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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : XXXX. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. XXXX. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. XXXX. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.
Product: Vehicle loan or lease

I am submitting a complaint due to predatory loan from Credit Acceptance when I purchased a used vehicle through the lender Credit Acceptance. The truck was a XXXX  set at XXXX USD sell cost. My APR on vehicle was 24 %. That was a really highly inflated principle balance which doubled.
Product: Credit card

I have requested documentation on this account since XX/XX/year> and I have not received it to this day. The information on this account is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to ensure these items are removed to prevent further fraudulent use of my information. 
Accounts to be Deleted : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$290.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6600.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$690.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$7300.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$7300.00} Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # listed below, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to provacy. 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. I have the following accounts reporting inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Hard Inquires XXXX. XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX. XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX. XXXX XXXX Inquired XXXX XX/XX/2022
Product: Mortgage

My husband ( an active XXXX ) and I applied for a refinance with Mr Cooper mortgage services on XX/XX/XXXX. They already have our existing VA loan and we requested a streamline IRRRL with an expiration date of XX/XX/XXXX. At the time the rates were very good and we were reassured that they will take care of our loan so we turned down multiple other offers. We have not needed to change anything on our end, not the POA or home insurance or anything that was reviewed multiple times by Mr Cooper during this process. The only change since initial application is that my husband 's credit score has increased 100 points many months ago. I feel like we are being deceived by Mr Cooper. They keep extending the rate lock of 2.75 percent over and over again. The most questionable thing that keeps happening is the loan processor XXXX XXXX calls me on the phone to tell me not to pay the mortgage as we are about to close and it may hold up the process. In XXXX she told me not to pay for XXXX and I told her via phone conversation that I was uncomfortable with that and went ahead and paid. It seems I did the right thing because the refi still has not closed as of today XX/XX/XXXX. She told me to delay in XXXX for the XXXX payment as well which I did and I think they charged me a penalty. She again told me this month I did not have to pay as the refi will definitively close as of XX/XX/XXXX. I repeatedly called and emailed both her and her management all last week to respond on the status of the loan without answer before finally paying yesterday. So are they trying to incur penalty fees or find a way to not process our loan by misleading us or both? They won't tell me why the excessive delays on what is suppose to be the easiest loan to process even though I have asked many times. My phone calls and emails generally go unanswered which is very frustrating.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Owed : {$330.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX Balance XXXX : {$4700.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation.

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

Experian has failed to update outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXXXXXX XXXX  and XX/XX/XXXXXXXX XXXX 


Accounts Disputed but NOT resolved : OUTDATED ADDRESS- Experian has failed to remove outdated addresses- ( from over 25 years ago ) after dispute submitted in XX/XX/XXXX and XX/XX/XXXX. This is INACCURATE reporting. XXXX and XXXX only report my current address. 

XXXX Acct # XXXX Late payment XXXXPlease see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 
XXXX and Experian failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX XXXX Acct : XXXX This account is INCOMPLETE- ( Missing : Payment HistoryXXXX XXXXXXXX ) and marked Closed XX/XX/XXXXXXXX  in Payment History- ( THIS ACCOUNT HAS BEEN CLOSED BY XXXX IN XXXX DUE TO INACTIVITY ) -THIS IS REPORTING IN ERROR Dispute-30 Day late reported in XX/XX/XXXXXXXX XXXX XXXX 60 dayXXXX XXXX, XXXX XXXX In order for XXXX XXXX to treat this payment as late XXXX XXXX must mail the periodic statement 21 days prior to the due date which XXXX did not receive. 

XXXX XXXX and Experian failed to notify me in writing of this negative information on my credit report as stated in law above. 

XXXX XXXX Acct # XXXX Dispute 30 day late-reported XX/XX/XXXX, XXXX XXXXn order for XXXX  XXXX to treat this payment as late XXXX XXXX must mail the periodic statement 21 days prior to due date. Verify/Validate XXXX XXXX followed the law regarding reporting late payments XXXX XXXX and Experian failed XXXX notify in writing of this negative information on my credit report as stated in law above.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I attempted to get a loan in the amount of {$350.00}. I used the standard transfer option. On XXXX I received an email staying that due to a technical error my loan will arrive on XXXX instead. I did not receive my loan and opened a ticket on XXXX. XXXX responded that my loan failed due to a technical reason and that I should try again. Per support, I requested a test loan draw of {$48.00} and paid the fee for same day deposit. That loan was received that day. Following that, I requested a loan in the amount of {$340.00} and paid the same day fee. The {$340.00} loan did not arrive that day. I proceeded to contact support for additional assistance. Per support, I XXXX the auto-pay function until the issue was resolved. On XXXX my XXXX XXXX  was charged {$360.00}. I promptly contacted support for an immediate reversal. This lead to the account to be severely overdrawn and I am unable to make payments on bills. I attempted to follow up on XXXX. I did not receive a reply until XX/XX/11, in which Empower was still 'researching ' the issue. However, I am now incurring fees with my bank. On XX/XX/11 I filled a dispute with XXXX XXXX to reverse the transaction and have submitted the support tickets. 

Empower has been incredibly slow resolving an issue that is causing a major problem and incredibly high fees for me.
Product: Vehicle loan or lease

Today, I'm here to shed light on a series of events that have significantly impacted t my life. On XX/XX/XXXX, while I lay in bed, a civilian collided with my parked car, rendering it a total loss. 

I am responsible individual, had taken out insurance for their XXXX XXXX XXXX. However, due to an unfortunate oversight, loan coverage was not selected on my policy. Despite this setback, XXXX XXXX stepped in and settled the claim, to the tune of {$11000.00}, effectively acquiring ownership of the vehicle in the process. 

Prior to this ordeal, I was battling a XXXX XXXX XXXXXXXX, leading to frequent XXXX  visits throughout the month of XXXX. Despite my health struggles, I arranged with Toyota Financial Services to make my XXXX car payment ( ask for a transcript of the recorded phone call which I was denied ), which was fulfilled on XX/XX/XXXX. 

Now, what transpired next is nothing short of negligence on the part of Toyota Financial Services. Despite explicit instructions from their loss department to cease payments during the total loss process, they proceeded to inflate my XXXX payment from XXXX to XXXX. What's more, they failed to allocate the {$11000.00} settlement towards the outstanding balance, compounding my financial burden. And obstructing the information needed to finish the Gap insurance claim its now XX/XX/XXXX and is still on going. 

I implore you to consider the circumstances i have endured. The victim of an unforeseen accident, compounded by health challenges, and now find myself entangled in a web of financial mismanagement. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under File Number XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$900.00}. If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will be removed immediately.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with accounts listed below which still appears on my credit report, even after your investigation. We can not say these accounts are 100 % accurate so its deemed inaccurate.15 u.s code 1681i ( 5 ) treatment of inaccurate or unverified information ( A ) In general if after any reinvestgation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that information from the file of the consumer report. Please delete these accounts immediately!
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, GA, XXXX ] [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Equifax are required to ensure maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes. Equifax has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights. The following items on my credit report are inaccurate : XXXX. XXXX XXXX XXXX Account # : XXXX**** Inaccurate : The Date of Last Payment, The Date of Closure/Date of Last Report, and the Payment History are all Inaccurate. XXXX. Attached to this is a correspondence from XXXX XXXX XXXX I Demand 1. Conduct a thorough and complete investigation into this matter. 2. Correct or delete the inaccurate information immediately 3. Provide me with a copy of the updated credit report reflecting these changes. Please note that failure to address this dispute within the legally required 30 days will result in further action. I am fully prepared to file a complaint with the CFPB, as outlined in their guidance, should Equifax fail to comply with its responsibilities under the FCRA. I trust you will handle this matter promptly and professionally. You can send all correspondence to the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Experian has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ). 

Experian is in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ) regarding the re-insertion of previously deleted material : * XXXX XXXX. XXXX ( XXXX ) ( B ) ( ii ) mandates that I should have been notified in writing within XXXX business days of the reinsertion. I received no such notice. 
* XXXX XXXX. XXXX ( XXXX ) ( B ) ( iii ) requires that Experian provide the business name and address of the furnisher of information and their contact details, which were not provided to me. 
* XXXX XXXX. XXXX ( XXXX ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled because this account is a result of identity theft. 

I request that you block the information on my credit report within ( XXXX ) XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Please delete and block the following accounts and inquiries : XXXX. XXXX XXXX XXXX Number : XXXX : $ XXXX Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX : $ XXXX Opened : XX/XX/XXXX Additionally, the following inquiry, was fraudulently added to my credit report and needs to be removed : * XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts and addresses : 1. FTC Identity Theft Criminal Complaint # XXXX
Product: Money transfer, virtual currency, or money service

Ive been experiencing bad customer service from zelles thats set up with my us bank account. Ive been experiencing money getting sent to the wrong person and money being tooken from my account. Its been a lump sum of money as well becasue i do most of my business payments through zelle. When i informed zelle they said they couldnt do anything about it.
Product: Student loan

Started monitoring my credit in 2017 and noticed a student loan, have been trying to report a fraudlent account had been opened in my name but had experienced a financial hardship. When I began to get financially stable I was able to start disputes, report my identity stolen and get my life back. I called XXXX XXXX XXXX, XXXX and NelNet to dispute directly through them. Nelnet refuses to investigate even with my identity theft report being submitted to them. I did not authorize any student loans and had no knowledge of this account until XXXX later.
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. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3500.00}
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports. 

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.
Product: Vehicle loan or lease

I Bought a car from XXXX cars located at XXXX XXXX XXXX XXXX, XXXX XXXX PA. The business has since closed and I'm on the hook for a loan on a car that can not be registered and titled. I have reached out to CapitalOne, the county Clerk, the civil court deptXXXX, filed a complaint with XXXX and consumer affairs. I am recently out of bankruptcy and and was horribly taken advantage of. I am stuck paying for a car that I can not drive and can not afford to get another car without this one affecting my credit. Please ..please help me. I am unable to work and get my kid around because of this horrible experience.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports