23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

experian and XXXX XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
Product: Credit reporting or other personal consumer reports

am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. 
If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 
While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Account : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report. My dispute letters have been created using accessible software available to everyone. Refusing to process or address my letters violates 15 U.S. Code 1681i. It is unlawful to delay processing consumer letters based on an assumption of third-party assistance, as this does not qualify as a legal exception. 

I am the sole author of my letters, or they have been written with my full knowledge and consent by my advisors. There is no requirement for a XXXXXXXX XXXX XXXX to process consumer letters. Any failure to process my letters promptly will be seen as a deliberate disregard for my consumer rights, and I will pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being used by creditors. The allegations of delinquency and derogatory information against me are false, and I will not tolerate misinformation affecting my financial history. These allegations do not meet federal or state reporting requirements and can not be substantiated.

The Equifax data breach has led to fraudulent items appearing on my credit report, which I do not recognize. I did not authorize the sharing of my non-public information. Reporting this information is neither fair nor equitable as per 15 USC 1681 602 ( a ), which guarantees my right to privacy. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Per 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years, except for criminal convictions. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing information known to be inaccurate.

I request documented validation of the authenticity and lawful use of the information on my credit report. As per the Fair Credit Reporting Act and 15 USC 1681 604, all users must have a legitimate purpose for accessing consumer reports. My report contains inaccurate personal information, late remarks, and unauthorized inquiries.

This notice serves to inform you that any delay in processing my letters will be viewed as a violation of 15 U.S. Code 1681i, and I will seek legal recourse. The accuracy and compliance of your data are your responsibility. Please ensure that all claims are accurate and reported in the appropriate format as mandated by the FCRA and Metro 2 standards.

I expect this matter to be handled with the utmost care and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe health, economic and emotional problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of XXXX  and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with Experian, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Product: Debt collection

First I felt I was getting no cooperation from the XXXX the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call XXXX finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to XXXX on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XX/XX/XXXX - XX/XX/XXXX submitted, reporting a first deliquency in XX/XX/XXXX ( and then closing the account XX/XX/XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit XX/XX/XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to CBV Collection Service XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XX/XX/XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with CBV Collection Service then fraud in re-aging the account. I found a CBV Collection Service online with a different toll free number based out of XXXX with complaints and actions against it but not one answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than XXXX business days, in accordance with FCRA 605B ( 15 U.S.C. 1681cXXXX ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA section 605b : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$15000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} RECEIVABLES XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX  XXXX XXXX XXXX Balance XXXX XXXX {$350.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite intially available funds. I believe these practices are unfair and requeat an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that is not mine. I have contacted the companies, XXXX, and XXXX to try and have it corrected but no action as of yet. I could really use your help to correct these fraudulent inquiries. 

XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX XXXX = XX/XX/XXXX XXXX XXXX XXXX =XXXX. XXXX XXXX XXXX = XXXX. XXXX XXXX XXXX = XXXX XXXX = XXXX. XXXX XXXX Synchrony Financial = XXXX. XXXX XXXX
Product: Checking or savings account

I want a third party to have access to my pnc checking account for the purpose of saving extra money. PNC has blocked access even when I enter my username and password.
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$9700.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've challenged and disputed this numerous times with no progress - so I 've pretty much exhausted my efforts at this point. This is regarding my Private Loan with Navient, account numbers as followed : XXXX ... XXXX ... XXXX ... XXXX ... <P/>The following account numbers are reflecting/reporting inaccurately and contain erroneous late payments on my credit report and are detrimentally hurting me financially as I am not able to purchase a home for my family. I 've sent numerous letters to Navient with no response. <P/>The late payments dated : XX/XX/XXXX ' - 60 days late XX/XX/XXXX ' - 90 days late XX/XX/XXXX ' - 120 days late XX/XX/XXXX ' - 150 days late XX/XX/XXXX ' - 180 days late XX/XX/XXXX ' - 60 days late During the end of XXXX, I lost my job and called Navient and attempted in good faith to delay my obligations while being unemployed - Navent went onto qualifying me for 'forbearance ' and required that I pay {$150.00} 3 times to put my forbearance into action, which I paid. Later this year, upon pulling my credit reports I noticed that the late payments were reported during forbearance and are reflecting erroneously and inaccurately. <P/>I reached out to the bureaus and they came back saying it 's accurate. <P/>Now the problem is that these late payments do not have 30 days late reporting precedent to the 60 day lates, which is completely inaccurate if the case was that I was late and it was reported correctly. This is totally absurd and not correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to investigate and delete a delinquent account that the creditor, XXXX XXXX XXXX, admits is over 7 years old. Last week, I disputed the account with XXXX based on an error with the reported account dates. My last payment was in XX/XX/2016. Account was closed XX/XX/2016. Chargeoff was XX/XX/2016. But my credit reports erroneously give the chargeoff date ( XX/XX/16) as the last payment date. The next week, creditor responded to XXXX where it acknowledged the error with the dates. Creditor then deleted the tradeline from my XXXX credit report. Today, I disputed the same account with Experian where I uploaded PDF files of the XXXX records which prove the creditor admitted the last payment occurred 7 years ago. But, Experian closed the dispute 3 hours later on the same day with no investigation. I called Experian and the representative was no help. He said Experian based its decision on a prior review of the account before the XXXX dispute. I advised the representative this violates the Fair Credit Reporting Act because they have the XXXX records which prove this tradeline should be deleted as too old but Experian refuses to perform a reasonable, adequate and good faith investigation.
Product: Vehicle loan or lease

I had a Car Loan with XXXX XXXX XXXX with a rate of 3.49 % Then I got an advertising letter from " XXXX  by Ally '' Company, they are broker company working with several creditors, offering me that I got pre-approval for a % 3.36. 

I got interested in the offer and claimed the new rate. On the Phone, the salesperson was so sure that I got the new rate with lower monthly payments. 

During our conversation, I evidently asked the salesperson that the new rate sounds so low, and asked how can it be. The sales person told me about different institutions having different financial situations and it is possible. I also asked about not to get hard credit check inquiries, and even if it is needed, I asked to have only with one. After clarifying those points, I decided to move forward. 

Hours later I got an SMS message from the company " From XXXX : Congratulations! The financial institution has approved your credit application Call XXXX for next steps '' Then I submitted all of my personal information ( SSN, Adress, ID numbers ..etc ) along with my car details ( Model, VIN..etc ) through their web portal as instructed at an approval email notice. 

Two days later, I got a phone from the salesperson, XXXX by Ally Company, and this time he told me that, Actually that credit has not been approved and there is one approved loan for % 4.50, and asked me if I would be interested in that offer!

I was shocked! 
Tried to understand, why did they first approve me and now try to sell a higher rate, but never get any clear answer to that, and they told me that every approval was actually pre-approval, it was not guaranteed. 

Worse than that, when I checked my Credit report with Credit Bureau, I saw that actually, TWO hard inquiries had been done for two different creditors by this broker npt ONE. 
I did never get an answer for why I got an approval message and had been inquired two hard credit checks.

I think they literally used that lower amount to get me in, run my hard inquire for two creditors, the actual approval was for the XXXX XXXX, and DECEIVED me as I got approval for the lower amount. 

I think this is a bait and switch scam. 

I want a complete settlement for this dispute Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid and closed out. 
Credit bureau still reporting balance and status as deogotory. Credit report contain incorrect active dates and balances and active status. I will attach below proof of I corrected items.! Please let company know to send and upload any information they have that can justify there response
Product: Credit reporting or other personal consumer reports

XXXX account was disputed on XX/XX/XXXX, removed between XX/XX/XXXX and XX/XX/XXXX. Then re-inserted back on credit report afterwards.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CCB/CHLDPLCE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released XXXX XXXX XXXX State lien XXXX XXXX XXXX State lien XXXX XXXX XXXX KY higher XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that were not authorized! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX city of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results. 
More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!