23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The lease was overpaid by one month and I contacted Ford Credit to find out if I was to be reimbursed. I called both the dealership to which I returned the F-150 as well as Ford Credit on multiple occasions and was told that paperwork needed to be submitted by the dealership in order to process the lease termination. According to Ford Credit I could not be given a reimbursement for overpayment until the lease was finalized. I waited several months to receive any reimbursement. Last month I received a check from Ford Credit, minus {$75.00} for wear and tear costs. I had purchased {$3500.00} of wear and tear protection for the leased vehicle, which Ford Credit acknowledged was in my account information. However, they said that the dealership needed to sign paperwork for the wear and tear protection to be applied. Any time I speak to Ford Credit I am told I need to contact the dealership and when I speak to the dealership I am told I need to contact Ford Credit. Ford Credit does not seem capable of resolving issues or even providing useful information to the customer.
Product: Vehicle loan or lease

Nissan XXXX GA - XXXX XXXX - I would like to start out by saying, I should have paid more attention to the deal and not trusted the Salesman ( lesson learned ), but I guess I was excited about getting a new car, never will that happen again. I came into your dealership to get an oil change XX/XX/XXXX and was approached by your Salesman ( XXXX ) about getting a new car, he asked what my credit score was and I advised a 700+ ( 1st mistake ), he said we can get you a new car with a low APR, I stated as long as my car note stays the same I'm interested, I paid into the 2015 XXXX for 2years ( Nissan made money off my interest on that car ), but I'm willing to start over if the price is right. We proceeded with the sale and my car note went from $ XXXX/month 5yrs to $ XXXX/month for 6 1/2 years, I'm like ok, it went up {$50.00} for a brand new car, not thinking or doing the math, until XXXX called me to update my car, with the same Sales Pitch lower APR., I went into your dealership and test drove a 2019 XXXX XXXX Sticker Price {$35000.00} and was told my car note will be about $ XXXX/month I said No, you guys are ripping me off. I was told I have {$15000.00} in negative equity and I'm paying almost {$50000.00} for a 2017 XXXX XXXX, which is only worth {$30000.00}. I thought that by me being financed through Nissan that they took care of their customers, I was wrong. Your Employees are a brand of Nissan and I feel like I was robbed, they took advantage of me and my credit. I assumed that by having good credit that I can get what I want at a good price ( wrong again ). I take pride in having good credit and now I'm stuck paying for a car that has no value, I feel this Company took advantage of me. I will never by Nissan again. I paid over {$43000.00} ( without finance charges ) for a 2017 XXXX XXXX that had a sticker price of {$32000.00}. I have been with XXXX XXXX since XX/XX/XXXX and have never been late with a payment. Wow is all I can say.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX ( Amount : {$8900.00} - Account : unknow ) 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this happened on XX/XX/XXXX. I was on USAA online website looking at mortgage information. They said you can get " pre-qualified '' online. I looked up this term to be sure i understood correctly. " pre-qualify '' means a soft inquiry like credit cards received in the mail usually do. So i decided to see if i pre-qualify for a mortgage. As soon as i hit submit i received alerts that my credit just received a hard inquiry. I did not authorize such an inquiry. I looked at USAA online and they now said i was " pre-approved ''. I NEVER submitted for pre-approval. I attempted to contact them, more than once, and could never seem to reach someone who could directly help. They said there was nothing they could do, my credit was already pulled. I tried explaining what happened and they still claimed they were unable to do anything to fix it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible.the CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack of unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

My SSN has been compromised bank account has been open credit cards and other stuff charge offs on car loans on my credit report from XXXX, XXXX XXXX XXXX. I need everything off my credit report and consumer report. I received a email about stimulus refund and called the number and reported it a scam I gave my information now everything is going wrong
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting and Non-compliance with the FCRA Dear Sir or Madam, I am submitting this formal complaint against the credit reporting agencies TransUnion, XXXX, and XXXX as well as the listed creditors and collection agencies. Despite detailed previous disputes and complaints, responses have often been inadequate, comprising pre-written standard form letters that fail to address the specific merits of each case. Such practices are not only unacceptable but also illegal, as they violate the provisions of 15 U.S.C. 1681i, requiring that each consumer dispute be addressed individually based on its particular merits.

My communications have been consistently disregarded, and there appears to be a systemic issue with how disputes are processed, often implying an illegal delay based on the erroneous assumption that they are third-party interventions. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates that all data included in a consumer 's file be accurately documented and validated.

I demand immediate and thorough validation of the following accounts, which reflect inaccuracies and unsubstantiated derogatory information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute : Unverified late payments, request for Metro 2 compliance in reporting. 
XXXX XXXX XXXX  Account Number : XXXX Dispute : Incorrect reporting of payments, update required to reflect payments made on time. 
XXXX XXXX XXXX XXXX Account Number : XXXX Dispute : Charge-offs and late payments reported without proper documentation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Late payments inaccurately reported. 
XXXX XXXX XXXXXXXX Account Number : XXXX Dispute : Charge-off reported without substantiation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect charge-off and late payments. 
XXXX XXXX Account Number : XXXX Dispute : Charge-off and balance inaccuracies. 
XXXX XXXX XXXX XXXX  Account Numbers : XXXX, XXXX, XXXX, XXXX Dispute : Multiple discrepancies in charge-off and payment history reports. 
These accounts reflect discrepancies that can not be overlooked, including duplicate reporting, unverified late payments, and charge-offs that significantly impact my creditworthiness. The accuracy of your credit reports is crucial, and the alleged discrepancies listed do not meet federal or state requirements for reporting and can not be substantiated. 

I kindly request that you handle this matter with the utmost care and diligence. Each account mentioned requires verification and validation, including the requisite certifiable Metro 2 Compliant Reporting Format Standards and processes related. If the claims can not be validated, they must be removed immediately from my credit report. Failure to process my requests promptly will compel me to consider legal action to enforce my rights under the FCRA.

Thank you for your immediate attention to this matter. I expect a detailed response within the statutory timeframe. 

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

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want incorrect information to be deleted that does not belong to me.
Product: Payday loan, title loan, or personal loan

Todelo finance on XXXX XXXX XXXX XXXX keeps repeatedly calling my friends family and myself they have my number and have called me multiple times sometimes two times a day yet they keep calling all my references, multiple times a week they have been asked to stop some of the calls to me XXXX XXXX XXXX and XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX this is after i had already told them I did not have any money during these same times they called me they also called most of my references i have call history proof from me and some references that go back months if mutiple calls and harassment threats of garnishment if I don't pay by certain days
Product: Debt collection

XXXX XXXX with the Leviton Law Office in XXXX, Illinois called our business to collect a debt for a service we signed up for in the last calendar year. When given the information that our company cancelled the service she became hostile and threatened to have us arrested. 

1 ) XXXX XXXX never disclosed that the call was being recorded. 
2 ) XXXX XXXX never gave her name, I had to call the company directly and asked for her voicemail. 
3 ) XXXX XXXX refused to give the city/state where their offices were located. In order to attempt to collect a debt, you the collector must be in the same State as the individual/business they attempt to collect from. 
4 ) XXXX XXXX cited false collection laws. 
5 ) XXXX XXXX was hostile, shouting, and was inaudible 3/4 of the entire phone call. 
6 ) XXXX XXXX refused to provide the details on how much was owed on the collection account, and how much her " firm '' purchased the collection file for.
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously stated, i am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

DEVILLE ASSET MANAGEMENT Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. there is some inaccurate information reporting. XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT TREASURY Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i had faxed the deferment form for XXXX payment and i have confirmation of the form being received with no difficulty. When i would call initially and ask about the status of the form i was told it had been received and that it was pending to be approved. 
XXXX payment came around and XXXX ( primary ) also asked for XXXX to be deferred they said they would upload the form on the portal. We signed the form and faxed it back on XX/XX/23 again received with no problems ( i have the fax conformation page. ) At this point we had been told that XXXX had been approved and were waiting on XXXX to go through which took about XXXX business days. At this point Volkswagen XXXX reported that XXXX payment was late and i was deducted XXXX points from my credit on XX/XX/23. So i disputed and they still flagged the account as past due. They returned XXXX points from the error of the deferment on XX/XX/23. and on XX/XX/23 they deducted XXXX points again marking the account past due for XXXX. During this time XXXX and myself had called them and asked what was going on and they stated they never received XXXX 's deferment form and that they only had XXXX 's form. I explained to them that was incorrect as i was never informed of them not receiving XXXX 's form and that I had the proof they had it. They kept telling me no and that i had to send the form again. So I did, i sent it and they kept saying i was only sending XXXX 's form. The attachment included XXXX and XXXX 's deferment. For a month and half XXXX and i were getting the run around about the form not being uploaded when i had uploaded everything and did my due diligence. ( all calls are recorded when calling them ). At this point they stated they would place the forms with high sense of urgency due to them processing them in XXXX which was 2 months after XXXX and they never stated they did not have the form when i would call. 

XXXX payment came around and it was paid on XX/XX/23 which is within the 10 day grace period but Volkswagen keeps marking the account past due and on top of that adding late fees for XXXX, XXXX, & XXXX. ( late fees should be removed ) XXXX payment came around and once again it was paid on XX/XX/23 within the 10 day grace period and they are stating it is past due. 

I called XXXX again at this point and asked them for an update on the deferment forms for XXXX, XXXX as well as an update on the reporting back to the credit bureaus the correct information on the account so we could update our credit scores. 
They stated the forms were up to date and everything was correct and that the payments for XXXX and XXXX were there but that it took XXXX days to report back to the credit bureaus. I find this highly unacceptable to have to wait XXXX days as this has been on going since XXXX. When it comes down to reporting incorrect information they are not taking XXXX business day to report it. And I shouldn't have my credit on hold plus my life on pause over their negligence and wrong doing with the forms and not reporting correct information.
Product: Credit reporting or other personal consumer reports

Credit Report Discrepancies Investigation Request Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies in my credit report across all three major credit bureaus : Experian, XXXX, and XXXX. Upon reviewing my credit reports, I have identified discrepancies that require investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I believe that my credit report contains inaccuracies that may impact my creditworthiness and financial standing. These inaccuracies are significant as they [ briefly describe how these inaccuracies may have affected you, such as impacting your ability to obtain credit, causing financial harm, etc. ].

I request that the Consumer Financial Protection Bureau conduct an investigation into the inaccuracies on my credit reports. I am attaching my contact information. 

Enclosed are copies of relevant documents supporting my claim, including copies of my credit reports. Please inform me of the steps the CFPB will take to address this matter and the expected timeline for resolution. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

Mortgage company : Community Loan Servicing 1. I had my mortgage with XXXX XXXX  since I bought the house in XXXX. I applied for the forbearance due to COVID related issues. I did not pay my mortgage for about 7 months in XXXX. I started paying for my mortgage in XX/XX/XXXX and I was in the process of applying for the mortgage modification. During the process my mortgage was moved to Community Loan Servicing. I've been paying for mortgage regularly and on time as I was in the " trial '' period. The amount I paid per month was $ XXXX. I completed my trail period and made my last payment on XX/XX/XXXX. I received a load modification documents telling me that going forward I have to pay {$2400.00}. That's not the amount I agreed to or was told to pay the last XXXX months. I have 10 days to sign the documents but I'm refusing to because ( once again, that's not the amount I applied for or was told I'm going have to pay ). I contacted them multiple times and I've been on hold for about XXXX minutes and no one picks up the phone. the contact information provided on the documents is wrong ( wrong phone number and wrong e-mail address ). 

2. The Community Loan Servicing also reported me to the credit burau and my credit score dropped XXXX points. I contacted them ( once again ) and they are telling me I missed a payment, but it is not true. I've been paying on time each month, and I have my bank statement to prove it. Unfortunately, I am also in a process of buy a new car so this impacted me significantly.