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

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Lexus issue ... my lease final payments were XX/XX/year> .. i sent the buy out checks out to their operations overnight mail on XX/XX/year> and still have not received my title to transfer in my name in PA .... In the mean time i have been getting delinquency notices by mail and text saying my account is past due... they have my buy out money they acknowledge that but said the cant turn off their collect system until they apply the buy out or pay off. I have called XXXX to see what my status is and they claim they are under staffed and so backed up they have not processed my buyout... This is very frustrating since all my payments were made, i called for the buyout figure before i sent my money and its still not processed..If this is happening to me how many more lease customers is this happening to??? there has to be some consumer protection laws violated here... secondly they better not report me delinquent on my credit report... i know thats a fair credit report violation.. I need somebody to contact Lexus and find out my situation and also find out how many lease customers are going through the same issues i am ..When i called they said that alot of the lease customers are waiting ... this is something that needs to followed up because its not just me, its alot of lease customers.. as of this date XX/XX/year> i have no resolution
Product: Debt collection

A XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never served the warrant in debt. This was a violation of my rights to show up and dispute this. Under the law I am supposed to be served. I was XXXX  from XX/XX/XXXX until XX/XX/year>. The hearing took place on XX/XX/year>. The warrant in debt was sent to my home address on XX/XX/year>. When XXXX any legal documents are supposed to be sent to the XXXX  which in this case is XXXX XXXX XXXX XXXX  in XXXX XXXX, Virginia. Therefore this judgement is void and was wrongfully granted according to Virginia law. I had XXXX other collection accounts that I have resolved but this one has violated my rights. You have a right to be notified prior to any hearing and I was stripped of those rights afforded to me by the XXXX of Virginia
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge OfXXXX XXXX XXXX XXXX - {$800.00} ( XXXX ) XXXX - XXXX XXXX {$0.00} ( XXXX ) XXXX XXXX XXXX - {$1000.00} ( XXXX ) XXXX XXXX XXXX - {$0.00} ( XXXX ) XXXX - XXXX - {$0.00} ( XXXX XXXX XXXX XXXX - XXXX - {$750.00} ( XXXX XXXX XXXX XXXX - XXXX - {$760.00} ( XXXX ) XXXX XXXX XXXX - {$1800.00} ( XXXX ) XXXX - XXXX - {$1600.00} ( XXXX ) XXXX XXXXXXXX - XXXX - {$750.00} ( XXXX ) XXXX XXXXXXXX - XXXX - {$1200.00} ( XXXX XXXX XXXX XXXXXXXX - XXXX - {$630.00} ( XXXX ) XXXX  - XXXX - {$0.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX ) XXXX - XXXX - {$0.00} ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - {$250.00} ( tu ) XXXX XXXX - XXXX - {$2000.00} ( eq ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Experian for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to formally file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple requests, Experian has failed to remove several unauthorized and unverifiable hard inquiries from my credit report. 

Here is a summary of my efforts to resolve this matter : First Dispute Sent : XX/XX/year>, to Experian requesting removal of unauthorized hard inquiries ( see attached copy of the letter ) ( XXXX ). 

Second Dispute Sent : XX/XX/year>, as a follow-up to the initial dispute, again requesting removal of the same unverified inquiries ( see attached copy of the letter ) ( XXXX ). 

Third Dispute Sent : XX/XX/year>, reiterating the request and emphasizing the continued violations of federal law ( see attached copy of the letter ) ( XXXX ). 
Despite these letters, Experian has continued to report the unauthorized and unverifiable inquiries on my credit report. Under the FCRA, Experian is required to remove any information that can not be verified. Specifically, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any disputed information that can not be verified must be promptly deleted from the consumers file. 

The following items are among the inquiries that have remained on my credit report, despite being unauthorized and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... ( and several others ) In addition to the removal of these inquiries, I requested that Experian provide documentation used to verify these inquiries, including the name, business, address, and telephone number of the person or entity contacted during their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian has failed to provide this information within the 15-day timeframe stipulated by law.

I am requesting that the CFPB investigate this matter further and take the necessary actions to ensure Experian complies with federal regulations. I also ask for the immediate removal of the disputed items from my credit report and for compensation for the harm caused by Experians negligence in handling my disputes. 

Thank you for your attention to this matter. Please feel free to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Student loan

XXXX/Navient is unable to service my loan and apply my payments correctly. 

It has been going on for XXXX years, but since the last XXXX months it has become predatory. XXXX months ago I called into to change from a XXXX repayment program to a program where I would pay the same amount for the life of the loan. They said my new payment for the duration of the loan would be a little over {$700.00}. XXXX months later, they called me back and said they " forgot '' some of my loans and my new payment would be {$890.00} per month. I would not have changed to the fix payment program had I know it was going to increase so much. After they guaranteed me over the phone that the $ XXXX amount was what I would pay for the life of the loan, I then decided to re-assess my budget and purchase a home with my wife. Then, shortly after purchasing a home, they called and said they " forgot '' about {$190.00} in charges. 

Since then, I have to call in every month to make my payment. Every month I am told I owe a different amount, ranging from {$100.00} to over {$1200.00}. Every month I am told that my previous month 's payment was applied incorrectly by the customer service associated I spoke to and that the current month 's payment would be applied correctly. My payment has not been applied correctly in over XXXX months and XXXX XXXX/Navient refuse to research into the issue OR call me back regarding the issue.
Product: Student loan

In XXXX London and londan XXXX me. We settled on a payment plan which I paid on time for several years. XXXX per week on XXXX dollars. I asked for a breakdown of payments and I was ignored. Then I went through a hard ship, after sending a writer letter asking for some extra time London and London never replied. At that time I still had a lien on my home as another way for London to get there money. Also during this time XXXX XXXX XXXX XXXX XXXX which was the original loaner is still calling demanding money. How is this possible. Finally in XXXX London and London garnished my wages and jacked up the loan amount too XXXX. XXXX XXXX XXXX XXXX XXXX is still calling and treating just like London. London verbal abused me on every call. As of XX/XX/year> this is still happening and I dont know what to do..? Still no print out nor communication. Please help me sue and get them off my back. Thank you I
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 federally protected consumer rights and confenditiality under 15 USC 1681. 
Account # XXXX, and Account # XXXX has violated my rights. 

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

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

15 U.S.C 1681C. ( a ) ( 5 ) Section States no consumer 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 inforamation is inaccurate.
Product: Student loan

I submitted a request to speak with someone at Mohela via email after failing to speak to someone over the phone as to why they had started charging me for my student loans months before my grace period ended. The email reads as follows ( personal info redacted ) : Hello. 
My name is [ REDACTED ] ( ACCT # : [ REDACTED ] ) and I am reaching out to dispute my graduation date. I have spoken to a financial aid representative at my institution, [ REDACTED ], and they have verified for me that I graduated on XX/XX/XXXX per the attached document ( highlighted ). Therefore my grace period should be ending in XXXX. Unfortunately, MOHELA has already started asking for payments and this has led to me racking up interest for not making those payments. I am asking that my graduation date be properly established according to the record of my institution and that my grace period be postponed until the appropriate date. I also ask that any interest unjustly accrued over missed payments be erased. Thank you. 

In this email I also included proof that my college confirmed my last day of class was XX/XX/XXXX. This proof has too much personal information to send here, but I am happy to submit it in the future once this complaint advances. They have not responded nor reimbursed me for their error. I sent this email on XX/XX/XXXX. 

In addition, I manually made a electronic payment towards my student loans this month before the due date and Mohela has yet to take the money out of my account and they have even claimed I missed my payment. This is despite the fact that they sent me an email confirming my payment right after I paid. The email reads as follows : [ REDACTED ], This email serves as confirmation of the payment submitted on XX/XX/XXXX, captured below. 

Payment Confirmation # : [ REDACTED ] Amount : {$160.00} Scheduled for : XX/XX/XXXX Mohelas incompetence and complete ineptitude is ridiculous. I am filing this complaint because both calling and emailing them is useless.
Product: Credit card

Deceptive and Misleading promotion. 

Please see the attachment that highlights a 0 % APR until 2024. 

Due to the " transaction fee '' the absolute lowest APR you receive is 3 %, not 0 %. 

In addition, if you use your credit card in a normal manner, it is likely you will pay much higher than 3 % due to the confusing manner in which continued use of the card will incure regular interest rates and payments will be applied first to the balance that has 0 % interest. 

For example : Let 's assume I normally charge {$1000.00} on my card each month and pay it in full at the end of each month to avoid interest. Let 's assume I take this promotional offer and a " cash advance '' for {$12000.00} that I believe I will pay a 0 % XXXX until XX/XX/2024 as highlighted. If I continue to use my card as normal do ( i.e. charge and pay {$1000.00} each month for the next 12 months ), then I pay off the entire card balance in XX/XX/2024. The " 0 % APR '' that I expected ends up costing me 15.28 %. 

Each month that I make a {$1000.00} charge and a {$1000.00} payment, I, in effect unwittingly convert {$1000.00} of the {$12000.00} cash advance to a 21.24 % variable XXXX. Add to that the 3 % " transaction fee '' and by the end of the year I have paid 15.28 % for the " 0 % APR cash advance. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan which was paid off and I received the pink slip but the company is now reporting my car as a charge off when it was paid in full. I have disputed this several times and I even contacted Capital One Auto Finance several times and they just keep sending a letter stating that everything is correct they wo n't allow me to talk to anyone in that department I am only allowed to speak with customer service. I requested a copy of my payment history which shows that everything was paid I have asked them to give me details as to why the account is considered a charge off when the payment was missed or not paid and they have not provided any of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have tried numerous times to correct this issue with TransUnion without any success. The following accounts are believed to be fraudulent. XXXX XXXX XXXX / XXXX {$8500.00} XXXX XXXX XXXX / XXXX {$14000.00} XXXX XXXX XXXX / XXXX {$4700.00} XXXX XXXX XXXX / XXXX {$18000.00} XXXX XXXX XXXX / XXXX {$24000.00} XXXX XXXX XXXX / XXXX {$7600.00} XXXX XXXX XXXX / XXXX {$40000.00} XXXX XXXX XXXX / XXXX {$17000.00} XXXX XXXX XXXX / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$32000.00} XXXX XXXX XXXX  / XXXX {$2600.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$1200.00} XXXX XXXX XXXX / XXXX {$300.00} XXXX XXXX XXXX / XXXX {$2700.00} XXXX XXXX XXXX / XXXX {$250.00} XXXX XXXX XXXX / XXXX {$1500.00} XXXX XXXX XXXX / XXXX {$3000.00} XXXX XXXX XXXX / XXXX {$3400.00} XXXX XXXX XXXX / XXXX {$5500.00} XXXX XXXX XXXX / XXXX {$610.00} XXXX XXXX XXXX / XXXX {$8600.00} XXXX XXXX XXXX / XXXX {$5700.00} XXXX XXXX XXXX / XXXX {$760.00} XXXX XXXX XXXX / XXXX {$3500.00} XXXX XXXX XXXX / XXXX {$37000.00} XXXX XXXX XXXX / XXXX ( All accounts that say XXXX XXXX XXXXXXXX / Navient )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation and removal of certain information from my credit report based on the following provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations : 15 USC 1681A ( d ) ( 2 ) ( A ) ( i ) : This provision excludes from credit reports any information solely related to transactions or experiences between ( I ) the consumer and the person making the report.

15 USC 1801 : This provision establishes the policy of Congress that financial institutions ( person making the report ) have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6801 : This provision reiterates the policy of Congress that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information.

15 USC 6802 : This provision prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless they provide or have provided a notice that complies with section 6803 of this title.

Based on these provisions, I believe that the following items on my credit report are in violation of the FCRA and should be removed : XXXX XXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments XXXX XXXXXXXX : All information including and/or related to late payments XXXX XXXX  : All information including and/or related to late payments Inquiries : All I kindly request that you conduct a thorough investigation into these items and, if found to be in violation of the FCRA or other applicable regulations, remove them from my credit report. Please provide me with written confirmation of your investigation and any necessary updates or removals to my credit report. 

Thank you for your prompt attention to this matter. I understand that under the FCRA, credit reporting agencies must complete investigations within 30 days of receiving a dispute. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 we mailed our MasterCard bill ( issuer ; XXXX XXXX XXXX ) payment of {$500.00} ( more than 4x the  required amount ) to the card issuer. The 'due date ' on the bill was XX/XX/XXXX. Due to severe winter weather, the transit time for our payment was longer than usual and the payment was not processed by the card issuer until XX/XX/XXXX. The card issuer confirms that the payment was received and processed, our bank confirms that the check has cleared and funds have been transmitted to the card issuer. However, the card issuer states that they have not yet recorded the payment in their system hence the account is marked 'delinquent ' and the card is suspended/'restricted ' for one month due to being in a 'delinquent status '. During a phone conversation yesterday evening ( XX/XX/XXXX, o/a XXXX  ), a supervisor ( XXXX/ # XXXX  ) at the card issuer further stated that their processing can take an additional ten days, resulting in further 'delinquent status ' time plus interest and penalties. I informed the supervisor that the Uniform Commercial Code and established law states that when normal payment is accepted through the US mails, and the payment is deposited to the mails prior to the due date, that payment is considered delivered to the addressee and hence should not be considered past-due and delinquent. Her response was " We're not a bank and the UCC doesn't apply to us '' and that the card would remain in suspended/'restricted ' status for the next month. 

I resent paying 25 % interest for the privilege of being treated like some low form of deadbeat. I further resent being offered " that's our policy ( and there's nothing that you can do about it ) '' as a defense against ignoring long-established law. 

I am absolutely certain that the delay in the mails caused by the recent severe winter weather affected more than just our payment. I am also absolutely certain that the card issuer has and continues to ignore the provisions of the UCC and established law in their processing and handling of delayed payments as well as the issuance of late fees, interest, and penalties.
Product: Debt collection

I am writing to formally lodge a complaint against National Credit Systems for their repeated and willful violations of federal reporting and collection laws. Despite being notified by the federal bankruptcy court of my bankruptcy filing, National Credit Systems has continued to report a fraudulent account to the rental bureau of XXXX and the credit bureau XXXX XXXX. This is a blatant violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Code.

Under the law, creditors and collection agencies are required to cease all collection activity, including reporting alleged debts to credit bureaus, once they are notified of a bankruptcy filing. However, National Credit Systems has not only failed to comply but recently reaffirmed their collection actions on this alleged debt, despite their legal obligation to stop. This is a clear and egregious violation of federal rules.

I have disputed this matter multiple times, yet I recently received notification that National Credit Systems confirmed the debt as due. This behavior indicates a deliberate and purposeful attempt to violate the law, presuming that they can act with impunity until legal action is taken against them.
Product: Credit reporting or other personal consumer reports

The following account hard inquires and collection I don't not acknowledged and was not authorize by me and appear to be fraudulent. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX