23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX RE : Last XXXX SS # XXXX To Whom It May Concern, On [ XXXX XXXX ] I disputed an account reported by [ Wells Fargo Card SVC ACCOUNT # XXXX ] in the file you main under my Social Security number. 
I was informed on [ XXXX XXXX ] that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( i, you are required to notife me is the reinsertion in writing within 5 business days.

In accordance with the requirements of the ( 11 ), you are required to notify me of the reus business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized y the consumer for that purpose, by any other means available to the gency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blata t disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau
Product: Debt collection

This Items been removed months ago Transunion re added the same 3 XXXX XXXX back to my TransUnion credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX accoutname, XXXX XXXX XXXX, account numberXXXX  accountname, XXXX  XXXX  XXXX  account nuberberXXXX accountname,
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT 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 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 AM A VICTIM OF IDENTITY THEFT
Product: Vehicle loan or lease

I've tried to give this car back not only they close account on loan but the loan was outrageous XXXX for a then XXXX car that ben in XXXX accidents they charged me almost the price of car in interest made it to where I couldn't trade in this car has not ben driven in a year they keep adding more on to a close account
Product: Checking or savings account

Bank of america is refusing to reverse/refund a payment amount from my checking account that was from a merchant. 
They do not want to consider facts and circumstances regarding my claim and shut me down claiming that it is outside the timeframe which is not my fault. I travel for work and visit state to state and this merchant deliberately waited me out until I lost trust in their work. 
I have a receipt, address, phone number, call records, texts, video recordings that support my claim but Bank of America does not want to hear or see it at all. 

Here is video of my vehicle malfunctioning after paying the full amount {$1800.00} that Bank of America did not want to review or consider. 

XXXX dropped off vehicle and made electric down payment of {$1000.00} to merchant for transmission rebuild. 

XXXX merchant requested remaining balance of {$800.00} and claimed the transmission was removed from vehicle and completely repaired. Receipt provided and specified a 12 month warranty. 


XXXX transmission malfunctioning, could not perform 40mph, diffculty acceleration, high revving with low speed, high rpm but low speed. Dropped off vehicle ( XXXX ) XXXX XXXX    XXXX XXXX - merchant charged me {$270.00} under warranty for speed sensor and claimed it was fixed and ready. 


XXXX Transmission malfunctioning again. Dropped off vehicle to his shop after this incident on the same day. 
( XXXX ) https : XXXX XXXX to XXXX - vehicle was in merchants care and possession and failed to fix transmission. XXXX multiple attempts were made to contact merchant but he ignored me. Picked up my vehicle the next day. Transmission problems still exist and 3rd opinion provided me written documentation to prove that XXXX. Bank of America has a copy of this as well. 


XXXX merchant issued an electronic apology and excuse XXXX admission of guilt ). Bank of America has a copy of this but did not take it into consideration.
Product: Debt collection

The company called from XXXX, stating that I owed around 1200 in a loan from Instaloan that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {$500.00} deposited into a XXXX account that I never had. I called Instaloan and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from Instalaon and now people are scamming the public.
Product: Mortgage

Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.
Product: Mortgage

I closed on my PennyMac refinance loan XXXX XXXX, XXXX. Loan # XXXX However on or about XX/XX/XXXX, I began to get numerous phone calls from different mortgage companies asking me about my interest in refinancing my home. Of course, I was very surprise that they got my personal information and knew my intentions with PennyMac. Also the loan with PennyMac was about to close since all the paper work was completed. 
In my conversation with a few of these Mortgage Companies ' representatives, I was told that the credit companies sent out my information. I did call my PennyMac Loan officer who said the same. 
If the purpose of sending out my information to other Mortgage Companies was to generate competition and a fair playing field. This did not happen. My loan was near completion and to work with another company would be like starting all over, which would take additional weeks. 
In my conversation with a representative from XXXX XXXX Mortgage and verified by the papers I got from XXXX XXXX stated that a high credit score should generate lower interest rate. Also I was informed that PennyMac Retail renders higher cost and interest vs. Broker Division. My XXXX XXXX is in the XXXX 's and the interest on my loan is 6.5 %. 
It seems to me that I paid higher interest given my excellent credit rating. 
My reason for bringing this to your attention is to seek a redress of my interest rate.
Product: Credit reporting

Equifax in the previous investigation misinformed or just outight lied in their response, they attempted to play the response as a play on terms, i.e. the credit item of XXXX XXXX finance, and the term XXXX, which is one of their clients, and they knowingly know its the same. In the above stated response, Equifax stated it does n't appear on my report, well it does in the shorter term, the term that is easy to determine is the same company. They wrote it, that it does n't exist, they responded to the CFPB it does n't exist, well it does. Equifax has been playing this game for decades, they only apply verification to beneift those who pay them, in no manner is the consumers word less creditable then the persons who pay them, yet they are allowed to get away with this kind of conspiracy. They stated it does n't exist in any form, I want it removed to include all other items that do n't correspond to my issued name and social security number, period.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violatio

n of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. "
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Credit card or prepaid card

I received a letter in the mail dated XXXX and opened it when returning from a trip on XXXX. The letterhead had Kohl 's XXXX  XXXX on it and was from their fraud Dept noting that there was " activity uncharacteristic of my normal shopping patterns '' and to call their Fraud Dept. 

I called on XXXX the Kohl 's Fraud Department XXXX and reported that I had never opened a credit card at Kohl 's and only shopped there one time using a personal debit card. This is the first I am learning there was a card opened with my information without my consent. They reported the card was opened in XX/XX/2022 and they would close the card and investigate fraudulent charges. They said there is a XXXX balance on the card. They would not tell me what had been charged or other information pertaining to what happened. Kohl 's had my date of birth and full social security number to have approved this card ending in # XXXX. Kohl 's said they would send a letter in about 6 weeks once the investigation was completed. 

I will need further help to put a lock on my credit so that I am not further scammed.
Product: Vehicle loan or lease

I took auto loan from XXXX. I am paying monthly and double the XXXX. They asked to provide proof of insurance I provided. Then they asked to provide proof that they are lien holders in my insurance, I failed to provide due to being busy in personal works. They imposed a charge of XXXX $ on my loan account, I contacted them they said if I provide lien holder proof they will remove the charge. I made them lien holders and submitted proof to the asked email. 

They are not removing charges I called them multiple times they are saying they did not receive it. I have all the proofs that I sent them this information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX Account Number : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute.

A written explanation of the methods and procedures used during the reinvestigation, as required by law.

The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Debt collection

On XX/XX/2020 I paid a debt to XXXX XXXX XXXX  XXXX in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from Credit Control LLC for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting multiple disputes with Experian and reviewing the results of the investigation, Experian continues to fail to acknowledge and remove this inaccurate and incomplete XXXX account from my consumer report. I've made multiple efforts to resolve this matter directly with Experian. I have sent formal letters with documentation highlighting the discrepancies between the consumer reports of the 3 major credit bureaus. However, Experian did not complete a thorough investigation and proceeds to openly violate federal statutes and my personal rights casting an unwarranted shadow on my character, creditworthiness, and overall financial standing. I ask that the Consumer Financial Protection Bureau step in once again to bring attention to this pressing matter to remove this inaccurate and incomplete account from my consumer report.
Product: Credit card or prepaid card

Chase credit card has not given me protection on services rendered on a particular dispute I opened with them. XXXX XXXX failed to deliver my bags for my wedding in XXXX and ruined my whole wedding and vacation. We had to cancel the wedding due to this. I opened a dispute and chase is saying that XXXX XXXX is not responsible for my bags and that they only sold me a ticket to fly. I sent them proof that the ticket was purchased with one luggage and they are refusing to side with me on the dispute. Please let me know what I can do about this matter as it is very serious to me. They are saying that they are only responsible for getting me there, and not my bags ... This was not disclosed to me and the whole purpose of this particular trip was for a wedding which didn't happen because they didn't deliver the bags on time for the wedding which had the tailored tux and dress in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON EXPERIAN AND XXXX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am a consumer as defined under the Fair Credit Reporting Act ( " FCRA '' ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). 
The companies violated my rights. 
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 XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I discovered that XXXX, XXXX, EQUIFAX, and XXXX has reported an account in collections on my consumer credit report. This account is inaccurately reflected and constitutes a violation of my rights under federal law. 

Violations of Federal Law : XXXX is in violation of 15 U.S. Code 1681c ( a ) ( 2 ) ( A ), which states that the inclusion of adverse items of information more than seven years old in a consumer report is prohibited. The collection in question has exceeded this statutory limit.

Additionally, under 15 U.S. Code 1666 ( b ) ( a ), which governs billing errors, it is required that creditors and their reporting agents, such as credit bureaus, properly handle disputes regarding erroneous charges and ensure accurate reflection of account statuses. XXXX, EQUIFAX, and XXXX, failed to comply with this requirement. 
Furthermore, 15 U.S. Code 1692c ( c ) prohibits continued reporting or communication regarding a disputed debt without proper verification. The collection account was reported without proper validation of the debt. 

I hereby demand that XXXX, EQUIFAX, and XXXX immediately remove the illegal collection accounts from my consumer credit report in full compliance with the aforementioned legal statutes. 
I further request a written statement confirming the removal of this erroneous collection from my credit report and an updated credit report reflecting the corrected information. 
Failure to remove this account will result in further legal action to protect my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance due : {$3300.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. 

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX, XXXX, and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX