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

On XX/XX/XXXX. I was auditing my credit report when I notice Capital One Bank USA continues to reporting adverse actions, reported XXXX and XXXX of XXXX. This adverse action continues to hurt my XXXX XXXX, no matter what I have done to prove this injustice.The negative and defaming information is hindering me from getting a favorable credit score. I do not agree wit their action and challenge their accuracy and integrity. 12 CFR 1022.71 ( a ) Adverse action has the same meaning as in 15 U.S.C. 1681a ( k ) ( 1 ) ( A ) .adverse action ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.. I do not agree with their actions. 
XXXX2 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Mortgage

I applied for a home loan and was denied because of fico credit score. I did not authorize any of the three credit bureaus to supersede my ability to obtain a home loan. This is my first time buying a home and have a job and either way they will get whatever property back when i die or when i pay it off.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX 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 ( 30-90 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. 


( XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint against Experian for its failure to properly investigate my credit dispute, resulting in the continued reporting of false and damaging information on my consumer report. As a direct recipient of Experians sham investigation practices, which the CFPB has recently highlighted in its lawsuit, I am requesting immediate intervention to rectify this matter. 

Issue : Experians Failure to Investigate My Dispute Properly I disputed an XXXX XXXX account over XXXX times, that is inaccurately reporting as a charge-off, despite the fact that the account was Paid in Full ( PIF ). I provided clear documentation proving that XXXX XXXX made an error, yet Experian has refused to remove or correct this inaccuracy, blindly accepting the furnishers response without conducting a proper investigation. 
Violation of FCRA & CFPBs Allegations Against Experian The CFPB has sued Experian for its failure to conduct proper reinvestigations of consumer disputes, and I have personally experienced the very practices the lawsuit describes, including : Experian conducting sham investigations that fail to properly address consumer disputes. 
Experian failing to accurately convey dispute details to the furnisher. 
Experian uncritically accepting the furnishers response, even when provided with clear evidence to the contrary. 

These actions violate 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations of disputed information. XXXX negligence has severely impacted my credit profile, affecting my ability to obtain credit and financial stability. 
Requested Action by the CFPB I am requesting that the CFPB intervene and investigate Experians handling of my dispute to ensure compliance with the FCRA. Specifically, I am asking that : XXXX. Experian delete XXXX XXXX  XXXX from my consumer or update to Paid In Full XXXX. Experian be required to properly investigate my dispute and correct or delete the inaccurate XXXX XXXX account from my credit report. 
XXXX. Experian provide a written explanation detailing why my documented evidence was ignored in favor of an unreliable furnisher response. 
XXXX. The CFPB hold Experian accountable for its repeated failure to uphold consumer rights and compliance with federal law. 
I appreciate your time and attention to this matter. I look forward to your response and confirmation of action taken against Experian to protect consumers from these deceptive and unlawful practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

My car loan was due on  XXXX   XXXX  with Regions Bank. There is a 10 day grace period which I frequently have to use because I travel a lot for work. In the past I have complained to Regions Customer  Service Dept , (  XXXX   )   XXXX  about " courtesy calls '' made during the grace period during work hours of  XXXX  to  XXXX . I typically am back in town and make the payment before the end of the grace period.     Today  XXXX / XXXX /  XXXX  , I am back in town, on my way to get gas and pay on my car loan at a local Regions branch. However, while pumping gas, I missed d 2 calls, one from Regions and one  from my employer. After pumping gas I call my employer who tells me " Regions Bank just called and left a message for you to call them about your debt. '' I immediately returned Regions call and spoke with a Customer Service agent, expressed my disgust with their " debt collection disguised as courtesy calls ''. I informed them it was highly illegal for them to contact my employer and say anything about " my debt '' to them or any other third party. I then stopped at the  Regions Branch  office and paid {$320.00} on my loan which is typically {$310.00} and some change.
Product: Debt collection

XX/XX/XXXX I obtained a commission advance from XXXX XXXX for the property at XXXX XXXX XXXX XXXX. in XXXX. I borrowed {$4600.00} and the amount due at closing was {$6800.00}. 

The property closed on XXXXthe buyer 's broker received the buyer as a lead from XXXX and XXXX was due a referral commission in the amount of {$4000.00}. 
It was XXXX 's responsibility to send their invoice to the title company, the closer I am assuming was confused and sent XXXX XXXX commission to XXXX. 
XXXX contacted me and told me they didn't receive their full balance and I owed them an additional {$2800.00}, which I sent to them on XX/XX/XXXX. 

I can't be certain about the chain of events as this was 4 years ago and a lot has happened in our world since that time. 
At some point XXXX, I can only assume sent their payment back to the title company and I was now responsible for paying the balance to them when the closer at the title company made the original error by not paying both XXXX and XXXX. 

I paid XXXX  XXXX {$2800.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$1000.00} and XX/XX/XXXX {$1500.00} to RAB , Inc collecting on behalf of XXXX 

Since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  has been contacting myself, my broker, my co-workers and the owner of the company I am now with, XXXX XXXX. 
The original company XXXX XXXX has since been dissolved.. 

On XX/XX/XXXX XXXX stated I owed XXXX  {$4700.00}, I paid them {$1500.00} that day and they received it XX/XX/XXXX, on XX/XX/XXXX, she stated I owed {$5300.00}. 

She has false statements and is striving to collect the wrong amount, she has also threatened myself and my current firm. 
XXXX XXXX has shared information improperly and threatened to take negative legal action.
Product: Debt collection

the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting late payments to my consumer report for an account with US DEPT OF ED. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?
Product: Credit reporting

I am being denied a checking account because this is on my ChexSystems report. It was discharged in bankruptcy in 2015 XXXX {$380.00} Please remove this from ChexSystems immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX XXXX XXXXXXXX Acct : # XXXX  and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XXXX XXXX. I appreciate the services provided by XXXXXXXX XXXX and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXXXXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XXXX XXXX XXXX  and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX..this payment will be delivered by paper check on Wednesday, XXXX XXXX XXXX   SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX XXXX sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXXXXXX XXXX XXXX XXXX, Tx it was delivered on XX/XX/XXXX. That's not 30 days late. XXXXXXXX XXXX said they received it XX/XX/XXXX but can't verify that.
Product: Debt collection

I am requesting to open my complaint since i have n t received the requested document validating of this account.. the mistreated and threaten from this scam company. by law i am entitled to a copy of the contract and a payment t history from the original creditor. and i also want to ask this company to stop calling me after hours that is against the law. the original credit XX/XX/23 I was looking into my credit report and noticed an unknown collection from a company name Collect in Pro. I had no knowledge of this collection. Apparently, I never had to sign any contract with this original credit nor with this collection company that bought the debt for little money from them. On the same day, I called the collection company to request the original contract sign for me since I don own that debt and all the information pertaining to the account and request. the customer service representative started to mock me because of my language she transfer the call to someone else even though I told her I am very capable and able to speak English. She also got upset because I told her that I am not going to give detailed information such as SSC and address because I don't feel comfortable and I don't own that debt. then she proceeds to tell me that I own that debt and I have until the XXXX of XXXX to pay or that I going to lose my credit. Attached you can see the last bill I had before moving from that place. on XX/XX/XXXX.
Product: Debt collection

I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the XXXX XXXX, which do not the belong to me. We have two account number that I am disputing XXXX - account XXXX in the amount of {$1600.00}. 
XXXX  account. Number XXXX {$8800.00},
Product: Debt collection

I disputed with the company XX/XX/XXXX. The company received by disputed according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals obtained credit in my name without my authorization. Those negative remarks on my credit history has made it impossible to obtain new credit.
Product: Debt collection

I am concerned about the accuracy and effectiveness of your bureau 's investigation process, as the fraudulent accounts persist despite the documentation I have provided. I am writing to formally dispute and request the removal of fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as fraudulent, but they persist on my credit report, causing significant damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite these efforts, the fraudulent accounts continue to be reflected on my credit report, impacting my ability to secure credit and causing undue stress. I request that you conduct a thorough and comprehensive investigation into the presence of these fraudulent accounts on my credit 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. 
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 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

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.
Product: Vehicle loan or lease

USAUTO Servicing has threatened to repossess my vehicle as of XX/XX/XXXX after continuing to contact them requesting a payment plan, deferment, or extension to catch up on my payments. Since COVID, I have been faced with financial hardship, loosing my home having to stay in hotels back in XX/XX/XXXX, was able to find an apartment in XXXX. Started working and unfortunately was laid off my job in XXXX of XXXX. I started rcving unemployment benefits which helped me continue to make payments which ended in XX/XX/XXXX. My childrens father assisted with paying for a month when we relocated to another city but it became a hardship on him. We came back to XXXX in XXXX, the vehicle then started to have mechanical issues, starter went out ( {$450.00} ) I'm XXXX which they were able to provide one deferment for bc they were unable to pay for repair bc I was out of warranty. I am borrowing money at this time to repair the vehicle bc the vehicle is the only thing I currently have that's helping me. XXXX another Mechanical issue ( {$250.00} ). Started working XX/XX/XXXX, contacted them advising I started working, changes in my pay, and repairs, they advised due to the acct being 53 days past due the vehicle will be up for repossession as of XX/XX/XXXX. They are unable to provide a deferment due to the one I got in XXXX and the for the hurricane that just came. If USAuto repossess this vehicle it will cause a major financial hardship and cause major damage to my credit.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Checking or savings account

Im efforts to make additional income, I applied for a position and was contacted for an interview. The process seemed legitimate and since it was a remote contract work the company sent a check for covering equipment. This check was deposited into Wells Fargo account. The company for employment proceeded to say they set up a vendor for equipment since it will be loaded with company software and that I would need to send funds to the vendor. This did seem sketchy but as a fail safe I decided to contact Wells Fargo and confirm that the funds were legitimate and that money is mine. At this point, if the funds are truly mine what would I have to lose. After sending a few days of confirming with Wells Fargo and the funds were cleared i had to send money via wire transfer which failed, still contacted Wells Fargo through the process. The vendor requested XXXX, so this was sent. Then after sending funds, the check was no longer in my account and I was negative. From there it was obvious i was a victim of a scam. It was frustrating as I consulted Wells Fargo the whole process but once the investigation was set to commence, they closed the case within 24 hours and essentially said it was my problem, how could I have not known and it was my fault for Willingly sending a XXXX. I called to have the XXXX reversed but they didnt process it in time and now Im negative {$3600.00} even though I would not have sent it if the funds truly werent cleared.
Product: Mortgage

Predatory mortgage loan practices via Wachovia/Wells Fargo during XXXX calendar years. 7.2 % interest during closing. Would not refinance during entire duration of the loan. Multiple foreclosure threats. Denial of refinancing applications multiple times. Transfer of loan to XXXX XXXX in XXXX. Then things got even worse. Forced to sell in XXXX pending foreclosure.
Product: Mortgage

My mortgage company drafted an unauthorized payment from me on XXXX. I 've been in contact with them multiple times to get the payment refunded to me and they are completely unresponsive.
Product: Credit reporting or other personal consumer reports

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.