23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am disputing the fact that Consumer Portfolio Services still says that I owe a balance at the end of my loan. I attempted to send a certified letter to CPS on XX/XX/2022 as instructed on their website and the form that is provided for official disputes. This letter was returned by the post office on XX/XX/2022 with a stamp saying that the address that was listed on the letter and envelope was an insufficient address. I have provided a scanned copy of the letter when it was returned to me today. As you can see by the letter that was included, I used the address as instructed on the form. I also listed the contract for my vehicle. If you look on the second page, Section 1 C : Finance Charges and payments ... .. How late payments or early payments change what you may pay .....

. " we based the finance charge, Total of payments, and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due.

Your finance charge, total of payments, and total sale price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. '' My original final payment was due XX/XX/2022 ( see attachment ). Consumer Portfolio Services did not send any notice regarding how the additional changes, if any, would be handled-per the contract. I, therefore, declare that there were no further charges and request the title to this vehicle. 
This has caused great stress to me. I have XXXX, XXXX, and XXXX and it has exacerbated symptoms that I thought I previously had under control. I have tried contacting CPS per their instructions but have not any any success. 
Arbitration is what is listed for a dispute, but I have also included a copy of their arbitration form and as one can see, it has the same address as the form that was returned for insufficient address.
Product: Debt collection

My Target card was included and discharged with the bankruptcy I filed. However, the account is inaccurately reporting as a charge off with an increasing balance every month! I have disputed with the credit bureaus, contacted the company to resolve it, uploaded proof of the bankruptcy payments to Target from the bankruptcy trustee, and also uploaded the paper I received from the bankruptcy court verifying the account has been discharged.
Product: Debt collection

I want to nwcs to try to get this off my credit report a few years ago with no success, the company name is Real Time resolutions Inc it has been like 15 years I want this remove from my credit report. The amount is for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below 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 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 XXXXXX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 furish 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

Urgent Resolution Required for Inaccurate Reporting on Consumer Report I am reaching out formally to express my frustration regarding the lack of response from TransUnion on the CFPB complaint I submitted on XX/XX/year>. This complaint pertains to XXXX XXXXXXXX XXXX inaccurate reporting of late payments on my consumer report. According to Section 1637 ( b ) of the U.S. Code, these payments should not be marked as late. 

Despite the legal requirements, I did not receive a reasonable resolution within the timeframe mandated by 15 U.S. Code 1666b - Timing of Payments. As stated in this code, " 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 to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date '' 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 It has been 30 days since I filed the complaint, and I request that these late payments be removed from my account immediately, as they are causing significant harm to my creditworthiness. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XXXX XXXX here- Hope could you help me wit a issue Im having with my fifth Third bank- I deposited my personal income tax refund & a day after funds cleared, they froze funds for no justifiable reason. On the grounds that its was thought to be a fraudulent check because I wrote a money order. 

I feel as though it may be an aspect of racial profiling to this situation due to when I went to an Indiana branch of and as I sent in my deposit slip & identification into the teller- I was met wit a barrage of odd questioning & suspicion souly due to the amount I was depositing ( {$22000.00} ). I was asked why didint I have direct deposit & why were my funds in check form. 

From there, I was told I would not be allowed to withdraw the funds I wanted to & that the check would have to undergo further investigation in Fifth third back room - and that they branch had had a lot of fraudulent tax refund check & that Id have to assumed to be doin something nefarious. 

A day after my account was frozen & was instructed to contact fraud department where I received the same line of odd question & asked to send over documents I didnt think were pertinent to the investigation. 

I was told by investigator XXXX XXXX he thought it might be a situation where I mightve withdrew funds for the purpose of giving a portion to someone I met on XXXX. 

Which completely floored me- I was told that theyd have to send my funds back to the IRS & close my account & id have to talk to the IRS for more answers. 

I was also asked to send document like my 1040 to prove that I was receiving the appropriate amount from the IRS. Which I took as flat out racial bias, that a XXXX XXXX man like myself could not possibly legitimately file & received a refund for this amount. 

Theyve now closed my account & claimed to sent funds back to the IRS on the grounds that theyve made a business decision. 


Fifth third bank has a history of racial descrimnation & I cant believe they are employ these type of practices during a time in our country like this. 

As a consumer Id love you help in this matter. 


Sincerely XXXX XXXX Fifth third investor over my case- Investigation Supervisor XXXX XXXX XXXX
Product: Student loan

Payments that I made from XXXX to XXXX on my student loan are missing and do not show on MOHELA website. I requested this information and they did not mail it to me, and they did not update their website to show all the activity on my loan. 

I also just made two payments in XX/XX/XXXX and one of the payments are missing. I submitted a complaint and I am being ignored again. I made a payment of {$22000.00}, and {$10000.00}. The payment of {$22000.00} was posted and the other payment is missing. I submitted a complaint on MOHELA website asking about this because both payments were made at the same time and my bank show all the money coming out. I have been ignored. The problem is interest will keep accruing on a payment I made. 

MOHELA does not show ANY of my payments from XXXX to XXXX and I have been requesting this for a long time now even through CFPB, and they have not sent any documents that show ALL of my payments from XXXX.
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 XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts in my name on my XXXX credit report that I dont have a clue about. XXXX is XXXX XXXX XXXX and the other is XXXX XXXX XXXX My idenity was stolen and used to recieve credit cards that I didnt consent too. I am filling this report to press charges.
Product: Debt collection

XX/XX/XXXX     - negotiated total out of pocket expense with medical provider.    XX/XX/XXXX  - billed {$280.00}, in addition to insurance payment, for previously negotiated  XXXX .    XX/XX/XXXX  - disputed collection attem pt b y H & R Accounts c iting the Fair Cre dit Reporting Act US C 1681s-2.      XX/XX/XXXX   -  H & R Ac  counts re ported non-payment of disputed debt to  XXXX ,  XXXX  and  XXXX .  H & R Accounts   did not indicate in their report, in violation   of the Fair Credit Reporting Act, that the debt was disputed. Following is the relevant excerpt from the act :  605.  Requirements relating to information contained in consumer reports  [ 15 U.S.C.   1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ]     that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.     I 've info rme  d H & R Accounts th at they are in violation of the Fair Credit Reporting Act and asked them to remove the reports.
Product: Debt collection

I have been receiving repeated calls from a private number at work. When I answered the individual informed me they were from World Wide Assets and this was an attempt to collect a debt. I then informed him that I was at work and could n't receive personal calls at my work number and asked that all calls stop and I hung up. He then called right back and I reiterate that I could n't have personal calls at work and hung up again.
Product: Debt collection

From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.
Product: Credit card

Review credit reports and found a discrepancy of a store credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX XXXX XXXX XXXX  was never used or ever been applied for by the complaintant. This XXXXXXXX XXXX XXXX XXXX is demanded to remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Debt collection

I have a collection with Franklin Collections Services on my credit report saying I owe money. I don't owe any money to this company. I paid the XXXX XXXX XXXX directly so I don't know why they put this on my report. I disputed this and it's still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX, 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 an account without my written instructions
Product: Credit card or prepaid card

On Tuesday, XX/XX/2018, I ordered {$180.00} worth of clothing from an international company XXXX located in XXXX XXXX through PayPal. On XX/XX/2018, I checked the tracking number of the merchandise through the company 's website. The company showed the items were delivered to my address in XXXX, NY on XX/XX/2018. I live at a private residence and I checked with everyone who lives in the household and surrounding neighbors to see if they may have my package. They all assured me they did not have the package. I notified the company directly in early XXXX that I did not get the items. The company asked me to check with my local post office ( XXXX Post Office ). On XX/XX/2018, I went down to XXXX 's post office with the tracking number and asked if my package was still there. The clerk referred me to the supervisor who informed me the package was misdelivered and they were working to retrieve it from the address where it was delivered to. After going back and forth with the post office for weeks I was told they could not retrieve the package and I would not be able to file an insurance claim through them because I did not take out insurance through their ( USPS ) organization to cover my loss. My last alternative was to ask Paypal to investigate the matter and that I had proof that I never actually received my package despite what the tracking information showed. Paypal  Credit refuses to give me a refund although the post office and the company agreed that the package was lost.
Product: Debt collection

On XX/XX/XXXX, I was contacted by XXXX XXXX from Legal Recovery Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
Product: Checking or savings account

XXXX XXXX has already attempted to close her account shared with her deceased son XXXX XXXX multiple times, she is told it is closed, and then we receive messages about insufficient funds. XXXX visited a branch in XXXX Oregon shortly after XXXX passing XX/XX/XXXX, notified the bank of XXXX passing and withdrew the funds to close the account but the account was not closed. Again XXXX went into a branch XX/XX/XXXX to close the account, was forced to pay XXXX for an NSF fee to close the account and asked to close the account. On XX/XX/XXXX we received another NSF fee.
Product: Checking or savings account

I had been waiting over a month to get a check from my great aunts estate after she had passed and I finally received the check for {$2000.00} on Monday, XX/XX/XXXX. This check is from XXXX XXXX, where my great aunt had a trust account for her estate. I signed the check and deposited through my Wells Fargo XXXX app and within 30 minutes I had received {$400.00} of the 2000 which I used 100 to pay off my credit card, which is also in Wells Fargo. I woke up today, the morning of Tuesday, XX/XX/XXXX to $ XXXX in my account and a notification that the entire {$2000.00} check is now on hold. 

I now am scrambling to find money to deposit into my debit account to avoid overdraft fees from a credit card payment which I never wouldve made had I known access to my own money would be restricted the following day. It is still Tuesday, XX/XX/XXXX and I just returned home after having a discussion with a banker at my nearest Wells Fargo branch, who while courteous, was still unable to release any of the check, let alone the portion that was released and used yesterday. My brother and grandmother both received checks from the same trust account, signed by the same lawyer, but they deposited in XXXX and have not had any issues in their process, this seems purely a Wells Fargo issue. 

I feel this is an extremely predatory practice, because now not only are they holding onto my money till XX/XX/XXXX for no apparent reason, but they also granted me access, allowing me to spend money just to then take away access and make that money spent be subject to an overdraft fee.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate 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 and update them immediately in my report : 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

I checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and equifax. 
XXXX ( XXXX inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries
Product: Debt collection

I have spoken with XXXX XXXX about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.
Product: Credit reporting or other personal consumer reports

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.XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX 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.