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

I am writing to file a complaint about inaccurate and unfair reporting on my credit report. 
Back in XXXX I submitted a hardship letter based on the Cares Act credit protection act. I asked the credit card carrier for accommodations based on hardship because I was financially affected by the pandemic. A certified letter was sent to the credit card carrier. My letter was never acknowledged, and after calling numerous times nothing was done by the credit card company to help. Instead, my account was sent to collections where it now reports several months of delinquent and late payments. 

Therefore, I believe that in accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's one 6 6B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I ask that action be taken by the credit reporting agency and remove any information that violates my rights as a consumer.
Product: Debt collection

Dear FST FINANCIAL RESOURCES ; ( Original Creditor XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Vehicle loan or lease

We financed a car with Prestige Financial in XXXX of 2014. We have paid somewhere around 25k for a XXXX car and they say we still owe almost 8k. Is an almost 50 % interest rate legal? Because thats what it will be after we pay all the payments. XXXX for a XXXX car. I dont know how it could possibly be that much and it be legal.
Product: Vehicle loan or lease

I was pressured into very high interest rate, car I did not want, the car was smaller, the monthly payments were {$480.00}, car I traded in was bigger, it took 5 months for me to get license plate and I had to go in every month to get 30 day tags, was stopped by police saying the car was stolen. The car was a lemon the check engine came on the first week, they would not fix and continued lying while waiting til the warranty ran out. Later the car was repossessed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were added without my consent. Pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), I request that these items be immediately blocked and removed. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

TD bank did not send me statements for a credit card. I do not use this card, not sure why there was a charge in XX/XX/2022. I never miss credit card payments. I receive all my bills through the XXXX  XXXX XXXX XXXX and website and it says I have a XXXX balance with TD bank every month. This error made my fico score drop by XXXX points. Please help correct this issue. A payment has been made and I locked this credit card so it will no longer be used. I understand that closing an account may have a negative effect on my credit score. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Equifax actions may also contravene the CFPA,12 U.S.C . 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against Equifax for similar violations XXXX I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the listed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e [ B ]. 15 US 1681s-2, 15 USC 1681c [ c ] and I just found out about he new lawsuit the CPFB came out with against them. CFPB sues Experian for Sham investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to remove credit, employment, and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! XXXX attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Product: Debt collection

XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.
Product: Payday loan, title loan, or personal loan

I have been disproportionately have been affected as a person of XXXX by the lending practices of XXXX  XXXX XXXX XXXX XXXX XXXX through receiving higher than and to a greater degree interest mark up comparatively to my XXXX  counterparts in getting the title loan.
Product: Money transfer, virtual currency, or money service

I checked my bank account and had {$1300.00} USD missing from my account. Remitly.com had somehow allowed a man in XXXX to access my account. I have a two step verification that uses my email and my telephone. Somehow this man accessed my account Recipient : XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX Picked up MADXXXX We have confirmed that XXXX XXXX  now has the MADXXXX you sent via Remitly.com. Your transaction is complete and we hope to see you again. 
Arrival Time XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXXXXXX XXXX WET ) Track Your Transfer Your debit card Remitly XXXX XXXX Recipient Done. Your recipient has picked up the transfer. XX/XX/XXXX, XXXX XXXX PST Share Remitly with your friends to earn rewards. 

Receipt Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Recipient at XXXX XXXX XXXX, Payment Details Submitted XX/XX/2021 XXXX XXXX PST Reference No. XXXX XXXX XXXX XXXX Delivery Cash Pickup Partner XXXX XXXX XXXX XXXX XXXX Currency MAD Available XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXXXXXX XXXX WET  Payment Method VISA ending in XXXX Amount Sent XXXX USD Fee XXXX USD Total Amount Charged {$1300.00} USD Net Recipient Amount MAD XXXX MAD Exchange Rate XXXX USD = XXXX MAD
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.
Product: Bank account or service

I am the Co-Executor of my Mothers estate. My Mother had an IRA account with Bank of America. She had this IRA since at least 1992 and always banked at the same small branch in XXXX, Connecticut. The branch was taken over several times between XX/XX/XXXX-XX/XX/XXXX and is now Bank of America. Despite there being XXXX totally consistent beneficiary designations with the predecessor banks being located- XXXX located by Bank of America in its own internal files, Bank of America refuses to honor them -- saying that they will only honor a beneficiary designation directly with them. In addition to the XXXX beneficiary designation forms, I have notes by my mother consistently reasserting that I am the sole beneficiary. 
Also Bank of America has consistently intentional or just negligently given me misleading and false information. The second beneficiary designation was located by them only after they had repeatedly represented that there was No such record. They have also incorrectly ( intentionally or negligently ) represented that there is no detriment since they are willing to pay the IRA to the Estate. The Bank should be aware of the detrimental tax consequence of the payment to an Estate rather than a person beneficiary -- even if ignorant they should at least not make false statements on which their depositors may rely to their detriment. My mother was not a wealthy woman ; she carefully saved her money and meticulously set up her accounts in accordance with her wishes. Yet now, the Bank is looking to VIOLATE her wishes and her accounts! Additionally, since there are other beneficiaries of the residuary estate, clear, contrary to the Bank 's rep payment to the Estate is very different than payment to the individual named beneficiary. 

My mother was already aged XXXX at the time of the Bank of America takeover and XXXX when she died and she consistent banked at the same small branch.The Bank 's position seems to be that that it was somehow her responsibility to make sure that Bank of America still had and did not lose or misplace her Beneficiary Designation. Likely, this is a frequent problem with Bank of America -- the only difference here is the careful records that my mother kept and my relentless pursuit to correct the situation.
Product: Credit reporting or other personal consumer reports

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Asked how they verified the information because the company says Im not authorized on the account so how is it reporting to my consumer report 15usc1681 sets federal guidelines on how it must be certified not verified and they can not produce the evidence from there investigation which I believe never happened, I need actual proof that it belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, an infant minor trust, is the victim of fraud. A contract between an XXXX XXXX XXXX XXXX can only be the result of coercion, misrepresentation and fraud. Any such contract is illegal and non binding. Financial institutions, acting as trustee of infant minor trust, failed fiduciary obligation. Beneficiary was billed and trustee claimed remittance coupons. I have submitted XXXX dispute for fraud to XXXX, and no relief has been provided. I am the sole equitable beneficial title holder, beneficiary of the XXXX XXXX XXXX. Beneficiarys are to receive all benefits, and can not preform any duty of the trustee.
Product: Student loan

My initials are XXXX. and the debt collection letter/email excludes the XXXX in my initials in which my name includes a given tax classification for the government to debit/credit off loans from my goverment income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy filing and submitted my FTC report to Equifax, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Money transfer Cancellation {$130.00} Never got back never had a customer service number
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights XXXX 
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.