23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called to close my checking account on XX/XX/XXXX. I was told I would receive a check in the mail. I had not received the check so I called to follow up on XX/XX/XXXX. I was advised by the representative to call back on XX/XX/XXXX to reissue if I did not receive over the weekend. I called back XX/XX/XXXX to request reissue, which was granted. I had not received anything by XX/XX/XXXX, so I called again to inquire. I was told that I should receive by XX/XX/XXXX, and that the bank did not receive anything back from the post office, so the issue is likely with the delivery. I checked with the post office and they have not received anything. Also to note, I have never had issues with any mail correspondence for this address. 

I was advised that if I don't receive by XX/XX/XXXX that another check will be mailed, which concerns me because something clearly isn't working in that process.
Product: Vehicle loan or lease

On XXXX XXXX my wife and I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. I co-signed with my wife on the loan financed through Chrysler Capital, I believe we may have qualified for a interest rate than the one extended to us of 22+ %. During the pandemic I have made several attempts to refinance the vehicle for a better rate only to find out the LTV is to high. My wife was able to defer a few payments but that only makes the situation worse with the very high interest rate. We still owe approximately same amount on the vehicle as we did when it was purchased almost three years ago. I reached out to Chrysler Capital trying to get them to restructure the loan which they declined. I reached out to the President/CEO of the parent company on XX/XX/21 which he passed along to a lower level management team that still denied the request only offering to defer the loan more and that would not help the situation. They advised me they do not refinance there own loans and I should seek help from an onside bank. I advised them the issue is not wether or not I can refinance its the fact the the interest rate given to us did not allow us to gain equity in the vehicle, making the loan almost impossible to repay if there is the slightest issue and you need a deferment or miss a payment. If we were to defer a payment for two months that equates to {$1000.00} in interest added to the loan. We are unable to refinance or trade out of the vehicle because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under   XXXX   XXXX   from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian, XXXX, and XXXX for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans.

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts.

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law.

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

They keep calling every morning waking us up. They asked for someone else we told them they have the wrong number but they continue to harass us told them we have that number for 20 years and there is no such person at this number ( XXXX XXXX XXXX ) we have had it please have them stop we are retired we have no debts.. everything we do is paid for our credit cards are paid each monthits their responsibility to make sure they are contacting the correct person not mine to write them and explain who we are they are relentless in using the phone to irritate us they have the wrong person but dont except our response
Product: Debt collection

XXXX XXXX XXXX filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning Equifax. I tried to get free credit reports for over a month at myequifax.com. 

becasue they are incompetent and can not be trusted with Americans personal credit information. 

I could not access my report through that porital. 

Then I fled a complaint with CFPB and Equifax emailed me with information that also would not let me access my credit report. 

I tried to email them four times over apporoximately the last month, with no resonse from Equifax. 

Could you please fine the XXXX out of these incompetent and vindictive XXXX? 

When I finally get my credit report I will probably file a lawsuit for reporting violations of the FCRA, since XXXX, 2019. 

Eqiufax knows this and is intetionally stalling giving me access.
Product: Debt collection

I paid this debt with another company. The payments were not reported to the court. The account was transferred, and now I am being garnished for a debt that was already paid.
Product: Debt collection

on XXXX XXXX, i sent a letter to convergent asking them to rescind the money that i paid them and the information below : CONVERGENT OUTSOURCING, INC ATTN : XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX  Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XXXX  XXXX Alleged Debt Amount Balance ( Paid ) : {$150.00} Dear CONVERGENT OUTSOURCING, INC : I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.. Finally, send a check payable to the order of XXXX XXXX XXXX for the {$150.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 



cc : Consumer Financial Protection Bureau via fax XXXX
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 Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am submitting to express my appreciation for your efforts in addressing some of the fraudulent items in my credit file, stemming from an alleged identity theft. However, it has come to my attention that several remaining items persist, demanding your urgent attention and resolution. Upon a thorough review of my records, I have identified numerous files that do not pertain to me yet continue to be reported in my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I would like to bring to your immediate attention the legal requirement for Credit Bureaus to expeditiously remove such items that are proven to be opened due to identity theft. To support my claim, I am attaching the necessary Federal Trade Commission ( FTC ) Report, with reference numbers XXXX, XXXX, and XXXX, and a copy of my bank records. The disputed items, detailed below, are unfamiliar to me and do not align with any transactions I have authorized : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} ***EQUIFAX*** XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the
law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In XXXX I had my original student loan consolidated. 

My old servicer XXXX has put the blame on Ed Financial student loan services as of XX/XX/XXXX. 

XXXX XXXX to my knowledge performed the student loan consolidation by paying off XXXX student loan installments and making them one account. 

I have been disputing inaccurate information by student loan servicer XXXX  for years All I want now is for Ed Finacial and XXXX XXXX  to remove all closed student accounts and inaccurate information.
Product: Money transfer, virtual currency, or money service

I sent a payment to my attorney and they money hasnt been available. The payment was made on XX/XX/XXXX. We have tried to call a minimum of 7 times and we get different answers every time we talk to PayPal. Each time we are on the phone with them we get disconnected when we are on the call 20-45 minutes this has happened a minimum of 5 times on XX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX with a wise member number : XXXX which my account was deactivated by wise wrongly and Wise has stolen my money Email address associated with the deactivated wise account is XXXX I had Funds into my wise account in different currencies such as British Pounds, XXXX Dollars, XXXX and XXXX XXXX making thousands of dollars. 

I previously submitted an appeal to have my funds sent to an account provided but unfortunately the bank I previously submitted which is XXXXXXXX XXXX  with account number XXXX has been closed I wrote again to Wise on chat with a wise agent XXXX by submitting my current bank details and my identification documents including a selfie holding my ID card which she asked me to which my refunds are to be paid into by Wise. I was told it has been forwarded to Wise relevant teams to send my refund. I asked for a proof that it was forwarded to the relevant teams and I got an official email from Wise agent by name XXXX confirming that my new bank details has been submitted to Wise for a refund and that I would receive my funds within XXXX days but I have not received. 



Here is my new account details which I submitted to wise : Routinng numberXXXX Account number : XXXX Account name : XXXX XXXX I need this funds immediately as wise is accused of stealing people 's fund. I have read thousands of cases on XXXX and XXXX from wise users who are going through same issues All my funds in different currencies should be converted to US dollars and sent to me in my account details I have provided which is Routinng number:XXXX Account number : XXXX Account name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute specific entries on my credit report, as I have encountered difficulties obtaining accurate information from the companies associated with the reported accounts. 

Upon reviewing my credit report, I noticed several names that do not belong to me. Despite my efforts to seek clarification from the relevant companies, they could not provide satisfactory information or assistance in resolving the issue. Furthermore, I observed discrepancies in the spelling of some names, which led me to believe that these were false identities. 

I want to emphasize that the names appearing on my credit report are not mine. I can substantiate my claim with documented proof, such as my birth certificate and social security card, which bear my correct legal name. It is disconcerting to encounter such inaccuracies, and I am eager to rectify this situation promptly. 

It's frustrating when contacting various companies proves challenging due to not being the account holder, a situation I find myself in. Dealing with matters wrongly attributed to my name adds a layer of frustration to the problem.
Product: Vehicle loan or lease

Santanders USA I was in a total lost. I have only had the loan since XX/XX/XXXX. My car got totaled out on XX/XX/XXXX. Third Party at fault. Santander held my insurance check for about 10 days. Then  turned around and applied it to my account, and charged me two late fees XX/XX/XXXX {$38.00} and then XX/XX/XXXX XXXX. I called Executive Office spoke with a very, very rude sarcastic person by the name of XXXX, who told me well You should kept paying your car payment per your contract rather we held the check or not. I tried to ask speak to his manager 10 times. He refused to let me speak with him. Then put me on hold and came back to the phone and said XXXX the Manager in charge of the department refused to speak with me as well and said the charges are valid. Then he sarcastically said would you like to talk about something else. I hung up on him.
Product: Payday loan, title loan, or personal loan

Rapid cash is after me for XXXX dollars that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account hasnt updated on my credit report since XXXX of XXXX. I was in a bankruptcy that end around XXXX of XXXX and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with Trans union in XXXX and XXXX XXXX XXXX did nothing. So in XXXX of XXXX  I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a zero balance and shows Im still under a wage earner plan that Im no longer under.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian completed the investigation regarding the incorrect Bankruptcy reporting on my credit report. They concluded the investigation by saying " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX completed its investigation in XX/XX/2021 and deleted the bankruptcy information from my report. 

Attached you will find screenshots of Experian website with the reason they're keeping the incorrect bankruptcy reporting on my credit report. 

I would like to know what other company besides XXXX is reporting this bankruptcy to Experian.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XX/XX/2023 XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all 3 credit bureaus that our Loan Depot balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at Loan Depot they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all 3 credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a 60+ point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with Loan Depot that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a VA moratorium until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.