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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Checking or savings account

Capital One Bank has not posted my employment direct deposit in the amount of {$2500.00} XX/XX/2024. I've submitted a formal complaint to Capital One Bank about the issue and the only response from them is they're working to fix the problem. There's no eta on when the problem will be resolved.
Product: Payday loan, title loan, or personal loan

This vehicle was purchased threw fraud and I never was the purchaser from the beginning!
Product: Debt collection

XX/XX/2020 XXXX, TransUnion and XXXX 
I have filed a dispute in regards to the incorrect items on my credit reports. 
It has been well over 30 days and I have not received any investigation results. 
XXXX {$6600.00} XXXX XXXX XXXX loan {$9600.00} XXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX ) {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$150.00} XXXX ( XXXX XXXX XXXX ) {$110.00} XXXX ( XXXX XXXX  XXXX ) {$30.00} XXXX ( XXXX XXXX XXXX ) {$38.00} XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XX/XX/2023 that there was an insurance account and a mobile account in collections on my credit report that have impacted my score.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent Equifax Police Reports showing that my vehicle containing my wallet was stolen and demanded that Equifax produce original wet ink signed and dated contracts bearing my wet-ink autograph, they ignored the Police Reports and not produced any of the demanded original wet-ink contracts, and persist in allowing XXXX  XXXX XXXX XXXX XXXX report as open an account that was listed in Bankruptcy Court case number XXXX XXXX XXXX XXXX as fraudband was discharged , a gross violation of Federal Law and Contempt of Court.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names
Product: Debt collection

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  Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with MIDLAND CREDIT MANAGEMENT, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ). 
Name on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found inaccurate information regarding my account with MIDLAND CREDIT MANAGEMENT. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. LENDMARK FINANCIAL SVC LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX/XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX/XXXX   make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX/XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Letter to Capital XXXX XXXX XXXX ( XXXX XXXX ) XXXX ole XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & Goodwill Adjustment under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a goodwill adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully. 

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a goodwill adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of goodwill. This is particularly relevant in cases where the customer is working in good faith to resolve the balance. 

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( XXXX, XXXX, and XXXX  ). This would not only help improve my credit standing but also demonstrate XXXXXXXX XXXX  or XXXX  dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I am filing a formal appeal on the resolution provided regarding this case previously. 
All necessary information can be found in the attached letter.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage  payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax NOTICE OF DEFAULT ACTION XXXX REF : alleged XXXX XXXX/XXXX   faulure to comply with the FCRA, FCA to a request for information. On XX/XX/2018 I emailed as per enclose documents to, XXXX has failed to provide any thing to me this is a official statement of fact. You Equifax are required by law to remove this alleged account for there failure to comply, warrants removal immediately. Please do so. All response will be forward to the CFPB for violations. This alleged account was disputed to both of you
Product: Credit reporting or other personal consumer reports

First of all XXXX XXXX XXXX  and XXXX, New York and agent alleged to my son XXXX and I both in person that Equifax came back that we were married which is my son XX/XX/XXXX. XX/XX/XXXX my son falsely arrested in the city of XXXX New York. A police officer takes a picture of his XXXX debit card within a few days. Somebody is alledging with XXXX To be a spouse of mine. The bank checked it out with Equifax Equifax did return never To the bank, XX/XX/XXXX. Logged into my account and this is supposed to be my consumer account from the settlement. I have not been in it since I opened it three years ago to see my credit has been frozen same exact thing that went down in XXXX unknown individual informed all three credit bureaus that I was under XXXX military alert do not extend credit for a period of at least 18 months I have never even enlisted or never allowed to suspect that I had been in the military this is the perpetrators the criminals keep identity. I attempted to find out today why my credit report with Equifax has been frozen and going through the automated system on the phone. It would not get an operator remotely. Somebody else was pushing the options. More importantly in XXXX roughly detective XXXX XXXX of XXXX XXXX detective unit who is still working for XXXX XXXX at a command center had three Equifax credit report in file, but I was under investigation. So Im asking to get from Equifax in XXXX Georgia to clean up this garbage again that has become repetitive. And check out XXXX XXXX or XXXX XXXX or XXXX XXXX Since I live within XXXX miles of XXXX, and since there was a personal verbal attack made to me from XXXX XXXX, that XXXX will use her position at XXXX XXXX XXXX department to attack me
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our KIA XXXX XXXX exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised KIA Finance by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from KIA Finance. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by KIA FINANCE in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked HYUNDAI KIA Motor Finance to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Product: Checking or savings account

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

Experian is missing my Department of Education Student Loan account which was opened on XX/XX/XXXX through XX/XX/XXXX. This information needs to be added to my credit file as it's positive credit history that I never deleted from my credit file and it's on the other two credit reporting bureau 's credit history.
Product: Vehicle loan or lease

I leased a vehicle through BMW Financial Services NA , LLC ( " BMWFS '' ) on XX/XX/XXXX. My contract end date is XX/XX/XXXX. Per the contract, the Residual Value with my Purchase Option is {$24000.00}, with no additional fees ( besides taxes and registration fees ). 

We want to purchase the vehicle per the terms of the contract. According to BMWFS, new legislation in the past ~6 months now prohibits them from selling a leased vehicle directly to the consumer in Colorado XXXX and ~11 other states ). I live in XXXX XXXXXXXX and went to the only local dealer, and while they were willing to handle the transaction, they indicated that BMW Financial Services would be charging me the {$350.00} Disposition Fee since the dealer would be purchasing the vehicle then selling it back to me. Per my contract, I should not be charged this fee if I purchase the vehicle, but since they can no longer sell me the vehicle directly, the dealer has to purchase it, then sell it back to me, so BMWFS will charge this to me since I am not purchasing it from them. Additionally, the Dealer indicated they would have to charge me a {$290.00} Dealer Processing Fee on top of the {$350.00} that BMW Financial Services would be charging me to process the sale back to me. 

Per my contract with BMWFS, I should not have to pay any additional fees. While I recognize the new legislation now prohibits them from selling vehicles directly to the consumer in Colorado, this feels like it is a problem for BMWFS, not for me the consumer ( or the dealer ) since I am still within my terms of the contract. If they are not able to honor the terms of the contract due to the legislation, then they should be paying the dealer handling fees, not me. 

I spoke with BMWFS on XX/XX/XXXX, and while they indicated I should not be responsible for the {$350.00} Disposition Fee, they could not provide documentation indicating as such ( besides my original contract ). I had 2 separate BMW dealers indicate that BMWFS would charge me this {$350.00} disposition fee. Additionally, they said they are unable to do anything about the {$290.00} dealer processing fees, since the dealer is charging this, not them. 

So I am now stuck either having to drive an hour away to another dealer that might not have dealer processing fees, or, paying the {$290.00} processing fee locally. They offer no option to purchase the vehicle locally at the purchase price per the contract. The person at BMWFS said this is a very common problem since this new legislation was rolled out, but offer no solution besides paying the fees to the dealer. 

Before talking to lawyers about a class action lawsuit, I figured I would make sure BMWFS is aware of the severity of not honoring the contracts they have with their consumers and see if they are willing to do anything about it. This should be fixed for everyone in this situation, not just me.