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

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Outdated Accounts on Credit Report To Whom It May Concern, I am filing this complaint against [ Flagship credit acceptance ] account ( XXXX ) for violating federal and state debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and [ specific state laws, if applicable ]. 
I am writing to formally dispute outdated information that remains on my credit report in violation of federal law. Specifically, my credit report includes accounts that have been closed and show a zero balance for over five years. These accounts should no longer be reported as they are outdated and negatively impact my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from including negative credit information beyond the allowable reporting period. According to the FCRA : - Accounts that have been closed and paid in full with zero balance should not remain on my report beyond seven years if they contained negative information. 
- Positive, closed accounts can remain for up to ten years, but I request that these accounts be removed as they no longer serve any purpose in evaluating my current creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) assist in ensuring that the credit reporting agencies [ XXXX, XXXX, and/or XXXX ] immediately remove these outdated accounts from my credit report in compliance with the law. 

Enclosed, I have included copies of my credit report with the disputed accounts highlighted, as well as a copy of my identification for verification purposes. 

I kindly ask for written confirmation of the removal of these accounts within the 30-day timeframe prescribed by the FCRA. If this request is not met, I am prepared to escalate this matter as necessary to ensure compliance. 

Thank you for your prompt attention to this matter. Please provide me with updates regarding the status of my dispute via [ your email ] or [ your phone number ]. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General XXXX Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Checking or savings account

On XX/XX/XXXX, several unauthorized ( fraudulent ) transactions occured from my debit card : CHASE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} & {$1600.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX - {$900.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$10.00} On XX/XX/XXXX : the following transactions WERE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$58.00} I filed a complaint with Chase and was told that they found these to be valid transactions. I filed complaints with XXXX and they closed the complaints and told me Chase was responsible. I did not authorize any of these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got my home mortgage refinanced with a new lender, the closing date being XX/XX/2020. It's 73 days past, but I haven't received the escrow balance refund cheque from Amerihome Mortgage Company ( old leader ). I did multiple follow-ups with their customer service but always got a canned answer that the cheque will be mailed in 2 weeks. Amerihome has uploaded the scanned copy of the cheque onto my loan account on their website ; I guess to show on record that they are compliant but never have mailed the physical cheque to me ; maybe the cover-up reason from their end would be 'the cheque was mailed, but it got misplaced '! I want to bring to the CFPB 's notice the malpractices followed by these home mortgage companies and seek remediation on the above complaint.
Product: Credit card

I have a Menards Capital One Store Credit Card and I have two promotional plans at 0 %.

One promotional plan 0 % with a balance {$670.00} and has no expiration date and the other 0 % with a balance of {$480.00} that expires on XX/XX/year>. I contacted them several times, spoken with a supervisor and they said that they are unable to allocate payments. I contacted a Menards store at the suggestion of the Capital One agent as she advised that Menards makes the determination of how payments get applied. I contacted Menards and they said they can not allocate payments at the store.

Per there statement, page 2, " How do you Apply My Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR ( including 0 % APR ), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. If your Account has aSame as Cash Credit Plan balance, we will treat that balance as having a0 % APR for this purpose, until the last two Billing Cycles of the promotional period. During the last two full Billing Cycles of the promotional period, we will generally apply payments exceeding the minimum payment to the Same as Cash Credit Plan ( s ) that is expiring, in the order of expiration date. '' The disclosures on the credit card statement do not provides instructions to allocate payments to specific promotions.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this issue, I request a thorough review of the documents Ive submitted so that I can put this concern behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company provided the following information on my credit report and want it removed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Demand for Immediate Removal of Late Payment Entries Account No. XXXX Dear Sir/Madam, I am writing to demand the immediate removal of the late payment entries associated with my auto loan account at XXXX XXXX XXXX XXXX XXXX ), account number XXXX, from my credit report. While I acknowledge that I made some late payments, I believe it is illegal and unfair for you to continue reporting these negative entries, and I am formally requesting that you remove them within 24 hours of receipt of this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and fair. Reporting late payments, especially after a consumer has made efforts to bring their account into good standing, is neither fair nor reflective of my overall creditworthiness. The FCRA mandates that credit bureaus must remove or correct inaccurate, incomplete, or unverifiable information from credit reports. These late payment entries, given my repayment efforts and the context of the situation, should not be reported, as doing so constitutes continued damage to my credit profile.

Additionally, under 15 U.S.C. 1681c, certain outdated or irrelevant information, including negative payment history, may no longer be reportable after a certain time. In this case, continued reporting of these late payments is disproportionate and harmful to my financial recovery. The law supports a balanced and fair reporting system, and reporting my late payments with no context or regard for my improved standing is a violation of that principle.

I expect the removal of these late payment entries within 24 hours of receipt of this letter. Failure to comply with this request may result in legal action, including claims for damages and enforcement of my rights under the FCRA.

Please send me written confirmation once the late payment entries have been removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've submitted a dispute to Equifax in XX/XX/year>. The dispute was submitted via certified mail due to fraud. Equifax was supposed to process my dispute within 4 days and have failed to process and update my credit report with accurate information within the four days per FCRA law.
Product: Student loan

My loans are with Navient. They are a fixed amount for 25 years. I have been paying through autopay and have never missed a payment or been late for 8 years. I just received an email stating my loan was reviewed and the loan was " underdisclosed ''. They told me my payments would increase so that the loan would be paid off on time. We have a signed contract with fixed payment amounts and I do not believe they can legally increase my payments. Of course if I do not pay the increase I will be deliquent. Talking to them has been very vague and incredibly not helpful. If this is even true, it is not my problem that it was miscalculated. We have a contract. What can I do?
Product: Credit card or prepaid card

I checked my XXXX score last night ( XX/XX/22 ) using a service provided by a legitimate credit card account I have and discovered I had an unusually low XXXX score. I then pulled my credit report using a free online credit report service and discovered that XXXX Truist ( XXXXXXXX BB & T Bank Branch & Trust ) credit cards were fraudulently opened in my name on XX/XX/22. It appears that one of the account balances is up to {$14000.00} and the other account balance is up to {$11000.00}. The credit report indicates that no payments have been made on either account. The address connected to the two fraudulent accounts per the credit report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas. The phone number listed on the account is XXXX. That is not my address nor my phone number. 

I called Truist this morning at approximately XXXXXXXX XXXX  CT XX/XX/22 to report the fraud. the representative told me that Truist would investigate the fraudulent account and advised me to reach out to XXXX and file a report with this agency. I will file the report with XXXX and the other credit reporting agencies after I complete this form. 

To be absolutely clear I have no connection with these two Truist/BB & T credit card accounts. I did not open then, I did not authorize that they be opened in my mane and to my recollection I was never contacted by this financial institution to confirm the authenticity of the these credit applications.
Product: Vehicle loan or lease

I have no problem paying the assessed fees. My concern is when you are on the automated system and you are paying your loan, the message states the amount includes any fees that are owed. You submit the payment with the impression that the fees are paid. I found out today that the fees are still outstanding. The employee I spoke with indicated that " sometimes the system does not pay the fees and applies the amount to the payment. '' I have still received benefit, I understand that. But, you think the fees are paid and then they are not. At the end of the loan you could have several fees outstanding that you think are paid based on the fact that the automated system said they were. I think this is a deceptive practice and could cost a consumer at loan of money at the end of the loan if they were not diligent. Yes, it is the consumer 's responsibility to read their statement, but the practice should match what their system said is going to happen. Please have Chrysler Capital update their automated system to match their business practices. The employee I spoke with today said that she would have to submit a request to have the funds moved, so they will correct it, but it should not happen that way. As I stated, I feel this is a deceptive act under the UDAAP guidelines, as the consumer could end up paying additional money as they thought the fees were paid and if they just move the funds to cover the fees, it could change the payoff amount at the end of the term. I did explain to the employee that I felt this was deceptive and I would be filing a complaint with the CFPB.
Product: Payday loan, title loan, personal loan, or advance loan

I included this line of credit in a XXXX XXXX bankruptcy in the state of Virginia. I filed in XXXX of XXXX and received my discharge in XXXX of XXXX. This account was verified included and Tally would not update my credit report in a timely manner. I emailed Tally approximately 9 times before I received a timely response to update their information on my XXXX report. Tally finally updated my report to reflect the account as discharged through the bankruptcy and still to this day sends me constant payment due date reminders and past due amounts for this account via mobile push notifications. I can not close the mobile account with a balance due. This is against FCRA requirements as this is considered contacting me in attempts to collect a debt thats been effectively discharged through a XXXX XXXX bankruptcy.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I took out a payday loan for {$800.00}. I have taken out several loans in the past with this company and my employment and contact information has not changed including paydays ( XXXX and XXXX ) of each month. 

To date, I have made a total of 3 payments with 1 of the payments not being scheduled in order to help lower the finance fee. Here is the break down in payments. 
XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$100.00} ( unscheduled ) XX/XX/XXXX : {$190.00} ( taken prior to my pay day of the XXXX ) this payment has caused an overdraft with my bank account. 

Due to the last payment on the XXXX, I requested to have my bank account removed to avoid me accumulating additional overdaft fees. I initially contacted a representative and was informed that the XXXX is what was listed on my loan. He not once looked into my account history to verify pay dates or tried to resolve the situation. I then emailed XXXX to explain the situation and their response was that my bank account has been removed and to make future payments on or before the due date. 

I believe they have made a few attempts to reach me via phone but due to my work schedule I have been unavailable for their calls. I recently emailed the company to notify them of the difficulty in communicating via phone. 

Moving forward to today, XX/XX/XXXX, I logged online to attempt to make a payment on my account and I was shocked to see that my account balance has increased to {$890.00} with the total pay off balance being {$910.00}. 

I have made a total of a {$500.00} payment towards an {$800.00} loan that was taken out on XX/XX/2020. And, my current balance is {$910.00} without any late fees to accumulate. 


I am in need of assistance in having this matter resolved as I am a single parent on a very limited income and can not afford to be taken advantage of.
Product: Student loan

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of t
he Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I had someone open a XXXX card in my name. I immediately call the company and they closed the account and sent me a letter ( attached ). I disputed the information on Equifax, XXXX, and XXXX. Every company took the information off my report except Equifax. I sent them letter going on XXXX months and still are reviewing the information as verified. I need this false and inaccurate information off my report.