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

I am the owner of a small vehicle dealership in XXXX XXXX, North Carolina ; All City Auto Sales. On XXXX, a customer came to purchase a vehicle for {$41000.00} and presented loan approval documentation from USAA Federal Savings Bank. We contacted USAA, and their representative verified the validity of the loan. USAA even stated that this customer is eligible to add a warranty onto the loan. 

On XXXX, when we contacted USAA to notify that that we had not been funded, and they indicated that they would not be moving forward with the loan. USAA stated that they could not give us any details as to why or what had changed, citing member privacy. One representative eventually acknowledged that this was due to fraud, then stated that we were not supposed to be informed of that. 

In the days following, I learned that XXXX XXXX XXXX has scammed multiple local dealerships, using USAA paperwork and under his same name.

He has been arrested and charged with a number of felonies, including ( but not limited to ) obtaining property from by false pretenses, firearms charges, uttering, and receiving stolen property. I spoke with several people representing other local car dealers ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX and they expressed a shared frustration with USAA for lack of transparency and cooperation each time this has happened, as well as USAA verbally validating loans over the phone, then refusing to take accountability for the financial loss incurred, leaving the auto dealer at a loss. 

On XXXX, we learned that the vehicle was being held at an impound lot due to being crashed the day after the customer took possession. We retrieved the vehicle and brought back to our lot. 

XXXX we contacted USAA and were again told that they would not be moving forward with the loan. USAA rep, XXXX, declined to share information, citing confidentiality of company policies and procedures as well as customer confidentiality. I offered to unilaterally share information that we have gathered ( we have spoken to multiple other dealerships in our area- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) and learned that XXXX XXXX has done the same thing at those dealerships, using his same identity as well as the same USAA loan paperwork ). I told XXXX that we share a common interest with USAA in halting this person from doing this again. XXXX stated that she declined for me to give her any details regarding this situation or individual. 
I am concerned that USAAs conduct is at best, negligent, and at worst, demonstrates complicity in this scheme, by withholding key information when dealerships call to validate the loans made by XXXX XXXX XXXX. Dealerships have been left with no recourse and USAA has yet to take accountability by being evasive, rather than cooperative. To our knowledge, USAA has yet to take legal action or steps to attempt to flag XXXX XXXX in their own systems as not being eligible for a loan.
Product: Checking or savings account

i will go in court and midias because of bank i went in hospital also have XXXX XXXX i moved to XXXX before i lived in michigan my ex cancelled credit card and others i did a reservation with the rental car the price XXXX took my money {$1000.00} to my surprise the bank canceled my account and debit card i dont have money and cards i did contacts many times i want my money back and a solution. i am from XXXX i dont have family here the bank canceled my account and debit card and didnt the contact i am very depressed i have documents and evidence. terrible bank and disrespectful
Product: Student loan

I applied for the IDR SAVE plan on the very first day the beta site launched. One payment was auto drafted once payments resumed.

Since then my loan has been placed in an administrative forbearance while Nelnet " processes my IDR application. '' I get emails every few days telling me it's still being processed. I tried calling them to get an update and the hold time was 77 minutes. This is unacceptable. It's unacceptable that months later they still haven't approved an application that was filed on the first day and it's unacceptable that you'd have to wait on hold for over an hour to speak with someone about what's taking them so long. This would never fly in the private sector. Nelnet needs investigated and likely needs to lose their ability to service student loans. My account has now accrued $ XXXX+ in interest while waiting to hear from this terrible loan servicer. Will this interest be forgiven because of their negligence? I have given them every bit of information they need. If they haven't processed my application ( one of the very first ) they likely haven't processed anyone 's application.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following accounts : Accounts to be Deleted : XXXX & XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$590.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$600.00} Additionally, I request the removal of the following inquiries : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Product: Debt collection

To Whom It May Concern : This letter is a formal dispute regarding the collection accounts reported on my credit file from Absolute Resolutions and XXXX XXXX XXXX. These accounts, as reflected in my credit report, are inaccurate and in violation of federal law. 

I am requesting immediate investigation and verification of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : 15 U.S.C. 1692c ( c ) This law prohibits debt collectors from continuing to communicate with a consumer after a cease communication request has been made. I have previously notified the debt collectors in writing to cease communication regarding these debts.

15 U.S.C. 1692g Under this section, a debt collector must provide a validation notice within XXXX days of the initial communication, detailing the debt amount, creditor information, and my rights as a consumer. No such validation notice has been provided to me, rendering their reporting invalid and unverifiable. 

These debts are not substantiated under the law, and until proven otherwise, these entries should be deemed unverifiable and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate or unverifiable accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure the maximum possible accuracy of information reported and to conduct a reasonable investigation when consumers dispute items. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging systemic violations such as : 1. Failing to forward consumer-provided evidence to furnishers as required by 15 U.S.C. 1681i ( a ) ( 2 ).

2. Accepting unreliable responses from furnishers without verifying their accuracy, in violation of 15 U.S.C. 1681i ( a ) ( 1 ).

3. Failing to provide consumers with adequate notice of dispute investigation outcomes, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). 

These issues align with my personal experience, where Experian has neither corrected nor removed the disputed accounts despite substantial evidence I provided. This ongoing failure has caused significant harm to my credit standing. 

I respectfully request immediate corrective action to amend or delete the disputed accounts, as Experians inaction constitutes a violation of my rights under the FCRA. Please provide me with written confirmation of your findings and any actions taken within the 30-day timeframe outlined in 15 U.S.C. 1681i ( a ) ( 1 ). 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the handling of my credit card account. Despite my attempts to resolve the issues directly with the company, I have encountered persistent problems that have caused financial distress and frustration. 

Here are the details of my complaint : Chargeback : On XX/XX/24, I filed a dispute with Capital One for a charge in the amount of {$220.00} as the merchant sent me a different product than what i purchased. The Capital One representative who filed my dispute over the phone grossly misinformed me of their process causing me to miss the deadline to respond to the merchant 's rebuttal. Despite contacting Capital One immediately upon discovering the errenous informationi was provided by the representative, they have failed to provide satisfactory resolution or reinvestigation into the matter. 

Poor Customer Service : at the time of initiatiating the dispute, I was informed and assured by the Capital One representative that I would receive further correspondence via regular mail with a deadline to respond. Unbeknownst to me, the correspondence was uploaded to their portal without my knowledge, causing me to miss the deadline to respond to the merchant 's rebuttal. Consequently, Capital One ruled in the merchant 's favor for me failing to repond by the deadline. I have requested that Capital One reopen the case and thoroughly review my supporting documents as their representative misinformed me of their process. Their representative neglected to inform me to access their correspondence in their portal document center and instead advised me to expect it in the regular mail which is the reason why I was unable to respond to the merchant 's rebuttal on time Despite numerous attempts to address these issues with Capital One customer service and dispute representatives, I have been met with unhelpful responses, prolonged wait times, and inadequate assistance in resolving the issues with my account I have attached copies of relevant documents. 
I am seeking your assistance in resolving these issues and ensuring that Capital One takes appropriate action to rectify the problems with my account. I request a thorough investigation into my complaint and prompt resolution to alleviate the financial and emotional stress caused by Capital Ones 's negligence and misconduct. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

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

Company continues to report inaccurate information to my consumer report
Product: Credit card

I have a Dick 's Sporting Goods Card. I have been very good about making payments on time. Recently I had a payment returned because I supposedly had insufficient funds. My bank must have made some kind of mistake. I know there were funds in my account. The Dick 's Sporting Goods card people are not being very helpful in resolving the manner. I want to get the account reopened and I am begging for your help in resolving the manner.
Product: Credit card

Citicards has been attempting to submit an unauthorized electronic payment out of my checking account two times in the past two weeks This has overdrawn my checking account both times. I called once again today to get the matter straighten out and I was told they were not able to stop the payment and a third unauthorized attempt is going to be made which will once again overdraw my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the 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 claim 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Diversified Consultants place from XXXX XXXX XXXX a XXXX debt that is not owed. Diversified Consultants also had place by XXXX XXXX XXXX on my credit file as to there was no notice mailed to me in any way to dispute the debt within 30 days by Diversified Consultants as they claim they sent the debt back to XXXX XXXX XXXX as spoke to them on XX/XX/XXXX as stated by the person I spoke to. 

Attach is a copy from the Consumer Financial Protection Bureau complaint # XXXX Submitted XX/XX/XXXX company response XX/XX/XXXX that the disputed account was removed from my credit report. 

Attach is a copy as proof from the Company 's response
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX XXXX XXXX XXXX did not accept the application because they couldnt verify my identity. XXXX XXXX XXXXXXXX also denied the application and called me to verify if it was identity theft or not. XXXX XXXX XXXX  however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all 3 of my credit bureaus and report to the FTC about my identity theft. I opened a claim with cXXXX XXXX XXXX, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, XXXX XXXX XXXX  denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.
Product: Student loan

I put in a request to change my payment due date XX/XX/XXXX. At the time I was told my request would go into effect XX/XX/XXXX. I called back today XX/XX/XXXX and the request is still pending. I was just told that requests are taking a minimum of 120 days to process. I believe a due date change is simple for an account in good standing and dont understand a nearly 4 month lag time to complete this.
Product: Credit reporting or other personal consumer reports

Sending this complaint once more, I am presenting this to make sure that the items in this complaint were DELETED from my credit reports. I have sent a complaint dated XX/XX/XXXX, and I stated that I need these items removed from my credit reports. Today was no different, I am doing a follow up as to make sure that these harmful items will be removed from my credit reports. Requesting the Experian and XXXX Bureaus to please see these remaining items that needed to be removed : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Collection Agency DNF ASSOCIATES has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed a collection in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Collection agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) On Account number XXXX from XXXX XXXX XXXX XXXX XXXX  a debt was reported in the amount of {$310.00}. 15 U.S. Code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer. 

On Account number XXXX from XXXX XXXX XXXX on XX/XX/XXXX a debt was reported in the amount of {$390.00}. 15 U.S. Code 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer. 

Account number XXXX from XXXX In the amount of {$2000.00}.
Product: Debt collection

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, Number : Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed multiple closed accounts on my credit report. Under the Fair credit reporting Act ( FCRA ) and metro 2 guidelines all information provided to the credit bureau must be Accurate, complete and verifiable.The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX XXXX XXXX XXXX XXXX This accounts does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

misterlete sy trealer infomation about this closed account is present, which Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that these closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Thank you for addressing this matter promptly.