23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying off the balance owed on an account, the company " West Creek Financial '' reported that the account was paid in full and closed the account with full knowledge that closing an account negatively impacts a person 's score. I have spoke with this company several times to request that they could simply report that the account is paid in full. I also informed this company that they target low income communities and minorities to offer their services to then turn around and destroy their credit. People in low income communities are already struggling, and at no time did the store I purchased the items from nor was I made aware on my receipt that once the account is paid in full the account would be reported as closed. It is very mis-leading and this company has numerous complaints on file with the XXXX  and they should not be allowed to offer services under false leads. I would like this company to remove that the account is closed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Checking or savings account

On Wednesday XX/XX/XXXX I deposited a {$26000.00} check and was given a deposit slip with a hold explanation which stated that {$5300.00} would be avilable on the XXXX of XXXX and the remainder would be available on the XXXX of XXXX. The next day my account stated that the entire check was being put on hold. The follow Tuesday I went to Bank of American the local branch and asked about the hold and was told they could get a reson why but it would be off hold status on the XXXX of XXXX. Friday the XXXX came and still the money was not available. I call Bank of America and they said " Oh it will be available tomorrow at XXXX. Well that's not the XXXX it the XXXX and I'm not even sure it will be available tomorrow morning! My nieces received basically the same check ( it's from life insurance ) and when they deposited it their bank account at XXXX XXXX  it was available 2 days later! Why? Why did the Government bail this piece of XXXX bank out in XXXX? With Taxpayer money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in a letter to Experian with my state Id bank statement, and proof of address to update my personal information and Experian refused to remove address Ive never lived, or update my personal information
Product: Checking or savings account

Two money cards were purchased at XXXX and a person ( s ) created a pin and used the cards.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account XXXX, please investigate and provide proof with statements showings that payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Vehicle loan or lease

The people in charge of my loan ( J.D. Byrider/CNAC ) isn't honoring the warranty in the contract I signed with them, and I want to get out of the loan. My Vehicle 's been in service ever since XX/XX/2019, and it's XX/XX/XXXX. I'd also like this month 's payment back as I haven't had access to my vehicle with them since the XXXX.
Product: Debt collection

As of XX/XX/XXXX I received a certified copy from XXXX XXXX  on XX/XX/XXXX about a balance that certified that I didnt not owe a dollar balance this letter is dated for XX/XX/XXXX. 
I have documentation from the XXXX XXXX XXXX XXXX and as of And Today XX/XX/XXXX I received a letter from ; CBM SERVICES, INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX www.cbmservices.com Reference # XXXX States as of XX/XX/XXXX A debt is owed amount {$8200.00} Which is false due to the the certified amount stated on the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. Refer to letter attached.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle and their handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle countless times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is very unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Vehicle loan or lease

1.I have never had an account with this company XXXX Now XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Car Now Acceptance Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

I booked prepaid accommodation in XXXX, XXXX, with a one-night penalty for cancelation. I requested XXXX for cancelation as I got a better deal at the same hotel for the same duration ; the customer service rep stated that the hotel is not agreeing to waive off XXXX night 's charge even if I was going to stay there for the same duration. On this, she went ahead and canceled this reservation. 
I was well aware of the fact that I'll be charged for XXXX night, but to my surprise, the hotel charged me for the whole stay of 10 days ( over {$5000.00} ). When I disputed this with Chase, the hotel stated that it was a prepaid reservation and I was a no show, which in fact wasn't right. XXXX 's own customer rep canceled my reservation. 
Without contacting me or asking for my side of the story, Chase simply closed my case and charged me back for the whole amount. How is this fair and justified in any first world country? The only option for a consumer like me is to take both Chase, and XXXX to small claims court for the money and stress. I know, I am in the right here as my cancelation recordings must be with XXXX and it was Chase dispute team 's to investigate the matter. 
I tried contacting Chase again, and the gentleman stated there's nothing you can do as we have closed this case. Again, I feel like a victim in front a multi-billion dollar bank colluding with XXXX. All I request is to re-investigate this dispute and listen to my side of the story as well.
Product: Credit reporting or other personal consumer reports

I have a account with XXXX XXXX XXXX XXXX  and I have paid the balance in full and its showing on my credit report that account is open and balance is owed I will like this account to be updated correctly or deleted from my credit report I will be submitting documentation.
Product: Student loan

I am a co-signer for my son 's student loan account with Navient, aka XXXX. Navient incorrectly reported to the credit bureau that " my account '' was 60 days past due, with a reckless lack of communication to me that the account I co-signed for was even late. I dispute that Navient had any lawful right to ruin my good credit by reporting to the credit bureau that I was 60 days past due, in regards to my son 's student loan account. Navient should have some legal duty to actually contact me before they take such extreme action as ruining my credit. Navient negligently failed to make any reasonable effort to contact me to alert me to any late payments on this account! I only received XXXX vague email, just just six days before they reported " my account '' as 60 days late and it had no mention of a late pmt in the email. Navient claimed they " generated '' a notice but they did not. Navient said they fulfilled their duty to notify me by sending " automatic '' phone calls to a land line with no answering machine or phone, and they acknowledged that none of the phone calls were answered. ( Navient had all of my contact info in a separate parent plus account ) Naviant destroyed my good credit, as my score dropped from XXXX to XXXX the day they reported " my account '' as 60 days past due. I explained this to Navient but they have done nothing to satisfactorily explain why they relied on the inaccurate incomplete, unverifiable and non-existent notification to me, that the account I co-signed for was late -- prior to ruining my credit in reporting this account 60 days late without sufficiently communicating with me that it was late first.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account listed below 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Vehicle loan or lease

XXXX. Ex husband in XXXX or XXXX got car loan. I was to be co signer not co borrower. Vehicle had issues from minute one. Lendmark financial held the loan.

2. Ex and I went to magistrate because bank sued. I wanted them to take vehicle because of issues and they wouldn't. Magistrate didn't even care. Slapped the XXXX onto the slate. Lendmark wasn't even there. No one represented the company. Illegal action one. 
XXXX. I left ex in XX/XX/XXXX. He took that car and my car and left with a friend one day. I never saw cars. 
XXXX. In XXXX we were finally divorced. He never showed for divorce hearings or anything. 
XXXX. I get this on my credit report. I call. They demand payment. Lendmark won't send bills or tell me amount. They won't give me receipts. They won't intentionally stop calling me XXXX XXXX as my last name because I demand it. It is no longer my name. I asked why they didn't go after ex XXXX XXXX and they said he called XXXX and said divorce Judge I was responsible. He never even came to a hearing or responded. There is no legal action but they took him at his word. Told me if I Have issue with it that it is civil. I gave them his address and contact info. Lendmark said nothing they can do with him. 
6. I disputed this on all 3 credit bureaus. Lendmark has it as an open auto loan that has been charged off with way more than what was left on loan. They don't know who I am to pay. They keep saying legal department will tell me at Lendmark. They won't even send me a bill. They said they don't know if I pay judge or them. They want their money. They won't contact ex. They won't change the status to closed on credit report and it just updated XXXX to say that is a new auto loan. They also told me that I have to call different numbers always. I call one and pay then they say here call this one. When I did pay XXXX the XXXX and XXXX the XXXX they said that they weren't sure but they may have to refund it.

6. Banker today laughed when I said I work for the government and need this cleared up. He said I was nothing. I swear the insults are bad as their illegal banking.

7. Proof of payment that they claim they may have to refund because it is charged off and they are taking it illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised by the recent Equifax hack. 
The following Equifax site confirmed my personal details were part of the hack, based on my Last name and last 6 digits of SSN : https : //www.equifaxsecurity2017.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE IS VERY LOW, DESPITE THE NUMBER OF ACCOUNTS I PAY ON EVERY MONTH. THESE ACCOUNTS ARE THE EQUIVALENT TO IN-HOUSE CREDIT. IN THE LAST YEAR, I HAVE PAID SIGNIFICANT AMOUNTS TOWARDS MEDICAL BILLS, I PAY RENT EVERY MONTH JUST LIKE PEOPLE WHO HAVE A MORTGAGE. AND IT'S NOT POSITIVELY AFFECTING MY ABILITY TO GET LOANS OR INCREASING MY SCORE.

TO EXPLAIN FURTHER, I USUALLY ONLY REQUEST MY EXPERIAN CREDIT REPORT, BECAUSE I CAN GET ACCESS TO THAT ONE FAIRLY EASILY. THE ISSUE IS THAT EXPERIAN AND XXXX ARE USING AN OLD MODEL ( FICO ) AND NOT NEWER SCORING MODEL. ONE I HAVE READ ABOUT IS XXXX SCORE. WITH THEM USING THAT SCORING SYSTEM AND ME  NOT HAVING ACTUAL " CREDIT CARDS '' I WILL NEVER BE ABLE TO GET ANY TYPE OF CREDIT ACCOUNT THAT WOULD BE CONSIDERED TRADITIONAL. I GOT MORE CREDIT CARDS WHEN I WAS IN COLLEGE AND I'M SURE MY CREDIT SCORE WAS IN THE 400-500 RANGE! MUCH LOWER THAN IT IS NOW. I HAVE APPLIED FOR SOME CREDIT CARDS THAT ARE RECOMMENDED FOR PEOPLE IN A CERTAIN SCORE RANGE, BUT THEY ALWAYS GET DENIED. I DON'T THINK MY CREDIT SCORE IS NOT BEING EVALUATED OR MEASURED THOROUGHLY.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information or unverifiable accounts unresolved. The 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 Experian 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, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Equifax Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Rating : Closed Account Description : Individual, Closed or paid account/zero balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( XXXX ), Auto Financing ( XXXX and Equifax ) Account Status : Closed Payment Status : Current Creditor Remarks : Closed ( XXXX and XXXX ), Closed or paid account/zero balance ( Equifax ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies XXXX : Reports 30-day late payment for XX/XX/XXXX, which is inaccurate. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, conflicting with other bureaus. 
Equifax : Reports 30-day late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I sent American Express a 609 debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, XXXX/TransUnion/XXXX XXXX Account Number : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.