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

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( DPT ED/AIDV - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( DPT ED/AIDV - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 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. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting

XXXX XXXX had a policy on my car that would pay in the event of total loss, I had insurance with XXXX, my car was in an accident when a herd of deer ran across the road in front of me, I only made contact with one and it bent the frame of my car the cars value was {$11000.00} at the time of the accident, my bill was from XXXX for an initial amount of {$5600.00} to repair then the adjuster found more damage and wrote another check to repair shop for {$1100.00} more dollars and the car still pulled to the left, asked the adjuster why was n't it totaled, he said he had already totaled XXXX cars that day he would n't do another. the car wore out tires and pulled and made noises asked XXXX to tota it they said no, so I told them to come and get the car, to dangerous to drive, they then sold it for {$3000.00} and told me I owed them the balance of {$13000.00} .The company I bought my new car from called them while going through loan process and asked them why did n't they total it, they said have to take that up with someone else, and I still owed the original price of the car {$13000.00} after 2 years of payments of {$350.00} a month and are still trying to get me to come get another car for same payments
Product: Debt collection

This is not my account, i have never recieved a letter or notification from this company about this debt, it appears to be an apartment complex, I've lived with my parents my entire life! I've never and i mean never lived here. Im asking for an immediate removal of this account from my credit report, being a victim of identity theft has been very traumatic... i just want to go on with my life.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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, credit repair services, or other personal consumer reports

I RECENTLY CHECKED MY TRANSUION CREDIT REPORT AND SAW AN UNAUTHORIZED INQUIRY FROM XXXX XXXX ON XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing and evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. s 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( A ) ( 1 ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2020 ) I have attempted to apply for a student loan from XXXX XXXX loans with a cosigner. They rejected my application due to unspecified credit reasons by Equifax. Subsequently I tried contacting the customer service number to Equifax provided to me. I have called the customer service number multiples times to reach an agent. However, despite having answered all of the identity confirmation questions, and calling during the proper times, they have refused to allow me to speak with an agent. They make it extremely difficult to contact support outside of automated responses and will not give me more information as to why I can not apply to loans with a cosigner. I'm at a loss as to what to do. I'm a low income college student at risk of dropping out because of the amount of stress I've been going through trying to finance my education. Equifax has left me with a bitter taste by not being available and helpful to me in this time of need.
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX of fraud on my account They sent me a copy of my credit report so I can confirm any suspicious activity. Several accounts that was not open by me. Are on my credit 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 these are all fraudulent accounts on my credit report there are Wisconsin addresses on my credit report, even though Ive never lived or had an address in Wisconsin ive also reached out to these companies and none can provide documentation showing my signature. Also, I spoke with Peoples Credit informed them that the account was fraudulent so they had the vehicle repossessed, which is hurting me even more because they didnt remove it from my report.Once I found out about it I didn't contacted XXXX as well as XXXX XXXX to make sure that the information wasn't on both reports as well and I found out that they are I have disputed this information directly with credit bureau XXXX also filed an FTC report as well as contact the local police department this fraudulent and unverified information is causing harm to my credit report I have contacted a lawyer in order to seek damages due to these bureaus adding the information without properly verifying that it was correct and not fraudulent My attorney has informed me to give these companies 30 days to rectify the situation before taking legal action and as they are in violation of the FCRA
Product: Credit card

Our business used Chase Business services. Unfortunately, our business failed. But, in the interest of being good people, we decided to pay off all debts. Our credit card had a balance of XXXX XXXX. Our Checking had a balance of XXXX XXXX. So, the XXXX of us all chipped in {$850.00} each and paid off the credit card well before the interest was due. This was done, in person, at a Chase banking center. After all debts were paid and all accounts were closed, we got a bill another month later stating we owed {$46.00} in interest. 

Every other credit card that the XXXX of us has ever had has never charged us interest in this way. They say it's standard. Well, if this is their standard, I recommend not doing business with them.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelles handling of 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer policy.
Product: Credit card

Open Venmo app. Credit card says " auto pay on '' with a huge icon in the middle of the screen. Then I get texts telling me payment is late. I open the app. Huge icon still says " auto pay on ''. Immediately pay manually anyway, because something is not syncing on their end and displaying wrong information to me. 

In short, app indicated autopay was on in the home screen. No notifications of any payment problems until already " late ''. XXXX was not " late '' because I randomly happened to be logged in to Venmo for other reasons, and went ahead and submitted one manually. Have not found time until today to contact them and tell them of the disconnect. The home screen should not say " auto pay '' is on, when it is not. I called them, and talked to 2 people, and none of them say they have any ability to remove the sneaky XXXX fee, or anything else more complex like penalty interest rates or the like. Further as the images show, it tells me " my payment of {$0.00} will post on XX/XX/XXXX '', which makes absolutely no sense. I feel like I am being taken advantage of whether it is intentional or just a broken computer system - and can't talk to anyone who isn't being wholly guided by a rigid computer system that has the ability to understand the problem.
Product: Vehicle loan or lease

THE COMPANYS RESPONSE DID NOT ADDRESS ALL OF MY ISSUES!!! 

The late fees and my balance is still incorrect. Leaders Opened my car loan on XXXX XXXX for $ XXXX.and I had a {$5000.00} down payment as well. That loan amount of {$10000.00} is also listed on my credit report. I have made my payments of {$390.00} as per my contract on time for 27 payments. My credit report states this information of on time payments. Therefore my loan balance should be paid. The 27 payments total is@XXXX. Please Advise, Please forward this information to the company as well... 

loan company : Leaders Finance company XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion are all in violation of the FCRA. Every negative item on my credit reports is fraud.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXXeinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXXXXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX
Product: Student loan

I would like to file a school misconduct charge related to the XXXX XXXX  for Navient private student loans. The private loan I have with Navient is for an in-semester tuition hike that was charged by XXXX when I was attending school there in XXXX. XXXX has a long history of terrible business practices and they misled me on how much my XXXX XXXX XXXX would be worth, how they would help me find a job, their job placement rates, etc. I have filed a Borrower Defense case against this school and been approved, which included discharge of my federal student loans. My private loans should be discharged as well, especially because it is particularly predatory to raise tuition mid-semester, knowing that the only funding option is a private loan at a higher interest rate. The original amount of the loan was {$5500.00}. I have been paying it for almost 20 years and the current balance is still {$1200.00}. In that time I have filed for bankruptcy, been forced many times to go into default, at which time Navient aggressively sought payment using harassing phone calls, even when I explained my dire financial situation. I have made a total of {$16000.00} in payments for that original {$5500.00} loan. Both XXXX and Navient are incredibly predatory.
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 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  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 sent a letter to Equifax requesting removal of a fraud alert with copies of documents requested attached. I received a letter back from them dated XX/XX/2019 stating " we are unable to locate a credit file in our database with the identification information provided ''. This was a second request and a second same response from them. I also tried calling them and was told over the phone what documents to send in ( which I had already done ) .I then went online, requested a copy of my credit report, which I printed and did a dispute over having the fraud alert removed. This was done on XX/XX/2019. Today,XXXX I receive an email from them saying the dispute was completed and to click to view the results.It said " the information you provided does not match our records '' .I contacted both XXXX and XXXX and had no problem removing the fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perfection Collection, also notated as XXXX was deleted from my XXXX report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

Perfection Collection has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which Perfection Collection was and is in violation.
Product: Credit card or prepaid card

XX/XX/2023 at XXXX, I called Genesis FS Card Services to close this account that I never signed up for. Before even talking to an agent, I was asked for my last 4 digits of my Social Security number, when I said I would like to talk to an agent I was asked for all 9 digits of my social security. When I finally got on the phone with an agent, I refused to give them personal information and was put on hold and eventually hung up on.
Product: Credit reporting or other personal consumer reports

It was a shock to see wrong accounts suddenly appear on my credit report XXXX, and I have no explanation for it. I checked my credit report, as I regularly do, and was XXXX  by these discrepancies. I even refreshed the browser, hoping it was just a technical glitch, but the inaccurate accounts stayed. This issue is causing me a lot of XXXX, so I'm urging a thorough check of the documents I provided, so I can finally feel at ease.
Product: Mortgage

Shellpoint falsified to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX that I did not qualify for a covid modification because my loan was more than 60 days past due on XX/XX/XXXX. 


I spoke to XXXX XXXX and the representative said that this means 2 payments. I was not more than two payments delinquent on XX/XX/XXXX. Yet, Shellpoint is playing games with my payment history and the confusion about 30 days translating into one payment. 

Background only on how we got here.-I successfully completed a trial modification that Shellpoint withdrew for unethical reasons because I paid the amount on their statements that differed with the offer letter. Then, Shellpoint falsified to XXXX XXXX that I did not make all three trial payments. Shellpoint was supposed to have sent me an approval letter on XX/XX/XXXX according to my single point of contact XXXX XXXX. But, he said his superiors, in which XXXX XXXX is his supervisor, overruled him and asked for another trial modification. Shellpoint claimed it was what XXXX XXXX approved, but XXXX XXXX said the decision as 99 % Shellpoints and XXXX XXXX had not been given the facts favorable to me. But, Shellpoint has mischaricterized what happened as though I failed to comply with the terms of the modification when in fact Shellpoint sent me different modification amounts on my official monthly statements, which I paid. I asked for clarification and Shellpoint refused to provide it. - End Background
Product: Credit reporting or other personal consumer reports

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Equifax credit bureau has failed to take appropriate action and continues to report them. 
I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX of XXXX  I reached out to Mohela in order to understand why my autopayments were not being processed, as they should be. 

I was told the reason that my autopayments were not being processed was because I was placed into " future payment '' meaning that I had paid enough to not pay for future months. However it was only for XXXX of my loans, and it was still hindering the rest of the loans from being paid via autopayment. 

I requested written documentation of the error at hand and was told that Mohela does not provide written feedback. 

This is a huge inconvenience, and I am starting to worry that they are not correctly billing me, causing me to pay more in incurred interest.