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

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Original creditor XXXX  Balance {$590.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX  Balance {$1400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$430.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Balance {$840.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1300.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request your kind assistance with an important matter concerning my credit report. Due to the unprecedented circumstances of the COVID-19 pandemic, I experienced significant personal and financial hardship, which has inadvertently affected my credit history. During the peak of the pandemic, I XXXX  XXXX and faced a life-threatening situation that left me incapacitated for an extended period. As a result, I was unable to manage my financial obligations effectively. It is my understanding, During the pandemic, the CARES Act amended the Fair Credit Reporting Act ( FCRA ) to address accommodations for consumers impacted by COVID-19. An accommodation includes relief granted to those affected by the pandemic between XX/XX/year>, and 120 days after the termination of the COVID-19 national emergency. 

During this time, my vehicle was totaled, and the responsibility for the associated loan was transferred to my ex-partner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the totaled vehicle, and the loan servicer did not communicate this situation to the credit bureaus. I have been informed that the loan was eventually settled in full by the insurance company. However, the lack of communication from the loan servicer during the insurance claim process has resulted in late payment entries on my credit report. 

In light of these extraordinary circumstances, I respectfully request that Equifax invoke the protections afforded by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. The CARES Act includes provisions for consumers who have been impacted by the COVID-19 pandemic, allowing for accommodations to be made regarding the reporting of certain credit information. 

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

Delete all hard inquiries : How you delete everything on your credit report statement : ( collections ) They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer. The credit Bureaus never did a preparer investigation according to the FCRA. 
The term investigate 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 interview with neighbor 's friends, or associates of the consumer reported on or whom he is acquainted or who he may have knowledge concerning such items of information. 
They did not do this. 

XXXX XXXX  Balance updated {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Delete ALL
Product: Bank account or service

I had my Bank of America checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name and gender and my credit has been tanking ever since and I can not get any loans or creidt. Background checks, credit checks, credit scores, etc all show under my old legal name and gender and despite contacting them for over a year now, nothing has been updated and my credit is still 100-200 points lower than it was with a name that is not updated. I do not know what else to do! Please assist.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Letter Fraudulent Account Removal Due to Identity Theft To Whom It May Concern, I am writing to file a formal complaint against credit bureaus for their failure to remove a fraudulent account from my credit report despite my identity theft claim. 

I discovered an unauthorized account listed on my credit report : Creditor : XXXX  XXXX Account Number : XXXX Balance : {$4300.00} I did not open this account nor did I authorize any transactions related to it. It is evident that my personal information has been used without my consent, leading to a clear case of identity theft. 

Upon identifying this issue, I immediately reported the fraudulent account to authorties and the credit bureaus and provided all necessary documentation to validate my claim, including : A identity theft report from FTC A valid police report detailing the identity theft Copies of my identification ( drivers license, social security card ) However, credit bureaus have not taken the appropriate steps to investigate my claim and remove the fraudulent account. The continued listing of this unauthorized account has caused significant harm to my credit score and has placed undue stress and financial burden on me. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and for fraudulent accounts to be removed in a timely manner. 

Therefore, I am seeking the CFPBs assistance to ensure that credit bureaues adhere to the FCRA and promptly remove the fraudulent account from my credit report. I am requesting a correction of my credit records and an updated copy of my credit report upon resolution. 

I am willing to provide any further information or documentation as needed. Thank you for your immediate attention to this matter. 

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

I have submitted multiple disputes to TransUnion over the past three months. Each time, I receive a response stating that the disputes are coming from a third party rather than from me. I have personally called and informed several agents that I am the one initiating these disputes and have requested that they be processed accordingly. I have invested significant time, effort, and money into drafting, mailing, and managing these disputes. The ongoing issue is not only affecting my credit but also causing me mental distress.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. At the beginning of the loan, my family ran into a vet emergency. I expressed a personal emergency stating that the payment would be late, but to set up a payment of {$1000.00} before the next due date for payment. When I paid the XXXX dollars my balance did not decrease by {$1000.00}. 

XXXX. A month or two later, my wife had an emergency XXXX. I messaged the company Credit9, who, then proceeded to tell me that I couldnt do what I just explained in number one. 

XXXX. After letting number two go by for sometime, I reached back out to make a payment on the account. This is when I was told direct deposit had to be turned on to make a payment yet its my right as a consumer to not turn on direct withdrawals from my accounts. The company wouldnt let me make payments without turning this on. I never gave them permission to turn it on. 

XXXX. Month passed by as I tried to get other financials under control in addition to the bills from those emergencies. I continue to monitor the account but wasnt able to make payments. Their app is telling me the loan is completed after a payment of over {$10000.00}. I asked for financial statements, showing me where this money came from. The company has yet to respond. 

XXXX. I have screenshots of these Deceptive practices, and they still continue to this day.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leavi
ng my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The inquiries in question are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

Under 15 U.S. Code 1681i, Paragraph ( 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 Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

As an authorized agent for XXXX XXXX XXXX XXXX, I am concerned about the negative accounts showing on my business credit profile through your company with EIN number XXXX. After thorough review, it has come to my attention that these accounts are not being accurately reported. I am requesting to dispute these accounts and have them removed from my profile. They have already been removed from XXXX 's and Experian business credit, and I kindly ask for your cooperation in updating your records to reflect my business credit report as paid and up to date. I urge you to remove all delinquent or collection accounts from my profile and I thank you for your prompt attention to this matter. 
remove XXXX remove XXXX remove XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keep putting inaccurate employment information on my credit report. XXXX XXXX XXXX as employer incorrect. I want it removed
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/2020. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with XXXX and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, XXXX has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found. 

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like XXXX, XXXX provide accurate information to the credit bureaus and to correct any inaccuracies once identified. 

Given the clear discrepancies between XXXX reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for XXXX to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

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

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

when i found out i was a victim of identity theft, i contaced the bureaus. I did exactly what they instructed me to do. However the fraudulent accounts have not came off
Product: Student loan

I have disputed late payments multiple times with Nelnet as well as credit bureaus to no avail. I attended University XXXX XXXX and obtained loans through Nelnet. I have never been late with any of my payments. In fact, my payments have always been deferred or I 've paid based on my income. A few years ago my loans were transferred to another company and during this time is when I 'm told I defaulted on my loans. I was never aware that my loans had even transferred or I had late payments until last year when I requested my credit reports. I immediately contacted Nelnet and made them aware of this issue. Nothing changed and I still have 16 late payments on my credit report that are preventing me from obtaining housing for my autistic son and myself. It is very difficult living with family members and having a special needs child. I have NEVER been late on my loans.
Product: Debt collection

Hello, sorry for the late email, my schedule is hectic so I apologize in advance, my name is XXXX. I just received a letter from a debt collector called Hoosier Account Service, and I decided to visit the cfbp.gov debt collector website it listed, while going over the public information I realized that you mention several times that debt collectors must allot you 30 days to dispute the debt. I received several letters regarding different debts from these same collection agency and on all of them they give me less than 30 to respond to their dispute. Can I use this to get these disputes dismissed? Because they didn't follow this new law and give me the 30 days to respond? I can send a picture if its a necessity to fight them. Also is there a time period that they can not keep trying to collect after a certain period of time has passed? Thank you for your time and patience with me. Please respond asap I will need to respond in writing in the next few days. God bless!
Product: Debt collection

On XX/XX/XXXX, my mother sent me a photo of a letter mailed to my old residence from Westlake Portfolio Management. After reading the letter, which I've provided as evidence, I contacted the phone number listed to ask for verification of the debt and to dispute it as I signed a Release of Settlement in XXXX of XXXX, and had the car returned in XX/XX/XXXX back to American Car Center, whom filed bankruptcy on XX/XX/XXXX. I was released from my agreement after I had to file a complaint with the Tennessee General Attorney for failure to provide a written contract from American Car Center after several attempts. Due to not having a copy of my contract upon exiting the dealer, and having to move for my husband 's work, I was unable to provide proper communication for the car to be returned to TN, and due to the fact that MA does not allow American Car Center to license any leased cars in that state, I returned the car, signed the release of settlement and never heard from the car center again, until XX/XX/XXXX when they sent my account to Westlake Financial. I've called several times, left several voicemails and sent XXXX emails with proof of my dispute of the debt, with no status update or resolution. I've had aggressively defensive reps question whether I'm legally allowed to ask for the original creditor to verify the debt, to some helpful reps who've provided emails and contact info, but as of XX/XX/XXXX I have neither received an answer, update or resolution. I also had a rep falsely list my account as cease and desist on XX/XX/XXXX, when I asked for not such action, and as a result the Westlake claims they can not provide written proof/documentation to me from the original creditor. Considering I had difficulties in receiving my contract from American Car Center, and the resistance from Westlake Financial Services Portfolio management, I felt I needed to submit a complaint for resolution.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act Kikoff Lending LLC Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 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.