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

XX/XX/XXXX, I filed a dispute with all three credit bureaus due to seeing Collection Accounts I had no knowledge of, Accounts that were paid off and still showing reporting. Equifax has removed several accounts that I disputed due to incorrect information. XXXX and XXXX never investigated. According to XXXX, all a creditor has to do is submit via email that the account has been verified and no other information is required from the creditor. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am now showing an collection from XXXX XXXX and I never received a collection letter in order to dispute this account with them, I don't know who they're collecting for and they are not licensed in the State of Alabama nor is XXXX  XXXX, XXXX XXXX XXXX, is also not licensed in the state of XXXX XXXX account number ending in XXXX was paid off in full, I also received a refund check stating that the obligation was handled and it's on my report as a collection. XXXX XXXX  XXXX I disputed this account with all three credit reporting agencies and Equifax was the only agency that investigated and removed this account, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXi was also removed through Equifax but XXXX on XXXX and XXXX due to not properly investigating accounts. 15 U.S> Code 1692, Abusive collection efforts. Ability Recovery is also showing not licensed in the state of Alabama and the account was paid prior to being submitted on my credit report. XXXX XXXX  XXXX  should have been over seven years old, but the company continues to update my credit report with a different date of closing and charge off so the account won't fall off. This account was closed back in XXXX. Under my personal information, I advised XXXX and XXXX along with Equifax that I have never applied for any accounts under aliases, different social security numbers and asked that they remove this information. My account is still showing an social security number XXXX under XXXX along with an Employer of XXXX XXXX  and that is incorrect. XXXX is still showing an alias of XXXX and I never used this alias and requested this information be removed. I submitted my driver 's license and social security card to validate my identity and these agencies continues to report incorrect information. I am requesting that these credit reporting agencies be investigated and forced to adhere to reporting true and accurate information and to enforce the dispute validation process. My information was found on the dark web and I had an address in another state, another city that was not mine and these agencies are not taking our dispute complaints seriously. I am attaching documentation.
Product: Vehicle loan or lease

This account has been reporting incorrectly on my credit report for months. I received a letter stating that I did not owe anything else on this account. Due to the incorrect reporting and inconsistent to all 3 bureaus, This account should be removed from all credit reporting companies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

The collection amount is {$300.00}. I have not been a XXXX customer since XXXX or XXXX. I was stationed overseas in XXXX when the collection account was opened. I have never been contacted or notified of a collection prior to it showing of on my credit report XXXX XX/XX/XXXX. I contacted the XXXX customer service but they said they already sold my account to Jefferson capital systems collection agency without noticing me. I didnt owe money to XXXX because when I closed my account in XXXX or XXXX, I paid all my bills over the phone with a lady from XXXX.
Product: Mortgage

I paid off my loan for my home on XX/XX/2019. I was told and received papers letting me know the escrow amount would be held for 20 days incase there were payments which had to be made. After 30 days I called to see what was going on and was told a check had been mailed to me on XX/XX/XXXX. I did not receive a check. The lady told me to call the following Wednesday if I had not received it yet. I called and a man told me they only issue checks once a month for escrow and that they would be sending me another check on XX/XX/2019. Today is XX/XX/XXXX. After waiting 2 hours on the hold on the phone I talked to XXXX who told me a completely different story. She said they had mailed the check on the 15th and had to wait 30 days to mail another check. She told me to get back with them on the 18th if I have not received it. I asked if there were another place that I could contact them rather than the phone because I was on hold for 2 hours. She suggested the web site which I have been on for about an hour, it has no information about my escrow. I feel like I am getting the run around from this company. I get a completely different story from everyone I talk to. The only thing they all have in common is that they want me to call back. She also said if someone cashed the check they cant reissue it. Now I expect them to say it was cashed so they don't have to refund my escrow. If I used the same excuses they did my credit would be horrible. It is just a wild goose chase from Nationwide.
Product: Credit reporting or other personal consumer reports

XXXX 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 unverifiable 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 consumers of dispute outcomes. These failures align with my experience, where XXXX 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, inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX, upon request, I spoke via telephone with XXXX XXXX XXXX, USAA Member Advocacy, Office of the CEO. Her office telephone number is XXXX, XXXX. 
During this call, XXXX XXXX stated to me that USAA has never reported a 30 day late to my Credit Bureaus, Further, also revealed to me was that my account was actually on a pay-a-head schedule, ( which I was not previously aware of ). In fact, I had often wondered why payments that I would make for a given pay- month cycle would NOT SHOW as having been applied to that months balance, as the payments were received/posted by USAA XXXX In fact, it did appear that these payments were routinely not posted until the next statement date. If this is a correct and normal accounting practice, I can easily imagine that there is significant impact to the interest that an account generates, much more than warranted. My monthly minimum payments have, frequently, been very large, often over consecutive months. For me, these payments have been budget-busters because as a senior I am on Fixed income, but, somehow, I have managed to mostly keep pace. If I am correct, this is an extremely unfair accounting practice for the consumer and should be abandoned/corrected by USAA. 

As evidenced by the Attached XXXX XXXXXXXX XXXX Report, USAA did report a 30-day late on my account in XX/XX/XXXX, and, another 30 -day late report was actually threatened by a USAA representative for a XXXX, XXXX payment, actually made on XXXX XX/XX/XXXX, within the XXXX Payment schedule period, but, again, not posted ( I assume, until the XX/XX/XXXX Account Statement date ). I assumed that this threat was due to an overzealous attempt by an USAA agent to collect a debt. Also, the XXXX   Attachment Credit Report shows the dates of Payments made and the often Large amounts of these payments and over the course of two years how little of the total of payment amount actually went to reduce the principal balance I made no or very few purchases/charges to the account during this two year plus period. 
I contend again, that I have not been 30-day late on my account and that the existing 30-day late on my credit bureau for XX/XX/XXXX should be removed as soon as possible. 
I am also attaching a copy of my USAAs Statement of account dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

I have switched my home insurance to XXXX in XXXX. Quick Loan escrow made a payment to XXXX on XXXX XXXX in the amount of {$1100.00} and got a refund back from XXXX on XXXX XXXX because the payment was to the wrong XXXX. I was not aware that the payment was to the wrong place and refund was received until I got the cancellation notice from XXXX. I called Quicken Loan escrow on XXXX XXXX and they assured me that the correct payment will be sent out via overnight mail. I received a final cancellation from XXXX again, as the result, I had to pay out of my own checking account in the amount of {$1200.00} as the result of late payment. I called Quicken Loan escrow again to find out the status of the payment. Apparently Quick Loan escrow sent out a check in the amount of {$1100.00} on XXXX XXXX in the regular mail instead of overnight. As the result of Quicken Loan escrow. I end up paying additional late fee and the risk of cancellation on my home insurance policy. Quicken loan not only did n't pay my home insurance on-time, it was also paid in the wrong amount.
Product: Debt collection

XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1200.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS.

Please delete the following accounts : XXXX XXXX  XXXX. {$690.00} XXXXXXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX. {$690.00} XXXX XXXX XXXX. {$500.00}
Product: Credit card

i feel capital one is the best bank ever so i want to give this feedback sent letter to CEO I have been on both my cards a very loyal customer and i also have had a very rough last few years including but not limited to high medical bills. etc i asked for a loyalty XXXX dollar credit on XXXX card and was told there are notes not to give it. while i understand your side please know it makes me feel uneasy when notes are put on my account. please take them off. i will use my car minimally now as i feel uneasy yet acknolwedge the help in the past. please know i have been as a result a very loyal customer. Please take notes off. it is a deal breaker for me. XXXX dollars XXXX more time esp with the new XXXX account i opened would have been a nice gesture. I have XXXX XXXX in medical debt for my child. Still a good bank. no notes please.
Product: Credit card or prepaid card

I found a Charge offs on my Credit report form XXXX XXXX XXXX I disputed it with the CRA it came back verified. I than sent a letter to XXXX XXXX XXXX about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your XXXX XXXX XXXX does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of the person knows or has reasonable cause to believe that the information is inaccur
ate.
Product: Debt collection

I was contacted more than a year after I visited XXXX, XXXX by Cedars Business Services,, a debt collector out of XXXX, CA. I was informed that I had committed a traffic infraction and that I owed {$440.00}. I received no citation or knowingly committed any traffic infraction while in XXXX. 

Cedars Business Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX, is File # XXXX, Creditor : XXXX XXXX  XXXX, Creditor Account # XXXX, Principal : {$440.00}. Phone # XXXX. 

My grandfather, XXXX XXXX was with me in the rent car that is at the center of this scheme. Since he was present during rent car event, he is assisting me to resolve this problem. 

It appears that there are license plate readers that pick up the plates from the rent cars throughout the city. The license numbers are bounced around the city for a year or so picking up additional fines and fees. 

The city is then provided the driver 's identity by the rent car company and the case is turned over to Cedars Business Services. Cedars Business Services places a hit on the persons credit records and then attempts to collect the bogus debt.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I found six of my citi credit cards were closed without any notification. By the time they closed my account, I still have much reward points in my accounts.
Product: Credit card or prepaid card

I made a payment from Chase mobile app to my Chase XXXX credit card via the Chase.com app as i do every month. Every other time for years it posted immediately so I didn't worry about making the payment on the due date. This particular time, the payment didn't post for 3 days, they not only billed me a late fee but reported me 30 days late to my personal credit bureau. When I called while the payment was processing, a representative advised that they see the error and to call back once the payment is posted so they can fix it in their system and on my credit report. A few days later when I called back, the representative advised me that they don't have to respond to my alleged banking regulation error because they offer multiple ways to pay my bill. I asked them to open a case to research it as the previous representative acknowledged the error but was denied and they said they don't do that. This is a clear disregard for banking regulations and Chase should be fined whatever the maximum fine is as they blatantly disregard the laws and don't even attempt to remediate or research errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my consumer report dated XX/XX/XXXX under consumer ID : XXXX, I notified the company through the Transfer Portal established by the business with confirmation number of XXXX on XX/XX/XXXX. Per the attached documents, are confirmation letters from both XXXX and XXXX XXXX confirming that I am a victim of identity theft. I have disputed the XXXX XXXX account XXXX to be removed as it is the result of identity theft. I have disputed the following inquiries based on identity theft : XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Lastly, I have requested an extended fraud alert for a period of 7 years as I am a victim of fraud/identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

This debt was reported to my credit on XX/XX/24. Ive never received any notification of this debt nor is there any verifiable information listed with this debt on my report.
Product: Money transfer, virtual currency, or money service

I purchased a service from a seller via XXXX. XXXX transferred my money and I received nothing in return. I was scammed for almost {$2000.00} & USAA did absolutely nothing to return my money after being scammed. XXXX also did not assist me and sent a basic copy & paste message just like USAA. Both companies are ultimately responsible for not providing me with my money that I need back. Just to be crystal clear I NEVER received anything for that large sum of money. It seems like they refuse to even check the information & proof I have provided. USAA has also refused to create a new dispute & even completely filed everything incorrectly. The charges were filed for around {$9.00} instead of the XXXX $ needed.
Product: Vehicle loan or lease

I am writing to express my extreme dissatisfaction and lodge a formal complaint regarding the repossession of my vehicle without prior notification and the subsequent closure of my auto loan account by your company, Lithia/Driveway Finance . This action has not only caused significant inconvenience but also appears to be in violation of both Delaware state laws and federal regulations governing repossession procedures and consumer rights.

On [ Date of Repossession ], I discovered that my vehicle had been repossessed without any prior warning or notification from Lithia/Driveway Finance . Despite being a diligent and responsible borrower, I was not provided with any opportunity to rectify any potential issues with my account or explore alternative solutions to prevent repossession, as mandated by Delaware law Delaware

Code Title 6, Chapter 9, 9501 et seq. Furthermore, it has come to my attention that I was not informed of the auction where my vehicle was to be sold, depriving me of the opportunity to reclaim my property as permitted under Delaware law Delaware Code Title 6, Chapter 9, 9531. This lack of transparency and failure to adhere to legal requirements not only violates my ri
ghts as a consumer but also demonstrates a blatant disregard for ethical business practices.

Additionally, I must emphasize that the closure of my auto loan account without providing proper notice or opportunity for resolution is unacceptable. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, creditors are required to provide consumers with written notice before taking adverse actions, such as closing an account, and must furnish accurate information to credit reporting agencies. Failure to comply with these regulations may result in the removal of any adverse credit reporting associated with the account.