my payment. Literally only 1 day. I was even called at my work place over {$40.00}. I made all of my payment except {$40.00} ( in advance ). And forgot about the remaining {$40.00} since I had paid so much in advance. When they called my job, they was extremely rude to my coworker, who answered the phone. After that incident I wrote a letter requesting that I not be called at any numbers listed on my paperwork any more due to the harassing calls. I requested that any contact be directly through mail. Which is my right. Since writing that letter I have been called several times. I spoke with a manager and that has not resolved anything. When I informed the calling associate of my written requested, I was asked " Why do n't you want us to call you ''. At this point the harassment is out of hand. I am almost ready to just turn my vehicle back into Lendmark to avoid all of their harassment.
Product: Checking or savings account

I received about XXXX XXXX electronic payments made to one of my checking accounts through XXXX. I did this at the request of a female [ alleged ] friend. She told me the money was from family and the funds would be used to pay her rent. She assured me that there would be no problem. 

After receiving the money, I transferred the funds from the business account that received the funds to my personal checking account and then I purchased crypto for her and sent the crypto to a wallet address she provided. 

The crypto was purchased from either XXXX XXXX XXXXXXXX from my personal Wells Fargo checking account and then sent to her. Subsequently, Wells Fargo advised me two of the payments totaling {$220.00} were recalled. That did not close the account/ a few days later I received an email from Wells Fargo that they closed my accounts for receiving funds through XXXX that were " Unauthorized. '' Apparently, XXXX people submitted claims that the funds sent were unauthorized. 

I call them, spoke with their Fraud & Claims departments. I explained the situation, told them I believe I was the victim of a scam [ found this out after speaking with some tech friends ] ; explained that.

They said their decision to close the accounts was made and is final- no appeal - sorry you lose. Apparently large banks with XXXX or XXXX  in assets don't care about customers that have been with them for XXXX years. The department that is the front for the back office was quite unsympathetic and final decision ; will not change regardless of why it happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX had a data breach which resulted in my identity being compromised there was a law suit and they denied me any funds from the law suit. When the results of this action clearly resulted in my identity being stolen.
Product: Money transfer, virtual currency, or money service

Initiated transfer of {XXXX} through Wise US Inc on XX/XX/2023. After withdrawing {XXXX from my account, they emailed that on suspicion of fraud, they can't transfer and shall refund to my bank. However in spite of repeated reminder, they have not credited my account. Also US office says, need to email and there is no number where I can get clarity on matter as to reason for closure and also by when can expect funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by Santander Consumer USA XXXX. 

Santander Consumer USA sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but Santander did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. 

This seems like double jeopardy. Santander sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or Santander is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? Santander or XXXX XXXX. Santander must comply with the terms that were made after they sold the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. These items are inaccurate and incomplete : XXXX, opening date XX/XX/XXXX, account number XXXX XXXX, opening date XX/XX/XXXX, account number XXXX XXXX XXXX, opening date XX/XX/XXXX, account number XXXXXXXX XXXX, opening date XX/XX/XXXX, account number XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), opening date XX/XX/XXXX XXXX account number XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you reinvestigate these items and provide verification of the source of the information you used to return a verified response to my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ). If you can not verify the source of your initial response, please delete all contested items from the credit report you maintain.

I believe that the credit reporting agencies failed to contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, FTC reference number XXXX. This failure to verify the information demonstrates noncompliance with the FCRA. If you do not delete the disputed items, I will seek compensation for all credit denials attributable to these items due to your willful and negligent noncompliance with the FCRA. 

Enclosed are copies of my identity theft affidavit, the initial CFPB complaint, and any other supporting documentation. Please reinvestigate these matters and provide me with a written statement of the outcome. 

Thank you for your prompt attention to this matter. I expect a response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Im writing regarding all negative reporting accounts. Please remove all negative reporting accounts.

It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures.

According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX Ive attached my Drivers License along with utility bill, and SS card for verification. 

Anticipating positive results on your behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Product: Mortgage

I start a Loan application ( Refinance ) with two banks. One with CHASE BANK and other with XXXX XXXX Florida. Since  the start the loan application ( XXXX/XXXX/XXXX ) with Chase it was a nightmare. No answer-back, no emails answered, errors in the loan process all the way. In summary, the reason for complaints is that they cancel the loan because they could n't verify the employment verification. While the smaller bank called " XXXX XXXX '' did n't have an issue with the employment verification. The point is that the method they used was not sufficient and did n't do their job properly. I presented all the documents required for the loan, but at the end, it was Chase bank who could n't do their job in a simple, organized matter while the smaller bank did. I just do n't understand.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ). Without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I entered into a lease with American Car Center in XX/XX/scrub>XX/XX/2023. Soon after I was notified that American Car Center had closed and filed bankruptcy and WestLake Portfolio Management would be taking over the payments. I never signed an agreement with WestLake Portfolio agreeing to any terms although I have made payments to them. Soon after the notification of WestLake Portfolio Management I was notified by WestLake that they would be canceling part of my contracted terms like the warranty for mechanics in the event I have mechanical issues and a damage and loss waiver that was also part of the contract. I have also asked to be supplied with the full contract and can only get after months of arguing with WestLake a slim 7 pages to the 20-30 something pages of the contract which I have from American Car Center. They now refuse to do anything to help me fix my car after the check engine light has come on and mechanical issues have come up. I will be attaching copies of my original contract, the contract provided by WestLake, and the cancellation notices.
Product: Money transfer, virtual currency, or money service

Signed up for Cash App account.Recieved card in the mail.Set up account. When an employer tried to send money money wont go into account.He tried 3 times.I have called the company.There is really no way to contact this company.When you call on the phone someone from a far away country who cant speak english does Not know what the XXXX is going on. a Scam?
Product: Mortgage

I had my mortgage with Chemical Bank. This past XXXX I was informed that TCF Bank merged with or acquired Chemical Bank and my mortgage was to be paid to them. I received my XXXX Loan Statement from TCF Bank. I made my loan payment online like I always did and received a confirmation from TCF. That was XXXX XXXX. A week later I received a notice from TCF Bank that my payment ( automatic transfer ) was returned because because they were unable to locate my account even though the loan number was correct. I called immediately and was on hold for over an hour never able to reach anyone. I made numerous attempts to call them over the next couple of days just to experience the same wait time. On XXXX XXXX I went on their website to pay again. Once again I got a confirmation. I check my bank account from which the payment will be processed but there is no indication that funds were withdrawn by TCF Bank. I have made numerous attempts to get through to TCF Bank only to be put on hold for way, way, way to long. There is no explanation on their website or by letter that they have problems. This is no way to treat a customer. As soon as I am able I will be moving my mortgage to another company. Very terrible service!!!
Product: Debt collection

Item is on my credit report, and I do not know what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly 8 years I've been battling with these two credit reporting companies to remove what is a black mark on my XXXX XXXX in the beginning and not valid. I've written letters five complaints and we are past the {$70.00} XXXX  worth this junk should have been removed from my credit years ago credit reporting agencies have a huge responsibility to stay up to date what negative information reported it should be sanctioned when they drop the ball. Incorrect negative credit affects us all holding our children and families at risk
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to lien holder to inform them that my vehicle had been deemed a total loss and informed them that I was filing claims through my insurance company and GAP Coverage to remit payment to them. I was told that was fine and to keep them up to date on the process and I did and my account is being marked delinquent even though payments have been made to my account.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was informed by my bank that Equifax had my birthdate wrong and they were not able to pull my report. I immediatly called Equifax and told them I am XXXX XXXX XXXX I know my birthdate. I have sent proof of this in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX all to the addresses they provided me. And have yet to have it corrected. They keep telling me they never received the info. I sent certified mail in XXXX and it was signed for. This is causing me great stress as when I purchased my vehicle in XXXX it was not wrong and in XX/XX/XXXX I was trying to purchase a different vehicle and was not able to as my bank can't pull the report. They are the only credit reporting service that has it wrong but my bank uses them. They have not update my report since XXXX XXXX. And refuse to change my birthdate. I have sent them my Drivers License, Social Security card, birth certificate, pay check stub and Rental Lease all with my correct birthdate which is XX/XX/XXXX they have it as XX/XX/XXXX which is wrong. I need this fixed asap!!!!! I'm am tired of listening to their excuses and please help me with this. Or I will get a lawyer involved and the press.
Product: Credit reporting 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 Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.