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

fraud account 1 } XXXX XXXX  Original creditor : XXXX XXXX {$840.00} 2 } chapter XXXX bankruptcy 3 ) XXXX XXXX  XXXX XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers 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. 
In the letter I sent, the below accounts on my credit report were being disputed. 
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 The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.
Product: Vehicle loan or lease

Product : vehicle loan I purchased my XXXX XXXX XXXX on XXXX/XXXX/XXXX for {$17000.00} Since then, aside XXXX requests for deferred payments, I have been making the monthly payments of {$430.00} up until XXXX/XXXX/XXXX. In hopes to pay off the loan faster, I started paying {$250.00} bi-weekly on XXXX/XXXX/XXXX. However, no one at XXXX seems to know whether or not my extra monthly {$60.00} gets applied to the principal or not. According to XXXX I still owe over {$2500.00}. My loan maturity date has moved from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I spoke to call center XXXX XXXX XXXX who explained that, in spite of the loan being mature, I will still continue owing them money. 

I would like my account transactions be reviewed, and I would like to receive a written explanation as to where my extra payments went. I am confident that I have been overcharged, and the car has already been paid off. The original contract states that the total of payments ( The amount that I will have paid when all scheduled payments have been made XXXX is {$31000.00}. I have paid a total of {$33000.00} as of this writing. I would like to see that this was just an error on their part and I want the title of the vehicle as soon as possible. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
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: Student loan

After receiving a past due notice, I called on  XXXX  to inform  Nelnet that m y bank showed my {$660.00}  XXXX  payment delivered on  XXXX .  Via speake rphone my wife and I heard :  1 ) Th ere was no record of a paymen t 2 ) T he  XXXX  monthly payment would go to more than {$1000.00} as the  XXXX  payment, listed as regular " regular payment '' on the bill, was for interest only.    3 ) There w as no record of the lost payment and no explanation for the increased monthly amount.    4 ) A fter a transfer to a supervisor, "  XXXX  '' stated that :  a ) A new account number was needed for payments b ) Ther e was no credit listed to the old account.    c ) Service personnel were " Not allowed '' to review income or payment cal culations d ) A 2 month forbearance was offered to give time to resolve the following issu es : 1. Co pies of electronically signed agreements and disclosures - none being available on the website.    2. An Amortization schedule for the current loan 3.   A clear presentation, with figures, of the available loan choices   4. A guarantee that the account will not be listed as past due because of accounting errors.
5 ) On the same day as   the above conversation, my bank e-mailed to say that the payment had been rejected b y Nelnet ( with no notice, to us, or apparently, to the Nelnet staff  ).     Background for this complaint - having  XXXX , in part to deal with my wife 's health issues, I requested an income contingent payment since my income had dropped and would continue to drop ; rising payments ever y two years would quickly become untenable.  The request was rejected until all of our loans were consolidated. After consolidating I was asked to resubmit affidavits stating my income for   XXXX   as well as income for my wife. At that point, even after having been " approved '', I could not get a firm figure over the phone for the payment amount. The story was that calculations were done by an different ( and unreachable ) department and that I would be advised when the payment was determined. I did certify that I would report income changes on a yearly basis but did not see an amortization schedule.
Product: Debt collection

On XX/XX/2019 I was contacted by First National Bank Of Omaha for the collection of a debt of {$18000.00} and on XX/XX/2019 for {$25000.00}. Both from First National Bank of Omaha. Two separete debts. After going through my paperwork, I was unable to find any contract between First National Bank Of Omaha and I. On XX/XX/2019, I requested in writting a contract with my original signature for both debts, and was unable to receive an original contract with my signature. Then on XX/XX/2019 I received letters from their Attorney. I also requested an original contract between First National Bank Of Omaha and I.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX hurricanes hit my house at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX The municipality placed a moritorium on rentals until late XXXX My house sustained damage which made it unusable. Insurance would not cover the damage and I had to pay for it out of pocket. 
I applied for a hardship with my lender Fay Servicing ; spoke with my personal representative XXXX XXXX, who informed me in late XXXX that I was granted a forbearance on the mortgage payments for XXXX months, XX/XX/XXXX, XXXX XXXX, XXXX. No payment due until XX/XX/XXXX and the payments missed would be added to the end of the mortgage ; not due at the end of the time period. He was very explicit about this. I realized I may need a little more time as damage was more extensive than previously assessed. I reached out to XXXX XXXX to inquire about my eligibility for a few more months of forbearance, he told me to reapply and send a letter of explanation which I did on XX/XX/XXXX and again on XX/XX/XXXX. I received no phone call, but a letter stating I would be granted a modification. I did not need a modification, just a few months of forbearance. My personal representative did not return my calls and I had no idea where I stood with my request. The only thing I had to go by was my Fay Servicing app which clearly showed a payment was due XX/XX/XXXX. I paid that, but in the meantime, Fay reported a XXXXmonth delinquency to the credit bureaus and my credit score dropped significantly. I have disputed this with the agencies, but am told Fay must send an update and confirm the forbearance. I finally was able to speak with a representative today, XX/XX/XXXX and was told he can not do that. He could see in the notes that a forbearance was granted but had nothing official he could send to the credit bureaus and my best course of action would be to pay the delinquent amount now. 
This is untrue and unethical. I was told via telephone that this would not affect my credit and the forbearance meant that no payment would be due, including tax and insurance escrow until it was over. The length of my mortgage would be extended, which was what I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX  Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Checking or savings account

I deposited sums with the Citibank as deposits, and when the bank requested them, it informed me that there are no data with the bank, and I provided them with all the papers that indicate these amounts
Product: Credit card or prepaid card

Requested May Covid relief on XXXX XXXX, was told on the phone it'll be apply to XXXX statement, instead Amex charged interest forXX/XX/XXXX-XX/XX/XXXX statement.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding XXXX XXXX Mishandling of Account ( Account No. XXXX ) Dear XXXX, I am writing to file a formal complaint against XXXX XXXX for mishandling my auto loan account ( Account XXXX. XXXX ) and for potential violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
Nature of the Complaint : XXXX. Delayed and Inconsistent Payment Extension Offerings : In XX/XX/year>, I was informed by a XXXX XXXX representative that I had to pay my XX/XX/year> obligation to receive an extension for XXXX and XXXX. I called back later that same day and was initially denied the extension by a XXXX representative. However, when I called again and spoke with a XXXX woman representative, she approved the extension. This inconsistency raises serious concerns about potential XXXX discrimination in how my account was handled, which may constitute a violation of 15 U.S.C. 1691e under the XXXX. 
XXXX. Confusion Regarding Extension Terms : I verbally agreed that the extension would cover XXXX and XX/XX/year>, but the letter I received later stated that the extension applied to XXXX and XXXX. On XX/XX/year>, my XXXX payment was officially XXXX  days past due ; however, that was also the same day I fulfilled my XXXX obligation, meaning I was current at that time. I could have been offered an extension on that day to avoid any further late marks on my consumer report. Instead, I was not given full transparency regarding my options and was threatened with repossession unless my payment allocated for XXXX was made that day. This misleading information not only affected my understanding of my options but also caused unnecessary damage to my credit, as my XXXX and XXXX payments were ultimately reported as late. The lack of clarity in this process is concerning and may violate 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations in the collection of debts. 
XXXX. Inconsistent and Misapplied Payments : Additionally, my XX/XX/year> payment has not been properly reflected in my account, with " no data available '' showing for that month. XXXX XXXX has not clarified whether the payment was applied to XXXX, XXXX, or XXXX, leading to further confusion about my accounts status. If XXXX XXXX failed to accurately report my payment history or mishandled my account information, this could be a violation of 15 U.S.C. 1681o, which addresses civil liability for negligent noncompliance with the FCRA. 
Requested Action : I request that the CFPB investigate XXXX XXXX  mishandling of my payment extensions, the misallocation of payments, and the potential XXXX discrimination I experienced. I would like XXXX XXXX to correct any inaccurate reporting to the credit bureaus and ensure that no further late payments are reported due to the delayed extension offer. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

I have contacted this company several times concerning validation of this debt and they only send me outlines of some debt. I sent a debt validation letter and never got the response I am looking for. This company has hurt my credit worthiness with reporting inaccurate information. I have tried several times to fix the situation but to no avail. I am hoping that you guys can help me get this matter taken care of ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX, Account name : DEPTEDXXXX  # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Account name : DPT EDXXXX # 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 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. 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: Credit reporting, credit repair services, or other personal consumer reports

I want my file to be corrected as to the letter I am attaching, there are so many errors that need to be fixed
Product: Debt collection

I am a consumer and on XX/XX/2021 I sent Victoria Secret Consumer Relations Dept a letter pursuant to 15 U.S.C 1692g asking them to send validation of alleged debts, they have been reporting, falsely & inaccurately ; but they have yet to respond. They have been violating my rights as a consumer causing damages to my credit, reputation and mental capacity by communicating inaccurate, false, and misleading information about me.

Under Penalty of Perjury, Victoria Secret is in Violation of the following : Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692g - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692e ( 8 ) - False or Misleading Representation. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 168
1a ( 4 ) - Accuracy and fairness of credit reporting. ( 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.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681a ( 2 ) - ( 2 ) Exclusions. the term consumer report does not include ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681b ( 2 ) - Permissible purposes ; 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.
Product: Money transfer, virtual currency, or money service

I was involved in a romance scam between XXXX and sent money to the person through XXXX XXXX, Western Union, XXXX XXXX  and also through XXXX  These were either done in person or through there apps. 

This is not part of the settlement that was already done through Western Union ending XX/XX/2017 and XXXX XXXX ending XX/XX/2017. These are all transactions happening after the dates, and I wanted to start a new case towards these.
Product: Credit card or prepaid card

Hello, The response I received from CitiXX/XX/XXXX does not resolve the issue that I had when I purchase a washer/dyer set from Sears. You guys are going off the the actually brick and mortar store price and the not internet price that I wanted. Again, when I applied for the account, I wanted the internet price and not the brick and mortar price. There was a technical issue when I didn't get the account number to pay online and no one would give that information to me to proceed with my internet purchase. There are phone calls that suggest this. Even the sales people in the store had no clue what I was talking about. So, after dealing with this inconvenience, I went ahead bought the the higher price merchandise for {$1800.00}. I know if a few hundred dollars difference but I'm not satisfied with this transaction. I need you guys adjust the amount I saw online back on XXXX, take my account of collections, fix the minimum amount due, fix the high balance, fix my credit reporting