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

On XXXX XXXX. I submitted a 2nd attempt for a payment extension. The 1st one I didnt get any email or confirmation of submission so I submitted again on the XXXX. I submitted a payment extension via online with my financing company Southeast Toyota. The email after submitting the request stated that I will hear a response in 3 business days. I hadn't heard anything ; which was unusual, because in the past when I had requested one. I would just pay a prorated amount and then my payment would be extended. No red tape, no documentation requested, no reasoning or purpose of the extension requested..nothing. I went today to verify since it has been past the 3 business day time frame. I noticed that they left a message in the secure message of their website. The following showed where I submitted the request at XXXX and it was canceled the same day at XXXX. No explanation! Just indicating if I wanted to request another to call their number and the working hours. So I called because I wanted to know why it was canceled. I spoke to a representative XXXX. She thoroughly explained to me that it was under " review ''. That when its under review that they have to take a look at it. She stated because I had two previous extensions. One in XXXX and another in earlier in XXXX. I have only two months available for the life of the loan. So I asked " What do you mean I have 6 months over the life of the loan ''? I don't recall reading that in my promissory note. Nor was it ever disclosed to me when I submitted the other two extensions with no hassle. I asked her where was this stated as I have never heard of this policy. I asked her could she send me the prom note where it states this. I was put on a brief hold for her to come back and say " it's not written anywhere, it's a courtesy ''. I explained how was I supposed to know of this courtesy if it was never explained or disclosed during the previous two extensions. You have no record of my previous hardships whether it was covid related, income or health hardships. Yet I am told when I need help this it is my very last opportunity to get an extension. That's very deceptive and misleading. Also a regulation issue as it was not disclosed in any manner written or verbal. I'm highly upset as I am currently experiencing a hardship and to be felt like I have been put into a corner because of information I was never given. For someone who pays well over the minimum payment amount every month. I have never been late and I am approaching year XXXX on my vehicle this XXXX. As someone who works for a financial institution and is very familiar with auto lending as well as audit regulations and unfair practices. I had to make a complaint because I am sure others who do not know there rights have been harmed in there unjust practices.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccurate information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am entitled to an accurate and verifiable credit file.

The information reported is incorrect and does not align with my credit history.

Specifically, the account details, status, or payment history contain errors that need immediate correction.
Product: Mortgage

I have been trying to communicate with Wells Fargo regarding the foreclosure of my home and the events of what lead to the default of my mortgage. My husband passed, which was very hard for me and took a toll of many areas in my life, emotionally and financially. Wells Fargo was aware of his XXXX   and also were aware of the fire my home endured as well. Yet instead of offering help and guiding me in the right direction, they acted as though it was too late for anything and had me send in paperwork all just to tell me they can not offer me anything. So many things went wrong and I strongly feel this loan is predatory and am having it currently investigated. Not to mention my interest rate continues to go up and up from 7 % to 11 %. My entire pension was going towards the mortgage which was not feasible. Now as an elderly widow, I am being forced out of my home with no options nor help from Wells Fargo. I have just recently hired an attorney whom I hope can help me resolve this matter and put some fairness into this mess. What burdens me the most is this is not the first I have heard about Wells Fargo behavior, and it is putting more stress on my life.
Product: Credit reporting or other personal consumer reports

XXXX Experian XX/XX/year> XXXX Experian XX/XX/year> XXXX XXXX XXXX XXXX Those two accounts are very inaccurate and need to be deleted from my report. I never authorized anybody to open a account nor give any of my information to a third party like Experian i never sign a contract with no credit agencies so the information being reported should never be on my report by law its a violation of my consumer rights I have all the rights to keep my information private. Only if I allow it to be done publicly with written proof which I ask them for that was never provided within the period time of the investigation.
Product: Debt collection

Individual called my place in employment and began harassing my employees regarding my debt. He told my employees why he was calling gave them information regarding my case as to the amount owed the reason for the call who it was owed to why it was owed and so forth. Collector has repeatedly called my establishment for the past hour nonstop every minute on the minute and will not stop calling and has said and threatened that he will call all day every day until the debt is collected. He stated he will come after me and everything until the debt is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts XXXX. XXXX, XXXX XXXX, and XXXX , XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am raising a formal complaint regarding XXXX, Equifax, and XXXX for their repeated failure to address inaccuracies on my credit report. Despite submitting disputes multiple times, the errors remain uncorrected, showing a lack of compliance with legal requirements to ensure accurate reporting.

FCRA 1681e ( b ) Violation : The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy in the information reported. The inaccurate information on my report demonstrates negligence in their verification processes.

FCRA 1681i ( a ) ( 1 ) ( A ) Violation : Despite my disputes, no meaningful reinvestigation has been conducted, and I have not been provided with any supporting documentation to validate the information in question.

FDCPA 807 ( 8 ) Violation : The collection account in question continues to report incorrect details, including an inflated balance, which is deceptive and harmful to my creditworthiness.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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. 
Please remove the following items from my credit report, immediately : 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$7100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX Experian Consumer Disputes XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Old Address from Credit Report Dear Sir/Madam, I am writing to dispute an incorrect address listed on my Experian credit report. The address in question is listed as XXXX XXXX XXXX XXXX XXXXand it is outdated. I have previously contacted the creditor who originally reported this address and have requested them to update their records accordingly. Despite this, I am still being told by Experian that the address can not be removed from my report until the creditor makes the change. 

I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information reported on my credit report. Specifically, 15 U.S. Code 1681e ( b ) requires that credit reporting agencies, including Experian, take reasonable steps to ensure the accuracy of the information in my credit report. Since I have already provided the necessary information and confirmed with the creditor that this issue should be corrected, Experian is in violation of the FCRA by continuing to report this outdated address. 

As such, I respectfully request that you promptly update my credit report by removing the old address from my file. Failure to do so would be in violation of the FCRA, and I may be forced to take further steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

Please confirm the removal of the old address from my credit report and provide me with a written response within the 30-day timeframe required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Mortgage

In accordance with federal law and my mortgage loan contract, I have the ability and right to make my mortgage payment without penalty on or before the XXXX of each month. 

Cross-country mortgage intentionally limits my rights, and profits themselves by limiting the date of my scheduled monthly auto-draft payment to not later than the XXXX of each month. 

This harms me and other borrowers while the mortgage company holds onto our money for 10 extra days before remitting it to XXXX, XXXX, etc ... 

My only alternative is to risk fraud, theft, or loss by manually sending in a check each month or using my billpay service to do the same. However, that incurs an additional cost. 

I desire the CFPB to investigate this blatantly unlawful practice and force changed behavior. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXXXXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A chargeback was filed against my PayPal account on XX/XX/2022 for a service in the amount of {$330.00}. Despite responding to the dispute and providing proof the chargeback request was invalid, PayPal deducted the funds and also charge a {$50.00} dispute fee. I have attempted to reach out to PayPal several times over the last several months. Each time to no avail. I constantly get the run around and no over ever calls back and provides a response. Please see the attached proof of the completed service which was provided to PayPal XXXX  month ago. Ticket # XXXX. Furthermore, they have since placed the amount due to a collection agency without proper notification which is a clear violation of the XXXX and anytime I try to call them, my call is automatically directed to the collection agency. I once respected PayPal as a company but i am completely shocked and disgusted at the lack of integrity of PayPal. I REFUSE to do business with such a company and urge anyone reading this to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/XXXX XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed there were XXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to XXXX, Transunion, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have actively said, showed proof of fraud and identity theft by XXXX XXXX of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years. 

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. Its almost XX/XX/XXXX. Thats about 3 Months my credit score dropped over XXXX points because of this. 

Original CFPB Complaint # XXXX Please help me
Product: Student loan

I am attempting to enroll in school and I have a loan in default that The FAFSA application says I owe {$15.00} however when I attempted to pay the balance the lender 's are saying the amount is not accurate and that there is a glitch in the system The debt was cancelled and the account is saying XXXX it was paid in 1994 according to the FAFSA application
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Product: Credit reporting or other personal consumer reports

I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,
Product: Credit reporting or other personal consumer reports

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Product: Credit reporting

I had a foreclosure on XXXX 2013 with XXXX XXXX. That account is still open on my credit report and XXXX XXXX is now bankrupt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and respond to disputes regarding the accuracy of information on credit reports. Your persistent failure to address these issues constitutes a blatant violation of my rights under the FCRA. I demand that you immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX BANK XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XX/XX/2019 a request for verification of the account listed on my credit report was requested from experian. I didnt receive the verification results for this account instead I received a copy of my credit report with no updated information