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

Refinanced my car through Upstart in XXXX of 2022. Had to send my title in from previous finance company. It is now 5 months later and still no title. Reached out multiple times regarding this. Last contact was told title was released to the XXXX on XX/XX/XXXX. Titles in my state come in the mail within 7 days. Purchases a car for my son and registered in XXXX, recieived it in 7 days. I have reached out 3 more times in the past month and Upstart ignores contact without response.
Product: Credit reporting or other personal consumer reports

My account with XXXX was sold to XXXX and I have since then paid the account in full. I would like for the XXXX account to be removed from my credit report. Its currently showing as a closed account. The XXXX account number is included in the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a call from XXXX XXXX from Portfolio Recovery stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, I paid the XXXX  XXXX bill in full even though it was paid prior, I also was told after it was paid in 30days it will be delete off my credit report and it is still there. This company have over 2000 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my living. Thank you.
Product: Credit reporting or other personal consumer reports

Opportunity to Cure. I am invoicing Caine & Weiner for many violations and damages cause by them reporting negatively on my consumer report and trying to collect a debt from me when they had no rights to the debt. Caine & Weiner gave away my private information to many reporting agencies even when they didn't have rights to the debt to begin with. They have caused damage on my consumer report and financial hardship due to many denials I received due to the adding of the negative reporting 's of Caine & Weiner. Caine & Weiner did at least remove account once I made a complaint but I'm requesting the civil liabilities due to violating my federally protected consumer rights, violating the XXXX, and also causing damages and contributing to my financial hardship. I have proof of everything and I'm just asking for {$XXXX} to resolve this matter. If we can't come to fair civil liability resolution, then I fully intend on pursuing Arbitration or Litigation to resolve this issue, and I will present all the evidence I have against Caine & Weiner and will be asking for a larger amount by actually adding in every violation for months Caine & Weiner committed by giving out my private information they wasn't entitled to, to many reporting agencies. This is my XXXX time invoicing in reference to your company violating my consumer rights and causing damages and violating the XXXX. I have proof of everything and after this letter I'll send only XXXX more before filing against your company rather we have to Arbitrate or Litigate I'm fully prepared to pursue your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dispute of Late Payment - Request for Deletion Account Number : XXXX I am writing to formally dispute the late payment reported on my credit file for the account referenced above. 
According to my records and the information I have reviewed, this entry is inaccurate, and I believe it does not comply with the requirements set forth in the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 USC 1681b** , which mandates that only accurate, complete, and up-to-date information be included in credi reports. 
Under this statute, creditors and credit reporting agencies are prohibited from reporting information that is inaccurate or outdated. This inaccurate late payment has been reported on my account, and I request that you update payment history as agreed never late ( PAANL ) Details of the dispute : - The late payment entry in question appears on XX/XX/XXXX- I have always made timely payments on this account, and I can provide supporting documentation, including bank statements and payment confirmation, to verify that this was an error. 
I agent hihat you ardue thate up inestiny credit epis mater, and based on the evidence, update Please notify me of the results of your investigation within the timeframe specified by the Fair Credit Reporting Act. If you need further information or documentation to assist in resolving this matter, do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the correction or deletion of the late payment entry from my credit report. 
Sincerely, XXXX XXXX
Product: Mortgage

My wife XXXX XXXX XXXX sold, closed and funded a home which we previously owned at XXXX XXXX XXXX, XXXX, Texas XXXX. The home had been financed by Seterus Mortgage, loan number XXXX, and the loan was paid in full on that date and all proceeds paid over to us over and above the sale price to the new owners. From XXXX XXXX, XXXX to today 's date, XXXX XXXX, XXXX, Seterus has not removed the item from our credit report, showing paid in full.
Product: Credit reporting

For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

YK CR BUREAU # XXXX I'm unaware of this debt and did not have the opportunity to dispute. If you believe you provide proper notification, please certified mail with receipt with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT  LAWYER ON XX/XX/XXXX
Product: Prepaid card

I was given an American Express gift card for a total balance of {$150.00} ( card # XXXX ; CVV : XXXX ; Expiration Date : XXXX/2035 ) and have not been able to use it anywhere and keep getting declined. When I call customer service, I only get redirected to automated messages that tells me that when my transaction is declined to simply try again. 

At this point, I can not reach a resolution with AMEX customer service nor can the original purchaser, rendering my money in accessible. This is false advertising re : AMEX noting that their gift cards can be used anywhere that accepts American Express cards. I want the total {$150.00} balance of my gift card in cash or check - aka a form that I can actually use.
Product: Credit reporting or other personal consumer reports

The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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 USC 1681. 

XXXX XXXX, XXXX  XXXX, XXXX  XXXX, Sate of Mi XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

scams can likely occur doesnt. give a lot of options to refund. zelle does not look into their claim with lost funds.
Product: Checking or savings account

An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX & XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX & XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning with the fact that I never authorized this transaction.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX.
Product: Debt collection

Iam fling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments by XXXX XXXX, Account XXXX : XXXX, specifically for XX/XX/year>. I am requesting the immediate removal of these late payments from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to allocate payments and credit accounts in a timely manner, ensuring accurate and fair reporting. The late payment reported by XXXX XXXX does not reflect this principle and appears to be an error. I request that the CFPB investigate this matter to ensure compliance with this statute.

2. No Legal Requirement to Report Transactions There is no law requiring creditors to report transactions, including late payments, to credit bureaus. The reporting of such information is voluntary, and the absence of my explicit consent to report this information raises concerns about my right to privacy. 3. Violation of My Privacy Rights XXXX XXXX reporting of my private financial data, including late payments, without my explicit consent constitutes a violation of my priva
cy. I have not provided authorization for my payment history or any related transactions to be shared with third-party credit reporting agencies. Reporting this information infringes upon my privacy and causes undue harm to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Mortgage

I had filled bankruptcy in XXXX. In XXXX of XXXX I dropped off a payment at XXXX XXXX XXXX Escrow Inc office. I was followed by an employee who stated my payment was being rejected. I then asked to speak to owner of Escrow inc and asked her to explain to me why my payment was not being accepted.I asked for her to give me payment history of all the payments made by the Bankruptcy Western District Court. XXXX couldn't give me an answer I demanded a print out and instead I got a Sticky note with made up figures. At one point she looked at her computer and could not provide me with a payment history. In fact she stated that because of the bankruptcy she demanded all payments in full. I explained I had lost my job in XXXX of XXXX and i was doing everything in my power making all payments even without a job. I'm exhausted mentally and its affecting my health. I have made an appointment to meet with the bankruptcy attorney. 
Demand letters are now in my possession with amounts that are unreal. I truly believe Escrow Inc XXXX had retaliated against me because I did NOT rent my house to her daughter that was going to be stationed in XXXX XXXX with her family. I responded to her if i ever did i would have to lease it for a higher amount than my mortgage payment. XXXX responded XXXX is better than nothing and you can come up with the rest. I would take it in a heart beat was her response.I didn't respond. She knew I was struggling to make payments. 
Obviously she uses her business to her advantage I have made all attempts to pay and she had mailed back all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to place a credit freeze on my account with Experian. I have attempted this at least four times over the past week, from XXXX XXXX to XXXX, XXXX. 

Although I successfully put in place freezes on the other two credit services, Experian says they are not able to verify my identity and thus can not put in place a credit freeze. I provided the exact same information as I did with other account. Indeed, I was able to open an account on Experian using this same information and gain access to the free credit report. Since doing this I have received non-stop promotional messages for their services. The credit freeze option, however, can not be done from within the account, and must be done via this separate link : https : //www.experian.comXXXX This is a clear attempt from the company to stop consumers from adding a credit freeze and to divert their focus on other products that require monthly payments. I demand that Experian alter this deceptive practice ( and the government forces them to do so ) and make it possible to establish a security freeze directly within a client account immediately.