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

So I did 3 disputes to all 3 Credit Bureaus ti have this fraudulent charge account removed from my credit report and my spouse. The already messed up and reopened the Charge off account on XX/XX/XXXX on my XXXX report and the reporting me have a Current Auto Loan with a MISSED PAYMENT as of XXXX XXXX XXXX notice this account was charged off and closed XXXX XXXX XXXX and my documents on my other complaint shows you the proof. So this complaint is for my XXXX my credit score and report a dispute code was Added and removed by Ally Financial on XX/XX/XXXX which updated today XX/XX/XXXX where the put on my credit report for XXXX once again which dropped my credit score from a XXXX to a XXXX which is terrible a XXXX points decrease and they have changed the codes 3 times since XX/XX/XXXX ruing my CREDIT and they have on XXXX. Yesterday XXXX I called Ally Financial several to be hung up on, transferred, and each representative refuse to give me the charge off paperwork and XXXX was suppose to be handling this case she do not call back her supervisor wont call back and she said that she would have a supervisor which his name was XXXX email documents on this account and he never called or emailed them EVERYBODY is refusing to to call back, answer the phone, and refusing to give me the charge off documents on this FRAUD ACCOUNT that should have been DELETED back in XX/XX/XXXX. This is my second complaint in 2 days different Credit Bureaus. I am tired of this COMPANY they have DESTROYED my CREDIT and something needs to be done. The FCRA violation that will be brought again them is reopening a charged off account and reporting that I have a current missed payment will be ENFORCED and dealt with through the appropriate channels on this HORRIBLE financial company that should be OUT air BUSINESS. I am going to take ACTION soon for FCRA VIOLATION this account NEEDS to be DELETED off our credit remand you need to FIX this MESS NOW. Ally Financial you will get your day for ruing my CREDIT on my XXXX REPORT because of your remark code you have dropped my credit score on XXXX from a XXXX to a XXXX twice this month which is a XXXX points decrease because of there REMARK CODE..ALLY FINANCIAL you ruined my CREDIT and you are going to have to PAY for this in the long run.
Product: Debt collection

I replied back within the 30 day window for debt validation according to the letter LVNV funding does not own this account its being serviced by Resurgent Capital. I sent everything through Consumer Financial protection bureau and I have a copy of the reply from Resurgent Capital whos managing this account. I requested proof for documents Resurgent Capital who owns this account stated communication about this account would be ceased and nothing will be reported to the credit bureaus Of LVNV is not removed from credit file in XXXX business days I will file a lawsuit against this fraudulent company. I will be suing for improper use of account, no debt validation was done as I replied within the 30 day window. And I will sue for punitive damages. I just reached out to my attorney on the next steps. And I just forwarded my attorney the copy of the response I receive from the Consumer Financial Protection bureau. I will have LVNV XXXX down and investigated on every account they have in office and file a class action lawsuit. Let me go online and start a petition to get this ball rolling. I will post the petition and see if we can get a class action lawsuit for improper use of credit report, improper debt validation from a junk buying company. I would like for the XXXX XXXX XXXX shut this business down immediately.
Product: Credit reporting or other personal consumer reports

Kickoff is reporting to all three credit bureaus that my account is in the negative.kickoff Inc placec delinquency on my account. Causing great damage to my credit and personal life.
Product: Credit card

I applied on the phone to upgrade my Chase card to the New Chase Platinum Reward card..I was assured that for XXXX dollars a year, I would receive many new befits including XXXX bonus points..I needed to spend XXXX dollars in the first 3 months..I spend XXXX, and still no points..So I call and they say I am not eligible ... that I was given misInformation from their employee ... .and I am ineligible for the bonus ... with no reason other than that I did not apply for the card..I have has this card for many months having applied on the phone and assured of the benefits before agreeing to a XXXX a year card over my free card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CB/WAYFAIR, XXXX/XXXX and XXXX XXXX.  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX CB/WAYFAIR,   XXXX/XXXX and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Student loan

I tried to contact XXXX in XX/XX/XXXX of this year and requested proof that the bill was due. I was a student there from winter XX/XX/XXXX until Spring XX/XX/XXXX when the semester ended. I was not made aware of any other classes needed to be taken and was even allowed to get my unofficial and official transcripts sent to three other colleges I attended since then. 

I was planning to attend a XXXX college this fall and to my surprise I could not get financial aid due to this issue. After speaking to the XXXX representative I was told a list of fees could be sent out to me yet I never received it. Then I reached out to Great Lakes where the loan was being collected and asked for a deferment form and it was not sent out either. So I contacted the Department of Education and asked for the signed promissory note. It came in the mail two weeks ago and while it had my name and a temporary address listed on the signature line my signature was not there only a host of letters and numbers.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX US Department of education XXXX XXXX XXXX XXXX - XXXX credit card Plus XXXX XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from XXXX XXXX XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of my recent attempt to remove fraudulent items from my account. Despite my initial communication and subsequent efforts to rectify this issue, it appears that the fraudulent charges remain unresolved. 

I first discovered unauthorized transactions on my account and immediately reported them to your institution. I followed the necessary steps outlined by your fraud department, providing all relevant information and documentation to support my claim. However, to my disappointment, it seems that my efforts have not resulted in the removal of these fraudulent charges. 

Despite my initial attempt to address this matter, I was dismayed to discover that the fraudulent items had not been removed from my account. Consequently, I reached out again on [ date ] to reiterate the urgency of the situation and to request immediate action. Regrettably, I find myself in the unfortunate position of having to bring this matter to your attention once more. 

The continued presence of these fraudulent charges not only poses a significant financial burden but also reflects poorly on the security measures and responsiveness of your institution. As a customer, I expect a swift and thorough investigation into any instances of fraud, as well as timely resolution to protect my account and financial interests. 

I urge you to prioritize this matter and take the necessary steps to promptly remove the fraudulent items from my account. Additionally, I request transparency throughout the process and regular updates on the progress made towards resolving this issue. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent charges on my account. I trust that you will take immediate action to address this matter and prevent similar occurrences in the future. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Product: Money transfer, virtual currency, or money service

Im formally expressing my concerns regarding Zelles handling of disputed, 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 Zelle failed to investigate my claim adequately. They informed me that recovering list funds was impossible and that tracking these transactions was unfeasible. CFPD findings indicate that Zelle not only neglected to protect customers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unaccredited raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and realized I had damage to my credit report According to 15 U.S.C.1681their should be no reporting definition to my carcter
Product: Money transfer, virtual currency, or money service

I would like to receive a reimbursement from cash app. Ive been overcharged on money transfers etc.
Product: Credit card

Back in XXXX I applied for a Capital One credit card to be sent to an address I was living at the time. However, I relocated before receiving and activating the credit card. Months later I was notified that the card was being used. I reported the card as stolen at the XXXX XXXX XXXX XXXX in XXXX, and even called Capital One to let them know I wasnt in possession of the card. i was alert by the credit bureaus that an account was reporting negatively on my credit history as a charger off account which means the already get paid for i. i called capital one and inquired about it and i was told to pay the amount and it will be resolved, the representative didn't get me to the right person to dispute the inaccurate charges because i didn't know who to talk to and i didn't know anything about credit at that time and so i just did what i was told to pay for it. I had no idea at the time I should have disputed the charges, nor did I know how or was informed as to how to go about having it done. Fast forward to a few years later my phone was stolen with my Drivers license, SSN card and some credit card. someone tried using the XXXXXXXX XXXX that was downloaded on the smartphone that was stolen. I also reported this incident to the police on XX/XX/XXXX. I sent an FTC report to the credit bureaus and Capital One. I was then told they would investigate and have the report removed from my credit. I even asked them to provide me with the original document with signatures, and transaction history used to make payments with my card so I could dispute the claims. They refused to provide me with the original copies of the transaction history that were used. This issue is not only threatening my credit but damaging my reputation and identity. These purchases were not done by me and therefore falls under identity theft. I refuse to accept the penalties for something I did not do. I have been disputing this capital one charge for the pass three years both capital one and the the credit bureaus have history of me doing the disputes. I would appreciate those charges removed from my credit. Please, I am asking for an urgent look into this ongoing situation. i even told the credit bureaus and capital one if the need any clarity about what's going on to contact the detective that's on the case for further information and no one calls him. It has been years, and I am ready to be clear of the damages caused. This is bad business what capital one is doing by not resolving by removing these charges and each time they send out a letter with a number for me to contact them if i have questions when i call i keep getting the run around or no one answering even with the extension number that is attach with the phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the cars which I leased was a total loss ( XX/XX/XXXX ), and my insurance company paid the lease holder off in XX/XX/XXXX. The balance due according to my lease holder was {$890.00}, which I received a letter in XX/XX/XXXX, I immediately paid the amount owed ( check # XXXX dated XX/XX/XXXX ) payable to the lease holders ' collection company. So the account was paid-in-full per the lease holder on XX/XX/XXXX that's the date they say they cashed the check. I show they cashed the check and it posted to my account on XX/XX/XXXX. Regardless, the Lease Holder reported an I-09 entry against my credit which means " Outstanding balance due/Collection Charge Off '', I feel this entry is incorrect and severely harms my credit rating as it does not rise above 700 FICO median score because of this inaccurate reporting. I have spoken to the Lease holders ' Loan department over 11 times ( XX/XX/XXXX through XX/XX/XXXX ), and have written their Credit Dispute Team in XXXX XXXX, Iowa twice. The first time ( XX/XX/XXXX ) they responded in 1 week ( XX/XX/XXXX ),  with " that they have reported the credit incident correctly '' and the 2nd time I wrote them ( XX/XX/XXXX ), I still have not gotten a response. This has really gotten out-of-hand I need a resolution with the verbiage as defined, and with this false reporting and the I-09 remarks off my credit reporting record.
Product: Debt collection

Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EXPERIANS duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payment results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2020. The credit inquiry is not my credit inquiry and was not authorized by me.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw account reporting that I DO NOT recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation on a bankruptcy reported on my Experian file under my social security number which they responded their provider has confirmed the accuracy of the information, and yet when I requested the method of the investigation and the source of the information provide for over a year Experian has refused to provide that information even though I opened a complaint with CFPB ( Complaint # XXXX ) and they just responded again with a predefined response without providing information about the method of investigation and the detail of the information provider. 
I also included a copy of the court response letter which they completely ignored to consider. 
Experian is in violation of my FCRA rights and must provide the details on the source of the information they include in my Experian report as per FCRA.
Product: Credit card or prepaid card

I received a letter from Navy Federal Credit Union dated XX/XX/XXXX, which indicated that my credit card balance exceeded my approved credit card limit. They requested that I remit a {$260.00} to bring my account balance within my approved credit limit. The problem I have with Navy Federal is that I have never gone over my approved credit limit. In this particular case I had at least {$400.00} ( or a little more available to use ), I made 3 purchases two on XX/XX/XXXX, and one on XX/XX/XXXX all below or NOT OVER the credit limit. On XX/XX/XXXX, Navy Federal charged 3 times interest for purchases, transfer balance and interest ( {$10.00}, {$250.00}, & {$4.00} ). My concern is not these amounts or the interest as I know this has to be done. But it put my credit limit over and this is NOT my fault - I stayed in the limit and not over but when Navy Federal added in the interest it went over and it looks like its my fault and this is reported to the credit reporting agencies and this is not fair. 
I called Navy Federal with my concerns and received no satisfaction other than the fact they said the " overlimit '' would be reported. 
This I feel is an abuse and an unfair practice. Requesting assistance in this matter.