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

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The accounts listed below are not accurate, and I request that you conduct a reasonable investigation into this matter as required by law. 
Accounts in Question 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  Despite my prior attempts to resolve this matter, no evidence has been provided to substantiate the accuracy of these accounts. Under FCRA 15 U.S.C. 1681i ( a ), you are mandated to investigate disputes in a reasonable and timely manner.

Furthermore, your failure to ensure the accuracy of my credit report may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceedings. The lack of evidence or response to support these accounts raises concerns about your compliance with these legal obligations.
Product: Vehicle loan or lease

I have tried on several attempts with no avail to get the payments lowered and/or get a feasible payment plan. Therefore, the car was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Checking or savings account

This is related to the case : XXXX My U.S bank account was closed by the bank on XX/XX/2017 and there was an amount of {$170.00} balance left on the account during the closure. The U.S bank issued a cashier 's check on my name but sent it to my old address ( not sure why ). In the past three years, I called numerous times and also visited their bank at least four times to cancel the previously issued check and issue a new check to my current address but nothing worked. I logged a compliant ( case # XXXX ) regarding the same. They contacted and sent me a letter asking me to visit the branch with that letter to cancel and issue a new check. I did as they instructed but still, I did not receive the check.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX Late payment Date : XXXX, XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 XXXXXXXX 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A states I have the right to privacy. 
15 U.S.C 1681 Section 604 A section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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 card or prepaid card

Never received any information in regards to this debt. Tried contacting and reaching them but never could get any type of response. Account still showing open which is unfair and unethical.
Product: Credit card

I received a letter from Chase saying I was eligible to apply for a Chase XXXX business credit card for my business. I applied for the card and received a letter telling me I was denied because I had had too many credit cards opened in the previous XXXX years. I called their help line and was informed that even though I had never missed a late payment on a credit card, my FICO score is XXXX, and XXXX of the XXXX credit cards in my credit history were closed at the time of the application, and the XXXX credit card I still have open is a Chase credit card with a {$31000.00} limit, that they would not approve me for another credit card. 

I expressed that I was willing to provide Chase bank with additional proof, including statements and other information from XXXX other Chase XXXX cards that I had received over the past XXXX years to demonstrate my credit-worthiness, in accordance with XXXX Rules concerning evaluation of applications. ( XXXX ) XXXX history. ( ii ) which reads : " On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. '' I can clearly prove that I am creditworthy by any standard, and believe that Chase is denying me credit for a reason other than the XXXX they are communicating, or that the criteria they are using ( the number of credit cards I had open ) is outside of any behavior that would indicate that I am credit worthy. I have been opening and closing multiple credit cards per year, mostly with Chase, for over XXXX years, and this has never been a problem and has never negatively affected my creditworthiness.
Product: Debt collection

I am writing to express my deep concern and frustration regarding a purported auto loan account with XXXX XXXX SOUTHEAST TOYOTA FINANC, XXXX with account number XXXX, allegedly opened in XX/XX/2015, with a balance of {$690.00}. Despite my repeated attempts to resolve this matter by reaching out to XXXX XXXX SOUTHEAST TOYOTA FINANC, I have not received any resolution or acknowledgment. It is essential to emphasize that this account is unverified and does not belong to me. I have never entered into an auto loan agreement with XXXX XXXX SOUTHEAST TOYOTA FINANC, nor have I ever owned a vehicle financed by them. 

Furthermore, I am deeply troubled by the apparent negligence of XXXX XXXX SOUTHEAST TOYOTA FINANC in handling my personal information. It has come to my attention that they may be recklessly exposing my account details, along with my personal information, by selling it to other collections agencies. This blatant disregard for privacy and security is alarming and unacceptable. I demand immediate action from XXXX XXXX SOUTHEAST TOYOTA FINANC to investigate this matter thoroughly, provide a comprehensive resolution, and cease any further dissemination of my personal information to third parties. Failure to address these concerns adequately will leave me with no choice but to pursue legal remedies to protect my rights and seek appropriate redress.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 have requested over three times for the fraud alert to be removed from my credit report. I have also requested copies of my credit report FILES including all disclosures and consents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 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 checked 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: Mortgage

I have been working diligently with Nationstar Mortgage on a loan modification. I was given a loan modification but never received any documentation. I made payment in accordance with the terms in the loan modification as required and had assumed that the new loan would be implemented as stated in the agreement. Since the loan mod has been completed I expected the my credit would reflect the change. Instead Nationstar has started over again with threats to my account, has not credited my account t with the loan payments which were made with certified checks and my credit has been damaged by their errors. I believe the firm is trying to commit both credit and mortgage fraud an d I have received not one call or notice regarding the status of my loan mod or what happened to my account to put it in arrears. This is either incompetence or fraud. I need someone to act as an honest broker to address this matter because I can no longer trust the firm. 

I would like to have my loan modification reinstated, my payment credited to my account, and my credit score to reflect that I have made all my payments on time. 

The account number is # XXXX
Product: Credit card

All 10 of my SYNCHRONY BANK credit cards were CLOSED with the reason of HIGH RISK OF FAILURE TO PAY. I cant pay a balance that is {$0.00} and no one can prove why they are ALL CLOSED.
Product: Credit reporting or other personal consumer reports

My complaint centers on Equifax Inc. reported inaccurate and private information, which has adversely affected my consumer report. 
A certified notice providing more details is being attached to this complaint and mailed via USPS # XXXX, to you inform you of the unauthorized and improper utilization of my consumer report.
Product: Checking or savings account

On XX/XX/year> a fraudulent check was deposited on to my account for {$980.00} and the money was withdrawn from account. I never noticed this on till the next day where I checked my account and seen an atm deposit and withdrawal had happen. Immediately I called the bank and they filed a claim for me which they told me would be resolved in 10 business days. On day 4 of the 10 business days I look at my account and the bank reversed the check as it had been a fraudulent check. Then is a huge problem because the bank took a portion of my own money and resulted in me losing XXXX dollars. The problem is I had XXXX dollars on my account after these fraudulent transactions were made and the bank took XXXX out of it which was my money. The fraud money that was deposited on to my account was withdrawn the same day so for the bank to go and take a portion of my money even though the fraud money wasnt in my account is the underlying issue. I called the bank which is well Fargo many times telling them how can someone deposit a fraudulent check on my account and withdraw money without my authorization but they said that my pin was entered which made no sense because I had just got a new card because my old one had unauthorized transaction on it as well. This is still all led to no avail.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

The following companies are reporting this debt in my credit report : 1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am complaining about the monthly fees on top of fees that have been added since last XXXX to my TJMaxx credit card issued by Synchrony Bank. 
It started back last XXXX when I was late with my payment that month but as soon as I noticed it, I immediately called them back XX/XX/XXXX to pay off my balance. I asked them to remove the fee and interest to no avail. I paid the balance in full except for the late fee and interest. I was hoping they would reconsider the removal of such a fee since they have done it in the past for me. The following statement, they added another fee of {$30.00} plus interest. Please see attached statement for XXXX XXXX and XXXX XXXX XXXX. I called them again sometime in XXXX or XXXX (? ) to ask them to remove the additional fee on top of the other fees. The bank has a record of this call. I offered to pay original {$27.00} dollar fee but they denied me. Since then, they charge fees of {$30.00} plus interest on top of just fees. Please see current statement of XXXX, XXXX with the balance amount of {$180.00}. 

I believe is unfair that a bank charges fees upon fees plus interest on balances that they are paid in full in a few days. A late fee of {$27.00} has grown exponentially to {$180.00} in a matter of a few months. It has also damaged my XXXX credit score by XXXX points. 

I am willing to pay the original {$27.00}. It is usury what this bank practice with customers like me. Please fight for me. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus Experian, XXXX, and XXXX that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX  and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Protection Act ( CFPA ).

Specifically, CashApp 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause signiticant inconvenience and tinancial loss, and I seek appropriate redress for these violations.
Product: Student loan

Essentially when I left school at the XXXX, I was left with the burden of very large student loans. Half of these loans are serviced by XXXX XXXX ( now Navient ). When I first applied for these loans they made these loans seem like cake and rainbows and that nothing was better. They offered me what they call XXXX, which are anything but 'smart '. They have been unwilling to work with me to come to a reasonable payment option for these loans, and as such I can not possibly make the payments required currently for these loans which puts me and my cosigner at great risk. When talking on the phone with them they seem to everyone just has money growing from a tree in their front yards. I have attempted now to find a solution to lowering my payments in any fashion as I have exhausted all of the forbearance limits they have in place. They have not been willing to work with me and I now risk defaulting on these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I am going through the XXXX Credit Report and also checking inquiries on my report. I have closed all my individual chase credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of chase card inquiry dated XX/XX/2018 on XXXX Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.
Product: Debt collection

I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.
Product: Debt collection

Landlord told me that I do not have to worry about the balance because it will be written off and considered as a XXXX balance. Yet they sent my closed account to collection 2 years later and collections asks for payment. Debt company did not provide any reasonable notice of debt or provide further information when requested. Landlords employees stated on record that they have done similar things to several other former tenants. There is a pattern of deceptive, abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My soon to be ex-wife who XXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the hospital. We are presently awaiting court for her to be prosecuted. I paid off the account and asking Capital One to forgive me for all late payments that she did.