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

I am filing a complaint against XXXX, XXXX, and TransUnion for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n, which holds credit bureaus civilly liable for willfully reporting inaccurate information and failing to comply with FCRA requirements. 

The violations include, but are not limited to : XXXX. Failure to Update Sold Accounts : Multiple collection accounts on my credit report were sold to new creditors but remain inaccurately reported by the original creditors. These accounts are not marked as sold or transferred, nor do they reflect a {$0.00} balance, in violation of FCRA 623 ( a ). 
XXXX. Inconsistent Reporting : The credit bureaus are reporting inconsistent and incomplete payment histories for the same accounts across different credit reports ( e.g., payment history is reported on XXXX but missing on XXXX ), creating discrepancies that violate FCRA standards. 
XXXX. Failure to Verify Information : The credit bureaus failed to reasonably investigate disputes I submitted under FCRA 611 ( a ), continuing to report unverifiable and inaccurate information. 

Additionally : XXXX XXXX  data breach, which exposed sensitive consumer information, demonstrates a pattern of negligence. 
XXXX has a history of failing to properly verify disputed information and has been sued for similar issues. 
According to FTC guidelines, unverifiable or inaccurate information must be promptly deleted from credit reports. 

These repeated violations have harmed my credit score and caused financial and emotional distress.

Legal Basis for Complaint : Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for each violation of the FCRA, in addition to any attorneys fees, court costs, and punitive damages.

Resolution Requested : I demand the following actions : 1. The immediate deletion of all inaccurate, unverifiable, and outdated information from my credit reports.

2. Written confirmation of the deletions.

3. Compensation of {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance.
Product: Mortgage

I called Wells Fargo Home Mortgage on Thursday XX/XX/2018 because Wells Fargo had charged me {$1700.00} for home owners insurance. I explained that I did have home owners insurance. The representative insisted that I had to get my insurance policy reinstated or I would be charged the fee to get my house insured. I gave the rep the name of my home insurance company name, policy number and amount that I paid. The rep said I would have to reinstate my policy and hung up the telephone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found some errors in my credit report connected to 15 USC 16c-2, where hard inquiries were made without my permission. Kindly remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXXXXXX XXXX system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,
Product: Debt collection

CAPITAL ACCOUNTS is in violation of the FCRA. Collection agency is reporting old debt as new. Reaging the debt and negatively impacting my credit score. They are in Violation of the FCRA has occurred as this debt is seven years from the time of my first delinquent payment was originally due on the account to the original creditor. Additionally, they have failed to contact me regarding this debit so that I may validate on my own. 

Account Info Account number XXXX Collection opened XX/XX/2017 Account type Collection Department / Agency / Attorney Their contact information is : XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

My loan servicer, Fay Servicing , LLC is avoiding me. 
I submitted a Loss Mitigation Option Application on XX/XX/2021. I completed the full application and specifically asked them to notify me if their was any other information needed from me to go over options to save my home from foreclosure. They responded and said they were backed up with applications and that I needed to be patient and that they would contact me as soon as they were able. 
I logged in to my account every week since XX/XX/XXXX, where I submitted the application to check on the status of my application. I have received no word regarding my application from Fay Servicing for Loss Mitigation options. I sent a letter to the complaint department of Fay Servicing on XXXX. 
When I noticed a Notice of Trustee 's Sale posted on my house today from the XXXX XXXX XXXX, I called Fay Servicing. The agent told me I was not able to have options from loss mitigation because I failed to submit my tax returns with my application ( this was not asked for on the application ). The agent also said they did not have a profit/loss statement from me with my application which is not true. I submitted a profit/Loss statement with my application on XX/XX/2021. The agent informed me that all I could do was pay the overdue balance on my mortgage to reinstate my mortgage and that Loss Mitigation Options were now off the table because of the Trustee Sale and they didn't have time to process my application because my application was incomplete. 
This is the first time I was told my application was incomplete. Fay Servicing did not call, or write and tell me my application was incomplete. My online account says that I submitted a complete application. Why is Fay Servicing being coy about my mortgage account and getting things worked out so I can keep my house. 
We have listed our house for sale with a real estate agent because we are not getting any information or help from Fay Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there is a collection on my report I never used XXXX XXXX XXXX
Product: Vehicle loan or lease

I would like to know how I qualified for an 18 % interest rate on a loan where my credit may have not been the best but it was not as derogatory to qualify for that interest rate. I would like to know if I am entitled to some of my money back and if there is a cap on the amount a company is allowed to charge a person. You can go back and check my credit from the time I got the car and I only recall having a collection account along with medical collection accounts. My bills were paid monthly and on time. I believe that the car dealership received some type of compensation for the sale and loan on why the rate was so high. This during a time when the interest rates were relatively low. Then the company does not offer refinancing but its really unfair that I have to refinance when I should have received a better interest rate from the beginning. I think that Capital One needs to refund me some of my money because of the deceptive, unfair, and predatory practices they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$100000.00} ; XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

The company capital one put a hold on our funds, and then stated that they are performing an audit and that the count will be closed. They still have our funds and have not told us when the audit will be complete.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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

According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bringing the sum of all charges so I can not be penalized for something that is already paid in full.

15 USC 1666b ( 4 ) ( 5 ) - The companys failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance ) Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed Sallie Mae loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and Navient/Sallie Mae. Navient said I had a XXXX   balance, and I was not attached. All three credit bureaus said that Navient told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
Product: Debt collection

I contacted IQ Data International on XXXX after receiving a letter about a debt owed. The letter stated that I would be allowed to settle the debt for 30 % if I called before XX/XX/XXXX. When I spoke with the representative, I was offered an amount of {$790.00} to settle the debt, but for an additional {$340.00}, they would erase the account altogether. I opted to pay the XXXX, and received the confirmation letter that the account was closed. I was told that the option to call back and pay the {$340.00} would remain available until XX/XX/XXXX. Today, I noticed on my mobile banking app that they ran my debit card for the additional {$340.00} without my consent. I called, and was told that I needed to contact them prior to XX/XX/XXXX if I did not want my card ran. I told them that I never consented to this amount, and was told that they had my consent recorded, and refused to further investigate the matter. I was then told to " stop wasting their time '' and there was no further escalation process. I have contacted my bank to dispute the charge. The representative I spoke with was verbally abusive, telling me that since I " loved to talk '' that he wasn't going to continue to help me. I called back, and was transferred back to him again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent identical investigation requests to XXXX, XXXX, and Trans Union back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from XXXX or Trans Union.
Product: Debt collection

Information showed up on my credit report as a collection in the amount of {$290.00}. I have disputed information with credit reporting agencies and I still have not received any information from the company who is reporting this debt. The credit reporting agencies just reply back that it is verified. I have disputed this information twice at this time. I have not had any communication from the agency reporting the collection.
Product: Checking or savings account

I had a wells Fargo checking account and I was informed that my account was XXXX overdrawn due to returned checks but I never deposited or tried to cash any check I didn't even have a check book with my account next thing I know my account is totally just erased bo Trace of me in there system I was told by several agents my online login information was just completely gone and I couldn't even find my account with my personal information
Product: Money transfer, virtual currency, or money service

I've been with coinbase for almost a year and never had any trouble transferring money. A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about several times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about {$14000.00} in XXXX in this account. So i would like to be able to manage my account. I have validated my account through multiple ways even had complete access to my account for over a year and now my account has been locked for further verification. I completed the further verification process and my account is still locked. I have spoken with support and they have said no further information can be provided and please wait an additional number of days. This is the XXXX time I have been told just to wait with no explanation. I have asked for a supervisor or an ombudsman and have been repeatedly told they do not have that. Now a rep, XXXX, from Coinbase is telling me to just be patient after XXXX weeks of my account being locked. 

XXXX Is the Customer Service XXXX XXXX number # XXXX Hopefully you guys can help me out. Kind regards XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 fund was transferred from my Wells Fargo business bank account to a fraudulent account at XXXX XXXX in the amount of {$9800.00}. Subsequently, {$9800.00} On XX/XX/2021 was wired from my Wells Fargo business Account to an unknown individual in California according to a bank representative that I spoke with over the phone. Wells Fargo denied both claims siting that there appear to be no fraud and seeking to place the blame back on me as if I authorized the transactions on the account.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off my loan with XXXX. In turn my Gap Insurance was cancelled on the same day. The company policy for XXXX XXXX XXXX is 10 business days for refund of Gap Insurance payments. I initially contacted them on XX/XX/XXXX to make them aware of the cancellation and expectations of the refund of {$800.00}. I was told the check would be mailed on XX/XX/XXXX. 10 business days from the date of cancellation. I called again on XX/XX/XXXX and was told they had n't mailed the check they would mail it out on XX/XX/XXXX. On XX/XX/XXXX I called again and was told their was no payment due to me? After a few minutes of back and forth I was told the check would be mailed that day. I called again on XX/XX/XXXX and was told the check had n't been mailed yet and they would send an email to payment processing to check on the hold up. A few hour later I receive a call from XXXX in the rebatables department. Reassuring me a check would be mailed out that day. XX/XX/XXXX I call again and I am told there is a not that a payment should be sent out but no payment has been sent out as of yet. My issue is I missed a very important trip to me. XX/XX/XXXX XXXX vs. XXXX in XXXX my son plays for the XXXX and these funds were to be used to Fund this trip. The refusal by this company to refund my monies is shameful. Please look into their practices. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX AUTO XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX Actions taking credit bureau is taking longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my  3rd  dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Product: Debt collection

There is a company called MAC with phone # XXXX calling saying that I owe a debt from XXXX with an XXXX Loans. I have never taken out a loan with any company by this name. Furthermore, they are giving this information without even verifying who I am. They ask name only and then give me the last XXXX of my social. They are referencing a company I haven't worked for since XXXX and saying I took out the loan when I worked for them but yet stating I took out the loan in XXXX. The message left is threatening. Hello this message is intended for ______________ if this is you please press XXXX _______ ___________ my name is XXXX XXXX calling with payment processing the reason for my call today is to verify the address we have on file as we are preparing documentation to file in your case we have now made several attempts to reach you via mail and also XXXX phone calls which were unsuccessful you've now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you we need to speak with you immediately today at XXXX again the phone number is XXXX so you can press one now thank you and good luck This was left on an initial call when no other calls have been made and no attempts in mailing me have been made. When I call, they hang up, yell at you, tell you you need to grow up and handle your debts, tell you to get over yourself, and specifically state they will continue to harass you if they want to even when told to stop calling. They are calling my family as well leaving threatening messages. This company needs to be stopped. The phone number they are calling from is a different number than they are asking to call. When I block the number, they start blocking their number and leaving the same robocall voicemail. The XXXX number is documented on XXXX by many people across the XXXX with the same actions being taken against them. Please take action. These people are trying to scam hard working Americans out of money.