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

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$2300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$5800.00} XXXX - XXXX {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - XXXX {$2300.00}
Product: Money transfers

www.consumerfinance.gov Here 's the situation, and PayPal has been doing this to be MULTIPLE TIMES! 

I was sending {$53.00} via transfer to my husbands PayPal account from mine PayPal account as PayPal does allows for all people, to have multiple accounts they are now withholding my funds and the time to purchase the anniversary item is running out of time! 

Please contact them release the funds NOW so I can purchase! 
If I have to I will start a class action against them as I am already on the " XXXX PAYPAL '' CASE which could be a reason why they keep targeting me. 
I wanted this for anniversary gift : PAY PAL IS BOTH " FRUADING '' AS WELL AS " SCAMMING '' PEOPLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of XXXX  XXXX XXXX. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Product: Vehicle loan or lease

Ive been mistreated and Mislead from day one.XXXX Carmax Auto SuperStores , Inc has failed to provide validation of the debt, has repossessed my vehicle XXXX XXXX, and rejected my payment tender to recover my vehicle as of XX/XX/2022. They have broken the laws Congress 15 usc 1692F, 15 USC 6802, 15 USC 1692A ; K. The amount that was financed to me and/or credited on my behalf was {$29000.00}. The cash value of the car was {$30000.00}. Carmax practices in TILA but they are not doing their due diligence to make sure consumers rights are protected at the time of the consumer credit transaction.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and Experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/year> ( I DO NOT HAVE ACCESS TO THE ACC NUMBER ASSOCIATED WITH THIS ACCOUNT ) This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  is reporting a late payment for the month of XX/XX/XXXX However, the monthly payment was made and submitted to XXXX XXXX  onXX/XX/XXXX Therefore, there should not be a 30 day late reporting.
Product: Debt collection

Equifax is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax XXXX breach, there is information and accounts on my consumer credit report that I don't recognize and I believe it to be fraudulent. I am requesting that the accounts listed on the FTC report be deleted from my report immediately as it is negatively affecting my lend ability. 

XXXX XXXX Account number XXXX XXXX Card closed XX/XX/XXXX XXXX FCU closed XX/XX/XXXX 2022
Product: Student loan

SAVE XXXX XXXX XXXX is incorrectly calculated and now I am in administrative forbearance. My monthly payments under the XXXX XXXX were estimated to be nearly {$150.00} less than the current estimates shown. When I called my servicer, they noted that the calculation was not using my XXXX from my last tax return. I submitted a request to recalculate, and have yet to receive any confirmation. I have been placed on administrative forbearance, but this does not stop interest from accruing. Additionally, I am planning to apply for forgiveness through XXXX, and received word that the months under forbearance would not qualify as eligible payments for XXXX, further delaying my loan forgiveness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Payday loan, title loan, personal loan, or advance loan

I was approached by a XXXX XXXX ( the broker ) on XX/XX/year> to sign a solar power purchase agreement ( PPE-EZ ) with Sunnova ( the solar company ). 

The agreement was signed on the premise that my household average consumption is 1600 kW per month based on calculation of my electricity bill provided by NV Energy and analyzed by the brokers engineer XXXX. 

Per the agreement attached, the solar system, which is owned and maintained by the company, was supposed to surpass my household consumption requirements during the high season and produce enough power for credit that will cover the low season. 

The purpose of the agreement is paying the company a set payment instead of a fluctuating bill to NV Energy ( utility ).

The monthly statements attached clearly show the power being generated by the solar system is less than half my consumption resulting in payment to both the company and NV energy. 

When I reached out to the company to try to remedy this situation, I was told that the system is working properly and as expected. They said I can add more solar panels to reach sufficient production, which will result in another increase to my monthly bill. 

I am a senior immigrant ; my son was generous enough to help me write this letter because of my limited language skills. 
I feel that I was taken advantage by brokers engineer, who promised that I will have a set payment to the company and nothing else. 

I personally know another person who got burned by this companys business model and hes willing to come forward and file a complaint as well
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in 60 days 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 XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

Dear LVNV Funding and CFPB, I am writing to formally dispute the inaccurate, outdated, and misleading information associated with my credit report regarding the account listed by LVNV Funding. This account contains numerous discrepancies that not only misrepresent my financial history but also jeopardize my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : 1. **Unverified Information** : The report indicates a " Balance Owed '' of {$500.00}, with the " Last Verified '' date marked as " - ''. This lack of verification raises serious concerns about the legitimacy of this account. Under 15 USC 1681e ( b ), I am entitled to have accurate information reported, and it is clear that this account fails to meet that standard.

2. **Outdated Activity Dates** : The " Date of Last Activity '' is listed as XX/XX/XXXX, yet the " Date Reported '' is XX/XX/XXXX. This discrepancy implies that the information being reported is not current and reflects poorly on my credit history. Such inaccuracies can lead to unjust penalties on my credit score and may hinder my ability to secure loans or favorable interest rates.

3. **Misleading Account Status** : The report states that the " Account Status '' is " Open '' with a " Payment Status '' of " Late 120 Days. '' This misleading information suggests that I am not maintaining my financial obligations, which is simply untrue. Additionally, the " Dispute Status '' indicates that this account is under investigation, yet every time I have reached out to XXXX regarding this matter, the account remains marked as " being verified. '' This ongoing ambiguity creates a negative impact on my credit health and personal finances.

4. **Consumer Rights Violations** : The inaccuracies present in this report violate my rights under 15 USC 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 15 USC 1681i mandates that consumers have the right to dispute inaccuracies in their reports and to have them corrected in a timely manner.

The ongoing presence of this inaccurate and misleading information on my credit report has a profound impact on my life. It limits my access to credit, increases my financial burdens, and causes undue stress and anxiety regarding my financial future. I have made numerous attempts to resolve this issue with XXXX, yet their investigations have yielded no resolution, leaving me in a state of uncertainty and frustration. 

Given the severity of these issues, I respectfully request that LVNV Funding immediately conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. I expect the necessary updates to my account to be completed promptly, as my financial well-being depends on it. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

I encountered a fraud w.r.t. HVAC installation using Discover credit card to pay {$2300.00} on XXXX, but Discover determined it's a valid transaction and didn't give me a refund. 

I paid the merchant XXXX XXXX XXXX XX/XX/2020, for the installation on XX/XX/2020, and I contacted Discover to reverse the transaction on XX/XX/2020 as soon as I realized it's a fraud. 

The installation team on XXXX claimed that they didn't receive any payment from the merchant, and threatened me that they would pause the installation and leave all the parts in my house if I couldn't pay them on the spot. I had no choice but paid a separate check to them. The merchant told me he had an emergency and didn't reply until I asked Discover to withhold the transaction.

I submitted a dispute with Discover afterwards ( case number : XXXX ), but after a few months, Discover said my payment was a valid transaction because both the merchant and I have signed the contract for the payment, which means I authorized the payment. However, they didn't care whether it's a fraud or not.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to XACTUS, LLC for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. 
As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. 

As per the bureaus you should inform and notify them that the inquiries should be block or removed in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account # : XXXX In accordance with the Consumer Credit Protection laws, I am requesting immediate actions to this matter.

15 U.S.C 1681i ( a ) ( 5 ) ( a ) states that if, after any reinvestigation 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.

1. 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 15 U.S.C 1681i ( a ) ( 5 ) ( a ) states that if, after any reinvestigation 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.

1. 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 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681 ( a ) ( 6 ) ( a ) states that a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I am Requesting : Please send all correspondence to this matter via mail XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX U.S.C 1681 ( a ) ( 6 ) ( b ) states that, as a part of, or in addition to, a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-days period.

1.A statement that the reinvestigation is completed, 2.A Consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation.

3.A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name, number and address of any furnisher of the information contacted in connection with such information.

4.A Notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and 5.A notice that the consumer has the right to request that the consumer reporting agency furnish notifications under that subsection. 
I am Requesting : Please Provide in everything writing to XXXX XXXX XXXX, XXXX, XXXX  XXXX Additional Request in writing : 1.Originally Signed Contract ( s ) and Proof of CONTRACT ( s ) 2.All Payment Statements and Complete Breakdown of original contract, changes, charges, or adjustment including dates and reason.
Product: Debt collection

Creditor Debt : American Honda Finance Current 3rd Party Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference : XXXX Debt Amount : {$12000.00} Reason : The XXXX XXXX XXXX XXXX was repossessed in XX/XX/XXXXXXXX  and vehicle was sold at auction leaving me with the remaining balance of interests in debt! I was not able to pay the prior months of this vehicle prior to the repossession because of the a job lay-off I endured during that time. I can not afford to pay this debt anymore and it is now listed on my credit report preventing me from financing or leasing a new vehicle in XXXX!
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of credit and charges. This incident aligns with the recent cfpb findings against navy federal for similar practices where transactions settled with insufficient balances despite initially having funds. I believe these practices are unfair and request an investigation into my account transactions.
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # 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 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 or 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I filed a chapter XXXX bankruptcy. In the agreement, I was told that Navient would roll my loan with XXXX XXXX XXXX that they bought into the agreement that they gave me with Navient. I was to have a 71 % discount on the loan, and receive a 0 % interest rate. Navient told me that they would implement this once they switched over the XXXX loan once it was serviced by Navient. Currently I filed 2 complaints with Navient because the loan was transffered over. Their lawyer XXXX XXXX, said that they would be implementing this on the Naveint website.

This was to be done at the beginning of the year and the balance was supposed to be reduced to around 9k, and to be shown at a 0 % interest rate and paid over 30 years. However this did not happen. 

Now this is affecting my credit with Navient, and they are about to charge off the loan and can't find the agreement. On a previous complaint with CFPB Navient stated they would be implementing the 0 % 71 % discount once the loan was transferred over. 

It was never. I can not pay this outrageous amount.