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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX  - XXXX - This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, includi
ng actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 



I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of outdated addresses from my credit report and the update of my current address. The addresses listed on my report are no longer valid and may affect the accuracy of my credit file. 


My Current Address is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I kindly ask that you promptly remove the outdated addresses and update my credit report with the correct current address. Your assistance in resolving this matter is greatly appreciated. 

I am attaching my ID and XXXX XXXX to verify my current address as well as my XXXX XXXX card to verify my identity. Thanks!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened my Total XXXX credit card in XXXX 2016. I have had abut 5 credit cards reported lost or stolen by the company. I will use the card and it declines. When I call the company ; they tell me the card was reported lost/stolen and a new one is en route. I have never called them and reported my card lost/stolen however I receive a new card every few months. The bigger issue is when the card is reported lost or stolen ; it is reported as a new account on my credit report every time. So it will close the account and open a new account which affects my score and does n't establish the payment history which is why I opened the account in the first place. I called the company and was told there is n't anything they can do when it is coming up the card is lost. I, the card holder is not reporting the card lost.
Product: Mortgage

I fell behind on my home payments to Loancare and contacted them to resolve the issue in late XX/XX/2022. I was concerned because I submitted a check for 2 months payment and it was rejected and returned to me and they advised I needed to submit all late payments in XXXX lump sum, which was XXXX moths at the time. After it was determined that i could not come up with the whole amount i reached out and inquired on assistance to resolve the issue. They advised me to file for forbearance. On XXXX I provided documents and the application they requested. Then in XXXX I inquired weekly on the stauts and was advised to wait the full XXXX to XXXX weeks and they would reach out if any more documents were needed. At the XXXX week mark, I inquired again and they advise to continue to wait, after I advised several times that it was already XXXX weeks waiting the representative advised since no update was done on my file they would refile my application again, but advised not to worry that i would not be foreclosed on. Then mid XXXX, I spoke with a Representative that advised since I was not getting any traction with my application to file for Covid relief since she determined I qualified. I submitted my document and application again before thanksgiving and was assured I was not going to be foreclosed on. XXXX XXXX I started to get letters from a lawyer that I was being foreclosed on. When I contacted Loancare they advised there was no updated on my application but not to worry because the rep then gave me here direct number to contact to ensure my application was getting updates. I finally was advised they processed my covid relief on XX/XX/XXXX which I completed and returned the document the same day I received them. Loancare then advised to ignore the foreclosure letters as they had the documents they needed. Shortly after multiple people began to come to my house and knock XXXX asking for me to sell my property as the public records showed my house to be auction in mid XXXX. After the lawyers rescinded the foreclosure auction. I have been current on my payments since XXXX, even though my mortgage jumped up to XXXX from XXXX due to taxes and escrow. I am now trying to sell my house as I have accepted a better job XXXX hours away but can not get an approval due to missing payment for XXXX  months after loancare continued to " loose '' my application multiple times. 

Please assist in anyway possible, thank you for your time.
Product: Student loan

I am still currently in school and will not graduate until the XX/XX/XXXX. On XX/XX/XXXX, I submitted a {$1500.00} payment. The payment was not required. I am trying to be responsible and pay down my student loans before I graduate. Great thing, right? When I submitted the payment, I asked for it to be applied to my oldest loan that has the highest rate. The payment was instead applied to principal and interest. Thinking there was a misunderstanding, I 've asked three times now for Nelnet to correct the payment. I 'm not sure why an active student would want to pay principal and interest instead of paying down the principal - but hey! I 'm not a lender. Not only has Nelnet not corrected this matter, which only required simply following my wishes for the EXTRA, NON-REQUIRED payment I made, I now have received a response that they applied the payment to my newest loan. Coincidentally, that loan has a lower rate than the one I asked the payment to be applied to. They also backdated my XX/XX/XXXX payment to XX/XX/XXXX. Does that seem unusual to the CFPB to me? It sure seems deceptive and abusive to me. It seems as if the lender is going out of their way to ensure I DO NOT pay down debt at a higher rate. Considering how much time I 've spent trying to resolve this, including now writing to the CFPB, I 'm not sure I can even trust NelNet to handle my next payment correctly. Please investigate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

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 ).

Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan.

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted.

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer.

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) cordially XXXX XXXX
Product: Credit card

Dear Team, I would like to bring to your attention a matter of concern regarding my American Express card. I recently spoke with the American Express Team for Credit Limit, who suggested that pre-paying my card could potentially increase my spending limit. However, it appears there has been an issue. 

I pre-paid around {$4600.00} for a larger spending limit on my card ending in XXXX. Despite recently undergoing a Financial Review, which concluded last week, my account was unexpectedly suspended again today. It seems that the suspension occurred when American Express noticed the substantial pre-payment. 

This situation is troubling as it feels like my account is being suspended to utilize the pre-paid funds for American Express 's business expenses. I find this practice unacceptable, especially considering that my account is not suspended when there is no pre-payment. It appears that the suspension occurs only when American Express observes a negative balance, allowing them to make use of customer funds. 

I kindly request clarification on this matter and a resolution to ensure fair and transparent practices. 

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

went to buy a car and got about 100 inquiries from a dealership
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have 7 unauthorized inquiries on my credit report on XXXX from the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX unauthorized inquiries on my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Checking or savings account

I opened an account online with Citibank on XX/XX/22 before I even received the banking documents/card in the mail the account had been compromised. On XX/XX/22 someone credited by account for 2 minimal transactions totaling XXXX cents. The following day a debit was made for XXXX  ( which i have since learned is cryptocurrency ). Over the next five days numerous transactions kept getting debited for XXXX  in escalating amounts, which Citibank allowed and didnt think was a red flag! The total amount fraudulently is {$3400.00}. I then received a letter advising my account was closed so I went into the local brank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out what was going on ( as at time I had no knowledge of any account activity ). A banker assisted me in opening a case. I was provided case # XXXX. Further, I was also told an investigation would be opened at that I need to contact the local police and credit card bureau, which I did. I also have notified the FTC and the Internet Crime Complaint Center. Additionally, I attempted to reach out to XXXX however they dont have live help an can only notify them online which I did. To date I have yet to receive the fraudulently taken funds which Citibank allowed on this account. I have reached out NUMEROUS TIMES via in person and on the phone and have a long trail of same and keep getting passed in a circle of abyss where no one can help me ( the branch will refer me to the fraud dept, the fraud dept refers me to the Account Takeover Dept who then refers me bank to the branch and all are utterly useless and have no clue or flat out lie! ). Today was the final straw. After spending an 1.5 hours on the phone ( for the 4th day ) I was told to go into a branch and hung up on when I asked for a supervisor concerning status. I then went into the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was rudely advised by manager, XXXX XXXX XXXX XXXX XXXX ( who would not provide me with her business card ) that there is no investigation, there never will be and they dont have to do anything, tell me anything or refund me my money! If I dont like it sue them! She further would not give me any contact information for anyone that could assist or of corporate.
Product: Vehicle loan or lease

Re : BMW Financial Services XXXX XXXX XXXX # XXXX On XXXX XX/XX/XXXX, I prepaid excess miles on lease expiring in XXXX in the amount of {$5500.00}. On XXXX XX/XX/XXXX, I entered a new lease on a new XXXX, but XXXX problems arose. First, the local dealership did not credit my closing lease account the final months payment or {$1300.00} including taxes. Also, I was overcharged {$400.00} on damages I did not acknowledge although I did sign off on {$2100.00} in repairs when I returned the car. When I contacted BMW Financial they said to contact the local dealership. The dealership said to contact BMW Financial. Round & round this went for some time until I called the Presidents corporate office & I started to get help with a resolution. However, I overpaid by {$270.00} & BMW Financial is refusing to reimburse me although the manager XXXX on XX/XX/XXXX agreed to do so after a 30 minute argument on the phone as he kept playing a shell game. I demanded a full credit of {$270.00} & he only would accept a {$73.00} credit. Despite this no refund whatsoever! Today, I tried again online & got the run around again. Out of frustration I am filing this complaint. Im a great long term BMW customer. If they are treating me like this I have to imagine their unethical practices are widespread.
Product: Checking or savings account

I was charged for multiplXXXX XXXX  transactions I didn't authorize nor initiate. I filed a dispute. It was denied. I filed an appel and provided answers to their questions regarding my stolen phone and wallet. My appeal was denied due to " charges match spending habit and charges requirf verification and verification was provided ''. I contacted XXXX who confirmed the charges were automatic to my payment method and authorization nor verificarion was provided.
Product: Consumer Loan

My problem with Circle bank lending is with the discouragement of making extra payments on your loan. They charge a XXXX Special payment fee for anything other an EFT. There website does not provide any ability to make an extra payment. In addition they do not report accurate information to the credit bureaus I have had my loan for 1 year and according to my XXXX credit report I have only paid 3 months ( no lates ) -
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report, and I noticed some account on my consumer report that should not be there. This agency is in violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. They were to notify me of this in writing 5 days prior. I was not notified. 

I am distressed that you have included the information below in my consumer profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
TransUnion : Account names : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. TransUnion and XXXX Failed to provide any proof that the item belong to me. I do not consent to XXXX or any means of automated verification. 
This is caused me : Defamation, Violation of the fair Credit Reporting Act, Financial Injury. You have Hurt my ability to obtain Credit.
Product: Debt collection

Hillcrest Davidson and Associates representative names XXXX was put on the phone to discuss a debt issue with me, he demanded payment immediately otherwise he will damage my credit. I tried to explain the situation that this XXXX account is for business and my boss is the one who is responsible for this and I was proactive with XXXX and get all written notice to XXXX within the timely fashion but the XXXX XXXX XXXX company decided to send to collection anyway. After trying to explain to XXXX, he was rudely refused to wait, and threatening to damage my credit if I am not giving him payment, then I asked them for the amount owed and telling him that I will tell my former boss to send payment, and that still does n't make him satisfied unless I pay him right away. Then I told him that according to FTC, and consumer right to request a written statement mail to my mailing address which I offered to give XXXX but he refused to give me any statement, and hung up the phone. I called him back couple times after, and verbally requested a letter with his firm and amount owed so I can forward to my former boss. XXXX again refused to give me anything. I told him that I am not trying to avoid the payment but I need to contact XXXX and local installer to get to the bottom of this but XXXX did not want to hear anything or give me anytime to gather all of my documents. The way XXXX talked to me was rude, unprofessional and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an Experian alert regarding a credit inquiry made by XXXX  XXXX XXXX on XX/XX/2023, without my consent or authorization. It is crucial to note that my Experian report includes a fraud alert, which mandates that any company attempting to access my records must first obtain my approval, as stipulated by Section 1681b ( c ) ( 2 ) ( E ) of the Fair Credit Reporting Act. Unfortunately, XXXX XXXX XXXX failed to comply with this requirement. As a result, I have the right to request the removal of this unauthorized inquiry from my credit report.
Product: Credit card or prepaid card

Citi Card is denying my application stating that I have held a previous account with this company. I never been a customer with this credit company. Years ago there was a fraudulent credit established in my name. I sent in all documentation proving that I'm a victim of identity theft. The account was removed from my credit report. Citi is still denying my application. At this time I feel like I'm blacklisted or being profiled.