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

Today XX/XX/XXXX I received a call at my place of employment from someone who didnt share their name yet asked for mine. Seeing that we are a business I didnt seem to mind it and told her who I was. It was at this point the lady responded by saying, oh Im calling to verify employment for a XXXX XXXX in which I immediately said no we do not have anyone with this last name. She then responded back saying okay thank you and hung up without acknowledgment of who or where she was calling from. It was at this point I decided to verify the number she called From and came to realize it was a company called Midwest acceptance who I had financed a vehicle through back in XXXX, so I decided to Call them back and ask if the call was for me and not a XXXX XXXX. The lady then said for me to hold and put me through to another gentleman who was very unprofessional confirming that I was the reason for the call and almost immediately threatening garnishments. Now in the prior years I disputed these charges due feeling that I was lied to by the dealership and Midwest because of a car accident that i was not at fault for but left with a balance and no car due to not being provided or offered gap. Midwest and the dealership knew that this was my first time financing a vehicle and argued with me stating that the reason I was not offered gap was because I would not have been approved for the vehicle if gap was added. After one year of fighting I decided to go to this dealership and came to find they had closed their doors for good leaving me once again in the dark. Fast forwarding to XXXX while checking my credit report I had seen that their had been 2-3 collecting agencies assigned at different periods to collect this debt but without communicating was showing closed and written off as a loss which then made me believe that I was now going to be left alone as the damage to my credit had already been done. As for today not only was I lied to about who was calling and who they where looking for but was immediately intimidated with threats to garnish if I did not make a payment. I then explained everything about my discrepancies and that I had seen multiple debt collectors assigned but that this had gone away and written as a loss but was told that Midwest has never reassigned and that I was a lying. This then printed me to request my original signed documents so that I could dispute this once again but before getting off the call was told that I needed to make a payment or expect garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple missed payments were reported for my XXXX account across all XXXX of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2019 my mortgage was sold from XXXX XXXX to Specialized Loan Servicing My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. SLS was useless not good customer service, never answered or helped. In fact I had to send in document XXXX times but by then my home was sold and I received notice of it oh about 3 weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are seniors. I have lost so much. Its so bad. Thanks SLS for all of your help. They love to put old ppl out on streets. we were XXXX
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to inequivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in XXXX 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the XXXX XXXX compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, XXXX XXXX Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete XXXX XXXX  : XXXX XXXX XXXX XXXX # XXXX, XXXX Terms Duration : Unconfirmed! That is not a accurate balance.
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. 
Account name : # TransUnion Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 generallf, 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, credit repair services, or other personal consumer reports

XXXX  credit report is showing a Hyundai motor finance negative account on my credit report as active because the Hyundai motor finance posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows Kia Motors finance which got sold to Hyundai in XXXX, Kia Motors shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.
Product: Credit card

A store impersonator tricked me and asked me to transfer money to receive the items. 
The transaction occurred on the evening of XX/XX/2023 to the morning of XX/XX/2023. 
I filed a complaint with paypal and they did not accept the refund. The total amount is XXXX XXXX.The transaction company is Paypal and the credit card is XXXX XXXX.
Product: Credit card or prepaid card

This is regarding dispute number XXXX. 

Because of the way Citibank billing disputes has handled my account, I need to verify through their executive office that this charge was resolved in my favor and the merchant was not paid for this transaction. I e-mailed additional information to billing disputes on XX/XX/XXXX despite Citibank issuing me a permanent credit with no additional documentation required.

The original amount of the bill was {$46.00}, the disputed amount was {$17.00}. The charge was made on XX/XX/XXXX, it was disputed on XX/XX/XXXX, and it was resolved in my favor on XX/XX/XXXX as a permanent credit with no other documentation required. Despite Citibank not requiring documentation, I am providing additional information for your records. 

On XX/XX/XXXX, I called the merchant. I spoke to XXXX, the manager that originally agreed to credit the bill. XXXX remembered the complaint. He apologized for failing to issue the bill credit and stated they were extremely busy training new employees during that time period, mistakes were being made in the kitchen, and he and the server should have made sure the refund was issued. I also discussed a prior dispute with similar outcomes dated back in XX/XX/XXXX and again addressed with him the problems we have had habitually at this location over and above these disputes. I further submitted a complaint on their corporate website over the weekend prior to talking to him, although the location had not been alerted to the complaint yet. I told him no additional compensation was needed above and beyond the disputed amount, so they are not sending me a gift card to compensate for the problems. 

So, Citibank should not have paid the merchant on this dispute. 

Another problem with this dispute is what is listed on the dispute summary. It states the purchase was made on XX/XX/XXXX. I accidentally typed in XX/XX/XXXX when I e-mailed billing disputes when I should have typed in XX/XX/XXXX. The purchase was made on XX/XX/XXXX. The reason why I made the error is because I based my dates off of the dispute summary. So, at some point, someone in billing disputes made a date entry error, because again, the date of purchase is incorrect through the billing dispute 's department. I am including a screen print of my dispute summary, a screen print of the transaction history showing the original date of purchase, as well as the date the conditional credit for dispute was issued. 

My statement reflects the conditional credit for the dispute was posted on XX/XX/XXXX. This is prior to the purchase date as clearly listed on the statement. On the following statement dated XX/XX/XXXX, it shows the conditional credit for dispute was resolved on XX/XX/XXXX. Prior to now, I have not been actively reading my statements. I have just gone off of the transaction history and the interest billed on my transaction history, calculating the interest in my head. 

I am including this following files in this document : the dispute summary, a copy of the e-mail to billing disputes, my transaction history showing the date of purchase and the conditional credit, and my billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report with XXXX, XXXX XXXX, and Equifax. I noticed several items that were incorrectly being reported on my consumer file.There were several inaccuricies with XXXXXXXX XXXX  Acct # XXXX. ( See Attached copy of consumer Report ). Across al three credit agencies with XXXX, XXXX XXXX, and Equifax. 

On date reported XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Active Trans Union XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Date Last Payment XXXX XXXX XXXX Equifax XX/XX/2019 XX/XX/2019 XX/XX/2019 Also, XXXX Bank violated my federal rights under FCRA 15 USC 6802. Obligations with respect to disclosure of personal information, Gramm-Leach-Bliley Act. There are certain requirements that are to be met, before a consumer personal information. Are to be disclosed the consumer under Norice Requirements must be meet.

If the requiremens are not meet, the consumer rights are violated under FCRA `5 USC 6802. Under this section, of the law my rights have been violated by not following the Notice of Requirements by law. Therefore, I demand that this account be deleted under 15 USC 6802.

( a ) Notice Requirements ; Except as otherwise provided in this subsection, ( a ) financial institution may not directly or through any affiliate disclose to a consumer non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

I the consumer has a right to privacy, 15 usc 1691. In the disclosure of my personal information. I did not give you written permission or instructions to disclosure of my personal information. 

You XXXXXXXX XXXX are in direct violation of 15 USC 6802, and 15 USC 1681b. Permissible purposes of consumer reports. In accordance with written instruction of the consumer to whom it relates, did I give you written instructions to furnish this on my consumer report, furthermore as it pertains to the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 )..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 late payments showing on my credit report from XXXX on two different loans. These loans were in forebarance and there was an issue with the forebarance continuance. The continuance of the forebarance was corrected ; XXXX stated all late payments were to be removed. 2 years later and multiple disputes they will not remove them.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit file. This account has already been removed from my XXXX and XXXX credit reports, indicating that the account was either inaccurately reported or no longer meets the criteria for reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, you are required to : Ensure Maximum Possible Accuracy : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain accurate and up-to-date information in consumers ' credit files. Since this account has been removed from the other XXXX major credit bureaus, its continued presence on my TransUnion report raises questions about its accuracy. 
Conduct a Prompt Investigation : Under 15 U.S.C. 1681i ( a ), I am requesting that you investigate this matter immediately. Please contact XXXX XXXX XXXX to verify the accuracy and legitimacy of this account. If the furnisher can not verify the account or provide supporting documentation, the account must be deleted from my credit file. 
Provide the Results of the Investigation : Within 30 days of receiving this dispute, I expect TransUnion to provide a written response detailing the results of your investigation and the actions taken on my credit report. 
I am also requesting that you provide : Documentation used to verify the accuracy of this account. 
Confirmation that the information reported by XXXX XXXX XXXX meets all legal reporting requirements under the FCRA. 
If TransUnion continues to report this inaccurate information, I reserve the right to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal remedies. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been investigated and removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 section 602 A states I have the right to privacy.

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

There was never any written instructions given by me. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX
Product: Credit card

Midland Credit Management sent me an offer and I negotiated it with them. I completed payments and they are still billing me for {$260.00}. When I called them in reference to it, I was told that I still owed one more payment and they had cancelled my offer so they deducted the offer from the original ballance and charging me the resting ballance of the full amount. They tricked me into this deal and now it showing up on my credit report. My phone number is : ( XXXX ) XXXX. My address is XXXX XXXX XXXX XXXX XXXX Tx XXXX. 
Midland Credit Management , Inc Account : XXXX Ballance : {$260.00} Offer 3 automatically deducted payments from my account 1. {$80.00} 2. {$80.00} 3. {$100.00} Then I was called over the phone and being charged the {$260.00} which was not required.
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : CONTRACT CALLERS INC ( ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) Allege Amount Owed {$200.00} I have No knowledge of this accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you : The items in dispute appear on my trans union credit report. Under collections they have two items listed from XXXX XXXX XXXX the collection agency for XX/XX/XXXX. I have had the same job for 25 years and use XX/XX/XXXX for my children. for this time period there were dozens of bills paid before and after these bills. As i have told them over and over THEY BILLED IT INCORRECTLY and therefore the insurance company wont pay the bill. 
This was totally their fault they waited to long and are Now fighting to have the bills paid But are being declined for untimely filing according to My insurance company XXXX XXXX. 

I have continually asked Trans union them to remove this from my credit report and asked XX/XX/XXXX and XX/XX/XXXX to remove it from collections but have had no success. This is costing me money at this point and Im hoping to get some relief from this complaint
Product: Checking or savings account

On XXXX XX/XX/year>, I requested an online savings account with BMO Alto. At the time, I wished to add my husband as a joint signer. My husband already exists as a joint signer on another account with BMO Alto. This extant account is in place for almost a year, and with a satisfactory history. The joint applicant request was declined, with no reason ( s ) provided either via the e-mail or when I spoke with a representative. The representative advised that I " make another application as there may have been a typo when completing the joint applicant form. '' On XXXX XX/XX/year>, I followed this advice from the BMO Alto representative but the same result occurred. Another opaque e-mail with no decline details, and another conversation with another BMO Alto representative which went nowhere. Again, I was told to " reapply as that was all they are allowed to tell clients. '' So now I am advised to apply again. I can not see the logic here. 

More troubling, though, is that BMO Alto is not giving us any reason ( s ) why they can not accommodate the joint signer request. Not just frustrating, but this is unfair of BMO Alto 's refusal to give us details to address and remedy whatever it is that is coming up in BMO Alto 's systems and which is prohibiting us moving forward on our request. 

There are no blemishes of which I am aware on either of our credit and financial profiles. We hold many accounts jointly at a variety of other banks and brokerages.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX