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

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing! 
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquiries from XXXX  XXXX XXXX  XXXX XXXX  and XXXX on my XXXX credit report that shouldnt be there and I want them removed. And multiple on my Transunion and XXXX dating back to 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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX 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 or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported in my 3 credit Bureaus credit file. 
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
Product: Payday loan, title loan, or personal loan

This is the worse company EVER. I have been trying to get a BOE and title to my car for almost a year. Over the last several months, I've talked to 17 employees at the finance department. They make promises they do not keep. They submitted my bill of sale to CA DMV in the wrong amount and the CA DMV says I didn't pay the correct amount of taxes. They finally sent me a copy of the bill of sale Which had the wrong sale date and the wrong amount. omg, THEY ARE XXXX!!!! Every time I call I have to tell the story over and over again. They always have different information from my previous calls. I spoke to a supervisor, XXXX, operator # XXXX on XX/XX/2021. He gave my his word of honor he'd call me the following Friday, XX/XX/XXXX. I never received a call. When I called today, the first person I talked to said the " call was disconnected '' That's XXXX, I never received a call. They lie to customers. They are not organized. Seriously, their " customer support '' ( Laugh at Customer service ) There is nothing service orientated about this MESSED up company. Here it is over a year since my car was paid off. I can not get my pink slip, a correct BOS or BOE. I filed a complaint with the XXXX, consumer reports and any other agency I can find to do so. I need help please. I attached the wrong information they ( Kia ) sent me and the correct information of our payoff amount through my credit union.
Product: Debt collection

Harassing and sending people to my place of employment. Have already settled
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. Experian is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but XXXX and XXXX XXXX show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Product: Credit card

Goldman Sachs USA administers the GM Rewards Card and offers a 7 % points benefits for services at GM dealers. On XX/XX/year>, I went to XXXX XXXX and spent {$140.00} which generated XXXX points which is short by 3 %. I called Goldman and they couldn't figure it out. Their agent pushed me to GM Rewards who tried to manually add them plus goodwill points but could not. Therefore the card is not working as advertised.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I had the XXXX XXXX XXXX  come by my house and give me a demonstration and at the end of the demonstration I decided to purchase the bed and when I did they wanted to get the money right away or me sign for this credit : Preferred Credit, inc. Or pay a higher price if I didn't purchase the bed the same day, basically bullied into going with this Preferred Credit Inc. After paying for 9 months I called the Preferred Credit and decided to make an extra payment and got the payoff amount. I decided to make a payment of {$2000.00}. They told me that I have an installment plan, and that the {$2000.00} would not go to just the principle. So all the time I wasn't getting any statements to see what they were doing, I asked them to send me statements when I called in XX/XX/XXXX and I just recently got a statement for the first time that I had to call them for the third time XX/XX/XXXX it arrived XX/XX/XXXX. They told me I was not allowed to call them anymore and would be charged {$10.00} every time I talk to a agent and was referred to the website to look at my statement so I did and that's when I discovered that the payments I have been making to the principal was not equal the amount that they were showing and they took more interest off of the XXXX I paid that I believe that they should have. I don't understand this company the way the interest is calculated seems to be every month is different. I want to get out of this contract and pay this off immediately but they do not want to discuss anything over the phone and they're saying that I owe more money then obviously I paid so they seem to be treating me unfairly and paying more interest than nessary.
Product: Mortgage

This is a follow up to the complaint I filed with you with claim number XXXX on XX/XX/XXXX. Today, XX/XX/XXXX I got notice that PHH finally applied the payment they automatically withdrew from my bank account on XX/XX/XXXX to my final payoff. However, even though I paid off the mortgage through an ACH on the due date of XX/XX/XXXX, in the 19 days it took for PHH to apply my payment to my final payoff of my mortgage, I accrued late fee interest of {$55.00}, even though both escalation agents with whom I spoke on XX/XX/XXXX and XX/XX/XXXX assured me that they would not charge me any late fees because they actually had my money, and it was PHH that held it in an unsecured fund designation and did not apply it to my mortgage payment in a timely manner. The letter I received today via email indicated that {$55.00} has come out of the refund that PHH has designated as the refund they owe me and my husband after my XX/XX/XXXX payment was applied to the loan final pay-off. Today I spoke XXXX at XXXX, an escalation manager with ID # XXXX, and she informed me she needs to talk with the previous escalation manager to try to refund my late fee, that it was not a guarantee I would get that ridiculous late fee returned! XXXX said she would email me back an answer with 24-48 hours. 

In addition, I asked for the automatic withdrawals to be turned off on XXXX when I spoke with the first escalation agent, and on XX/XX/XXXX with the next escalation agent I spoke with. I also put this request in writing on XX/XX/XXXX, and received an email back stating they will put the request in for the stoppage of the automatic withdrawal in 3 days. As of right now, there are no indications that my automatic withdrawals will stop. I was not allowed to turn off the automatic withdrawals for the last 60 days, indicating my account was no longer eligible to do so. I am afraid another {$3400.00} with be automatically withdrawn on XX/XX/XXXX, as I have no confidence in this agency and their fraudulent approach to things.
Product: Credit card or prepaid card

Since  XX/XX/XXXX  I 've been contacting  American Express S erve card regarding a dispute for {$400.00} against  XXXX   XXXX . First  XXXX  made credit arrangements with me and gave me the opportunity to a faster internet speed, that would not cause any interruption to my services and would be updated easily, only to come home one day to have no services and was advised by  XXXX  that this was totally their fault, but I would need an ONT box in order to get my services back on, this was a ploy by  XXXX  to get me to take on more services, at a higher price even though I request several times for them to cancel the order and was persistantly told that there was no way for them to do that, that the only recourse I had was to accept the ONT box, long story short it took 12 days to get this resolved. I made the {$400.00} payment on Friday and on Monday, my service had once again been interrupted and  XXXX  wanting more money. I even spoke to a supervisor from  XXXX  who said and I quote " what you want your services back on, your not getting them unless we get paid '', she was heartless she did n't care about the previous issues that  XXXX  took responsibility for, she told me if I cancel the service I had to pay the termination fee, which is now over {$1300.00}. I contacte d Amex Serve to disp ute immediately, who advised they would e-mail me a form and I could upload to their portal, which I did, when checking up on the dispute was advised nothing was recieved, they asked me to fax, which I did, once again advised nothing was recieved. Disputed again in  XX/XX/XXXX , they closed my case without a response, in  XX/XX/XXXX  I wrote them a letter and today I recieved a response that the claim is too old and they are unable to resolve.  American Express Serve pr omises their clients that this cards works with the same values as their regular card, which I believe means these charges should have been reversed, but never were. I want my {$400.00} credited to my account, I want sanctions brought against both American  Express and  XXXX  for " acting in bad faith '' and I want the termination fee that   XXXX   XXXX   is charging me to be reversed as well as any additional fees they charged me in relation to their own negligence in a bid to get more money out of customers.
Product: Student loan

Navient wrongly placed my loan into in-school deferment sometime in XXXX. I was not given a notice of this, but a blurb was buried on my XX/XX/2018 statement. Having been enrolled in Autopay, I do not routinely check my statements, instead relying on my Loan Servicer to collect the payment appropriately and keep me on track for full repayment by my maturity date. Never having requested in-school deferment, Navient neglected to collect my loan payment for the following months, until I discovered it today. Upon contacting Navient by phone on XX/XX/XXXX at XXXX Pacific time, I  spoke with XXXX, Rep XXXX. She claimed that I was sent a communication in the Navient portal, and upon further questioning realized that no separate notification existed. It was instead an after-the-fact notification on a monthly statement, after the change had been made without my consent, hidden in a monthly statement that I had not been checking because my loan was enrolled in automatic payments. I have asked that Navient refund the capitalized interest, and indemnify me from their mistake by crediting the accrued interest from the deferment that I did not request. When XXXX declined to do so, I asked to speak with a supervisor. XXXX, XXXX, joined the phone call, giving her title as Supervisor. " On behalf on Navient I sincerely apologize that you were not notified. '' She confirmed that during the deferment period that my loan was put on, not only were payments not collected, but a 0.5 % interest rate reduction for being enrolled in autopay was also removed. I requested that my loan be removed from deferment immediately, and that regular payments begin being made. This call lasted approximately 50 minutes. As a result, I have had over {$250.00} in additional interest be capitalized to the loans principal, and have not had over {$1000.00} in principal reduction made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$920.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$990.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.
Product: Payday loan, title loan, or personal loan

The first of XXXX I took out a loan with Bright Lending for XXXX dollars. I was unaware that they are a tribal lender, I was also unaware that they charge interest rates over the usury limits in Alabama. My loans APY is 599 %. In order to pay off the loan Id end up paying almost XXXX dollars because they charge you your scheduled installment plus the payoff amount and interest. I was unaware that they are not licensed to lend in any state. I checked to see if they are licensed in Alabama and they are not. Per law I only owe the principal amount lended to me. I feel deceived by this company. I believe they are committing fraud. They want to XXXX my dry with sky high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

a set of checks for Business rent was sent out via mail to the landlord around XXXX XXXX  and the landlord never received the mail. Therefore, I checked my bank account and saw nothing had been posted so I sent the rent to the landlord via XXXX instead. Then later my CPA noticed that an unknown check had been processed and asked me for clarification. After investigation, I discovered that someone whited out the " Pay to the order of '' and the " For '' section of the check and deposited it into BMO Bank on XXXXXX/XX/year> and it was processed. Therefore, I filed a check fraud claim to XXXX XXXXXXXX XXXX but it was not honored because it was past 60 days.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unfair negative items on my credit report, including closed accounts, chargebacks, late payments, and collections. These accounts contain errors, unverifiable information, or violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Closed Accounts & Chargebacks : These accounts were closed and should not be negatively impacting my credit.

Some contain chargebacks that were resolved, yet they remain as derogatory marks.

Late Payments : The reported late payments are inaccurate or unverifiable and should be removed.

Under 15 U.S.C. 1681c, I request an investigation and correction. 
Collections : Account # XXXX and other collection accounts were placed in violation of 15 U.S.C. 1692c ( unlawful communications ).

The debt collectors failed to validate the debt as required by 15 U.S.C. 1692g.

Some collections are not mine, were settled, or contain reporting errors.
Product: Vehicle loan or lease

I enrolled in to the XXXX in XX/XX/2023 and the money that was paid in from beginning of the loan till XXXX was taken out the account to be adjusted in the interest and reallocated back to the account. When they did this it made my account go severally delinquent ending up in collections within Capital one auto finance and then it was sent to mine and my wifes credit as a charge off resulting in my credit dropping XXXX points and my wifes dropping XXXX points. All because they took way to long to reallocate the fund taken out and I called every week religiously telling them whats going on and no one wanted to listen to me. And now my wife and I are suffering because our credit is all messed up thanks to capital one bank we cant buy a house now and also we feel like we are being punished by using our XXXX thats a federal act to lower our interest, the interest was lowered and the difference in the interest of the 28 month we made payments were applied to XXXX XXXX  and we will be resuming payment in XX/XX/2023. But for capital one to take over a month to figure out the difference in interest of XXXX payments and the money had been taken out the loan account made it delinquent resulting in false credit reporting. I spoke with Presidents office at Capital one and they owned they made a mistake but we are still suffering and havent gotten all our points back and plus we are suppose to have more points back because the auto loan decreased. So the amount reported as charged off was {$18000.00} something dont know exact number but after the interest was lowered our principal balance as of today is {$14000.00} and I talked with XXXX with the presidents office and he said that they would send over the credit information to the credit bureaus so they did that and the amount reported on my auto loan was {$16000.00} which is incorrect again and nothing was reported to my wifes credit since the charge off was made shes still XXXX points short. I have an attorney that gave me yall information to file a complaint. So I hope this doesnt happen to anyone else Also my name on the auto hasnt been updated its XXXX XXXX not XXXX XXXX XXXX XXXX