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

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : 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 reporting or other personal consumer reports

Grid is reporting two accounts within their company under my profile- while I only believe to have one account with them I understand the basis that I have a credit line and an advance line through them under the same account. However, my issue within this company is the false reporting. They are currently reporting that I am 120 days late, I have never been 120 days late with their company. I disputed the reporting XX/XX/31. They updated my account as paid as agreed and then as of last week changed it back to over 120 days late, which is wrong. 
They are violating my rights of the Fair Credit Reporting Act by falsely reporting my account as over 120 days late. I have attempted to resolve this issue in a multitude of differing ways and nothing has been resolved. I am in the process of trying to buy a house and their false reporting is destroying my chances of getting my home. 
If they can not fix this and correct my report I will have no other choice but to turn to other actions to resolve this violation of my rights.
Product: Credit reporting or other personal consumer reports

I filed a dispute on acct # XXXX, XXXX XXXX with a collection amount of {$460.00} due to this account not being mine and not having no knowledge of this account.XXXX  denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results.This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed and corrected immediately as it's affecting my chances of getting { house, car, etc. }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the past due status on my account for the original creditor " Stellar FI '' with account number # XXXX with a balance of {$0.00}. 

I am a victim of identity theft and I can assure you this past due is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 1666B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 1 ) I had bank accounts in XXXX XXXX XXXX and XXXX, then i have sold my bitcoins ( on XXXX ), but buyer committed a fraud and paid with stolen cards. 
2 ) Banks returned money to owners, but bitcoins were stolen. I've lost XXXX {$3.00} ) XXXX  XXXX XXXX closed my accounts and sent report to ChexSystems. 

XXXX  XXXX XXXX didn't request any information about transactions and didn't do any investigation. 
Late on XX/XX/2018 I opened a complaint against XXXX XXXX XXXX ( XXXX ) but it repeated situation - did nothing and didn't contacted me except one call notified me about case when I said I can provide all documents to prove I'm clean. 

Now I want to open a case against ChexSystems ( www.chexsystems.com ) so at least they will do investigation if XXXX  XXXX XXXX have no resources to do that.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Experian regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4500.00} Payment Amount : {$170.00} XXXX XXXX : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Experian showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Experian. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt being reported by XXXX XXXX XXXX who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and Equifax. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Credit card

on XX/XX/year> I purchased a XXXX XXXX XXXX from XXXX intending to use their trade in program. I entered my serial number on their website and received a trade in credit value, I elected to use this value to shop for the new XXXX mini. 

Upon checkout it was insinuated that in order to use this program I needed to sign up for XXXX. After signing up this is not the case and after several hours on the phone I had to cancel the order. I am unable to cancel the XXXX due to there being a hold on the account. 

I was mislead into opening this account under false pretenses and now in closing it my credit will be negatively affected. This was a very poor experience overall and not something I would expect from a company like XXXX.
Product: Checking or savings account

Here 's the legally precise account of the illegal fee withdrawals, focusing on the facts and referencing the CFPB 's prior findings : Description of Illegal Fee Withdrawals " Wells Fargo has illegally withdrawn a {$10.00} fee from my account on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. This amounts to a total of {$70.00} in illegal fees. 

These withdrawals are in direct violation of established consumer protection laws and, specifically, run counter to prior findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Wells Fargo 's practices. The CFPB has previously addressed Wells Fargo 's pattern of charging unauthorized and illegal fees, particularly those related to [ State the specific type of fee if known, e.g., overdraft fees, insufficient funds fees, or improper account maintenance fees ]. 

Specific Actions and Violations : Unauthorized Withdrawals : Wells Fargo unilaterally withdrew {$10.00} from my account on each of the aforementioned dates without proper authorization. 
Violation of CFPB Precedent : These withdrawals mirror the illegal practices previously identified and addressed by the CFPB. Wells Fargo has demonstrated a continued disregard for regulatory compliance and consumer protection. 
Lack of Transparency : Wells Fargo has failed to provide a clear and justifiable reason for these fee withdrawals.

Monetary Harm : These illegal withdrawals have resulted in direct financial harm to my account, totaling {$70.00}. 

Demand for Immediate Action : I demand the immediate and full restitution of the {$70.00} illegally withdrawn from my account. I also demand that Wells Fargo cease and desist from any further unauthorized fee withdrawals. Wells Fargo must provide a detailed explanation of the legal basis for these withdrawals, which I contend do not exist, and provide assurances that they have corrected the systems that allowed these violations to occur. 

This is not a matter of dispute, but a clear violation of established legal and regulatory standards. Wells Fargo is on notice that further illegal actions will be met with all available legal remedies. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

There has been a po box in Illinois that was from someone opening a XXXX Account I have never been to Illinois nor do I use XXXX as a phone company This account was opened in 2011. I have been trying to get this off my credit for years. Yes there is now a police report.
Product: Vehicle loan or lease

I am looking to find out what my interest rate is on my car loan. I have looked through all of my payments and it seems as though my interest rate must be very high, as I have paid almost {$12000.00} on the loan and only about {$1000.00} of that has gone towards the principal balance. I am trying to get more information from them, but I can not get through to anyone.
Product: Mortgage

I closed on a conventional mortgage with XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX for a single family home. In late XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and that payments beginning in XX/XX/XXXX must be made to XXXX  ; the letter also stated that my payment due XX/XX/XXXX should be mailed to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. A payment was submitted via XXXX  XXXX XXXX online bill pay which arrived on XX/XX/XXXX. In XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating my loan had been sold to XXXX , XXXX . ( XXXX ). In late XX/XX/XXXX I received a statement from XXXX dated XX/XX/XXXX indicating that my payment due XX/XX/XXXX had never been received and that another payment would be due in XX/XX/XXXX. I called XXXX at XXXX on XX/XX/XXXX to discuss the discrepancies on the XX/XX/XXXX statement and spoke with a representative named XXXX ( no last name was given ). She said that the XX/XX/XXXX statement erroneously reported the XX/XX/XXXX payment would be due, and that I should not make that payment to XXXX. She also stated that she had no record of the letter dated XX/XX/XXXX indicating that my mortgage had been sold to XXXX, and that I should be paying XXXX ( I later learned independently of XXXX that XXXX is a subservicer of XXXX loans ). Further, she stated that my XX/XX/XXXX payment to XXXX should not have been sent to XXXX XXXX XXXX # XXXX, XXXX, IL but that it should have been sent to XXXX XXXX XXXX, XXXX, PA XXXX as indicated on a statement I received in late XXXX, several weeks after my payment was due. She informed me that my payment would not be considered past due by my new mortgage servicer ( XXXX/XXXX  ) and that I should not send any more payments to XXXX because they would be received after XX/XX/XXXX, when XXXX/XXXX  took over servicing of my mortgage. Based upon that conversation I did not send any further payment to XXXX. I had already paid my XX/XX/XXXX payment to XXXX  via ACH transfer on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX indicating that I was past due on 2 mortgage payments, due XX/XX/XXXX and XX/XX/XXXX, respectively and that XXXX has " a right to invoke foreclosure based on the terms of [ my ] mortgage contract ''. I have not been able to reach a customer service agent at XXXX regarding this latest letter but at this point I have no confidence that XXXX can resolve these continued errors without outside intervention.
Product: Credit card or prepaid card

I reviewed my credit report on   XXXX   XXXX   XXXX  , via  XXXX  and found a Capital One Credit card account on my   XXXX   and  XXXX  credit report, however I never applied for the card in question, which list the account status as " account relationship terminated '' Date opened    XX/XX/XXXX    ; amount {$560.00}, this account is listed as in " good standing '' and " paid as agreed, '' however I did not authorize this account to be opened up in my name, or listed as an authorized user, or cosigner. I have not received a response back currently from  Capital One.
Product: Consumer Loan

Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.
Product: Debt collection

On XX/XX/XXXX, Sunrise Credit Service, added a collection to credit report. The account reference relates to a XXXX account. 

XXXX has not provided evidence of the debt owed neither any of their collection agencies. I've previously disputed this information and no-one has been able to provide the documentation related to : 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning disputing inaccuracies.
Product: Consumer Loan

My husband purchased a car and never received a call from this company for about a year and when he did he was one day late with the payment they immediately threaten to take action and called constantly every hour on the hour when asked to not call on certain days or hours that he was at work. We have filed an insurance claim on our car due to {$800.00} in damage and the day that we left the dealership we had issues with the car they did n't want it back because it was their car. Now we 've had problems ever since. Credit Acceptance has been harassing us since we filed a claim for damage and we have to pay out of pocket for the damage to the car as well as the car payment so now they are threatening to repo it when I purchased the car it was {$7000.00} and I put nearly {$3000.00} down on the car this was XX/XX/XXXX it is now XX/XX/XXXX and I still owe over {$5300.00}. Our payments are at {$250.00} a month and my car is only worth about {$2500.00}. I do believe we were scammed out of money at one point because I remember paying a payment one time at the beginning of the month and about halfway into the month they called me saying I did n't make a payment and I paid the payment twice and they said they did not have it on record what can be done? This company has prevented me trading it in and refinancing a loan. In fact there are multiple recalls on this vehicle which is why I do not understand why the price was so high when I purchased it. The defects were still present when we purchased the car keep in mind it is XXXX Chevrolet HHR and we purchased it in XX/XX/XXXX those defects were already supposed to be fixed when we purchased the car. I really do not want this car and unfortunately neither the dealer nor credit acceptance would give me back my money for this car when I first purchased it and wanted to take it back the next week. I just want my money back and for the harassment and threats to stop.