23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I dispute the Bankruptcy on my Experian consumer credit report. And result from Experian reinvestigation concluded that the Bankruptcy will remain on my consumer report XX/XX/XXXX. Experian didn't send me proof of their reinvestigation. Report # XXXX. For anything to be reported/furnished on my consumer credit report, I must give my written instruction per 15 U.S. Code 1681b. and I didn't not give Experian my written instruction & Experian violate my privacy.. Bankruptcy is public record BUT, I did not give Experian my written instruction. And U.S. Bankruptcy court doesn't not furnish any records to credit reporting agencies ( see the attached letter from the Bankruptcy court ) here is the violations : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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
Product: Vehicle loan or lease

XX/XX/XXXX  I mailed an affidavit of truth, exhibits of violations, invoice and notary presentment to XXXX XXXX XXXX a division of BMW Financial Services NA , LLC. This company is in violation of selling and transferring my information in connection to my consumer credit transaction without my direct consent. Failed to provide me remedy for the fraudulent activity connected to my account.
Product: Credit reporting or other personal consumer reports

I contacted Edfinancial they informed me they sent a letter to the The 3 credit bureaus, to update account, however I owe them {$0.00} and it hasnt been updated & deleted from my credit report with neither of the 3 credit bureau company! When speaking to each of the credit bureaus they informed that they have not received a letter from Edfinancial on the matter to do so, but when they get that letter they will be able to update my credit report with the proof of information they receive!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been i victim of identity theft and these companies are affecting my credit report. 

XXXXXXXX XXXX  credit card opened XX/XX/XXXX, balance {$540.00} XXXX XXXX XXXX XXXX  balance {$0.00}, opened on XX/XX/XXXX. 

XXXX balance {$0.00}, opened on XX/XX/XXXX XXXX XXXX XXXX balance {$95.00}, opened on XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX, balance {$1600.00}, opened on XX/XX/XXXX XXXX has been filed at identitytheft.gov see attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first problem I had with this company was that they issued the loan I was approved for 30 days late. The official start date of the loan came before I actually had the funds. I pursued the company through the legal realm and they never responded to multiple letters. They actually withdrew my first payment on the day I received the loan deposit! Then they did not factor this into my payment schedule and would not adjust my loan payment dates, I contacted them SEVERAL times about this, yet they refuse to do anything about it. The conversations were demeaning to me. They made threatening and harassing phone calls to my co-signer which caused my character to me defamated. They also took my money after making a large lump sum payment during the Covid-19 lockdown that was supposed to stretch out over 3 payment cycles and by mistake added to my principle balance so it looked as if I was not paying on time during this time, when I was clear the payment was for the next 3 payment cycles. I talked it over with them several times, yet they have NOT corrected this on my credit. It is very hard to get in contact with the department who handles any of their credit reporting, they do not receive direct calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I requested a copy of my  XXXX  Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file, as  XXXX  the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is ov er five years old and should not be reporting  on my file at all.     The report shows a conviction for Failure to  Appear  from  XXXX   XXXX ,  2010 . The corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract f rom the Secretary of State. Ple ase find that the aforementioned conviction is not reported my driving abstract as the conviction was vacated.     Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the last five years I responded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXXARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

i have a debit of {$140.00} that i had no idea about. it is affecting my credit and they wont take it off my report they sent the letters to my old address and i told XXXX  XXXX  i was moving and that was the reason to cancel way point is the company phone number XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint cash app ( Block.Inc. ) due to an inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ), specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I appropriate redress for my loss
Product: Checking or savings account

I was asked personal information and also unauthorized transactions charged my account and I tried to report multiple times but there was no one to call to report it to and I tried ordering a card multiple times and they will not allow me or tell me why I caint get a card.
Product: Mortgage

my home loan was bought from XXXX by New Rez. Each month they tell me my pmt was late and i owe late fees. Several times I have sent documentation from my bank to New Rez to validate they cashed my check before the due date. This seems to work until the next payment is due and then I have the same problem. This is costing money and time. When I speak with someone in cust service they say my accnt is fine. When I request a payment summary statement it shows all pmts made before the late date. I am incurring late fees. My accnt # with New Rez is XXXX thank you
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent XXXX a fair notice of Opting out.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Summary : I am filing this complaint to report multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by Security Credit Services , LLC. The company has engaged in misleading and coercive practices in its attempts to collect an alleged debt. I am seeking assistance from the CFPB to address these violations and to protect consumers from similar misconduct. 

Details of Violations 1. Misrepresentation of Legal Status and Threat of Default Judgment FDCPA Violations : 15 U.S.C. XXXX ( XXXX ) ( A ), XXXX ( XXXX ) Description : On XX/XX/year>, Security Credit Services , LLC sent me a letter falsely representing the legal status of the alleged debt by implying an immediate threat of default judgment. The letter claimed that failure to respond within 14 days would result in a default judgment, even though no active court filing exists and the letter itself stated that the court had no record of the lawsuit. This was an attempt to coerce a response under a fictitious threat of legal action. 

XXXX. Use of Deceptive and Coercive Language FDCPA Violation : 15 U.S.C. XXXX ( XXXX ) Description : The communication uses ambiguous language suggesting that I am in default without clarifying my legal standing or the status of the alleged debt. This language was designed to create a false sense of urgency and pressure me into paying the debt. Security Credit Services , LLC used deceptive language to make it appear that immediate action was required, causing undue stress and confusion. 

XXXX. Use of Simulated Court Documents to Mislead and Intimidate FDCPA Violation : 15 U.S.C. XXXX ( XXXX ) Description : The structure and format of the documents sent by Security Credit Services , LLC closely resemble actual court complaints, despite no active legal action. By simulating a court document, the company attempted to intimidate and mislead me into believing that a lawsuit had been initiated. This tactic is deceptive, coercive, and a clear violation of the FDCPA, as it gives the impression of judicial authority where none exists. 

XXXX. Unfair and Abusive Collection Tactics FDCPA Violation : 15 U.S.C. XXXX Description : The company used unfair and abusive language in its communications, suggesting that I would lose my rights to contest the debt without immediate action. This coercive tactic goes against the FDCPAs prohibition of unfair and abusive practices, as it was intended to manipulate and pressure me into payment without proper recourse or understanding of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Date Updated : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

Previously there where transactions not authorized on my XXXX acct as well as a crypto currency exchange defrauded me over a XXXX dollars in which was misleading leading
Product: Debt collection

According to your response on a previous CFPB complaint response, you said that the previous contract " was not funded ''. However, I never submitted two contracts. I have one contract ( contract # XXXX ). Is this the contract you are referring to? If it is, then you are now saying that the contract is void and holds no value. Seeing how this was an error on your end and the car dealership 's end. This has become a problem for me considering you have been reporting false information to the credit bureaus as I first exclaimed. I hope that you understand the importance of being completely honest regarding federal statutes. Again, there are serious penalties from the federal government for violating TILA. Failing to accurately disclose finance charges, APR charges, and the misapplication of daily interest are shown on contract XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments Ive attached a copy of my report to this complaint on XX/XX/year> and XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. 
Thank you for understanding and taking the time to take action. 


Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Customer service representative was very rude. I explained that I had a pending Business Amazon Account and it wrong bottom on Amazon of a credit card. There was no sympathy from XXXX. XXXX and XXXX understood and filed a dispute. I have experience the same with Chase card in the past and said I would never get another card. I did not need the card accident in error hitting the wrong card because I already have a Chase XXXX card. I wanted to report to the Consumer Finance Bureau of my horrible experience of the misunderstanding from XXXX. I am still waiting on the pending approval from Amazon Business Card although I hit wrong button for the Chase card that was denied and caused my credit score to decrease XXXX points. I want my XXXX points back on my credit report due to the card was hit by button in error. 

Amazon, Chase or XXXX was not able to help me.
Product: Credit reporting or other personal consumer reports

Ive recently took a look at my credit and was terrified when I seen all kinds of fraudulent activity that should not be posted to my credit attached is a report of items that need to be deleted removed and according to 15 USC 1681s-2 they are suppose to 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 items need to be delete asap violation of my consumers rights and laws
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies for their failure to properly verify and remove inaccurate accounts from my credit reports. I initiated a dispute with the credit reporting agencies regarding the presence of inaccurate information on my credit reports. However, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response. 

I am deeply concerned about the lack of communication and action from the credit reporting agencies in resolving this matter. The inaccurate accounts on my credit reports have had a detrimental impact on my financial standing and creditworthiness. It is essential for these inaccurate accounts to be promptly removed to ensure fair and accurate reporting. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to hold the credit reporting agencies accountable for their failure to properly verify the disputed information and provide a timely response. It is crucial that these agencies comply with the Fair Credit Reporting Act and take immediate action to remove all inaccurate accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiries on my Equifax and XXXX credit report. 
Inquiries with Equifax are : XXXX XXXX XXXX are : XXXX XXXX, XXXX, XXXX  and cXXXX XXXXs
Product: Checking or savings account

Since aroun XXXX XXXX on XX/XX/XXXX, I have not been able to access my checking account online or via my mobile app. On XX/XX/XXXX I called my bank branch to ask what was happening, they told me a third party vendor of theirs was experiencing issues and there is no timeline of when the issue will be resolved. I went to my bank branch to try and withdraw funds and was not allowed because even the bank tellers can not access the funds in my account. I have bills due and necessities. I need access to my own money.
Product: Vehicle loan or lease

Failure to provide ways to make auto payment. Site gives errors when payments are submitted. Bill pay payments undeliverable and always get hung up on Since day one of having this account i have had nothing but issues with BBVA. From website issues, payment solutions page always giving errors when making payments, being told to go online but then tells me my account is not found. I have incurred late payments due to this even when i try to pay on time!! I have been speaking with XXXX XXXX in regards to this and all proof was sent to him and he corrected a few lates and took payments manually for me. Everytime i call i get hung up on, told i will get a call back then no call back at all, left several voicemails for XXXX and no repsponse back. I was told to login to BBVA site create account and i can pay and view bill online. Once again says no account found, or system error when i use solutions page to pay. Issue not fixed when stated it was! Last i spoke to XXXX and he said he would look into this and get it fixed moving forward and have all lates removed from my credit due to this issue. Here were are again and now 60 days late because they wont take my payments, calls, hang up on me and site still not working and my bill pay via my bank comes back undeliverable as well! I received a call back and voicemail stating they were researching the issues to fix this for me and i called back and not one phone call back since!!! They blow up my phone in collections for manual calls but everytime i answer there nasty and rude and hang up on me, or wont get me to the person i ask for to resolve this and try to explain what has been going on and was told to speak with XXXX directly since he is handling this account for me. Then when i try to call and pay they don't answer, hang up on me, or no automated payment system to even pay with! I can't even trade car in now because of all the inaccurate late pays they reported which were all from their website and payment issues. I have found out as well others who have this company are experiencing the same issues. 

I also uploaded a voicemail confirming they are researching the issues to get this resolved and fix my account and when they said for me to call back i did 2-3 times.. and not one call back or email to update me on anything. NOTHING WAS DONE!!