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

Subject : Urgent Formal Complaint Against ELAN/SouthState Bank for Failure to Respond to Credit Dispute Dear CFPB, I am compelled to file this formal complaint against ELAN/SouthState Bank due to their blatant disregard for federal law, specifically their failure to respond to a credit dispute letter I sent on XX/XX/XXXX. This neglectful behavior is not only a violation of my rights under the Fair Credit Billing Act but also poses a significant threat to the accuracy and integrity of my credit report. 

The account in question, ELAN/SouthState Bank , with account number XXXX, has been inaccurately reported as late for the following months : XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Despite my timely and documented efforts to dispute these inaccuracies, ELAN/SouthState Bank has failed to adhere to the legally mandated 30-day response period. This flagrant violation of 15 USC 1666 ( b ), which mandates that periodic statements be mailed no later than 21 days before the payment due date, can not be overlooked. Additionally, this failure constitutes a breach of my rights under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), which explicitly prohibits the inclusion of unverified and incorrect information in consumer credit reports. 
I am formally demanding that ELAN/SouthState Bank immediately provide documented proof of their compliance with federal regulations, including evidence that each periodic statement was issued within the legal timeframe. If they are unable or unwilling to comply with this request, I insist that the incorrect late payments be expunged from my account and removed from all consumer reporting agencies, including XXXX, XXXX, and XXXX. 
Failure to address this issue promptly will leave me with no choice but to pursue further legal action and seek all available remedies, including but not limited to filing additional complaints with relevant regulatory bodies, seeking statutory damages, and considering civil litigation. 
It is imperative that ELAN/SouthState Bank rectify this situation without delay and update my account to reflect a positive status. Please forward any changes to my account to the address provided above. I expect prompt action and a satisfactory resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX , US BKPT CT XXXX XXXXXXXX Reference # 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 furnish an 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 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

To Whom It XXXX Concern, I am writing to formally dispute the amount of debt reported on my credit profile regarding a loan from United Auto Credit Corp. The amount reported is {$8800.00}, which is incorrect. 

This debt has been charged off to collections, and I believe there has been a mistake in the reporting process. I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit profile is either updated with the correct amount owed or that the United Auto Credit Corp entry in the amount of {$8800.00} is removed entirely from my credit report. This correction must be made with all three credit bureaus. 

It is illegal to maintain inaccurate information on my credit report, and this error is negatively affecting my credit score and trustworthiness. I have documentation supporting my claim, including statements and correspondence with United Auto Credit Corp, that I can provide upon request. 

I trust that you will address this matter promptly to ensure the accuracy of my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an ongoing issue with the reporting of information on my credit report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). I previously submitted a complaint on XX/XX/2024 regarding the investigation of an account listed on my credit report. Despite my efforts, the problem persists, and I am deeply concerned about the accuracy and consistency of the information being reported. 

Furthermore, I have explicitly opted out from sharing my information with the creditor in question. However, it has come to my attention that my information is still being shared without my consent, which is a direct violation of my privacy rights. 

Under the FCRA, it is clearly stated that inaccurate, incomplete, or unverifiable information must be removed or corrected promptly. Moreover, the law mandates that the information reported across all three major credit bureaus must be accurate and consistent. 

The crux of my concern lies in the inconsistency between the responses from different credit bureaus. XXXX has acknowledged the inaccuracies in the reported account and has taken steps to remove it from my credit report. However, Transunion has asserted that the account was updated, which directly contradicts XXXX 's findings. This discrepancy raises serious doubts about the reliability and integrity of the information being reported by these agencies. 

Attached you will find Transunion 's response stated the account was updated that a change was made, attached you will also see XXXX 's response as the account was removed. What is true? Transunion has asserted that the account was updated, which directly contradicts XXXX 's findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit because i want to buy a home and am a XXXX veteran and noticed there is an account on my credit that doesnt belong to me
Product: Credit reporting or other personal consumer reports

I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX XXXX  In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies affecting my creditworthiness. I am requesting the credit bureaus to investigate and rectify these errors promptly. The account details requiring verification are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my FICO score lowering it from XXXX to XXXX. According to the report, a company named XXXX XXXX XXXX ( XXXX ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with XXXX days current in arrears. 

On XX/XX/2023 I connected with Transunion to dispute the recording who disclosed to me that they could not share the XXXX account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with XXXX who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. 

The numbers I called in an attempt to resolve this matter are : Transunion XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My issue is with Experian and Transunion. I had XXXX late payment and Experian dropped my credit score by XXXX points. Transunion dropped it by XXXX points. When I contacted Experian they said they would try to investigate the issue, but XXXX days later transunion dropped my score to match the Experian score, despite me having a 100 % payment history.
Product: Credit card

On or about XX/XX/2024 several questionable charges were made to my Well Fargo credit card account. I immediately reported these claims as not authorized. Wells Fargo canceled my card, reversed the charges, and sent me new cards. Today, XX/XX/XXXX, the charges reappeared. I called and spoke to someone in their fraud department. They said my claim was denied because the charges were made in my son 's name on XXXX XXXX. I confirmed with my son that he did not make these charges and did not have my credit card. He has no reason to make purchases for flights on XXXX XXXX. This is a fraudulent charge, there were others made at the same time and Wells Fargo accepted these. Well Fargo told me I needed to provide additional documentation, but was unable to explain what possible documentation I could obtain showing that a purchase was not made. They transferred me to another department that did not answer their phone. The charge was from XXXX in the amount of {$2600.00}. The online website shows no details about this purchase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : I DO NOT HAVE A SOCIAL SECURITY NUMBER BUT ITIN 95 % OF THE CREDIT REPORT BELONGS TO SOMEONE ELSE NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX SERVICES SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX : XXXX XXXX XXXX XXXX XXXX {$8700.00} XX/XX/XXXX XXXX CARD ************ {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX CARD ************ {$4400.00} XX/XX/XXXX XXXX XXXX XXXX *************** {$2700.00} XX/XX/XXXX XXXX **************** {$2200.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX  **************** - XX/XX/XXXX XXXX XXXX************** - XX/XX/XXXX REGIONAL XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX ************ - XX/XX/XXXXXXXX XXXX XXXX XXXX*********** - XX/XX/XXXX XXXX XXXX DC ************ - XX/XX/XXXX XXXX XXXX **************** - XX/XX/XXXX MACYS/CBNA **************** XXXX XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

someone used my personal information to rent a apartment unit I was not aware of this company allowed this happen without any verify methods informed. I was not aware of this property until it showed up on my credit report I have never signed an agreement with this company and I have no knowledge of this account. I have reached out directly on numerous of occasions and didn't hear back from them
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. 
I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

A loan was taken out by an ex spouse. The ex spouse listed my information as a co-signer. 

We were divorced and part of the final decree was that she be solely responsible for the debt. 

I contacted the loan servicer ( Nelnet ) and was given an email to forward the final decree to so that they could remove me as a cosigner. I emailed them on XX/XX/XXXX to have them remove my name as cosigner on the loan. They never responded and I have emailed them on XX/XX/2010, and XXXX with no response whatsoever received from them. 

I have also submitted a dispute to all three credit bureaus to have my name removed. They have " disagreed '' with the Judge 's final court orders according to the credit bureaus.
Product: Vehicle loan or lease

I got the loan. I only had the car XXXX months. It was being repaired when I first purchased it for XXXX months I was in an accident. I had full coverage insurance. Their insurance company paid the car and Im still being charged a balance with interest I would like for this information to be removed. also, the company keeps re-updating this information to Current on one of my credit reports. It shows that this was updated for XX/XX/XXXX and I first opened this loan in XXXX. Its actually XXXX years old so the dates are not being updated correctly as well
Product: Debt collection

I am not liable for this debt with pro collect a contract was not provided as requested
Product: Credit reporting or other personal consumer reports

This is a long standing dispute over a checking account whereby XXXX XXXX XXXX Bank XXXX XXXX person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for XXXX, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), Discover Bank sent me a letter stating that they will continue to report my checking account to XXXX after the statutory deadline, which is XXXX years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.
Product: Debt collection

XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$150.00} from back in XXXX.
Product: Money transfer, virtual currency, or money service

On day one i am contacted by the scammer via XXXX saying that he has got an employment offer for me. He talks and behaves like a hiring personnel, asking me questions similar to interviews. Later he says that I am hired and now the company will send me a check which will have a partial amount as my sign up bonus and another amount is supposed to be sent to vendors who will provide me with my work from home equipment. ( total check amount was {$3900.00} ) On the second day, I receive the check and as usual I go ahead and deposit the check using a mobile deposit method. Now, as per the bank procedure, the balance is made available on the third day. Then after the balance is available, the scammer again asks me to make the disputed transaction via XXXX ( {$700.00} XXXX and XXXX ( $ XXXX {$1500.00} ). I follow innocently. 
On the fourth day I received a notification that the check had been returned and so I contacted the scammer again to know what went wrong. I am not given a fruitful explanation and rather I am told that I will receive another check to compensate for the inconvenience. 
This is the whole scene. For your reference and as a proof, I can also attach the XXXX  chat backup which I took. Please be considerate enough to look into my case. I am an XXXX  XXXX  here and this is something very scary. I request you to please be lenient and help at your best.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery, I requested the XXXX to be mailed to me and Ive received nothing in return. They have been calling me repeatedly but no one can send me the exact paperwork I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans DPT EDXXXX XXXX US DEPT ED? ??? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Letters were sent on XXXX/XXXX/2021, XXXX/XXXX/2021, XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # 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 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 A Section 2 : it also states the a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I submitted a proper ECF for public service loan forgiveness on XX/XX/2022. The ECF was denied and I was never given a reason why. Had the ECF been approved I would have had over 120 qualifying payments for PSLF. My lender, Mohela will provide no explanation for the denial.
Product: Credit card or prepaid card

I received a notice from one my credit monitoring services on XX/XX/XXXX that Discover had closed my credit account of {$11000.00}, unbeknownst to me. When I contacted Discover, they stated they closed the card " due to inactivity ''. The last purchase on the card was XX/XX/XXXX, and payments were still being made on the card in XX/XX/XXXX. They also stated they sent a notice of this closure in XX/XX/XXXX and that it would be available in my account inbox. This notice does not exist and it was never sent. When I contacted Discover by phone they then stated that their " terms do not specify the amount of time an account must be inactive '' and they reserve " the right to close at any time ''. Though the Discover representative on the phone was unable to point me to a location where I am able to view those terms in writing, he insisted I had no options except to " re-apply for another line of credit ''. Not only have they just just sucked {$11000.00} out of my credit balances, their only offer is for me to add another hard inquiry to my report. This is outrageous. And again, with no notice to consumer beforehand.
Product: Credit reporting or other personal consumer reports

I've been trying to dispute a collection in my Experian credit report, which should not appear in my report. The collection is for XXXX of XXXX XXXX, and the alleged debt occurred during the pandemic. I submitted XXXX claims, and every single time, they would state that the record was updated, but no changes to report were made. 

The claims are the following : Claim 1 : Report number : XXXX, Investigation ID 01, Date opened : XX/XX/2023 Claim 2 : Report number : XXXX, Investigation ID 01, Date opened : XX/XX/2023 Claim XXXX : Report number : XXXX, Investigation ID N/A, Date opened : XX/XX/2023 On the week of XX/XX/XXXX I sent a letter requesting the method of verification for the claims above. A claim was opened to address my method of verification request on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received any response on how they verified the validity of the item in my credit report. 

On XX/XX/2023, I received an email from Experian stating their verification process and that they will look at all relevant documents to make decision. That emails does not meet the requirements under FCRA 616. They are willfully non-complying to the letter of the law, and this is affecting my financial health and my opportunity to get loans with the interest that I deserve. 

I will sending them a letter on Monday XX/XX/XXXX, to request the item removed from my credit report or I will proceed with a lawsuit.
Product: Student loan

I have XXXX issues I 'm dealing with per my student loans, the first issue is regarding late payments being reported while, my loan was transitioning to another lender and this issue is putting a big affect on my credit. I contacted XXXX whom advised they would updated the information on their side, however, the late payments are still showing on each credit bureau profile. The second issue was when i applied for lower payments and I was given a forbearance for a year with out lower payment amount. This is not helping me because these loans are atill gaining interest while in forbearance. Can you assist in my two request?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve the problem with no results. XXXX XXXX XXXX is a collection agency which is not licensed in the state of California and is illegally trying to collect a debt. I have a complaint on file and it was not satisfactory XXXX. The response from XXXX XXXX was unacceptable. CFPB closed the file accepting the response from XXXX saying licensing is delayed. That is totally illegal. Collection agencies must be licensed properly before harassing and sending threatening letters. That's like a consumer or a driver not having a license, if detained that driver is fined. I am requesting all of the data collecting companies XXXX XXXX, XXXX and Equifax along with the other data XXXX XXXX, XXXX and the others remove this data from my consumer credit reports immediately. Above all permissible purpose was not given by this third party to report my information.