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

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are XXXX my XXXX and XXXX my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization 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 XXXXXX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to notify you of an urgent situation related to the financing granted for the XX/XX/XXXX performed on XX/XX/year>, at XXXX XXXX XXXX. During the process, I was approved for two loans : one for {$8000.00} and another for {$3900.00}. However, only a total of {$9400.00} was used for the XXXX, while {$2500.00} was deducted, which was placed as a debt to Affirm. 
Consequently, {$8000.00} from the first loan and {$1400.00} from the second loan were used. This situation has resulted in an incorrect application of the financing, which has affected my financial capacity. It is important to highlight that the initial financing was agreed upon for 24 months, but it was ultimately set for 12 months, which has worsened the situation. I request that the necessary adjustments be made to the loan terms, both in the repayment period and the amounts, and that the amounts reflected in contracts XXXXXX/XX/1151, and invoicesXX/XX/3528, which justify the {$9400.00} used, be recognized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 someone tried to steal my identity by opening up a credit card with XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX  XXXX ran a hard inquiry XXXX and XXXXXXXX XXXX XXXX  has since been removed from my credit report. Transunion and XXXX  are refusing to remove the XXXX XXXX hard inquiry. I have a letter from XXXX XXXX stating that Transunion and XXXX are to remove that hard inquiry because it consisted of fraud. Thank you. 
XXXX XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Re : Westlake Financial Thank you for taking the time to read this letter, and I hope your day is going well .Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my Westlake Financial account # XXXX. 
I called for an extension agreement deferred payment on XX/XX/XXXX for my account confirmation # XXXX I made a payment of {$210.00} instead of the normal {$50.00} payment to defer a monthly payment. I will include proof of confirmation emails from prior arrangements along with this letter to help my case. I was told if the system reports it late and its not processed in time Westlake will have no problem removing the error. 
I called for a deferred payment on XX/XX/XXXX for my account confirmation # XXXX $ XXXX XX/XX/XXXX payment {$190.00} confirmation XXXX and another payment on XX/XX/XXXX {$180.00} confirmation XXXX, for a total of {$580.00} received before 30 days. 


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

I refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. XXXX XXXX was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal laws and my rights as a consumer.
Product: Debt collection

During the month of XX/XX/XXXX, I reached out to XXXX XXXX regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX  sold this debt to XXXX. XXXX informed me the debt was now being managed by Solomon and Solomon on behalf of XXXX. Once paid, Solomon and Solomon would process the payment, then contact XXXX to update the credit agencies to remove the negative item from my report. 

We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from Solomon & Solomon attached, dated XXXX. I made the payment online at www.solomonpayments.com on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both XXXX and Solomon who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. 

Just recently, I received a letter from XXXX XXXX XXXX stating they were now managing the account for XXXX XXXX XXXX. Please see the attached letter. 
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. 

Thank you, XXXX XXXX
Product: Debt collection

The collection company sent a collection writ of garnishment and on XX/XX/XXXX, I was notified of garnishment issued was " Dissolved ''. As certificate of service, on XX/XX/XXXX was sent to me and to `` County Court of the Eleventh Judicial Circuit of the County. Signed by the person responsible of the case in the Collection company. 
In a second opportunity same case number, same situation, same result, " dissolved ''. 
in XX/XX/XXXX, XXXX and certificated on XX/XX/XXXX, XXXX signed for a different person than the first time. 
Twice Certified as case " DIssolved ''.
Product: Credit reporting or other personal consumer reports

This complaint is to express my deep concern regarding a breach of my privacy rights under the Privacy Act of XXXX  by Navy Federal Credit Union and its subsidiary, XXXX XXXX XXXX XXXX XXXX. 

Upon thorough examination of my transactional information, I discovered that Navy Federal Credit Union had shared such information with XXXX XXXX XXXX XXXX, a data broker, without my explicit authorization. It is crucial to note that XXXX XXXX XXXX XXXX. is not listed as an affiliate of Navy Federal Credit Union, as outlined in your disclosure agreement. 

While I understand that there are circumstances under which account information may be disclosed to third parties, including verification purposes and compliance with government regulations, it is baffling to me why a data broker like XXXX XXXX XXXX XXXX. would have access to my account details. This action raises serious concerns about the protection of my sensitive financial information. 

Enclosed with this letter is my proof of claim, which includes the XXXX XXXX XXXX report highlighting the unauthorized sharing of my transactional information. 

Therefore, I am formally invoking my federal right to opt-out of the sharing of my transactional information with XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I kindly request an explanation regarding the rationale behind sharing my account information with XXXX XXXX XXXX XXXX, and I urge you to take immediate action to rectify this privacy violation. It is imperative that Navy Federal Credit Union and its subsidiaries uphold their commitment to safeguarding customer privacy and adhere strictly to the terms outlined in the disclosure agreement. 

I expect prompt acknowledgment of this complaint and a written confirmation once my opt-out request has been processed.
Product: Student loan

I was on a payment plan that was dependent on me making my monthly payments on time. If I missed even XXXX payment, my payment plan would no longer be valid and I would have to pay about 5 times as much per month, which obviously I can not afford. I was set up on automatic payments so that I would never miss a payment. However, every XXXX4 months, my auto payment suddenly would n't go through and I would contact the lender Immediatly and they would tell me since I was late on my payment, my plan was no longer valid, and as a result they tacked on so many penalty fees. I would then beg and plea and get back on the payment plan, but they would never waive the penalty fees. My loan has basically more than doubled because of these penalty fees that were not my fault. I am currently out of work, trying to get XXXX, and I have a newborn. My husband is self employed and we live paycheck to paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeat requests to have information corrected and has not been updated by Experian. There are addresses on my report that I have never been associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX and 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 an account without my written instructions.
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 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 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 was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
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 XXXX XXXX XXXX
Product: Credit card

We were notified in a letter from U.S. Bank that a credit card issued to my wife had expired. Neither my wife nor I applied for that credit card, which I was told by a U.S. Bank representative, was opened in XXXX. I am shown in U.S. Bank records as an authorized user of the account, but it is my wife 's name. She has never applied for a credit card solely in her name since we married almost 35 years ago. 

We do have an existing credit card with U.S. Bank, which we think was first opened in XXXX, that is a different number than the XXXX identified in the letter.
Product: Debt collection

I have contacted this company on multiple occasions informing them that I need verification of the debt or have it removed off of my credit. The item was removed as they were unable to verify the debt with me or the major credit bureaus. They then readded the debt back on after a few months. I've recently contacted them as of XX/XX/2019 in an effort to have the debt removed once again for failure to verify the debt. I sent a certified letter to the company 45 days ago and another one on XX/XX/2019 after not receiving proper verification from the company once again. I have attached a template of the letter 1 that was sent and as of recent letter 2 that was sent for the company to verify.
Product: Money transfer, virtual currency, or money service

My name XXXX XXXX XXXX I use paypal to get money from a car sale which my first time using this and they lett me setup an account just fine so i sale a car through XXXX the guy pays with paypal  then drives from north Carolina to tennesse to pick up car then when he arrives back home he makes a claim to paypal  and XXXX he never recived the car which he did pick up so they take the money back then he loses the claim and they put money back to my paypal but pay pal   says I'm risk so they close my account and now wont let my hold off my account I have XXXX kids I need my money I deserve the guy has my car I need help
Product: Credit card or prepaid card

I bought a jade pendant on the last day of a recent trip to XXXX using my Capital One XXXX card. 5 days later I contacted the XXXX store from the US wanting to return it. I felt the merchant won't cooperate so I wrote a long letter to Capital One explaining all my reasons for the return and my concerns. On XX/XX/XXXX, a lady of Capital One called me telling me to mail the pendant to XXXX and she issued me the credit. She said as long as the tracking shows it passed through the US custom, it'll be up to the merchant to prove they didn't receive it. So I spent the international postage, then wrote another long letter with the tracking #, photos of package etc. to Capital One. On XX/XX/XXXX, the merchant called saying that they received the package and need my credit card slip. I emailed photo of the slip to them right away. On XX/XX/XXXX, Capital One called me saying they reinstated the charge because the USPS tracking stops after the package left US. They need me to give them the proof that merchant received it. I was on the phone with Capital One for more than an hour, explaining that the merchant must have received it because they can only get my phone # from the package. I can show them my phone record of they called me and my email to them, but since they are not replying me I have no other way to prove it. I only mailed out the package per Capital One 's instruction. I spent so much time writing and sending them all the document I have. They made me incur all the mailing cost. I can't make up a XXXX phone call to myself. I can't make USPS track more for me. How can they ask me to prove the unprovable thing from my side after they told me it'd be up to the merchant to prove?! Capital One promised consumer protection. I did all I could in good faith. But they are not keeping up theirs.
Product: Credit reporting or other personal consumer reports

My account was charged an erroneous overdraft fee that caused a negative balance. The fee that caused the negative balance was reversed but the resulting negative balance fees were not and account was reported to collections Bank can not charge me negative balance fees or other fees related to their error I called and requested info and never received a response. 

Phone call was recorded
Product: Credit reporting or other personal consumer reports

I believe that as a consumer reporting agency the credit bureaus should respect our privacy rights because as is Experian, XXXX and XXXX are credit bureaus and i am the consumer. i think i should have the right to make sure my private information is not being shared with any other third party or affiliates that i the consumer did not give my written consent and this is back by the law 15 USC 6801 which says " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer non public personal information. and the last time i checked i am the customer to the bureaus. these are the laws that back me 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 section 604 a section 2, 12 CFR section 1016.7, 15 USC1681 ( e ) ( b ) and the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all of the following debt In accordance with the fair Credit Reporting act XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX was added with no account number I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is listed as 120 days past due when it is current under the new service provider XXXX. I have disputed amount and is still reporting incorrectly.
Product: Credit reporting or other personal consumer reports

So I was approved for a lease ( Loan ) with XXXX XXXX in XXXX Massachusetts for a XXXX XXXX XXXX XXXX I signed a agreement for 4 years {$350.00} dollars a month and I have been contacting the finance company for the past 3 years email and by telephone from time to time about reporting the information so it reflects on my credit score I have never missed a payment or been late or even had my car reposed I think it's only fair that as a first time car buyer that you at least do the right thing update my credit file with the information you have so it shows that I am a worthy buyer for when I need another car but the last time I spoke with XXXX was through email and this was 2 years ago and they told me the computers and system are upgrading and the IT guy is working on transferring everyone 's accounts over to the credit agencies and it should take a couple months well another year went by and its now been 3 years and still nothing and I spoke to XXXX earlier this month about it and she stated the lady who was suppose to do it is in a meeting so I emailed XXXX later that day and asked how come they didn't upload the documents and see if they could redo it again if that wasn't a hassle and nobody has yet to respond back yet. 

Please inform the credit bureaus of my ontime payment history with you guys please!
Product: Credit card or prepaid card

My Bank of America Travel Rewards Credit Card is set up to automatically pay the full due amount every month. It deducted the amount fine last month but apparently did not deduct the amount due this month on XXXX XXXX,2017. Because of this, I have been trying to call BofA to both pay the bill and to get the late fees removed. I should not have to pay late fees because the bank failed to process payment even though it is set up automatically to do so. Bank of America has one of the worst online banking websites I have ever used. I just want to add that. I have been calling and using chat to try and get these issues resolved. I have to say Bank of America has some of the most ineffective customer service personnel as well. I have finally had to resort to using CFPB complaint form as a way to get heard and to hopefully resolve this!