23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATION/XXXX  I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX 2. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and fraud. Accounts have been opened under my personal name without my consent or permissible purpose. Pursuant to FCRA 605b and Title 18 USC 1681c-2 I must demand the following accounts be blocked indenitely from my credit le and credit report as it is causing me harm and damages and is a violation of the United States Privacy Act. Please be aware that this is a notice of you violating my consumer rights, and in accordance with the federal law, you must cease and desist your actions immediately pursuant to title 15 1692K ( a ) ( 1 ) I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Checking or savings account

My husband and I left town on a family emergency. My husband XXXX XXXX and hurt himself broke so a XXXX in his neck and tube on his back and he is XXXX XXXX XXXX during the drive back from DC. We had purchased gas for {$32.00} at pilot. Thought everything was OK. Drove home, the next day my husband got a text from PNC fraud department asking or the charges they included in the text with charges that he made he reply. No I didnt call the bank to dispute their mouth within a week or two. They emailed back and said they believe the charges were correct Yet theyre the ones that notify us they were suspicious of the charges because its unusual it shows a {$32.00} charge for gas within seconds {$150.00} even at the same gas station then not long from that a {$30.00} and something cents at XXXX XXXX another XXXX something dollars and {$120.00}. My XXXX XXXX an XXXX XXXX theres no way we can put {$32.00} in gas {$30.00} in gas {$150.00} even in gas during this process. I looked into our account and noticed that there were other charges so I put a dispute in. Yes we have been to these places before however, we did not make these charges the second time The bank automatically assume that we did it and they said they did a thorough investigation I know for a fact that someone can take your pin number and create a card with a chip and fraudulent use your account. Including multiple quick withdrawal as fast as they can, or purchases. I even offered for them to go ahead and request video for the Places to verify its not us the person I talk to said she was gon na record this conversation for quality purposes then I told her that I would like to record the conversation for proof she said she will cease and not discuss it with me any further and refuse help and continuously put me on hold, and she told me are you threatening me because I told her that I believe it was unfair and that I would probably post it on social media so that other people know about fraud they withdraw the amount on my account to cover for fraud charges that I had nothing to do with
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed.

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. 

XXXX XXXXXXXX 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! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/2020 I went to XXXX XXXX ( XXXX, VA ). I had an online reservation for a vehicle as well as a commitment for a trade-in price. Went to the dealership and decided to upgrade to the next highest model of the XXXX  XXXX. It was priced at XXXX. There was a promotional deal for 0 % financing. Between my trade in for XXXX, XXXX cash payment that brought the price of the vehicle down to XXXX for financing. The salesman told me since I qualified for 0 % financing the price of the vehicle now went up to XXXX. I refused the deal outright and got ready to leave. He went back to talk to the manager and came back with the XXXX price and 0 % financing. I asked for the written copy of the deal and was told I could not have a written copy. It was not allowed. But, he said, the good news was all my requests were honored and now I could buy the vehicle. We waited an additional 1/2 hour for the paperwork to be drawn up except it was not paperwork. It was a desk sized tablet in which the finance guy whisked us through the signing process. We were given a zip drive with the document and nothing written. When I received my first loan payment coupon I was shocked to see the balance of the loan was XXXX. That means they did not deduct my cash payment or trade-in value. No. The problem was the raised the price of the vehicle to XXXX in the loan documents and I had no idea they did this. They fraudently raised the price of the vehicle, rushed me through the signing process and out the door with no written documents or way to check for accuracy. They essentailly stole my trade-in and XXXX ash deposit. I trusted they would stick to their word on the verbal deal we made. My husband and daughter were both witnesses to the verbal deal. I have tried to contact the dealership for 2 days ( I am out of state and can not get there easily ). I have received no call back from the finance director. I have reached out to the VW complaint bureau and was given a number to call which I have been unable to reach a live person. I want this loan re-written for XXXX that would reflect the agreed upon sale price of XXXX. In a side note this same vehicle is now offered on their web site for XXXX. So it is price gouging to begin with and then a fraudulent loan and sales tactics on top of it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXXXXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX  XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXXXXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. These accounts do not comply with the reporting guidelines outlined under this section, and their continued presence is causing significant harm to my financial stability and personal life.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account ending in XXXX. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXXXXXX as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to XXXX XXXXXXXX over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, XXXX XXXXXXXX should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essenceXXXX XXXX XXXXXXXX has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " Holder in Due Course Rule '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. XXXX XXXX has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. Use the Principal 's interest to settle the alleged debt and return the payments made by the agent back to the agent as outlined in 15 USC 1615. Remove all the derogatory information from the Principal 's ( XXXX XXXX XXXX ) consumer report. XXXX XXXX  's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent Transunion a dispute about incorrect personal information that was reported on my consumer report. I wanted the company to investigate and remove the incorrect information from the consumer report and send an updated corrected consumer report to the address that was listed. I have not gotten a response from Transunion and the consumer report has not been updated as of XX/XX/2024.
Product: Credit card

I'm filing this complaint against concora credit for not resolving my unauthorized charges on my account I have a milestone credit card and I have informed them that two previous cards on my account that I was supposed to have received in the mail I never had access to them and they were stolen and activated with my information from the mail I have reported that my mail was stolen to concora and that the credit cards were not activated by me and they got my information from the mail concora Since then has not given me any type of credit for all of the charges I have reported to them as unauthorized below I have is the charges and cards ending in them that were used without my consent
Product: Mortgage

I am guarantor on this loan, for my daughter XXXX XXXX, secured to office building in XXXX. 
We are current and upto date on loan and as per the terms we have provided them with annual tax returns since XXXX. 
XXXX XXXX Bank was taken over by Citizen Business Bank and they now claim that we never provided XXXX with XXXX returns. 
I am concerned that my sensitive financial and personal data has been misplaced during transition and instead of due diligence in trying to recover those returns, they are threatening me with remedies due to loan default. 
Loan is being handled by XXXX, CA branch
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX account is reporting as charge-off. This account is reporting payment history and there's no history. The XXXXXXXX XXXX account was opened XX/XX/XXXX. My first payment was made and the car was totaled in a accident. The case was settled and on XX/XX/XXXX the car was paid off. The FCRA state that all information is to report accurate. I will provide information that my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXXXXXX Account Numbers : XXXX '' and XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XX/XX/XXXX Amount : {$6600.00} I expressed to XXXX XXXX XXXX, and Equifax XXXX these are fraudulent accounts and were never accounts belonging to me. These are adversely effecting my credit on all three bureaus. I have sent multiple letters to all three bureaus with my requests, asking for documentation bearing my electronic or wet ink signature supporting these accounts to no avail.
Product: Checking or savings account

Had an insurance claim for my XXXX XXXX RV, I took it to camper world in Idaho XXXX, because the waistline was leaking come to find out it wasn't the waistline, it was the hose connected to my tub they need a replacement the hose cost {$15.00}, two screws in the seal, XXXX XXXX charged me {$850.00} and didn't fix anything, so I found this dispute with Wells Fargo, returned the money, but then denied the claim, they in the closing my account because it was overdraft like by XXXX and something dollars, which I know I should have never lost a claim
Product: Credit card

This is my second attempt at seeking help. After this, I fear it might be futile. American Express sent me several invitations to apply for the Gold card, which I eagerly accepted. AMEX, being a top-tier company, made me excited and grateful for the opportunity. However, during the process of setting up my card and arranging cards for other users, I received a security alert, which I initially ignored. When I first called, I felt intensely scrutinized about my identity. Regrettably, I failed that verification and also the XXXX process. I have since faxed and uploaded a document they provided, along with my driver 's license, but I haven't received any confirmation. The only communication I've had is an email informing me that my account will be canceled in XXXX days. I'm deeply disappointed, as this card could have been a significant aid at this time. 

It's worth noting that I was approved for the Blue Preferred Card and everything is fine there, although the benefits and credit limits differ. I've made extra efforts, but whenever I call the team managing my account with the fraud department, I only reach a voicemail system that is perpetually full. If American Express doesn't see me as a desirable customer, I wish they would just state it plainly, rather than attributing it to identity concerns. My address and everything else checks out I've verified my credit report and it's all clear. I'm almost certain I'll receive an apologetic letter or email. Having maintained my credit diligently, being treated as unworthy is disheartening.
Product: Payday loan, title loan, or personal loan

I live in Nc and was in a desperate state when I signed up for the loan not realizing the interest rate was predatory at 159.9 % now Im struggling to make the payments please help
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. My personal information like my name, address, and places I've worked and collections agencies.
Product: Money transfer, virtual currency, or money service

I filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violates customer financial protection act ( CFPA ). Specifically cash app feel to to take timely and effective measures and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore they're dispute solution was unfair and deceptive. As they do not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused inconvenience and financial loss, and I see appropriate redress for these violations.