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

I have previously sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided a detailed list of the accounts in question and highlighted the errors and violations affecting my consumer report. Despite these efforts, it has been over XXXX  days, and I have yet to receive a satisfactory response or resolution. Attached are copies of the letters and supporting documents sent. 

This company has violated FCRA 623 ( a ) ( 3 ) by failing to investigate and accurately report the disputed information. 

Additionally, FCRA 623 ( a ) ( 5 ) has been breached as the account was not marked as disputed, despite being subject to an ongoing investigation. 

The company has also violated FCRA 605 ( a ) by continuing to report outdated and incomplete information, which misrepresents the accuracy of my credit report. 

Lastly, under FDCPA 809 ( b ), the company has failed to provide sufficient validation or evidence to substantiate the accuracy of the reported account, further violating my consumer rights as defined by the FTC. 

I request that this matter be promptly investigated, and that the inaccurate information is corrected or removed from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that credit report changed, when I logged into my account it said I had 2 new hard inquiries one from Elan Financial and one from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from XXXX and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call XXXX and I sent them an email. They never responded. I called Elan financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX my wife and I applied for credit at Toyota of XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a Toyota and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon Toyota of XXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : My account was transferred in XX/XX/XXXX, and during this time, payments may not have been properly accounted for due to delays in processing the transfer. This should not have resulted in late payments being recorded.

Payment Processing Delays : Any delays in payment during this time were a result of systemic issues during the account transfer, not negligence on my part. All payments had been initiated within the required time frame, as evidenced by my payment history prior to this period. 
Dispute Already Filed : I had previously raised a dispute regarding this issue, which was noted as resolved by the credit bureaus. Despite this, the incorrect information remains on my TransUnion report, further suggesting an error in the final reporting. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


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

I reviewed my Consumer Reports and noticed that I had a 30 day late payment on an account that has never been late 30 days. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with maximum accuracy. I have never been late 30 days on any payment for this account XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late at least 30 days. If proof can't be provided, I demand that this payment status be updated to on time as it should be as I was never late 30 days. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I have tried for 4 months to send back something ordered from the google store using the credit card from google. They said they sent the shipping labels but have not. This is the second time I have had this problem with google. The first time took 64 back and forth emails and months to get the labels to return the item. I have complained to the attorney general of NY and they said I might want to also get you involved. After fifteen minutes on the phone with the credit card company they transferred me to google store with no option that would have helped. I recorded the entire call for you if needed as I was filling this complaint out. Their mishandling of this is going to affect my credit. I have called more times than I have counted getting the same indifference. The first time it was for ear phones that I did not order. They sent a second pair and I only wanted one. The second time was for two chrome cast for the TV and they did not work with the TV 's. Now it is for a thermostat that is not worth it to me.This is on the bottom of the dispute a charge at google store financing
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute has everything to do with Experian and their violating my rights as a consumer. The account in question is with XXXX XXXX account # XXXX. On XXXX I sent a VALIDATION OF DEBT disputing asking to verify its mine in the letter to Experian asking for verification of this debt being mine and validating it by process of providing me with original signatures and documents as it is my consumer right regarding my inaccuracy on my credit report. I did not get it and sent a followup letter on XXXX XXXX again request same information and also asking them to provide signatures and what was their process per the FDCPA. I also pulled credit report and noticed that there was no NOTICE OF DISPUTE LISTED IN COMMENTS both EXPERIAN AND XXXX XXXX FAILED TO COMPLY with FDCPA 809. Validation of debts ( b ) Disputed debts 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 collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

I guess they didn't care to do comply with for the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX when you can clearly see on the attached documents I have filed disputes with EXPERIAN. *please see attached proof of the experian credit report. 

They account also has mulitple inaccuracies that i have shown which has again violated my consumer rights under the FCRA -Results frojm XX/XX/XXXX report show recent payment amount of 0 yet the balance history shows a payment was made on XX/XX/XXXX of XXXX. How was this payment made? who made this payment? what was method of payment? how were payments made on XX/XX/XXXX/XX/XX/XXXX -PAYMENT HISTORY CHART SHOWS DOFD AS XX/XX/XXXX 30 DAYS PAST DUE that means XX/XX/XXXX the account would be 180 DAYS PAST DUE FOR CHARGE OFF WHY WASNT THIS ACCOUNT CHARGED OFF UNTIL XX/XX/XXXX??? 
-HOW IS THIS CHARGED OFF AND PAST DUE? AND CLOSED? 
-BALANCE UPDATED IN XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX? 
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Product: Debt collection

I'm a former tenant at The XXXX of XXXX XXXX and moved in XXXX of XXXX. I put in a 60 day notice and my lease ended XX/XX/XXXX. I actually moved on XX/XX/XXXX and paid the full month 's rent as expected. The apartment keys were returned when I moved out. I was a great tenant who always paid on time and only made a few maintenance requests while living there. The dire being when a piece of the bookcase shelving fell in and rained in my apartment and was never fixed before moving out ( this happened months before the end of my lease ). 

I started receiving calls from a debt collection company ( XXXX XXXX XXXX ) because my account was turned over to them. I went to XXXX XXXX XXXX XXXXXXXX XXXX to have this resolved and received a printout and was told to contact the person over billing ( XXXX XXXX ) on the following Monday. After doing so through email I received an attachment that contradicts the original printout ( please see attachments ). I don't believe that this is good business practice to try to cheat someone out of their hard-earned money so I chose to come directly to you with this issue since the apartment management wouldn't resolve it. I've worked for years to achieve excellent credit in order to achieve a home loan and then this happens to me. The collection agency nor the apartment complex is seeing the issue. 

Attached you will find ; Residential ledger from XXXX XXXX XXXX XXXXXXXX XXXX ( I've highlighted payments ). 
Print out of payment directly from creditor. 
Move-in statement from XXXX XXXX XXXX stating when my new lease started.
Product: Checking or savings account

LENDER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Application XXXX XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX sold us an on demand hot water heater to replace the one that was not working. They promised a zero down and zero interest. Sure, I took the deal and signed their paperwork. Several days and the bill came in with a 6.99 % interest rate. Paying that off would cost me {$8000.00} on top of the {$12000.00} water heater cost. 
We talked to GreenSky and even with all of the talks they said the loan was already made and COULD NOT BE CHANGED! In addition they have charged me {$1200.00} of Finance Charges that I could not find in the contract. The question is ; why didn't they contact me or XXXX XXXX XXXX when they wrote a loan contract with an interest rate? 
I didn't even have a chance to read the loan to see that they were going to charge interest. 
We have since paid off the loan in order to avoid those harsh interest payments.
Product: Credit card or prepaid card

I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Product: Credit card or prepaid card

I signed up for a credit card with Synchrony when purchasing furniture from XXXX XXXX XXXX. I signed up for a promotion of one year no interest. I then proceeded to sign up for autopay for my monthly payments. Today, I noticed a jump in my credit card statement which got my attention. I called the company and learned that the promotion was over and I had been charged back interest and a 29.99 % fee as well. My balance increased by {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

I understand I had a contract but I did not notice the promotion ended because I had signed up for autopay and missed the warning they provided in XX/XX/XXXX and XX/XX/XXXX 's statements. The only reason I noticed was the outrageous increase in my balance on my monthly email notification about my autopayment. 

I think credit card companies should have to notify you in the email autopayment that your promotion is coming to an end and to log in and view the statement. Most consumers do not look at the statements once enrolled in autopay and the credit card companies have an obligation to be more forthcoming. A consumer is likely to forget as I did when the year is up especially when using autopay. 

I spoke with Synchrony and tried to work out a deal to pay the amount off as of XX/XX/XXXX in full if they would work with me to waive the added interest and additional fees associated with a 29.99 % interest rate.They said they could not do that, the most they would do is waive a fee of approximately {$150.00} if I paid off a second charge that was also a smaller part of the total.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : Complain against Experian for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit byXX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXXXXXX XXXX credit card ). 


Hello CFPB, Because of negligence by Experian, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including Experian ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX ) are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, Experian futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 

Experian abaited the Auto Loan Dept. of companies such as XXXX XXXX XX/XX/XXXX and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to Experian, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including Experian.
Product: Checking or savings account

I am writing to express my concern regarding the lack of visibility for specific fees associated with my account and banking services, particularly the fee for cashiers checks. 

I recently needed to request a cashiers check and was informed by the teller it was a {$10.00} fee or a {$2.00} money order fee. While I said Yes to the money order fee, I asked if this was on all accounts and was told on most accounts other than the higher-end banking accounts ; I am guessing these types of accounts don't have these fees because they have large sums of money. It seems odd that middle- and lower-income customers face fees while higher-income banking customers do not. 

Upon leaving, I did a simple XXXX search to locate this Cashier 's Check fee at Fifth Third, but I could not find any information via the XXXX site that would show me a list of banking service fees. It would be beneficial to have a comprehensive list of all banking service fees readily accessible. Transparency in these matters is crucial for effective financial planning, and I believe it would significantly enhance the customer experience.
Product: Debt collection

I have new information to report NON-COMPLIANCE WITH THE TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( GM FINANCIAL ) may be in non-compliance with the Truth in Lending Act ( TILA ) and its implementing regulation ( Regulation Z ). 
On ( XX/XX/2020 ) consumer initiated a consumer credit transaction to obtain a ( vehicle ) for personal, family and household use. 
Upon recent review of the documents provided it has come to the consumers attention that ( GM FINANCIAL ) may be in violation of multiple provisions of TILA and Regulation Z. 
The total balance your company claims to be due is ( XXXX ) which varies from the amount of the finance charge. 
The finance charge in connection with any consumer credit transaction is the sum of all charges. It is also the cost of consumer credit in a dollar amount. 
Due to the inadvertent or accounting error consumer is requesting documentary evidence ( including but not limited to ) the following : Original consumer credit contract XXXX XXXX Assignments of all parties involved. 
Any XXXX filing and/or statements including any addendums. 
Books of account ( G.A.A.P ) related to consumer credit transaction and account ( XXXX ) Financial and corporate records Any other lawful or verifiable proof of claim money for loan originated from ( GM FINANCIAL ) business bank account or stock. 
( GM FINANCIAL ) upon receipt of this notice has 15 days to provide the requested documentary evidence and proof of claim. 
If ( GM FINANCIAL ) is unable to provide the requested documentary evidence and proof of claim I request ( GM FINANCIAL ) discharge account ( XXXX ), report account paid as agreed with no derogatory marks, remove any liens, send me my title and the XXXX. 
Furthermore, I was forced to make a cash payment ( down payment ) in a credit sale. There should be no cash in a credit sale. If ( GM FINANCIAL/XXXX XXXX XXXX ) wanted a down payment as a condition to the extension of credit it should have been included in the finance charge. 
I respectfully request a refund of my cash payment in the amount of ( {$3000.00} ) via money order or cashiers check sent to the location on file within 7 days upon receipt of this notice. 
By sending you this notice I do not waive any rights to take legal action or to demand arbitration for ( GM FINANCIALXXXX XXXX XXXX  ) past or future violations of the law. 
I pray in good faith we can resolve this matter with honesty and integrity. 
Thanks for your cooperation and compliance in advance. 
Sincerely, ( SURNAME : GIVEN NAME- ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All NATURAL AND CONSUMER RIGHTS RESERVED. WITHOUT RECOURSE