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

I sent a letter out on XXXX XXXX to Experian and XXXX about a XXXX collection accounts which is XXXX XXXX XXXX and diversified adjustment However the credit bureaus sald they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S, Code 6 1681a - Definitions ; rules of construction. 
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 shall not include specific factual information on a consumer 's 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. 
I would like to know who did they talk to. 
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Product: Vehicle loan or lease

This company took advantage of me by hiding the full auto loan cost and setting me up for failure. They did not tell me about the extra fees they charged me over the years and also they have been reporting my payment later every month for multiple years even after we agreed on {$120.00} payment. I have been paying {$120.00} on time but they still are reporting it late ever month. 

The total balance of the loan is not correct, they added extra interest and fees. Ive been paying on this loan for XXXX  months and they still wont release my title because they are saying i owe over {$1000.00}. They took advantage of me by hiding fees extra fees added on this loan. I am being charged extremely high interest and fees. 

And also they keep reporting my payments late on my credit report even after we agreed for {$120.00} payment which i am paying. I tried to get them to stop it but they still reporting late every month on my credit and its making it very hard get approved for anything.
Product: Credit card or prepaid card

Around XXXX XXXX, XX/XX/XXXX, I tried to apply for a credit card to XXXX XXXX  but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it yesterday XXXX XXXX XXXX XXXX I called Experian to ask them about the problem and the costumer service told me to report the problem to you guys.the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Mortgage

I am a part of the haf program and my payments are supposed to be being paid by this program I had to extend my Covid forbearance because the payments from XXXX and XXXX have yet to be posted today is XX/XX/23 so I will basically be going into XXXX  3 months behind
Product: Debt collection

XX/XX/XXXX I bought a vehicle from XXXX automotive in XXXX Alabama. Less than 1 week later I returned it due to not running properly and in turn I bought a XXXX infinity XXXX from same dealership- I was told the XXXX XXXX would be paid off in full by XXXX as I then had the XXXX  which I currently own and am paying for. XXXX procrastinated paying it off sending my husband a check for three months to make the XXXX XXXX loan payment until XXXX could handle it then XXXX stopped answering or returning calls- inevitably his business closed and I still almost 2 years. Later have this XXXX XXXX on my credit report for XXXX on a vehicle I never had and have no idea where this vehicle even is. I can not and will not pay for a vehicle that is not mine. I can not afford to pay for a vehicle that no one knows where it even is plus my actual vehicle that I own. I need this figured out and taken off my credit report desperately
Product: Credit reporting or other personal consumer reports

Whatever this is attached to I've received no communication per the FCRA laws as to when my issue will be corrected or even investigated. This trash is not helpful nor will it be responded to now or later. It's a stall tactic and one of the reasons you were sued by the CFPB.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items listed below. 
The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. 
I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. 
CITI- XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account Sincerely, XXXX Attn. : Consumer Relations XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance 1 of 2 CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Consumer Financial Protection Bureau po box 4503City, Iowa 52244 Enclosures : Proof of Address Proof of Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and noticed unauthorized inquiries in my report. They are the following companies please remove from all 3 bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by CBS Collections . I am in receipt of CBS Collections ' letter informing me that they are handling the " collection '' of the account # XXXX for {$1200.00} ; account # XXXX for {$1700.00} and account # XXXX for {$1100.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between CBS Collections & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate CBS Collections ' claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and CBS Collections continues to report this fraudulent ( on CBS Collections ' behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in CBS Collections ' letters, these are " medical accounts ''. Therefore, this is a violation of my HIPPA due to CBS Collection not attaching a signed ( by myself ) HIPPA authorization form listing CBS Collections.
Product: Checking or savings account

My First Republic Banking Accounts and services were moved to Chase over the past weekend. I can not access my bill pay history or payees. 

I contacted Chase on XX/XX/24 @ XXXX - I talked to 3 people and I was on hold for a total of 44 minutes. None of the people could help me. The first 2 transferred me. The 3rd person told me the conversion was not complete. 


Now they tell me I can not see the history or use the bill pay for 5-7 business days. This was NEVER highlighted during any of their information sessions or printed material. I may be hidden in the fine print, but I can not find this 5-7 day delay. 

I asked for an extracted report of my bill pay history from Chase, but they told me they could not do this for me.
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  Account number : XXXX XXXX ) Attorney General Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXX  XXXX Account number : XXXX XXXX ) XXXX XXXX XXXX Account number : XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 ( i ) 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information information. 
( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ij ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 U.S.C 1681 ( s ) 2 they are suppose to 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

XXXX XXXX XXXX XXXX has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as Equifax, XXXX and XXXX XXXX . XXXX XXXX XXXX XXXX has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the XXXX XXXX XXXX XXXX and the Equifax, XXXX and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to XXXX XXXX to cease their reporting of my private information.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and I did not receive the OPT-out notice at the time I created the account under 15 USC 6802. 

Unknown Account Name XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a section 2. It also states a consider reporting agency can not furnish an account without my written permission.

15 USC 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 USC 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: Debt collection

I have included a letter that was previously not included in my recent complaint regarding this matter. 

I am filing this complaint because XXXX XXXX XXXX  and NATIONAL ENTERPRISE SYSTEMS have repeatedly contacted me, claiming I owe a debt that I do not recognize and for which I have no contractual obligation. I have no relationship with either company, nor have I authorized the sharing of my personal information with them. Despite my lack of consent and the absence of any valid contract, they have continued to send misleading and unauthorized communications, causing undue stress. I request that all collection activities and communications cease immediately, as these actions violate the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate UpdatedXXXXOriginal Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status XXXX >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXXE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I put a thaw on my credit freeze on my credit report with Experian. I put the thaw from XX/XX/XXXX through XX/XX/XXXX. Experian 's website stated that the thaw is in place for that time period. I even had my banker check it with me as I was applying for a credit card with XXXX. XXXX tried 6 times to access my report but was unsuccessful. When they tried to pull my report, the system my report was frozen. I also checked the website twice & it stated that the thaw was in place. I called 3 XXXX XXXX phone numbers of Experian and you can not get anyone on the phone to address the problem. I also put a case in online about this problem and never heard back. This is the 2nd time this has happened to me as it also occurred in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested all of the documents for the account Ford motor credit Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.
Product: Mortgage

We recently paid down the principle balance due on our HELOC in order to lower our monthly payment amount. When we could not obtain an accurate payment amount on the LOANCARE website, I called their customer service.

I placed three phone calls to the company.

1 ) ( XX/XX/XXXX ) - Reached a LOANCARE representative who stated I would be contacted by XX/XX/XXXX to gather information to " recast '' the loan.

2 ) (XX/XX/XXXX ) - No call ever came. I called LOANCARE again. The representative stated that the loan could not be recast because it was a variable rate, but that my payment amount would be recalculated on the new principle balance of {$60000.00}, loan due date of XX/XX/XXXX, and it would appear so in my next statement.

3 ) (XX/XX/XXXX ) - Received the HELOC statement and noticed that the loan had been recast by accelerating the contract due date to XX/XX/XXXX.

4 ) ( XX/XX/XXXX ) - Called LOANCARE. Representative told me that provision # 10 in the attached HELOC agreement, " allowed LOANCARE to make changes that unequivocally benefit you. '' LOANCARE has without contractual basis or cause, accelerated the loan term thereby materially violating the contract.

There is ABSOLUTELY no " unequivocal benefit '' to us to have the loan repayment terms accelerated.

1 ) The loan maturity or due date is XX/XX/XXXX, approximately 9 years from now.

2 ) The HELOC was sold to us as a 20 year home equity loan.

3 ) There is no acceleration clause in the contract.

4 ) The purpose of paying down the principle was to reduce our payment and we relied on the repayment terms of the contract maturity date.

5 ) Acceleration of the repayment period solely benefits the mortgagee.

6 ) It is pure fiction that we ( the mortgagor ) derive some " unequivocal benefit '' by having the repayment period accelerated.

7 ) Contrary to what LOANCARE representatives stated to me on the phone, LOANCARE can recast the variable rate HELOC and in fact has by recasting our HELOC maturity date to XX/XX/XXXX from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX  : Account # : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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