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

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Spring Oaks Capital LLC, and XXXX 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 credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$450.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$XXXX} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes this account information I paid the OC XXXX in XXXX XXXX, XXXX. By law, XXXX must recall the account from Convergent and they have no legal reason to report on your credit reports and must delete.
Product: Debt collection

XXXX, XXXX 2023 I was checking my credit report and found that a collection account had been added to my report for XXXX XXXX, I have no idea who this company is and haven't received any notification that I owed this debt nor was I giving the opportunity to dispute this debt prior to it being added to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.
Product: Consumer Loan

took out loan with td bank. signed up for intellipayment at dealership- they have harassed us about being late when its auto deducted. we finally resolved the issue with them after many complaints. they took what they claim to be 2 week late half payment and made is sign letter stating a FULL payment will be added to end of loan. this is ripping us off of a half a payment but to stop the harassing calls, letters and ruining my credit when I have never paid late we agreed. now over a month later they are claiming again that we are late a month and owe a month plus XXXX $ and late charged. the payment is auto deducted every 2 weeks and have proof of every payment. I will not pay any more than I am required to and it is not fair they are trying to scam all this money from us. it can not be late when it is auto deducted from the bank account every 2 weeks according to the payment schedule. I can provide statements showing this! I want something done about this company- they resolved the issue then came back with the same issue all over again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. despite using the numerous times and reporting discrepancies my financial institute in zeal failed to investigate my claims adequately they informed me that recurring lost forms was impossible and that tracking these transaction was unfeasible the cfpb 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to claims.
Product: Money transfer, virtual currency, or money service

I heard recently Zelle had problems with handling 's of disputes and that the CFPB was hit with a lawsuit regarding the platform Zelle. I have used Zelle for 2 years now and my financial institution and Zelle failed to investigate my claims adequately. I was told recovering lost funds was impossible and that tracking these transactions were unfeasible. CFPB findings indicate that Zelle has neglected to protect consumers, but has allowed repeat offenders to exploit the system leaving victims vulnerable to scams.
Product: Credit card or prepaid card

Elan Financial keeps charging me for a fraudulent account never authorized by me. In their response, they claim that the address and phone number verify to me. However, I have never had this XXXX phone number nor have I ever lived at the address on the application. Someone has used my social to open fraudulent accounts and phone numbers. 

Additionally, the application had an incorrect last name, which I have never used. The email address and employer also is not my real information.
Product: Vehicle loan or lease

on XX/XX/XXXX purchased a XXXX honda civic the first thing i told the sales lady i had to have these things in order to buy from them XXXX trade in my fianc XXXX XXXX platinum for pay off on it. XXXX no money down. XXXX sales taxes and tag fees paid.4th payments as close to XXXX they agreed to do all was also told sales price was XXXX $ and was told that they would drop it a XXXX to make it XXXX $ not XXXX $ I also had a loan approval from XXXX  XXXX the car lot sent them a different amount than what it was approved for already so therefore they denied me the loan i didnt have the contract went over with us to fully understand all of it didnt get a contract after purchase of the vehicle there was no as is warranty sticker in window i didnt even get the contract until my fianc went to see if theyd try and fix they lied said theyd do what could and contact her never did I was the initial buyer but they made her the i buyer cause her credit was little higher thats when we told them multiple times that she didnt work since XX/XX/XXXX has been off due to injury they asked her what she made when was working full time then XXXX days later when she went to get them to do what they told they would is when got contract it had the as is warranty on printed paper and it had her information at her old job making XXXX $ a month and she dont work had nothing on me or my job or income the sal lady also contacted the water department and asked them to put my name on it as well as the electric company without permission i feel like i was set up for failure because im the only one with income i feel tike i was took advantage of and misslead into the deal
Product: Student loan

I have submitted applications for XXXX  Loan forgiveness as a XXXX  and XXXX XXXX in a XXXX XXXX XXXX  working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. 
XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. 

XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. 

XX/XX/XXXX-Denied because my XXXX  was not listed on the low-income directory until the XX/XX/XXXX XXXX   year. I call and representative tells me to reapply at the end of the XXXX  year on XX/XX/XXXX. 

XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX  is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning.

I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX  not being listed is simply beyond me. I need help, please.
Product: Student loan

The promissory notes for my private loans were stolen out of my home. I have been trying to obtain copies of the promissory notes from my student loan servicer. I had XXXX XXXX Loans ( XXXX ), but my loan servicer has provided a copy of the promissory note for only XXXX XXXX loan. I have asked for a copy of the XXXX loan, and I received a form letter that said, " enclosed in the information you requested, '' except the missing promissory note for the XXXX XXXX loan was not enclosed. I have been requesting copies of the promissory notes on all my loans from the loan servicer since XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I receive a monthly credit score report furnished by XXXX. I noticed that my credit score dropped from XXXX ( XX/XX/XXXX/XX/XX/XXXX ) to XXXX XXXX XX/XX/XXXX/XX/XX/XXXX ) on my most recent statement. I have no outstanding debt outside of my student loans and all of my bills are paid on time. I obtained my equifax credit report on XX/XX/XXXX and there was nothing outstanding, but there was a collection reported. The company CBE Group had a collection for {$49.00}. The report did not provide anything other than the date assigned ( XX/XX/XXXX ), the date of first delinquency ( XX/XX/XXXX ), date reported ( XX/XX/XXXX ) the last XXXX digits of an account number, and a creditor classification : retail. I have lived at the same address and have had the same phone number for 6 years. I NEVER received any type of communication from CBE. I 've NEVER received any communication of any sort saying my account was going into collections. There were no outstanding accounts on my credit report. I have tried repeatedly to contact CBE Group by phone and through their website ( I ca n't write to them because they did n't include a mailing address on the report and I never received a letter ) and I have n't been able to get to anyone. I try to call the phone number on the website XXXX, I can get through the first prompt and then the second prompt disconnects the call. This is EXTREMELY frustrating. The first thing I need is to know who the creditor is and I ca n't even get that. This mistake is causing a negative impact on my credit and I ca n't even get information on who I did n't pay. Just an aside, when I tried to look up CBE I noticed a number of pending lawsuits for fraudulent reporting. Please tell me what to do.
Product: Checking or savings account

From XX/XX/year> when I closed my account with XXXX and TRANSFERED service to my home from my business they have been triple charging me service and installment fees from three different accounts days apart taking money out of my bank accounts. After realizing today that they took the regular {$73.00} but also sent me an email that I was required to pay {$160.00} I realized this was wrong. After 7 people and 3 hours on the phone with XXXX realizing they have been charging me on multiple accounts instead of just one, I filed a complaint with my banks. XXXX owes me {$640.00} in overpayments. I have paid over {$1200.00} in the last 4 months to them for 3 separate accounts when I received {$550.00} in services. They still have multiple accounts showing for me and never properly canceled my business account.
Product: Checking or savings account

Today XX/XX/XXXX  I received an email stating my ordered checks were delivered to my home address. I went to look in my mailbox or on porch for the delivery, the delivery IS NOT THERE!!!! I am very upset by this & angry as this package was the delivery of my new personal checks!!!!! So whomever took the package now has access to my checking account! This is totally irresponsible of Chase IF they had delivery person leave the package on porch to be stolen!!!! Especially @ this time of yr. when porch pirates are all over waiting to steel pkg. left unattended!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX late payments on my report from a company that was not my fault. I never received a bill or notification of the bill until it was to late. I have tried fixing the error with the company and explained i never received the bill but have not had success. Trying all avenues to get this fixed so i thought i'd reach out too see if there is anything you can do. Your help is greatly appreciated. Thanks
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This accounts are hurting my ability to obtain credit. Its my understanding that the credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate. 

XXXX XXXX ( Account number XXXX ) XXXX XXXX ( Account number XXXX ) CAPITAL XXXX ( Account number XXXX ) XXXX  XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Account number XXXXXXXX XXXX XXXX XXXX XXXX  ( Account number XXXX ) XXXX XXXX XXXX  ( Account number - ) XXXXXXXX XXXX ( Account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my 15 USC 1681 ( a ) ( 1 ) 15 USC 1681 ( a ) ( 2 ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) - The right to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports for continuing to report information on my consumer report without verifying the accuracy and completeness of the information first.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) for not deleting the items in dispute in 30 days when Experian clearly can not verify any of the information, 15 U.S. Code 1681i ( a ) ( 6 ) ( A ), for not notifying me of the result of the investigation, 15 U.S. Code 1681c2 for not deleting items resulted from identity theft in 4 days, I even sent an identity theft report for it
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing the latest results of my Equifax dispute investigation, I noticed my Equifax credit report does not match my XXXX or XXXX report, they investigated my disputed items and removed all inaccurate items from my report, Equifax did not, please see my attached dispute and update my Equifax to match my XXXX report which is included.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/20 ) I called XXXX, XXXX  and Transunion. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. XXXX, XXXX  and Transunion knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 days.
Product: Credit card or prepaid card

I maid a purchase on XX/XX/XXXX for a phone through Xfinity mobile AND My credit wasn't high enough so they canceled it but they already took XXXX dollars as a deposit I never received my money back everytime I call each working says different things they said u received your money on the XXXX I send screen shots of the XXXX no money returned they another working says I received it on the XXXX I got screens shots on the XXXX no money return they I call again one working says give it 3 days they released the money to chime on the XXXX and still nothing I called support now she says it was giving to you I'm telling them my activity is everyday use I know if XXXX was put back and they choose to not help me like how they all come up with different dates and info I spoke to a super viser she went after I told her no and canceled my card being rude like who does these things mind you I have my amend taxes set for direct deposit there I have 2 returns from XXXX I'm yet to receive cause it's to the card they canceled they have XXXX of mine from a company I blocked last month and report as fraud. Yet the company too XXXX from me like 10 days ago I disputed it and they canceled my card with out looking into the fact I already cancel my card last month this was a new card but she wan na do it her was and talk to me last and I couldn't understand her she didn't even understand XXXX like this is american this is my money but sounds like the call center is in XXXX I feel chime is just robbing people
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted all three credit bureaus about XXXX XXXX XXXX adding an old debt back onto my credit report as a new debt. XXXX  was the only one to remove this debt due to this company not contacting me through phone, email or mail, and adding an old debt to my credit report like its new, which violates the FCRA. I have contacted the other two credit bureau and they will not remove this debt that violates FCRA laws.
Product: Debt collection

I wrote XXXX on XX/XX/XXXX in reference to debt appearing on my credit report from a company called XXXX XXXX. I called acceptance rentals who informed me that that sold my information to a 3rd party Vance & Huffman LLC. I then wrote Vance & Huffman LLC who sent me what appears to be signed contracted. This was a digital copy of a contract with my name typed on the line. Next this company shows that that debt was obtain in XXXX and was paid from a XXXX XXXX account and the account number ends in XXXX. I have been with XXXX XXXX since XXXX I have no account ending in XXXX Also, that have an unclear copy of an id attached to this contract. I have never obtained anything from this company. I demand to see VERIFIABLE proof please. I want to see a clear photo of id that was used to obtain the debt and a second from of information linking me to this debt.
Product: Credit reporting or other personal consumer reports

I have been disputing information on my credit report for a few months and I have not gotten any response about my disputes. Inaccurate information is being reported on my report that is hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX XXXX. closed account # XXXX. A request to deleted this account was submitted to the three major consumer reporting agencies during the next reporting. However, this account which was deemed as fraudulently open is still reporting on my credit file. In spite of that, you have also exceed the 30 day period mark for credit reporting agencies to investigate disputes additional time was given to resolve this matter. Your company as well as XXXX XXXX XXXX XXXX. both received notarized copies of an identity-theft report and identity affidavit via certified mail. As a result, further collection efforts were terminate then a request to deleted from all 3 credit reporting agencies without coincidence by XXXX XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages if this accountq is not deleted. Please be advise that this is also a serious offense of defamation of character whereas misrepresenting my name with creditors for debtors I am not associate with. You have 15 days to deleted this account otherwise there shall be legal action taken. 

Thank you..
Product: Credit reporting or other personal consumer reports

Incorrect demographic & personal information on my credit profile that does not correspond to my State Drivers License. I have reached out to creditors or reporters and they said it is the responsibility of the CRA to amend said information but CRA 's refuse to remove incorrect information which will impact my ability to be a Personal Guarantor for future business loan applications that rely on a credit and clean XXXX for completion. See attached documents showing attempts that failed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX5 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.