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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations that have significantly impacted my financial well-being and to request the enforcement of my legal rights as a consumer under applicable federal laws. The violations pertain to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and other relevant regulations. 

Unauthorized Inquiry - XXXX Violation : Fair Credit Reporting Act ( FCRA ) Unauthorized inquiry without consent on XX/XX/XXXX. 
Billing Error - XXXX XXXX Violation : Truth in Lending Act ( TILA ) Account Number : XXXX Inaccurate information reported despite consistent on-time payments as agreed. 
Various Violations - XXXX XXXX XXXX Violations : Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) Account Number : XXXX Litigation involvement, incorrect high balance, inaccurate date of last activity, re-aged accounts without proper notice, false representation of debt status, improper communication of credit information. 
These violations have had a profound and distressing impact on my life. I would like to share a personal story to illustrate the emotional toll and hardship these violations have caused. 

[ Share your personal story here. Describe how these inaccurate accounts have affected your ability to secure housing, employment, or financial opportunities. Explain the stress, anxiety, and frustration you've experienced due to the false information on your credit report. Be detailed and convey the emotional impact as vividly as possible. ] Given the significance of these violations and the severe repercussions they have had on my financial and emotional well-being, I kindly request the following : Thorough investigation and enforcement of the violations outlined above, including appropriate penalties for non-compliance with federal consumer protection laws. 
XXXX removal of the unauthorized inquiry by XXXX from my credit report. 
Correction and update of the inaccurate information provided by XXXX XXXX on my credit report, in accordance with the Truth in Lending Act. 
Removal of all inaccurate and unverified information associated with XXXX XXXX XXXX from my credit report, as required by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other applicable laws. 
I am deeply committed to resolving these issues and restoring the accuracy and integrity of my credit report. Your intervention is crucial to ensuring that my rights as a consumer are upheld and that I can regain control of my financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a swift and just resolution of these violations. Please keep me updated on the progress of the investigation and actions taken. 

Sincerely, XXXX XXXX
Product: Mortgage

I was awarded funds from XXXX on XX/XX/2022 and my mortgage ( shellpoint mortgage ) is saying they have not received any payment yet.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every station date and balance whether reported or not. 
account Item and Number ) also respectfully request to be provided proof of this alleged item, specifically proof that these aments were in fact late. By the provisions of the consumer protection laws. I demand that if enable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months n also requesting the description of the procedure used to determine the accuracy mpleteness of the information. I have read that this must be provided within 15 day + Completion of your reinvestigation. I also read that under federal law, you have 30 days complete your investigation. 
is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must done within 30 days of receipt of this letter, or you must remove the incorrect information. Thank you for your prompt attention, time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not 100 % accurate contains wrong balances and amount owed originally.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  has three instances of late payments on my credit report. Despite making a payment in XX/XX/XXXX, it was reported as 30 days late in XXXX XXXX. Another payment made in XX/XX/XXXX was reported as 30 days late in XX/XX/XXXX, and a payment in XX/XX/XXXX was reported as late in XXXX XXXX. According to the law, creditors must report accurate information. I demand that the information be updated to reflect that the payments were made on time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions.

Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. 

XXXX XXXX XXXX has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.
Product: Debt collection

Previous CFPB Complaint XXXX Dear Western Funding. I am aware that you are an original creditor and while 'debt validation ' may have been the wrong wording to use in the letter the intent was to determine if your company followed UCC requirements in repossessing the vehicle. You may not be required to validate the debt but you are required to show proof you followed the law! So again ... I demand proof that the repossession of the subject vehicle was legal in accordance with the following : Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title Dunning Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Checksheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). Letter of Private Sale ( Disclosing Purchase price of the buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of the claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Product: Credit card or prepaid card

XXXX XXXX : XX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX XXXX for XXXX XXXX for XXXX XXXX XXXX and chase Banking have been charging my credit card for {$66.00} on a XXXX XXXX purchase I never made. I have contacted both companies over the course of 4 months each time being assured the charges will be dropped and yet whenever I call chase to see why the charge still appears they tell me because I made the purchase despite the fact that I have been disputing this charge for four months!
Product: Vehicle loan or lease

On XX/XX/XXXX a payout to XXXXXXXX XXXXe for XXXX $ To settle the lease for a new car purchased at XXXX XXXX XXXX. 

The payoff for the 2019 XXXX was XXXX XXXX As per XXXX XXXX own website, they were to remit the difference within 15 days of the payoff. I have yet to receive the refund. Additionally, XXXX took 6 days to even acknowledge the payment only listing the amount due, not the overpayment. 

XXXX has not honored their own policy in issuing a refund, but also a level of malfeasance in reporting the payment on my account. Ill file a separate report as they have also manipulated this account with the credit bureaus.
Product: Student loan

I am very confused as to why I have student loans from Navient Department of Education and they did NOT pay the University that I was attending for the Fall XXXX semester. The university NEVER received the money but I still have to pay back the loans that I never received. Another thing is that I did not attend the university for the XXXX semester because the university did not receive the full tuition payment. So therefore I had to leave college because of financial issues due to loans that I never received.
Product: Credit reporting or other personal consumer reports

TransUnion added late payments on multiple accounts shortly after I submitted disputes regarding inaccurate reporting. They also continue to report charged-off and collection accounts without providing proper verification or documentation. These actions appear retaliatory and violate the FCRA. I am requesting immediate removal of these inaccurate entries and a formal CFPB investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stored personally identifiable information in an unsecure fashion allowing hackers to easily steal it. They waited over 2 months to reveal the loss and executives cashed out stock prior to public ally acknowledging the theft. They offer credit monitoring service, but fail to offer credit repair service for free - a likely necessity for those of us in the breach. They also want us to give up the right to sue them or join a class action lawsuit.
Product: Debt collection

I received a very disturbing voice mail message ( XXXX ) XXXX from someone name XXXX XXXX he never stated the company he was calling from.. he didnt tell me what the call was In reference to he only stated he had my information and he was calling on behalf of his client but he had access to all my assets records which really alarmed me. I called the number back and a female answered I believe she said the company was XXXX. I have never heard of them. She went on to tell me the last XXXX of my social, my address, and date of birth. She said I owed debt to Tempoe LLC which I have no knowledge of. She claimed they have been trying to reach me through pre litigation which is absolutely a lie because I have no idea who these people are and they are not on my credit report.. she said I owed {$2300.00} for furniture purchased XX/XX/XXXX. She said my last payment was made XXXX of XXXX. She asked me to verify an email address I never heard of I told her that was not my email address at XXXX she then stated that someone would be out to my house XX/XX/XXXX to serve me between XXXX which is very concerning because I have no idea what is going on.. after I hung up the phone I did some research and found out that Tempoe LLC was sued for frauding customers so I dont know if this is a scam. I also did more research and in my state of P.A the statue of limitations to be sued for debit is 4 years from the missed payment.. its been 5 years.. Im very nervous now because this company has my information and Ive been a victim of identity theft in the past, And what is more alarming is after that call I attempted to call the company back numerous times with no answer only a voice mail.. Im very scared. I denied all claims to this debit and never heard of this company until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX  XXXX & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Product: Credit reporting

I get an account with national recovery on my Equifax credit report who supposed to be closed. I want this account to be removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX  - XX/XX/year>2024 XXXX - XX/XX/year>2024 Section XXXX ( XXXX XXXX. XXXX ) requires a prompt investigation of disputed information. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Mortgage

We started a refinancing process with U.S BANK in XXXX of this year, we are in XXXX and they have not given me a definitive answer. On XX/XX/XXXX we paid {$390.00} for the application fee. The closing date was XX/XX/XXXX, later they told me it was XX/XX/XXXX, then it was XX/XX/XXXX and finally is XXXX and we don't have an answer. During this time I got better rate for the home insurance but I could get because they never made the closing. As time has passed, they asked me again for information that I had already given ( pay stub, bank statements ) and  additionally they ran my credit again, they have run my credit report twice. Now they are asking me about the new requirement and when I applied I met all the requirements. We lost money and time.
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 Balance : {$840.00} XXXX XXXX XXXX Balance : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting experian was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB
Product: Credit reporting or other personal consumer reports

ACCOUNTS 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 XXXXXXXX I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from my credit report.
Product: Credit reporting or other personal consumer reports

I have already disputed these items with the bureaus, but they didn't delete or validate them. 
Please remove these accounts from my credit files. 

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 this debt appeared on my credit report. I have no knowledge of this debt.
Product: Credit reporting

XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a car loan and was denied because of a lower credit score. I've always paid my bills on time and was surprised and upset to hear this news. I contacted the police and FTC concerning this issue. When I had my credit pulled, I noticed several things that do not belong to me. US DEPT ED, USDOEXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my identity theft report several times to XXXX Equifax and XXXX asking them to block and remove these fraudulent accounts of XXXX XXXXXXXX XXXX XXXX- XXXX. XXXX and XXXX XXXX- XXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX