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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reporting Under 15 U.S.C. 1666 ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and pursuant to Section 1666 ( b ) of the United States Code. Specifically, I believe that the late payment ( s ) reported by [ XXXX XXXX XXXX ] for [ XXXX ] are incorrect and do not reflect my true payment history.

The disputed account details are as follows : Creditor/Servicer Name : Discover Personal Loans Account Number:XXXX  Date ( s ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : Paid Creditor/Servicer Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date ( s ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute that this account was reported as a late payment for the following reasons : According to 15 U.S.C. 1666 ( b ), I am entitled to a resolution of the dispute within 30 days. Under the law, if the reported information is found to be inaccurate or incomplete, the credit reporting agency is required to correct or remove it.

I request that you : Investigate this dispute and correct or remove the inaccurately reported late payment ( s ).

Provide me with written confirmation of the outcome of your investigation, including a copy of my updated credit report reflecting the corrected information.

Notify the creditor that the reported late payment is under dispute and, if necessary, provide them with my dispute information for further clarification.

Please confirm receipt of this letter and inform me of the next steps in the dispute process. If you require additional documentation or clarification from my end, feel free to contact me directly at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fraud Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Good day sir/maam. 
Please pay close attention to dates, time stamp because I will be attaching some documents. 
XX/XX/XXXX I bought XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Few weeks later the car stopped me on a XXXX and I towed it back to the dealership. 
They did the first repair at XXXX XXXX XXXX, on XX/XX/XXXX I pick up the car, on my way home on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following day, the car was towed back to the dealership. 
XX/XX/XXXX I kindly requested for a change of car or they can keep there car. 
XXXX XXXX XXXX XXXXXXXX employer advised me to do a voluntary repossession. 
later that, day I spoke to the XXXX XXXX on the phone, to please exchange the car or keep it, he told me to come back to the office. 
I went back to their office the following day and he got a {$16000.00} car, {$3000.00} down payment, almost $ 700 monthly payment for a XXXX XXXX plus mileage car. 
I respectfully declined. 
He said if I dont want that, another option would be for him to fix the car ( XXXX XXXX ) It took 1 months plus to get the car fixed and I was still making the car payments. 
Let me add this, I called, texted, wrote mails to stellantis financial services, to informed them about the situation. 
XX/XX/XXXX I pick up the car. 
The XXXX assured me everything was great and running smoothly. 
XX/XX/XXXX XXXX the car stopped me for the XXXX time on XXXX XXXX. 
XXXXXXXX XXXX I towed the car back to the dealership. 
XXXX what I have been going through all these months, Dealing with a company that sold junk car to me and theyre fully aware. 
I pay XXXX to this place when the invite me to the office, pretending to help but never did. 
I payed for tow out of pocket. 
The cancel the warranty I had on the car. 
They just want me to react or be rude to them so they can call me XXXX XXXX XXXX etc. 
But I still maintain the peace. 
Please CFPB help me! 
Let me also add that I bought ( XXXX ) cars from this establishment. XXXX, XXXXXXXX XXXX  and didnt complain about the cars because theyre okay, just some cosmetic repairs here and there. 
The XXXX has been the problem from the beginning.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with LAW OFFICES MBA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}
Product: Debt collection

XXXX XXXX XXXXXXXX, which also does business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c XXXX SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I sent out a dispute letter for validation of the debt thats in collections and the company security credit services did not or could not validate the debt. I reported the alleged debt to the police and I also reported it to the identitytheft.gov that the alleged debt was fraud and I did not apply for merchandise or receive the allege merchandise for this alleged debt. XXXX and XXXX has removed this alleged debt from my credit profile while XXXX is still reporting this alleged, fraudulent debt on my credit report.
Product: Debt collection

Letter to validate debt was sent never received return recipe and as they claimed to the cfpb they got my letter but to this date I have not received validation of debt and it has been XXXX days since they claimed they received my letter so I would like this debt removed from my credit report and the company looked into
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Product: Checking or savings account

On XX/XX/XXXX I walked into XXXX branch deposited a cashier 's check in the amount of {$130000.00} from XXXX XXXX  into my newly opened Apple Bank checking account. The deposit receipt said my funds would be available on XX/XX/XXXX. On the morning of XX/XX/XXXX the funds were available and I made 4 succesful transactions. I then walked into an Apple bank branch, approached a XXXX XXXX male teller to inquire about making a withdrawal and an external transfer he then directed me to speak with branch manager XXXX XXXX. After she looked through my account she said that my account is still in review and I could not make any transactions on my account. I called the XXXX XXXX and the rep said my funds did clear and called the back office that said an alert by the branch manager triggered my account blockage and they will not tell me why my account is restricted. I think i was racially profiled by branch manager XXXX XXXX and she generated the request to have my account restricted. My account was not restricted until i walked into the bank branch to withdraw funds. She will not give me a reason for the account restriction and will not close the account and give me my remaining funds via cashier 's check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equif
ax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX. and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Product: Money transfer, virtual currency, or money service

I submitted a transaction to incorrect recipient without warning
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, and I noticed unauthorized inquiry had been made. 

I contacted these creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiry on my credit report to determine who authorized the inquiry. 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX   XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XXXX XXXX   XX/XX/XXXX 16.XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX   XX/XX/XXXX 18.XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

So there is no option for my complaint. So I just chose options to get here. The XXXX, CA branch is closed nearly every day of the month due to Covid supposedly. However, employees are still working and when it was actually opened one day the lady in line in front of me happened to know the teller and the teller said oh yeah we were closed for Covid again wink wink. This is unacceptable as so many people in our city frequent this bank and need transactions the atm doesnt offer. How can this be regulated so employees at this branch cant randomly decide they want to get paid for not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report.
Product: Credit reporting 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 Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

From early XXXX until the intended close date of XX/XX/XXXX, LoanDepot erred through a lack of oversight and communication ( subsequent to my discovering/escalating an issue ) regarding an intended mortgage in the amount of {$340000.00}. 

Details within the attachment. You'll see LoanDepot 's nonperformance was exacerbated by a deliberate lack of communication ... and subsequent deception ... as I tried to fix their problem and affect the close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by Experian have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to Experian XXXX and XXXX concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, Experian failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

Experian did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
XXXX has incorrect Addresses & Phone Numbers Inaccurate. 
XXXX Phone Number Inaccurate. 

XXXX and XXXX did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding Experian accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to Experian. 

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

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXXXXXX Account Name : XXXX XXXX # XXXX - Balance {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$950.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$550.00} Account Name XXXX XXXX XXXX XXXX XXXXXXXX ( late payment ) Account Name : XXXX  # XXXX - Balance {$2000.00} Account Name : XXXX # XXXX - Balance {$1200.00} Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There's several important information details that's incorrect in my credit profile with the credit bureau. They have the wrong social security number and several addresses I've never seen before. Also can't upload a copy of my FTC Identity theft report to dispute several fraudulent accounts.
Product: Student loan

During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated
Product: Mortgage

I am receiving 18 months of mortgage payments from Homeowners Assistance Fund. Ive called several times about this months mortgage which PennyMac has not applied. I had to call numerous amount of times last month for the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry glitch from TransUnion did n't fix the process. They refused to remove inquires on the credit report No 5 days notice. 
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, credit repair services, or other personal consumer reports

To Whom it may Concern : In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrucions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Apple late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX  late postings XXXX XXXX XXXX late postings XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX