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

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> XXXX : XXXX My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. jpmcb auto finance XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District CourXXXX, XXXX District of California, ... 

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Product: Student loan

I refinanced my private student loan with MEFA. Previously the loan was serviced by XXXX XXXX. The new MEFA loan is services by XXXX  XXXX. It took longer than anticipated for MEFA to satisfy the previous balance, therefore I made an additional payment of {$540.00} with the prior servicer ( XXXX XXXX  ). The loan was paid by MEFA around the end of XXXX. I called MEFA and asked when the first payment would be due, I was incorrectly told XX/XX/XXXX, the month after the payment. I was also told to contact the new servicer XXXX  with any additional questions.I then called XXXX to confirm where the excess would be sent. XXXX XXXXXXXX stated that it goes to whoever made the last payment, which in this case would be MEFA. 
In early XXXX I contacted XXXX  but they did not have my loan on file yet. I was able to set up an online account with them on XX/XX/22. This is when I found out the first payment was due XX/XX/22. I contacted XXXX  via phone to find out why the payment was earlier than anticipated, and what the disposition of the extra {$540.00} payment would be. The XXXX  representative stated it was due XX/XX/22 because the payoff was mad in XXXX. The representative also stated that the {$540.00} would be applied to the current bill, and any excess would go towards the principle. About a week later I called XXXX  again because I was concerned with the overpayment check arriving before XX/XX/22. The second XXXX  rep told me, via phone, that when the check is received it would be applied as stated above, but if I was concerned with it arriving late I can just make an additional payment. I stated that I did not want to pay twice, to which the rep-stated, any extra payment would just go to principal. 
Today I reviewed my XXXX  account and it is listing the {$540.00} was applied to principle only and not to the XXXX amount due of {$520.00}. It also stated that my account is now 11 days past due. I then live chatted with a rep who stated, for the first time, that lender payments can only be applied to principal. This is not listed anywhere on the website or in the MEFA loan agreement. Then the rep tried to say since the payment was made to the previous servicer before the loan was dispersed, it has to be applied to the principal. Which is also not stated anywhere on XXXX XXXX website or the loan documents.
Product: Mortgage

The escrow account was negative in the amount of {$1000.00} for homeowners Insurance was XXXX payoff. I do n't agree with the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove all Fraudulent Accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach Identity Theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Phoenix Financial Serv has sent a negative report to the credit bureaus on XX/XX/2023 and I don't know why, or what they mean by this value or this charge, besides not recognizing this report, there is no evidence or evidence in my hands of being notified. I do not accept this violation of my rights as a consumer and I am abiding by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a Dispute with XXXX and Experian credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX  XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX bankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you
Product: Debt collection

On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left. 

Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.
Product: Credit reporting or other personal consumer reports

Trans union and XXXX credit bureaus have been sent countless correspondence via phone and email regarding the inaccuracies on my credit report, yet they continue to report fraudulent accounts as opened. I have called both both credit bureaus and a couple of debt collection companies regarding these fraudulent accounts asking them for the usual verification, debriefing them about the accounts being open fraudulently, yet they continue to report them as open. I have issued these violators cease orders, yet they continued their attempt to collect. 

Below are a list of the companies in violation : Trans union : XXXX XXXX XXXX- {$130.00}, no verification of any kind of debt, cease and desist order, continues to inaccurately report fraudulent accounts. 

XXXX : XXXXXXXX XXXX XXXX XXXX- {$3300.00}, cease and desist notice, inaccurately reporting a fraudulent account. 

XXXX XXXX XXXX XXXX {$1400.00}, cease and desist notice, inaccurately reporting a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was not informed about information of my credit being provided to this company at all I was told I would have XXXX inquiry and I have multiple on the same day for the purchase of XXXX vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XX/XX/XXXXand 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 to be removed/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.

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!
Product: Debt collection

I am filing this complaint against LVNV Funding LLC regarding account number XXXX for its repeated violations of my consumer rights under the FDCPA and FCRA. Despite disputing this information with XXXX, these violations persist, causing significant financial distress and preventing me from accessing housing and other essential resources. Below are the specific issues : Misrepresentation of Debt : LVNV Funding LLC has repeatedly reported and attempted to collect a debt of {$870.00}. This amount has been inaccurately reported for the last seven months, and the collection agency has improperly reset the seven-year reporting period each month. This violates 807 of the FDCPA.

Inconsistent Reporting of Active Dates : The collector has reported conflicting " Date Last Active '' records across multiple instances, including but not limited to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inconsistencies violate the FCRA 's requirement for accurate reporting ( 623 ) and demonstrate an attempt to manipulate the debt 's reporting timeline, effectively renewing the collection period without legal grounds.

Failure to Accurately Report Information : LVNV Funding LLC has furnished inaccurate information to credit reporting agencies. Despite my disputes, they continue to verify this false information, violating 623 ( a ) of the FCRA.

Impact of Identity Theft : I am a victim of identity theft and have informed LVNV Funding LLC of this issue. However, they have failed to provide proper documentation validating the debt as required under 609 of the FCRA. Their actions are further harming my credit profile and violating my rights.

Economic and Emotional Harm : These inaccuracies have caused significant harm to my credit score and profile, resulting in the denial of three rental applications and credit opportunities. I am in financial distress, expecting a child, and was displaced during Hurricane Milton. These
circumstances have exacerbated the harm caused by the companys actions.

Laws Violated FDCPA : 807 ( false or misleading representations ), 808 ( unfair practices ), 809 ( validation of debts ).

FCRA : 611 ( dispute process ), 623 ( a ) ( accuracy obligations ), 605A ( fraud alerts for identity theft ), 609 ( documentation requests ).
Product: Consumer Loan

Toyota Financial reported a late payment on my credit in XX/XX/2017. I have no late payments and after speaking with them, they said they have no record of it in their system so they ca n't do anything about it. I am in the process of purchasing a home and this error by them caused my credit to drop below the acceptable rate to acquire a home loan. After repeat calls to Toyota they still wont correct their error.
Product: Credit reporting or other personal consumer reports

This claim is made to dispute the reporting of late payments on my credit card account number XXXX with NAVY FEDERAL CREDIT UNION. I have not received any billing statements or notifications of late payments from XXXX XXXX XXXX XXXX XXXX ). This violates 15 U.S.C. 1666c ( a ), which requires creditors to send periodic statements at least 21 days before the payment due date. There has been no communication informing me of the billing cycles or due dates for my payments during the specified periods. This is contrary to the requirements of 15 U.S.C. 1637 ( b ). I have made several attempts to resolve this issue, including contacting NAVY FEDERAL CREDIT UNION and the credit bureaus to inquire about the missing billing statements and the erroneously reported items on my credit report. 

I formally request that NAVY FEDERAL CREDIT UNION correct the inaccuracies in my credit report by removing all reported late payments that do not comply with statutory requirements, as outlined in 15 U.S.C. 1681s-2 and UCC 9-210 . Specifically, UCC 9-210 grants me the right to request an accounting or a list of collateral and imposes a duty on the secured party to provide such information within 14 days of the request. 

Specific Incidents Non-Receipt of Bill Documents : I have not received any billing statements or notifications of late payments related to my account. This failure to provide the necessary documents means I was not made aware of any impending payment due dates or late payment statuses. 
XXXX. Lack of Notification : There has been no communication, whether by mail or electronic means, informing me of the billing cycles or the due dates for my payments 21 days before it was due. This lack of notification directly contravenes the statutory requirement to ensure that periodic statements are delivered no later than 21 days before the payment due date. 
XXXX. Reporting Errors : The high credit reported by XXXX as {$0.00} is inconsistent with XXXX and XXXX. This violates 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of information must provide accurate information to consumer reporting agencies. 
XXXX. Late Payments Reporting : XXXX shows XXXX late payments for XXXX and XX/XX/year>, while XXXX and XXXX do not report these late payments. This inconsistency is a clear violation of 15 U.S.C. 1681s-2 ( b ), which requires an investigation and correction of any inaccuracies when disputed by the consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

accounts marked as inaccurate : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, and XXXX of XXXX I received hard inquiries from XXXX XXXX XXXX XXXX on my XXXX XXXX credit report. 

I also have a few inquiries on my Equifax credit report from XXXX companies that's unauthorized. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 

The last company that I received a hard inquiry from is XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I deposited {$1000.00} of cash at a Bank of America ATM in XX/XX/2023. The ATM malfunctioned in the middle of the deposit and went black never registering my deposit. I filed a claim with Bank of America and was assured by the agent inside the adjoining bank and on the phone that they would take care of it and remedy the deposit ( to ensure it showed up as having been made ). Bank of America then about a month later declined the claim that I filed and did not allow for another way to remedy the claim. So basically they stole {$1000.00} of my cash that their ATM ate by denying my claim. Beware of depositing cash in Bank of America ATMs!
Product: Credit card or prepaid card

I purchased a XXXX XXXX card, wanted to test the viability of the product offering ... and this issue is a HUGE strike against the product offering. Strike ONE I loaded {$500.00} on the card and began using it, the card became unusable and I began researching the money loss to discover $ XXXX sitting in pending charges, unrefunded holds on the card... I have made attempts to contact American Express and have gotten nothing but an automated system that doesn't address the problem, nor provide a solution to a problem a computer does not understand. Strike TWO
Product: Payday loan, title loan, or personal loan

Navy Federal Credit Union ( XXXX ) has refused to disclose the amount of interest it has charged me on late fees during the duration of a personal loan. I believe this refusal is in violation of the Truth in Lending Act. 

A current balance of over {$2000.00} represents late fees and interest. The promissory note states a late fee in the amount of {$29.00} will be assessed when payments are late. However, the promissory note DOES NOT state interest will be charged on late fees or identify the interest rate. 

he amount financed was {$7900.00} and the total payments amount was {$11000.00}. Now with all principal paid I am saddled with a balance of over {$2000.00}. NOTE : I can not specify the exact amount because I can no longer access it online, probably because being able to do so would continue to reveal the daily increase in the balance because of interest being added daily on late charges. 

This complaint is a followup to complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX update my credit report and only report a correct, accurate, and true balance statement.