23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have filed two former complaint against Ally financial in my last complaint I explained how XX/XX/XXXX even though I disputed the amount I made four consecutive payments Ally financial postage three of the payments to my credit to my truck and then the fourth payment made on XXXXthey took an entire payment posted to late fees in the amount of {$520.00} instead of applying it to my payment that was due on XX/XX/XXXX then continue to mark my account as delinquent and I have been trying to get this corrected as I have made every payment on time they said in XXXX of XXXX I provided proof that I made four payments totaling XXXX XXXX XXXX XXXX how they can take the payment that was made on XX/XX/XXXX and apply that toward fees instead of my current payment due is what Im disputing and therefore my account is not late and needs to be updated to reflect that my account was paid in full as of XX/XX/XXXX my payment was due on XX/XX/XXXX. In my former complaint they stated I have not reached out to the company I have reached out to every person in that company nobody can fix it everybody tries to argue with me I have provided documented proof both to consumer protection agency all three credit reporting agencies and Ally financial I can not get a direct number to contact the department that handles dispute and I can not get a direct address to the number that handles dispute the information that they provided to consumer protection is not correct and theyNo explanation as to why my payment on XX/XX/XXXX was not applied to my payment that was due on XX/XX/XXXX instead an entire payment was applied to XXXX and therefore continue to mark me as delinquent for that month and every month there after accumulating a continuous barrage of late payments or fees
Product: Credit card or prepaid card

On XX/XX/2021, I, XXXX XXXX completed an online application with Capital One for a credit card. I received a denial for credit the same day stating the reasons why. The reason for Capital One decision is explained in the sentence below- *Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquires. 
*Based on your credit report from one or more of the agencies on the back of this letter, recent credit bureau inquiry. 
*Based on your credit report from one or more of the agencies on the back of this letter, length of revolving credit history. 
*Based on your credit report from one or more of the agencies on the back of this letter, insufficient experience with high lines of credit or credit amounts. 
According to The Truth and Lending Act, I, XXXX XXXX extended my credit to Capital One which made them the borrower according to 12 U.S.C 1431. Capital One explains how their decision was made based on the Fair Credit Reporting Act, which is false and deceptive according to Federal laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. 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 the consumer did not consent too, nor authorize this inquiry from XXXX XXXX XXXX  on my Experian consumer report. XXXX XXXX  did not have my permissible consent to obtain my consumer report from Experian. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages I was humiliated by Experian for sharing my consumer report with another corporation. My credit score went down at least 10 points I demand them to raise my score and {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 days.
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist 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
Product: Checking or savings account

I've been a loyal Wells Fargo Customer since about 2007 and I've always had recurring fees, overdraft fees that's they could never explain correctly.
Product: Credit reporting or other personal consumer reports

I have a collection on my credit report from XXXX XXXX. As of XX/XX/year> this should have been removed. I submitted 2 requests to TransUnion and they denied both.
Product: Mortgage

On XX/XX/XXXXXXXX  I became XXXX percent XXXX through the VA and became exempt from property taxes starting in XXXX. I have notified my mortgage company multiple times but they continue to collect money for escrow payments and pay XXXX XXXX Tax collector even though I don't owe property tax. They just sent out a payment for {$2900.00} in XX/XX/XXXXXXXX  despite my property tax bill obligation being {$0.00}. I personally believe that they are intentionally doing this so that they can keep the money after XXXX XXXX doesn't accept the payment. My loan number is XXXX with Mr. Cooper Nationstar Mortgage LLC. I provided a copy of my VA benefits letter and my property tax statements of {$0.00} for XXXX  and XXXX. Please help me with this situation as I am not sure of how to protect myself from this company at this point.
Product: Credit card

My original complaint : In late XX/XX/year> we received a package from XXXX XXXX XXXX XXXX XXXX XXXX  In the box was a high end XXXX XXXX XXXX XXXX ). We did not order this product nor have I ever heard of or purchased anything from XXXXXXXX XXXX I immediately checked our credit card statement and found two separate charges from XXXXXXXX XXXX, one on XX/XX/XXXX for {$2300.00} and one on XX/XX/XXXX for {$2300.00}. Once I saw these charges I submitted a fraud claim to my credit card company, USAA Federal Savings Bank. I also reached out to XXXX XXXX to let them know that I had received merchandise from them that I did not order and expressed my willingness to return the item to them. XXXX sent me a voucher for shipping and I have proof of their receipt of the merchandise dated XX/XX/year>. Both of my initial fraud claims were denied by USAA. I appealed both decisions and on XX/XX/year> XXXX claim was again denied and XXXX XX/XX/year> XXXX claim was affirmed. When I contacted USAA, the only information they gave me was that the merchant, XXXXXXXX XXXX claimed the transaction was valid and thus I would be charged in full. To recap, someone fraudulently charged 2 separate transactions to XXXX XXXX  for high end rifle optics. One was sent to my house which I promptly returned to the merchant. USAA has denied one of my claims and has provided me with no recourse. How can I possibly prove that I didn't buy this item? 

Update : USAA found that multiple purchases on or around the same dates in XXXX XXXX were fraudulent, EXCEPT for one of two purchases made at XXXX XXXX detailed above. When asked the rationale for approving all of the other fraud claims, but denying this one ( EVEN THOUGH ONE CLIAM WAS ACCEPTED AT THE VERY SAME MERCHANT ), no one at the company can provide me with an explanation. All I get is a form letter saying my claim was denied. When asking any and every representative I talk to, I am merely informed that the fraud algo USAA uses found that we were responsible. How can I fight this finding when they won't even tell me what evidence I have to refute? How can this possibly be my only recourse? I am now forced to litigate this matter and will pursue recourse vigorously.
Product: Mortgage

My partner and I have been trying to close on a Mortgage since XX/XX/2022. Since day one process felt fishy. We encounter so many obstacles from lender. We tried to lock rates before they went up and the loan officer just told so many excuses to prevent us from locking rates. Then we learned that the same house we're buying the price went down as well as closing cost grant were raised. We spoke with the lender to see if we could match the new closing costs grant and match the selling price. We were denied by the XXXX XXXX division supervisor. But if we cancel the process, this home will be sell under new prices and closing costs. Never the less we decided to move on and complete the process even that this feels wrong and discriminatory. 5 months waiting to close and the house to be finished. Then the underwritter started to asking questions that was already answered since day one. Questions that impose we were lying. That the provided employment information about reallocation was a lie even when all the bank statements only had my employer direct deposits with the employer name on each deposit. We finally received in XXXX the final disclosure for the loan, which we signed. XXXX XXXX week before closing, they sent us a " revised '' new agreement with the monthly loan payment being raised. I've never felt so mistreated and discriminated in my life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One week before closing they're changing everything just to make us walk away and not complete the process and lose the {$5000.00} deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts present with Equifax, XXXX, and XXXX  for many months with little response from the credit bureaus. This is a violation of the Fair Credit Reporting Act and the accounts listed in the attached letters should be deleted.
Product: Mortgage

after giving me the run around for a couple of years I was able to get citizens bank to refinance my loan I have had with them for 11 years at 6.74 % they sent me a package with things they would need from me to close loan, XXXX thing was 30 days worth of check stubs.i imformed them that I had XXXX 2016 stubs and I have been on workmans comp since XXXX XXXX, 2016 for an XXXX that I exacerbated working. after i told them that they told me that they would not be able to refinance my mortgage because i was on XXXX i imformed them that me working does not pay the monthly mortgage on house in question. i was told it had to do with debt to income ratio, i imformed them with a refinance that would lower my debt to ratio from paying them {$260.00} a month with a refinance my payment would only be {$120.00} a month. also they doubled up my debts and listed them twice on application as to make it look like i had more debt than i did. they also failed to count income on a house i own outright, as well as having me pay taxes and insurance on houses that they know or should know are escrowed with monthly payments i have on those houses, in essence they had me paying XXXX taxes and XXXX insurances which in turn effected my income to debt ratio. the way i see it they will use any and everything to keep me from paying a lower rate on this mortgage and i think that is very wrong. basically more money in the banks pocket. also they wanted me to pay for appraisal fee out of my own pocket while they pick the appraisal company this seems like they are setting me up for a lowball appraisal that way they can deny me because appraisal came in to low. all houses so far that i have refinanced the appraisal fee was written into loan with other closing cost. i thought turning people down because they are XXXX was against the law
Product: Vehicle loan or lease

I bought a van in XXXX  while on XXXX XXXX in XX/XX/XXXX. I XXXX in XX/XX/XXXX and moved to XXXX. InXX/XX/XXXX, I had the van refinanced to assist in a home loan approval. GM Financial ( the original finance company ) sent XXXX XXXX XXXX ( the refinance company ) a " release of lien '' letter, but never sent the title. XXXX XXXX was able to refinance it somehow, but this time, they need the title, and GM Financial won't send them a copy. I even tried going through the XXXX  Department of Licensing, however they never received anything from XXXX   either. XXXX  NEVER generated a paper title, I NEVER received a paper title, and XXXX XXXX XXXX has NO WAY to transfer the title to XXXX ... without a paper title.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This complaint is against Wells Fargo Account # XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( Wells Fargo Bank ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between Wells Fargo and me. 

Furthermore, I am requesting that Wells Fargo provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving Wells Fargo 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. Additionally, I am requesting that my credit utilization no longer be reported to the forementioned consumer reporting agencies as it is illegal to share my transaction history. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Equifaxs Unlawful Refusal to Block My Information Under DBRA To Whom It May Concern, I, XXXX XXXX, am filing a formal complaint against Equifax for unlawfully denying my request to block my personal information under the Debt Bondage Repair Act ( DBRA ). Despite submitting all required documentation, including a valid determination letter, Equifax has wrongfully rejected my request, claiming that my determination letter is not valid. 

This denial is unjustified, as my determination letter was issued in accordance with DBRA guidelines, and Equifax has no legal authority to question its validity. Federal law explicitly requires credit reporting agencies to accept valid determination letters from authorized organizations. By refusing to do so, Equifax is violating my rights as a victim of human trafficking and failing to comply with federal law.

Furthermore, Equifax has failed to provide due process. I have not received proper communication explaining why my request was denied or what specific information they claim is lacking. Instead, they have ignored their legal obligations and left me exposed to ongoing harm, including re-exploitation, identity fraud, and financial discrimination.

Requested Actions from the CFPB : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to hold Equifax accountable for : 1. Illegally rejecting a valid determination letter issued under the DBRA.

2. Failing to comply with federal law requiring them to block my information.

3. Depriving me of due process by not properly notifying me of the reason for denial or providing a clear path for resolution. 

This is causing me extreme emotional distress and financial hardship. I demand that Equifax immediately process my request, as required by law, and block my information without further delay. 

I have attached all relevant documentation, including a copy of my valid determination letter and correspondence with Equifax. I urge the CFPB to take swift enforcement action to ensure Equifax complies with federal law and stops harming victims of human trafficking. 

Attachments : Copy of my Determination Letter Proof of submission to Equifax Correspondence with Equifax Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I am not aware of this, and the company made this decision without consulting me.
Product: Credit reporting, credit repair services, 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, 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed a number of unauthorized credit inquiries on your XXXX credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is for Equifax credit reporting agency and I had an unauthorized credit card applied with my information at ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I FAXED ARS ABOUT 3 PUBLIC RECORDS THAT DONT BELONG TO ME