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

On XX/XX/XXXX, I contacted Checkr to file a dispute in regard to two cases listed as Evictions. I previously had a report ran by a different agency and had the XXXX case removed following my dispute and providing information I have that proves there is no public record being reported. I spoke with a clerk who confirmed they are no longer public record and I have to dispute them to get them removed. 
Checkr says it's valid and the information is correct based of public record and refuse to remove it. I have sent a 609 letter that they ignored all together. I have asked them to provide proof that the information is valid and they have failed to do so only stating its from public record. Again, based on public record there are no judgements or evictions listed for my name or previous addresses. On their report it clearly states Eviction record. I paid for the credit report via XXXX and was only able to use it for twice before the dispute. It has been over a month and I was not able to apply for houses. Nor was the information corrected. This incorrect information is hurting my chances of moving. I am attaching my proof that the Information is not public record and that it can't be verified as well as the results from the other companies investigation.
Product: Student loan

There are two late payments on my account that is hindering my credit report my score took a terrible dip due to payment MISUNDERSTANDING. The missed payments were reported in XXXX and XXXX. XX/XX/2019 I made payment of {$270.00}, XX/XX/2019 {$130.00}, and a {$99.00} in XXXX XXXX.My total payment amount for both loans are {$99.00} dollars and {$49.00} dollars. These loans are separate and are to be paid separate I did not realize that. In XX/XX/2019 I made the payment of {$270.00} to cover both loans which left a remaining overage of {$130.00}, XX/XX/2019 I made a payment of {$130.00} which is the total amount of $ XXXX+ {$49.00}. At this point this is deformation of my character because creditors are looking at my profile labeling me as irresponsible. I have asked several times with only updated account info, but I would like a deletions of the red derogatory marks so that I can have a fair chance at a descent interest rate in purchasing my home, instead of higher rates due to a misunderstanding of their payment system.
Product: Credit reporting or other personal consumer reports

I am filling a complain with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within XXXX hours statin 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 XXXX 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. XXXX ) 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 for investigation within 30 days or my account be permanently removed from all credit reports. I am requesting ( XXXX ) a copy the original contract with signature, ( XXXX ) a copy of the payment history, ( XXXX ) the name and address of the original creditor, ( XXXX ) proof of collection authorization from the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX, Receivable management XXXX and XXXX XXXX XXXX bank XXXX XXXX
Product: Vehicle loan or lease

Subject : XXXX XXXX and XXXX Violations, Request for Return of Belongings, Full Refund of Payments, and Legal Investigation XXXX XXXX XXXX XXXX Dear Ally Financial, I am writing to formally submit a complaint regarding the repossession of my XXXX XXXX XXXX XXXX, and to request immediate action. I believe that both Ally Financial and the dealership are responsible for multiple violations, including violations of the XXXX XXXX and the Truth in Lending Act ( TILA ), as well as improper handling of the repossession and theft of my personal belongings. 

XXXX XXXX Violations and TILA Concerns : Within XXXX weeks of purchasing the vehicle, I notified the dealership that the vehicle was defective and identified it as a lemon. Despite this notification, I received no follow-up or resolution, leaving me feeling helpless and vulnerable. Additionally, I am concerned that the terms of the financing, particularly the high-interest rate, XXXX violate the Truth in Lending Act ( XXXX ), warranting a review of the financial practices surrounding this loan. 

Repossession of Vehicle and Theft of Belongings : My vehicle was repossessed at night, and I have serious concerns about the legality of this repossession. As the lender, it is Ally Financials responsibility to provide evidence that the repossession was legal and conducted in compliance with all relevant laws. Since the repossession occurred at night, I request that you provide clear proof showing that all legal requirements were met.

Furthermore, my personal belongings were left in the vehicle at the time of repossession. I have made multiple attempts to contact the repossession company regarding the return of my property, but I have not received any information. I demand the immediate return of all my belongings.

Request for Immediate Action : Given these issues, I am requesting the following : 1. Immediate return of all personal belongings left in the vehicle at the time of repossession.

2. A full refund of all payments made on the vehicle, including down payments, monthly payments, and any fees paid to Ally Financial, plus interest.

3. A formal investigation into the legality of the repossession, including evidence showing compliance with the law, particularly regarding the nighttime repossession.

4. A review of the vehicles defects under Lemon Law and acknowledgment of Ally Financials responsibility for the defective vehicle and potentially unfair financing terms under TILA.

Next Steps : If this matter is not resolved promptly, I will escalate my complaint to the Attorney Generals office, the Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. I am also prepared to pursue legal action to hold both Ally Financial and the dealership accountable for their actions. 

I expect a prompt response and resolution to this issue.
Product: Credit card

In XXXX of 2024 there was approximately {$7000.00} worth of fraudulent charges on my Citibank Mastercard account. 
After investigation with their Citibank 's Fraud Department, it was determined to have been the result of a security breech in their system with a fraudulent XXXX account. I was subsequently refunded the complete amount due this security breech. due to these bogus charges. 
I contacted Citibank XXXX XXXX again, requesting refund of missing XXXX Points and they denied and gave me phone number to XXXX, when I called XXXX they have no record of these charges. ( Again, these where fraudulent XXXX charges as previously confirmed when I was refunded for bogus {$7000.00} XXXX charges. ) However, during the same time period there was XXXX " ThankYou Points '' equal to {$840.00} deducted from my account, also issued to XXXX that they refuse to refund. 
Citibank does not offer monthly statements to continuously monitor XXXX XXXX  at all..
Product: Credit reporting or other personal consumer reports

I just reviewed my XXXX credit report and found that it is inaccurately reporting the following accounts as being late : XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX. These late payments are damaging my credit, and I demand that these late payments be removed from my credit report immediately. This violates my consumer rights according to the FCRA. The FCRA law 15 U.S. Code 1681a ( 2 ) ( i ) - Exclusions : States that Transactions ( late payments ) are not to be reported on credit reports. Another violation is 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, these accounts are not reporting with 100 % accuracy and must be deleted immediately. Please Delete these late payments and update my Payment History to PAANL status immediately. Also, mail me a corrected copy of my credit report as soon as possible. This is notification that I will seek civil liability as per 15 U.S.C. 1692k for every violation of my consumer rights.
Product: Debt collection

My husband and I received a letter from a company called Allied Account Services Inc. with the phone # : XXXX-XXXX-XXXX  and an address of XXXX XXXX XXXX, XXXX, NY XXXX suggesting that they are trying to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/19. I knew we had no outstanding amount with XXXX XXXX XXXX and confirmed in my records and with XXXX directly that everything was paid. XXXX confirmed that they were in no way attempting to collect a debt and that this company, Allied Account Services Inc., is a fraudulent company trying to collect false debt. The amount was {$14.00}. I assume they chose this amount, hoping it was low enough that we would just pay the debt without checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off- XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Collection INQUIRIES : XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00} Late/Open XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance XXXX {$2400.00} XXXX off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/CloseXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late/Closed
Product: Debt collection

I lived at an apartment complex where there were many things wrong such as doors not latching closed or being able to lock mold growing in the place roaches refrigerator constantly leaking and not getting cold as well as drug deals everywhere. After many attempts to the property office I informed them I was moving out. My foster mom paid over {$1500.00} to break the lease. The property management then called the police on me when I went to get the rest of my belongings and they sued me making my wages be garnished. Now this collection company bought my account and is charging me {$3800.00}. When I called to find out who they were I asked for a copy of the agreement or contract I had with their company I was then hung up on and never received anything else.
Product: Vehicle loan or lease

This company did not follow XXXX  repossessions laws when picking up my vehicle. The vehicle was taken from my home without my consent. The car was taken after payment was made on previous notice and I basically walked out my house with no car and was not given any notice to make arrangements to gather my personal property from the vehicle. I was given no information as to what tow company picked my vehicle up or how I could contact them. My license plate was also taken and not given back. And I haven't received any information on the amount that the car resold for.
Product: Credit reporting or other personal consumer reports

According to dispute XXXX the information that I have requested as the executor of my credit report have not been produced to me. According to law I am allowed a proper and verifiable investigation along with me requesting the method of verification used to verify the accuracy of this alleged information that is being reported improperly. I have yet to have this proof
Product: Debt collection

Hi- I have sent this information to you guys before and this company stalls a few months then add it back to my credit ... it's very disturbing and repetitious. Over a year ago this Debt was identified as a fraud yet IC Systems continues to apply it to my 3 credit reports. 
I would like it to be removed. 
I don't owe this debt of {$140.00} to IC System nor XXXX  XXXX XXXX. Please removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Student loan

I am trying to get accurate and current qualifying payment counts for my two consolidation loans from studentaid.gov and Federal Student Aid. They keep saying they are updating payment counts. My account updated XX/XX/XXXX and was missing my payments made on XX/XX/XXXX and XX/XX/XXXX. I contacted Federal Student Aid and they said I should submit an employment verification and that could trigger the payments to be recounted and show up on my account. The representative said that had worked for other borrowers. They had no record of my XX/XX/XXXX payment and my XX/XX/XXXX payment. I verified with my loan servicer that these payments were made. My servicer, XXXX, informed me they update the XXXX XXXX XXXX XXXX XXXX every week and that my payment information is in the database. I checked my XXXX file on studentaid.gov and the payments are in that data. 

I submitted the employment verification request on XX/XX/XXXX and it was processed XX/XX/XXXX. The payments from XX/XX/XXXX and XX/XX/XXXX are STILL not in my XXXX  payment tracker. I followed the steps given to me by the FSA representative and it still didn't update. Other borrowers have had their payments updated this way. It seems arbitrary and capricious as to why this is working for some borrowers and not others. I asked what I should do to get an updated payment count via customer service chat on XX/XX/XXXX. That rep said " they are continually updating counts and the adjustment will be made by the end of the year ''. I've been getting that line from them since XXXX. We are owed TIMELY and ACCURATE updates to our XXXX  progress. They should not be two months behind. They have had months to fix their system so it updates accurately. 

I submitted a XXXX  reconsideration request with documentation showing I made qualifying payments on XX/XX/XXXX and XX/XX/XXXX. However, they are denying requests according to many borrowers in help groups saying that they are systematically updating accounts. This does not seem " systematic '' given that some people have accurate counts and others do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated My Right.. 

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..
Product: Credit reporting or other personal consumer reports

Chime Regulatory Member Relations Team responded and closed my initial CFPB complaint which was based on Chime employees turning the XXXX XXXX XXXX account feature off, this caused an error that made my Chime credit builder account miss a payment. Chime responded to the first complaint, by stating that they submitted an update to the three credit reporting agencies, and that I should look for the update on my next months reports. Chime also advised me to contact Chime Member Services at XXXX if I feel they didnt resolve the issue. I did just that. They only resolved the issue with XXXX. As they removed the late payment error and brought my credit report back to good standing, but they didn't make the same update to my credit reports with the XXXX or XXXX credit bureaus. Actually, Chime gave different update information to all three credit bureaus, as when I called XXXX, they explained to me that instead of removing the late payment error, instead Chime requested the complete deletion of my Chime credit builder account on my XXXX credit report, and the account is no longer being reported. This is wrong, as I have proof of Chime first removing the late payment error and updating my XXXX and XXXX credit reports to a positive score of XXXX on XX/XX/2024, but then shortly after on XX/XX/2024, they updated my credit reports back to a negative reading with XXXX by adding the late payment error back to my credit report. As far as XXXX goes, again, they deleted the Chime credit builder account from being reported on my XXXX credit report. I contacted a Chime supervisor named XXXX about the issue and he told me he couldn't do anything to help me, and that I should wait for a response from their internal department. However, the Chime internal department has never contacted me. Actually, this isnt the first time Chime told me they were escalating the issue to their internal department and I should wait for their email response, which they never sent me before. Why would they do this to a good credit consumer? This is so frustrating. They lied about updating my credit reports. Whats going on? Is my Chime credit builder account supposed to be in good standing as they did on my XXXX report, is it supposed to be a bad reading as they did on my XXXX report, or is it supposed to be removed from my credit report as they did on my XXXX report. How are they allowed to make three different updates? I don't know what to do next. I may need to complain to the State Attorney General 's office, if they don't take accountability. Please Help.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX