23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I paid my lease in full to American Honda Finance XXXX on XX/XX/XXXX and they have verified that it has been paid in full. They still remain on title as a lienholder. I contacted them numerous times since XX/XX/XXXX ( yes XXXX ). They emailed me an odometer statement which I filled out and sent back to them in XX/XX/XXXX and again in XX/XX/XXXX and again XX/XX/XXXX. They said they still havent received it and sent me another one. I sent it back again. I did this a XXXX time. It has been XXXX years, yes XXXX years! This lease was paid in full as I exercised my purchase option and paid it in full with certified funds on XX/XX/XXXX and I still have not yet been given a clear title. They still show a lien on my title. This car has been totalled and this has been a huge problem because my insurance company is unable to settle my claim because they still show that there is a lease against it ( when there is not ). This has been XXXX years!! I have called XXXX numerous times with extensive hold times ( hundreds of hours ). Then they keep transferring me from XXXX department to another. I have verified with every department that I have 100 % paid this vehicle off in full and am the owner outright. American Honda Finance XXXX has been terrible to work with. Their customer service is horrible. This is a simple issue and should not be delayed. They have received all of their money XXXX  years ago. But I have not received my collateral. This is unjust, unfair and they should not be allowed to get away with this. I am a senior citizen and deserve protection from this scrupulous company. I paid every all of my monthly payments on time and paid the full lease buyout at the end. They are 100 % paid and there is no excuse for this.
Product: Credit reporting or other personal consumer reports

- XXXX, XX/XX/year> : XXXX ) After seeing incorrect account status and balance for XXXX XXXX XXXX ( Account Number : XXXX ) on credit monitoring website, I reached out to XXXX XXXX XXXX to request proof of updated information of " PAID IN FULL in settlement with {$0.00} balance ). 

XXXX XXXX XXXX XXXX XXXX confirmed this information as well as that their company has reported to the XXXX major credit bureaus TO DELETE THE ACCOUNT on XX/XX/year> and sent me proof of such requested resolution via email. 

XXXX ) I reached out to Equifax whom is still reporting this incorrect information but Equifax representative informed me that it would be removed. However when I asked when would it be removed, he stated " soon ''. Therefore I asked to receive an email with confirmation that he put in for the removal of incorrect information but he refused to do so. 

XXXX ) I asked to speak to a supervisor or manager several times before he put me on hold and didn't come back.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Product: Credit card

The bank in question reporting my payments as being late from XX/XX/2016-XX/XX/2016. I was set up on automatic payments for that time frame in question and every payment came out of my checking account at the same time every month and was never late but yet they have reported me late every month until i finally had to pay them and close my account with them for the damaging effect they were having on my ability to get a home loan with the best possible rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted this company who in fact could not locate this fraudulent account but continues to report it on my credit report. Which brings me back to the credit bureaus how are they validating these accounts if the creditor can't even locate you by your ssn
Product: Credit card or prepaid card

On XX/XX/2020 a fraudulent charge of {$300.00} was made on my credit card for a cash advance. I have never used a credit card for a cash advance. I was alerted to this charge by my credit card ( Capital One ). After speaking to their fraud department the charges were reversed. 
I then received a letter on XX/XX/2020 stating that there is insufficient evidence of fraud and then charge of {$300.00} was added back to my account. 
After calling three times, being placed on hold for hours and once being told the dispute was still under review they finally told me their decision was final. 
As mentioned I have never used a credit card for a cash advance and don't even know what my pin number is. 
The charge was made while I was on vacation, and I have receipts from another credit card where you can see I was not home. 
Capital One sent me a replacement card in mid XXXX because my current one was expiring. I never received this card. When I called in XXXX about it their automated system told me to wait a few days before reporting it lost. They eventually sent me another card, the original was never received. 
The transaction was fraud, was not made by me. I attempted to explain and reason with them but they were not receptive.
Product: Credit card or prepaid card

I have a Barclay 's Aviator Mastercard. I have always paid on time until the last 4 months when on 2 occasions my checks were delayed in the mail for 1 month either by the Post Office or on Barclay 's end. I have documentation from my bank that I have paid in full ( minus Barclay 's late penalties and fees ) for everything from XXXX until the present. In XXXX I made a wire transfer from my bank to Barclays on XX/XX/2020 because I received a call from Barclays that they had not received my check in the mail. At the same time I stopped payment on the check which had not arrived by XX/XX/2020. I have documentation from my bank and online at my Barclays credit card account that the wire transfer was received and the check was cancelled on the same day. Later on XX/XX/XXXX the lost check arrived at Barclays and they applied it to my account ... because the check had a stop payment on it, the check was returned and Barclays reversed the payment. BUT, Barclays never credited me for the wire transfer of over {$4000.00}. I have tried 4 times to contact the company, once a representative hung up on me. Barclays has my money, I have proof, and they will not give me credit. I have paid on time for several years until this trouble with the mail over the past few months.If you make a list of what my balances are since XX/XX/2020 and my payments, you will see that I have paid in full but still retain a balance for the wire transfer and late fees.
Product: Vehicle loan or lease

I was unemployed from XX/XX/XXXX to XX/XX/XXXX due to the pandemic. I was able to make intermittence payments ; nothing really consistent. However, I called to see if there was some assistance that Chrysler Capital had to help their borrowers. I was told no because, I had filed a XXXX  XXXX bankruptcy but, reaffirmed that vehicle. Never received any correspondences from Chrysler Capital from that point moving forward. 

Once employed full time, I made double payments to get caught up. On XX/XX/XXXX, the car was repossed while vacationing in Texas. While calling to set up the time to claim my belongings from the vehicle. The Customer Service rep shared that this car had been charged off in XX/XX/XXXX. And yet, i had been paying. 

As of today, I still have not received any documentations from the finance company regarding this car.
Product: Debt collection

I received a collection letter from XXXX XXXX on Friday XX/XX/21. XXXX XXXX is found in Texas. I have never lived in Texas and did it authorize these accounts to be opened. Someone has my social security number in Texas and Im a victim of identity theft. 
This thief opened 5 energy bills in 5 different Texas locations. They were never paid off and they never left a credit card on file or anything to trace back to them. They used my maiden name and social to open these accounts. 
The cred collection company Penn Credit Corp. is aware as I called them right away on Friday when I received the notice of collection. The account number is XXXX. When I called the collection company they actually made me aware of worse news that I have 5 accounts not just one as stated in the letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : - XXXX XXXX XX/XX/XXXXXXXX. Account XXXX - XXXX XXXX XXXX account XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXXaccount XXXX XXXX XXXX account XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Checking or savings account

From XX/XX/XXXX - XXXX / XXXX / XXXX Wellsfargo had an unauthorized Death Insurance Policy on me in which they notified me 15 years latter when I received a letter dated XX/XX/XXXX. 
The letter requested me to call a XXXX and provide a reference number which I did. I was than informed of the horrible truths of what Wellsfargo did against me. I requested mediation services and completed the form in which asked me what I felt would be fair compensation to settle this issue I wrote a specific amount down and reason behind it and after 2 months during the mediation phone call I felt the mediator from XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was not understanding the severity and seriousness of the issue and and therefore no mutual agreement was met between me and Wellfargo. Wellsfargo has not made this right and had compromised my personal information such as social security number, drivers license information, etc
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and request the investigation and correction of inaccurate and incomplete information appearing in my credit reports. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the correction of any inaccuracies or the deletion of any information that can not be verified. 
# # # Summary of Disputed Information XXXX. XXXX XXXX XXXX Accounts XXXX XXXX   - Account Numbers : XXXX - Discrepancies : - Listed as charge-offs with varying past due amounts and payment histories across different reports. 
- Account Balances : {$93.00} and {$35000.00} respectively for the XXXX accounts. 
XXXX. XXXX XXXX : ** - Account Number : XXXX - Discrepancies : - Reported with inconsistencies in the last payment date and the reported charge-off statuses. 
- Account Balance : {$4500.0XXXX XXXX XXXX XXXX  Specific Issues and Required Actions : - **Inaccuracy in Account Statuses** : All accounts are reported with differing delinquency statuses and charge-off information. This information is inconsistent and misleading, affecting my credit unfairly. 
- **Payment Histories** : There are discrepancies in payment histories reported, with some months incorrectly marked as delinquent or not reported at all. 
- **High Balances and Credit Limits** : Reported high balances and credit limits do not match my records and show significant variations across reports. 
I am requesting the following actions be taken : - **Verify** all information with the creditors. 
- **Correct** any inaccuracies found or **delete** the information if it can not be verified as accurate. 
- **Provide me with updated credit reports** along with the documentation that supports any changes made. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice and to notify me of the results in writing. 
Please ensure that the necessary corrections are made to my credit reports. If these inaccuracies are not resolved, I will consider further actions to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit card

Was sent a flyer stating that I hadn't used my MACY 's card for 27 months ( I lost the card and could not find it ). I finally found it and tried using over the XXXX Friday week-end. It came up that there was no account number like that. Tried calling in my order and the voice said that there was no such number. I called Macy on XX/XX/2023 at XXXX and talked to XXXX. Was told that the account was closed on XX/XX/2023 and she could not open it back up. Read her the promotion and could use the Macy 's card and get 25 % off my purchases. I said I want to talk to a Supervisor ( XXXX ) and she told me the same thing. Read her the promotion and said she was sorry. I told her that's not the way to do BUSINESS!! I called the television station and told them what had happened and they told me to file a complaint with you and to try and contact MACY 'S again. I called MACY 'S on XX/XX/2023 at XXXX and talked to XXXX. Told her the story and she transferred me to her Supervisor ( XXXX ). Again... We are sorry and they can't do anything about this situation. Said that maybe some higher ups would call me-YEAH RIGHT!!!
Product: Checking or savings account

I am filing this complaint because Chase Bank has wrongfully withheld my funds and closed my account following a flagged deposit by their fraud protection unit. At the end of XX/XX/year>, I deposited multiple money orders totaling {$16000.00} into my Chase Bank account. Shortly after, my account was flagged, and all funds, including a total balance of approximately {$35000.00}, were frozen. 

Chases fraud protection team requested that I submit receipts in person to verify the deposits, which I promptly did. Despite complying with their request, Chase later informed me that they could not use the receipts to verify the deposits. 

Upon further communication with their fraud team, they stated that they were able to verify the money orders from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. However, they were unable to verify the USPS money orders because their policy requires verification over the phone, which USPS does not accommodate. Chase acknowledged that USPS money orders could not be verified by phone, but they have not offered any alternative solutions to resolve the issue. 

This issue has been ongoing for over XXXX months, despite my repeated attempts to cooperate and provide the necessary documentation. I am now left with no access to my funds, which are crucial for my financial needs. Chase has failed to provide a valid reason for withholding my funds or offer a resolution to this matter
Product: Mortgage

XX/XX/XXXX ientered a LOAN MODIFICATION WITH GREEN TREE. i MADE THE PAYMENTS TIMELY BUT MODIFICATION ENDED AFTER A YEAR. 

NEVER RECEIVED MONEY FROM DAMAGE TO ROOF DURING HURRICANE XXXX EVENT, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX HAS NO STANDING TO FORECLOSE MORTGAGE FRAUD MY MONTHLY MORTGAGE PAYMENT HAS BEEN {$810.00}. THEN ACCORDING TO CREDIT REFERENCE INQUIRY FROM COURT RECORDS A HELOC LOAN WAS TAKEN OUT ON MY HOME.. THEN MY MONTHLY MORTGAGE PAYMENT WENT DOWN TO {$790.00}. I NEVER TOOK OUT A HELOC LOAN I REFINANCED FROM XXXX XXXX TO XXXX IN XX/XX/XXXX. 

PLEASE NOTE THAT ACCORDING TO THE PSA FOR THE XXXX XXXX XXXX XXXX AS TRUSTEE ON BEHALF OF XXXX TRUST 2001-C CLOSED IN XX/XX/XXXX S0 HOW CAN YOU PUT THE MONEY IN THE TRUST.IN XX/XX/XXXX. I REFINANCED IN XX/XX/XXXX. 

PLEASE NOT THAT WHEN XXXX GOT THE MONEY FROM XXXX  IT WAS ALREADY SECURITIZED THAT IS PLACED ON THE STOCKMARKET SEE D POOL # XXXX, INVESTOR # XXXX. DID MONEY EVER EXCHANGED HANDS. 

ALSO I PUT LITTLE FAITH IN THE PROOF OF CLAIM FORM. FILED BY DITECH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to notify the bureau that the accounts reporting on my credit report have been closed and reached the term of 7 years and can be removed. They will not accept my right t reinvestigation. Even when they have been provided additional information. This is violating my right under FCRA XXXX. I want the account reviewed and updated to reflect they have met the 7 years since account closure. Please delete them.
Product: Debt collection

I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and no street address only a po box . However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reporting on my credit report associated with XXXX XXXX ACCNT # XXXX XXXXXXXX for the dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Upon calling XXXX XXXX directly. Their records did not match that information. 

I firmly contest and request these entries as inaccurate and invalid information. 

According to the Fair Credit Billing Act, privacy and consent exclusion specified under Section 15 USC 1666 b This transaction does not need to be reported. 

Thank you for your prompt response and resolution towards this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF ED/XXXX  XXXX, Account # XXXX ; XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX Account # XXXX has violated my rights. 

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 an account without my written instructions