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

After reviewing my submission, I noticed that the Credit Bureaus stated that my accounts was properly investigated. How is that possible when some of the open dates are inaccurate. The dates last active are inaccurate, and dates last reported are inaccurate? This is ground for removal. 

My rights was also violated under 15 U.S. Code 1681 Section 602 A. : States I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I didn't give them written instructions ) 15 U.S. Code 1681 Section 603 ( 3 ) ( E ) Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information does not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S. Code 1681n - Civil liability for willful noncompliance : ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and will be filling a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering. Thank You
Product: Vehicle loan or lease

On XX/XX/2023, I submitted a pre-approval application through a website called XXXX XXXX XXXX XXXX with the understanding that I was applying for pre-approval for an auto loan. I was told that XXXX would perform a soft pull of my credit file and present me with a list of various lenders and the rates for which I was pre-approved. XXXX 's FAQs ( XXXX XXXX XXXX XXXX make clear that the first step is pre-approval, and a hard pull is initiated " Only when you choose an offer to submit for lender approval. '' As I was completing what I thought was the pre-approval process, my application was forwarded to some other company called XXXX  and I was asked to provide additional information, including my social security number, so that my application could be approved. The relationship between XXXX, XXXX and The XXXX XXXX, was not explained or disclosed. I thought I was rate shopping with various lenders, when in reality XXXX is little more than a facade for this other company. 

Fortunately, I did not provide my SSN, which I believe would have triggered a hard credit inquiry without my consent.
Product: Debt collection

I am formally disputing the collection attempt by Portfolio Recovery Associates , LLC ( " PRA, LLC '' ) regarding an alleged debt associated with XXXXXXXX XXXX  XXXX XXXX. The account in question, with account number XXXX, was originally held by XXXXXXXX XXXX  XXXX XXXX. and later sold by XXXX XXXX XXXX  XXXX. to PRA, LLC. The current balance being pursued is {$11000.00}. I have reason to believe that this debt is not valid and may be the result of identity theft or an error in reporting. I have already filed complaints and identity theft reports with the Federal Trade Commission. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that Portfolio Recovery Associates , LLC provide complete validation of the debt, including original account agreements, proof of ownership, and documentation confirming that I am legally responsible for the amount in question. Effective immediately, I demand that they cease all collection activities permanently while this matter is under investigation. If they can not provide the required documentation, I demand that they permanently stop all collection efforts and remove any related negative reporting from my credit file immediately. Failure to comply with this request may result in further legal action. I request the CFPB to investigate this matter and ensure Portfolio Recovery Associates , LLC adheres to fair collection practices.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

The servicer of my loan is Specialized Loan Servicing LLC. I have been trying to get a loan modification from SLS since XX/XX/XXXX. SLS denied our application outright. On XX/XX/XXXX, SLS recorded a Notice of Default. I applied again for a loan modification with updated income information. 
On XX/XX/XXXX, SLS offered me a loan modification at 9.45 % interest with payments of {$2100.00} a month. This is a second loan on top of my first loan, so there is no way I can make these payments. On XX/XX/XXXX, I sent SLS a letter saying the payments they proposed were impossible, but I could make payments of around {$500.00} a month. I have not heard back from them. I am worried they are going to foreclose on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX  Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an 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 or 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

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank youXXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.
Product: Credit reporting or other personal consumer reports

Billing and reporting errors are unfairly harming my credit, violating my rights under TILA ( 15 U.S. Code 1666 ( b ) ). Payments I made have not been accurately recorded, and there are clear calculation discrepancies in the reported balances. Additionally, I did not receive the legally required 21-day notice before a payment was due, which invalidates any late payment markings. Moreover, under FCRA ( 15 U.S. Code 1681s2 ( 3 ) ), creditors must not furnish disputed information to consumer reporting agencies without indicating that the information is under dispute. I filed a dispute over 35 days ago regarding these inaccuracies, yet you failed to notate the items as disputed. This not only violates federal law but has also caused me to lose financial opportunities due to the continued reporting of inaccurate and unflagged items. This inaccurate reporting, including falsely marked late payments, has significantly damaged my credit score. All alleged late payments were made on time, yet they persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 different accounts with DEPT OF ED/NAVIENT and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Identity theft occurred submitted information via police report and it is still on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX A XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX Employers : XXXX XXXX Employers : XXXX collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$56000.00} late payment : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX and XXXX has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a penny of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 no
t 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.

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! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle in light of the cfpbs lawsuit. I have reached out to Zelle to help me get a refund when I sent money for a service and then never received that service. They informed me that they were incapable of refunding me. Zelle failed to investigate my claims adequately and I feel as though they are unsafe for consumers use because of their inability to track these transactions properly.
Product: Bank account or service

On Saturday, XXXX XXXX, 2015 I went to Chase Bank to cash check that wriitten and from Chase I show proper ID and they request me and other to pay {$8.00} to cash their own check. When I ask the tell and the bank respresentative they said do have this in written they tell customer this without legal statement to explain the fee nor is it posted in the bank Please investigate Chase Banks product and services and ensure the bank is working according to United States Federal Bankng Regulations
Product: Debt collection

On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.
Product: Debt collection

In XX/XX/XXXX, I received an email from XXXX XXXX XXXX  saying they were a student loan forgiveness program. I enrolled in their program with a contract of 240 months, paying {$49.00} a month for 40 months. After that as long as my income did n't change and I made payments on time my entire student loan debt would be forgiven. Last month, XX/XX/XXXX, I received a statement from XXXX where I noticed the loan was accruing interest. I contacted XXXX XXXX XXXX, on my first attempt the phone number I was given played a recording that the company no longer was accepting phone calls on behalf of XXXX XXXX XXXX. I XXXX the company on XX/XX/XXXXand spoke with a manager named XXXX, ID # XXXX, who told me after 3 days I was no longer able to cancel the contract. I 'm contacting the CFPB because Integra is using a third party collection agency Equitable Acceptance who is expecting payment and should this turn out to be a scam I do no want to continue paying for a service that is not doing what they said there company would do.
Product: Credit card or prepaid card

Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. 
I applied for an extension of credit on XX/XX/2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference.

15 U.S. Code 1681a ( k ) Adverse Action. 
( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer. 

Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. 
I contacted this company on XX/XX/2021 at XXXX EST and spoke with a representative to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.

As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimination and violations under the Federal Deposit Insurance Act, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission Act.

Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. 

- I have also included the letter that they sent me after my application was denied of thier violations for reference for this company Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is Experian credit reporting
Product: Consumer Loan

I would like to file a formal complaint against Toyota Financials for mishandling consumer information and also for illegal business practices. 
On XXXX/XXXX/XXXX, I applied to lease a XXXX Toyota XXXX XXXX at priority toyota of springfield. On XXXX/XXXX/XXXX, the application was denied by toyota financial services ( Please see attached ). When I received the denial letter, I went to the dealership to return the vehicle. This happened the day after I received the letter. Dealership refused to accept the vehicle and threatened to tow the car at my expense. Dealer printed new temporary vehicle tags that was set to expire a month from XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I called the bank to see if I could make a payment on the vehicle since the next payment was due on XXXX/XXXX/XXXX. Toyota financials told me that they did not have account number so I could not make a payment on the car. They told me talk to the dealership. I went to dealership to return the car since there was no financing for the car. Dealership again refused to take the car back. This time the Manager XXXX XXXX told me that he will call the towing company himself to tow the vehicle at my expense. 

During this time from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, both priority toyota and toyota financials kept checking my credit reports. They checked the credit report at least XXXX times on different dates for the same application. 

On XXXX/XXXX/XXXX, I received a call from toyota financials telling me that my account is past due and that I should pay {$610.00} by XXXX/XXXX/XXXX or they will take legal action. I paid the {$610.00} to toyota financials on XXXX/XXXX/XXXX to avoid my credit being ruined. 

On XXXX/XXXX/XXXX, toyota financials reported my account as 30 days past due to the credit bureaus which resulted in a XXXX point drop to my credit scores. Please see attached files. 

I am appealing to the XXXX XXXX XXXX to look into this matter to see if anything can be done to help resolve this issue. 

Thank you.