23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a situation I have encountered with TitleMax, which I believe raises concerns of unfair and unreasonable practices. My aim is to seek your assistance and intervention in addressing the challenges I am facing. 

I have been a customer of TitleMax and have taken out multiple title loans, with the initial loan being for {$500.00}. Unfortunately, due to unforeseen circumstances, I lost my XXXX benefits, which significantly impacted my ability to meet my financial obligations, including the title loan payments. 

Recognizing the challenges I was facing, I proactively reached out to TitleMax on two separate occasions, seeking assistance and explaining my situation. Regrettably, both times I was informed that there was nothing they could do to accommodate my changed circumstances. 

In light of the above, I find it distressing that despite being a loyal customer with a history of multiple loans, TitleMax has shown unwillingness to work with me during this difficult time. Instead, I found myself compelled to take out additional title loans simply to meet the payment requirements, exacerbating my financial strain. 

I believe that such practices by TitleMax are not only unfair but also place an undue burden on customers who may encounter unexpected challenges such as loss of income. I kindly request the CFPB to investigate this matter and advocate for fair and compassionate treatment of customers facing genuine hardships. 

Your intervention in this matter could not only assist me but also contribute to the broader goal of ensuring fair and reasonable practices within the lending industry. I appreciate your attention to this matter and look forward to a just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I opened a free account with Experian that allows a user to monitor their credit report for free. I used my account to initiate a credit freeze on my credit file and I was directed to Experian 's Identity Protection feature which is not free. After I declined the Identity Protection I found the page to place a freeze on my credit file. I entered all my information as I did when I opened the free account and Experian declined to place the freeze on my credit file. Experian used the excuse that they could not place a freeze on my credit file based on the information I entered. I used the same information to open the free account so how could it be correct to open the free account but not to place a freeze.
Product: Student loan

Federal loan forgiven in XX/XX/XXXX. Documentation received. 
XX/XX/XXXX balance reappeared on credit reports.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX/XXXX 2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly help me correct this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient has been messing with my accounts for years. I have been paying on my accounts and the payments do n't seem to be going toward my balances. Or some are and some are not. On top of that I have a loan that my mother co-signed for and they refuse to give us any options on that loan. We have a ridiculous interest rate and it is making it nearly impossible to pay back. This is by far the worst company I have ever. Had to deal with. I honestly wish that I never went to school because of how hard it has become to pay back these loans with this horrible company.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for the persistent failures to remove the inaccuracies related to my name, address, collection accounts, and inquiries on my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate, causing significant harm to my financial standing and personal privacy. 

I have followed the dispute resolution procedures as outlined by your agency diligently, providing extensive documentation and evidence supporting my claims of inaccuracies in my personal information, collection accounts, and inquiries. However, your organization 's repeated failures to correct these issues are inflicting substantial harm on my creditworthiness, financial stability, and personal data privacy. 

It is crucial to emphasize that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate personal information, collection accounts, and inquiries on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
Invasion of my personal data privacy. 
I hereby formally request that your organization takes immediate and resolute action to investigate and remove the inaccuracies associated with my name, address, collection accounts, and inquiries on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt removal of my credit report to accurately reflect my personal information, including my name and address. 
Removal of any collection accounts that are inaccurately reported. 
Removal of the inquiries to accurately reflect the true nature and source of each inquiry. 

Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the swift resolution of these issues. Kindly assist me to remove these items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions
Product: Checking or savings account

Account was closed with out notifying us. We were given a cashiers check from my dads company some had came and used XXXX XXXX dollar money orders. I deposited the money order normally.the money orders turned out to be fake and we were notified by my dads company that there bank rejected it for l being fake. They did file a police report as well becuase the guy who paid with the money orders has their car too. They did file a police report and have copies of the other 2 they were given. We are tired and tired of calling and saying the same thing over We noticed the account was negative and went to the bank to see what happened.nothing was told to us about the Check having an issue .The branch manager told us there was fraud on youre account and thats all I can tell you. Given the run around to different brAnches and being told to call the 800 number because they froze our account. That number then tells us that the bank manager is the one that closed youre account you have to go to them. we have money in there we need this is causing financial hardship the branch manager made us feel like thieves and fake information giving us the run around not telling us what happened or looking into that weve never had that issue with our bank account. We have been talking to the fraud department all they do is keep taking statements does not help in freeze our account we do have funds in there that are now frozen. 
We have a family and this is very hardship. 
This was all un necessary from us bank and the manager in the XXXX XXXX branch was not professional did not explain what happened told us to go to a different branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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.
Product: Credit card or prepaid card

Capital One has a charge by XXXX XXXX XXXX XXXX on XX/XX/2020 I had this issue before with Capital One with this XXXX XXXX XXXX in which my card was replaced so i would like to no how they got the new card that was replace last year account number.
Product: Debt collection

Linebarger, Goggan, Blair & Sampson LLP have sent documents demanding {$290.00} for nonpayment of approximately {$15.00} ( as best I can tell ) of unpaid tolls. Tolls should have been paid through my toll tag account as per their billing police with XXXX XXXX XXXX XXXX Repeated attempts to resolve the issue have not been productive. I am continually told to call somebody else or put on hold. Asking to speak to supervisor does not work it appears they simply find a phone to pick up and lay on the desk with no answer ( I can hear voices speaking in the background but nobody on the phone. The agency refuses to give me a reason for why tolls were not billed or I was n't notified of the issue. Instead they try to shift responsibility to their client despite they themselves giving their own phone number for resolution. I 've stated repeatedly that my purpose is to find a reasonable accommodation that simply does not amount to extortion, but have not desire to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an acct and TransUnion removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by TransUnion just to put back on in another day. Please investigate as to why this has occurred.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$99.00} off my XXXX Victoria secret account according to the amount displayed on the website where Ive made payments while having this account. I called XX/XX/XXXX because I saw on my credit report I owed them {$14.00}. I called spoke with a supervisor who said I accrued interest after my account was paid off. So as of XX/XX/XXXX I accrued {$2.00} interest after card was paid off. XX/XX/XXXX {$6.00} XX/XX/XXXX {$14.00} I never recieved a bill or call from Victoria secrets bank in reference to no payments. After my call on XX/XX/XXXX I received a late fee after I tried to talk to them. I would like all fees credited to me via check since I have to pay it off again and any report of a late fee on my credit report removed immediately
Product: Credit reporting or other personal consumer reports

I recently found out that my personal information was compromised in a data breach. I've reached out to the relevant parties to correct the inaccurate information on my credit report, but nothing has been done yet. I called the creditor and credit bureau as I am not liable for this debt with XXXX XXXX XXXX and have yet to be provided a copy of the signed Wet signature or Esign of the alleged According to the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i and 15 U.S.C. 1681s2 ( b ), any party that reports information to a credit bureau has to make sure it's accurate. This means they must investigate and validate any disputed information properly. Additionally, 15 U.S.C. 1681 requires that the credit bureaus ensure the information they report is complete and accurate. I have provided CFPB with the inaccurate information that is reported,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :. 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: Vehicle loan or lease

My loan contract does not have a lean holder By the name of American credit acceptance. The contract has falsified signatures that was forged by a sales representative at XXXX
Product: Debt collection

I've have recently submitted another dispute directly with Capital One ( as of XX/XX/XXXX ). I have continuously been disputing the two accounts totaling {$3300.00} for the past 11 months. I am currently in the process of trying to clear my credit reports of fraudulent items due to identity theft. Capital One has not made one attempt to contact me since I started submitting disputes. I would speculate that I have submitted close to 20 disputes with Capital One. I keep receiving letters saying they have " completed investigations '' and have not once been contacted by Capital One during the investigation process. These accounts were removed from one of my credit reports ( XXXX ) and I have to now send letters to the other two bureaus ( XXXX & XXXX ) to help with my disputes. I would also like to note that XXXX experienced a data breach in XXXX. My information happened to compromised during that time and that is the year Capital One is claiming I opened those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX of 2019 I requested that XXXX XXXX XXXX would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXXXXXX XXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts.

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXX XXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX  XXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this.

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX  XXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.
Product: Credit card or prepaid card

Before I opened my Discover credit card, I was promised that I wont be liable for any unauthorized transaction. 
In XX/XX/2022, I filed a dispute on a fraudulent transaction on my account. 
Dicover first credited my account with {$2500.00}. Within a week, it reversed the credit without any explanation nor giving me a chance to review and appeal, and consider it final solution.
Product: Credit reporting or other personal consumer reports

I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act.

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations.

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH capital 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 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, XXXX, XXXX, AND 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 card or prepaid card

Comentity Bank and XXXX have claimed to of closed this account due to inactivity. Their current policy, nor did the policy at the time of applying for this card, did not have anything regarding inactivity. 

I also did not receive any type of correspondence whatsoever regarding my " inactivity ''. No letters or emails were sent on Comentity Bank or XXXX 's behalf regarding inactivity or the closing of my account.
Product: Credit reporting or other personal consumer reports

The credit reporting agency Equifax is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.

The credit reporting agency XXXX is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of 15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.
Product: Credit reporting

I was at the end of my lease agreement, and I move and left the apartment in good shape.I also paid a XXXX pet deposit to them for any damage, but there was none and I did n't receive no money back.