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

I am writing to request the removal of a charge-off account from my credit report. Below are the details of the account in question : { XXXX } Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX { XXXX } Account Number : XXXX Creditor Name : XXXX Status : Paid XXXX Full ( never late ) { XXXX } Account Number : XXXX Creditor Name : XXXX Status : Balance is wrong, the correct balance is {$790.00} { XXXX } Account Number : XXXX Creditor Name : XXXX Date of Charge-Off : XX/XX/XXXX { XXXX } Address listed on file is wrong and needs to be removed from my credit file, never reside at XXXX XXXX XXXX XXXX XXXX, VA XXXX { XXXX } Account XXXX : XXXX Creditor Name : XXXX XXXX Status : Collections I believe this account should not be on my credit report due to the account is inaccurate. 
Please review the attached documentation and update my credit report accordingly. I would appreciate it if you could confirm the removal of this account and send me a revised copy of my credit report once the update has been made. 

ACCORDING TO 15 U.S. Code 1692c YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS, PLEASE REMOVE THIS OFF MY CREDIT REPORT. 
THANK YOU
Product: Credit card

Please investigate these accounts that inaccurately portray me as late, despite my history of punctual payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. XXXX XXXX XXXX said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. XXXX XXXX XXXX still til today got in my credit score a 30 days late. Which it was never late.
Product: Debt collection

a loan was taken out in my name and there was no attempt to repay it.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. 
According to15 U.S.C 1666B The timing of payments creditors 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concerns regarding Zelles handling of disputes, particularly in the light of 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 claims adequately. They informed me that recovering lost funds was impossible and The tracking these transactions were unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. There is lacking of a accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit card

I am disputing a XXXX day charge that was on my credit report from Chase. I received a courtesy call from Chase 's customer support team on XX/XX/XXXX at which time I made an over the phone payment of {$270.00}. The customer support individual than proceeded to tell me that I would not receive a late notice on my credit report. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, to much to my aggravation a late notice was placed on my credit report and the auto pay program was never setup for my credit card account. 

On XXXX different occasions I called Chase customer service to see if we could resolve this late payment notice problem and I requested the support individual to pull up the call from XXXX XXXX to prove that this conversation had indeed occurred. I was then informed that they were unable to find that specific call which then I was transferred to another department and they proceeded to tell me the same thing and transfer me again to another department. Each department that I spoke with were unable to resolve removing the late payment notice on my report or find the original call from XX/XX/XXXX and each representative told me a manager would call me back about this issue but I never received a call from anyone. 

I send a letter to Chase 's Executive Office on XX/XX/XXXX and received a letter back dated XX/XX/XXXX which did not address any of my concerns. I call XXXX XXXX, the Executive Office rep, and never got a call back. I called again and finally reached XXXX XXXX and she looked into everything and was unable to find the call from XX/XX/XXXX and said that Chase does not feel that this is a bank error.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a vehicle, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX XXXX YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX. FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was the remaining items that I need to DELETE from my credit reports. Yet none, of the credit bureaus do the job well. And I was hoping that they will remove them like the way they did with my previous first request, however, they didn't and I am trluy hoping that the XXXX will REMOVE this account the way the bureau did, but no. Now, I'll sincerely ask the Credit Bureaus to once more please help me in removing FRAUDULENT ITEMS from my credit reports. Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : 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

To GM Financial. I am writing this inquiry to dispute account with GM Financial that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by GM financial the account was delinquent. I have now learned the following information from contacting GM Financial. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring GM Financial at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe GM Financial is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with GM Financial in good standing. The borrower turned the vehicle in early and again I was not notified by GM Financial of this situation. Information provided to me from GM Financial advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate GM Financial, my credit score is being unfairly impacted given GM Financial being made whole on the transaction. To this day I have never been contacted by GM Financial about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to GM Financial, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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.

TRANSUNION 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, credit repair services, or other personal consumer reports

Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with XXXX. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with XXXX right now through the XXXX website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.
Product: Credit card or prepaid card

XXXX is horrible, they sent me a letter saying I had 30 days from the date of letter in late XX/XX/2021 to verify my identity and send notarized copy of my social and ID and paycheck stub to verify my identity. I did so and was speaking with fraud department very unprofessional and uneducated about what they're talking about. Gave me the run around for a whole week. I was speaking to a rep yesterday whom said they would call me back. NEVER got a call back never got email. But today when I called they informed me that they closed my account for unknown reasons ... .This is a BIG WASTE OF TIME and messed up my business and suffered a loss and was in XXXX handling business and wasn't able to conduct business properly this is unacceptable. I just got off the phone with them and the rep lied and said I didn't summit docs I did. 
I responded back in a timely manner and no communication was given or reason of why account has been closed. 

Rep was clueless and didn't allow me to speak to a rep.

Rep also was rude and didn't help me AT ALL I lost money, but most importantly time and was stuck in XXXX thanks to XXXX. 

I sent email to XXXX XXXX XXXX as well still waiting on response.
Product: Checking or savings account

I am writing to formally file a complaint regarding an issue I am experiencing with Capital One. Recently, they have been withholding my direct deposit, which has caused me significant financial hardship. 

Due to the withholding my check on XXXX XXXX, I have been unable to access the funds necessary to cover my essential living expenses, leading to the accumulation of late fees on my bills and negative impacts on my credit score. Despite my efforts to resolve this matter directly with Capital One, I have not received any satisfactory explanation or timely resolution. They are now saying that some accounts might not be resolved until after the holidays.

This situation is causing me undue stress and financial strain, and I am seeking your assistance in addressing this issue. I would greatly appreciate your intervention to ensure that Capital One processes my direct deposit promptly and provides a clear explanation of why my funds have been withheld.

Thank you for your attention to this matter. I look forward to your guidance and support in resolving this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, XXXX XXXX XXXX XXXX ( XXXX ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from XXXX stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called XXXX to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup XXXX false information because Ive always had XXXX and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with XXXX and Experian but they sided with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  account # XXXX, is reporting a date of last active on XX/XX/XXXX on experian and on XXXX its reporting the same account # XXXX of a last active date on XX/XX/XXXX, and XXXX  dont have no repot of it at all please remove and delete from my report XXXX XXXX XXXX account # XXXX, from all of the credit bureau asap cause its hurting my chance to get a loan thanks
Product: Student loan

I received notice over the summer I was going to have to start repayment on my student loan. Borrower defense told me since my discharge is pending that I wouldn't be billed because I won't be responsible for payments until the discharge is complete. I haven't been able to get a straight answer from student aid of nelnet on any of this but put my account into forbearance on my own until nelnet got notice from student aid to put it into forbearance. Since then they did get notice and put the account into forbearance but are saying I have a past due balance and a payment coming up despite the fact that I shouldn't have been billed in the first place. This is going to cause problems for me financially if they keep billing and marking me delinquent.
Product: Credit reporting or other personal consumer reports

I AM DENIED CREDIT BY EXPERIAN CREDIT REPORTING SERVICE, XXXX XXXX, XXXX XXXX XXXX  & XXXX PREPAID  DEBIT CARDS, XXXX  XXXX XXXX & OTHER BANKS & CREDIT REPORTING SERVICES. THE ATTACHED ARE PAID IN FULL, OR DEBT RELIEVED AT TIME OF SERVICE. 
XXXX XXXX XXXX OF FLORIDA, XXXX PHARMACY ACCOUNT # XXXX I WAS NOT ADVISED AT THE TIME OF SERVICE AT XXXX XXXX XXXX XXXX FL & US1 XXXX  MINUTE CLINIC THAT THERE WERE CHARGES OTHER THAN THOSE PAID BY MEDICARE PART A EMERGNCY SERVICES. I DID NOT AGREE TO ANY PAYMENTS. 
CLERK OF COURTS XXXX XXXX TRAFFIC VIOLATION CASE # XXXX XXXX/1999 {$200.00} WAS PAID IN FULL IN DUE TIME. 
XXXX, XXXX, XXXX & XXXX ATTORNEYS ( XXXX ) XXXX CASES XXXX, XXXX, XXXX {$450.00}, {$380.00} & {$33.00} ALL PAYMENTS WERE RELIEVED, CASES WERE FOUND XXXX XXXX ALL TIME WAS SERVED & FINES & FEES EXPUNGED. 
XXXX  XXXX XXXX {$730.00} IS A WRITE OFF FROM BANK, CHARGES WERE PAID OR WRITTEN OFF BY XXXX XXXX XXXX IN A HOUSING FRAUD ISSUE, XXXX XXXX XXXX WAS THE PAYEE AND STATED ALL WAS PAID IN FULL ( PARTIAL PAYMENT WAS ACCEPTED AT TIME OF SERVICE ). 
XXXX XXXX {$490.00} ( XXXX ) XXXX XXXX  XXXX XXXX  IS A EXPERIAN CREDIT CARD, IT WAS PAID IN FULL. COMPANY LOST PAYMENTS, CARD WAS CANCELED.
Product: Credit card or prepaid card

I bought a US Bank Visa gift card today. I went home to register the gift card at prepaidgiftbalance.com, but it said my account was locked and to call. I called the number on the back of the card XXXX and the rep said my card was compromised and to fill out the form at the bottom of the website, " Card not working? Click here to begin the process Click Here. '' I filled out the form, but it said, " Your request can not be completed at this time. Please contact the number on the back of your card. ''
Product: Debt collection

Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.
Product: Credit reporting or other personal consumer reports

A number of inquiries have not been removed after several attempts at disputing.
Product: Credit reporting or other personal consumer reports

On my credit report I received a Civil Action for Possession Case number : XXXX. However this account does not belong to me. Lexus Nexus is reporting this to the major three credit bureaus. I opted out of Lexus Nexus credit reporting services the moment I found out about this inaccurate information.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

i have a toal of 13 collections showing. This company took advantage of me and I want these collections removed from my credit report
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Debt collection

Transworld Systems is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however Transworld is adding over {$46.00} a month to the debt and putting that information on my credit report.