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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies numerous times with Experian and they always come back with verified but there is no way it was verified, they probably just reached out to a secondary credit reporting agency and it showed the same thing or close to what they had on file. 
Just because it matches closely to a secondary reporting agency doesn't mean it is accurate and as proof I supplied them with a credit report with all 3 major credit reporting agencies side by side and highlighted the inaccuracies. 
Dates of last activity, last reporting, date opening, closed date none match on the 3 bureau report.
Product: Vehicle loan or lease

I sold the car leased from XXXX to third party, XXXX on XX/XX/20. XXXX delivered the lease payoff amount of XXXX on XX/XX/20 ( XXXX tracking # XXXX ) at XXXX XXXX XXXX, XXXX. 
c/o Lockbox # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The check was cleared on XX/XX/20. However, my lease account has not been credited and paid off. 

I called Acura Financial services on XX/XX/20 and was told that the payment was applied to the wrong account. It would take 48 hours to resolve it. I called back on XX/XX/20 and found out that it would take four business days to resolve it. As of XX/XX/20, this has not been resolved. It takes a lot of time to get a hold of customer service rep and my payment needs to be backdated to XX/XX/20 and refund my overpayment. I made one payment due on XX/XX/20 to avoid negative credit reporting. Please resolve this issue as soon as possible. My Acura lease billing statement is attached for reference.
Product: Payday loan, title loan, personal loan, or advance loan

HI Someone made a loans in my name from the company ( AFFIRM INC ) XXXX A loan of ( XXXX $ ) on XX/XX/2023 XXXX A loan of ( XXXX $ ) on XX/XX/2023 XXXX A loan of ( XXXX $ ) on XX/XX/2023 I
Product: Checking or savings account

In XXXX I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account for almost {$60.00} I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA will not give me a refund because of Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no phone calls.
Product: Mortgage

I was approved for a loan modification. As with any business offerings I was presented with a contract, and they supposedly explained all details. However one detail was missing, an explanation of corporate fees. According to a letter I received a letter months later, I had accumulated almost {$3000.00} worth of these fees. These fees were not initially mentioned and I was led to believe this process would cost me nothing out of pocket. I was approved for the loan modification and my payment was lowered and I was able to catch up my mortgage. However I ran into some financial trouble where I missed 1 payment. This is when my mortgager made me aware of these fees. It was only after I missed this one payment that my mortgager began demanding payments for these fees. They have threatened to foreclose on my property. I unhappy with these unethical and misleading practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Supplied Experian, and XXXX credit bureaus with the Faxed, PAID IN FULL letter from XXXX XXXX XXXX, I also spoke with reps from XXXX XXXX   many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.
Product: Vehicle loan or lease

Kia finance America account # XXXX opened XX/XX/2021 fraudulent account be removed eight inquiries that was not authorized a fraudulent need to be removed all the fraudulents account that's close fraudulent but still on the account showing clothes but still on the account needs to be removed of the account address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these addresses are fraudulent needs to be removed off my report UPDATED CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANKS
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX XX/XX/XXXX Equifax Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Accounts Under FCRA Violations XXXX XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of multiple accounts on my credit report. I was a victim of the Equifax Data Breach, and my personal information was compromised, leading to fraudulent accounts and reporting errors. 
Furthermore, I have been directly affected by the violations outlined in the recent CFPB lawsuit against Equifax regarding improper dispute handling, reinsertion of deleted information, and failure to ensure accurate reporting and I demand their immediate removal. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a thorough and reasonable investigation of disputed information. 
However, based on the lawsuits findings, it is clear that Equifax has : Failed to properly investigate disputes ( 15 U.S.C. 1681i ( a ) ) Failed to notify consumers of investigation results ( 15 U.S.C.

1681i ( a ) ( 6 ) ) Reinserted previously deleted inaccurate information ( 15 U.S.C.

1681i ( a ) ( 5 ) ( B ) ) Failed to ensure maximum possi
ble accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) I demand that Equifax immediately investigate and remove the following accounts, as they are inaccurate and affected by the lawsuit : Creditor Name/ Account Number/ Balance/ Date Opened 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 XXXXXX/XX/XXXX Equifax , I am a victim of your malpractices-the same unlawful practices that led to your lawsuit. I demand that you remove these accounts immediately and correct my credit report without delay. 

Per FCRA regulations, you are required to complete this investigation within 30 days and provide me with a written response detailing the actions taken. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with a detailed explanation of your findings, including whether any items have been corrected or removed. If any of these accounts are verified, I demand that you provide clear and documented proof of their legitimacy.

Please respond in writing to the address provided above. If Equifax continues to violate FCRA regulations, I reserve the right to seek legal action. 

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

On XX/XX/28 I was denied for my old milestone credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property XXXX said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX XXXX their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to. 

So XXXX XXXX denied me incorrectly. I called to speak to a XXXX to rectify this ( see screenshot of phone call ) and the representative told me there wasnt XXXX available.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The finance charge is suppose to inclose insurance, Capital One Auto Finance made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Capital One Auto Finance did not disclose to me my right to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experion are refusing to remove false information from the credit score factor, EXPERION has been changing the false factors from one thing to another 11 times throughout XX/XX/XXXX-XX/XX/XXXX And for each time that this has happened there are no explanation, for how ( the factors has information that are not form my credit file ). the state of Maryland give me the right to find out the name of the person who was task with the responsibility of the investigation and conclusion conclusion that request has not been granted Now this is the 34th time EXPERION HAS USED THE SCORE FACTOR. As its own independent means of destroying My credit and many other people also. Because score factors was not designed to contain information that is not from the credit file, but that is what is happening now. And when you point that out to an employee of EXPERION all they do is transfer me from the dispute department to the membership department, back to the dispute department. 
That will never be fixed, Like this. The score factors say I only have two Accounts paid as agreed I have five accounts basically three open And two close. The score factor says Ive only paid 23 % of my car loan Ive paid 34 % 1/3 of my total car loan. My age of credit three years eight months the score factor say thats too short last year it was not too short.
Product: Checking or savings account

They sent me a message saying my account has been permanently suspended with fund still in account and they will not reply or return funds.
Product: Debt collection

XXXX XXXX XXXX sent false debt collection information to Bursey and Associates XXXX. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the XXXX office and they are suppose to remove this false claim from my name. What upsets me the most is that XXXX XXXX XXXX assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$36000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I complained to the big 3 reporting agencies that my balance was shown too high for a prolonged time thus lowering my score. They deleted the card from my file [ not at all what I wanted ]. XXXX and XXXX XXXX began reporting again and reinserted accurate information. Equifax never did. XXXX XXXX  assures me they report as required monthly. I have enclosed a letter from their XXXX XXXX XXXX who phoned Equifax with me yesterday in an effort to have them report my card. We left frustrated once again that they have not corrected the error. In their response to you to close my initial complaint they lied and stated XXXX XXXX is not reporting on my file. To illustrate their incompetence further about 6 weeks ago my knee was bothering me and I had my sister do some grocery shopping for me. To make it easier for her I added her to my card so she would not have to use her own funds. The incompetent Equifax is now showing my card on her credit file but still not mine. I have filed disputes with them on-line, over the phone, in writing via U.S. mail  and thru the CFPB but nothing works. On-line I can not see the remarks since they block me from access since they do not recognize me. I am frustrated beyond belief that they continue this error despite my sending copies of my statements and payment history. I have just been turned down for a refinance on my home due to their low score which dropped over 100 points since according to them I have no credit hjistory. IN truth I have excellent credit history never late, balance always paid in full early before even being billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. TOO MANY INQUIRIES NO KNOWLEDGE.
Product: Debt collection

Requested proof of debt, due to not doing business with this company before. They sent back a generic bill stating I owed {$300.00} less that what is reported on my credit report. They then forwarded this to a XXXX party to try to collect this alleged debt and all the communication from them was in XXXX, I then called and requested proof of debt with whom they forwarded this to and for a language change to XXXX and they still have yet to do either and its been XXXX  months.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Edfinancial for inaccurately reporting my consolidated student loan as defaulted despite my on-time payments. 

I consolidated my student loan through Edfinancial and have made all payments on time. 
Despite the consolidation, Edfinancial continues to report the loan as defaulted, damaging my credit score unfairly. 
I disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the servicer failed to update my information correctly. 
Reporting false or outdated information is a violation of FCRA 1681s-2 ( a ), which requires furnishers to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name XXXX XXXX is incorrect. Capital one account I 've never had accredit card. The spring associates amount is incorrect I 've disputed and called their office. Insurance paid all but my portion which was {$500.00} of which I paid {$350.00}. His office has had many complaints to about over or double billing insurance companies