23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received a red light camera ticket on XX/XX/2016 and the ticket was sent to US Bank leasing company -- it was stamped by their tax servicing department on XX/XX/2016. At that time, I was unaware the ticket was ever issued. US Bank sat on that ticket until they received a 'Second Notice ' ticket and was stamped by their tax servicing department on XX/XX/2016. Still unaware that I ever received a ticket, I received both the 1st and 2nd notice, along with a letter from US Bank on XX/XX/2016. The payment was due on XX/XX/2016 - Thus a late fee of {$20.00} was already charged. I disputed the late payment with the City and advised US Bank NOT to pay the ticket. They told me they would n't. Well, turns out they paid the ticket, including the late fee. They then charged me the ticket amount, plus the late fee, plus a {$25.00} fee for processing. I told them that it was unfair that I should n't be responsible for anything but the ticket amount and they refuse to work with me. Bottom line is US Bank neglected to alert me of the receipt of the ticket until it was already too late to pay without incurring a late fee. When instructed not to pay it ( while i disputed the late fee ) - they paid it anyway, and then relished in the opportunity to charge me an additional {$45.00}. Please rectify. Thank You!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. 8:25-cv-24 ). 

Specifically : 1. Failure to XXXX Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

2. Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 

3. Immediate removal of any inaccurate, incomplete, or unverifiable information from my credit report. 

The items in question are : XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  ( XX/XX/XXXX ) These discrepancies are causing undue harm to my creditworthiness, and I am entitled to a fair and accurate credit report. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the accuracy of the information, provide me with the results of the investigation, and correct or remove any inaccurate or unverifiable data. 
Please also provide me with documentation or evidence that supports the information currently listed on my credit report. If you fail to resolve this matter within 30 days, I will consider pursuing further legal action, including filing a formal complaint with the CFPB, as well as consulting with legal counsel for additional remedies. 
I expect a prompt and thorough resolution to this matter and look forward to your reply. 

Sincerely, XXXX XXXX
Product: Consumer Loan

Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... 

I call that stealing.
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Prepaid card

I have submitted two settlement claim through claim form online and by mail. Rush cards is not letting me know the status of it.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I noticed that som information passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove the remaining fraudulent information from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX Also, if you claim that the disputed items belong under my name, please send me copies of proof of verification or proof of ownership as a supporting document. In the absence of such documents, immediate removal of the disputed items will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I paid for a cashier 's check from Wells Fargo in order to pay for my XX/XX/XXXX rent. A week after I mailed it off, my landlord contacted me and informed me that he had not received it. Thinking that it had simply been lost in the mail, I visited several Wells Fargo locations to stop the payment and reprint the cashier 's check. After these several attempts failed due to Wells Fargo refusal to stop payment and reprint the check without notarization, the last Wells Fargo bank I visited informed me that the check had already been cashed. Upon further investigation, the representative gave me a printed copy of the cashier check when it was processed, and the check was clearly tampered with. Someone else 's name was scribbled over my landlord 's, but the Wells Fargo location cleared it anyway despite the obvious evidence to it being tampered. Upon complaining, they refused to help : claiming that there was nothing they could do to even consider reimbursement for an indefinite amount of time and shallowly offered me a " loan '' to pay my rent. Now I still have this month 's rent to pay, my landlord is compounding late fees every day he does n't have it, and my children are going to find themselves without XXXX this year unless this thing is settled and Wells Fargo is held accountable for their mistake.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and submitted a disputed letter XX/XX/XXXX. Unfortunately, the actions taken thus far have not yielded the results mandated by federal law, specifically the Fair Credit Reporting Act ( FCRA ). 
As per my previous communication, I am a victim of identity theft, and there are several accounts listed on my credit report that I did not authorize or open. These fraudulent entries are significantly affecting my credit score and my ability to obtain credit. 
I have attached a copy of the police report as further evidence of the crime committed against me. Additionally, I have included a detailed list of the fraudulent accounts for your review and action. 
I am requesting the immediate removal of these unauthorized accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX XXXXXX/XX/ATL( Original XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XX/XX/ATL( Original Creditor : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U XXXX DEPT OF XXXX  ( Original Creditor : XXXX XXXX ) ( EQ ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX U XXXX DXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) ( XXXX ) XXXX XX/XX/XXXX XXXX U XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX /XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX FCRA, I am entitled XXXX have these inaccuracies corrected promptly. The continued presence of these fraudulent accounts is a direct violation of my consumer rights. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX This item XXXXXXXX XXXX XXXX XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, Room XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my Transunion report as being filed on XX/XX/2017, on my XXXX  report as being filed on XX/XX/2017, and on my XXXX report as being filed on XX/XX/2017. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts, these fraudulent accounts remain on my credit report, and my disputes have been ignored or inadequately addressed. The persistence of these inaccurate accounts is causing significant harm to my financial standing and overall well-being. Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted this report to the relevant credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I recently won a $ XXXX {$9.00} XXXX default judgment against the XXXX  XXXX XXXX XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX. 

I sent AmEx the Default Judgement award at the XXXX email. 

I am a Platinum Card holder at XXXX, and I have to financial hardship primarily because of my environment and future career prospects. 

I am hoping because of my Platinum status that AmEx advertises and contracts for is like no other and a card that I can never loose, like all similarly situated customers, that my Platinum card membership would remain active, even I can not have new charges on it. Although, I think the Platinum card allow up to $ XXXX in charges before being frozen or sent to collection. 



XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo recently shut down my credit card without explanation. I contact them and they said there would be a letter in the mail explaining why it was shut down. The letter came and there was no explanation as to why they would close my account. Then on the XXXX, I received a letter that they were shutting down all my checking accounts and my savings accounts. And once again there was no reason shared for shutting down my account. Both times it says that that information is proprietary. My credit score and payment history our excellent, there is no fraud on my accounts, and I've no derogatory marks on my credit. Not providing any explanation as to why my accounts have been closed in not only unacceptable, but has seriously financial impacts. I had to scramble to change all automatic charges to both the card and bank account. By the time I received the letter I had less than a day to open a new checking account at a different bank to ensure I received my direct deposit. Additionally, the closure of all of these accounts hurts my credit and standing at other banks, yet I have done nothing wrong. Wells Fargo should be required by law to tell you why there are surreptitiously closing any account. On top of that, they should be held responsible for the damage they have caused to my credit and my life.
Product: Mortgage

My mortgage servicer is XXXX XXXX. The previous servicer was Mr. Cooper, which is still the point of contact for the servicing of my mortgage. I set up auto-pay with XXXX XXXX to send my mortgage payments to XXXX. The payment due on XX/XX/year>2024 went through but the payment due on XX/XX/year>2024 didn't. Mr. Cooper claimed in XX/XX/year> that it did receive my mortgage payment that should have been delivered by XX/XX/year>2024. To avoid late payment, on XX/XX/year>2024, I authorized a mortgage payment on Mr. Cooper 's website, requesting XXXX XXXX  to pay the mortgage amount and placed a Stop Order on the mortgage payment that was supposed to be delivered by XXXX2024. I also cancelled the monthly auto-pay to Mr Cooper on XXXX XXXX XXXX website. However, the monthly auto-pay I cancelled on XXXX XXXX XXXX website shows a payment activity but the payment was cancelled at the same time on XX/XX/year>2024. On XXXX XXXX XXXX record, it indicates there was a mortgage payment, a reversal payment of that amount and an Insufficient Funds fee for {$15.00} on XXXX/XXXX/XXXX. There should not be a charge of {$15.00} for Insufficient fund because 1 ) i cancelled such auto payment to begin with and 2 ) I actually had sufficient funds in the account as I left enough money purposefully in the account for the next mortgage payment. XXXX XXXX  erroneously charged me a fee of {$15.00} for Insufficient fund, which was not justified. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian breached my account and now my SSN is on the dark web. They are suppose to provide FREE monitoring of my credit accounts due to their fault of breaching my private information. I am a XXXX and don't have time to follow up on incompetent reporting-that should be your job. They decided to charge me for a membership and refuse to remove it or reimburse me. I called them XX/XX/2022 and notified them of this. They just hung up. Tired of their manipulation. Can you not take action to protect the citizens of their flagrant actions. I don't have time to babysit and enforce the perform their jobs. Again that is your job. They need to be fined for incidences like this. Please take care of this. Also XXXX continues to report decreases in my credit usage due to daily use of my credit cards but fails to report when my credit card usage increases, when the credit cards are paid off. For instance they say they update daily, which is false, because Experian reports the decreases a week prior. The CFPB needs to step up and take action to protect the citizens and start fining and penalizing these incorrect actions. These inaccurate reports affect my business. Do something rather than just send letters and cater to their incorrect reporting and misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX