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

I leased my XXXX XXXX XXXX, XXXX : XXXX through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. 
I have consistently made my payments each month since the lease began in XX/XX/XXXX. I received my end of lease instructions and made the decision to purchase my XXXX XXXX. I went in to the same XXXX dealership that I used to start the lease on XXXX XX/XX/XXXX. I logged into Honda Financial Services to get the payoff amount. I received loan approval through my bank, XXXX XXXX XXXX Bank. The bank released the funds as I signed all documents at XXXX XXXX XXXX XXXX XXXX and walked away owning the XXXX XXXX XXXX, XXXX : XXXX. 

On XXXX XX/XX/XXXX, I was notified via a credit report alert that I missed a payment over 30 days from Honda Financial Services ( Account Number : XXXX ). I called Honda Financial Services who said they had not received the payment. I called XXXX XXXX XXXX and they said the check they mailed off had been returned multiple times. I called Honda Financial Services multiple times to keep them updated of my conversations with XXXX XXXX XXXX. At the same time I already was making my payments on my auto load through XXXX. 

I completed my end of the transaction, making payment on XXXX XX/XX/XXXX for the payoff amount as instructed. I understand that XXXX XXXX XXXX XXXX XXXX and Honda Financial Services may have had some miscommunications but I asked that the missed payment be deleted from my credit report and that it reflect that I made my last payment on XXXX XX/XX/XXXX when my bank released the funds to XXXX. I further request that any late payment fees and penalties be removed from my account from after XXXX XX/XX/XXXX. 

I sent a letter to both XXXX  and Honda Financial Services. They both requested I get a letter from the dealership which I did. The Dealership letter and the sales contract both saying i met my financial liability should have been enough to correct my report but as of today my report is still not correct. It is reported that I didn't make a payment in XXXX, was 30 days late for XXXX and not closed until XXXX. I sent them both a letter again showing my regular payment of {$450.00} was made on XXXX XX/XX/XXXX and that I made my final payment of {$20000.00} on XXXX XX/XX/XXXX. I have sent letters and all the evidence to validate my case, provided everything they have asked for and my credit file is still not fixed. This is a gross violation of consumer rights for them to ignore all my requests when I paid everything as agreed and followed all of the protocols and instructions. I will attached everything I have submitted. 

XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX ( XXXX ) XXXX American Honda Financial Corporation Credit Reporting Dispute XXXX. XXXX XXXX XXXX, TX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail.

Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  & on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

this company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report.
Product: Credit reporting or other personal consumer reports

Disputed the balance through Experian, XXXX, and XXXX XXXX credit reporting companies. XXXX XXXX refuses to update the balance on the loan. Balance on credit report shows {$2400.00} as of XX/XX/year> but the balance is actually {$1900.00} as of XX/XX/year> based on payments made. XXXX XXXX did the same thing on my last loan account.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXXccount Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Today, XX/XX/year>, I attempted to payoff my loan with Westlake Financial through their website. On their website it clearly states they can accept payoffs over the phone for a {$5.00} fee. Upon calling, I spoke with a representative that advised that a recent decision by management prevents them from accepting payoffs over the phone and that I would be able to XXXX ( {$9.00} ) or pay to overnight the payoff. To XXXX  the payment or to overnight the payment would be an additional fee greater than the {$5.00}. To mail by regular mail ( 15 day payoff ) will incur additional interest to be charged. To my knowledge, not providing any ( at least 1 ) option to payoff an account without incurring additional fees is considered a pre-payment penalty in which there are no pre-payment penalties allowed under my contractual agreement.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Inappropriate, wrongful and abuse of power by leaving Inappropriate negative items that the law has it being reported in my personal credit reports to be removed.
Product: Debt collection

XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all XXXX credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.
Product: Checking or savings account

Somebody opened a checking account at Wells Fargo XX/XX/2023 in my name without my consent.
Product: Credit reporting or other personal consumer reports

I have been reaching out to Transunion on multiple occasions to have Inquiries removed off my credit report. I Have received letters from Transunion stating the accounts on my report are not showing up. I have printed out a copy of my credit report and each account that I have requested for them to remove are all there. Please reinvestigate and Have these unauthorized accounts removed off my credit report as they are effecting my lifestyle daily. 

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 *See attached for reports of inquires*
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : # XXXX, Account Name : # XXXX, has violated my rights. 

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, has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.U. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more that XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I relocated with proper notice to the rental office. My relocation was due to the reoccurring use of fire arms by others with in and near the building I was placed. ( The last occurrence was a bullet hitting my window waking my child and I out of our sleep. This and all other occurrences were reported and documented. There was no need for me to recertify my lease when I was already gone. This should not be and shouldve never been placed on my credit report. This continues to hinder me from moving forward in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting right or wrong im saying i am not 100 % sure if it is. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if there's anything missing. 

XXXX XXXX XXXX-Account # XXXX
Product: Money transfer, virtual currency, or money service

I had several unauthorized charges on my card in XXXX and XXXX and one of them was for Paypal. 

I do not have a pay pal account and this is the second time within the past few years they have stolen money from me. The last time they managed to get several thousand dollars before I was able to cancel my card. 

When I contacted them about the fraudulent charges they said I needed to set up an account with them in order to dispute the charge. I did not want to set up an account with them since they have a history of stealing my information. 

I did end up trying to login to the account they " created '' for me last time they stole money from me and they claim I owe them money from the previous fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my Capital One account was flagged for suspicious activity because my life partner, who has been sending money to this account for the entire year prior, sent me {$1000.00} for rent. 

His account, which is not attached to mine in any way, was closed due to him receiving a cashiers check and the person then claiming they never gave it to him ( even though it had all his information printed on it, along with multiple communications with the person provided to Capital One.

Capital One has refused to speak to him after months now regarding his issue. 

Capital One is now refusing to release the funds in my checking account, in the amount of {$81.00}, due to him having sent me funds back in XXXX from his now closed Capital One account. They are stating my account is being investigated for fraud because its linked to his account, which again it is not. 

The only response I can get from speaking to Capital One is that the matter is being looked into. The representative in the fraud department, XXXX, kept repeating over and over " the investigator is looking into it. '' I believe someone from the Federal Governement needs to " look into '' Capital One and their fraud department processes.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified Experian, submitting my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being. I've noticed that XXXX shows an account balance of {$20000.00}, along with a credit acceptance account marked as collection/charge-off. This information was included in my identity theft report. I strongly urge Experian, XXXX, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than XXXX business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.