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

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : JPMCB CARD ACCOUNT # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX for unfair and deceptive practices that have negatively impacted my financial situation. I believe these actions are in violation of the Consumer Financial Protection Act ( CFPA ) and request your intervention. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX XXXX below are the Accounts that are being challenged 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that CFPB will thoroughly investigate my complaint and take appropriate action against XXXX, Experian, and XXXX. 

Please inform me of any further information/documentation required to support my complaint.
Product: Credit reporting or other personal consumer reports

i sent all CRA 's a dispute letter on XXXX requesting validation of the inaccurate and incomplete information they are reporting on my credit report. 15 usc 1681eb states that all information has to be 100 % accurate and complete before posting it on a consumer credit report. 
i have attached a copy of each letter down below for your reference
Product: Payday loan

Received call on XXXX/XXXX/XXXX stating that i took online payday loan in or before XX/XX/XXXX for {$300.00} and have not paid anything, and if its not solved they will proceed with court proceeding, i requested them the detail of loan but they was not able to provide it, first they said i got loan from XXXX and the company name they give was cornerstone partners ( Phone # XXXX and XXXX ) and they said while taking loan i gave reference of XXXX in XXXX but when i check with my bank i found that i did not even had account with XXXX at that time ( then i started reading online about this scam calls and ALOT of people are facing same calls ) here is the link i read it about : XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality under15USC1681. 

Account name and # XXXX XXXX XXXXXXXX Account name and # XXXXXXXX XXXX XXXX XXXX Account name and # XXXX XXXX  XXXX XXXX Account name and # XXXX XXXX  XXXX Account name and # PXXXX XXXX XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : 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 thansevenyears 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 informationisinaccurate
Product: Debt collection

On Yesterday, XX/XX/2018, I updated my XXXX XXXX to see my score dropped 25 points because of a {$300.00} collection that I have no knowledge of from a company called Midwest Recovery systems. The original creditor company name is 12 XXXX XXXX. I do not know who that is nor do I have any type of contractual agreement with either company and feel this is fraudulent and predatory practices by these companies. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit card

I believe the account is invalid. UPSTART needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. UPSTART NETWORK INCXXXX XXXX
Product: Credit card

Chase has consistently reported a credit card account for me that is not mine. They have sent it to collections and received a judgment for the monies even though my repeated requests for them to send me a copy of the signed card agreement has not been met. I had XXXX signature loan with Chase back in 2007 which has been paid. I had no other accounts with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of account below has violated my federally protected consumer rights tp privacy and confidentially under 15 USC 1681.

Account Name # XXXX  Account Number # XXXX Account Name # XXXX  Account Number # XXXX Account Name # XXXX XXXX Account Number # XXXX Account Name # XXXX XXXX XXXX Account Number # XXXX Account Name # XXXX Account Number # XXXX Account Name # Credit Control Account Number # XXXX, has violated my rights. 


I looked at my XXXX credit report on XX/XX/year>2025 and noticed some things are incompleted and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681! 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

On XX/XX/22, XXXX XXXX XXXX received a Cease and Desist from the consumer ( XXXX XXXX XXXX ) XXXX XXXX I invoked according to 15 USC 1692c ( c ) ( 2 ) my specified remedies as a federally protected consumer and I demanded all of the following including but not limited to : Stop collection on this fraudulent debt Report PAID IN FULL to all credit reporting agencies including but not limited to XXXX, XXXX, XXXX XXXX XXXX XXXX zeroed out every month Check for {$5000.00} for violations under FDCPA sent to my address above I initiated the Cease and Desist because after further review of the credit contract ; XXXX XXXX XXXX committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least ten point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand. The company failed to acknowledge that the finance charge is the total cost of consumer credit in dollar amount. The consumer is only entitled to finance charge.

Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this sub chapter or any regulations issued there under, otherwise fails to comply with any requirement imposed under this sub chapter shall be fined not XXXX than {$5000.00} or imprisoned not more than one year or both.
Product: Credit card or prepaid card

I applied for a Discover card in order to balance transfer from another credit card. Discover blatantly and openly stated that it would be 0 % for 18 months on the disclosure that was given to me. Upon being excepted for the card, they then sent me another disclosure saying it was only 15 months at 0 % and that there was nothing I could do. I then received a fraudulent email from Discover stating that my payment was past due when I had only had the card for less than a week and a half. I call Discover and said why was I getting this email and the representative said that it was a fraudulent email and to ignore it. The representative went on to say that I would receive a statement within two weeks. I confirmed my address once again with the representative. Sure enough, I still have not received a statement. When I called back in to ask where my statement was they told me that my payment was past due. I told them to confirm the address I had on file, and sure enough it was wrong again! Ive been asked to speak to a supervisor and was told that I would have to wait 24 to 48 hours before one would call me back. I just missed a call which my phone identified as a possible scam and so I did not answer it. Then a voicemail was left saying it was Discover card and I had to start the process all over again. This company is openly deceiving customers and committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan originated with XXXX XXXX, XXXX XXXX  took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when XXXX took over XXXX XXXX, when I called XXXX XXXX  about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called XXXX XXXX  customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with Experian and XXXX, but that has not happen. I would like for my active auto loan with XXXX XXXX to be reported as current along with my payment history to all three major credit bureaus.
Product: Credit card

I am complaining about Bank of America. I made a payment of {$520.00} for my Bank of America Credit Card XXXX XXXX on XX/XX/XXXX. However Bank of America at the same time charged me a late fee. It doesn't make sense to me that I made a payment on XX/XX/XXXX and Bank of America simultaneously charges me a {$10.00} late fee. That is unacceptable. 

For this card, I received no notification on when the payment is due and no emails on payment is due. 

Second I already scheduled a payment and it was completed without any issues. So I should not be charged a late fee. 

Third, I am unable to setup autopay. With autopay I have never missed a single payment.
Product: Mortgage

Since of XX/XX/XXXX i have been trying to ASSUME my father 's mortgage after he pass away. 
Mr. cooper restricting me from to instead trying to sell my father home against the law I have the right to assume the mortgage loan under XXXX XXXX and this Agency rules saids I do under the new regulation since of XXXX. 
I have given Mr. Cooper all the proof I need to show Im a heir beneficiary and they say they need more proof now say they need a will when I gave them the probate documents Im the heir and beneficiary and death certificate.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently went to two dealerships to obtain an auto loan. 

Both places ran my credit through a total of 20-23 companies/hard inquiries. 

Transunion and their XXXX Score ( they developed ) are treating every inquiry as a separate one ; not as one inquiry within the 30 day reporting period. 

Additionally, I called Tu and they told me well other things are your report caused this when in fact, thats not possible. Two negative accounts were actually removed from my account in this same period. Not one other reporting agency, whether FICO of XXXX, has counted each of these inquiries individually. 

My score. My XXXX XXXX TRANSUNION score dropped XXXX points in a day! Ha! They docked me 5 points per inquiry instead of just ONE. 

If this affects my ability to get credit I intend to sue Transunion and any agency or third party in charge of oversight and compliance of Transunion. This needs to be fixed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was notified by XXXX and XXXX that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.
Product: Debt collection

I recently received a copy of my credit report i was utterly shocked to learn that I have been a victim of identity theft i found this account on my credit report that were not opened by me. this has been hurting me as I am in the process and trying to buy a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please correct or discard these items immediately : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX my husband and XXXX Veterans started the process of refinancing with our current mortgage company Planet Home Lending. We have already completed the entire process of credit check, loan approval, house appraisal, termite inspection etc. During this entire process the Loan Processor seem unprofessional and would never answer her emails or voice mail in a timely manner. Although we were in the midst of COVID 19 we submitted all information and was given several closing dates original dates was XX/XX/12020, then XX/XX/2020 then again XX/XX/2020. At the last minute the Loan Processor needed to verify additional information for the underwriter which she had done weeks ago? 

She requested pay stubs, job verification etc which we submitted promtly, I made several complaints about the processor and spoke to her supervisor and I was assured that these issues will be resolved and closing will happen on XX/XX/2020. Unfortunately due to COVID 19 my husband was laid off his job on XX/XX/2020, I then left a voice message and send an email for the loan processor and her supervisor to see what steps we can now take to continue the closing of this loan, to date no one has return our phone call. 

We have also seek the assistant of a family friend who is also a Loan Officer and he contacted Planet Home lending about a week ago and he was told that the loan is in completion in the final stages and now they will not respond to him or us. We are frustrated and angry this company lack of professionalism has us at wit 's end and we can not get any answers. 

Please assist as quickly as you can we have no idea what to do and/or if our closing will truly happen.
Product: Debt collection

I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX XXXX, VA. 
I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. 
While at the store ( XXXX XXXX  where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. 
To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. 
This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from Tidewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. 
I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. 
Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company.