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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX  XXXX - Account XXXX This is not mine. 
XXXX - XXXX XXXX  - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX - Account XXXX Please remove it from my public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the proper documents showing that i was the victim of Identity theft. Please solve this problem ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I canceled my services with XXXX XXXX because of move. All equipment was returned and no bill or existing balance was due. I was never billed for any existing balance and found out through XXXX that my XXXX XXXX  balance is in collectIons. 
Upon seeing this on my credit report I immediately contacted global radious solutions and paid the balance in full. I was never given a bill or a chance to bring my account to paid. I should have been given at least 30 days to pay my balance. No more than 90 days had passed since I terminated my services with XXXX. I had excellent credit up until this derogatory remark became a part of my credit report. I should not be punished with this negative impact on my credit score. Please let me know what I need to do to have this removed.
Product: Student loan

Requested a refund for {$1900.00} on XX/XX/22. They took my email and said they would process the request, and gave me no additional information. I called them back again on XX/XX/22 to request an update and they said it still was waiting to be processed. They refused to give me a timeline of when I could expect to have the money back, and said that they couldnt send any email updates or documentation. I am trying to plan this refund for my student loan forgiveness and its impossible to do so when they wont to give the refund or even a timeline, and it is weird that they wont even give proof of the refund request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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 including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are continuing to report incorrect information on my consumer reports. Under federal law consumer agencies are required to maintain 100 % accuracy and in this case they are not. There are several name variations and address that are incorrect and should be immediately deleted. 

My name is XXXX XXXX there should be no other names listed on my consumer report or aliases. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Bank account or service

This is just a follow-up on the complain I submitted XXXX XXXX with case # XXXX. I have contacted Macy 's executive office after CFPB contacted them. On XXXX XXXX, XXXX XXXX XXXX of Macy 's executive office send me a letter saying after their further investigation, they located the payments that were made using my checking account. Her letter also indicated that the amount {$380.00} will be refunded back to my checking account and allow 3 to 5 business days for processing. ( that was XXXX ) Her letter indicated a wrong account number ( account ending in XXXX ). Since the incident, I have closed my Checking Account. My account number is XXXX XXXX XXXX XXXX, account # XXXX. After a few phone calls ( leaving messages all the time ) I finally talked to her and gave her the correct account number. That was XXXX XXXX. Maybe with your help, XXXX will finally resolve this problem. XXXX XXXX phone at XXXX is XXXX Extension XXXX. Thank you so much.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all 3 bureaus ( XXXX, XXXX XXXX, and XXXX ) : Loan ME LVNV Funding XXXX XXXX These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 Per the laws and regulations stated above, these items must be deleted from my credit report within the next 7 days.
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint against [ Debt Collectors Name ] for their unlawful and deceptive debt collection practices regarding a vehicle that has been fully paid off. The actions taken by this company are not only inaccurate but also in clear violation of my rights under federal and state consumer protection laws. 
Background of the Issue : I purchased a [ XXXX Toyota Corolla ], and I successfully completed all loan payments on [ Date ], as confirmed by my lender, [ Toyota Financial ]. 
Despite this, I have been receiving persistent and harassing collection attempts from Toyota MTR CREDIT DISPUTE RESERCH TEAM XXXX TX XXXX XXXX ( XXXX ) XXXX [ ], falsely claiming that I owe an outstanding balance. 
I have repeatedly provided proof of final payment and loan closure, yet they continue to pursue collection efforts, including calls, letters, and potential credit reporting actions.
Product: Credit reporting

I went online to the site where you order your free yearly credit reports, as required by law. Both XXXX and XXXX complied immediately online with no problems. Experian, however, did not, and has yet to provide my yearly credit report. Additionally, I have gotten at least XXXX negative credit rejections within the past 4-6 weeks, all based on information provided by " Experian '', of course, so I can not even see what they are reporting. This is unfair, and they should have to comply the same as XXXX and XXXX. Please help me get my credit report from Experian. 
Thank you for your anticipated assistance, Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Pursuant to 18USC871 act of extortion for any alleged debt owed is a violation of consumer law. According to 18USC8 anything purchased with my SSN ( personal identifier ) is an obligation of the United States and anyone attempting to collect a debt is guilty as pursuant to ( FCA ), 31 USC ( XXXX ). This debt is to be discharged at once in remedy of the natural person
Product: Credit reporting or other personal consumer reports

Trans Union has failed to generate accurate credit records and account information to provide me an accurate credit score and report. This failure by TransUnion has caused denial of credit and difficulties establishing lines of credit because of this problem
Product: Mortgage

I entered into a covid-19 forbearance plan while loan was serviced by XXXX XXXX XXXX  XXXX The loan servicing was sold to Chase Bank shortly thereafter. Chase basically ignored the plan and they pulled payment from my account on both XX/XX/XXXX and XX/XX/XXXX, for payment of XXXX and XXXX. In essence they ignored the forbearance plan and brought me current as if I weren't on a plan.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate accounts on my report and keeps sending me emails saying the dispute letters do not appear to be me when I send them certified mail and provide my driver 's license and other forms of identification. The following accounts need to be deleted immediately for inaccurate reporting of the FCRA. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I am attaching the dispute letter, and it needs to be honored. I am also involving my lawyer for violations of my consumer rights, and Experian refusing to honor my several requests to remove inaccurate accounts from my report also, refusing my dispute letters is a clear violation of my consumer rights. They continue to send me emails stating my letters are not mine when they are, and I've sent them certified.
Product: Credit card or prepaid card

Time after time, since XX/XX/XXXX, COVID-19 Pandemic, as a XXXX XXXX XXXX long time customer, who has written letters, Emails, phone calls to plead for help because WF had agreed with the federal govt, and state gov't to help their customers who ask for help, and I believed that. After two hardship letters to XXXX XXXX,XX/XX/XXXX XX/XX/XXXX WF, and Email pleadings, to lower their punitive interest rate, they refuse. A PUNITIVE {$80.00} plus per month could help pay for my utilities, food, etc. WF claims they help people and are equitable. I see no equity in their practices. I see some age. and marital status discriminatory practices. 

Even my credit union has helped my out. Shame on Wells Fargo, for letting their elderly customers, suffer more harm by not even going our of their way to help. 

I can understand why WF is involved in so many class action lawsuits. WF did not even help me out when I wanted to refinance my home where WF held the mortgage of XX/XX/XXXX years. A divorce. AfterXX/XX/XXXX years with no alimony put me in a financial hardship. After filling out their application, which was an invitation from WF to refinance my home at a lower mortgage rate, WF put me through a futile exercise of paying the mortgage for XX/XX/XXXX months ( in 2015 ) on my own, which I complied with, which resulted in turning me down, and I had to sell my home. 

Fast forward to COVID-19 Pandemic, they are still denying help to me, a XXXX XXXX XXXX long time customer. These punitive actions on WF 's part should be addressed. Age and Marital status in my opinion, is not being dealt with equitably or justly by WF.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX IN XXXX XXXX Owed : {$680.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Owed : {$680.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

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

I looked at my Transunion Credit report on XX/XX/XXXX ( XXXX ) for XXXX XXXX, XX/XX/XXXX ( XXXX ) for XXXX, XX/XX/XXXX and XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ) for XXXX XXXX, XX/XX/XXXX ( XXXX ) for XXXX, XX/XX/XXXX ( XXXX ) for XXXX  And XXXX, XX/XX/XXXX ( XXXX ) for XXXX, according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5, they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Early Warning Services, detailing the violation of my consumer rights. I have attached relevant documentation, including correspondence with Early Warning Services, to support my complaint.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I applied for a auto loan at One auto dealer and it is now showing that I have XXXX hard credit inquiries so of of the other dealerships I visited must have done a Hard inquiry when I did not give them permission ... the only auto dealer that should have done a hard inquiry on my credit is XXXX XXXX and no one else was given permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

My credit score doesnt go up for long time and i see some credit accounts that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with XXXX and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms