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

ACCOUNTS : 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 1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX  account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

I have incorrect information on my Credit report. 

XXXX XX/XX/2023 I have either reached out to the company through phone or their portal to have my incorrect information removed.
Product: Money transfer, virtual currency, or money service

I Am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have asked several times for the validation of these accounts below and they just keep sending me notifications saying account verified but nothing else has been done about what I have asked for so I am going to seek damages for the numerous violations in the amount of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Debt Validation Request and Removal of Bankruptcies, XXXX account and chime account Dear Sir/Madam, I am writing to formally request validation of the XXXX bankruptcies listed on my credit report, as well as to dispute the reporting and validation of XXXX  and XXXX credit card accounts. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debts reported against me. Specifically, I refer to 15 U.S.C. 1692g, which mandates that a debt collector must provide verification of the debt upon request. 

The bankruptcies I am disputing are as follows : XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy XXXX. Chapter XXXX Bankruptcy I request that you provide me with the documentation verifying these bankruptcies, including the details of the accounts involved, the dates filed, and the creditors associated with these filings. Should you be unable to provide this documentation, I request that you immediately remove all three bankruptcies from my credit report. 

Additionally, I am disputing the reporting and validation of the following accounts : - XXXX  Address : XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX - XXXX  Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Please provide verification of these accounts as well. If you can not validate these debts, I also request their immediate removal from my consumer report. 

I expect a response to this request within 30 days, as mandated by law. Please be advised that I will be keeping a record of all communications regarding this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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. 

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of inaccurate and damaging accounts on my Experian credit report. Despite my efforts to rectify this issue and providing evidence, Experian has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Experian : XXXX XXXX Account # XXXX : Experian removed this account from my credit report, which I greatly appreciate. However, there is another XXXX XXXX account that Experian has failed to remove. 
XXXX XXXX Account # XXXX : Experian continues to report a XXXX XXXX account on my credit report, despite receiving notification from XXXX XXXX that this account has been deleted from their records. I have attached a letter from XXXX XXXX confirming the deletion of this account and requesting its removal from my credit report. 
In addition to the letter from XXXX XXXX, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Experian 's failure to comply with my request and remove this inaccurate account from my credit report is not only a violation of my rights but also against the law and the FCRA. 

I demand that Experian immediately rectify this situation by removing the aforementioned account from my credit report. Failure to do so will result in further legal action. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Dear CFPB, I am submitting this complaint regarding Credit Acceptance, which is currently reporting missed or late payments on an auto loan that should have been resolved through GAP insurance after my vehicle was declared a total loss.

After the accident, my primary auto insurance provider paid the actual cash value ( ACV ) of the vehicle, and the remaining balance on the loan was to be covered by GAP insurance, as confirmed by the GAP provider. Despite this, Credit Acceptance has continued to report missed payments and delinquency on my loan account to the credit bureaus.

When I contacted Credit Acceptance, I was told that I needed to renegotiate a new payment plan to cover a remaining balanceeven though GAP coverage was supposed to close the loan gap. I believe this handling is improper, and I am concerned that either the GAP payment was not applied correctly or that Credit Acceptance is attempting to collect on an invalid residual balance.

I am requesting that the CFPB investigate the following : Whether Credit Acceptance applied the GAP insurance payment properly, Whether the outstanding balance is legitimate, Whether the continued reporting of negative credit activity is lawful under the Fair Credit Reporting Act ( FCRA ).

This issue is negatively affecting my credit despite the fact that the situation was caused by a vehicle total loss and should have been resolved through the appropriate insurance and GAP channels. I respectfully request that any invalid reporting be corrected and any inaccurate balance be removed from my account.

I am willing to provide documentation of the GAP claim, insurance payment, and my communications with Credit Acceptance
Product: Debt collection

Debt collection agency : Pacific Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Telephone : XXXX This debt collection agency, Pacific Credit Services, has been repeatedly sending me default notices on a medical bill that I have already paid the medical provider. The bill is {$44.00}. I called Pacific Credit Services several times and informed them that I have already paid the medical provider  but they still continue to send me default collection notices ( over a period of several months ). When I asked them to get the updated account information from the medical provider so they can stop sending me default notices, they told me they are waiting from the medical provider. I then called the medical provider who informed me they have already notified Pacific Credit Services the bill has been paid. However, Pacific Credit Services still kept telling me there is nothing they can do in the meanwhile and offered me no timeline nor action taken for resolution. I feel that Pacific Credit Services does not have proper and adequate business operations process in place to conduct basic debt collection activity, which is to update outstanding billing balance when the account has been paid! I am concerned that as a result of their inadequate operational process, Pacific Credit Services would continue to send me default notice and then eventually send it to the credit bureau thereby negatively impacting my credit rating. As a debt collection agency, Pacific Credit Services is being irresponsible and has no regard on the consumer 's financial wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX NA XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX xxxxxxxx XXXX with a balance of {$2100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

Ive been constantly calling Transunion for the last 6 days and they will not help. This is my 8th time calling trying to fix this situation with Transunion and they do not seem to care what happens, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 30 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Transunion has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 

Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX and 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 in to be removed. 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. XXXX XXXX XXXX  XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 there are multiple accounts showing up on my credit profile that is inaccurate and i need them deleted. i sent multiple letters to the credit bureaus to have the information removed and there as been no resolution. XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXhe Following Account Is Not Mine XXXX XXXX XXXX The Following Account Is Not Mine XXXX XXXX XXXX XXXXXXXX The Following Account Is Not Mine XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are incorrectly reporting on XXXX US Department of Education loans XXXX and XXXX. XXXX is reporting the account has exceptional payment history and is up to date as it in reality is. The fair credit reporting act requires that these accounts be removed or to reflect the transunion correct reporting this report is attached in the document attached The FCBA 's XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved.
Product: Student loan

Despite repeated communication with Nelnet by phone, by website, and in writing, they have failed to discharge the student loan for my mother, XXXX XXXX XXXX, who died XX/XX/XXXX. I am the Trustee of the XXXX XXXX XXXX XXXX. 

Beginning in late XXXX, I contacted Nelnet to provide the death certificate and discharge the loan. The have been provided with the death certificate at least four times, including by uploading to their website and one original copy sent by mail.

They refused to acknowledge the request, until their letter of XX/XX/XXXX. This appears to have been in response to my having spoken with a helpful customer service representative, who apologized and said she would take care of the problem. The XX/XX/XXXX letter claimed that they have not received the death certificate and so would not discharge. 

I sent them a final letter on XX/XX/XXXX providing yet another copy of the death certificate and ccing the CFPB and the office of XXXX XXXX. In response, I received another letter dated XX/XX/XXXX claiming they have not received the death certificate and thus will not discharge.
Product: Mortgage

Our Loan has sold a few times, Now trying to do a loan mod we see that our loan is almost XXXX grand Higher, and we have missed something in the process of Fees. Seterus, now Has our loan an can not explain what happened. We are now trying to take Part of what they deferred and put our loan back together. So many people got help, but we are stuck with a high interest rate, owning a home since 2006 upside down, willing to keep our loan/ home, but did recently file BK, Is there anyone who can help us get a good loan? and who tells us why our Home that we bought for XXXX, ( top of the Market ) putting our life saving down of {$110.00} down, to owe {$330.00}, is now {$370000.00}. Home is worth about {$350.00}.
Product: Checking or savings account

XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about XXXX claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please help i got my proof of declined receipt but they wont do anything just keep brushing it off there shoulder
Product: Debt collection

MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k. 
They failed and defaulted on my initial affidavit, this is an opportunity to cure their default.
Product: Debt collection

In XX/XX/2020, I purchased an item of clothing from XXXX clothing company. Item ( jeans ) were on sale for {$19.00}. 
Item arrived without invoice. I did not receive a statement until XXXX stating i owed them {$29.00} plus late fees for total of {$58.00}. 
I sent a check for {$20.00} to cover initial costs of jeans, the check was cashed. there should not have been late fees as i did not receive an invoice for the initial amount. 

I received another statement in XXXX stating i owed them {$40.00} for more late fees. 
I wrote them a letter explaining that i had paid for the jeans, so why more charges, and they opened an investigation that will take up to 90 days to review. 
In the meantime i have received more statements with even more late fees, plus phone calls from collection agency on behalf of the company threatening to sue or take me to court. 
With the help of my daughter-in-law I contacted them again XXXX XXXX, and paid the 'overdue ' balance of {$69.00}. Unbeknownst to me the charge did not got through properly. I was not made aware of this by the CSR. I found out on XX/XX/XXXX when I received yet another threatening call saying i owed more than {$100.00} in late fees. 

I rang them immediately and tried to explain the situation and asked them why are they charging me more fees and what is happening with the investigation. No one could help me. they just wanted over {$100.00}. 
I rang again XX/XX/XXXX to try to sort it out again but eventually I asked my daughter-in-law to call them on my behalf ( again ) and they agreed to drop the latest charges if i paid the balance amount of {$69.00}. So i used a debit card to pay {$69.00}. 

I am XXXX years old and i live alone. I have now paid over {$89.00} for a pair of jeans, because this company did not send me an initial invoice. A friend of mine had a similar experience and now we think the company uses these tactics to get more money from older people.