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

Here 's the extracted text from the images : -- - I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source
Product: Debt collection

I owed a XXXX Toll fee that I forgot about. I received a text telling me that I needed to pay the toll, the amount i needed to pay and a website to pay. I promptly paid it. Then I got a letter from XXXX  toll and saw that the amount was different than what I had paid from the text. I went to the letters website and on the top of the page warned of scammers sending texts to collect on the tolls. I immediately contacted my bank and they canceled my card and are researching on their side this fraud.I want to report this website so that no-one else is scammed. Here is the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My XXXX loan account is on a payment pause while they process my income driven repayment plan, meaning no payments are due. 
I decided to make voluntary payments while my account is in an administrative forbearance. 

I received a statement dated XX/XX/XXXX from Nelnet stating {$100.00} would be autodebited from my account on XXXX. It shows no past due amounts, and my last payment of {$140.00} was paid on XXXX. It also states that my regular monthly payment is {$100.00}. 

They autodebited {$750.00} on XX/XX/XXXX. No authorization, no advanced warning, no communication from Nelnet whatsoever since the statement on XX/XX/XXXX. 

I can not get through to a representative by phone and they have not answered my emails.
Product: Credit reporting or other personal consumer reports

I have reached out to Fifth Third Bank in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However Fifth Third Bank did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

Fifth Third Bank inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. Fifth Third Bank has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( Fifth Third Bank ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report.

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.
Product: Credit reporting

I have been making current payments on this account for over 2 years and the balence is now much lower, would like this account updated
Product: Vehicle loan or lease

In XX/XX/XXXX, I signed an auto loan with Santander on a XXXX XXXX through XXXX for {$19000.00}. Since that time, I was diagnosed with XXXX XXXX and we experienced Hurricane Irma so we got behind in our payments. At the suggestion of Santander, we agreed to a total of three extension agreements. We were told that the past due payments would be " added to the end of the loan ''. The result was that between XX/XX/XXXX and XX/XX/XXXX, I made payments totalling {$9300.00} and yet not one penny was credited to principal. So, as of XX/XX/XXXX since inception, I had made payments totalling {$17000.00} but my principal balance had been reduced by only {$1900.00}!! When I questioned this, I was told some double talk about " simple interest ''. CFPB sued Santander for not disclosing how principal interest would be allocated on an extension. That matter was settled but when I questioned three people at Santander including a Supervisor, they had no idea what I was talking about. I had the impression that Santander would be giving relief to customers affected. 
Due to my illness I have been running three payments behind but I have made a full monthly payment every month for the past year on the date I receive my Social Security  check ( 2nd Wednesday ). Yet I get 2 and sometimes 3 calls a day on my cell phone from Santander and when I ask them to stop ( many times ) I was told they can't because their computer dials my number. They leave voice mails and threaten repossession even though I pay every month and they tell me sometimes that the repo order has been sent until they cancel it, I should hide my car.
Product: Vehicle loan or lease

1 Payment that was made was not credited correctly. {$180.00} int. {$130.00} principle 2 Deceptive practices ( I tried to elaborate on what the contract says about waiving up to {$500.00} and the deductible of the primary insurance and I was told that was only if there were a {$1000.00} deductible. I pointed out to them that my contract stipulates my deductible can not go higher than {$500.00}. So I was told that the clause didn't pertain to me only people with a {$1000.00} deductible. I was first told by XXXX XXXX and then I insisted on speaking with a supervisor. Thats when it was confirmed to me my XXXX XXXX. 

I purchased my truck on XX/XX/2019. My first payment was due XX/XX/2019. I made my payment on XX/XX/2019. I got into a accident and totaled my truck, on XX/XX/2019. I was fully insured and I had GAP. XX/XX/2019 {$9800.00} {$10000.00} bal {$310.00} payment principle {$130.00} interest {$180.00} {$9900.00} bal {$9800.00} paid by insurance {$91.00} bal GAP should've covered this. 

I tried on numerous occasions to resolve the matter. I was told that they would let me settle it at {$300.00}. When I would ask a question I was talk to like i was some XXXX. I asked why gap wouldn't cover the balance and they told me because I was behind in payments. 
A hard inquiry was added to my credit report by AUTOMOTIVE CREDIT CORP on XX/XX/2019 XXXXWHY WOULD THEY RUN MY CREDIT AGAIN? XXXX I bought my XXXX XXXX XXXX on XX/XX/2019. I paid {$590.00} for GAP. The 48 month term that I signed started XX/XX/2019. My vehicle was totaled in a accident. Someone slammed into the back of me that didn't have insurance. The accident date was XX/XX/2019. According to the gap contract it will cover the balance of the loan. My insurance company paid it off in XXXX. Automotive Credit Corp told me that gap wouldn't cover it because I was behind in payments. I went through 3 different people and no one would listen. Finally the supervisor of the insurance part tried to convince me of just a bunch of XXXX. In the waiver it states " ( A ) If the vehicle is protected by insurance, lender will waive the GAP amount and the waiver shall include the primary insurance deductible up to {$500.00}. 
I tried discussing this with them and I was told that it was for people that had a {$1000.00} deductible. I asked where is this disclosed? And then emphasized that in my contract it states that I can only have a {$500.00} deductible. 
Then my credit was ran by them. This happened for no reason and I didn't authorize it. 
They also did the interest and principle wrong. it should've been {$180.00} interest. 

They have reported that I was 120 days late. Then because of disputing they had to remove it and changed it to 119 days.
Product: Debt collection

I received a letter on XX/XX/2022 to pay a collection from Constar Financial, in the amount of XXXX. I didn't recognize the debt so I sent a letter of validation letter on XX/XX/2022 via certified mail. I received validation of debt letter back from Constar on XX/XX/2022 saying that I personally owe them money for a vehicle that is in a business entity, the sales contract with the dealership doesn't have my name on any of the paperwork as this being personally guaranteed by me or that I was listed as a co buyer of this vehicle. This vehicle was purchased in the name of the company using the companies credit.
Product: Credit card or prepaid card

I have disputed a charge for XXXX from XXXX on my Chase credit card. 
However, Chase rejected my dispute out right without investigating it. 

This is a violation of my rights under Federal Fair Credit Act.
Product: Credit card

THIS INVOLVES Care Credit issue by Synchrony Bank. 
My name is XXXX XXXX, and I have had this account for XXXX  years. I have paid this account monthly. I made a payment on XX/XX/XXXX, for XXXX and again on XX/XX/XXXX for XXXX. On XX/XX/XXXX I found out the account is closed without notice to me or explanation. I called customer service and spoke to " XXXX ''. She stated closure was due to dishonored payments. she then put me on hold for XXXX minutes, came back and said I had late payments ( which were late by a few days ). 
I then asked if the account as charged off, and she said she could not honor my request. I then asked for a 1099C and she said she could not honor my request per her supervisor.
Product: Payday loan

I revoked my ACH option for the loan. The loan was forwarded to a third party collections company who made an attempt to represent a check to my back it was returned. I contacted the company on XX/XX/XXXX to let them know that they do not have permissions to present any checks to my bank. On, XX/XX/XXXX another check was presented and then I contacted the company they were hostile and were not appearing to offer a solution.
Product: Bank account or service

On XXXX XXXX, 2015, at XXXX I was in line at the City Bank branch located atXXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I was in line for XXXX minutes waiting to pay my City Bank Credit card, when I was approached by Branch Manager Vice President XXXX XXXX. XXXX XXXX XXXX demanded I give up my turn in line too XXXX customers who were not in my line. I explained to XXXX XXXX I had been waiting in line for XXXX minutes and I needed to get back to work ASAP. XXXX XXXX stated to me that I did not have an account with City Bank and needed to let the others customers go before me. 

I stated to XXXX XXXX, I did have a City Bank account which is my City Bank credit card and Icould pay my City Bank Credit card at any City Bank Branch if I desired. XXXX XXXX started yelling at me to get out of her Bank, because I did not have a City Bank account. I stated to XXXX XXXX I was a City Bank customer and I had the right to be in this branch to pay my credit card bill. 

XXXX XXXX became belligerent and threatening towards me because I would not give up my place in line too XXXX XXXX customers. XXXX XXXX shows favoritism to XXXX customers over XXXX customers. XXXX XXXX clearly intentionally discriminated against me, because I am XXXX, by demanding I give up my space in line and to get out of her branch, because I did not have a City Bank account, which is False.
Product: Consumer Loan

I had this car for a year-and-a-half ago I purchased th is in  XX/XX/XXXX  or  XXXX  2015. Night even a year in  XX/XX/XXXX  my brakes was bad. I took it to a private mechanic. And he said every y ear I have to change the brakes. Instead of going to the dealership because it 's not under warranty. And I do n't have that kind of money to go to the dealership I still coated me {$500.00}. So this year I have to replace my brakes is even close to  two years I do n't understand why do I have to replace the brakes is not my fault only drive  in  XXXX  that 's the only place tha t I drive bu t I have to keep replacing them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this accountin violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX  XXXX XXXX on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I purchased merchandise at a TJ Maxx Store in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a TJX Rewards Platinum Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX, XXXX  and  XXXX  that Synchrony Bank had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted Synchrony Bank to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry.  They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with Synchrony. Additionally, I contacted the Manager of the TJ Maxx and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from Synchrony and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Product: Credit reporting or other personal consumer reports

complaint - XXXX XXXX on the cfpb claimed that none of the accounts complaint about where on the report XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I just received an email and log in that has all the accounts as verified and I have submitted an FTC report on the accounts in question. Experian had 4 days to remove the accounts and did not instead lied about the report in their answer above. I have attached the report, and the ftc reports, I am also asking for their reinvestigation method and the name of the companies contacted for the verification. 
I have attached a pre arbitration letter in case they have an arbitration clause. 
Experian is violating my privacy and constitutional rights. Doxing inaccurate and incomplete information causing me harm and defermation. 
remove the inaccurate accounts that have all been changing in amount, date opened, balances, lates etc. 
XXXX XXXX XXXX XXXX XXXX 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

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
Product: Debt collection

Commonwealth Financial Systems has once again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the 6th time that this fraudulent account has appeared on my credit reports and the 4th time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has well over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of XXXX as well as the XXXX Attorney General & the XXXX. I am also filing a complaint with XXXX XXXX for code of conduct violations. 
It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive, deceptive and illegal behavior.