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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

WELLS FARGO- False advertising of auto loans, poor to bad credit ok! I remained at the same job for 12 years, great income, customer service kept saying I would be approved and denied and denied over and over again for a {$22000.00} auto loan on a brand new car, I applied for this loan in XXXX. I spoke with numerous different departments and was jut ran in circles. Countless hours wasted on hold!
Product: Vehicle loan or lease

You have 0 % left to pay on this loan. 

Balance {$0.00} Highest Balance $ 20896 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX months Payment History XXXX made 95 % of payments for this account on time. 
Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Paid and Closed Type Auto Responsibility Individual Account. 
XXXX XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am disputing this account for the following reasons : 1. Accuracy of the Reporting : The account is listed as a collection account with a balance of {$1100.00} past due as of XX/XX/year>. However, I do not have sufficient documentation supporting this amount or its validity. 
2. Fair Credit Reporting Act ( FCRA ) Violations : The reporting does not reflect complete and accurate information as required under Section XXXX and XXXX of the FCRA. Specifically : The date of first delinquency is unclear. 
It is not evident that this account has been verified in accordance with the law. 
3. Consumer Dispute Notice : While the report indicates that this account is " disputed by consumer, '' Experian has yet to provide me with evidence of proper investigation or validation of this debt. 
4. Removal Timeline : The estimated removal date is listed as XX/XX/year>. However, it is unclear how this timeline was determined, and it may not comply with applicable regulations regarding credit reporting timeframes. 
As required by the FCRA, I am requesting that you conduct a full investigation into this matter and verify the accuracy and completeness of this account. If XXXX XXXX XXXX can not provide verifiable proof of the debt, I respectfully request that the account be deleted from my credit file immediately. 
Please respond to this dispute in writing within the timeframe mandated by law.
Product: Bank account or service

I was subjected to systematic and institutional XXXX at Branch Banking and Trust. I requested copies of XXXX checks ( i.e. made payable to XXXX XXXX XXXX that cleared my BB & T Checking Account between XXXX and XXXX and bank officials refused to perform a search for the checks. After bank officials refused to perform the search, I received an email to bring money to any BB & T Branch in order to have the search performed.
Product: Credit card or prepaid card

Elan Fi nancial Cardmember service   XXXX   XXXX    XXXX   XXXX , ND  XXXX  Closed my Credit card account without my permission or knowledge they used a  XXXX  request to close my account from another party, when i called and questioned this i was told that I requested the Closure ( I did NOT!! ) when I informed them that i did no such thing i was told well it looked like you so were sorry but there is nothing we can do when i asked to speak to  a manager about it i was told they did not have time to talk to me and they would have to return my call within 24 hours it has now been more than a week since i reported this fraud and NO one has conta cted me regarding this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following name : XXXX XXXX XXXX Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Please delete the following inquiries as I didn't authorize these : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to CFpb XXXX on XX/XX/XXXX this year regarding XXXX XXXX and Equifax information on my account during the time that alleged incident occurred. I personally had to go out and find the mortgage company all the way in XXXX XXXX and work with him in order to get a {$20000.00} condo off of my account from XXXX XXXX. After which responded to you saying they would investigate these things delete all the inquiries. None of the inquiries were deleted, and my credit is still suffering.
Product: Debt collection

XXXX my car insurance with XXXX ended when I found a cheaper rate ... sooo I did not pay my final bill of XXXX to them. So my policy was cancel. I noticed when I started viewing my credit report recently the above balance was on it. I do not understand why XXXX XXXX sold my account to a third party collection agency name Credit Collection Services..I always in the past searched for better car insurance rates and not been penalized by having the balance on my credit report for not paying the policy in full ... Is this legal? By the way never read anything on my policy stating that unpaid balances go to collections ...
Product: Debt collection

I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.
Product: Student loan

XXXX promised to help with job placement, and they absolutely did not.
Product: Debt collection

I, consumer, have received a notice from a debt collector. Grant and Weber says I need to dispute by XX/XX/2022. Do not assume that your information is correct. I will be mailing you documents to formally dispute this alleged debt.
Product: Credit reporting or other personal consumer reports

Company name ; XXXX, accounts number ID, XXXX, Account ID number ; XXXX. The accounts were reported as a collection/ chargeoff and is affecting the score negatively. The reporting of the accounts is incorrect .I still see a balance after it has been chargeoff. I am requesting your agency to reinvestigate and provide all the missing information. Also I would like for your agency to explain why there is a past due balance reporting while the report shows as a chargeoff?? I am sure your agency knows that this is a violation. I command the immediate deletion of the accounts to ensure that your agency is reporting full and only complete information on the accounts. You are being informed pursuant to, 15 U.S.C 1681s-2, account name ; XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information, delete all inaccurate accounts effective immediately. 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact inaccurate. I am also sure your agency knows that it is a violation to report income to a credit file. A charge off is a certificate of indebtedness, which is income and income can not be reported to a credit report...... requesting that your agency receives information of the 1099c the company has filed for this account, providing documentation that this account has been written off as a loss and cancelled. I command this account is deleted and the CFPB acknowledges this agencies malpractice. I have provided to your agency that the information is wrong, and you have been notified. Keeping inaccurate info on my credit report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into a fraudulent contract with Exeter Finance. I didnt know I was in a fraudulent contract until recently after studying consumer law. Since the hardship I faced due to XXXX XXXX I feel that Exeter Finance have not been working in good faith. XX/XX/XXXX they repossessed my car and my life has changed tremendously. My mental health has been affected as well as my husband being in and out the hospital due to not having a vehicle to work and provide for our family. Below are some of the laws, rules, and regulations Exeter Finance are in violation of. I will also be attaching a letter of rescission that Ive sent out to Exeter Finance on XX/XX/XXXX based on failed notices and disclosures I have yet to receive and violations in my contract. 

Exeter finance is in Violation of U.C.C 9-611 because they never sent me a reasonable authenticated notification of disposition.

Exeter Finance are in violation of NY Veh & Traf L 425 and 15 NY Comp Codes Rules and Regs 78.22 because they never sent me any notices within 24hrs after repossession.

Exeter finance are also in violation of U.C.C 9-608 ( b ) because they are still requesting payment from me after the sell of accounts. And negatively reported such debt on my credit reports.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

the number provided represent a company I am independently contracted with but is not an employer - they have been notified to never contact me at any employment/contract venue ever. They have been notified repeatedly and continue to violate the request. Further, the last occurence, they failed to DISCLOSE the conversation was being recorded until AFTER making the representation that we were " friends '' or otherwise had an existing relationship - WE DO NOT. These tactics violate the consumer rights on many levels. 

Further, the amount of repeated calls - even several in one day is beyond normal volume and is considered harrasment.
Product: Vehicle loan or lease

I purchased my new XXXX XXXX XXXX XX/XX/XXXX and obtained the financing through Ally Financial. Everything was great until about XX/XX/XXXX. It started XX/XX/XXXX when I had to have XXXX XXXX XXXX XXXX and things did not go as well as planned and I ended up off work for 6 months. I did not plan on being off this long as it placed a great strain on my budget. By the time I returned to work, I will take full blame that I did fall behind on my car payments. I was working on trying to catch back up but was unable to and contacted Ally on XX/XX/XXXX to see what kind of assistance I could obtain. I contacted through the chat option feature that is offered through the website due to being at work and was unable to talk on the phone. I spoke to someone whos name I cant remember who told me that I could pay {$100.00} and change by XX/XX/XXXX or so to roll back the number of days that I was past due for the credit reporting. He then proceeded to demand when I was going to pay the remaining past due balance. I tried to explain that I was seeking some sort of assistance and he continued to demand payment. I continued to explain my situation and that I had lost my spouse in XXXX and then the XXXX in XXXX and was in a XXXX  XXXX and desperately seeking assistance. The agent continued to demand a promise to pay and continued to now threaten my credit, which according to the FDCPA Collections, they are not allowed to do, nor are they allowed to harass me the way he proceeded to do. I became so distraught that I disconnected the chat. After I had time to calm down some, I emailed them through their online portal asking for the chat transcript which I am entitled to have and have not received it. I have then proceeded to leave negative comments on their XXXX page and was asked to privately message them, which I did and was told that someone would reach out to me. I received an email that someone would investigate the issue. Not a word since. I started to receive collections calls, explain my situation and the regulations that were violated and told that someone would reach out to me and not a word since. I have asked on numerous occasions for the transcript to the XX/XX/XXXX chat session and have continued to be ignored. I have no intentions of not paying but again am seeking assistance for the past due balance, the transgressions that the agent committed and assistance for the payments until I can get back on my feet financially. I also still am requesting a copy of the chat transcript from XX/XX/XXXX of which I have yet to receive after almost a dozen requests. The service I have received over the 3 months is beyond disgusting and has also violated several FDCPA Regulations and this issue needs to be investigated.As of XX/XX/XXXX, they have now started to disguise their phone number and are now calling from alternate area codes as well which is also a violation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXX Date XXXX Balance Owed : {$2700.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$10000.00} XXXX off XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance Owed : {$4500.00} Collection
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost urgency concerning my credit report. After a recent review, I have discovered that my credit file contains inaccurate and fraudulent information related to identity theft. I demand that you take immediate action to rectify this situation, as the damage to my financial well-being and personal integrity is intolerable. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

The fraudulent accounts and transactions listed on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect you to adhere to the law by conducting a thorough and immediate investigation into this matter. I demand that you delete all fraudulent entries from my credit report without further delay. 

Failure to comply with this demand within [ 30 days ] will leave me with no choice but to pursue legal action against Experian for violating the FCRA and causing me significant harm. I am prepared to take whatever measures are necessary to protect my rights and restore my creditworthiness. 

I expect your prompt attention to this matter and anticipate that you will take immediate action to investigate and correct the inaccuracies on my credit report. Please provide written confirmation of the removal of the fraudulent information within [ 15 days ] from the date of this letter.
Product: Checking or savings account

On XX/XX/2023, I called a number I believed to be XXXX support, having received a notification that an unknown person had logged in with my XXXX id on another phone. I was connected to a man who identified himself as a fraud specialist who instructed me to download a screen sharing app. He directed me to settings and showed me numbers that he said were large amounts of money that hackers were spending via my phone. In the course of the next five or so hours he had me make XXXX and XXXX payments to friends who then sent the money back, make two transfers via Citibank 's XXXX component and finally to transfer {$12000.00} to the account of XXXX XXXX at XXXX XXXX XXXX, all in a supposed effort to thwart the hackers. He made every effort to keep me on the phone. At a certain point, around XXXX XXXX, I realized that he was an impersonator and hung up. I called the bank immediately and they stated that they would begin an investigation. 
The bank never contacted me while these expenditures and transfers were going on. I received no alerts from the bank. Their denial of refunds pursuant to fraud are based on the claim that the transactions could be considered normal banking activity. 
I have an overdraft protection ( Checking Plus ) for the amount of {$8000.00}. This was entirely depleted by the wire transfer, so that I now owe the bank {$8000.00}. 
I have never previously used XXXX, never wired large amounts of money anywhere, have always maintained a positive balance in the account and write checks to two or three entities a month at most, in which light I fail to see how the rash of transactions reflected in the attached documents constitute " normal banking activity. '' While I of course accept responsibility for my gullibility and foolishness, I also think Citibank bears responsibility for allowing so many substantial and highly unusual transactions to go forward unquestioned and that they failed to meet the standard of stewardship of my assets consistent with their charter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with XXXX XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to XXXX sending a retired employee that was no longer employed by XXXX. I uploaded the proof with experian on XX/XX/2020 from XXXX mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inquiries on my credit report that were made without a permissible purpose. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau may only provide information about an individual 's credit report to individuals or entities with a permissible purpose, such as lenders, employers, or insurers, among others. 

I have reason to believe that the inquiries on my credit report were made without a permissible purpose, as the individuals or entities that requested the information did not have a legitimate reason to do so. This is a violation of my rights under the FCRA, and I am requesting that the inquiries be removed from my credit report immediately. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I would like to remind you that as a credit bureau XXXX you have a legal obligation to ensure that the information in my credit report is accurate and up-to-date. If the inquiries were made without a permissible purpose, they are not accurate and should be removed. 

Furthermore, I would like to request a complete copy of my credit report, including all inquiries made within the past year. I believe that this will help me identify any other instances where my credit report was accessed without a permissible purpose. 

Thank you for your attention to this matter. I look forward to your prompt response.