23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Ive attempted to file a dispute with Experian numerous times via their website and have been unable to, they request information sent via mail, this information was already provided to prove identity. I submitted social security number, address, DOB, etc. Still, they request information be sent, which makes no sense as I am able to view my credit report but not make any disputes. I pay a monthly membership fee and should be able to file online disputes as part of paid membership. Their rep stated other people are having the same problem, it appears to be a technical issue on their side. Whatever the case may be, I pay a monthly membership and should be able to file disputes online as I am able to view my credit report. Do not mark this as duplicate as additional information has been provided here.
Product: Credit reporting or other personal consumer reports

I would like to have a full clue report from my Lexis Nexis file and update any inaccurate information that may be on the report. My full name and address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XX/XX/1982
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

There is a late payment in my credit report dated XXXX 2015 ( 30 days ) from SEARS/CBNA. 
Sears-Citi did n't send me the statement on time for {$26.00}, not to my email nor home address. I called customer service and they removed the late fee since the problem was in their system not sending the statement on time. However, the credit department did n't remove the late payment from my credit report. I sent them letters and asked them to correct their mistake but no results. 
I did n't have any late payment in the past in any credit cards. This late payment decreases my credit score significantly. Usually credit card companies trying to protect costumers but Citi is going in opposite direction to hurt members due to their own mistake. 
My request is that Citi removes the late payment and correct their system mistake so it will not happen to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number : XXXX XXXX XXXX  incorrectly reported delinquency for loan payment. 
- XXXX XXXX XXXX sold my loan to another loan company ( XXXX XXXX ) effective XX/XX/2020 ( letter attached ) ; therefore, all payments after XX/XX/ should be paid to XXXX XXXX, not XXXX. 
- However, IN FACT, XXXX XXXX XXXX received my XXXX  and XXXX XXXX loan payments through an auto payment online account ( payment history attached ) - XXXX reported delinquency for missing loan payments in XXXX XXXX  to the credit bureau caused a massive impact on my credit history. 
- The " Goodbye '' letter received from XXXX indicated " The servicing of your mortgage loan is being transferred, effective XXXX XXXX XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported on my XXXX XXXX loan account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Experian, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Product: Debt collection

My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report.

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights.

FCRA Section 623 ( a ) ( XXXX ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. 

Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland ( MCM ) has not provided documents from XXXX. XXXX also has missing statements XX/XX/2013 was the last statement I received. There was also a change of address made well before the XXXX statement was mailed out. There has been several attempts but no effort made to resolve the issue. I have disputed this account when XXXX had it with several calls and customer service saying one thing but did not follow up as stated by them. I also have proof I was living in another state and working. as well as electric car insurance all was change in change of address. MCM has not even in disputed stop reporting to credit bureau. They have not provided any letter of this debt since day one. XXXX has statements missing as well as no letter going back to XXXX as to there claim of mailing out a letter. XXXX never made any effort to resolve there error.
Product: Credit card

My XXXX credit card was closed on XXXX XXXX before I could pay the full balance due on XXXX XXXX. Its website states " The balance on your XXXX XXXX XXXX XXXX XXXX has been transferred to your new card account with Citibank. Citibank will communicate with you regarding your balance ( s ). You will not be required to pay your balance in full to XXXX XXXX as a result of the transfer of your card account to Citibank. XXXX However, Citi charged me an interest on XXXX XXXX, when I received the first bill. This is the FIRST time citi communicated with me regarding the remaining balance transferred from XXXX. I was never late on any payments, and this happened simply because of the transition, so Citi should grant a grace period and waive the interest change which they refused to do.
Product: Debt collection

XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I  CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
Product: Credit card or prepaid card

I have been a Lowe 's credit card holder for 28 years and when my XXXX XXXX checking account had fraudulent activity the bank stopped all ACH and withdraws and assigned a new account number. My Lowe 's payment crossed around the same time and they never notified me that they did not receive payment until the next statement which included past due and new bill. When I called customer service they took the {$41.00} payment and removed late fees. A week later I received a letter that they closed my account due to non payment. I requested to speak to a supervisor to reconsider keeping the account open after being a good paying customer for almost 30 years this being my second Lowe 's account. They stated they would need to review further and reply in writing. It is now XXXX and they continued to allow the late fees to be charged without working with the customer after reporting bank fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX RESIDENT VERIFY Inquired on XX/XX/ XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Debt collection

They said they were in the network for my insurance prior to performing the service. After the service they reversed their statement and said they were not in network and I owed the charge. The charge is also excessive.
Product: Debt collection

The XXXX Credit bureaus do not have my permission to report anything and I have the right to privacy
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB, s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Money transfer, virtual currency, or money service

My chime account was linked to an external bank XXXX XXXX XXXX the account was closed and XXXX returned partial funds to one account but not the Chime account due to some technical difficulties with Chime I spoke with both institutions about returning funds to chime account XXXX instructed me to tell chime to reclaim funds because the external account wasn't in the same name as chime ( my sister 's account ) wich she has authorized the transfer back I dispute the issue with chime and they don't understand the instructions they keep closing my dispute stating the was no error in the transfer and no money will be returned.. The money can not be returned until they put in a claim to XXXX XXXX XXXX for funds once that is done The bank will return the funds. they keep telling me we don't see any attempt to return funds not understanding that they don't see it cause they have not put in the claim for it to XXXX XXXX XXXX the dispute department at chime will not communicate with me directly so I can explain this to them they just keep closing the dispute
Product: Mortgage

After MULTIPLE errors with managing my escrow account on my mortgage I called Navy Federal to request removal of escrow. I can not trust them to understand the difference between an increase or decrease, addition or subtraction, so I surely can not trust them to pay my bills for me. 

During the first phone call I was told that I was not eligible for an escrow waiver because FHA loans do not allow for it and that it was in my loan disclaimers. I got off the phone and found this to be a LIE ( big surprise ). There is NO rule that FHA does not allow for escrow waivers and it is NOT indicated anywhere in my loan documents ( yes I read them all ) that my loan is not eligible for escrow waiver. 

I submitted in writing a formal request for escrow waiver. I was told I would receive a response within 5 business days. On day 6 I got a call that from a Navy Federal agent which was completely inaudible, so I called in to the contact center. I was told that I had received the Escrow Waiver and instructions on everything were in the mail. ( The first time in MONTHS Navy had done something right ). 

Then this morning I get a new message from Navy Federal with the letter that was put in the mail attached to it saying I was DENIED for the escrow waiver. 

This company does nothing but lie and can not provide ANY proof that a consumer was informed prior to agreeing to a loan that escrow waiver would be denied on my loan type. This equates to deceptive loan practices and they need to be sued by the government.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> case XXXX XXXX informed about XXXXXXXX XXXX XXXX XXXXXXXX and upon my call to XXXX XXXX the lady representative said you have XXXX of benefits at XXXX XXXX XXXX and hung up in my face. I immediately called XXXX but were unaware then I called XXXX XXXX XXXX spoke to the president XXXX XXXX at XXXX XXXX and she decided to lie and denied me of an account. XXXX XXXX fake XXXX and XXXX stolen my identity at XXXX XXXX XXXX and cash two XXXX escrow account checks in my name and I reported the Forgery as XXXXXXXX XXXX XXXXXXXX XXXX XXXX.
Product: Consumer Loan

I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.
Product: Debt collection

On or about XXXX XXXX, XXXX, while checking my credit reports, I found a negative collection account in the amount of {$2100.00}, reported by DIVERSIFIED CONSULTANTS. The collection is reported that it was opened on XXXX/XXXX/XXXX and was reported as disputed. This information is false, as this account, with XXXX being the original creditor was being reported by XXXX XXXX, on XXXX/XXXX/XXXX. I disputed the account with XXXX XXXX, because I do not owe XXXX. DIVERSIFIED CONSULTANTS never sent notice of the debt or my right to dispute. 
On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a letter via certified mail disputing the debt and asking for verification. The letter was delivered on XXXX XXXX, XXXX, as a return receipt was sent to me. DIVERSIFIED CONSULTANTS did not respond to the letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a second letter via certified mail disputing the debt and informing them that they were in violation of the FDCP and FCRA. The letter was delivered about XXXX XXXX, XXXX. DIVERSIFIED CONSULTANTS did not respond to this letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS an email as well as a certified letter offering a settlement. I received an email response stating that the letter would be forwarded to the appropriate department. 

On XXXX XXXX, XXXX, I received a letter from DIVERSIFIED CONSULTANTS notifying me of the debt, with no validation. 

I have submitted copies of my letters to DIVERSIFIED CONSULTANTS, receipt that they have received the letters, as well as Receipt and Copy of letters sent to XXXX XXXX showing that DIVERSIFIED CONSULTANTS did not own the account in XXXX, as they report.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/2024 through Carvana. I used third party loan processing, through my bank, XXXX. 

The loan cost included the taxes and cost of titling and registration. 

My temp tag expires in 2 days, and Carvana has yet to submit my paperwork to the state of Utah to get my taxes paid and my license plates sent to me. 

They offered a second temp tag- but said that the process will take another 45 days. The temp tag expires in 30 days. Utah only allows a single extension, and taxes must be paid, and plates mounted on the vehicle within 60 days. 

Carvana 's website says they urgently need more information from me, but will not provide what that information is. They simply say that the XXXX rejected my information, however, my local XXXX says they have not heard from Carvana.

Given Carvana 's notable history of lawsuits related to failure to issue registrations on time, I am inclined to believe they have not followed their legal obligations in this matter. 

I am the XXXX XXXX  for a XXXX XXXX, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my job requires the use of my vehicle. 

This is unacceptable. 

I have also submitted a complaint to the AZ Attorney General 's office regarding this manner.
Product: Checking or savings account

On XX/XX/XXXX sometime between XXXX someone was in my account and sent themselves XXXX dollars. On XX/XX/XXXX around XXXX XXXX dollars was sent to a XXXX XXXX XXXX a pay anyone transaction. I called chime multiple times trying to explain that someone had to be in my account because I DID NOT make theses transfers. After talking to the fraud department with chime they told me themselves that they can see someone was in my account. They keep asking me for more evidence I dont know what more I can do I have submitted a written statement everything I can possibly think of. I then recently received a message stating that if I sent them XXXX dollars they would send my money back. Then I got a verification code from chime as if someone was trying to login into my account. I cant just let someone get away with all my hard working money. I have been begging and pleading about this to chime for about three weeks. you guys are my last hope please help me get my money back I need it. I have rent, college, car payment, groceries a whole lot.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles handling of disputes particularly in light of the recent cupboards lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions is infeasible. The lack of accountability and transparency is unacceptable and raise concerns about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to some of the incorrect accounts posted on my report. it has been 30 days and i haven't received anything speaking on the investigation reports this isnt the first time this happened its ridiculous, this is affecting my credit report because you cant verify these accounts and are adding unnecessary inquires which causes me to look like a liability with alot of inquires ima need somebody to do their job the correct way or verify it the correct way. i also numerous times spoke and stated my information was compromised in the XXXX data breach i am asking this be deleted immediately. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.