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

XXXX is violating my consumer rights. They are fraudulently letting CREDENCE RM, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CREDENCE RM to the IRS filling out form XXXX A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XX/XX/XXXX. I attached proof that CREDENCE RM isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CREDENCE RM pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit card or prepaid card

I have had a Capital One Platinum XXXX XXXX for a few years now. I always receive a billing statement a few weeks prior to my payment date which is the XXXX of every month. 
I have been making all of my payments on time and more than minimum amount. I noticed that I did NOT receive a billing statement for the month of XXXX. I thought perhaps it may have been delayed and waited until the XXXX. I still had no billing statement by the XXXX so I called the customer service number on the back of my card. It took several minutes of navigating their answering service to finally speak to a customer service rep. When I finally connected with the person, I could barely understand him. It took me nearly 30 minutes to make him understand that I had NOT received a billing statement for XXXX. I told him I WANTED to pay my balance of around {$40.00} and offered to do it over the phone using my bank debit card. He stated that my type of account was not eligible for phone payment. He then put me on hold and returned saying that that Capital One would issue a new statement within 4 to 6 working days and would " consider '' waiving the late fee after my payment was made. As of this date, I still have NOT received an up to date billing statement from Capital One.
Product: Bank account or service

I filed a few complaints with Scottrade and was told that they would get back to me within a few days. Scottrade did not respond - so I am writing this complaint. 

I formerly closed my account as Scottrade but was also informed about the data breach discussed here : XXXXI would like to know why Scottrade is not responding to my complaints about the breach and why Scottrade is the only company not to give additional disclosures about the hacking.
Product: Checking or savings account

Branch I visited on XXXX XXXX XXXX XXXX on XX/XX/year> the branch manager and teller XXXX XXXX had the worse attitude and customer service. Teller didnt follow the due diligence and flagged my account without trying to verify with me. All because I brought an old debit card since I never used debit card. Then the manger lied to me told me its back Office fraud department that blocked my account. I believe I was treated differently and discriminated due to my race. Id be contracting the XXXX community and need to share this frustration I encountered I had at Citi bank I had to visited local branch 3 times to close account. along report this matter to the authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't get XXXX but experian can sell me on all of their other products and it is no problem accessing any other product but XXXX   When inquiring about the error you always get transferred to membership dept which is nothing but a sales department for you to upgrade to a monthly membership vs the {$1.00} trial membership.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX has been reporting incorrect inquires, information on my credit report. None of the 3 bureaus have the corrected information that has been reported along with many of the inquires and soft inquires that i do not recognize. I would like consumer financial protection bureau to look into this matter throughly. I have attached an identity theft reports along with letters and a copy of credit report. Please help me correct this issue urgently .. thank you
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Experian Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

this is a notice of a default judgement for non reply to my lawsuit and her a copy of the summons been served Toyota motor non reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?
Product: Student loan

Every year when I re-certify my XXXX XXXX for PSLF with XXXX XXXX, they get the payment count wrong. This year was the same. On XX/XX/XXXX my PSLF XXXX XXXX was re-certified, and they told me I have 60 qualifying payments for one group of loans, and 59 for another. These loans are consolidated and should both show 60 qualifying payments. It is under review, but they can not provide a time frame for when I can expect the number to be corrected. It should not take so much effort on the part of the borrower to keep tabs on XXXX XXXX to do their job correctly and provide correct payment counts. Since they became my servicer several years ago I have spent many hours on the phone with them, emailing them, and carefully documenting everything to keep everything on track. The poor quality of their service is unacceptable.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was XXXX  and XXXX  in XXXX, XXXX. During this XXXX  both of my phones, all my credit & debit cards, and other personal belongings were stolen. I have reported the crime and opened a case at both the XXXX police department as well as my local police department. With my stolen phone they also got access to my XXXX  and XXXX  email accounts, which gave them access to all my personal information and different financial institution accounts. One such account was my PayPal account. Using my PayPal account the XXXX  were able to make 3 transactions through PayPal 's " send money to friends & family '' feature, the sum of which was XXXX $ and are described below. 

Transaction XXXX : XXXX XXXX XXXX {$500.00} Transaction XXXX : XXXX XXXX XXXX {$500.00} Transaction XXXX : XXXX XXXX XXXX {$480.00} XXXX XX/XX/year> I filed a case with PayPal ( Case ID : XXXX ) to dispute these transactions as fraudulent and unauthorized access. They closed my case and deemed it to be authorized since there is no PayPal insurance or protection for sending through friends & family. I reached out to customer support which told me they appealed the case, but PayPal again denied my claim and the case was closed. PayPal continued to try and extract the money for the transactions through my linked bank accounts, but since the robbers had already cleared out my checking account, the transaction failed. Since that day I have already filed claims with my bank and they placed stops for PayPal to extract the money from my checking account. PayPal is still continuously attempting to extract money from the accounts I have linked and in the meantime I am now left with a negative balance of - {$1400.00} in my PayPal account ( I previously had a positive balance of XXXX $ ). I have continued to try to resolve my problem through PayPal but their customer service says they can not help with the fraud in anyway. They mentioned if I fail to settle the negative balance on my account, my account will be placed on lock after 180 days of not paying off the negative balance, after which the balance will be sent to collections. They alerted me they will charge any additional funding sources I have on my account if they can not access the funds from the debit account I previously had on my account. I am asking the CFPB for help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ] and followed up on [ XX/XX/XXXX ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB LAWSUIT. Highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelles failed to investigate my claims adequately.They formed me recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPBs findings incite that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was totaled and my insurance paid ( Lintegrity loan company ) the value of my car but I had a remaining balance of {$2600.00}, On XX/XX/2023, {$1800.00} was reported as charge off on my credit, I reached out to Lintegrity company to because the information stated was incorrect I was informed by the rep to file a complaint to get it off being as they didnt inform me I had to pay off my remaining balance within 60 days of previous insurance payment.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a company AMSHERCOLLECTIONSERVICES reported an erroneous amount on my credit report of {$63.00} saying it was from XXXX. 

I made contact with the company, XX/XX/year> and the XXXX thing they said asked for was my social security number, because they couldn't find anything under my phone number. I refused to give that to them as I said I did not even know who they were. XXXX then asked for any alternative phone number which I gave her XXXX. She still couldn't find anything and then asked for my name. I gave her my name and then she said she text her manager. All of a sudden she miraculously found my info but it was under my Business name. I bet she jusXXXX XXXX the phone number I gave her. Then she tells me they no longer are handling the issue it is a law firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then the line went blank. I attempted to call back, but you could tell it instantly routed my call a different way and then after a brief period of hold it sent me to an answering machine. 

You can look up both companies with XXXX searches and see it is a group scam they are running. I am in XXXX XXXX and these types of outfits need shut down. How can they just put fake credit marks on someone's credit report. Now I have to fight to remove that from my previously stellar XXXX credit score as their claim has dropped me to a XXXX. 

The call was recorded and told to them at the beginning of such and I can provide this if needed. 

Company AmSher Collection Services , Inc . 
Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX number listed that I called ( XXXX ) XXXX website for the company that reported. 
https : //www.amsher.com/ I have made no contact with XXXX XXXX as when doing research they have an F rating on XXXX and appear to be part of this Scam Here is there XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these attached erroneous accounts. However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How in the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the attached items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Mortgage

Caliber Home Loans Servicer Alleged Owner = XXXX XXXX XXXX as Nominee for the LSF9 Master Participation Trust Caliber Home Loans statement XX/XX/XXXX has  a transaction backdated to XX/XX/XXXX! 
Amount back and forth {$40000.00} Mortgage payment and payment reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I applied for an American Express Everyday credit card. I did the application online and was approved immediately. The credit card offer I applied for and was approved for was spend {$2000.00} within 90 days and receive XXXX membership rewards. I did charge the {$2000.00}, in under 60 days and have already paid {$1200.00} of the charges and have a pending automatic payment on the card. I called into XXXX on XX/XX/2018 to confirm I had met the spend requirement and to find out when my welcome bonus would post. XXXX informed me that upon further review they were denying my welcome bonus. I asked to speak to a supervisor, and I spoke to a man named XXXX. He said in their terms and conditions they had the right to deny me the welcome bonus for various reasons. They claimed I had abused XXXX welcome bonuses in the past. This is simply not true and I feel like they did a bait and switch offer. Had I not been eligible for the bonus, they should have told me that upfront rather than after I met the spend requirements. They kept citing the terms and conditions of the card, but there are no specific rules, instead they say it's at their discretion. That is a completely unfair practice and it's completely arbitrary on how they implement the rule. They essentially said we're required to keep a charge card that has an annual fee forever or they will ban consumers from receiving future welcome bonuses.
Product: Credit card

I applied for a Citi Aadvantage card that had a XXXX Aadvantage mile bonus applied after spending {$5000.00} on the card. I did that and I never got the bonus. I called and they said I didn't qualify because I got a bonus less than 4 years ago. I told them they never mentioned that before allowing me to apply. I didn't need the card as I have lifetime gold status on XXXX XXXX and they should have warned before applying that I would not get the bonus. At that time I also asked for details on when I last got a bonus in the past 4 years, but they never sent me that information.