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

I am filing a formal complaint against XXXX for failing to conduct reasonable investigations of disputes I submitted regarding inaccuracies in my credit report. Despite providing documentation to support my claims, XXXX consistently responds within XXXX hours, asserting the account 's accuracy without presenting any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's recent administrative proceeding against them ( File No. XXXX ) for similar violations. 

I request that the Consumer Financial Protection Bureau take immediate action to ensure XXXX complies with federal law and provides consumers with clear evidence of proper investigations into credit report disputes. 

Thank you for your attention to this matter. 

I would like the following names, addresses, accounts, and inquiries removed : I would like the following names, addresses, accounts, and inquiries removed :
Product: Student loan

My credit report is showing XXXX individual student loans dating back to XXXX when I first started college. All of the loans have been consolidated into XXXX big loan and deferred because I 'm currently in XXXX XXXX, I can also see the consolidated loan on my credit report. Should n't those XXXX individual loans have come off my credit report. Now it looks like I have double the amount of loan debt and on top of that the XXXX loans are showing delinquent in payments even though they have always been deferred til XXXX. I tried complaining to navient them showing delinquent but they claimed there was nothing they could do.
Product: Mortgage

Our loan was sold to Lakeview Loan Servicing LLC within the last year or so. In that time they have claimed that we are behind on payments.

Most recently ( right now ) they claim we are two months in arrears however the holding company has provided a history that shows all payments have been made. We get reminders that electronic statements are available by email but not if there might be an issue. We check periodically but did not check recently because everything has appeared to be proceeding normally. 

Out of the blue, I get a credit alert that the company has reported that we are delinquent. When I looked at their site, they indicate that we are XXXX months in arrears. I have sent emails along with information from the holding company yet no response. 

We need them to correct their records and fix the credit report. 

Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I contacted Moneylion via certified letter, rec 'd XX/XX/2021 and followed up with an email to XXXX XXXX, XXXX XXXX, on XX/XX/2021 requesting copies of applications and other business records relating to accounts that resulted from the theft of my identity. I have NOT received said information nor a response to either communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard credit inquiries appeared on my credit reports XXXX XXXX, after I considered purchasing a car with XXXX auto ( XXXX XXXX ). I've attempted to have these addressed by the credit reporting companies however I am consistent receiving messages such as " we are having problems with our system at the moment, '' or specifically with XXXX, that I must contact each and every single loan company one by one. This has already been a 12 hour day getting past all three reporting companies. They'vemade this so difficult that it is more sensible to simply report them all to the authorities. 

I was promised that there would only be one credit request inquiry and instead there were over 8 hard inquiries! The despicable part of it was, not all the hard inquiries appear from all credit reporting agencies. Some appear with one credit reporting company while other inquiries only appear with another reporting company. They include however are not limited to : 1. XXXX  XXXX, XXXX, inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX 2. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXXXXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX 4. XXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 5. XXXX  XXXX XXXXXXXX  - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 6. XXXX XXXXXXXX XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX 7. XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX 8. XXXX/XXXX XXXX - inquiry on XX/XX/2021. 
Location : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Vehicle loan or lease

Consumer complaint : Credit acceptance has acquired full rights title interest on a vehicle that I've purchased. They're operating fraudulently and they know it. 
Facts : On or about XX/XX/XXXX I purchased a vehicle from credit acceptance. I've entered into this contract without full disclosure. Credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of { {$1600.00} } was needed in order for me to drive off the lot. Credit acceptance, failed to clearly and conspicuously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finance charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with Credit acceptance, which was sent via certified mail with return receipt. Credit acceptance is knowingly damaging my reputation thus, has caused me extreme emotional distress and placed me in a state of poverty, fear, and uncertainty of the financing system. I have wanted to buy a home but I am unable due to the negligence of Credit Acceptance and their reporting 's on my consumer report, which I have never given written consent for them to do so. 

Credit Acceptance has been deceptive in their dealings. Under Law they are required to report any and all indebtedness exceeding {$600.00} and issue a 1099C. On or about 12/11/2022, I contacted the IRS to ensure my 1099C was issued. No such form existed for me. Under U.S Code 26 CFR 1.6050P-1 ( i ) and the reference guide used that describes the detail of the 1099c : A. ( Bankruptcy ) B. ( Other Judicial Debt Relief ) C. ( Statute of Limitation or Expiration of Deficiency ) D. ( Foreclosure Election ) E. ( Debt Relief From Probate or Similar Proceeding ) F. ( By Agreement ) G. ( Decision or Policy to discontinue Collection ) triggered the issuance of a 1099C.

Credit acceptance has violated the TILA act and taken advantage of me is an understatement. They have caused great harm and grief to me and taken advantage of the law. Credit Acceptance has also failed to provide the original contract in its entirety.
Product: Debt collection

This is an old debt from the military. Since XX/XX/XXXX and I had filed bankruptcy in XXXX XXXX. They are still reporting negatively on my credit report. I really need help to remove them for good. This debt is really old. The creditor is Pioneer Military Loans from XXXX. They know the debt is old but they keep refreshing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Credit card

Fair Credit Reporting Act, Section 609 I am requesting information regarding items that is listed on my consumer credit report. I am entitled to see all the source of the information, which is the original contract that contains my signature. If USAA Saving Bank unable to verify the accounts with my signatures, the information should be removed from my consumer credit report. And I am entitled to see all of the original contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 55 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to wrongful reporting of accounts on my credit profile. These Reporting bureaus are breaking FCRA laws. Also after further research i found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I applied for credit card with UPGRADE since XX/XX/2021 for {$7500.00} to buy a user car after my new car was flooded ... they hide the rate 13 % after it became 20 % but I accepted I calculated that it will cost {$8900.00} for a total 31 payments ... the monthly payment is {$280.00}. 
Normally I have 13 payment left but I realized that I didn't pass {$2600.00} neither the half... I suspect them to steal my money. I used their credit card twice but I put back that money. It's not clear they have stolen us.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$1000.00}, XXXX  XXXX XXXX balance {$1300.00}, XXXX XXXX XXXX XXXX balance {$200.00}, XXXX XXXX XXXX balance {$0.00}, XXXX  balance {$2700.00}.
Product: Student loan

The school closed in XXXX. My parent loan was illegally charged and I couldn't pay my son 's last year, so he was not allowed to continue. They still added the amount to my account. We tried to resolved but the school closed down. My son has been denied transcripts and thus the opportunity to get degree.
Product: Credit card

My payments are consistently on time, and I have no doubts about this. I ensure prompt payments and maintain accuracy in this. Please update my accounts to remove any late payment remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection accounts has been misreported on my credit report. 
with XXXX  XXXX XXXX, and Equifax. Ive disputed with all three credit bureaus certified mail XX/XX/XXXX, AND XX/XX/XXXX, and previous times in XXXX. I'VE I ask for validation/verification for the following : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Ive requested to see Verifiable proof with an original consumer contract with my signature on it. Under FCRA unverified accounts must be removed. XXXX  XXXX XXXX and Equifax failed to do any of the requested.I was sent investigation results : VERIFIED as Accurate without any supporting requested documents. Ive been in a number of breaches date breaches regarding XXXX and Equifax.. This has had negative impact on my credit scores. 

Ive requested removal several times through all the companies if they are unable to provide me copies with original signatures However this information still remains on my credit report as of
Product: Credit reporting or other personal consumer reports

I have almost two inquiries from each creditor. I have not requested any financing from either of these creditors. The creditors advised that they are not able to provide anything because there is no account with them.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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

Fraudulent account XXXX XXXX  XXXX open XXXX-17 amount XXXX
Product: Credit card

On my credit card 's benefits page, it says I should receive " Up to 2 % purchase APR reduction when you make a purchase, pay on time and stay under the credit limit XXXX billing months in a row XXXX 0.25 % per quarter, up to XXXX max ). '' I 've had the card for several years now and I am not aware of when this feature was ever activated. I 've reached out to Citi Cards for information and was told my card was not currently eligible for any reduction, nor could they provide me with when the feature was activated.
Product: Bank account or service

I have NEVER, EVER experienced such unprofessional service as what has occurred with a fraud situation with XXXX XXXX ; payroll provider for XXXX. On XX/XX/2017 my wife and I went to a local supermarket, XXXX to purchase some groceries as there was a pending ice storm. My payroll debit card was declined which was impossible as I was just paid two days prior and had not spent much of the funds. We came home and logged on to the website and noticed XXXX FRAUD CHARGES ; XXXX pending with XXXX for {$260.00} and XXXX charges for a company known as XXXX XXXX XXXX ( XXXX charges for {$100.00} and XXXX for {$51.00}. We immediately called the XXXX # on back of card and where directed to a XXXX male who spoke XXXX. He told me to contact the merchants and try to cancel with them. My wife works at a bank, XXXX, and explained that the procedure is generally a fraud affidavit and to dispute the charges. The XXXX male assured me he would send out a fraud affidavit and we had only 10 days to dispute charges from XX/XX/2017. I contacted XXXX but you can only contact them via an online email form. I described the situation and asked for them to cancel the pending charge of {$260.00}. By XXXX on XX/XX/XXXX, the XXXX charge was cancelled and money of {$260.00} was back in my account. I conacted XXXX XXXX XXXX via email form to as there was no phone number as out of country company. I did not hear back from the company until email received on Wednesday, XX/XX/XXXX stating that there was nothing that the company could do to explain the charges since WE HAVE NO PRIOR BUSINESS with them but they " would cooperate with any disputes with the debit card company. '' I forwarded all documentation to Money Network via fax and mail on XXXX/XXXX/17 and then sent out all the documents via priority mail return receipt on Friday XX/XX/2017. I have retained all necessary documents which can be provided if needed. I regret having my money deposited with Money Network AKA First Data as now my co-workers have informed me that they have had similar situation and have NEVER received a resolution and that I would likely lose my money as the 10 days have now expired. I NEVER RECEIVED a fraud affidavit from the company and now am very concerned as the unprofessionalism and lack of understanding is clear on part of an out sourced call center to another country. I have done everything correctly and spent time and out of pocket to try and correct this situation for obvious FRAUD but the company does not seem to care to respond or act. I am at wits end and hope that at least but notifying the CFPB someone else does not go through this mess.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of spcific infrmation in my file. The items I ned removed are detiled in the attached report. I am a victim of identity theft and did not make the listed charges. To correct my credit report, I ask for these items to be deleted promtly. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please process the deletion of these items as soon as possible.
Product: Debt collection

Continues to report inaccurate information to the credit bureaus, which is effecting my ability to get credit and forcing me to pay higher interest rates ( up to 23 % auto loan ) I've ask for validation of debt owed which should include a signed contract between me and the company. they sent two unsupportive document that date 9 years apart. Would like to see the original instrument of indebtedness in its original form, along with the amount owed. To make things even worse, you can see that the account numbers are different across all credit bureaus. along with the original amount being different on each Bureau. It states that if You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective matters to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. There actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.