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

In accordance with the fair credit Reporting act Toyota Motor Credit Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 A cleary states in ( 2 ) Exclusions the term " consumer report '' DOES NOT INCLUDE - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous unauthorized accounts and inquiries appearing on my credit report without my knowledge or consent. I am requesting that these inaccuracies be addressed and removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and expect a swift resolution to restore the accuracy of my credit report by deleting these fraudulent entries.
Product: Credit reporting or other personal consumer reports

XXXX Republic Finance- {$1600.00} Charge off, XXXX  XXXX Charge off {$1000.00} Regional Finance {$15000.00} Charge-off, and I did not receive a 1099c of any of this
Product: Debt collection

I have a charge on my credit report from a XXXX XXXX that was reported in XX/XX/2019 for the amount of {$2500.00}. The debt does not belong to me. The social security number on the profile doesnt match my official social security number.
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of multiple late payments by JPMCB AUTO FINANCE to the credit bureaus. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Debt collection

I have made several complaints about this company LVNV Funding or Resurgent Capitol Services for a {$1000.00} debt that they keep attempting to collect without providing proper validation materials that I have requested.

For the 3rd time, I have sent a certified mail piece requesting the debt be validated with proof of I am the person they are attempting to collect from. The failed to respond within the 30 days provided from the date of receipt of the certified mail piece, HOWEVER, they continue to report the debt on all three credit bureau? Isn't that against the FDCP law?

I have my certified mail pieces with signed USPS certified return receipts. They are still after 2 complaints reporting this debt, causing me to be denied housing and loans. Now even after going thru the mailbox, written, 30 day validation process, they STILL HAVE NOT produced any of the documents requested or validation. The credit reporting companies prey on XXXX people like this daily. XXXX
Product: Payday loan, title loan, or personal loan

I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers
Product: Mortgage

Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX XXXX. Their Attorneys XXXX, XXXX, XXXX and XXXX XXXX, their Local local Attorneys the law offices of XXXX and XXXX, XXXX XXXX the special representative for the bank, the 2 Judges who sat on the Case Jugde XXXX and Judge XXXX, the Circuit Clerk XXXX XXXX, the Recorder of Deeds XXXX XXXX, the Sheriff of XXXX County, the XXXX Police Department, The XXXX XXXX XXXX Lady XXXX XXXX for evicting me and destroyment of my property in violation of the False Claims act and the Federal and Illinois Servicemember Civil Relief Act, they all have defrauded me out of property and defrauded the United States Government Fraudulent False Claims against the FHA, FHA Case # XXXX they all have failed to validate the debt pursuant the Fair Debt Collections Practices Act, suing dead people is legally impossible Case # XXXX, XXXX County, Illinois XXXX XXXX XXXX XXXX XXXX. vs XXXX XXXX XXXX ( Deceased ) they have engaged in fraud the court lacked subject matter Jurisdiction and personal Jurisdiction, XXXX XXXX XXXX XXXX XXXX. and their associates has engaged in a pattern and practice of submitting falsified documents Robotic signing of falsified documents. To obtain illegal Judgements of Foreclosure of Sale and to obtain insurance payments from the FHA ( Loan Scams ) they have illegally evicted me in violation of the SCRA Federal and State Fair Housing and Consumer Protection Laws, I was not the alledged mortagor.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : - Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Date of Dispute Submission : XX/XX/XXXX - Dispute # XXXX - Nature of Dispute : These accounts were disputed on the grounds of identity theft and are fraudulent. 

TransUnion 's Response : As of XX/XX/XXXX, I have not received any communication from TransUnion regarding the status or results of their investigation into these disputes. 

FCRA Violations : TransUnion 's failure to respond to my disputes within the required timeframe constitutes violations of the FCRA : 1. Failure to Investigate Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : TransUnion is required to investigate consumer disputes within 30 days of receipt. My disputes were submitted on XX/XX/XXXX, and as of XX/XX/XXXX, no response has been provided, exceeding the 30-day requirement.

2. Failure to Provide Results of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ) : TransUnion must provide written notice of the results of the reinvestigation within 5 business days after completion. I have not received any such notice.
Product: Vehicle loan or lease

On XX/XX/2020 I made my car payment of XXXX to Exeter Finance Corp On XX/XX/2020 they called and told me my car payment was past due and I had a balance of {$5300.00}. I asked why was my payment so high and they told me my loan was at the end of the agreement and that I had to pay the amount in full by XX/XX/XXXX. At the time I was trying to get my home and I knew that I could not afford to have another late payment. I had been doing so well. So I thought I could come up with the money I was running out of time. So I went to my bank XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked about a loan. My banker talked to me about my options and she suggested I refinance. So that is what I did. On XX/XX/2020 XXXX  XXXX XXXX XXXX mailed out the check that same day. On XX/XX/2020 Exeter Finance Corp called me and asked about my payment. I let them know that a check was mailed to them by XXXX  XXXX XXXX XXXX. She asked me was it the full payment of XXXX and I said yes she said she was putting the notes on my account. On XX/XX/2020 I notice that on my XXXX  report my credit score had dropped 40 points and 60 on XXXX. I looked to see that Exeter finance had reported my account as a late. I called Exeter and asked could I speak to a manager and the guy asked what was the issue I told him that I had gotten my car refinanced and my check was submitted on XX/XX/2020 and they still reported my payment late. He told me that his manger wouldnt do anything because they didnt receive my payment until XX/XX/2020.
Product: Money transfer, virtual currency, or money service

Inadequate customer service, which violates the consumer financial act.
Product: Credit reporting or other personal consumer reports

The car dealership ran my credit XXXX to XXXX times without my permission when I asked them to run it three times to their favorite banks and they took it upon itself to run into XXXX banks. They would like to have the inquiries removed of my credit report.
Product: Checking or savings account

XX/XX/XXXX : I RECEIVED A DEBIT CARD FROM BANK OF AMERICA. 
XX/XX/XXXX : I RECEIVED A LETTER FROM BANK OF AMERICA STATING THE ACCOUNT HAD BEEN CLOSED. 
XX/XX/XXXX : I GOT ANOTHER DEBIT CARD FROM BANK OF AMERICA WITH A NEW BANK ACCOUNT NUMBER. 
XX/XX/XXXX : THIS IS WHEN I ACTUALLY OPENED MY MAIL AND SAW EVERYTHING. I CALLED BANK OF AMERICA AND THEY SAID NO TRANSACTIONS HAD BEEN MADE ON EITHER ACCOUNTS. THEY LOCKED/CLOSED BOTH ACCOUNTS AND OPENED UP AN INVESTIGATION AS I REQUESTED. 
XX/XX/XXXX : I RECEIVED ANOTHER LETTER FROM BOA WITH COPY OF A CHECK FOR OVER {$2400.00}. IT SAID THE CHECK HAD BEEN PUT ON HOLD.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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: Credit card

I have a dispute against XXXX where I paid my mortgage and turned around and paid XXXX the same amount ( XXXX ) the same day. I always maintained a XXXX balance on the XXXX XXXX. XXXX days later, XXXX rescinded the rent payment and kept the money. My mortgage company just let me know the payment for last XXXX XXXX was missing and what happened. I have all my statements showing my XXXX transactions each month ( I never used the card for anything else. ) They did not notify me that they rescinded the rent payment. I have been hearing from their XXXX desk going on XXXX weeks now and they have XXXX customer service people who know nothing. XXXX has no procedure for handling a dispute. I finally got Wells Fargo ( who partners with this card ) as the owner to assist yesterday but XXXX unsure if anyone is really owning this and trying to assist me. I have proof of all statements including my bank statements that show my payment to XXXX. I canceled my card last XXXX when fraudulent charges were made that they approved even though as soon as I received a text asking Did you just use your XXXX XXXX at hotel in XXXX XXXX XX/XX/XXXX of XXXX? I phoned them immediately to tell them I didnt use the card. They still posted them to my account so I had to file a dispute and ask for proof with my signature at the hotels. There were XXXX charges and XXXX were at hotels. They took XXXX months but finally corrected their mistake. This was after they rescinded my mortgage in XX/XX/XXXX and never notified me. I demand they give me the XXXX and late fee charges of {$68.00} for each month since XX/XX/XXXX. They refuse to send me a list of transactions or evidence as to why they rescinded my mortgage payment. I even sent them the relevant statement for XX/XX/XXXX yet they refuse to engage and refuse to assist me. There are thousands of complaints against this crooked card. MY NAME IS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. AUTO LOAN opened at XXXX  XXXX XXXX XXXX on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I have a 24 month payment for {$1900.00} with paypal with a 3 % interest rate. When I made the purchase paypal told me that I would need to make 24 equal monthly payments to complete the purchase. A few months later I made a 6month deferred interest purchase of {$900.00}. When making I made payments that exceeded the amount needed for 24 equal payment and added extra that would payup the defered interest charge such that it would be paid off in 3 months. On checking my statements I notice that paypal was not applying the payments as expected. Most of the payments over the minimum ( structured payment + {$27.00} ) were allocated to the structured payment plan and not to the defered interest purchase. Essentially after 2 months only {$54.00} was allocated to the defered interest and the rest to the structured payment. I called paypal and they informed me that I need to all every month for them to allocate the payments accordingly. This is pretty deceptive since its not made clear during the purchase that if one has other plans with the company then then the payments need to be adjusted every month.
Product: Checking or savings account

XX/XX/XXXX I opened a savings account at Bank of America with several checks from United States trrausury from my social security benefits. I received a letter on XX/XX/XXXX notifying me my account was closed, i called the fraud & claim department several times which they kept giving me different information for reasons my account was closed ; XXXX they told me I was commiting fraud because my checks expired & cancelled by the United States treasury Dept ( my check were not expired ) and funds from the Treasury dept was not released to the bank. 
I called the United States trrausury and they informed me that each one of the checks funds were released to Bank of America on XX/XX/XXXX. 
Then I called back Bank of America informed them my findings with the United States Treasury and this time they informed me the bank was holding the money from my checks deposited and it will be return to the United States Treasury Dept. but they don't know when or how long of time it will take. I found this strange so I called the office of the United States Treasury and they said they don't receive money back after the bank confirmed my Identity of been the payee of the checks and that I need to resolve this matter just the bank and myself. unfortunately Bank of America refuses to help me. I have documents from social security office stating my benefits with dates and amounts that match each of the checks.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to express my deep concern and frustration regarding the continued presence of a fraudulent account on my credit report, despite my repeated attempts to dispute and the successful deletion of this information by other credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  have already removed this account from their records. 
I want to emphasize that I am a victim of identity theft, and I have taken immediate action to report and rectify the situation. I have successfully communicated with XXXX and provided them with evidence supporting the fraudulent nature of the account. They have promptly taken the necessary steps to delete this information from my credit report in accordance with the Fair Credit Reporting Act. 
It is disheartening that Equifax has not followed suit and continues to report the fraudulent account without providing any valid verification or resolution.
Product: Debt collection

I have no idea what this is about. I sent a letter in XXXX and they did not respond to me.
Product: Credit card or prepaid card

On XX/XX/2020 I made a deposit payment in the amount of XXXX on my Visa BECU credit card. As a result of Covid-19 the project was not able to be completed and absolutely no work was  performed. On XX/XX/2020 a refund was issued however the refund has not reflected on my account .And this is ruining my credit score in the  middle of a refinance of my home.
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 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

I am filing this complaint because Equofax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 55 financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report with Equifax regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Equifax has incorrectly listed late payments post-account closure, which is both inaccurate and misleading.

Furthermore, during the COVID-19 pandemic, I reached out to creditors, including Credit Acceptance , and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified.

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process. 

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history. 

please find attached a letter to Equifax, my ID, my SSC, my proof of address, XXXX credit report showing 0 late payments.