23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX  account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information XXXX XXXX is reporting to the experian XXXX and XXXX 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.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from experian XXXX and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
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Product: Checking or savings account

USAA decided to start the closure process of my account on XX/XX/2022. This made it so that they would only accept deposits and restrict me from withdrawing any of the money. Unfortunately, my disability check from the VA ( I am 100 % XXXX veteran ) was already sent to the account and was pending deposit so I couldn't have it send to my other account. I called USAA and received many different answers about when the account could be closed and have the corporate check sent to me. I emailed the CEO XXXX XXXX and President of the USAA Federal Savings Bank asking if they could close the account immediately and send me the check expedited as I depend on the check to live for the month as I have no other source of income. The CEOs office called and said they couldn't close it for 60 days due to laws and regulations, however I could not find anywhere in their disclosures that state these laws and regulations. The letter they sent me said that it would be closed WITHIN 60 days, but the representative who called said they couldn't close it until 60 days. Another representative told me they would be able to close the account and expedite the check to me once the account is in positive balance. Which it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old XXXX XXXXLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on multiple occasions reported to XXXX card that all charges on my credit card were fraudulent ( XXXX Credit Card ) I have always been told that it is being investigated but there has been no resolution. The fraud dates back over 6 months and XXXX will not complete and correct the account. I tried disputing with Experian and they advised that XXXX said the I formation was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to file a dispute through Equifax. The dispute was in response to six items showing as being in collection from a collection company I had never heard of. The collections were report in XX/XX/XXXX. They were reported as PAID and stated they were opened in XX/XX/XXXX. 

I tried to initiate a dispute through Equifax 's online process ; however, their system logged me out when I attempted to process the dispute and would not allow me to log back in. 

I initiated the dispute through an online contact form around XX/XX/XXXX. On XX/XX/XXXX, Equifax emailed me stating the " dispute has been completed. '' I was unable to view the results online. I called their customer support. The representative said the dispute was completed because the collection showed as PAID. I told her I did not believe the collection was valid. She became confused as to why I wanted it removed from my credit report even though it was disputed. I convinced her that I actually did want to dispute the collections. 

I received another email on XX/XX/XXXX saying the " dispute has been completed. '' Again, I could not view the results online. I used their online Chat Support system. The representative just said I could not log in because the system was down. It is XX/XX/XXXX, and I still am unable to view my results. 

To make a long story short, Equifax made it difficult to dispute invalid collections on my account. They closed the dispute without making a proper investigation. They made it difficult for me to get them to conduct an investigation. They are not providing me with the final results of the dispute. Also, the invalid collections are still showing on my account. 

I have attached screenshots of relevant emails. I do not have the recording of the phone call between the customer service rep and me.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2020 CFPB, I filed a complaint just a few weeks ago with your office against Honda Financial Services due to their harassing me with calls after I called and told them when I would pay my payment and paid within my 10 day grace period as promised as I have several times with them, BECAUSE I work for the State of IL IDES and we are only paid 2X a month, so I have to wait and pay them when I have money in my account as I am a twice widowed mother and live on one check and have no help. 

I did the same this month and paid them during my grace period again after they just got done threatening that they may start adding additional late fees and interest onto my account in their response letter to the complaint after I reported them to the CFPB, a regulator. Then this month when I went to pay my payment this morning at XXXX on XX/XX/2020 by XXXX XXXX with my debit card because I can not pay it online or by direct debit, they won't allow me to, as I always do, which ALSO costs me an additional {$4.00} on top of my payment monthly yet still they claim it takes them a day or two to post when they debit it right out of my account, as I promised them!! Then when listening to the recording it said my balance was higher than normal after I made my regular payment of {$590.00} which is due was due on XX/XX/XXXX. I am on day nine of my ten day grace period and this is the same day I have paid for the last several months with no late fees, yet my balance this morning before my payment said I owed {$1200.00} which is my current payment of {$590.00} due for XX/XX/XXXX, plus they have added my XX/XX/XXXX payment of {$590.00} which is not even due until then and a {$30.00} fee!!!! 

This is intentional and done after I reported them and done in retaliation for my reporting them to you as a regulator out of revenge and is ILLEGAL, this is what they were threatening when they responded to my complaint you!, saying they were going to add additional interest and fees if I did not pay ON the due date!! I want them held accountable, fined and made to refund the fee NOW!!! I am also going to contact President Trump about it!! I have a ten day grace period to pay which is not until tomorrow and that is if they are counting all days instead of just business days as they should!! I paid the same day I have for the last six months and have NOT been charged a late fee in the past, this was retaliation for my complaint to you!!! 

I am also going to contact my lawyer about it as I already have one class action started against a bank and not afraid to start another with  Honda Financial if they want to start this XXXX!!! Do your job and enforce the laws on them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the Equifax data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify the account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this on my XXXX XXXX. It is not belong to me. It is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet Loan Services has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize three of the hard credit inquiries on my report. These are XXXX XXXX via XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX from XX/XX/XXXX, and XXXX XXXX XXXX from XX/XX/XXXX. 

I also reported an account on my report titled XXXX XXXX XXXX XXXX # XXXX '. This is not my account, and I am not responsible for it. 

I sent a letter to TransUnion to request the removal of the incorrect inquiries off my report. They failed to respond within the 30 day time-frame allowed under the FCRA. TransUnion is now in breach of the law by continuing to report the aforementioned derogatory information on my credit report.
Product: Credit card or prepaid card

Recieved a letter I'm mail on XX/XX/XXXX about a card I never applied for through Kohl's.I have an unauthorized inquiry on my XXXX credit report.i have asked kohls to remove this inquiry to no avail. The last 4 of my social are XXXX
Product: Student loan

I am filing a complaint against Wells Fargo financial services for student loans that they have apparently charged off because it is showing up on my XXXX XXXX credit report even though I am making monthly payments. The loan numbers are # XXXX and # XXXX I would like Wells Fargo to send me all the documentation on these loans including all of the phone transcripts of our conversations during this time. The loans were put on a Covid deferment since I was a physician helping during a very stressful pandemic. The loans can not be charged off unless there was not a payment for six months and this was not the case because I was in a Covid deferment or forbearance for three of those months. They stated on the phone that it was my responsibility to contact them every week during a pandemic mind you and let them know what was going on. This is absolutely ridiculous! I have contacted them numerous times about having these charge offs removed and they are refusing to do so. 

Keep in mind during this whole time I did not speak to Wells Fargo one time. My wife may have but these are not her loans, these are my loans. I never received a phone call and I never received anything in the mail regarding these loans. I have a lot of student loans out there because of medical school. I have never defaulted on anything! It was due to poor communication on their part and it is completely unacceptable. The charge-offs need to be removed from my credit report immediately. 

Again I am requesting all documentation pertaining to these loans as well as phone conversations that my wife XXXX XXXX and I have had regarding these loans. I can tell you that if I ran my practice the way that Wells Fargo runs their business I would have no patients and I would not be successful. They should be ashamed of the way they have handled the student loans. Especially when someone is obviously willing to pay them and then instead of them working with that person during a pandemic they decide to submit these loans as charge-offs. Like I previously stated I have student loans with many other service providers and I have never had this issue.
Product: Checking or savings account

I am trying to transfer out the balance from my account, which is {$5000.00} XXXX plus interest ). 

On 3 occasions I have requested this, and the bank has yet to respond. 

I requested this on XX/XX/2019, again on XX/XX/2019, and a third time on XX/XX/2019. 

Simple has not responded to any requests, and their website isn't functioning correctly to allow me to initiate the transfer online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$0.00} while also showing a " {$19000.00} written off. '' This is contradictory and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Incorrect Payment History My report shows inconsistent delinquencies, such as " ND '' ( No Data ) in XXXX and XX/XX/XXXX, yet " CO '' ( Charge-Off ) appears before those dates. This timeline is inaccurate and misrepresents the true payment history. 
Unverified Ownership and Transfer of Debt The account was allegedly sold to " XXXX XXXX XXXX XXXX. '' However, there is no documented proof that this company has legal authority to report on this debt under 15 U.S.C. 1681s-2.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 my bank which provides free alerts for me notified me about a hard credit check by Bank of America. I did not authorize this so immediately on the same day, I called B of A and told them it was not me who authorized them to both do a credit check and open a new credit card in my name. They quickly cancelled the card and told me they would take it from there. In addition, I immediately joined the 3 major credit bureaus XXXX, XXXX, and XXXX and put a freeze/lock on my credit. I also called my bank to put a verbal password on it. I believe the credit check only appeared on XXXX and Ive since called them and reported the fraud. They have or will have it removed. XXXX asked me to report it with your services here as well. Thank you.
Product: Credit reporting or other personal consumer reports

I have mailed dispute letters to all three bureaus and XXXXXXXX XXXX disputing the accuracy since XXXXXXXX XXXX XXXX  they have yet to accurately report to my credit report and are breaking law by reporting late payment to collection accounts. the account was sent to collections XX/XX/year>XXXX  and the have been reporting late payments when the debt is no longer owned by them which is illegal according to FCRA ( 15 U.S. Code 1681s-2 ) and FDCPA ( 15 U.S. Code 1692e )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE  XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXX and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )
Product: Credit reporting, credit repair services, or other personal consumer reports

Received hard credit inquiry without any consent, form, request or verbal or written authorization to do so. I found out when my. Credit monitoring alert notified me on this hard Inquiry hit. I am not inquiring on new debt or soliciting for any services from any retail company as I am closing on refinancing for my home. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Hgreg.com has made inquiries in my credit without my consent and would need said hard inquiries removed.