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

I have submitted several requests about my addresses are incorrect. I have submitted several requests for them to remove medical collections as well as collections less than a {$100.00}. These requests are in vain. I have only lived at 2 addresses in the last 20 years and they are reporting on addresses that are incorrect. The information they are reporting from Collection Agencies which bought the debt is against FCRA guidelines. I wish to have these Collection Agencies removed from my Credit Reports. Lastly, they are all reporting different scores as well as different information. My XXXX report states the higher higher number and Equifax and XXXX is 3-5 points lower.
Product: Debt collection

I owed XXXX  XXXX XXXX credit card and I agreed to pay and for payment to be deducted from my bank account automatically and it never did they did send me to collections even when I was willing to pay an amount to them to settle
Product: Debt collection

BANK OF AMERICA WILL NOT INVESTIGATE THE ACCOUNT FOR FRAUD CHARGES AND INFORM ME OF THE RESULTS IN FULL DETAIL OF THE INVESTIGATION ALONG WITH THE RESULTS OF ALL EXCESIVE FEES AND CHARGES ON THE ACCOUNT. I HAVE CALLED, AND MAILED LETTERS TO THIS ISSUSE AND THEY DO NOT RESPOND. THEY HAVE ALSO RUINED MY CREDIT REPORT WITH NEGATIVE INFORMATION THEY WILL AND CAN NOT PROVE IN COURT DUE TO UNATHARIZED CHARGES ON THE ACCOUNT.
Product: Consumer Loan

In XXXX of XXXX Cap one Finance sent me a auto loan " Pre-approval '' letter which stated they had interest rates as low as 2.3 %. I had called Capital One Auto Loan callcenter XXXX during that time asking them what interest rate I was approved. Each time I called they instructed me to take the Capital One pre-approver letter to the dealer of my choice. I took it to XXXX XXXX owned by XXXX XXXX in XXXX XXXX State. 
I was told the only interest rate quoted by Capital One Auto Finance was 16.990 %, I was also told by XXXX XXXX that Capital One Auto Finance would refinance this loan to a lower interest rate after I showed XXXX year of ontime payments with no late payments. Capital One told me in XXXX of XXXX they do not refinance their own loans. 
I have paid this huge interest rate for 15 months now with no late payments and I have only paid {$2900.00} off the price of the car while paying a whooping {$4900.00} to Capital One Auto Finance in interest. This is a Predatory leading loan and it sets me up for failure as my employer has laid off XXXX employees this year with announcements to lay off in XXXX XXXX. 
Also, I tried to re-finance with several companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AUTO LOAN and all of these companies tell me that I am in a predatory loan and the payments I have made all went to interest profit for Capital one and the owed to value of the car exceeds their criteria to refinance. So after 15 months of on-time payments I owe more than the XXXX FORD FOCUS is worth because I paid {$4900.00} in interest and only {$2900.00} to payoff. 
In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the documents attached below provides information about a job employer who requested my credit report during a screening. This request should not show as a hard inquiry on my credit report, as this is not a lender. Please remove this hard inquiry from XXXX Police Department that was done on XX/XX/XXXX and XX/XX/XXXX. This should be shown as a soft inquiry which does not affect my credit score. It should not be shown as a hard inquiry as I observed on my credit report. After doing research and getting information from bureaus. An employer doing a background or credit check should not be listed on my credit report as a hard inquiry. Every year this employer is required to do a credit and background check on all employees. Therefore it will be a lot of yearly inquiries, but shouldnt be hard inquiries or shown to anyone seeking my credit file. Please do not add this employer to my credit file, as this is a federal company and private company. I also do not want my employer displayed on my credit report :
Product: Mortgage

On XX/XX/2020 with out ever applying Caliber Home Loans offered us a loan modification with a principal reduction. In order to have the offer completed we needed to At that time we were not able to make the trail payments.

Since then our situation has changed we would like to take Caliber up on the offer. Now that we can afford it Caliber wants to do a ( DIL ). In fact all Caliber has only been interested in doing a DIL for years now. We were very surprised when Caliber offered us the Loan Modification. Pleasantly surprised. Now that we can afford it we feel they do not want us to Modify the loan. We feel the Loan modification offer by Caliber was a fake offer they knew we could not afford the payments at the time so they offered it to us. Now that we can afford it they will not give it to us. We feel Caliber is really in the real estate business not the mortgage business. They use the ( DIL ) to accumulate properties then sell the to their sister company the XXXX XXXX XXXX at a discount then the Trust resells it at a profit. We believe the FED makes whole to Caliber on the loss on the loan and they are ripping of the tax Payer on a Major League level. You must investigate this.
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 : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helpingme due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt 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 XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 



Please delete the following accounts. 

XXXX # XXXX Bal : {$370.00} XXXX  # XXXX Bal : {$95.00} XXXX # XXXX Bal : {$5100.00} XXXX XXXX # XXXX Bal : {$1400.00} XXXX XXXX  # XXXX Bal : {$5700.00}
Product: Credit card or prepaid card

I tried to pay off my remaining balance for my XXXX store card in XXXX. I saw the amount leave my bank and I assumed that it was taken care of. Now, when I look for proof that the payment was successful ; Im unable to find anything. Not only that, but now Im being charged a late fee and my credit score has been affected. Ive worked so XXXX hard to improve my credit score and now my life is being ruined by this company. I cant even access my account to make a payment!
Product: Credit card or prepaid card

I received my EDD BofA card # XXXX I activated it & then put extra security features on my account then I received email saying did you just report your card stolen I said no but they reissued anyway XXXX that happened 2 more time then my address was changed to # # # # XXXX XXXX? ? I also confirmed that I didn't do that they changed my info & sent my card elsewhere but now I have no card no money no more patience I'm being short because I just lost everything I typed & my baby is crying now please contact me I will explain better please XXXX XXXX DOB XX/XX/1979 XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX EDD BofA account now my account is now closed I have nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$700.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXXXXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXXXXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against American Honda Finance Corporation ( AHFC ) concerning inaccuracies and false information they have reported on my credit reports. The account in question pertains to my and my wife 's ( XXXX XXXX XXXX lease for a XXXX XXXX XXXX, with XXXX XXXX XXXX. 

Background : Incident and Settlement : The vehicle associated with the lease was declared a total loss on XX/XX/XXXX. Subsequently, my insurance company, XXXX XXXX, issued a settlement check to American Honda Finance Corporation as per the agreed amount of {$31000.00}, decided by AHFC and which was processed on XX/XX/XXXX, as confirmed in the document titled " Guarantee of Title '' sent by AHFC to XXXX XXXX. 

Dispute Filed : I submitted a credit dispute to the credit bureaus asserting that the information provided by AHFC was incorrect.

Falsification of Credit Information : Despite resolving the matter with the insurance settlement, AHFC has reported incorrect information on my credit report, which includes falsified charges and derogatory marks. Notably, my credit report dated XX/XX/XXXX shows a significant outstanding balance of {$61000.00} and multiple late payment entries, which are inconsistent with my payment history and the settlement agreement. Additionally, they have falsely changed the lease term from the original 36 months to 42 months. 

Inaccuracies and Discrepancies : Incorrect Balance Reporting : My credit report dated XX/XX/XXXX from XXXX, XXXX, and XXXX shows an outstanding balance of {$61000.00}, despite the insurance settlement covering the agreed amount and my consistent payment history. Furthermore, the total amount paid exceeds the listed balance, which should have resulted in a XXXX balance or a credit.

Derogatory Marks : AHFC reported multiple derogatory entries, including charges of bad debt/collection and charge-offs, which are baseless. These entries do not reflect the true status of my account and are causing undue harm to my credit score.

False Lease Term Change : The original lease term was 36 months, as documented in my lease agreement. However, AHFC has falsely reported the lease term as 42 months in the credit reports, which is incorrect and misleading. 

GAP Clause : Furthermore, even if there was an outstanding balance, the GAP Waiver clause in my lease agreement dictates I should not be held liable for any remaining balance beyond the settlement amount. 

Previous Reports : My previous credit reports dated XX/XX/XXXX and XX/XX/XXXX indicated no such derogatory marks or substantial outstanding balance, showcasing a stark inconsistency and potential falsification by AHFC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I am on an income driven payment plan for my FFEL Student Loans that are being serviced by Nelnet. On XX/XX/2020 I submitted my annual recertification and Nelnet sent me an email confirming that my application was received. I received no response to this application. On XX/XX/2020 I again submitted my annual recertification and Nelnet sent me an email confirming that my application was received. I received no response to this application. On XX/XX/2020, I submitted yet another application to have my loans recertified and again Nelnet sent me an email confirming my application was received. I received no response to this application. Around this same date, I sent a message to Nelnet through their website regarding this issue. I did receive a response to this inquiry stating that it would take 15 days for my request to be reviewed. 15 days came and went of course with no response from Nelnet. On XX/XX/XXXX, I sent another message to Nelnet through their website. On XX/XX/2020, I actually received an reply email from Nelnet. This time they stated that more information was needed to complete my application. I promptly provided the information that was requested. On XX/XX/2020, Nelnet approved my recertification application. In the meantime, my previous IDR expired, and Nelnet increased my payment from about {$240.00} to {$850.00} per month. I repeatedly told Nelnet that I can not afford this payment. Now, Nelnet has my loans 90 days past due and is reporting late payments to my credit report. I tried to contact Nelnet about this issue and, of course, they did not respond. I feel that Nelnets negligence caused this and my efforts to resolve this are fruitless. I hope you can help me. I have documentation of all requests I made to Nelnet if needed.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/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 XXXX
Product: Mortgage

XX/XX/XXXX Requested Mortgage Payoff Statement From Fay Servicing LLC. Mortgage principal is {$13000.00}. Escrow for RE tax is {$6700.00} XX/XX/XXXX Received Payoff Statement saying all principal must be paid before escrow is refunded. Mailed check in the amount of {$13000.00}. 

XX/XX/XXXX Received letter returning my check saying only certified funds are accepted. 

XX/XX/XXXX Using Fay Servicing on-line site, I paid down the principal to {$0.00}. Their site does not allow pay down to zero. 

XX/XX/XXXX Requested new Mortgage Payoff Statement. My last payment to Fay Servicing LLC sent by bank XX/XX/XXXX Mortgage principal is {$0.00}. Escrow for RE tax is {$6700.00}. Called Fay Servicing and asked if {$0.00} principal can be paid from my escrow fund, the remaining {$6700.00} escrow be refunded to me and receive my title papers. 

XX/XX/XXXX Email from Fay Servicing asking for bank statement showing funds sent to Far Servicing. Sent documentation to Fay Servicing. 

XX/XX/XXXX Email from Fay Servicing saying " any outstanding escrow overage will be refunded within 30 days after the loan is paid in full ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability an transparency is unacceptable and raises serious concerns about consumers safety.