23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was still reporting erroneous. The XXXX and TransUnion credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1800.00}
Product: Mortgage

Specialised Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Product: Student loan

I am trying to receive updates on the status of my XXXX application. My XXXX  loan servicer is Edfinancial. I completed and submitted my XXXX application on XX/XX/2023. I emailed the customer service department at Edfinancial on XX/XX/2023 since I had not received any updates at that point. On XX/XX/2023, Edfinancial emailed me back stating that it takes 30 to 45 business days in order to be processed. It has been nearly 45 business days as I write this complaint, XX/XX/2023. I emailed Edfinancial 's customer service department again this morning ( XX/XX/2023 ) stating the issue that I am having. As I was writing my email to Edfinancial, I was also on hold with Edfinancial regarding the same issue. My estimated wait time was 89 minutes. I waited on hold for roughly 100 minutes before I decided that I could not wait any longer.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to file a formal complaint regarding an issue with my auto loan that has persisted despite my attempts to resolve it with my lender. My auto loan account number is # XXXX, and it was with consumer portfolio services inc. 

In XX/XX/2023, my car was declared a total loss due to an auto theft. My insurance company, XXXX XXXX, paid off the remaining balance of the loan in full. I received confirmation from both my insurance company and the lender that the payment was processed and the loan was settled. 

However, despite the loan being paid off, I have continued to receive billing statements from consumer portfolio services, indicating that I still owe money on the account. I have contacted the lender multiple times to resolve this issue, but they have failed to correct the account status and stop the billing. 

This ongoing issue has caused me considerable stress and has adversely affected my credit score, as the lender has reported these supposed missed payments to the credit bureaus. I believe this is an unfair and deceptive practice and is causing me undue financial harm. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that consumer portfolio services, corrects the status of my account to reflect that the loan was paid off by the insurance company in XX/XX/2023. Additionally, I seek the removal of any negative information related to this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from XXXX, Transunion and XXXX contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. As far as I am aware, neither Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX have no permissible purpose to access my consumer report
Product: Debt collection

this account was put in my credit report falsely. I want it removed
Product: Credit reporting or other personal consumer reports

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning this account : XXXX XXXX XXXXXXXX. 

The company has acknowledged this errors and committed to updating the status to open/never late. Other credit bureaus have already rectified the status of this account after the company acknowledged the inaccuracies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX INQUIRIES : XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a line of credit with a " no credit check '', " open credit check '' company named XXXX at XXXX. When I opened the line of credit with XXXX, it was sold to me as a no-credit lease to own type of program, that acts like a credit card. I verified with the sales associate multiple times that they do not report my account to the credit bureaus as I did not want to affect my debt-to-income ration. I needed a computer after mine failed and needed it asap as at the time I worked from home. I carefully reviewed many options including traditional credit sources and purchased with XXXX as the representative stated that I would have to manually fax a form in to get my credit info, and turn it in to the respective bureaus for credit. They have since reported multiple months to the credit bureaus, and even though they are reporting good credit history, I accepted the loan under the premise that this account not be shared with the three major credit bureaus. I have attempted to call and speak to a supervisor multiple times and only am afforded the opportunity to speak to a low level employee in a foreign country. I have been consistently promised a call back to resolve the matter, and it still goes unresolved. This company is using dirty tactics to get business and I believe is either unethically or illegally taking advantage of me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EXPERIAN AND XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have been trying to get " Account in dispute '' removed from my credit report for almost a year with no results. I am not disputing any accounts that are being reported as an dispute and never have. After sending multiple letters, all XXXX credit reporting agencies have responded with adding an additional remark that I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a total of three letter asking verification for a presumption of 60 day late on my account. They were delivered XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. I haven't receive any verification from AES that my account is being properly reported to the credit report. They have failed three times to provide me that information.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( XX/XX/year> ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Student loan

I had participated in the California State Loan Repayment program. Payments were made to Nelnet through this program. My loan balances I was told were paid off, I owed nothing. This was XX/XX/XXXX. In XX/XX/XXXX I  was notified that I had 2 loans in default with a balance of $ XXXX.I began paying these loans. In XX/XX/XXXX I called Nelnet to inquire about the balance and I was told the 2 private loans were now being serviced by XXXX XXXX. BUT -- they told me I had yet another student loan with a balance of {$1300.00}, this one was a, Federal loan. 
Again, I hear nothing. I repeatedly asked for a detailed accounting of the loan history -- payments and balance.I received nothing.Now, my Federal tax return was intercepted by XXXX XXXX for {$1900.00} and when I called them today I was told it was now with XXXX XXXX ... but it was paid by IRS. I call all parties aforementioned and get no information or help. 
Please help me!
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has violated my consumer rights I submitted a complaint on XX/XX/XXXX. They replied on XX/XX/XXXX that it would be XXXX XXXXays. 
Today is XX/XX/XXXX. I have not received anything about the error on my report. 

The XX/XX/XXXX late payment on the XXXX account needs to be updated to current I will be seeking litigation if this is not corrected as it is causing defamation of my public appearance 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 states a consumer agency has to have written consent 15 USC 1666b states a creditor cant treat a payment on a credit card as late See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have no knowledge of a XXXX account that is being reported on my credit and I would like for it to be remove. I uploaded a copy of my identity theft report
Product: Credit reporting or other personal consumer reports

I am writing to formally revoke my prior request dated XX/XX/XXXX, regarding the blocking and deletion of the XXXX XXXX account from my credit report. Upon further review, I have determined that the account in question is not fraudulent and does not meet the criteria for removal under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Details of the Account Previously Reported : Account Holder : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2100.00} Please reinstate the account to my credit file in its original state. I understand the importance of maintaining accurate information on my credit report and wish to ensure that my file reflects truthful and up-to-date data. 
If you require additional information to process this revocation, please do not hesitate to contact me at XXXX. 
Thank you for your attention to this matter. I look forward to your confirmation of the reinstatement of the account. 
Sincerely, XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card or prepaid card

I have a credit account with Paypal which uses Synchrony bank, they offer promotions such as six months with zero interest or zero interest with twelve easy payments. The problem is when I added auto pay I divided my balance by the number of promotional months and it would insure I would pay it off on time. When there is more than one promotion their computer allocates the payment not the consumer/me.

When I attempted to make extra payments I could not specify the allocation of where  the payment would be applied. I called and complained and they told me I would have to call them next time and make a payment to control where the payment would be allocated. I tried that and the payment still was not applied where I wanted it. I also had made a purchase for 12 easy payments, every month the auto payment was taking two payments and not one and putting less on the balance that needed it most. I have been struggling with synchrony bank for three months now, each month I get frustrated and have to call several time in an attempt to correct the payment allocation only for the payment to get messed up again the very next month. The last time I got so frustrated that I called and attempted to pay off the balance, I stated that I only wanted to pay off the six month balance at least six times and it did not pay off the balance because it applied 1 extra payment to the 12 month payment loan, the 12 easy payments keeps taking additional payments from every payment, this seems illegal. Where are my rights as a consumer?

This seems unethical that the bank or its computer makes my decision for me and takes away my autonomy. It also feels like synchrony bank intentionally sets people/me up to fail so Synchrony can go back to the original purchase date and charge customers/me outrageous interest rates. I know if synchrony bank is doing this to me they are also doing it to many under served people. The only solutions I can think of is to never have more than one purchase/promotion at a time or cancel the credit line altogether. 

Synchrony bank claims they are working on changing the computers algorithms and interface to offer the consumer control of their payment allocation rather than the computer deciding for you which currently works in the the banks best interest not the consumers. The customer service agent I spoke with stated that these kinds of things take a very long time to correct, hopefully enough people complain and give pushback to help them change it faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$57000.00} auto loan, on my credit report from XXXX XXXX. I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX XXXX  and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Product: Credit reporting or other personal consumer reports

I did a recent check on my credit report, and I found out that Experian has my personal information which is my address wrong. 

I need for them to address this matter. Correct my address.