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

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

To whom may concern Account name XXXX XXXXXXXX XXXX Account number # XXXX Experian Report Number XXXX I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act. ( FRCA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a customers dispute.

Provide the description of the procedure of the investigation used to verify this account # XXXX if you cant delete this account immediately.
Product: Debt collection

I will attach pictures of the 1st complaint. Overall I was threatened by a customer service agent for ProCollect. She threatened that Procollect would continue to ruin my credit and Credit Report. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), Sections 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code. I am not happy with the results of the 1st complaint.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

XX/XX/year>2024 I paid a web design company name is XXXX XXXX XXXX ( they also have many different name, such as XXXX XXXX XXXX ) to create a business website for my XXXX XXXX  business. 
I made XXXX transaction on the same day. XXXX is {$240.00} and another transaction is {$590.00} After almost a month cooperation, I start realizing that this company isnt registered in ca and their business address online is fake also. 
Most importantly, they kept asking me more money for hosting and server.. and they had never tell me what do I need to provide on my side such as content.. whenever I asked them for anything, there is no response until I called them! 
I decided to stop the service with them and they even dare to sent me a fake court hearing notice that they made to me for threatening me! 
That is why I dispute the payment that I made with my chase checking account. 
Chase give the funds back to me first and said they also need to do the investigation! 
XXXX2024 I found out that chase had already reversal the funds back to this scammer company! And told me they cant do anything since the scammer company said that I received the services! 
Where is my business website if I had already receive the service? 
Chase not protecting their customer at all and didnt do the investigation work good enough!
Product: Prepaid card

I have an American Express gift card that is supposed to be able to be used online with a value of over {$500.00}, but the bank ( american express ) declines every transaction. I can not use this card and it's frustrating. It has a balance of {$630.00} and every single transaction is getting declined from their side.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 


INQUIRIES : 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 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
Product: Debt collection

I

want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Vehicle loan or lease

I have an auto loan with TD Auto Finance with account number XXXX. I have this loan from purchasing a car with XXXX ( XXXX XXXX XXXX  ) via XXXXXXXX XXXX XXXX. TD Auto Finance failed to send me an initial loan letter. In XX/XX/2023, when I reached out to their customer care, they acknowledged a widespread problem with their letter printing service and waived the {$50.00} fine on my account. They asked me to pay just the amount due of XXXX which I readily paid the outstanding amount, expecting them to revoke the late fee assessment. In addition, they said they have some software issues that is preventing me from enabling auto pay that I wanted to setup during the call. They asked me to check back online to see if the software update enables the auto pay in future. 

In XX/XX/2023, they had again charged a {$50.00} fee because the intial late fee assesment was never revoked and I had two late fee assesments in addition to the monthly {$990.00}. This time I made sure I paid the entire amount including the late fees to avoid this issue and checked on the auto pay option. I was surprised to learn from the customer care associate that if there's an outstanding payment, auto pay is disabled. I'll need to monitor and check back once the amount is posted. By this time, I have multiple late fees posted due to the lack of knowledge from the bank 's associate and extremely late reversal of the first late fine amount ( as seen in the attached statement history )
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2018 an auto debit came out of my account. On the same day before end of business I submitted a deposit to keep from overdrawing. ( I am supposed to have overdraft protection ). I noticed that on the XX/XX/XXXXI still received a overdraft charge ... ... In the past the bank charged me fees that I had resolved and I had to submit screen shots of how they post charges ... ... I requested for the fee to be waived so I can close the account. They would not allow it. Though I satisfied the overdraft before the transaction posted. They told me that if I satisfied the charge before by today end of business that I would be able to close the account. But when I tried I looked in on my account and they had charged me another fee ... my account was overdrawn by {$2.00} then for XXXX then XXXX. I requested a fee reversal for the new fee and they refused .... all of the issues that I have associated with this account have all come mis information from the staff and supervisors at this bank. But they keep trying to roll me in overdraft fees so that I can keep paying them. Im quite sick of it. I just want the account zerod out and closed.
Product: Debt collection

A XXXX bill was in my name that wasnt mine I reached out to the company and asked them for a signed contract or any information with my Social Security number, and they were unable to provide me this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had service with XXXX XXXX internet but the service was no longer working and I made call after call and they sent out a tech several times but they either couldnt get it working or they would get it working and right after they left it went down again. This went on for a total of 3 months and they kept applying credits and eventually told me it was a problem at the pole and they were waiting on permits. They never got it fixed ao I was forced to cancel service and sign up with another company. I got a bill and contacted them and they told return the equipment and the credit would wipe out the remaining balance owed. I did at a XXXX location. They reported this to XXXX XXXX and I disputed theough credit bureau and nothing happened. I have no documentation because it was all by phone but XXXX has a booked of transcripts of the calls because every time I called the person could read everything already done from previous calls. It is not much but it is unfair I should have to pay for service they disnt provide.
Product: Debt collection

1099-C requested on XX/XX/year> regarding " Sold/Charged Off account '' in the amount of {$530.00}. Company stated that 1099-C was unavailable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Hot XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute of Collection Account Violation Dear Consumer Financial Protection Bureau, I am writing to formally dispute a collection account reported by XXXX XXXX that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. This account has been inaccurately reported in relation to my credit file, and I am seeking your assistance in addressing this matter. 

The account in question is associated with my name, [ Your Full Name ], and I have not received adequate notice regarding this debt, nor have I been provided with sufficient validation of the claimed amount. I request that XXXX XXXX provide documentation that substantiates their claim, including any agreements or contracts that establish my responsibility for this debt. 

Under the FCRA, it is my right to dispute any information that I believe to be inaccurate. I have reached out to XXXX XXXX directly, but I am concerned that they may not comply with the required investigation or validation procedures. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights under the FCRA are upheld. If XXXX XXXX is unable to validate the debt or provide the necessary documentation, I ask that you assist in having the account removed from my credit report. 

Thank you for your attention to this matter. I look forward to your response. 

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

Subject : XXXX XXXX is Reporting a Debt It No Longer Owns FCRA & Securities Violations On XX/XX/year>, I discovered that XXXX XXXX XXXX is continuing to report a tradeline for a vehicle loan on my credit report, despite the fact that the loan has been securitized and transferred, meaning XXXX no longer legally owns the debt. 

Key Facts & Timeline : Loan Securitization & Transfer : My vehicle loan was securitized into an asset-backed security ( ABS ) and transferred to an investment trust. 
Exhibit B XXXX  SEC Filings & Trust Agreement confirms that XXXX sold off the financial rights to this debt, meaning they no longer have ownership or collection rights. 
False & Misleading Credit Reporting : Despite no longer owning the loan, XXXX continues to report this debt to credit bureaus as if they are still the creditor. 
This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX : I previously filed a CFPB complaint ( Case XXXX and XXXX ), but XXXX responded with misleading and factually XXXX claims. 
They falsely stated that they are required to continue reporting under FCRA, when in reality, FCRA only requires accurate reporting, and XXXX reporting is knowingly false since they no longer own the debt. 
They refused to provide documentation proving they still own the loan, while Exhibit B and D confirm that ownership has been transferred. 
XXXX  Threats & Attempts to Suppress My Dispute : XXXX threatened legal action if I continued to dispute the account, which is an intimidation tactic meant to obstruct my consumer rights under FCRA. 
Their refusal to correct the reporting is a willful violation of federal consumer protection laws. 
Requested Action from CFPB : 1.Immediately investigate XXXX XXXX for XXXX credit reporting & deceptive financial practices. 
XXXX XXXX to remove their tradeline from my credit report since they no longer own the debt. 
XXXX XXXX to XXXX a full financial reconciliation of all securitization transactions related to my account. 
XXXX XXXX  fraudulent response to the SEC, FTC, and OCC for multi-agency enforcement.

I have attached Exhibits B, C, D, and E as supporting evidence that XXXX no longer owns the debt and is knowingly misrepresenting its reporting obligations. 

Sincerely, XXXX XXXX Attachments : Exhibit B SEC Filings & Trust Agreement ( Proving Transfer of Ownership ) Exhibit C Fraudulent Credit Reporting & Unjust Enrichment Exhibit D Securitization Fraud & Financial Misrepresentation Exhibit XXXX Regulatory Violations by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX  XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE
Product: Credit reporting or other personal consumer reports

this reporting agency Experion and XXXX and XXXX was reporting a auto loan for {$10000.00} & a credit card for {$12000.00} from XXXX XXXX XXXX XXXX and a collection account from XXXX XXXX XXXX for {$130000.00}. 
These account was being reported under my name by error either from the credit reporting agencies or the Bank I do not know but about 18 months ago when I first noticed it I have been back and forth disputing it with all 3 reporting agencies and the creditors and have been providing them with my ID 's showing who I am to help them remove these account from my file. 
since then XXXX did remove all 3 as not being my account but XXXX and XXXX are not doing anything to correct their reporting and although the XXXX XXXX XXXX XXXX and the XXXX XXXX have sent letters to the agencies to help correct their error but instead of removing these items they are now reporting as one showing " paid and closed " and the other as being accurate and are refusing to correct their wrong and inaccurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, XXXX has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from XXXX stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX using Affirm to finance. The loan was fully paid over one year ago. Since the loan was paid off, I returned the XXXX XXXX under a recall from XXXX. XXXX issued a full refund of the original purchase price, but since the product was purchased through Affirm financing the refund was sent to Affirm. Affirm subsequently refunded about 20 % of the total to our checking account within a few days. I called Affirm to inquire about the remaining balance to be refunded and they informed me it would be refunded via a check in the mail within 30-days per their policy on their website. 30-days has now passed and when I call to inquire I am given no information and told to it is processing, to wait a few more days, or that they have escalated. Their outsourced call center employees either do not have the power to research what is happening or simply do not care. I have reached out to them via social media and have also gotten no information. I have made reasonable requests to them to provide me a date when the check will be mailed, to no avail. This is very bad business practice and they are holding a not insignificant amount of my money with no information. I also looked for a complaint department on their website and the link to file a complaint goes to an article with no way to file a complaint.
Product: Checking or savings account

I was scammed via XXXX through Bank of America and tried contacting them over the course of the following 3 hours on XX/XX/2018. They were unable to reverse the transfer and provide any information regarding the receiver or their bank. Subsequent claims have been denied and I have tried several times to resolve this matter with no help from Bank of America.  BoA needs to better protect their clients and hold the parent company of XXXX accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has sent 8-10 letters trying to get me to confirm I am who I say I am Company is not reporting accurately my score and has 30 closed disputes that have provided no actual use I want them fined and I want the max amount for the data breach settlement. 


Do something about your XXXX credit reporting too
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by a fake investment company which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that a debt that I do not owe is listed by a vendor who is not a subscriber to Equifax and the information being reported is an error. The inaccurate and unfair reporting is being done under the account # XXXX. XXXX and XXXX  have both removed this inaccuracy by Equifax continues to report erroneous information on my credit report by a non-subscriber who has not provided substantive data to back this misreporting. Immediately remove this item or provide a copy of the information that is being furnished to create this unfair and harmful error.
Product: Debt collection

I received a letter for debt collection in the amount of {$1100.00} for XXXX account. I dont have XXXX account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$810.00} Account Name XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$740.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX