23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account 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 an account without my written instructions.
Product: Debt collection

This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail. The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section XXXX protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus are saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see XXXX v XXXX XXXX XXXX.
Product: Debt collection

I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX saying I owe XXXX. The letter stated this is an attempt to collect a debt. Unless I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. I mailed a certified letter to XXXX XXXX XXXX dated XX/XX/XXXX requesting validation of the account. I did not hear or receive any documentation response for XXXX XXXX XXXX. On XX/XX/XXXX I get a email from my credit report monitor service saying an collection account been added to my all three credit agency and it was XXXX XXXX XXXX.
Product: Debt collection

Hi, I am a victim of identity theft. Someone used my personal information and identity for fraudulent gain. I did not create the accounts or gained any services or goods from them. When I became aware I was a victim, I reported it to the police, FTC and credit bureaus ( XXXX, XXXX and XXXX XXXX ). Account Recovery Services is a fraudulent account and is being reported on my credit report. I notified them via certified dispute letter with a copy of my police report, FTC affidavit, identification, current mailing address and explained to them the debt was not mine and a result of identity theft. Account Recovery Service verified the fraudulent account with the credit bureaus and have not removed their reporting of the fraudulent account, ignoring my disputes. The debt is n't mine and is a result of identity theft.
Product: Credit card

I received a marketing promotion in XXXX stating I would received 10 % back in rewards on all purchase made in XXXX using my Best Buy XXXX. I validated that it was for all purchases prior to making the decision to use my card. In XXXX I conctacted the number on my card to advise I had n't received the rewards earned. I spoke to someone in the esclation team who confirmed the promotion had been sent and was for any purchase made on my card. He advised those rewards would go on my account when my XXXX cycle cut and noted on my account that we had spoke and what he had advised me. After my XXXX cycle cut the rewards were still not on my account I contacted Best Buy XXXX again and they confirmed that I should have received the points and transfered me to Best Buy rewards. Best Buy rewards continue to tell me the promortion was not going on and that I am do no points. There marketing is very miss leading and deceptive clearly the promotion went out as I have received confimration of this, but there is a huge disconnect between Citi Bank and their co-brand partner who issues the rewards. I have made in total XXXX phone calls and XXXX emails trying to resolve this directly with them prior to escalating to you. I 've been a long time customer who is close to closing my account due to the poor experience I 'm having. I am only asking to be given the missing {$100.00} in rewards that I am due for spending over {$1200.00} in the month of XXXX.
Product: Credit card

I called and spoke to an agent to close my XXXX credit card with Comenity Bank on XX/XX/2023 and paid off the balance in full. On XX/XX/2023 I received a bill for {$2.00} showing it as a minimum fee charged. 

The same thing happened when I called in and spoke to an Agent and paid off the balance and closed my Victorias Secret card on XX/XX/2023. 

While the fees were removed after I called to complain, its pretty clear this is a regular practice for Comenity bank. I am reporting it because this is clearly a UDAAP issue.
Product: Consumer Loan

JPMorgan Chase allowed my ex-wife on multiple occasions to change terms on my note without my authorization or approval. I informed Chase formally in the Bank and on the phone through Auto that she had my social security number and other identifying information and I wanted her and her contact information specifically, restricted from my account. This was not done and I have been financially harmed. When I spoke with the bank today, I was not asked my verbal security password and was able to access my account without it. I am horrified by what has happened and extremely upset.
Product: Payday loan, title loan, personal loan, or advance loan

I am submitting this complaint against XXXX XXXX XXXX, located in XXXXXXXX XXXX, regarding a car title loan that has resulted in an excessive and unreasonable amount of interest charges. The company 's lending practices appear to violate federal and state regulations, including potential violations of the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under 12 U.S.C. 5531. 
Details of the Complaint Loan Amount : {$1500.00} Loan Date : XX/XX/year> Interest Charged to Date : {$13000.00} + State of Residence : XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite making regular payments, the interest accrued has reached an unreasonable amount, causing significant financial distress. Upon reviewing my loan terms, I believe the company has engaged in predatory lending practices, including : Excessive and Unlawful Interest Rates The company charged an XXXX far exceeding reasonable and permissible limits under XXXX  XXXX, possibly violating XXXX XXXX XXXX XXXX governing credit access businesses. 
Failure to Clearly Disclose Loan Terms Under TILA ( 15 U.S.C. 1638 ), lenders must provide clear and accurate disclosures regarding finance charges and APR. The terms provided were misleading, and the full cost of the loan was not properly explained. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) The companys structuring of the loan terms resulted in a cycle of debt, where payments were primarily applied to interest rather than principal, a practice potentially violating 12 U.S.C. 5531 under the Consumer Financial Protection Act ( CFPA ). 
Failure to Provide Reasonable Repayment Options The company has not provided reasonable options to settle the balance without accumulating excessive fees, trapping borrowers in continuous debt.
Product: Mortgage

XXXX XXXX and her husband originated a mortgage for their home in 2003. Over the last fifteen years the mortgage has been bought and sold by various lenders. Based on information and belief the last time it was purchased by Nationstar, doing business as Mr. Cooper. It appears that the loan was not credited with at least one payment when the loan was purchased. Mr. Cooper has had a history of reporting delinquent payments to the credit reporting agencies, when no payments were late, or in the alternative claiming payments where 60, 90, or 120 days late when they were 30 days late. Defendant has repeatedly threatened foreclosure, refused to accept and apply payments, demanded payments that were not due, misrepresented the balance due, threatened foreclosure when Plaintiff refused to enter into a 40 year loan
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Onl y  XXXX  that sho uld be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only   XXXX   that should be on their is   XXXX   XXXX   XXXX   XXXX
Product: Vehicle loan or lease

On a phone call in XX/XX/XXXX I was told I have my final payment in XX/XX/XXXX ... because of contradictory statements I decided to call right back 5 mins later and on this subsequent call I spoke with a supervisor at American Credit Acceptance and he told me I have 20 more payments! I was stunned... and he told me that I requested an extension... .which is completely false and deceitful. The only extension ( or because of XXXX XXXX ) I asked for a 2 month payment hardship and resume payments on the third month as scheduled. That was the one and only time I requested due to financial hardship because I had contracted XXXX and XXXX XXXX XXXX XXXX! There is such fraudulent and deceitful practices within American Credit Acceptance and I have been victim for years now and still they are making false statements, contradictory claims regarding requests I've never made. They have caused agreat financial and emotional hardship by fraudulent activity and claims on my account. I have just this week consulted with an attorney ... you have done nothing to investigate the aggregious and fraudulent actions by American Credit Acceptance regarding my account... how is that one agent says XX/XX/XXXX is final payment and 5 mins later a supv says 20 more payments because of a request I NEVER made for an extension? On time and early payments for years now ... my situation is one of the worst if all my research into their history of other customers with same history as mine and in New York that is one of most recent cases ... this has to stop ... to date I've paid over {$40000.00} on an original sticker price of {$15000.00} ... at XXXX XXXX interest and unknown amount of fees attached. I want them investigated for their illegal and fraudulent actions with my account for my XXXX XXXXXXXX XXXX
Product: Debt collection

Resurgent/LVNV funding has requested payment and I have never had any consumer business dealing from a consumer standpoint, and do not know who they are and request that they cease and desist from trying to collect any debt from me as I do not even know who they are. Also that they be deleted from my consumer profile, credit report on all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These XXXX inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on my credit report
Product: Debt collection

On XXXX XXXX this company reported to the credit bureaus that I owe XXXX when I have never done business with their company and I dont know who they are.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc. ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp has failed to take timely and effifective measures to prevent and address fraud on their platform, leaving my account vanrubale and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Checking or savings account

I made a payment through XXXX XXXX using my Wells Fargo business debit card. The intended recipient never recieved the payment since there was another individual with the same name. XXXX XXXX instructed me go to my bank branch manager to  dispute the claim if the teller could not assist. The dispute was filed by phone and denied. XXXX XXXX reports they can not do anything without the bank disputing the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received addition information on my dispute to Experian. ( Please see attachments ) In XXXX of 2019, I sent Experian a dispute letter challenging multiple inaccuracies and violations on my Experian credit file. 

As a result of the my dispute letter, Experian has sent me an updated credit report, which has no changes. The following accounts still reports with multiple inaccuracies and violations. 

XXXX XXXX XXXX XXXX currently reports a payment history on a collection account ; violation ; delete account. 

XXXX unknown account ; delete immediately XXXX- reports as being sold to security cardit services. However ; Experian does not report the company address or phone number. This is a violation. Account must be deleted immediately. 

XXXX XXXX XXXX XXXX reaged Account ; violation delete account immediately. 

XXXX XXXX XXXX reaged account ; violation ; delete account immediately. 

XXXX XXXX XXXX  XXXX reporting a payment history on a collection account. Violation ; delete account immediately XXXX XXXX unknown account ; no methods of verification has been provided by the company. Violation ; delete immediately XXXX XXXX  XXXX reporting a past due and payment history on a collection account. Violation ; Delete immediately. 

XXXX reporting as sold to security credit services. Experian does not reporte company address or phone number. Violation, delete immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Company has been calling for months claiming to represent Chase Bank, They have my social security number and offer a settlement of XXXX bucks even to stop the calls. 

XXXX is the number they called from today at XXXX on XX/XX/XXXX When I ask them who they are, why they do not read me my rights as a consumer or why they swear when they talk.. they hang up.
Product: Debt collection

I have tried to contact Westlake Portfolio, LLC about my auto loan since XXXX. I reached out to them by phone and written notification to try and obtain a copy of my original contract the my auto loan creditor gave them once they permanently closed. Westlake has had my account for almost 2 months and claims that they have not received my contract or my title from the original creditor but they continue to charge me unrelated fees for my loan and sending letters with the incorrect amount that I owe. I tried disputing the amount because it does not match what is reported on my credit, the amounts are significantly different. Westlake says I owe more than my credit history actually shows. I tried to make a final attempt to obtain the proper documentation so I can know how much I owe on my loan but they have refused to give me anything but keep adding fees to my monthly payments and demanding that I pay more than I actually owe them. They sent me a letter threatening to put my account in default and repossess my car if I didn't pay them the extra fees that they claim I owe them.
Product: Credit reporting or other personal consumer reports

DEAR XXXXDept of Education On XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' XXXX ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer XXXX. 

XXXX ) The account listed is " Deferred until XX/XX/2025 '' XXXX ) When XXXX pulled my credit report from TRANS UNION. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

XXXX ) This dispute alleges XXXX of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

XXXX ) The information generated from " TRANS UNION '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

XXXX ). The failure to use a manual review for the extension of credit. 

XXXX ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.
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 to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my identity was stolen due to a false Unemployment Claim being made in my name. I was advised by the Commonwealth of Massachusetts to take a number of steps. One of these steps was to put a hold on my credit reporting accounts. I contact all three credit agencies and for two of them this was a straight forward process, as the law indicates it should be. Experian was the exception. Instead of granting my request, as they are legally obligated to do, they tried to sell me a separate that I was not interested in. The company has also refused to respond to my request.
Product: Credit card or prepaid card

Hello, I am filing a complaint on a late payment that occurred on XX/XX/2017 until XX/XX/2017 with Comenity Bank / XXXX XXXX. At the time i was facing a financial deficit, and tried working with the Bank for assistance before it could affect my credit. Unfortunately, they decided not to work with me with my situation and this caused me to have a bad enquiry against my credit. As you can see on my new Credit Report, i have always been up to date since. I am requesting to have this negative inquiry removed sooner. 

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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXXXXXX XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX XXXX XXXX Included in Bankruptcy XXXX XXXX
Product: Consumer Loan

Took out a loan in XXXX of XXXX and I paid off my loan on XXXX XXXX XXXX the company Avant is saying that I still owe them {$380.00} for a missed payment in XXXX I was given a pay off amount in writing and over the phone that they are not honoring I was told to pay XXXX on XXXX XXXX so my pay off would not be short XXXX I paid that amount plus XXXX and final XXXX on XXXX XXXX this is unfair I also paid XXXX on XXXX XXXX XXXX the attachment pay off letter was the amount if I paid on XXXX XXXX I paid 6 days early so my pay off was XXXX which I paid online via ach and I called that day