23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Honda Financial repossessed my vehicle XX/XX/. Prior to the vehicle being repossessed i was in contact with the lender. I called to make a full payment after giving them dates that I would be able to catch up on my payment. My private information was then sold to a repo company in which I did not sign a contract with. Repo agent went to my aunt property and also was arguing with her outside. Repo agent had cops assist in finding my vehicle. Police officers called me 3 days prior to find out where the vehicle was and mentioned they were calling on behalf of Honda Financial. When asking to speak with a supervisor its takes them 24-48 hrs. I called weds and they had someone impersonating as a supervisor call back on XXXX and didnt hear back from someone until XXXX. I explained to them I have the money to pay in full and they will not take it and told me they will no reinstate my loan.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
On XX/XX/scrub> 2023, I reported a scam attempt on my account involving the amount of $ XXXX through Cash Apps ( BLOCK Inc ) help line. Unfortunately, there was no representative available to assist me, and I was only able to interact with an AI system. As a result, the issue was never addressed or resolved, leaving me without recourse or clarity on how my concern would be handled. 
Furthermore, Cash Apps dispute resolution process has been unfair and deceptive. The company did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their failure to properly investigate and resolve my dispute has caused significant inconvenience, financial loss, and a lack of trust in the platforms ability to provide secure financial services. 
I am seeking appropriate redress for these violations, including compensation for my financial loss and assurances that corrective measures will be taken to prevent similar issues in the future.Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, PA XXXX ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$7500.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account from Ability Recovery Services has been removed from all credit bureaus with the exception of XXXX. I received a credit alert that the account was removed and then readded to my XXXX report in XXXX. 
Also, I have yet to receive any form of validation from this company as they allege. The date was also reaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to Experian that I was 30 days late. I have bank statements saying I was not 30 days late and gave them to Experian. Experian came back 3 times now as the account stays on my account and the investigation lasted only over night. XXXX XXXX representatives have said that I have NO late accounts on my account and that I should contact Experian. When I try to contact Experian the call machine says I can not talk to a person unless its identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continually miss reporting information on my credit report. As far as account statuses and balances, it is affecting my credit score, and I have filed mini disputes with them and they have done nothing
Product: Credit reporting

I have XXXX of debt reporting on my credit for over 10 years ago and I had filed a complaint of identity theft years ago ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for schooling thru university of XXXX. I did n't know where to go or where to start. I was a single mom of XXXX working a job making {$7.00} an hr. The reps from enrollement told me I could get grants and not have to pay for schooling due to my income, they also told me I could do my general schooling online the transfer to a local school to finish my XXXX degree. They lied about everything. The schooling was a joke and they took out money for federal loans saying that it was grant money. I only attended from XX/XX/XXXX to XX/XX/XXXX. They took out additional moneys and lied every step of the way. I could n't use any of my credits or schooling to transfer to XXXX XXXX or even XXXX the XXXX college locally. I was frauded by university of XXXX due to me being a single uneducated mother and people who I thought were giving me guideance were only steering me in financial destruction. I have never been able to make payments to the loans from XX/XX/XXXX/XX/XX/XXXX and now it looks like there are more loans and looks like they are new even after all these years. I have tried disputing and just do n't know where to go on this any more. University of XXXX scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously
Product: Mortgage

1. Statements/ billings for months already paid and payments cashed.

2. Late statements.

3. Inaccurate totals on statements.

4. Extra principle payments misapplied to wrong accounts.

5. Failure to correct statements after repeated phone calls.

6. Cashing monthly mortgage payments weeks after mailed.

7. Failure to respond to written letters.

8. Past due charges made on payments already received.

9. Failure to adequately service my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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: Mortgage

Bank of America ( B of A ) has repeatedly and continues to violate RESPA, Reg X Multiple CFPB, Banking and other Banking and federal regulations and laws in the servicing of our mortgage. Refer ty attached document entitled 'CFPB Complaint Summary Page Escrow 2-2020 ' for full details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I would like to remove the follow inquiry from my credit report. 

upgrade XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I did not authorize this company to run a credit report in accordance with fair Dept collection practices act 15 U.S. CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

On XX/XX/ 2016, I opened a bank account through XXXX XXXX XXXX. I live in XXXX, XXXX. I opened the bank account at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The New Account Representative I opened my account with was XXXX XXXX. I was promptly looking to open a checking account after I had just moved back to XXXX from XXXX. Upon opening my checking account, they also opened a savings account. As XXXX was finishing up my account, he said, " I need to run a soft hit on your credit to make sure you are in good standing with any other banks ''. I thought it was strange for him to run my credit for this reason, as I had never encountered this at any other financial institution. When he came back he said that I also qualified for a credit card with the bank and that I could simply cut the credit card when I received it if I did not wish to use it. I did not give him my consent to use my credit for this purpose, only to ensure that I was in good standing with other financial institutions. This was my first credit card and after speaking to my parents along with others, I was concerned about the fact that XXXX wrongfully and knowingly extended me a line of credit way in excess of what my income would merit. At the time, I made just over {$2000.00} a month. Prior to my obtaining this credit card, I was unaware of what a utilization rating is and how important it is to keep it at a minimum in order to maintain good credit or continue to build on good credit by using less than 30 % of the allotted credit given. There is no way someone of my stature would normally ever qualify for a line of credit that was given to me, which was {$5000.00}. I take full responsibility for using the card, but again, after speaking to my parents, I thought it would be in my best interest to have a thorough investigation done to ensure I have exhausted all of my options in trying to have this resolved. I can provide any income stubs or other documents if requested.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccuracy present on my credit report, which I obtained from your agency on. This letter is to request the immediate rectification of erroneous information that appears to be adversely affecting my credit score and financial standing. 


Identification of Disputed Item : The address listed as Incorrect Address on the credit report is incorrect. I have never resided at nor conducted any financial activities from the aforementioned location. This error is noted under the section labeled " [ specific section of the report where the address is listed ] '' on my credit report file. 

Request for Correction : I request that this address be investigated and removed from my records at the earliest possible convenience to ensure the accuracy of my credit information. 

Documentation for Verification : Please note, for verification purposes, I am willing to provide, upon request, necessary documents that validate my current address and substantiate my claim. These may include utility bills, a copy of my rental agreement, or government-issued identification documents. 

Actions Taken : To address this issue, I have already such as contacting the creditor and inspecting of my credit reports Conclusion : Given the potential negative implications of inaccurate information on my credit report, I respectfully urge for a prompt investigation into this matter. I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to your swift action to rectify this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the Equifax data breach and those accounts need to remove ASAP or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) 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 is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX XXXX  XXXX, 2022 XXXX XXXX  XXXX, 2022
Product: Debt collection

On XX/XX/XXXX XXXX Chase decided to close my two open end credit cards without my consent or reasonable reason. 
Spoke to supervisors, managers, and lending office reps non can come up with any reasonable reason to close my account down. spoke to the many times which sometimes they'll put me on hold for more then 3hours with no results.

under law 15 US Code 1602 ( D ) ( E ) ( F ) ( J ), Chase, ( corporation ) violated my rights., Note to all I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matter proceedings and I hereby claim that I will D/b/a and auto graph as the agent, attorney in fact, so be it ; Under 15 US code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 
Under penalty of perjury, I swear this account is misleading Only way you can close my account is if its fraud related or i close it down which i did not because i extended my credit to you so im the only one that can take it away by law. 
As a consumer by law these accounts where misleading and discriminating for closing account without my consent or knowledge. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Felt very discriminated by the Cooperation and its representatives i've spoke to past few days. which violates again Equal CREDIT OPPORTUNITY Act, FCRA, and Truth In Lending Act.
Product: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have made payments to my Apple Card issues by Goldman Sachs and they place it on a ten day hold. However I make other payments and they are available immediately. The payments of {$550.00} and {$110.00} made on XX/XX/XXXX are on hold until XX/XX/XXXX making it where I have a late utility and two other bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry was made without my consent
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccuracies on my Experian credit report, which have negatively impacted my financial opportunities. Recently, my application for an apartment at XXXX XXXX XXXX XXXX was denied due to incorrect credit information provided by Experian through Resident Verify. 

The adverse action letter states my credit score as XXXX and references delinquent accounts. However, my Experian score is XXXX, and all delinquent accounts have been paid in full. These errors remain unresolved despite my efforts to dispute them directly with Experian. 

I am requesting your assistance to address the following issues : 1. Ensure my accurate credit score of XXXX is reflected. 
2. Remove any references to delinquent or derogatory accounts that I have resolved. 
3. Confirm my credit history accurately reflects recent payment updates. 

I have attached the adverse action letter and can provide proof of payments if needed. These inaccuracies have caused significant inconvenience and harm, and I kindly request your intervention to ensure these issues are resolved promptly. 

Thank you for your assistance. 

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

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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 XXXXXX/XX/XXXX
Product: Credit card

Had several cards for years through GE Capital. Cards were moved over to Synchrony without my knowledge. Have always been a good customer. Paid bills on time and never late on my payments. Soon as Synchrony took over they dropped my credit line down to the balance on each card, along with increasing my payments. This has dramatically affected my credit score from XXXX to XXXX. Basically I am financially ruined. I put this complaint in to your org last year. I see that there was legal action taken. I have not recieved any compensation for there illegal activities. Last year you informed me that nothing illegal was being done to me!!!! I want this issue resolved. Today you even refuse to give me my complaint #. You sent me to calling XXXX etc ; I have spent XXXX hours today triying to get some help. It seems like nobody wants to take the heat for the action they took on my complaint. I wish for someone to review my last complaint.
Product: Credit card

An account was opened using my personal information on XX/XX/year>. This was opened without my knowledge and I recently discovered this because of a call from a collection agency. I believe this account was opened under a different address than the one that I have lived at for the last XXXX XXXX years ( XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ). We never received any written information from the credit card company most likely due to the fact that the person who created this account used a fraudulent address ( perhaps XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX? ) I have never resided at that address and have never lived outside the XXXX of Illinois. The amount that they charged is {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion to dispute my Bk. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

tbom/contfin is reported on my Transunion, XXXX, XXXX XXXX. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my Transunion and XXXX in error. I have also disputed with Transunion and XXXX with no results. Please remove these incorrect items.
Product: Credit reporting or other personal consumer reports

This company is reporting my payments as late which is incorrect as I have never been late on payment.