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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations attached is the date and time of this fraud transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and Trans Union and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( Trans Union and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Product: Mortgage

This is my second complaint. Chase/XXXX denied any wrong doings in regard to my home modification/servicing my home modification. The response was expected since banks have paid billions in fines already. With that being said, I have documentation that Chase forgave over several thousands ( Dodd-Frank Certification ) meeting all criteria for the ( MHA ) signed by Chase. This reduction was never incorporated in my home modification. What is not clear is why Chase " deferred '' XXXX as part of the loan modification. Any intelligent banker reviewing my modification would respond " you call this a loan modification? During this period, I was informed by Chase/Seterus to quit making payments so I could qualify for some federal assistance program. Boy, was that a mistake. Every time I discussed my issues especially with Chase they gave different and conflicting info. They never provided their full name or phone number. I talked with several reps across the country and they never took notes or returned my phone call. Soon, that became the norm. I wanted to talk with the same rep on a regular basis who was familiar with my situation. I would like to see/verify the additional following responses : Who has the deed to my location? Chase filed a discharge in XXXX 2014 almost three years after modification..Why is that and does Chase still have any involvement or are they working with XXXX? What did XXXX pay for the loan transfer from Chase? Also, Chase utilized attorneys from XXXX, Michigan ( XXXX XXXX XXXX ) to strong arm me utilizing tactics to foreclose rather than make arrangements for me to keep my house. Again, the numbers from Chase/XXXX XXXX XXXX are completely different and do not match. Why is that? I went thru a modification and it ended up costing me more and destroyed any credit rating I could have obtained. Did XXXX review any of the loan modification paperwork prior to purchasing/servicing same? Since XXXX does not make loans, it is more convenient for them to foreclose and make more money. If XXXX does own the loan, why is Chase still on all documents? I am current on my payments presently but I can not guarantee that will continue in the near future unless I get assistance, a principal reduction and a lower interest rate. I retained an attorney to look into this matter but he was " stonewalled '' at all inquiries. He was also very expensive. I am thinking about notifying my XXXX to look into this matter and resolve these issues to my satisfaction and ensure that all processes were legal. I also want to inspect at least XXXX document from Chase in reference to my modification. XXXX had me fill out these apps in detail and always requested something else. With each app submitted the numbers always changed. The final document which was signed was under duress and with a sense of urgency by Chase. I never knew from one moment to the next if that would be expected. Again, I standby my initial accusation that both XXXX & XXXX ( active participant ) and Seterus ( passive participant ) both committed collusion/fraud and I can prove it. Thank you and I will be awaiting your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTO LOAN : XXXX XXXX XXXX {$9700.00} this account was closed because it past ( 5 yrs 2 mos ) since the date it's opened XX/XX/XXXX Already past the statute of limitation in CA according to the law and consumer 's right 's under the law. now I see this AUTO LOAN Account re opened again after it was closed, that does't make any sense, also violating the consumer 's right 's under the law, I Called transunion credit bureau four times to help me to understand what's going one with this account 's, unfortunately No clear answer was give it to me, My credit score has been damage a lot causing my credit drooped XXXX points down this month XX/XX/XXXX under section : missing monthly payment 's according to My credit report monthly checked online, Please I need cfbf contact transunion credit bureau to investigate and I request from transunion credit bureau to remove this AUTO LOAN : XXXX XXXX XXXX because it doesn't belong to me based on identity theft happened to me before. 
dispute FILE NUMBER : XXXX for My Case in transunion credit bureau.
Product: Debt collection

in have told him and when I mean by him is the person from skokpos financial llc that the car never lived at my residence and the address on file was not my residence and I have proof that I Never lived there.i even try a few years ago I try to resolve the issue but they will not> so my brother gave me this site to tell my story
Product: Credit card

There were two balance transfer transactions on my account on  XXXX / XXXX /  XXXX   that I did not request. The amounts are {$4200.00}, and {$1000.00}. There balance transfer fee is {$150.00}.
Product: Credit card or prepaid card

There is Fraud on my Keybank XXXX credit card. There are charges stemming from XXXX, XXXX, and XXXX of XXXX  totaling about {$1600.00} including interest totaling almost {$1700.00}. I notified KeyBank of this matter, and they temporarily adjusted my account the fraud charges that I claimed to them that I did not authorize. As of XXXX, they put the fraud charges back on my account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company talked to them so they were the fraud department was going to contact me still have not contact me it is not my account I did not open that account and I would like it to be taken off
Product: Debt collection

I do not have a contract with AFNI. I am not liable for collection. This debt is from XXXX XXXX XXXX. This debt is also 7 years old and pass the PA statues of limitation. I am not responsible for this debt. It is for {$1500.00}. I filed complaints with the credit bureaus and will also be filing a complaint with the XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ADDED THIS FRAUD ACCOUNT ON MY CREDIT AND SHALL DELETE BY LAW. 

THIS COLLECTION FRAUD ACCOUNT NUMBER IS XXXX WAS OPENED WITHOUT MY KNOWLEDGE AND HAVE A BALANCE OF {$170.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' DEPT OF ED / NELNET is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agency DEPT OF ED / NELNET do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to DEPT OF ED / NELNET, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. DEPT OF ED / NELNET is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of DEPT OF ED / NELNET reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX XXXX XXXX, XXXX and EQUIFAX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with EQUIFAX and XXXX who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give EQUIFAX or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from EQUIFAX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account Info Account number XXXX Account status Closed Date opened XX/XX/2015 Account type Credit Card
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on my credit report regarding the XXXX XXXX account associated with the account number referenced above. According to the report, this account was allegedly opened on XX/XX/year>, with a reported balance of {$260.00}. However, the highest balance being reported is XXXX. I do not acknowledge this account as mine, and the information being reported is incorrect and inconsistent. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information on my credit report.I respectfully request that XXXX XXXX take the following actions : investigate the account to verify its accuracy and, if found to be in error, remove this account and its associated balance from my credit report entirely. According to the FCRA, 15 U.S.C. 1681i, XXXX XXXX is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under 15 U.S.C. 1681s-2 ( Section 611 ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. I trust that XXXX XXXX will address this matter promptly and ensure that my credit report accurately reflects my account status. Please provide a written response to my dispute within the legally required timeframe.
Product: Mortgage

XXXX was my previous complain where i cleared mentioned that my negative payment was reported to credit agency and i never talk about consumer reporting. 

could you please just be specific and clearly send me letter that you have reported all credit beauro to remove late payment mark .. 
in last response you said you did for XXXX only .. so can you please provide me response with all credit reporting agency. 

and also this is my 3rd complain for same thing and i dont get answer just story .. 
please look my previous complain and let me know if you requested to remove from all credit agencies or not?
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance regarding a XXXX account that has been on my credit report for over seven years. According to the Fair Credit Reporting Act ( FCRA ), negative information should not remain on a credit report beyond seven years. Despite my multiple requests for deletion, XXXX continues to refuse action, and this outdated account is adversely affecting my credit score. I urge you to investigate this matter to ensure compliance with FCRA regulations. It is essential that this issue is resolved promptly to mitigate further damage to my credit standing.
Product: Debt collection

I have debt collection on my credit report from CERTIFIED SERVICES worth {$500.00} which I am not responsible for due to the fact that I was involve in an incident where I was the victim and needed medical attention back in 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, VW CREDIT has violated my rights. Regarding alleged accounts # XXXX, 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Debt collection

Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' WELLS FARGO DLR SVC/ Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 1 yr, 7 mos ) Term 72 months Payment History Youve made 78 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times 30/60/90 days late 2/1/1 Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I contacted the company in question ( Allied Interstate LLC ) stating that I need proof of any signed agreements/documents for this debt in question. I haven't received any responses back from this company and I wish to dispute this claim. I am a victim of Identity theft and had a lot of my finances and information stolen as of XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Reporting Error & Notice of Potential Liability for Negligent Noncompliance ( 15 U.S. Code 1681o ) Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and noncompliant with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for negligent noncompliance. 

Upon reviewing my credit report, I have identified the following discrepancies : 1. [ Describe the error or inaccurate iteme.g., incorrect account information, late payments, etc. ] 2. [ Explain why you believe the item is incorrect, i.e., mistaken identity, paid debt, etc. ] Under 15 U.S. Code 1681o, you are required to ensure that the information reported to consumer reporting agencies is accurate and in compliance with the FCRA. Your failure to investigate or correct this inaccuracy in a timely manner could subject you to civil liability for any damages incurred due to this negligence. 

I request that you immediately investigate this dispute, as required by the FCRA, and provide me with written confirmation of your actions. If you are unable to verify the accuracy of the disputed item, I request that it be removed from my credit report in accordance with federal law. 

Please respond within the time frame specified by the FCRA ( 30 days from the date of receipt of this letter ). Failure to correct or adequately investigate this issue will leave me with no choice but to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies for any damages caused by your negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving a response from you as soon as possible. 

Sincerely, XXXX XXXX