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

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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
Product: Debt collection

On XX/XX/2019 Howard Lee Schiff PC took roughly {$2300.00} of Veteran XXXX Pension from my bank account. Ive called them multiple times and have sent them endless documents to which they closed the account and considered it paid. This is illegal, they cant garnish VA benefits. Ive provided them everything they needed to confirm my identity & bank information along with VA benefit information. They refuse to put the money back in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter.

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

XXXX  and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you Mr. CFPB for looking into this.

please follow up with this usa cfpb
Product: Vehicle loan or lease

I am five payments away from paying my XXXX XXXX XXXX off. I lost my secondary employment, so things have been tight, and I have been late. I did seek help from Ally Auto, and they told me that they couldn't help me. Well, I have been paying the best way I can. So now I owe for XXXX and XXXX and my next payment is not due until XXXX XXXX XXXX  Well first on Friday I tried to gain access to my account, they have it blocked, I called and spoke with 2 people and then was passed off. This is the second time that I have been locked out of my account and not allowed to go in to pay something or see what is owed. I have no idea, what they are doing. I don't know what they are doing and at this point I don't know why I'm constantly being locked out. Then today I received mail, a certified letter saying that on the XXXX they will repossess my vehicle. I don't get paid until the XXXX XXXX XXXX and I won't be 3 months behind until XX/XX/XXXX. I have had issues with this company since I got this vehicle and now that I'm almost done and facing financial hardship, I believe I'm being harassed and not giving a chance to get things in order. Then I'm having issues when talking with someone, I have been transferred around and hung up on. I have issues with Ally financial auto when it comes to reporting, they report to my credit very quickly when late, but when I'm on time they barely report to the credit bureau, I have to call and force it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several collection accounts on my credit report that does not belong to me. 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the consumer sent dispute letters to all 3 CRAs ( XXXX, Equifax, & XXXX ). My reasoning and justification were to report and start an investigation into inaccurate reporting on a Closed/Cancelled charged-off account. After receiving a response from all 3 CRAs. I called Equifax to get an understanding of how these accuracies were verified. After their thorough investigation, it was explained to me that this account was accurate and verified. When explaining to them the impossibility of this, their statement was to call the creditor to ask for the deletion of the account. After explaining to the CRA that I have called multiple times and asked the creditor to receive accurate reporting and I explained to them the inaccurate reporting, the creditor denied my deletion request. The CRA wanted me to dispute the inaccuracies again but after further explanation ( I ) the consumer and CRA did not come to an understanding. I also have recordings of this conversation of admittance that they have been reporting wrongfully. Also, Equifax stated that their agent made a mistake in how to handle the dispute. I further explained that this mistake should not fall on the consumer as it is the responsibility of the CRAs. Once the consumer disputes what has been considered inaccurate that the investigation should show merit validity to the result. With these disputes of inaccuracies in my report, my XXXX XXXX and financial progress have been halted and taken their toll on my XXXX  due to the lack of a thorough investigation. Attached below are the documents sent to all 3 CRAs and an outline of the inaccuracies in the credit reporting in question. 
XXXX5 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 
Part 7 : Section 611. Procedure in Case of Disputed Accuracy If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : XXXX. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and XXXX. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit card or prepaid card

XXXX XXXX which manages the card I used through XXXX XXXX charged 28 % interest on a 12 month same as cash purchase from XXXX. My total purchase price was {$13000.00} of which I made on time and regular payments each month leading up to the end of the promotion. Unfortunately I missed the cutoff date to pay off the account and was charged {$3800.00} in interest. I have tried on several attempts with XXXX XXXX to get the interest removed and paid the full amount due while I was discussing this situation with XXXX. I was lead to believe that they would remove they full amount if I paid the account balance off but that did not occur. I would never ( and never will again ) use this service given the predatory rates and practices at XXXX. 

Research done through XXXX also shows a history of poor service and unfairly high interest rates which has earned XXXX a rating of D+. I'm sure they would have an F if allowed to give them 0 stars instead of min of 1.
Product: Debt collection

This is the same incident I reported in my previous case regarding rental applications made fraudulently under my name out in Colorado. The original debt was with XXXX  XXXX ( whatever that is ) and the previous collections agency has just turned this collection over to the next debt collector. The amount they are looking for has increased to {$200.00}. The current debt collector is Transworld Systems Inc ( tsi ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never visited Colorado and never had any dealings with XXXX XXXXXXXX. Someone has stolen my identity, which is possible because my employer ( Department of Veteran Affairs ) has had multiple data breaches over the last several years that we have been warned about. The debt collector wants me to provide them with all kinds of personal information, but I'm hoping the CFPB can help, because I don't want even more of my data out into the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Hard Inquires on my credit repair. However, I have not heard anything from the credit bureau. I never authorized any one to run hard inquiries on my account. Excessive hard inquiries are damaging my credit. I am have been having migraines and severe stress due to this! The unauthorized inquiries started on XX/XX/2018 until XX/XX/2018. I have wrote to the bureaus. It has been over 30 days, I still have not received an answer what is going on with my dispute. Again, for the record I never authorized any company verbally or in writing to run a hard inquiry during that time fame I listed above. XXXX and XXXX removed the unauthorized inquiries, however, Equifax still has not did anything!!!
Product: Mortgage

I called a mortgage banker XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX. 

I applied for a home loan grant for down payment assistance. 

The banker ignored my calls and then referred me to other credit counselors after I got denied. 

After going to the counselors, they told me that he shouldnt have referred me to them as they can not help. 

The credit counselors believe the banker is practicing discriminatory actions towards me. 

This seems to be another story of an XXXX American being shun from mortgage programs
Product: Debt collection

I attempted to get verification of a contractual agreement from the company. For verification, I have not received anything for verification. I also realized that this company does not have a Debt Collector license in the state of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I paid off my car ( XXXX XXXX ) in XXXX and had car loan company sent the report which identify my paid off car loan to 3 major Credit bureau, 2 of them ( XXXX, XXXX ) updated my credit report but XXXX  failed to updated my credit report. the car loan report still show up on XXXX  credit report. since i am apply for home loan and need clear my credit report, i tried contact XXXX and they always said nothing received from my car loan lender. 

pls help me with my problem, it 's very important for me to clear car loan on XXXX  Credit Report Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate items on my credit report
Product: Money transfer, virtual currency, or money service

-- I did 6 wire transfers from my XXXX XXXX checking account to my Coinbase account and then from my Coinbase to an app called XXXX. 
This happened between XX/XX/XXXX and XX/XX/XXXX. 
l met a man from a dating app called XXXX XXXX. His name is XXXX XXXX. We talked from XXXX XXXX. His phone number is XXXX. He says he is a banker expert and he will teach me XXXX to do a short trading investment through Coinbase and XXXX. At that time l XXXX  XXXX and it shows that app was legitimate, that is why l decided to downloaded the app by the XXXX XXXX because l have an XXXX. l started with {$10000.00} and l made {$1700.00} at the first time. l was able to withdraw the money to Coinbase. l did everything under his lead, sharing screenshots from my phone to his what's app. One day, l do not know exactly when, he told me to apply for a campaign in XXXX, because according with him l could earn more money from that under his lead. l did that on the XXXX app in the customer section. On XX/XX/XXXX, he told me to withdraw my money because the trading figures were not good. I did the withdrawal but it was taking longer that we expected according to him. He told me to contact XXXX customer service. l contacted them and they said that l can not withdraw the money because l did not make the campaign so, I had to pay the 10 % penalty fee ( {$18000.00} ) to get my money. l asked them to take that money from my account and they said they can not do that because that was illegal. I talk to that man and he said that l should try to get that money to withdraw my funds. I did a loan in XXXX XXXX XXXX for {$22000.00} that money l spent on that and additionally l got a loan from XXXX. l got in total from XXXX and my salary {$4000.00}. I added that money to XXXX, but still l needed {$14000.00}. He told that he will help me. Suddenly, on XX/XX/XXXX that man blocked me from what's app. On XX/XX/XXXX l went to open the app and it did not open. l went to XXXX again and l found that the app XXXX is a scam. l was able to open the app later that day, until now l can contact XXXX customer service and they say just the same about the penalty fee.
Product: Credit reporting or other personal consumer reports

Dear Transunion, my one and only name is XXXX XXXX XXXX XXXX my one and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Last XXXX of ssn : XXXX. Transunion : XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. code1681e ( b ) accuracy of report. whenever a consumer reporting agency furnishes a consumer report it is their grave responsibility to fairness and accuracy of the information concerning the individual about whom it relates. 15 U.S. code 1681i ( 5 ) a ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. FICO is its own identity, it does not affect the credit score. 15 U.S. code 1681- without my written permission you can not furnish my credit report. 15 U.S.code 1681 ( 4 ) - there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumers privacy. 15 U.S. code 1681 ( a2 ) - consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX I sent money to my cousin in XXXX XXXX Sendwave XXXX XXXX XXXX XXXX XXXX  Sendwave XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MA XXXX United States XXXX. ( XXXX ) XXXX www.sendwave.com I received an email a minute later I stating This receipt is not proof that funds have reached the XXXX waited a few hours for the transaction to process but till today XX/XX/year> the payment hasn't been processed.The money was drafted from my account on the same day of XXXX.Ive called customer service and each time the representatives tell me they'll be escalating the issue to the escalation team.I kindly need assistance because I'm afraid that sendwave will not give me a refund even after requesting for it multiple times
Product: Credit card or prepaid card

I made a payment following my XX/XX/XXXX due date however Capital One applied it towards my XX/XX/XXXX-XX/XX/XXXX billing cycle as opposed to correctly crediting my XX/XX/XXXX-XX/XX/XXXX cycle. 
I made a payment for XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX. This payment satisfied the amt due for XX/XX/XXXX. I made my next payment on XX/XX/XXXX, however they applied it to the previous cycle and did not correctly apply it towards XXXX. 

At there request I am paperless. At there request, I use there App for my acct management. The App lists the due date, it makes no mention of billing cycles, no information relating to which cycle a payment will be applied. The only information I have on there App 's acct info screen is the due date. I made my payments based on that date. Based on the info they provide the customers on the App, they did not apply my payment correctly, perhaps this is intentional and warrants a UDAAP review as it likely causes many customers to fall behind and allows Capital One to earn revenue generating late charges. 

I attempted to resolve this on XX/XX/XXXX at approximately XXXX. I called the customer service department and spoke with a CS Agent. That agent put me on hold to investigate, they could not explain the posting process. After being on hold for multiple minutes, I asked for an update and received no response. That agent then disconnected from our call and hung up. I believe she knew that she wasn't confident in CapOne 's reason for how they posted. I called back and spoke with XXXX ( XXXX ). She said they " couldn't change the payment ''. I requested she take an internal complaint and advised I'd be contacting the CFPB to complain as well. 

I believe there are potential UDAAP ( App could be deceptive in due dates ), FDCPA ( Acct not updating balance/amt due correctly ), and Reg Z ( payment not applied correctly ) issues.