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

I submitted my dispute to Experian ( agency ) on XX/XX/XXXX, to remove a error from my report. Later after receiving an letter of admission of fault from XXXX ( company ) in dispute, I sent to the agency as additional support on XXXX of XXXX. After contacting the company yesterday they stated they never received any investigation inquiry from the agency! So I then contacted the agency on XX/XX/XXXX, to inquire to my investion status. The agency stated that they have the right to restart my investigation from XX/XX/XXXX, since I submitted a support evidence. 

2000 US Code Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES Sec. 1681i - Procedure in case of disputed accuracy.

According to 1681i : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information or, delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I hereby hold Experian in direct violation to federal!
Product: Debt collection

Received another call from the XXXX XXXX on XX/XX/XXXX telling me that their process server couldn't make contact with me so  another was being sent to the court house to be served to me there. No mention of who I supposedly owe, or am being sued by, etc ....
Product: Mortgage

I spoke to Wells Fargo, asked for a pay off quote, I asked for all paperwork including a remic. The only thing they sent me was a payoff amount. They have not responded back to me since. My mortgage and SS number are being messed with.
Product: Credit reporting or other personal consumer reports

XXXX : : Identity Theft and Fraud : This CFPB complaint has been led to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, then XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX & XXXX ... collections auto loan. XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX a Lease. An account on XX/XX/XXXX, XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX under the account XXXX off XXXX personal loan account.AND An opened XXXX, DEBTOR 'S A BUYER collection account that appears related to the aforementioned personal loan account opened at XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolutio I
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency AMEX
Product: Credit reporting or other personal consumer reports

A couple of months ago i noticed a few unauthorized inquiries on my credit report. I immediately called all three credit bureaus and notified them of the errors, however they have yet to delete these discrepancies off my report which is hindering me. I am writing to formally request your assistance in addressing fraudulent inquiries that continue to appear on my credit reports. Despite my diligent efforts to resolve this matter, these inquiries have not been removed by the credit bureaus, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted all major credit reporting agencies ( XXXX, Experian, and XXXX ) and provided them with all required and requested documentation, including identity theft reports and dispute letters. However, the credit bureaus have failed to remove these fraudulent inquiries, which is a direct violation of FCRA laws, including but not limited to : - **15 U.S.C. 1681b ( c ) ** : Permissible purposes of consumer reports Credit inquiries must have a legitimate reason, and these fraudulent inquiries do not.

- **15 U.S.C. 1681i** : Procedure in case of disputed accuracy The credit bureaus are required to investigate and correct or remove inaccurate information, including fraudulent inquiries, within 30 days.

- **15 U.S.C. 1681s-2 ( a ) ** : Responsibilities of furnishers of information Those reporting to the credit bureaus must ensure the accuracy and integrity of the information provided, including inquiries.

The continued presence of these unauthorized inquiries on my credit reports has caused undue harm to my credit score and overall financial well-being. I respectfully request that the CFPB intervene to ensure that these inquiries are promptly and permanently removed.

Please let me know if you require any further information from me to expedite this process. I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, the following incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX my address is XXXX XXXX XXXX # XXXX XXXX la XXXX my enail is XXXX Paypal has continued to hold my {$100.00} by placing limitations on my account repeatedly for the same reason which makes no sense so i can not pay my water bill or my insurance and ive resolved the problem twice already. I wasted hours and days trying to resolve the same issue and was told repeatedly it was resolved only to go to my account and the limitations is once again back on my account. They should not be holding my money so i can not access it at all. I cant transfer it make payments only receive them which why would i so they can hold more money from me? I would like my money to be made available to me they want me to wait another XXXX hours at the most when i should not have to. I provided personal statements they have no business looking at but i did it so i can use my money. No other financial institutions use these practices.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX  XXXX XXXX purchased some household items from my wife and I. On the drive down from XXXX XXXX he lost his checks. He asked if we would accept Paypal. We agree and he added {$70.00} to the agreed upon {$2000.00} for the household goods. When my wife went to withdraw the funds XX/XX/XXXX she received an email from Paypal asking her if the goods had been shipped. She told Paypal the goods were picked up in person. Paypal then sent XXXX XXXX XXXX an email verifying this information. XXXX XXXX XXXX verified the information to be accurate. Paypal then informed my wife their would be a 4 day hold put on the funds. XX/XX/XXXX my wife tried to withdraw the by having a check mailed to her, to only receive a " Link a Bank Account " response. She then tried to link XXXX XXXX XXXX XXXX  and XXXX XXXX  accounts to Paypal. Neither institution responded to Paypal before the " ping '' timed out. She tried multiple times and failed at each one. I contacted Paypal XX/XX/XXXX using their " chat '' feature to fix the problem. I was given 3 different ways to fix the problem. None of them worked. I then sent an email to XXXX XXXX asking for his help. XXXX from the Executive Office tried to call me twice. I've sent him three email this week. I still can't get my money.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against GM Financial regarding a deceptive " Junk Fee '' that was disguised as an " Acquisition Fee. '' I was charged this fee when my truck ( XXXX XXXX ) was deemed a total loss on XX/XX/year>. 

The GM Financial Total Loss department has refused to provide me with written documentation detailing the charges against my account that led to the refunded amount. They claimed that, as a result of my total loss, I was charged an acquisition fee, which I had agreed to per the lease documents. While I did agree to an acquisition fee as part of the lease agreement, I should never have been charged this fee on a totaled vehicle. 

This practice appears to be a widespread issue, as consumers experience total losses every day. GM Financial 's deceptive practices are generating millions of dollars through these junk fees, which are misrepresented as acquisition fees when no acquisition actually takes place. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to prevent such unfair and deceptive practices in the future. 

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

I was on the XXXX  XXXX program but was terminated from the program in XXXX or early XXXX. I left the home and my brother was allowed to stay there and pay full market rent. I never signed a lease after being terminated or received any written or verbal communication about a new lease which should have been signed after the lease from XXXX  XXXX was terminated. But in XXXX they put {$5200.00} on my credit that is not my debt. XXXX and XXXX removed it from my report but XXXX  refuses to do so. It keeps coming back as client disagrees after asking for the communication or lease i signed
Product: Checking or savings account

I've been a member of both XXXX XXXX XXXX XXXX and USAA since or before XXXX  and have been charged numerous overdraft/NSF fees due to XXXX XXXX deposits not positing immediately. I would XXXX XXXX or XXXX  money from another one of my accounts the companies would post the deposit by the end of the business day allowing other transactions to post before the deposit on the same business day causing fees. I've asked about the weird unethical business practice and was told there were no posting errors. I've also watched debit card transactions go through whenever I did not have the funds in my account without authorization. I believe these companies have taken advantage of me and several other consumers and should be investigated and fees refunded!
Product: Credit reporting or other personal consumer reports

This is my first 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 alleged 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received phone calls in regards to an old ACE Cash payday loan from 2013. XXXX XXXX, XXXX XXXX and XXXX XXXX all claiming to be attorneys and XXXX a process server. He threatened to serve me with officers regarding the legal suit being filled and fraudulent banking laws in Texas. Threatened to repossess my car and if it's financed advising that I am unable to drive until the debt is paid in the original amount of {$640.00} or if it goes to court, would be over XXXX. They catch you when you are not thinking and make you afraid and I like a fool gave my card information before filling checking them out. There is no listing for them and they sent document to be signed authorizing them to go into my account and draft funds. I have closed the account and never signed the document. I received calls from XXXX, XXXX & XXXX They gave a case number of XXXX
Product: Mortgage

I am writing to bring to your immediate attention the recurring issues I have experienced regarding the application of my mortgage payments and the subsequent reporting inaccuracies to the credit bureaus. These problems have resulted in incorrect late payment statuses being reported, which is adversely affecting my credit profile. 

To summarize the issues : Partial Payments : On several occasions, I made partial payments followed by subsequent payments to cover the full amount. However, your system holds partial payments in a small account until the full amount is received, then the payment is applied. This process has led to the application dates being recorded incorrectly and inconsistently. 

Misapplied Payments : There have been instances where payments have been misapplied, further complicating the accurate tracking of my payment history. 

Inconsistent Responses : I have reached out to your customer service representatives multiple times. Unfortunately, I have received different answers each time, and the representatives were often unable to provide a clear solution to the problem. 

Credit Bureau Reporting : I have also contacted all three major credit bureaus to correct these inaccuracies. However, the late payment statuses have been inconsistently updated, sometimes changing from XXXX to XXXX days late, from XXXX to XXXX days late, and even incorrectly marking on-time payments as XXXX days late. 

Based on 15USC 1666 A & B These entries should me marked as OK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. Equifax always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with Equifax. I contacted XXXX and they stated they contacted Equifax and followed up with a letter. I sent that letter from XXXX to Equifax. I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with Equifax. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my Equifax Credit report again. Although I was able to use this website to do this before, when I try to pull it for Equifax, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently Equifax is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that Equifax is not incorrectly adding things to my credit report. Next I went to the Equifax site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through XXXX XXXX to retrieve my Equifax Report. I can conclude that Equifax took my letters as frivolous and did not take my complaint serious.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct this account immediately : XXXX XXXX Balance : {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously sent you a letter dated XX/XX/year> requesting validation of the alleged debts pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g. Your response was insufficient and noncompliant with the law, as you failed to provide the following : 1. Proof of title or chain of assignment establishing your right to collect the alleged debts.

2. The " Aggravated Value of Purchase '' or the amount you paid for these debts.

3. Any signed agreement between myself and the original creditors indicating my contractual obligation.

4. The complete purchase agreement, not just the bill of sale.

Instead, you provided partial and incomplete documentation ( i.e., credit card statements ) that does not meet the requirements of validation under federal law.

Under the FDCPA, you are required to provide sufficient evidence to validate the alleged debts. Specifically : Violation of the FDCPA ( 15 U.S.C. 1692g and 1692e ) Failing to provide the chain of assignment or proof of title demonstrates that you can not establish legal ownership of these debts, which calls into question your right to collect.

Your failure to provide the " Aggravated Value of Purchase '' misrepresents your financial interest in the debts and violates FDCPA 1692e ( 10 ), which prohibits the use of false or misleading representations in the collection of debts.

Reporting unverifiable debts to the credit bureaus without proper validation is also a violation of 1692e ( 8 ), as it constitutes the use of false or misleading credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THE LAST MONTH, TRANSUNION HAS GONE AS FAR AS DROPPING MY CREDIT SCORE BY XXXX POINTS AT ONE HIT AND JUST THE OTHER DAY, ANOTHER XXXX POINTS. A TOTAL OF XXXX POINTS IVE DROPPED BECAUSE TRANSUNION ARE XXXX. XXXX AND XXXX HAVENT EVEN DONE ANYTHING REMOTELY STUPID LIKE XXXX HAS. I WANT MY XXXX POINTS BACK CAUSE I WORKED HARD TO FIX MY CREDIT. THIS IS MY XXXX COMPLAINT IN AS MANY WEEKS
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax doesnt reflect correct balance and status for my XXXX XXXX account