23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. 

According to the release, XXXX allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). 

XXXX is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. 

Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, XXXX reportedly sent incorrect information on millions of accounts to the CRAs. 

Aside from the {$4.00} XXXX civil penalty, the ruling requires that XXXX must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. 

The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to XXXX. The agency said the lender knew something was wrong as early as XX/XX/XXXX. 

The order indicated that XXXX must submit a detailed compliance plan to the CFPB within 45 days. 

The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX. XXXX XXXX indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and 40 percent said they prefer it that way. 

XXXX  XXXX  including XXXX, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : Transworld Systems Inc. 
Account Number : XXXX Creditor : XXXX XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements.

3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt.

4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ).

Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws.

I am revoking all rights of them communicating with me via Call/Text/Email .

I appreciate your prompt attention to this matter and look forward to a resolution. 

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

XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXXd XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX  of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment : I paid off my car loan in XX/XX/2014 why is there late payments after the loan was paid. This account has all the wrong information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

To Whom It May Concern, I am writing to formally raise concerns about ongoing harassment, improper communication practices, and potential violations of my rights by Summit Debt Collection Lawyers, their process servers, and individuals acting on their behalf.

Repeated calls have been made to my neighbors, my parents, and myself regarding an alleged debt I owe to XXXXXXXX XXXX  XXXX. These calls have resulted in the improper disclosure of my personal information to individuals who are not related to me, which is a clear invasion of privacy. Additionally, voicemails have been left on the phones of individuals who have no connection to me, further exacerbating the situation. 

The primary individual responsible for these calls is XXXX XXXX, who has been calling from XXXX. When I attempt to return the call, I receive no answer. XXXX XXXX has left a callback number of XXXX, which connects me to individuals who state they are only responsible for handling the case. 

During these communications, I have been subjected to repeated threats, including : Demands to pay over {$2000.00} or face legal action. 
Claims that my credit report will be labeled as fraud. 
Threats that my employer will be notified, and I will be unable to purchase a home. 
These actions constitute harassment and misrepresentation. Additionally, they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits : The sharing of personal information with unauthorized individuals.

Harassing or abusive behavior by debt collectors.

Misleading or false threats of legal action.

I contacted Summit, and they denied responsibility, claiming these actions are carried out by their process servers. However, as they are allegedly acting on behalf of Summit, this does not absolve Summit of responsibility for these violations. 

I demand that all harassing calls and improper disclosures of my personal information cease immediately. Additionally, I request written confirmation of the debt in question, as required under federal law. Failure to comply with these demands will result in my seeking further legal action, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. 

Please consider this my formal request for all further communication to be conducted in writing. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my XXXX  report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXXXX/XX/XXXX, XXXX XXXX Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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 XXXX, XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Someone named XXXX XXXX opened up 2 accounts for furniture at XXXX XXXX XXXX XXXX.She lives at XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Mn.When her accounts and address showed up on my credit report, I filed a fraud report with the police.Detective XXXX XXXX with the XXXXXXXX XXXX XXXX Police Department investigated and found it was not fraud.She in fact used her own social security number on her application for the furnitureXXXXDetective XXXX concluded that the credit bureaus made a mistake.I am XXXX XXXX in XXXX XXXX and I have lived in my home since 2008 and I own it! The furniture accounts were opened on XXXXall of this information was given to experion and they refuse to remove it off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/ SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Product: Mortgage

I have a significant reduction in income since covid 19. I am also going through a divorce. I requested a forbearance until my divorce can be taken care of my husband will not sign anything ( he is on title only ). I was told in XXXX i was approved and would get documentation. I have yet to receive anything and kept contacting freedom. Numerous phone calls and portal messaged and yesterday XX/XX/XXXX i got a email saying i had documents for my modification being mailed to me. I got the documentation yesterday XX/XX/XXXX with a date of XX/XX/XXXX ( also available in my portal yesterday not XXXX ) for a FHA partial claim. Which is great but my husband will not sign anything and i requested a forbearance. It also says i have to let them know by XX/XX/XXXX. Seeing as I get this in the evening of XX/XX/XXXX that seems a little XXXX. I also am being told to give them up to 7 days to get back to me about why i am not getting a foberance. It also says I am not able to do a COVID-10 XXXX XXXX modification because my acct is not more than 90 days delinquent. Which is incorrect. I sent a message through he portal because i do not trust them what so ever. I have also contacted the FHA because this is not what i asked for and was told I was approved for. i am going to lose my house because they don't care.
Product: Debt collection

XXXX XXXX has been calling me at work over a debt of taxes from Indiana Department of Revenue. XXXX XXXX has been paid in full. This week XXXX XXXX put a levy on my bank account with XXXX fraudulently. 

XXXX XXXX is nothing but fraud. All the payments that they collected from the State of Indiana has never been transmitted to Indiana at all. XXXX XXXX obviously kept the money for themselves. I have proof from the bank that all funds were transmitted to them. I have shown them. Plus XXXX XXXX was licensed in Arizona in XXXX ; they debt goes back 15 years in XXXX therefore they don't have the license to collect the debt either.
Product: Money transfer, virtual currency, or money service

I have transferred money to my moms account in XXXX on XX/XX/XXXX by using remitly money transfer. With the transaction numberXXXX XXXX XXXX XXXX MONEY WAS NOT DEPOSITED TO MY MOMS ACCOUNT AS PROVIDED. i have tried contacting them every day since 3 months to get the refund back.they keep telling me that theg are escalating this to thier partner bank. The amount was {$1100.00} which was really important to me and big money to help my parents during pandemic.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Capital One will not resolve a dispute that I have on my credit card. they will not call me nor will with let me speak to the appropriate representative to voice my concerns. I have attempted NUMEROUS times to get this resolved and they will not do anything. They allowed a company to commit fraud and they are committing fraud by not trying to resolve it in a timely manner.
Product: Mortgage

I have a HELOC with Citizens Bank. My rate is Prime - 1 %. Prime rate was reduced on XX/XX/2020 ( from 4.75 % to 4.25 % ) and again on XX/XX/2020 ( to 3.25 % ). The rate on my HELOC should have been 2.25 %, however, the rate on my loan continued at 3.75 % through XXXX. I have tried calling customer service, but their agents are not able to answer my questions. I have requested copies of my loan documents both with customer service and on line to no avail. As I am not able to get answers to my questions I am out of patience and am requesting that the CFPB investigate this matter. Thank you.
Product: Checking or savings account

I called the BMO Fraud Department on XX/XX/XXXXto file a dispute on several transactions from merchant XXXX for {$510.00}. Then the Merchant XXXX XXXX XXXX XXXX NY, for a total of {$1100.00} ; their protocol is the Claim is open for 45 Days. If the Merchant Responds, they then would call me to discuss further options ; it has been more than XXXX Calander Days and XXXX Business Days, and I have never received a call from BMO nor a Voicemail, so I am under the impression the Merchant did not respond, so as per BMO protocol after 45 Days with no response the Claim would be closed in my favor. I have yet to receive a credit for these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Product: Prepaid card

On XX/XX/year> I called customer service because I could not access my online account to my prepaid card. Customer service told that appeared someone tried to make a fraudulent purchase on my account so they locked my online access. They told me they would unlock my online access and send me a new card in 5 to 7 business days once I verified my identity. On XX/XX/year> I went online to check my account and all my funds were stolen, the account showed XXXX fraudulent purchases made from another state. I asked customer service how this happened considering my current card was cancelled and they told me to called their fraud department who didn't contact me until XX/XX/year>. When I finally got through to the fraud department they told me that someone had used my identity to gain access to my online account and then created a virtual card in order to make online purchases, so they redirected me to the claims dispute department. I was not able to get someone in that department until XX/XX/year> when they finally filed my claim dispute. They told me that after a XXXX business day investigation that I could request a credit to my account if the dispute had not been resolved. This turned out to be false and now they are telling me I have to wait another 45 business days before the claim can be resolved and that they can not issue a credit because I missed the filing date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is XXXX XXXX XXXXXXXX at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.
Product: Prepaid card

I was issued a refund for some gifts i recieved as a house warming gift on XXXX/XXXX/2016 onto my temporary american express serve card ending in XXXX the merchant released the funds two days later and XXXX has refused to realease the funds back to me it is now XXXX XXXX and i have yet to have access to my funds i was promised a resolution by XXXX XXXX th and still nothing! I would like to expell all my funds and close this account
Product: Mortgage

I am writing to express my concerns regarding a recent experience with your service. On XX/XX/year>, I contacted your team to set up an automatic payment. Unfortunately, the representative scheduled the payment for the incorrect date. The payment was supposed to be set for XX/XX/year>, but this was not properly recorded. 

When I noticed the issue, I called again on XX/XX/year>, to address the error. During this interaction, I encountered a representative who was extremely rude and unprofessional. I was informed that I could not make a payment online and would instead need to send payment for multiple months either by mail or over the phone. However, the representative refused to allow me to ask questions or fully explain the situation, which left me frustrated and with unresolved concerns. 

Additionally, due to this error, I have been reported 30 days late to the credit bureaus. As this was the result of an administrative mistake, I am formally requesting that the 30-day late payment be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) .