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

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, XXXX, and XXXX Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint against the three major credit reporting agenciesExperian for their failure to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous efforts to dispute the incorrect reporting of late payments on my credit report, related to my Auto Loan with XXXX XXXX XXXX, Account Number XXXX, the issue remains unresolved. These disputes were filed on XX/XX/XXXX and XX/XX/XXXX, and despite providing clear documentation of the errors, the agencies have failed to correct the inaccuracies. 

This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, this issue falls under the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasize the need for accurate and timely reporting by creditors. 

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. As the credit reporting agencies have failed to meet their legal obligations, I am prepared to seek damages and legal costs. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. Failure to do so XXXX result in liability for damages. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : This case demonstrated a violation of TILA, emphasizing the creditor 's obligation to provide accurate billing and payment notifications. 
Final Request for Resolution I request that the CFPB intervene and ensure that the XXXX credit reporting agencies correct the following inaccurate late payment entries on my credit report : Date of Late Payment Report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Failure to correct this information within 10 days of receipt of this letter will force me to escalate this matter further. This includes filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General 's Office. Moreover, I will proceed with legal action to recover any damages resulting from the ongoing inaccuracies in my credit report. 

Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to the CFPB 's prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows two hard inquiries from Pentagon CU ( PenFed ). I have never heard of this credit union and there isn't even one in my state ( Arizona ). I have NO communication from PenFed regarding this " auto refinance loan '' they claim I requested ( no emails showing I initiated this loan, no emails showing the outcome of supposed loan I applied for ). They state I consented to my credit being pulled for an auto refinance loan. I requested multiple times for proof that their " records '' show me consenting to these credit pulls ( because I did not consent ) and they have failed to respond with any proof. I requested the supposed application I submitted and nothing provided. They simply keep saying their " records '' show that I consented. They eventually stopped responding after I kept asking for proof. Consumers be wary of this credit agency as they are taking people 's information and pulling their credit fraudulently.
Product: Vehicle loan or lease

On XX/XX/2019, my XXXX XXXX was repoed due to miscommunication. I've been leasing with Cresco capital since XX/XX/2019, never had any major issues with my case manager XXXX. In XX/XX/2019, my truck broke down with electrical issues. After the big breakdown, there was another case manager assigned to manage my case ( XXXX, XXXX  ). Soon as I took the truck to the XXXX  shop for repairs, I contacted her immediately to update her on the breakdown of the truck. Gathered all information on the cost of the repairs, which totaled out to {$3200.00}. She automatically assumed I couldn't afford the cost at the time and called the dealership to hold all repairs until money was payed up front. Due to the delay of her phone call, my truck has been down for 3 weeks ( almost a month ). I asked to speak with her supervisor in order to get to a solution with payment and the breakdown. She gave me a hard time for two weeks straight into speaking with someone of this matter. After I've paid the {$3200.00} in repairs, I kept calling trying to do a payment arrangement due to bank change information. I really wanted to speak with someone else in this time of need. All I wanted was to make my payment after a {$3200.00} fix on the truck plus {$220.00} for new brake drums. No one was willing to get in contact with me until the last minute ( emails but no calls ). No calls were made at the time to resolve any issues. Soon as I logged in to make payment on the truck XXXX locked me out of my account until the tow truck picked up the truck. She told me they will give me a call and still no calls were given.
Product: Student loan

I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XX/XX/2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Product: Credit reporting or other personal consumer reports

On my experian report there is a false address, that seems due to identity theft. As well as the online account is going to an incorrect number as well. Seems hacked. 
I have disputed a Natural Gas collections on XXXX XXXXXXXX and I have not seen a result. I had to resubmit.
Product: Consumer Loan

On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. 

Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. 
XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A CHARGE OFF ON MY CREDIT FILE AS OF XXXX XXXX AND STARTED SHOWINING ON MY CREDIT REPORT XX/XX/XXXX. 2025 SHOWING A BALANCE OF {$16000.00} CHARGEOFFS ON BOTH MY TRANSUNION AND XXXX I NEED THESE ANSWERS AS I WAS NOT SHOWN PAPERWORK ON ANYTHING How Did They Get That balance? 

Show a break down of the how they got the balance owed? 

Why didnt I receive a letter of when, where and what amount they got for the vehicle at auction? 

Why didnt I receive a letter about the charge off? 

Explain how they got the current interest fees? 

Wrong Balances? 
Dates? 
Ownership ( What are you doing with that account )/ How did you get to that balance that you put on my credit report? 

You sold it so I need these balances and dates justified?
Product: Vehicle loan or lease

This loan was opened on XX/XX/2014 and is being reported as a joint account. This is not my debt. I have asked several times for this account to be removed from my credit report and was unsuccessful. I need to see the contract and my signature that they are claiming that i signed. This account has negatively affected my ability to receive credit from creditors and i would like it removed from my report.
Product: Mortgage

I did an online application. I received 3 phone calls from loan depot saying to call them. They received my application. I called them back. The loan assistant verified some info and put me thru to the licensed loan officer. He said that he could not do a loan for me. " The system wont even give me pricing '' there is nothing for you '' cant get pricing. He said i have 78 % loan to value. I asked he how he got 78 % its much lower then that ( loan amount $ XXXX value $ XXXX. ) He said oh! Oh! Lets see, at a 59 ltv. On 30 year fixed would not lower your rate. I said well what would it be.. he said im thinking it would not make sense. I said, what would the rate be? He said 4.250 % ( im currently at 5 % ). On a 30 year ( my lender has put mine to 43 years ) AND he says at the 4.25 % it will cost you 2.25 points. So its going to cost you {$7500.00} to do a loan. ( He was discouraging me so much that it was clear he did not care about XXXX. And was denying me the same financial assistance of a person that has a XXXX, XXXX, XXXX credit score. Certainly appeared that way. So i said, ok lets do it! He says, what? I said again lets do it! He was silent. I said to him after the moment of silence, i said : you dont want to do this loan, do you? Ahhhh ... and we ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX vehicle from XXXX XXXX on XX/XX/XXXX. I financed part of the cost of the vehicle and my lienholder was assigned from the dealership to XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX. At the time of purchase, I got the interest rate I wanted and all was well. A few days ago, I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they " regretfully inform me that they are not agreeable to handling the transaction due to information in the report at the " '' crediting agency '' XXXX XXXX XXXX. '' '' XXXX gave me a credit score of XXXX and XXXX gave me a score of XXXX. Because of the low score from XXXX, regardless of my great scores with XXXX, XXXX, and XXXX ; XXXX XXXX wants to raise my interest rate. I called XXXX XXXX to talk about this on XX/XX/XXXX at XXXX and the person I talked to does n't seem to be able to answer any of my questions. So it seems I cant do anything about it! It appears to me that XXXX ( who I never heard of ) is providing XXXX XXXX a much lower score that the 3 major credit bureaus only so that XXXX XXXX can raise my interest rate and make money off of me. I find this to be very upsetting and seeing that XXXX XXXX  cant answer any questions, I need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Portfolio Recovery on XX/XX/2022, at XXXX est and spoke with XXXX XXXX We both were on a recorded line and I let her know I would be recording for my records. She told me that I would be able to get a pay for deletion for a validated debt with them. I researched and saw that portfolio recovery does in fact participate with pay for deletions, however, once I paid and held up my end of the bargain portfolio recovery only updated my file. I am filing this complaint and requesting this account be removed from my file as XXXX told me it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN SENDING ROUND AFTER ROUND TO THE CREDIT BUREAUS REGARDING INQUIRES REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Product: Debt collection

In XXXX, upon checking my credit report, It came to my attention that a Synchrony Walmart Credit card was opened fraudulently in my name. I sent debt validation letters to both Synchrony and XXXX XXXX XXXX, and for a month it was either Synchrony saying they sold the account to XXXX   XXXX and that I should deal with them directly. 

I sent XXXX my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent Synchrony Bank a packet of information with supporting documents, and recently Synchrony Bank sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked XXXX for debt validation they sent me the attached letters. It just states that Synchrony sold the account to them and that was enough to establish its validity.
Product: Checking or savings account

I am filling this compliant because I was unjustly treated. So I need your help to get my money back from Citibank. They froze my account after I deposited the money that was paid to me by a customer that purchase goods from me in XXXX of 2022. Without any tangible explanation, they took all the money in my bank including the money that was in my account prior to the purchase. I have contacted both the branch and their supervisors more than 20 times after I received the attached letter to resolve these issues but to no avail. 
I don't know why a bank can do this and want to get away from it? 
Thx XXXX  XXXX XXXX XXXX XXXX cell
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX **Subject : ** Notice of Dispute and Request for Late Payment Removal Dear XXXX, I trust this letter finds you well. I am writing to formally dispute the presence of late payments reported by your organization on my credit report. I believe these late payments to be inaccurate and unjust, and I kindly request their removal in accordance with applicable laws and regulations. 

The late payments in question are associated with the following account : - Account Information : - Account Name XXXX XXXX - Account Number : XXXX - Date ( s ) of Late Payment ( s ) : XX/XX/year> I have attached a copy of my XXXX credit report verifying that the XX/XX/year> payment was, in fact, paid on time and never late. 

I wish to emphasize my commitment to fair and accurate credit reporting. These late payments have significantly impacted my creditworthiness and caused undue financial hardship and emotional distress. 

It is my understanding that your organization has a responsibility to report accurate information to the credit bureaus. Given my belief that these late payments are not reflective of my payment history, I hereby request their removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial costs and fees for both parties.

Therefore, I propose the following options for resolution : 1. Remove Late Payments Kindly request that your organization promptly remove the late payments from my credit report, thereby rectifying the inaccuracies and ensuring my credit history is accurately represented.

2. Initiate Arbitration Should your organization prefer not to remove the late payments, I am prepared to initiate arbitration proceedings as allowed by our agreement. This process may entail substantial costs and fees, including my filing fee, your filing fee, arbitration initiation fee, arbitrator deposit, and any legal costs incurred during the arbitration process.

I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting.

Please respond to this notice within a reasonable time frame to confirm your willingness to remove the late payments or to express your intent to proceed with arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter.

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( XXXX, XXXX, Equifax ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.
Product: Vehicle loan or lease

I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX  to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES XXXX MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recognize a few inquiries on my XXXX Recognize a few inquiries on my XXXX Equifax and XXXX report that I have not authorized. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The correct date is never reflected on my account and every time I've called to fix it I'm on the phone with them for like XXXX min and twice have been hung up on after being on the phone for like almost an hour XXXX time. I have paid over {$5000.00} of my loan but it still says that I owe {$17000.00} of a $ XXXX can never get a correct number when I ask them and it's getting frustrating. Also when I signed my loan I was never told that this was an interest bearing loan they snuck that part in when I signed the loan. The company I dealt with is One Main Financial in XXXX California.
Product: Credit card or prepaid card

The card company declined my card for a week but will not tell me why. It was paid in full, in good standing and way below the credit limit. Every time I call the system recognizes the number I call from and automatically puts me on a 10-15 minute hold to talk to the " Fraud Department ''. That department refuses to discuss my card details with me, in spite of me providing my security word, my zip code, and the last 4 digits of my social security number. I also confirmed that I did not have any other Citibank products.