23daVinci/CFPB_Complaints huggingface dataset:
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 customers, right to privacy and confidentially 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 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I currently have an open account with Conn 's furniture. My payments are due on the XXXX of each month and when I do n't make my payment on that day, calls start coming in starting at XXXX to XXXX every hour on my cell phone and my home phone which is very annoying. I try explaining to them when I will be making my payment which usually has to coincide with my paydays but never accepting any explanation only if I provide a post dated check with them which I 'm very uncomfortable in doing. I have contacted the XXXX in the past but they just told me attempt was made but no response from the company. What can I do to stop the harassment and I pay my bill every month with just that I ca n't always make on that day sometimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a Speedy Cash in 2011 and defaulted on partial loan Speedy Cash sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
Product: Debt collection

I spoke to a company that is reporting inaccurate information on my credit report they advised me that they dont have a email or a process in place as far as time frame for the inaccurate information to be removed from my credit report. They advised the service was rendered on the XXXX of XXXX and this is ruined my credit by 30 points with no end on site. I want the company to remove the inaccurate information from my credit report immediately. I would want paperwork to be provided of the service rendered as well as the debt amount showing that it has not been paid or is owed.
Product: Debt collection

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I do not recall any of these accounts. I need this problem fixed asap. I demand these accounts to be deleted immediately or I file litigation due to the stress you caused me. Section 611 ( a ) it is plainly stated a failure to investigate these items 30 days gives a reason to immediately remove those items from my credit report. I have a attached a cease and desist demanding them the items needed to validate till then those items have been brought about I will need this account to be deleted immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

Hello CFPB, I attended The AI of Colorado, which recently came to a settlement of misleading students in the XXXX XXXX XXXXXXXX ( formally XXXX XXXX XXXX ) case. 

When I attended XXXX XXXX XXXX XXXX, I, among many other students, had been given false information about employment partnerships, salaries and placements. With those marketing tactics I was driven to obtain Federal loans to attend XXXXXXXX XXXX XXXX XXXX. Tuition became so expensive that I ran out of Federal Funding and was required to obtain private student loans at a variable interest rate in order to complete my XXXX program. I was given the same XXXX grace period post-graduation to where my loans would not become in an active repayment status or adjust to XXXX. 

However, mid-way through my XXXX journey I became ill and was forced to take a XXXX medical leave. I was diagnosed with XXXX XXXX and had to have my left XXXX removed. During this time away from school my private loans were switched to an active repayment status and started to bill payments. As well as adjust to XXXX. During my recovery I was unable to work. When I was cleared to return to school I was ordered to only work part-time. 

Once I discovered that I was being billed for my private loans I reached out to my servicer, American Education Services, to discuss my situation. I offered to provide medical documents to prove my situation and to get AES to contact the lender to discuss reverting my private loans back to a no-payment status. This was unsuccessful. 

The original principal balance of this loan was approximately {$25000.00} set to a variable rate of 6.5 %, with an approximate margin of 2 % above XXXX. Since I was unable to make full payments, I continued to be placed into a forbearance period. These were the only options provided to me and were done without consultation or investigation to my situation. Over the years I eventually graduated and was unable to land any job in my field of study. In turn, jobs I could obtain were not anywhere near the income needed to support the payments of both private and federal loans ( totaling {$110000.00} ). 

As time moved on my private loan interest rate shot to 13 % and because of my hard work a dedication to repairing a diminished credit score ( due to missed payments from these loans ) I was finally able to refinance my private loan away from AES. This loan was finally refinanced at XXXX XXXX XXXX XXXXXXXX at a XXXX principal balance of {$54000.00}. My private loan was dragged through so many forbearance programs, capitalizing interest, and rate changes that my principal balance doubled the original borrowed amount. 

My complaint is it is absurd that any loan affiliated with The XXXX XXXX XXXX should be active. Private or not, the for-profit school took advantage of thousands of students by capitalizing off false claims. I am hoping to see that the route of private loans falls the same course of Federal Loans. 

I thank you for your time. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. 
Late Close : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I did not authorize these accounts. I have made a report with IDtheft.gov about these accounts. Attached to this complaint is my report.
Product: Payday loan

On XXXX XXXX, 2015 XXXX from Advance America called my job and left a message at around XXXX. I returned his call, from my personal cell phone, at XXXX to inform him that calling me at my employer is no longer acceptable. He said he understands. 

On XXXX XXXX, 2015 at XXXX XXXX from Advance America called my job, this time I answered. I told him that I can not speak about this over the phone. I returned his call at XXXX from my personal cell phone and reminded him that it is no acceptable to call my job phone. He said that he was never told that. 

Today, XXXX XXXX, 2015 I will be sending a letter explicitly stating that my job can not be contacted about this loan. I do not have a personal work phone ; it is shared by many people. I will include the above scenario for his understanding.
Product: Debt collection

I am formally notifying your company that if the appropriate steps to rectify the inaccuracies on my credit report are not taken immediately, you will be in violation of federal law. Upon contacting the banks, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb. You are required by law to respond to me within 15 ( FIFTEEN ) days, and failure to do so will result in serious consequences, including potential fines of up to {$1000.00}. Upon con Please provide me with detailed procedures taken when obtaining the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have some authorized inquiries on my credit report. I have attached supporting documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Nv XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX  XXXX XXXX  Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

Dovenmuehle mortgage paid my XXXX Property tax after I paid it. This has always been non escrow account. They mailed check on XX/XX/XXXX without notifying me they were doing this. 
They have been playing me along trying to get their refund back from XXXX Tax dept. each time I call with exact procedure for their refund they say they spoke to someone at XXXX tax & their refund would be 2 weeks. It is now almost a month no refund because they did not follow the procedure & not speaking to the person in charge. They want me to a ) pay them the thousands $ $ & they will eventually refund me when they receive their $ or b ) pay my mortgage plus over {$2000.00} each month to pay them back. 
Help. Never missed a payment in 21 yrs.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

CFPB + Transunion, The companies below have many inaccuracies on my Transunion credit report : - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter I am looking to have these credit accounts removed from my Transunion credit report for many blatant inaccuracies they refuse to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  Amount : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. 



Sincerely,
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, XXXX the Deletion of this item from my credit file. I am attaching a notice of deletion from XXXX.
Product: Credit reporting or other personal consumer reports

I previously disputed the accuracy of the account XXXX XXXX XXXX with Equifax and XXXX, citing discrepancies and a lack of proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my request, I have not received a detailed description of the verification process, as required by 15 U.S.C. 1681i ( a ) ( 7 ), nor has the account been removed. 

Additionally, this account was already deleted by XXXX, which demonstrates that the information is inaccurate and unverifiable. Equifax and XXXX have failed to correct this inconsistency, violating 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted. Since neither bureau has provided sufficient verification, the continued reporting of this account constitutes a clear violation of federal law.

This failure to investigate and correct inaccuracies has caused harm to my credit profile and financial standing, and I seek immediate resolution.
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 Equifax 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax 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 : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of XXXX and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Vehicle loan or lease

Re : XXXX Erroneous Notices of Delinquency from CarMax Auto Finance XXXX ; XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Although the monthly installment for my loan with CarMax Auto Finance is regularly paid each and every month, I have received four Notices of Delinquency from CarMax in the last XXXX XXXX In the XXXX instances of Carmax  sending these notices prior to the current one, CarMax eventually came to agree that the notices were in error and CarMax retracted their demand for payment of late charges indicated in the notices. Note : I acted to correct the current erroneous notice yesterday and, at this time, have no response from CarMax regarding it. 
To correct these erroneous notices, I have had to call my investment advisor who has had to call his financial service provider and request them to find the cancelled checks and fax a copy of them to Carmax. ( Please be aware that I did not receive a copy of the cancelled checks that the XXXX XXXX XXXX sent to CarMax. ) All this calling, finding and faxing is a waste of time for everyone involved. Consequently, CarMaxs erroneous Notices of Delinquency are acts of harassment by CarMax. This harassment is due to CarMaxs incompetence and failure to rectify their faulty accounting procedures. I also suspect that people who dont keep careful record of their payments could become the victim of overpayment to CarMax due to similar erroneous Notices of Delinquency. 
I am including the following documents as evidence of CarMaxs XXXX : Letters from XXXX Advisor Services and XXXX XXXX XXXX which indicate that the particular monthly installment payments which are the subject of the Notices of Delinquency were made to CarMax on my behalf. 
These letters are Dated : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Notices of Delinquency from CarMax Auto Finance dated as indicated at the head of this letter. 
Current Account Letter from CarMax Auto Finance dated XX/XX/XXXX which indicates that CarMaxs Notice of Delinquency dated XX/XX/XXXX was in error. 
Account Payment History from CarMax Auto Finance dated XX/XX/XXXX which indicates that the XXXX Notices of Delinquency dated XX/XX/XXXX and XX/XX/XXXX were in error. Note that, with this record, CarMax acknowledges they cashed the checks sent for payment of my installment prior to their issuing of their Notices of Delinquency.