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

I've submitted three complaints with no response. the updated investigation is taking more than 30 days, I request that all three accounts be removed immediately following with a notice and update. please and thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized CREDITONEBK Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please Delete Immediately .5Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX  XXXX Account Number : XXXX Please Delete Immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX XXXX : Demand for Immediate Removal of Child Support Obligations and Negative Credit Accounts To Whom It May Concern, I am the living man writing to express my vehement objection to the continued imposition of child support obligations as well as the presence of closed or negative accounts on my credit report, which I firmly believe are unjust and detrimental to my financial well-being. The negative impact these obligations and accounts have on my credit profile Account number [ XXXX ] is unacceptable, and I demand immediate action to rectify this situation. 

1. Child Support Obligations : The current child support obligations against my name are not only burdensome but are also unfounded based on the circumstances surrounding my case. I have consistently fulfilled my responsibilities, and any discrepancies should be reviewed and rectified. The continuation of these obligations is not only unjust but also detrimental to my financial stability and overall quality of life. 

2. Closed and Negative Accounts : I have recently discovered that several closed and negative accounts remain on my credit report, severely impacting my credit score. These accounts were either settled, paid off, or are inaccurately reported. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The failure to remove these inaccuracies constitutes a violation of my rights under the FCRA.

3. Demand for Removal : I hereby demand the immediate removal of all child support obligations and any closed or negative accounts that are inaccurately reported on my credit profile, XXXX, TransUnion, and XXXX. I expect a prompt response to this request, as my financial future hangs in the balance due to the unfair treatment I have received. 

4. Legal Action : If my demands are not met within 30 days, I am prepared to take legal action against all parties involved, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing a lawsuit for damages resulting from the negligence and unfair practices that have led to this situation.

I expect your immediate attention to this matter and look forward to your prompt acknowledgment of this letter. Please take this opportunity to rectify these issues before further action becomes necessary. 

Sincerely, By : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting these unknown accounts that are being reported in my report. These was opened by someone else using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just cant figure out whats going on and I also dont understand what it is that Im doing wrong, or what it is that Im not saying. Ive reached out to these creditors and was notified that theres been no investigation at all and youre just receiving an electronic response from them! I know that this isnt considered legal verification and that youre required to do your own investigation beyond what they submit to you. Wheres this info? Wheres this documentation? How was the investigation done? Who did you speak with? How can you prove to me that you didnt just parrot what they told you?
Product: Credit reporting, credit repair services, or other personal consumer reports

This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS XXXX XXXX XXXX XXXX ( XXXX XXXX
Product: Debt collection

Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid my XXXX credit card down. On XX/XX/2022, the credit bureau reported an incorrect balance. I have tried to make contact to dispute this information and have been unsuccessful. I am requesting an investigation. I would like the correct balance to be corrected and updated to my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove this fraud alert from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to XXXX XXXX XXXX to remove all addresses and names on my file that are incorrect and update my credit file with the correct information. XXXX   XXXX XXXX did not remove all the incorrect Names and Addresses on my File so XX/XX/2018 I sent another letter with a copy of my Driver License and bank statement and Social security Card. providing them with my correct information still no corrections completed on my file.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, did not consent to, authorize nor benefit from any of the following inquiries indicated on the attached Theft Report..
Product: Credit reporting or other personal consumer reports

Inaccuracies, inaccurate reporting by the company XXXX. This is fraudulent doing on behalf of these two companies. 

XX/XX/year> Reference number : XXXX - XXXX - XXXX Source - XXXX Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian and Trans Union been giving fosse information and links saying that theyll be able to help you out with loans its gon na be not gon na be no hard inquiry but then they do show up in your credit score now I have a high inquiry that wont let me get any loans but give me this information I also went ahead. Got my business account tried to run my EI number and because of those now its hard for me to get a business loan just for a start up and trying to do something to XXXX XXXX so I just wan na be aware these credit unions are doing, so thats why and hopefully you guys can help me out. Thank you. I appreciate it.
Product: Payday loan, title loan, or personal loan

Due to a series of financial difficulties caused by unexpected medical expenses and Hurricane Laura, I took out 3 loans with Blue Chip Financial dba Spotloan on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$1800.00}. To date, I've paid {$2300.00} to this lender, with the most recent interest rate being 460 %. 

I stopped payment to this lender in an effort to consolidate my debts with a debt consolidation company. This company did nothing to settle any of these debts so I cancelled my contract and, eventually, obtained a refund. Thereafter, I discovered that Blue Chip Financial is not a licensed lender as required by Louisiana law, that the interest rate charged exceeded legal maximums, these loans are " null and void '' ( La. R.S. 9:3518.4A ( 1 ) ), and this company recently settled 4 class action lawsuits involving the same issues I've identified here. I filed a complaint with the Louisiana Office of Financial Institutions who has now referred the matter to the Louisiana Attorney General 's Office.

The company responded to OFI and myself. The company offered to settle my outstanding {$800.00} loan for {$780.00} even though I've already paid {$170.00}. The previous loans were acknowledged, but the company did not offer to refund the excessive interest charges nor did it acknowledge that their fees exceeded allowable limits. Instead, the company continued to allege that they are not subject to state or federal regulation due to tribal immunity. This assertion is belied by the lawsuits settled XX/XX/XXXX. Moreover, the case cited in the email submitted concerns contracts arising under the Tribal Gaming Act and are therefore inapplicable to the instant matter.
Product: Credit reporting or other personal consumer reports

XXXX asked for a little more time from cfpb XX/XX/XXXX after the complaint was sent XX/XX/XXXX. They did a poor investigation and I disputed it again and havent heard back from XXXX  XXXX. I sent XXXX more complaints through cfpb XX/XX/XXXX no response yet. 


Dear CEO, Manager or Supervisor Re : Failure to Enter Required Notice of Dispute I am formally requesting that the following inaccurate information be removed due to violations of the Fair Credit Reporting Act FCRA ). 
Under Section 623 ( a ) ( 3 ), if a consumer notifies a furnisher of a dispute regarding the completeness or accuracy of information, the furnisher is prohibited from reporting this information to a consumer reporting agency ( CRA ) without providing notice of the dispute.

Additionally, when a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of reported information, the furnisher is required to : 1. Conduct an Investigation : Review all relevant information provided by the CRA and the consumer. ( Sections 623 ( b ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( B ) 2. Report Investigation Results : Notify the CRA of the results and, if the information is incomplete or inaccurate, notify all CRAs to which the furnisher reported the information.

( Sections 623 ( b ) ( 1 ) ( C ) ) 3. Complete the Investigation Promptly : Resolve the dispute within 30 days ( or 45 days if additional relevant information is provided ). ( Section 623 ( b ) ( 2 ) ) 4. Modify, Delete, or Block Information : Promptly correct or remove inaccurate information.

( Section 623 ( b ) ( 1 ) ( E ) ) Failure to comply with these procedures constitutes a negligent or willful violation of the FCRA. I reserve the right to seek legal action for violations under Sections 611 ( a ), 616, and 617 of the FCRA ( 15 U.S.C. 1681i ( a ), 1681n, and 1681o ). Relevant case law, such as Cushman v. Trans Union Corp. ( 920 F. Supp. 80, E.D. Pa. 1996 ) and Cushman v. Trans Union Corp. ( 115 F.3d 220, 3d Cir. 1997 ), supports this right.

I recently disputed the following inaccurate information with you. Upon reviewing my updated credit report on the 31st day after you received my initial dispute letter, I found that the required notice of dispute was not present. This is a clear violation of FCRA 623 ( a ) ( 3 ), and this information can not legally be reported.

Disputed Accounts : [ All 19 XXXX XXXX accounts ] I demand the immediate removal of the above-referenced accounts from my credit report. 
Additionally, I expect written confirmation that these accounts will be removed, from my credit report reflecting the removal within 15 days of the date of this letter. Failure to comply with these requirements will leave me no choice but to pursue further legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to Equifax and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been making payment to XXXX XXXX  for years they recently went bankrupt and closed stores. I paid over {$800.00} dollars for insurance on my furniture which is good until XXXX of XXXX. Well repairs have been in for my furniture since XXXX of last year and they still have not came out to fix my living room furniture. They should compensate me for the insurance since they are no able to fulfill their obligation which is around the same amount left owed on the account. It is only far because I have to go buy new furniture due to their furniture falling apart on me and them not fixing it even though I paid for the warranty coverage. They should refund me the warranty coverage amount since they can't fix my furniture.
Product: Checking or savings account

On XX/XX/XXXX, I received a quickpay with XXXX for XXXX that was deemed part of my " available balance. '' Later that day, I issued a quickpay with XXXX to another Chase Account in the amount of XXXX. 
The next day - XX/XX/XXXX, Chase informed me that the outgoing quickpay was returned, with a XXXX returned item fee. They explained the cut-off time scam in detail relative to my incoming and outgoing quickpays. I asked if I needed to resend the quickpay. One customer service agent, plus a manager, informed me that I needed to resend it. So I did. 
XX/XX/XXXX, I received an overdraft charge of XXXX based on the second quickpay, because the first quickpay was not returned afterall. 
On XX/XX/XXXX, I received a XXXX credit for the erroneous resending of the XXXX quickpay. 
On XX/XX/XXXX, I noticed that the original XXXX plus the additional XXXX were deducted and previous daily transactions were reordered chronologically to show they posted after the second XXXX was deducted, and 3 more XXXX overdraft fees were imposed. I called Chase and they said my " courtesy refund of fees '' were exhausted for the 12 month period and there would be no means of recourse, despite their instructing me that the initial XXXX was returned and needed to be resent. This is ridiculous. I don't care about the fees. I care about the intent behind their disinformation and subsequent maximized profiting based on their knowingly false information and instructions. I fully understand the cut-off time between different banks, and happy to eat XXXX for it ... But they have admitted the error, refunded a fee based on that, and found a way to earn an additional XXXX based on the same transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, # XXXX.