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

i purchased a vehicle through XXXXXX/XX/XXXX. When going over the financing application i spoke to a representative from XXXX they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option.XX/XX/XXXX targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This XXXX organization needs to be held accountable for their lies and deception
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent inquiries on my credit report across all major credit bureaus Experian, TransUnion, and Equifax. I have already filed a complaint with the FTC regarding this matter. I demand the immediate removal of the following unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Banks ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( Bank Credit Cards ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XX/XX/XXXX XXXX XXXX ( Bank Credit Cards ) XX/XX/XXXX These inquiries were made without my consent , and I am requesting their immediate removal from my credit report. Please investigate this matter promptly and provide written confirmation once these fraudulent inquiries have been deleted. 

Attached is a copy of my FTC complaint for your reference. 

Thank you for your swift attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Bridgecrest on XX/XX/2022 and they responded with a letter that asked to verify my identity which I did on XX/XX/XXXX. I rewrote them on XX/XX/XXXX asking they remedy the situation. I asked they send a copy of the original contract and correct the negligence they've posted on my credit report in addition to sending a check for all their negligent reporting on my credit reports. Why does the CFPB have a website that is supposed to help me mediate and or completely rectify these wrong doings if they get to continue their bad business practices?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Recently I did a investigation on my credit report and found several items on there to be inaccurate. 

XXXX XXXX XXXX XXXX - Compliance procedures. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. 
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy of Report 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. 

( 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. 

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

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I havent received any investigation results.
Product: Debt collection

The debt was from XXXX XXXX XXXX back in XXXX for {$640.00}. The hospital has been closed for about 3 years now. I claimed bankruptcy chapter XXXX on XX/XX/XXXX and was approved XX/XX/XXXX. On XX/XX/XXXX Collection management company added the collection back to my XXXX and XXXX credit reports. This collection was included in my bankruptcy months earlier. I gave them my bankruptcy paperwork to have the current outstanding credit collections removed from my reports to no avail. Can you please help me. They are saying on my reports that the debt is still owed. It is from Collection Management Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or about XXXX XXXX, I visited Wells Fargo Bank, to applied for a FHA loan for a Modular Home. I was referred to XXXX XXXX, for a mortgage loan. He sent a link for me to do the application on line. I completed the questions for the loan and submitted it to Mr. XXXX. 

Once he got the paper work, XX/XX/200, on line and checked my credit through XXXX XXXX, credit bureau he called and told me they do not finance Modular homes. First of all why did he check my credit if they did not finance those type of homes ( Modular ) When I question him about checking my credit, he stated I did not tell him what king of home I wanted. That was not true, he is saying I can just walk in to Wells Fargo Bank FHA and say I want a house and you don't ask what kind of house are you looking for. 

His supervisor, referred me to Ms. XXXX XXXX, to investigate the case, she states a called would be returned to me on XXXX, I tried to call her before that date to give further info I saw on line. she did not return a call, only on XXXX I was given another date on XXXX, no info. 

I ask for another supervisor, he stated that I cancelled the loan, that's not true, why would I keep calling to get a loan. Then Ms. XXXX called back on XXXX, states she will call me back on the XXXX, of this month. The company in SC, called XXXX XXXX, they have a customer from Texas, Wells Fargo bank buying a home at this same co. that only sell these kind of homes. I went to this bank because they are a FHA, bank these homes are FHA Also there is a handbook on line with Wells Fargo Bank, FHA for this company
Product: Credit reporting

On XX/XX/2017, I discovered XXXX under account numbers # XXXX, # XXXX, and XXXX had been re-inserted into my credit file. The accounts were originally DELETED on XX/XX/2017. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Product: Mortgage

To the attention of Specialized Loan Servicing : #  XXXX  After man y attempts to resolve the issues that have been submitted in prior complaints, there has been no effort or attempt to investigate or look into the issues we have brought to the attention of Specialized Loan Servicing ( SLS ). I have informed you that these documents alleged to be my loan agreement are not the papers I signed at any time. So it stands to reason you have no authority from me or my wife to be collecting o n papers I did not authorize.   PLEASE NOTE TH AT ALL PAST, PRESENT AND FUTURE PAYMENTS ARE MADE AND HAVE BEEN MADE TO PROTECT US FROM HARM AND ARE MADE UNDER PROTEST AND WITHOUT PREJUDICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i section 5 ( D ) ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. 

accounts XXXX account # XXXXXXXX XXXX  account # XXXX This accounts by the other consumer reporting agency were found inaccurate information and Removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit card or prepaid card

I can't close my XXXX  XXXX  because the customer service line does not authenticate my information and provides no other recourse. This card has a annual fee of {$99.00} which I will be charged soon. 

Specifically it is a automatic system that asks for your 16 digit account number and then the last 4 of your social security number. The system does not accept my information and the company does not provide any other means to contact them other then by postal mail or fax. 

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

How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?
Product: Mortgage

Unfortunately due to the death of our mother and my father health condition ( XXXX ) caused them to fall behind on their mortgage. My fathers decision was to sell the home as he won't be able to maintain the property in his current condition. Our real estate agent submitted a short sale package to PHH on XX/XX/2023 they submitted the necessary documents to start the short sale. On XX/XX/XXXX, they were advised that the document for us to be added a Successor in interest was completed and now we can move forward. On XX/XX/XXXX, they submitted the remaining documents for the short sale. They followed up on XX/XX/XXXX and were told that due to CFPB guidelines we could not be reviewed for any loss mitigation. The representative was unable to explain to them what that actually meant. They requested the denial letter in hopes there would be a clearer explanation as to the denial but as of today they have not received it only response is that they are working on the denial letter. I tried to locate the CFPB guidelines which states that we can not be reviewed for any loss mitigation option and all I was able to find was that they have to review within 40 days of auction which we do not have an auction at this time. So as of now we are at a stand still because we don't know the real reason of denial.
Product: Checking or savings account

Suntrust decided to close my account because my wife deposited her check in it and they took that as fraud! This bank told me that the account is under review and they will close it and send me a check for the balance and I have not received anything. I have spoke to many supervisors and they keep giving me the run around! I am not rich and now they have held three of my paychecks because they have not closed the account as they said they were doing over two weeks ago! I have kids and bills! This is crazy! Especially in this pandemic people need there hard earned money! They are not allowing me to take out money but they sure are quick to keep the deposits! The people I spoke to treated me like someone from the street with zero respect nor understanding. I want my money now! Stay clear of Suntrust! This has been going on since XX/XX/2021!
Product: Credit reporting, credit repair services, 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. XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights. XXXX5 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX .... Balance : -, XXXX XXXX  XXXX .... Balance : -, XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX XXXX XXXX : {$8300.00}, XXXX  XXXX XXXX .... Balance : {$950.00}, XXXX XXXX XXXX .... Balance : {$11000.00}, XXXX XXXX XXXX XXXX XXXX. Balance : {$1600.00}, XXXX XXXX XXXX  XXXX .... XXXX XXXX {$4200.00}, XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX : {$530.00}, XXXX  XXXX Balance : {$800.00}, XXXX XXXX XXXX... XXXX : {$3200.00}
Product: Credit card

I was victimized by a lottery type scam ( PCH prize patrol impersonators who were to pay off all my credit cards and persuade me to use my cash advance features to gather XXXX dollars in cash for up front fees to insure a XXXX cashier 's check to come to my door from XXXX. The accounts they used to pay off my debts belonged to other victims of this scam. The full balance payments bounced and Target Red Card Services ONLY HAS A DISPUTE DEPT-INSTEAD OF FRAUD. THE REPS WERE FROM XXXX AND OTHER COUNTRIES. SOME LIED AND SAID THERE WAS A FRAUD DEPT. OTHERS SAID I WOULD HAVE TO USE VENDOR TRANSACTION DISPUTES FOR THE FRAUDULENT PAYMENTS WHICH WERE NOT CHARGES TO A VENDOR MERCHANT. INSTEAD OF EXPEDITING AND REVERSING LATE FEES- ( THEY WOULD NOT ALLOW ME TO MAKE A PAYMENT WHILE THE FRAUDULENT FULL BALANCE PAYMENTS WERE STILL PROCESSING AND NEVER UNDERSTOOD WHAT I WAS TRYING TO TELL THEM. ONE FOREIGN REP ASKED ME 5 TIMES IF I WAS CALLING ABOUT A CRDDIT OR DEBIT CARD. TARGET HAS MISCLASSIFIED MY ACCOUNT AS REVOKED FOR LATE OR BAD CREDIT AND THEY SHOULD HAVE IMMEDIATELY RESOLVED THIS AND WAIVED THE LATE FEES AS A COMMON COURTESY. 
THEY TOLD ME IT WAS NOT FRAUD. 
I CONTEST THIS AND WILL REPORT TO THE BETTER BUSINESS BUREAU THAT TARGET MISREPRESENTS THEIR CREDIT CARD 'S SECURITY AND INTEGRITY OF PRIVACY PROTECTION AND HAVE FOUND PERSISTENT DISCREPENCIES IN THE AUTOMATED TELEPHONE PAYMENT CENTER. I AM ALSO SEEING HIDDEN fees.
Product: Debt collection

I received numerous telephone calls from Portfolio Recovery associates regarding a account they said I owe to them. I have never opened an account or signed any contracts with this company. I requested all communication with me to be done via mail or email back in XX/XX/2018, I continued to receive phone calls with scare tactics being used about being sued and or negative credit reporting. I requested validation of the said accounts and Portfolio Recovery kept sending me the same auto generated letter stating they purchased debt that I owe. I advised this company that I have no known knowledge of the account and to send written documentation providing that I owe them. I received a letter on XX/XX/18 dated XX/XX/18 that included some incorrect statements and a message again saying that I owe them. I sent a validation request via certified mail XX/XX/18 asking for my signatures, contracts, or default notification stating that I owe their company. And again they sent me the same auto generated letter stating that they brought debt from a company and I now owe them. Portfolio Recovery has failed to comply with Federal guidelines and have continued to report negatively to the Credit Bureau without properly validating this account. This agency is violating FCRA by submitting debt under my name to major Credit Bureaus that is unsubstantiated and validated insufficiently. It is unlawful to report to the credit agency without meeting FCRA criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance on my Wells fargo credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XXXX/XXXX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed from my credit report as promised. Ive disputed this claim with XXXX and XXXX to no avail. This was not the agreement I made when completing my payment and my credit report should reflect that accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XXXX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XXXX & XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XXXX/XXXX when I reported fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX. I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXXdays. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Checking or savings account

When I opened these accounts, Chime checking and Chime savings, I was told id receive no charges.After approx 3 months, I went into my accounts to go over my monthly statements. Each Account had the same statement for 3 months. I immediately called and ended up almost losing it with their customer service. They had no logical reason why my statements weren't showing each accounts trans actions. It's only gotten worse since then, the only reason why I haven't closed my accounts is because I want my money back!!! On the statements that were there have monthly deductions for my XXXX XXXX Account that i knew nothing about. Thats when the lies became nonstop. Trying to make me believe the deductions werent really deductions. The real crazy thing I figured out was the total of their monthly deductions was equal to my colleges last rant deposit!!! Then when I finally got my montly statements, there were so many unauthorized transactions. I called and filed a claim. This is when their actions make it a justifiable lawsuit. They actually changed the amounts, the trnsactions of my disputes to the {$5.00} atm charges. And then they denied each dispute saying these charges are liable. I've never in my life experienced such blatant illegal actions with my money and not even attempting to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reportd on my Credit Report as well inability to report accurete only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesing that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/2022 under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. The Credit Bureuas have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verifiued. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureuas to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Checking or savings account

Bank of America has rejected an incoming ACH two times after I provided the information to XXXX so they could refund a payment made in error to XXXX XXXX XXXX XXXX via online bill pay. XXXX manages XXXX XXXX XXXX XXXX Credit Card. I have now incurred two account maintenance fees because my account is below the daily minimum which would not have been the case had they not rejected the incoming wire. Why is the wire being rejected? Bank of America is well aware of this issue as I originally filed the complaint with them.
Product: Vehicle loan or lease

PURCHASED A VEHCLE FROM DRIVETIME XX/XX/XXXX THE VEHICLE WAS REPOSSED IN XXXX DRIVETIME REPOSSED THE VEHICLE AND CHARGED IT OFF. DRIVETIME THEN STATED THAT THE VEHICLE WAS SOLD AND THAT IM LIABLE FOR THE REMAINING BALANCE. THE LOAN CONTRACT FOR THE VEHICLE WAS A PERK FOR CONTRACTING WTH DRIVETME ( ASSET SWAPPING ). I PROVIDED A DOWN PAYMENT OF {$600.00} - I WAS QUOTED XXXX CASH PRICE! I ALSO UNKNOWINGLY GAVE SECURITY INTEREST TO DRIVETIME - WHICH I AM NOW ASKING FOR THE SECURITY INTEREST BACK! DRIVETIME IS PRIVATELY RESALING THE SECURITY TO DIFFERNT INSTITUTIONS. 
THE FINANCE FEE IS THE SUM OF ALL CHARGES. 
ALSO DRIVETIME RE-AGED MY ACCOUNT BY UPDATING THE LAST ACTIVITY ON MY CREDIT REPORT IN HOPES OF KEEPING THIS HARMFUL AND NEGATIVE INFORMATION LONGER ON THE ACCOUNT.