23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against multiple creditors for several violations of consumer protection laws as outlined in 15 U.S. Code 1692e, 1681b ( 2 ), and 1681s2. The violations pertain to false or misleading representations, inaccurate reporting of debt and payments, and responsibilities of furnishers of information to consumer reporting agencies. 

The following creditors have engaged in actions that are in direct violation of the aforementioned statutes : 1. XXXX XXXX - Charged off the account and continues to report the debt as the lender. 
2. XXXX XXXX - Charged off the account twice, once in XX/XX/XXXX and again in XX/XX/XXXX, while continuing to report the debt as the lender. 
3. XXXX XXXX - Incorrectly reported premium payments as a collection on my credit file, with an inaccurate amount. 
4. XXXX XXXX XXXX XXXX XXXX. -Account are closed but not reported Paid as agreed which still inaccurately reported by Experian XXXX XXXX XXXX and XXXX agencies. There are accounts are past the 7 years outdated and still being reported. 
5. US Education - Failure to update the status of a student loan that has been forgiven, reporting the loan amount but not reflecting the XXXX  balance. 

These actions are not only misleading but also detrimental to my credit report and financial standing. Despite providing written instructions and resolving certain accounts, these creditors persist in reporting inaccurate and misleading information. 

I request a thorough investigation into the conduct of these creditors and urge the Consumer Financial Protection Bureau to take appropriate action to rectify these violations. Additionally, I request the correction of my credit reports to accurately reflect the resolved accounts, the forgiven student loan, and the accurate status of each account. 

Enclosed with this letter are relevant documents, including account statements, payment confirmations, and any correspondence exchanged with the aforementioned creditors. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take necessary actions to ensure compliance with consumer protection laws. 

Thank you for this matter.
Product: Vehicle loan or lease

Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers  XXXX  and  XXXX . I have not been late. Regarding account  XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in   XX/2016 . The  lease is therefore void and not valid. Also, they reported I was late in   XX/XX/XXXX  whe n we were in dispute and they said they would not. They never returned any of my phone calls.     They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from  XXXX   XXXX  in  XXXX  from  Infiniti Finance. I w as never told they would report lease terminated early.     They promised to remove all negative account information because I have not been late and I have not terminated any lease early.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, & Transunion have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.Transunion finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
Product: Mortgage

Chase Bank changed their website and now you ca n't pay your monthly bill on-line unless you want to wait XXXX3 days or you have to give Chase your other bank 's account number and password you are paying from. No one should tell me I have to give them my bank 's login and password. My laptop went down a few weeks ago and I was using my desktop at my office when I called to find out what the problem was with accessing my account, the Chase rep put me through a battery of questions which were ridiculous in nature regarding payment ranges of loans I am on. Also, they had only my XXXX landlines ( work and home ) on my account and my old email account, so that I could not receive a text on my cell phone -- which is why I called to get a code via my new email. Complicated in each step and let me remind you, I was trying to pay them! I asked the rep if they had changed their site and wanted to make it more difficult for their customers? She said they had changed their site, but of course did n't answer the second part my questions. Last month, my husband could not access his Chase account and I went to a Chase branch in person, of course, they would n't talk to me without first calling him ( you have got to be kidding me ) to verify that I was okay with dealing with them. I am on the mortgage XXXX. I had to re-set my account and then when I got back to the office, my husband STILL could not get on with his username and password. Then the above happened this month when I went to make the mortgage payment again. I give up. I am going to just pay at the bank from now on or mail in. I think that they want you to be late. I think that they are too big for their own good and definitely too big for the public/consumer. In the past, when I talked to them about refinancing our home mortgage, I had XXXX bankers look down their noses at me and flat out refuse because we own a business and have stated income. Here 's the thing, we have an interest only home mortgage loan, which they love, and even though we are outstanding clients of theirs, pay our loan on time, pay our credit card on time and paid off to NEVER use again, have stellar credit scores, they could care less. We are tiny little insignificant peas in their pod. The day we sell our house, I will be so grateful to be out from under their thumb. Please consider the shenanigans that has gone on with Chase and now with their unreasonable personal requests and how it all negatively effects consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have tried numerous times. 
please have the following removed from my account it's affecting my score and my report badly. 
the company is XXXX XXXX XX/XX/XXXX {$4100.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$8900.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$5900.00} XX/XX/XXXX {$6200.00}
Product: Credit card

I financed some dental treatment through CareCredit/Synchrony Bank which offered no interest payable promotion for twelve months. I am at the 10/11 month stage and intend to pay off the charge in full to avoid interest charges. The account is " paperless '' and managed on line. Nowhere is there any provision or " menu '' for online payment in full ; and telephone contact is limited to a automated menu, unless you are willing to pay {$10.00}. to speak to a representative. I will not pay to speak to an agent, but I have persevered in locating the home address of Synchrony Bank in XXXX, and will send them a check for the full balance. 
It is obvious to me that the " paperless '' format for managing an account is designed to make it next to impossible to pay off an account in full exposing the card holder to the post promotional high interest rates. 
I request that you investigate this matter and take such action as you may deem appropriate. 
XXXX XXXX NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax since the week of XX/XX/2023. I was told that they needed additional documents but would not give me the exact reasoning for why the additional documents were needed, but since I was applying for an apartment and the apartment complex could not access my credit due to this particular credit bureau, I sent it in. I sent the paperwork on XX/XX/2023, and it was delivered XX/XX/2023. I called a week later and was told that they still had not received the documents and was not able to further proceed. I was told that I did not have a credit report attached to my file and there was some incorrect information in my part. I was also told if it needed to be escalated to an investigation it would take 30 calendar days to complete, so they told me to call back in a couple weeks. So fast forward to today, after sending in all the supporting documents to the po box the associate told me back in XXXX, they are still telling me that they have not received it. They asked me what po box it was sent to and since its been a month ago now, the tracking number that I have is not showing me the exact P.o. number, but I can guarantee that it was sent to an Equifax po box in XXXX XXXX The associate I talked to today told me that the information the last associate provided may not have been the right po box and I would have to send in even more supporting documents, which is almost impossible because I dont have access to a printer, so while I was trying to locate the exact po box that the documents were sent to, the associate disconnected the line, which is very unprofessional. I have no idea what to do in this case and its been making it very difficult to apply for apartments in this case. I am having extreme difficulty even though I have literally done everything on my end.
Product: Vehicle loan or lease

I reached out to GM Financial because I have been noticing that my account wasnt showing up in my credit reports showing my on time payments s to help increase my score. I asked the representative, why wasnt it being reported and she told me at first the do report every thirty day to credit bureau. Not until when I asked the question, if they ONLY report accounts that are thirty days past due to the credit bureau. The representative can back and corrected the information she gave me prior, stating that they ONLY reported delinquent accounts and the account once it has been paid and closed. I then proceeded to tell her that doesnt help my credit at all but merely hurts it once closed it will drop my score.
Product: Debt collection

I received multiple notices in regards to a debt from company called Midland Management referencing, XXXX XXXX. I believe the amount that debt collector is attempting to collect is an invalid and incorrect amount and debt collector has used tactics that violate my federally protected rights under 15 USC 1692 ( b ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. I have consistently made all payments on time, as this account has been enrolled in autopay.

Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require maximum accuracy in credit reporting and timely correction of errors.

This reporting may also violate the Truth in Lending Act ( TILA ), as it misrepresents my payment obligations.

Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a 30-day late payment in XX/XX/XXXX. 
Requested Resolution I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment from XX/XX/XXXX. I also request confirmation of the corrected information in writing within 30 days of receiving this dispute.

Attached, you will find supporting documentation demonstrating timely payments, including bank statements and autopay confirmations.

Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy   which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

For these two accounts i am disputing inaccurate dates are being reported my proof is being attached it shows my current report that's reporting
Product: Credit reporting or other personal consumer reports

I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

After checking credit profiles connected to me, I have learned that Ally Financial company are the cause of many adverse reactions and retaliations placed upon me. I have never given Ally Financial permission to furnish personal information and inaccurate information. 

Ally Financial has no permissible purpose to furnish this account. I would never volunteer for my any personal information be placed in the public eye let alone my personal information be shared and sold for profit by affiliate sharing. This is a violation of Fair Credit Reporting Act & Fair Debt Collection Practice act. 

Violation : 12 CFR 1016.10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSON INFORMATION TO NON AFFILIATED THIRD PARTIES. 

Ally Financial this is your notice to Cease & Desist all communications regarding this matter until all record of documentation on record of books of accounting, validation, method of validation, wet signature of contract, all is provided to me. Please send everything by U.S mail. 

Alley Financial did not provide me with proper disclosure to opt-out of credit reporting as the option to opt-in. I was not giving full disclosure so any decision made I was uninformed and things was not clear. Per : VIOLATION ; 12 CFR 1016.7 FORM OF OPT OUT NOTICE TO CONSUMERS : OPT OUT METHODS. 

Please by me understanding my consumer laws and rights the creditor Ally Financial, XXXX, XXXX, & XXXX has violated the following : According to 15 USC 1681 section 602 ( a ), I have the right to privacy. Furthermore, as outlined in 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing an account without my written instructions. Additionally, as per 15 USC 1681 ( c ) ( a ) ( 5 ) sections, consumer reporting agencies are restricted from including certain adverse items of information in consumer reports, except for records of conviction of crimes dating back more than seven years. Lastly, under 15 USC 1681 ( s ) ( 2 ) ( a ) ( 1 ), it is stated that individuals are prohibited from providing inaccurate information relating to a consumer to any consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. 

I am exercising my rights under 15 U.S CODE 1692k - Civil liability that each mention violation not exceeding {$1000.00} : or in case of class action...
Product: Credit reporting or other personal consumer reports

The investigation took more than 30 days. 
I was taken advantage of due malpractice. While several laws were being broken under the FRCA by your company. As a result, of this defamation. My ability to obtain credit is destroyed. I can not obtain credit to get a car, house, or loans/credit cards.
Product: Credit card or prepaid card

im being charged at late fee of XXXX $ since XXXX of XXXX  im also be charged interest XXXX $ i have my payments on auto pay im paying XXXX $ monthly on before the due date. i called them about 2 months ago i asked why am i being charged a late fee honestly i didnt get an answer as to why. i spoke with someone this morning from customer service i explained my situation she actually laughed how unprofessional. my call was transfered i explained my situation once again i stated my concerns about late fees and interest. i was told only 2 could get reversed i stated that im making an honest effort paying XXXX $ a month. how could i be past due while im making payments? At no time was i ever contacted by phone they had the wrong contact info. i was on the phone for an hour going back and forth about my concerns nothing was fixed. this why i have contacted you to step in and help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pull my transunion credit report and found inquires that i did not approve and i would like to know why they are there and get them remove asap here are the inquiries that i did not approve XX/XX/XXXX XXXX XXXX  ... XX/XX/XXXX XXXX XXXX  ... XXXX XX/XX/XXXX XXXX.. XX/XX/XXXX XXXX XXXX ... XX/XX/XXXX XXXX  XXXX  ... XX/XX/XXXX XXXX  ... XX/XX/XXXX XXXX  XXXX ... These are all the accounts that i did not approve anyone t run my credit report its Fraud plz remove off my credit report
Product: Credit reporting or other personal consumer reports

I will send the letter regarding the question mentioned below to XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have checked the credit report issued by your company on XX/XX/2023. I would like to ask why you mention unknown regarding the rating of XX/XX/2023 on the XXXX XXXX  XXXX account starting XXXX XXXX. 


Sincerely,
Product: Checking or savings account

In XX/XX/XXXX, I nearly lost an M & T Bank savings account with a balance of {$16000.00} to " escheatment, '' defined as " reversion of property to the state when no legal heirs or claimants exist. '' I had opened the account in XX/XX/XXXX, signed up for online banking, regularly went to the website to get my monthly statements, and suddenly discovered that only my checking account remained. I called my M & T branch to investigate the missing savings account and was told it had been deemed " dormant '' and was reported to the State as " abandoned funds '' because I had not made a deposit or withdrawal since XX/XX/XXXX. ( Under Maryland " unclaimed property '' laws, the State can legally grab bank-reported " abandoned '' accounts after only 3 years. ) This was an eventuality no one had warned me of when I opened the account, and I had never received a notice from M & T Bank -- written or otherwise -- that my savings account was in jeopardy owing to " inactivity. '' When I went in person to my M & T branch to show ID, sign a form acknowledging I own the account, and prove I was still alive and kicking, the account was restored to " active '' status, and my savings account reappeared online. I set up $ XXXX  monthly transfers from my checking account ( always very active ) to my savings account to prevent escheatment ever happening again. I want seniors to hear my story. If you think your nest egg is safe because it's in the bank, you should double-check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX Original Creditor, Preferred open XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX  XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ), Also I found a few inaccurate addresses as well.
Product: Mortgage

On XX/XX/XXXX I called XXXX to initiate the process of having my PMI ( FHA MI ) removed from my account. According to my original loan agreement after 5 years, I am eligible to have my home re-appraised at MY expense to recalculate Loan to Value ratio. If the LTV is at or below 78 %, the mortgage insurance will be removed. So I called XXXX to start the process. I have since called 4 times over 2 months and they refuse to give me any information, refuse to respond to me. I can only speak with customer service, can't speak with a supervisor, nothing! Total lack of information. 
REMOVAL OF MY MORTGAGE INSURANCE IS MY RIGHT under the agreement and they refuse to honor it. 
Here is my telephone history : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoke with XXXX XXXX and emailed at XXXX ( no response ). Called XX/XX/XXXX spoke with XXXX XXXX and was only able to read back my email I sent. NO update info at all. No one else to speak with. I have no other option but to seek CFPB 's help!
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today XXXX XX/XX/XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.