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

I am submitting this complaint regarding late payments on my credit report. Upon reviewing my records, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have not received a response or adequate validation. I am seeking your help to address and resolve this matter efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online application for a  XXXX  vehicle lease in   XXXX   XXXX    . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in   XXXX  . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX between the hours of XXXX, I went to ACE Cash Express located on XXXX XXXX, XXXX, Ohio to apply for a loan ( hoping to be approved for {$600.00} ). After giving my information and proof of income, the loan agent XXXX informed me that I was pre approved for {$100.00}. I apologized and stated that I needed approximately {$600.00} and that it was okay, I wouldnt be taking the loan out then. She repeated back to me, So you dont want to do it? I confirmed, No, thanks. She then had me sign one more document and told me I was all set. I then left the store. XX/XX/XXXX I received an email from ACE Cash Express stating that my loan was past due and was being transferred to collections. This was a surprise as I had asked the agent who helped me ( XXXX ) to cancel the loan. I called the store the next day and another agent ( XXXX ) answered my call. She notified me that yes, I had indeed took a loan out on XX/XX/XXXX for {$160.00}. That would have been the {$100.00} plus fees. I told her that was impossible because I left the store that day with no money. She further explained that I had been paying my balance down some how because now my total was {$100.00}. I expressed again that I did not leave the store with any money and no money is being taken from my bank account from this establishment. She then stated she would have her GM look into it and call me back. I didnt hear anything back from that. I then called customer service and collections, no one could help because there was no proof I didnt leave the store with money the day I went to apply. So customer service put in a request to have the district manager call me. XXXX called me promptly the next day and stated she would investigate and get back to me the following Wednesday. Wednesday arrives and I give XXXX a call, she stated that she had gotten her boss involved and she was going to the location the next day and will get back to me after her visit that day. I never heard any else and have tried to contact her and the store. I am not happy and do not feel safe with my information at this establishment and find it absurd that no one can figure this out as it is as simple as reviewing the security camera film from that day. I now have a loan in collections that I said I didnt want ( at the amount that was offered ). I feel something inappropriate occurred and now it being covered up.
Product: Credit card

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXXXXXX XXXX Account number : XXXX Reason for removal : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX XXXX are wrong. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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

ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX Original creditor ftc violations
Product: Credit reporting or other personal consumer reports

I've been banned by XXXX XXXX XXXX XXXX. They refuse to investigate my claim despite evidence from the FBI. They refuse to help in any capacity and have confirmed, over the phone, that I have been banned from ever opening a checking account again. I have proven they sold debt in my name in bad faith. They sold debt, in my name, under false pretenses. I don't believe this is legal.
Product: Vehicle loan or lease

I got behind in my vehicle loan beginning with the  XXXX  payment. I scheduled  XXXX  months of payments to come out on Friday  XXXX   XXXX   XXXX  . I had an issue with my other car loan with a repossession and had to get the vehicle back so my fianc could work. I paid almost {$2000.00} in fees for  XXXX  with them. Then they took out {$650.00} unexpectedly on my account at the same time  First Investors tr ied to take their payments. The bank paid the lower amount  XXXX  {$650.00}  ) and returned the First Investors payments. I am distraught and confused. I called First Investors as  soon as I realized what happened  XXXX  prior to them receiving the returned payment ) this morning. I was told that I do not qualify for a deferment based on having  XXXX  in   XXXX   of last year. Also, if I do not have a payment in by the end of  XXXX , they will send me a harsh letter demanding {$1400.00} from me or repossession. There is nothing they can do to help me per my account  XXXX ,  XXXX . Now, here 's some background and frustration . First Investors is a subprime loan lender who banks off of people in despera te measures trying to get a loan so they can work and have transportation. With my interest rate and payment amounts of {$510.00} a month, I am paying more than 3 times what the vehicle is worth. It 's highway robbery and they can not help their customers more in these financial situations? They have to understand that their customers are paying 3 times as much in monthly payments as a normal consumer would. I understand these loans are risky but at the same time, but {$510.00} a month for my vehicle is outrageous. I was promised when I got to the car that I could refinance for lower payment and now that is definitely not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy
Product: Credit reporting or other personal consumer reports

These inquiries and the creditors involved do not pertain to me.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX  XXXX Dispute Department, I am writing to formally dispute the late payment status reported on my Flexible Spending Credit Card account, as detailed below : Account Type : Flexible Spending Credit Card Responsibility : Individual Age of Account : XXXX  Years, XXXX  Months Credit Limit : {$500.00} Credit Used : XXXX  % Available Credit : {$48.00} Highest Balance : {$510.00} Payment Status : XXXX  Days Late Amount Past Due : {$68.00} Date Reported : XX/XX/year> Date of Last Payment : XXXX XXXX XXXX Monthly Payment : {$52.00} On Time Payments : XXXX  % I wish to dispute the late payment status due to severe circumstances that significantly hindered my ability to manage my XXXX  XXXX account promptly. On [ Date of Incident ], I experienced the unfortunate loss of both my credit card and mobile phone at the XXXX airport. This loss resulted in my being locked out of my XXXX XXXX online portal and unable to access or manage my account. 

Moreover, due to the reported loss/theft of my wallet and phone, I was compelled to cancel my previous billing information associated with auto-pay settings. This further complicated my ability to make timely payments through automated means. 

Despite these challenges, I maintained communication with XXXX XXXX while abroad. However, upon returning to my residence at XXXX XXXX XXXX, I discovered that all my mail and packages had been compromised. Notably, my neighbor, who collaborates with the homicide division across XXXX XXXX, did not capture any clear footage of the entry points to my home. 

As a result of these extraordinary circumstances, I faced considerable difficulty in regaining access to my account, managing my payments, and securing my personal information. Nevertheless, I was able to make a payment of {$52.00} on XX/XX/year>, which was within the expected timeframe. This payment reflects my commitment to maintaining a positive payment history with XXXX XXXX, as evidenced by the 67 % on-time payment rate. 

Therefore, I respectfully request that XXXX XXXX conduct a thorough review of this matter and reconsider the reported XXXX late payment status on my credit report to accurately reflect the extenuating circumstances I faced during this period. I appreciate your understanding and prompt attention to this dispute. 

Please provide written confirmation of the investigation 's findings and any corrective actions taken to rectify this issue. Should you require any further information or documentation to facilitate this process, please do not hesitate to contact me at the above-mentioned phone number or email address. 

Thank you for your assistance in resolving this matter expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$330.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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: Debt collection

This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX  mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
Product: Credit card or prepaid card

My husband and I each had credit cards with XXXX XXXX through Synchrony Financial. We opened the accounts in XXXX XXXX and spent {$1400.00} on one and {$1000.00} on the other. We made rehular payments on time and in XXXX of XXXX paid them both off to a {$0.00} balance but kept them open for a number of reasons. In XXXX XXXX, we each got a letter stating they were closing our accounts due to bad credit!!!
Product: Credit reporting or other personal consumer reports

I noticed my credit score dropped dramatically. 
today i checked my credit report through XXXX and found collection account {$370.00} pass due as of XXXX, XXXX 
Account Name XXXX XXXX XXXX XXXX Also Known as XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT TYPE COLLECTION RESPONSIBILITY INDIVIDUAL ORIGINAL CREDITOR : XXXXXXXX XXXX. 

This is account doesn't belong to me. I don't even have XXXX cable account. 
it is fraud and wrong information.
Product: Credit reporting

My credit karma account alerted me to an account placed in collection saying I owe the County XXXX, Virginia what I believe to be a personal property tax. I 'm more than sure this is an error because I 've been living in the state of Tennessee since late last year
Product: Debt collection

My bank keeps over drafting me when I havent had over draft protection in well over 10 years and they refuse to make it right. So they just keep tacking on overdraft fees and lying to me about how it wont happen again well over 4 different times. So my credit card debt is close to its limit because they refuse to help this and make it right. Advice or assistance would be greatly appreciated. They also said they did fees waved twice and thats also a lie. The pic included will show you.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I submitted a dispute regarding XXXX XXXX On XX/XX/XXXX Experian replied that the dispute has been updated. Upon review of the dispute, I see that the account is still violating the FCRA and reporting inaccurateDespite written request. Experian has failed to perform a reasonable investigation of my dispute. This is a VIOLATION of the FCRA. This account is reporting inaccurate information, and I have proof attached. If this is not removed ASAP, I will be filing a lawsuit and a complaint with the attorney general. These accounts were NOT verified yet updated to my report. 

Here are the results below from Experian. 
The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 
In firmly dispute this account Experian does not show that I made a payment on XX/XX/XXXX. The balance history that Experian has shows that I paid XXXX dollars. 
Date of last payment is incorrect and inconsistent with the bureaus. Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX Experians balance history showed that I paid XXXX on XX/XX/XXXX, yet the date of last payment is listed as XX/XX/XXXX The date of last active is incorrect. 
o Experian has a date of XX/XX/XXXX, XXXX has XX/XX/XXXX. Why would XXXX tell the bureaus two different things in XXXX??
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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

Nissan Motor Services is in violation of reporting account ( XXXX ) on my Consumer Report of 15USC1681 a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report for reporting excluded information - while violating 15USC 1681 ( b ) by reporting this account without my written authorization requested - without providing me with my disclosures requested as per USC 6802, giving me the opportunity to exercise my non disclosure option of Nonpublic Personal Information ; to OPT out of this inaccurate information being reported as per the Gramm Leach Bliley Act. 

I have given Nissan Motor Services more than 30 days to delete this account and they refuse to comply to get the matter resolved because they are in several violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE
Product: Checking or savings account

Someone stole {$460.00} from my Bank of America EDD account on XX/XX/19. I believe this person must work for the bank because they had a copy of my card, knew my PIN number and they knew the exact day I get paid because they accessed my account the very same day my unemployment payment went through. Ive never felt so violated in my life and for the bank to turn there back on me hurts so much. I filed a police report. I dont know what else to do.