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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I was applying for a bussines checking account with my previus bank and i was not able to do it because a company called XXXX XXXX XXXX XXXX did not approve me to open the account, i asked for the report and the report says i am in the range to open the account and i do not understand if i am in the range why i was not approved,
Product: Credit reporting, credit repair services, or other personal consumer reports

I relentlessly have been trying to get " XXXX XXXX '' to update my account to the 3 Credit Bureaus. I was in a car accident XX/XX/XXXX. My vehicle was totaled. I had proper car insurance with XXXX and I also had XXXX insurance that I purchased when I first financed the vehicle. XXXX and the XXXX insurance took care of the amount left that was owed on the vehicle. I only had ONE payment left to pay and that was the pay-off amount ( {$440.00} ). I paid that amount. When I finally was ready to go shopping for a new car ; they pulled my credit report and it shows that " XXXX XXXX '' has not updated my credit report since XX/XX/XXXX ( way before my car accident ) and it 's showing that I still owe on the vehicle and that I have late payments! I need for " XXXX XXXX XXXX '' to update my account with the 3 credit-bureaus already. When the insurance companies did their part and I made my last payment they immediately closed my account because obviously we were done doing business ; but they have not updated my account. This is not fair and it is a burden on me because I am a XXXX old living with XXXX and I 'm unable to get another car at the moment because " XXXX XXXX XXXX '' is affecting my credit score. I have to XXXX to work and XXXX which I receive three times a week while I am waiting on a XXXX XXXX. Having to continually push off getting another vehicle is frustrating, especially when my account is PAID OFF and I owe nothing. I need help resolving this problem.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a settlement advance. After receiving payout I inquired to my attorney through phone and email about who was to pay it back but didn't get a reply. I checked the oasis financial website but it did not state if myself or the attorney was to pay back the loan. My attorney was aware of the lending and spoke with the settlement funding company and had to review documents from them. Because of the facts I stated being that I could not get a hold of the attorney, Oasis Financial did not tell me how to pay back the loan, and my attorney was in communication with the settlement lending company, I believe it was fair to assume.my attorney was handling it, in addition to the facts that it was not made apparent to me how to pay back the loan. Oasis financial has an FAQ on their website, but it simply states that the loan will be paid back from the settlement but does not state how to actually pay it back. So this information is vital to post online and make clear to me and It was obfuscated and now they ask for over {$2000.00} extra because it's " late ''
Product: Student loan

Can explain in person. I work XXXX hours a week. I can not write the XXXX  of hours of information on these companies. Simply put, the government is also responsible for pushing loans with compound interest without us having any idea what that is. After I filed for bankruptcy, they were supposed to contact me. They have never contacted me. They refuse to give me a program because I am a XXXX  They tricked me and now avoid me to avoid being held accountable for their lies. I have much more to explain. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX or face the harsh consequences.
Product: Credit card

Please review the enclosed documents. I urge the bureau to begin an inquiry into these accounts, as I have never been overdue on payments, despite them being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a validation and verification letter to XXXX XXXX  as well as to Experian, XXXX, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Product: Credit reporting or other personal consumer reports

I am trying to temporarily unfreeze my credit. The website seems to be broken. When I call, I can not talk to a person, I just get directed to instructions that don't work -- -because the website does not appear to be functional.
Product: Credit reporting or other personal consumer reports

n 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 Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX IN : Account Number : XXXX XXXX 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 or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX XXXX part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

NATIONSTAR MORTGAGE HAS REPEATEDLY REFUSED AND CONTINUE TO REFUSE TO MODIFY MY LOAN DESPITE MY QUALIFIED ELIGIBILITY AND MY NUMEROUS REQUEST AND DOCUMENTS SUBMISSIONS. INSTEAD, THEY OPTED TO FORECLOSE ON MY HOME WITHOUT CAUSE, AND DUE PROCESS. I HAVE BEEN IN THIS MODIFICATION PROCESS WITH THEM SINCE XXXX XXXX, 2014. ALL DOCUMENTS HAVE BEEN TIMELY SUBMITTED. ****
Product: Mortgage

My current first mortgage is serviced with Specialized Loan Servicing, LLC. My monthly mortgage payment is {$720.00}. Up until XX/XX/XXXX I have been current with my payments. In the beginning of XX/XX/XXXX. my car broke down requiring repairs, then I had a water pipe burst in my attic causing {$6000.00} property damage and resulting in an insurance claim. In the middle of XX/XX/XXXX., Hurricane Irma came through FL ( where I live ) and we evacuated. When I returned home a tree branch had fallen on my roof causing damage and requiring a new roof. Approximately the week of XX/XX/XXXX I received a call from SLS stating they were reaching out to their FL customers that may have been affected by the hurricane and had been approved to offer a 3 month mortgage payment deferment, which would defer the payments to the end of the loan. They had received government approval to do this to provide relief to those of us affected by the hurricane. I grilled them on this for almost ten minutes to confirm that this was not going to mean I had to come up with all of the payments in 3 months because there would be no way I would be able to. ( {$2200.00} ) Well, the third week of XX/XX/XXXX. I received a bill from them for {$2200.00}. I owe them ( of course ) for the XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. payments. Now I find myself 3 payments behind and owing them that much $ . They insist I misunderstood ; however, there is no way I did because I clearly stated I could not agree to this if they were going to ask for them at the end of the three months. I also had this discussion with my co-worker and mother after I received the offer and was telling them how grateful I was. I certainly would not have done that had I known I 'd need to come up with {$2200.00} in 3 months! I just would not have taken the offer. It does not make any logical sense. I had so much money going out for house and auto repairs and then XXXX bills from sick pets! When I searched the internet I found they did this to several other people that reported it online as well. Clearly this violates some kind of lending practice? Of course it 's also being reported negatively on my credit report. I agree I owe the money ; however, THEY reached out to ME and offered this service and now I 'm in a position I would not have been in.
Product: Consumer Loan

Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! 
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. 

XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting

I was an authorized user on an account. I went ahead and took myself off and disputed this with all XXXX credit reporting agencies. 

XXXX, and XXXX removed this account properly. However equifax keeps saying that this is still my account and it is affecting my credit report and score. This account is my wifes account and it has been updated with payments. However I have disputed this XXXX times with equifax and everytime this comes back as verified however the information has only bee updated since XXXX which is the same time I removed myself as an authorized user. To me this means equifax is not verifying this account properly because this is no longer mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. XXXX and Transunion received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. Transunion said they did not received my request when I called them. XXXX received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Product: Vehicle loan or lease

My XXXX XXXX XXXX is under a several recalls for a faulty transmission and door latch. The steering wheel also locked up on me and my XXXX XXXX XXXX daughter WHILE I WAS DRIVING. Hundreds of thousands of these vehicles have been recalled ALSO for the steerign however, mine is currently under investigation by the Nhtsa ( report # XXXX ) to be added to the recall. I work as an XXXX DRIVER and used this vehicle to work and pay my bills. I contacted Chase in XX/XX/XXXX asked for the loan to be cancelled due to XXXX XXXX selling me the car KNOWING it was under a major recall as well as the fact that the vehicle was inoperable. The vehicle steering wheel locked up on XX/XX/XXXX and has not been operable or on the road since. ALL INSURANCE AND REGISTRATION HAS BEEN CANCELLED. 

Chase refused to cancel the loan as well as repossess it. This vehicle is useless and was sold to me under false circumstances. Chase is now contacting my attorney ( fro the transmission defect ) threating to affect my credit score. They refused the resolution I offered and actually were aware of the vehicle defects when they approved me for the initial loan. The vehicle is of no use to me and is currently being held in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX for consumer fraud. 

I feel im being XXXX  over circumstances that are not my fault! I offered a solution and rather than care about litigation or consumer safety, they are trying to XXXX funds from me that I would have otherwise had if my vehicle didn't leave me stuck walking and I was able to make money via XXXX to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX XXXX, AND TRANSUNION. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX XXXX, AND TRANSUNION consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not recieved a response in regrds to my dispute and I submitted the dispute more than 60 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX : XXXX XXXX account # XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open a XXXX charge with pieces of my information, but were declined for inadequate info. I was informed that fraudulent activity was happening, and I notified credit agencies to freeze my records. Several weeks late, I received a complete background check on myself, requested to First Advantage XXXX XXXX by a company called XXXX XXXX XXXX. I did not authorize this, but the returning information is probably enough for a criminal to " fill in the blanks '' and completely assume my identity. Interestingly, neither Arise nor First Advantage had my proper home address... they do not know the street number, yet they have the correct street. I called XXXX and they said that I had authorized a background check. I told them to send me a copy of my authorization. They sent me a generic form from XXXX, with an automated, electronic signature which is clearly not mine. Both companies are liable, in my opinion. Incidentally, First Advantage had a phony email address for me, so I had them send me the document to a legit email address.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX and the major credit bureaus XXXX XXXX XXXX XXXX and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

LVNV. has failed to provide Validation and Title ownership documents XXXX XXXX Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. LVNVs ' failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by XXXX XXXX XXXX. LVNV has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and XXXX XXXX Sale agreement of account and ownership status to verify and validate. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.

Pre- Arbitration Notice This is considered official Pre-Arbitration Notice and notice of self executing counterclaim contract to be enacted. From previous notice of dispute 1. Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the XXXX XXXX XXXX in accordance with its XXXX XXXX Rules and judgment on the award rendered by the arbitrator ( s ) may be entered in any court having jurisdiction thereof.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian XXXX XXXX requesting that my old address be removed and updated with my current address. I provided a copy of my ID/SS Card & a current utility bill to support my request. The dispute was opened with Experian but the address has not been updated. It still reflects the old address. This incorrect address is causing issues with me submitting a mortgage preapproval request. My information reflects a mismatch and until the address is updated, the lender is unable to retrieve my credit file.
Product: Debt collection

They would not tell me who they were. They would not provide any information about my debt and said it wasnt their problem and they didnt represent me. They would not tell me if they were a licensed attorney or licensed debt collection agency and are using an email address that leads to an attorney/debt collection website. At no time did they ever say it was an attempt to collect a debt. I have all communication records.
Product: Debt collection

I '' ve sent out several debt collection validation letters to XXXX XXXX XXXX to the address the company provided on my Equifax and XXXX XXXX credit report. The letters came back as return to sender. This is a violation of the FCRA. All information reporting must be accurate and correct. I have requested and still requesting that is collection be deleted promptly from my Equifax and XXXX XXXX credit report and that I am compensated for this violation that adversely affecting my credit worthiness. I have attached proof of my claim.