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

XX/XX/XXXX Subject : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX XXXX XXXXXXXX Dear CFPB, I am filing this formal complaint against Experian and XXXX for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX XXXXXXXX, account number XXXX. Despite submitting XXXX prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from Experian and XXXX. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on Experian and XXXX : Still inaccurately reported as 30 days late. 
Evidence Supporting the XXXX XXXX reports from all three bureaus ( XXXX, Experian, and XXXX ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired XXXX I formally request the following : XXXX removal of the inaccurate late payment notations from my credit reports with Experian and XXXX. 
Written confirmation of the corrections made. 
XXXX that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I XXXX review to see if this is actually an account that belongs to me.
Product: Debt collection

I received a letter from ERC/Enhanced Rseource Centers ( XXXX XXXX XXXX, XXXX, FL XXXX ) stating that I owe {$160.00} to an account with XXXX. This account was closed in 2006 and was paid in full. I have NEVER received any communication stating otherwise and it has not shown up in my credit report. I contacted the company and they insistent that I pay the amount and offered different payment methods but I adamantly told them that this account was closed 15 years ago and was paid in full and that I didn't intend to be harassed into paying anything I didn't owe and to only be told about it 15 years later. They insisted that I pay the amount and that it hadn't been reported as of yet to the credit agencies. I notified them that I would be contacting the credit agencies and file a formal complaint against them for this miscarriage of debt collection.
Product: Mortgage

Quicken Loans on multiple occasions mislead me about total closing costs. On XX/XX/XXXX i was contacted by a rep insisting my closing costs would be {$2600.00}, but would only send me paperwork listing it at over {$4000.00}. Without any explanation as to where the {$1400.00} disappeared to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have a legitimate complaint against Wells Fargo Dealer Services. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from Wells Fargo Dealer Services was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, Wells Fargo has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. Wells Fargo Dealer Services has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that Wells Fargo Dealer Services is also in violation with their subscriber agreement with XXXX, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with Wells Fargo Dealer Services being the sole responsible party. This matter needs to be addressed and corrected immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was made aware that I was being scammed by an illegitimate hard money lender company. The company requested fees to be paid upfront in exchange for the hard money loan. I filled out signed contracts and an loan application. I contacted Chase Bank on XX/XX/2022 to request to recall all wires sent to the various bank accounts because I was in fact being scammed. Chase initiated a wire recall for all wires on XXXX XXXX. The first wire was taken place on XX/XX/2022 in the amount of {$2500.00}. The second took place on XX/XX/2022 in the amount of {$5000.00}. The third on XX/XX/2022 in the amount of {$6000.00}. The fourth on XX/XX/2022 in the amount of {$3500.00}. The final transaction on XX/XX/2022 in the amount of {$2400.00}. Once the Chase received instructions from the receiving banks to provide them with a letter of indemnity or a hold harmless letter they have been giving me the runaround since then. All receiving banks requested the letter on XX/XX/2022. Chase wire investigation team told me to contact the fraud department to request a letter. On XX/XX/2022 I filed a claim for all wire transfers and was promised the customer claims department would contact me back and sorry for the constant transferral. No one contacted me. On XX/XX/2022 I was advised the fraud department would be taking control in recovering my funds. When I spoke with the fraud department the representative informed me my case wasnt fraud it was indeed scam and I paid money and didnt get what I expected and that was really on me. Fraud cant help me and I wont be receiving my money back. I was scammed and its nothing Chase can do about the situation. I then went inside of Chase bank branch and spoke with a banker there on XX/XX/2022. The banker then seen the distress I was under in trying to retrieve my funds and finally provided me with a letter although the reason none of the other departments could help with a letter of indemnity because Chase didnt have a template for one. I spoke with numerous representatives from fraud customer claims and inside the branch no one knew what a letter of indemnity was. Now Ive filled the letter out and constantly requested the letter be sent to the receiving banks for retrieval of the wires and nothing has been done. On XX/XX/2022 I was told to contact customer claims for an update on the hold harmless letter. But when I contact customer claims they have no idea what Im referring to and advise me to contact the wire investigation team. No progress has been made in the case of retrieving my wire transfers.
Product: Mortgage

We got in to a predatory lending .We got the home in XXXX for XXXX paying XXXX XXXX XXXX XXXX a month we been ask for a mod but in XXXX the rear was XXXX the home they started to foreclosure on it I filed a bankruptcy to stop and keep ask for a mod they told me to pay XXXX I pay it for 3 months then the cont. to persuade the foreclosure and refuse take the next month in XXXX they file again I filed a bankruptcy again the start cont to file and then in XXXX while Im still ask for the mod we keep filling bankruptcy and keep asking for the mod summit document after documents no answer we never had a day in court because we in bankruptcy the bankruptcy was discharged in XX/XX/XXXX and the court give them a sale date for XX/XX/XXXX now the home is to be for sale on that date the home has change lender able loan serving, littion loan services,  ocwen loan serving now PHH loan servicing and they just send me help paperwork out XX/XX/XXXX and I just get home for the hospital try contact the wit HUD counselor On today and they refuse to help the still say we own XXXX in rears and we never pay or their no loan of a payment of XXXX it was XXXX and the give us a loan mod for XXXX at 2 percent and they send out a letter tell us we at the lost amount we never received anything form the but foreclosure paperwork and we was not in predatory lending
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

i am requesting that transunion, XXXX, and XXXX delete the unauthorized inquries and the non-mailable addresses, and inaccurate personal information reporting on my consumer file that is reporting because it is damaging my score and keeping me from getting approve for a home. the following information is against the privacy act of 1974, 15 usc 6802 because i never gave consent for the information to be reported and 15 usc 1681b. 

see attachments
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a letter was sent to credit reporting agency disputing accounts on my credit report. I demanded to see verifiable proof that these account belong to me. It has been well over 30 days and have not received a response or conclusion of the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to maintain this inaccurate invalid information on my credit report. [ Dispute report # : XXXX ] while violating regulations the FTC set forth. I have informed them several times in writing as well as electronically and asked that this damaging false information needed to be completely removed/deleted from the report. 
The Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in 1970. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information FCRA, 15 U.S.C. 1681 ( b ) ; Safeco Ins. Co. of Am. v. Burr ( 2007 ) 551 U.S. 47, 127 S.Ct. 2201, 2205. The Congressional findings noted that [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumers right to privacy. FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). 
First, the FCRA at subsection 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information about consumers. As such, it placed an affirmative duty on furnishers to correct and update information which they know, or reasonably should know, is inaccurate. 

I ask that all the accounts contained in Experian 's above mentioned dispute report, all be deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.
Product: Credit reporting or other personal consumer reports

Experian closed 5 complaints while working on 5 other complaints only problem is there completely alike which Experian refuses to fix
Product: Credit card or prepaid card

The date of the transaction is : XX/XX/2019 The amount is {$200.00} The card number ends in XXXX The Complaint is against Citi Bank The Rental Car Company that declined the transaction is XXXX in the XXXX Purchase through XXXX  XXXX The Complaint : I was issued a credit card by Citibank/XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX advertised as part of the card benefits. In XX/XX/2019, I rented a car in the XXXX and informed the Car Rental Company that I had a car rental insurance coverage on the Citi Credit Card which I used for the payment, hence declining the car rental company insurance. The car rental company told me that the worldwide car rental insurance that Citi Bank sold to me was deceitful and not acceptable. They requested me to pay for their own insurance which was very exorbitant. I refused to pay and they refused to rent the car to me and told me I would forfeit my payment. I forfeited the money based on the fact that Citi Bank deceived me into obtaining its credit card which could not deliver the benefits they promised. 

I therefore consider this as a gross violation of UDAAP and therefore request that Citi Bank reimburse me with money I lost due to their unfair and deceptive practice by selling a product that does not deliver on the advertised benefits. Citi Bank should contact XXXX at the XXXX XXXX location to confirm why they declined their insurance coverage despite providing evidence that it existed.
Product: Payday loan, title loan, or personal loan

Companies charge the entire APR up front as amount borrowed even if paid off sooner.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and other documents so I may review to see if this is actually an account that belongs to me and to cease and desist per 15USC1692c ( c )
Product: Credit reporting

I have never had XXXX. Not sure why this is on my credit report or where it came from.