23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies play a crucial role in collecting and evaluating consumer credit and other personal information.

I am notifying your organization that I did not provide consent for this report to be furnished on my behalf. I am aware of your organization 's significant role in this process, which has negatively impacted my livelihood.

Furthermore, I visited a dealership and provided my credit information, yet I received no tangible benefit or outcome in return. This raises further concerns about the proper handling and use of my information.

There is no legal requirement mandating the reporting of any information to a consumer reporting agency. Therefore, your organization is liable for any inaccuracies or unauthorized disclosures.

Additionally, under 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies are required to carry out their responsibilities with fairness, impartiality, and respect for consumer privacy. Your organization has failed to uphold these obligations, as it neither acted impartially nor safeguarded my right to privacy.

I request that you provide evidence confirming that the reported information has been properly investigated. Please also disclose the procedures your organization uses to verify whether the reported transactions are accurate and legitimate.

Lastly, under 15 USC 1681 ( a ) ( b ), your organization is required to implement procedures that meet commerce 's need for consumer credit while ensuring accuracy and fairness. Your failure to do so further supports my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report from XX/XX/XXXX - XX/XX/XXXX that are not familiar to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee. 

I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch check and go also they have used my information to get a credit card with XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXI have letters from XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.
Product: Checking or savings account

President- since paypal is a bank and falls under your jurisdiction I complaining that paypal refuses to give me my account routing numbers or account numbers or a paypal cash/debit card. now I cant set up direct deposit for XXXX for over a year if not two. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.
Product: Mortgage

Selene finance has now stopped excepting our mortgage payment. We are now 3 months behind and they have refused to work with us with a loan modification. We attempted to make XXXX FULL payments and have been refused. Selene is now telling us that we can be foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit reports.
Product: Credit reporting

My wife and I have had an auto policy with XXXX XXXX XXXX for over 20 years and have had an excellent record.Last month, as shown in the attached letter, our rates were raised based on a report from Lexis Nexis Consumer Center ( LN ). We disputed the rate increase, and were told that if we got the LN report, the insurance company may be able to make an adjustment. This seemed fair. 

However, we have NOT been able to get anything from LN, except corporate stonewalling and rudeness. The only time LN is even half-way nice is when they want to sell us products that we do n't need as XXXX. Today alone I was on hold for over 20 minutes, and was transferred several times. 

We are paying higher insurance costs as LN has failed to provide requested information. As we ca n't get the bad data that LN has sent in, we ca n't begin the process of correcting LN 's errors. 

LN appears to be breaking several consumer protection laws, such as the Fair Credit Reporting Act, and title 5 of the Fair Trade Commission Act- which are UDAAPs, as LN seems to be engaging in Unfair, Deceptive, and Abusive Acts and Practices. We think that LN is also engaged in wire fraud, as LN is sending inaccurate data to insurance companies using the Internet across state lines. 

We also are concerned that LN is reporting to XXXX, a credit reporting company under a Consent Order by your Agency, data on a judgement from XXXX XXXX XXXX which does not have a Certificate of Authority ( CoA ) in Indiana where we live, and without a CoA this bank had not legal authority to file anything to obtain a judgement. XXXX Consent Order requires that they check for these kinds of errors, by XXXX also uses LN. There are other errors that we know about stemming from LN. 

In summary , LN may well not want to give us the requested data, because in doing so , LN may be exposed to multiple violations of consumer protection laws.
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety!
Product: Credit card

On XXXX XXXX, 2024 I reached out the settlement department at Navy Federal Credit Union asking to settle on the account ending in XXXX. I have XXXX on hand from a family member that I was able to pay to the account of and avoid further penalties and late payments. The bank could only offer me an agreement in the amount of XXXX. I wasnt able to agree to the amount so I had to cancel the proposed agreement. I have made the bank fully aware that Im in a financial hardship and that I am not able to make monthly payments. Its unfortunate that we couldnt come to an agreement and my account would remain in default status my credit will be affected. Navy Federal Credit Union in XXXX XXXX does not protect its customers.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( i ) Late payment 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1692e false or misleading representation Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting negative information to Experian and XXXX when XXXX account XXXX closed without a past due amount.
Product: Mortgage

I 'm confused. A cryptic notice was left at my door by XXXX ( see attachment ). There was no explanation as to who XXXX is, and even if there was, this is no way to get me to call them. If I did n't look up the phone number, I would n't even know it was related SPS. It appears they are XXXX XXXX XXXX XXXX XXXX that handles valuation and inspection products for SPS. 

SPS was advised I would be open to a cash for keys offer in lieu of filing a lawsuit for a XXXX/XXXX and other actions, yet there has been no response to that offer that was made in XXXX, with several follow ups in XXXX. It is now XXXX and all they have done is to send notices that they have forwarded the correspondence to the appropriate department. 

Instead, they just have someone leave a notice on my door with no explanation as to what it is regarding and without advising that XXXX would be contacting me on their behalf. If they really wanted me to call, you would think SPS would advise in advance ( and in writing ) what this is regarding. After dealing with the prior sub-servicer, XXXX, I am no longer willing to " speak '' with anyone. I 've already advised SPS that all communication would need to be in writing and that there would be no " verbal '' correspondence, so posting a notice for me to CALL, especially without any explanation, is unacceptable.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX USCB Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Cease and Desist Request Regarding Credit Collection Dear CFPB, I am writing to formally request the immediate removal of the collection account listed under my name, identified by account number XXXX XXXX, from my credit report. This collection is appearing open and closed on my report. Also, showing as missed payments. But this account is in collections. Which is inaccurate reporting. This company is reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership validating that this account of such and other documents so I may review to see if this account belongs to me. Collector hasnt provided the correct validation requested, proving matters to this account. According to 15 USC 1692 c you have violated my rights by lawful communications. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the legitimacy of any debt claimed against me. Specifically, I have requested that you provide me with my wet signature on the original contract and the actual payment history associated with this account! paid. To date, you have failed to provide these documents. 
As you have not provided the requested verification, you are in violation of these regulations. I am therefore requesting that you cease all collection activities and remove the collection entry from my credit report immediately. Failure to comply with this request will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 
Please confirm in writing that the collection has been removed from my credit report and that no further action will be taken. 
Thank you for your prompt attention to this matter. 

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

USAA attempted to re-insert a credit line. I had it blocked again. USAA continues lies. 
I will be making a complaint for every interaction for now on and if they use the copy paste response i will make another complaint for not even XXXX looking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported medical bills to my Experian credit report, so i sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTACTS WITH SIGNATURES like i asked. Please help. Attached are the dispute letters i sent to XXXX and the bills and response letter they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can I have excellent pay history and yet such poor credit scores by only Transunion and XXXX? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both Transunion & XXXX cite this as one of the reasons of my low credit score. Transunion and XXXX are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent XXXX reimbursement check. XXXX stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, XXXX has erroneously reported it as a Charge OFF. I contacted XXXX, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Product: Debt collection

I am writing to formally dispute inaccurate information that is being reported on my credit report by the major credit reporting agencies. Despite multiple disputes, the inaccuracies remain uncorrected. I have disputed these inaccuracies directly with XXXX, XXXX, and Experian multiple times, providing all necessary documentation to support my claims. However, the agencies have failed to correct the information, continuing to report inaccuracies that are damaging to my credit profile. According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and verifiable information. The persistent inaccuracies and lack of corrective action necessitate the deletion of these disputed accounts from my credit report. 

The continued reporting of inaccurate information is causing significant harm to my financial standing and overall creditworthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 XX/XX/year> 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, Experian, XXXX  and XXXX  have violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or  substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest an affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX  and XXXX  failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from my credit profile. 
Please immediately permanently delete the following the accounts from my credit profile under the FCRA Section 609, Section 605B, Section 611 and FCDPA Section 809. 

XXXX Account # XXXX Opened- XX/XX/XXXX {$4900.00} XXXX Account # XXXX Opened- XX/XX/XXXX {$610.00} XXXX XXXX XXXX  XXXX Opened- XX/XX/XXXX {$240.00} Account # XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$4600.00} XXXX Account # XXXX Opened XX/XX/XXXX {$200.00}
Product: Checking or savings account

From XX/XX/2021 through XX/XX/2021, three separate, unauthorized transactions were made through my Bank of America bank account. An unknown checking account was linked to my bank account and transferred three separate amounts : XX/XX/2021 : Transfer of {$1700.00} XX/XX/2021 : Transfer of {$1200.00} XX/XX/2021 : Transfer of {$1800.00} A total of {$4800.00} was withdrawn from my account without my consent or authorization to an unknown entity. I have no information on the account number, or who it belongs to, as the moment fraud was detected, I was advised to immediately delete the linked account and change email/password. 

This is a widespread problem for Bank of America, and hundreds of thousands are having the same problem of foreign entities withdrawing money without their authorization. Hindsight, at this point, is irrelevant. The issue is the way Bank of America refuses to give victims their money back. I filed a dispute earlier this month, and received a letter telling me that there were 'no errors ' found and that my claim was closed. Once again, hundreds of thousands are being told the same thing, and are having their money held hostage. People 's livelihoods are at stake and Bank of America refuses to do thorough investigations into this matter, and give victims what belongs to them. 

I was also told that, if no resolution were found in ten days, I would receive a credit to my account, but this did not happen ( this is besides the point, however ).