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

Consumer Financial Protection Bureau ( CFPB ) Subject : Account dispute against : NETCREDIT/ XXXX XXXX  I am writing to file a formal complaint against NETCREDIT/ XXXX XXXX  due to failure to respond to a credit dispute letter I sent on [ XX/XX/year> ]. which is related to the payments that your company marked late during the following accounts on the following date ( s ) : XXXX XXXX, XXXX XXXX ACCOUNT : NECREDIT/ XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX  ; XXXX or all that apply ) and update the accounts to positive.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/2023 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to express my serious concerns and to formally dispute the inaccuracies and violations in your reporting of the account XXXX XXXXXXXX. I believe your actions are in violation of both the Fair Credit Reporting Act ( FCRA ) and the Metro II reporting standards. I request that you promptly investigate these issues and take necessary corrective actions to resolve them and comply with your legal obligations. 

The dates reported for this account, including the date opened, last active, and last reported, appear to be inconsistent and inaccurate across different credit bureaus. This seems to violate FCRA Section 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information, as well as Metro II reporting standards mandating accurate and consistent reporting of account information.

Moreover, I am concerned that this account may have been re-aged to extend its legal termination date. Re-aging accounts is prohibited under FCRA Section 623 ( a ) ( 5 ), which forbids furnishers from reporting information they know or have reasonable cause to believe is inaccurate, and is also a violation of Metro II standards requiring accurate reporting of account dates.

The presence of these apparent violations regarding this account is very troubling. I am worried they may have negatively impacted my credit profile and ability to obtain credit and other financial services. I request that you cease reporting any inaccurate or violative information related to this account to the credit bureaus and remove any associated negative items from my credit reports.

Please conduct a thorough investigation into this matter and provide me with evidence supporting your reporting, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). Note that I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I hope we can resolve this matter promptly. However, if these issues are not satisfactorily addressed within 30 days, I may need to consider further action, including potentially filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

Thank you for your attention to these concerns. I look forward to your timely response and to reaching an appropriate resolution. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan on XX/XX/, via the Wells Fargo website. The language on Wells Fargos website is very misleading. I was led to believe that via a soft credit inquiry, Wells Fargo would show guaranteed loan options and once I accepted a loan option, 1. ) approval was guaranteed, and 2. ) a hard credit inquiry would be placed on my credit. 

Notably, a hard credit inquiry was placed on my XXXX credit report, however Wells Fargo denied the application. I am writing to ask that the hard inquiry be removed from my XXXX report as Wells Fargo misrepresented its products and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I started a loan on XXXX for {$14000.00} for a Term of 66 months., with Nicholas Financial, Inc . I have been paid $ 392.oo monthly since then until Today 's date. I am current on payments. I just got behind on payments up to 120 days on XXXX  because I was unemployed. But as soon as I got a new job, I paid all the fees imposed by the Company to avoid loss the auto as I was treated it for and the condition was to put the account current at that moment. Since then, any payment I have missed. 
But is unbelievable and unacceptable that even that the XXXX XXXX XXXX still have and report is almost the same when I started ... and is not getting down : {$10.00}, XXXX. More than half of the payment goes to Interest, which is something several times I have complain about ; but not one fix or adjust it, care or respond me as should do. I have been charge several times by expense insurance premiums, without notified me previously and even the Ins. company reported for me that I have coverage. That supposed is one of the additional charges, Company said I have, plus a lot of fees that are not right. I have never received any formal statement with the complete history of payments as per I requested several times. Actually, I have nor received bills since more than 2 yrs, when I asked them for... But according to an email received, from department on head quarters, where I complain through an email, the answer of all my complains is : " that is what it is '' and nothing else to change. So, because I have not had time I have to continue paying and paying, first to don't affect my credit and second because I need the car. I tried to change the car to get out from that loan but the outside down is too high. Car has lost its value, and I still have a big loan balance after 68 months paying. I am unemployed again now and I just thinking in bankruptcy just for it. Co., report to credit bureaus that I have paid just 28 payments. That really disgusting me, I am very stressed about it ... for long time I don't know what to do ... Its not fair what that Co.is doing. I have paid more that {$26.00} K. Please help me!! Thank you!
Product: Debt collection

XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including Capital One. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including Capital One. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT Capital One. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : Capital One sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX and XXXX PA ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted Capital One and they have verified the debt as legitimate. 


Capital One is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially purchased a vehicle from the XXXX XXXX XX/XX/XXXX and on day one configured the automatic payment on this account. ALL Payments had been made automatically and no issues were ever reported on the account. XX/XX/XXXX I changed my banking institution and updated the payment information on their XXXX XXXX, received a confirmation email indicating that changes had been submitted. 31 days later I received a call from their " Collections '' department indicating I was 2 months past due and that the account needed to be brought current. A couple hours later after arriving home I logged into the portal and confirmed what had been stated on the phone call and proceeded to manually process the payment and bring the account to good standing. I reached back out to their support team and explained what had happened and how this change must not have stored on their system when the changes were processed, I provided information about the changes and advised to send a letter explaining the issue. I proceeded to send a certified letter with all the detailed information ( All attached ) and how a system glitch caused the issue, I provided screenshots of several errors received while using their portal. I have received several letters back indicating that information provided does not suffice the removal request. They have made it impossible to communicate with them over the phone since this department only communicates via Fax or Letters. Every single reply received has been generic and with no intention to resolve this issue.
Product: Student loan

To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

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

I have reach out to Experian many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



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

In accordance with the Fair Credit Reporting Act I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXXXXXX XXXX also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX  fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

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

XXXX XXXX credit card company pulled my credit, did a hard credit check to my report multiple times without my knowledge. All of my husbands credit card accounts are listed on my credit report. My husband place me on his accounts as an authorized user, not me. Every single time they check his account they ran a credit check on my credit which has lowered my credit score. 

I have requested that XXXXXXXX XXXX remove all these accounts from my credit report. 

This has caused me to possibly lose a low interest rate and possibly the home. 

All three credit reports are doing this to me. When I asked for this to be corrected, they advised me that it won't happen. 

I am filing a formal complaint and reaching out to an attorney to see what I can do, if anything.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries made to my credit report for things I did not apply for XXXX XXXX XXXX - XX/XX/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: Money transfer, virtual currency, or money service

Two online bill payments were paid on XX/XX/2020 with a arrival date of XX/XX/2020. After callling customer service. The two payments XXXX XXXX {$15000.00} and XXXX XXXX {$13000.00} were sent out by mail on XX/XX/2020. Due to increase traffic and issues with the U.S. mail.  The items my be delay or loss and could result in more interests and late fee being charge on credit cards I wanted to pay in full. Customer service was unable tell give me a reference on what determines whether a payment would be sent ETF or by mail. The Payment was made on the XX/XX/2020 and the arrival was date was XX/XX/2020 on the bill payment site.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Product: Debt collection

I just viewed my credit report and there is an account from a company I have never heard of. This company never contacted me, by first class mail or certified mail. 

This company name is Credit Control Corp from XX/XX/2011. I have never did business with this company. I never received any letters from this company. They just put an account on my credit reports and left it. No right to dispute the validity of the alleged debt letter was sent. They have violated the FDCPA and the FCRA. 

If I did n't check my credit today, I would have never knew that this account was on there. This company has violated the FDCPA and the FCRA. 

I want this account removed from my credit reports. I have never heard of Credit Control Corp, Acct # XXXX
Product: Debt collection

My family members are receiving calls from XXXX XXXX at ERG trying to contact someone with a similar name to myself. The calls are from XXXX XXXX XXXX XXXX but asking to call XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 ( a ) states I have a right to privacy.

15 U.S.C 1681 604 ( a ) section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( c ) ( 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 1681 ( s ) -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.

These credit reporting agencies never requested or asked for my consent to obtain and share my information which violated my privacy 15 USC 1681
Product: Credit card or prepaid card

i am locked out of my online account for american express i am unable to reset my password and have emailed and spoken to representives who send me links to reset and software issues on there security side refused to take any variation. they claim they would have reached out to me.
Product: Credit card

I submitted a complaint to CFPB on XX/XX/year> because I wasn't getting any updates on my credit card application from XX/XX/year>. Immediately following, I received a denial letter on XX/XX/year> from Capital One stating I was denied because I hadn't provided additional information requested/missing information on my application. 

This is false. They didn't ask me for additional info other than copy of my driver 's license which was provided. 

The letter suggests it was an issue with my credit score which was XXXX out of a possible high of XXXX. Ridiculous! 

The denial seems retaliatory for filing the complaint.
Product: Credit reporting or other personal consumer reports

Credit bureau will not update student loan balance. Incorrect amount shown since XX/XX/year>. Experian does not answer the phone.
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 USC 1681. 
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  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: Mortgage

I have a mortgage with Rocket MortgageXXXX XX/XX/XXXX I was mailed an escrow review. I was advised that is I paid XXXX by XX/XX/XXXX my payment would increase to {$1700.00}. I paid the XXXX. When I got the XXXX XXXX it stated the my payment was {$1700.00}, mind you the XXXX I paid did appear on that statement. 

When I asked about this I was told the my payment is actually {$1700.00} and I should always verify my payment on the website. This is odd, why the extra step? Shouldn't my statement be correct, the extra escrow payment I was was on the incorrect statement. 

I spoke with the Rocket Mortgage rep on the chat function and when I mentioned the CFPB is disconnected the chat. 

I believe that XXXX Mortgages practice of account recored is flawed and needs a review. 
I want in writing what my mortgage payment is as next time maybe they will refer me somewhere else and I don't want to short pay again.