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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against Exeter Finance regarding their handling of my auto loan for a XXXX  XXXX XXXX, account number XXXX. The issues with this loan include predatory lending practices, excessive and potentially illegal finance charges, and failure to resolve disputes appropriately. 

Background and Issues Excessive and Predatory Finance Charge The finance charge on my loan was {$26000.00}, which is higher than the amount financed for the car, which was {$23000.00}. This finance charge, when combined with the Annual Percentage Rate ( APR ) of 28 %, is exorbitant and indicative of predatory lending practices. It is unreasonable and unjustifiable to charge such an excessive finance charge, especially when a co-signer with good credit was involved in the loan agreement. 
Potentially Illegal Down Payment Practices The contract indicates a down payment of {$5000.00}, which is said to include a trade-in allowance. However, there are inconsistencies and potential illegal practices regarding this down payment. Specifically, it appears that the down payment may never have left the dealership, suggesting deceptive practices to inflate the loan amount unnecessarily. 
Violations of Usury Laws While I understand that Georgias usury laws allow for certain higher interest rates on larger loans, the combination of a 28 % APR and a finance charge that exceeds the amount financed significantly violates the principles of fair lending. This is especially concerning given that the co-signer should have provided additional security, typically resulting in lower interest rates. 

If these issues are not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Department of Banking and Finance, and seeking legal counsel to explore further actions against your company for predatory lending practices and violations of state and federal laws.
Product: Debt collection

XXXX XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor Portfolio Recovery Services that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX . Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian requires you to create an account to freeze your credit with them, which I did. I was informed that my Experian account information was changed on XX/XX/XXXX. I did not change it. When I tried to contact Experian, I could not get anyone on the phone. I called Monday, XX/XX/XXXX to try and resolve the issue again. That is when Experian informed me that in addition to my Experian account information being changed, they opened a fraudulent Experian Smart Money digital checking account in my name. I did not open this account, nor did Experian notify me that this had occurred. Furthermore, Experian completely ignored my active XXXX fraud alert and freeze, which has been active for several weeks ( and has stopped other accounts from being opened ). After some research, I found out that XXXX XXXX XXXX XXXX  partners with Experian to issue Experian XXXX XXXX Accounts. This bank never contacted me and also ignored the active XXXX freeze. The account is now closed, but the larger issue is that Experian and XXXX XXXX XXXX XXXX  willfully ignored the XXXX freeze and fradulently opened a checking account without my consent. Furthermore, Experian refuses to do anything to resolve the hacking of my Experian account, which I believe led to this fraudulent activity. They won't close the account and they won't reset my information. They keep telling me I have to do it with the original information I provided when I opened the account ( email, phone number, etc. ), but the hacker changed all of that and has hijacked the account. I am very concerned this may lead to more fradulent checking accounts being opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the Equifax data breach and may have got a hold of by the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX  POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, NON XXXX, XX/XX/XXXX XXXX  XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I opened a Citibank checking account online XX/XX/XXXX. When I visited the branch in late XX/XX/2020, I was told my account was frozen for the first time. I was given the 800 customer service number and told to call Monday-Friday. I called that following Monday and was despite answering all verification questions correctly, I was told my account would be immediately closed and my funds would be sent to the address on file within 10 days. I waited but never received the check. I have visited the XXXX XXXX and the XXXX  XXXX XXXX branch and spoke to the manager there XXXX XXXX to no avail. I've made multiple calls to the 800 number and have provided scanned images of my passport and my most recent paystubs, as requested. It is now the XXXX of XXXX and I have yet to receive the funds. I have been patient and complied with every request but the bank has kept my funds and has provided the most unprofessional service I have encountered in long time. The balance on the account is urgently needed for medical reasons and it is being held without reason. Please assist me.
Product: Debt collection

XXXX / XXXX / {$0.00} AXXXX / XXXX / {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Mortgage

I am a XXXX XXXX XXXX, representing my sellers in this transaction that has gone bad. My formal complain is against Elite Lending, specifically XXXX XXXX, XXXX XXXX and XXXX XXXX who were all involved in the buyers loan and cc 'd on every message that went out. Close of escrow was scheduled for XX/XX/2022. After several attempts trying to get in touch with XXXX XXXX ( XXXX, XXXX ), the buyers lender, I got a hold of the owner of Elite Lending, XXXX XXXX XXXX ( XXXX, XXXX ) on XXXX trying to get answers as to why 12 days prior to closing, I still had not heard from an XXXX. I was completely unaware at this point that there was even an issue with the buyers loan. I had been in receipt of 2 loan status updates ( one on XXXX & XXXX on XXXX ) that stated the appraisal had been paid for and ordered on XXXX ... which was completely falsified information. I had been advised the evening before from the buyers agent that the appraisal had not been ordered which is what prompted me getting in touch with the owner XXXX XXXX was completely unresponsive. I'd also like to point out that the closing date mentioned on the XXXX was incorrect as it stated the 2nd when in fact it was actually the 1st. After speaking with XXXX several times, he stated that the loan was going to be denied bc the buyers employer would not issue a statement that the buyer was expected to continue to receive additional income like bonuses and overtime pay. Why this wasn't done in the beginning, I do not know. 
At any rate, the lender issued a loan denial letter stating " income insufficient for amount of credit requested '' signed by XXXX and the transaction has been cancelled and the buyers XXXX money was released to the buyer.
Product: Credit card or prepaid card

This concerns a Capital One Quicksilver account. 
I have limited vision. Because of small print, low contrast between silver background and white letters, and the high reflectivity of card, I can not read it even in good light. In particular, I can not read the customer service phone number or expiration date even with a magnifying glass. This means I can not use the card over the telephone.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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. 
XXXX XXXX XXXX XXXX XXXX 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

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion. checking my file ive noticed alot of errors that are causing denials on my. credit report this needs to be fixed asap. please review an remove all following information listed in the files.
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX XXXXXXXX account that has been charged off with XXXXXXXX XXXX  and settled with the debt collector, XXXX XXXX, still appears on my credit report as a negative account with late payments. This is hindering me from obtaining housing and new lines of credit. Please see attached for documentation from both companies.
Product: Credit card or prepaid card

Hi I 've made a payment on my  Amazon.com credit card, before I heard from them I saw my bank rejected the payment for one reason, I 've attached a snap shot where you can plainly see when they charged me {$29.00} ifs for Amazon while there was {$400.00} in my account. My payment was {$110.00}. Clearly the money  was there. I immediately I log on and pay {$300.00} and they tell me my account is closed. With no warning, no letter in the mail, no phone call. I 've called to try to speak with them but I 'm refused any help. I was informed that they sent a letter on the  XXXX . Which is 9 days after my payment was due. And told I would n't recieved it f or 9 to 1 0 days. Stating my account was closed. Also I 'm not given any information about the reporting of my account to the credit beurro. I was given an address at end of call t hat may or may not review my info. Also I asked if the payment was submitted 1 or 2 times to my ba nk and recieved no answer in regards to that.
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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX USA INQUIRXXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX XXXX XXXX, MD XXXX, Delete any other addresses listed that should not be on my report effectively immediately. But if XXXX XXXXXXXX XXXX  USA ; XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXXE ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX XXXX, XXXX able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I'm writing to file a cease and desist order again World Finance. I understand that I'm a little behind on my loan and will eventually get it caught up, but for now, I need to get them to stop blowing my phone up and calling my reference. All this is doing for me is causing me more stress than what I need right now. The economy is not in the best shape, and we are edging closer to a recession and is having a substantial economic impact on my financial situation, and need them to get off of my back and give me some breathing room till I can get my loan caught up. Again please issue a CEASE and DESIST order again World Finance.
Product: Debt collection

As of XX/XX/2022 Affirm claims the following debts for the amounts of {$320.00}, {$220.00}, {$300.00}, {$470.00}, {$250.00}, and {$45.00} belong to me. These accounts however, were never opened to my knowledge and therefore have been reported to my credit as collections fraudulently. I am herby asking to have them removed.
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. 

I TOLD XXXX, XXXX, AND EQUIFAX TO REINVESTIGATE THESE ACCOUNT!! 
XXXX XXXX XXXX XXXX HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE. BUT HOW IS THAT POSSIBLE IF OPEN DATE AND LAST ACTIVITY AND MUCH MORE IS FALSE AND INCORRECT!

15 USC 1681I ( 5 ) THEY ARE SUPPOSED TO MODIFY ACCOUNTS THAT ARENT REPORTING CORRECTLY 15 USC 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 RESONABLE CAUSE TO BELIEVE INFORMATION IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the information on my credit report related to a collection account and bankruptcy. 

The collection account with the account number XXXX, which is listed on my credit report as being originally reported by XXXX  for rent self-reported, is inaccurate. I have never been a tenant at any property managed by XXXX and I have never incurred any debts related to rental payments. Therefore, I request that this information be removed from my credit report. 

Regarding the bankruptcy information on my credit report, I have recently noticed that my bankruptcy case number XXXX is reported twice with different descriptions : " Bankruptcy U.S. Bankruptcy Court '' and " XXXX Bankruptcy ''. I would like to request that this discrepancy be resolved and the duplicate listing be removed from my credit report. 

I understand the importance of maintaining an accurate credit report, and I appreciate your attention to this matter. Please investigate this issue and provide me with a written response regarding the actions taken to resolve these disputes. 

Thank you for your time and attention. 

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

XX/XX/year> Subject : Formal Complaint Against Experian for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX