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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company on [ Date ] and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I wish to outline the multiple attempts I have made to address this issue : I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

[ Date ] : After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days.

[ Date ] : Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

[ Date ] : I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress.

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to correct this late open account in my credit file XXXX XXXX XXXX XXXX Balance : {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX  failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon XXXX financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus asap!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : Date of Charge Off : XX/XX/year> Amount : {$1200.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of the disputes particularly in light of CFPB 's lawsuit indicating significant issues with the platform. Despite using our numerous times and reporting discrepancies my financial institution and Zelle failed to investigate adequately. They informed me that recovering loss funds was impossible and tracking these funds was unfeasible. The CFPB 's findings has indicated that Zelle has not only failed to protect its consumers, but also repeatedly allowed people and repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises huge concerns about consumer safety.
Product: Payday loan

XXXX, XXXX, FL. 

I contacted Advance America before my loan was due. They referred to to a program for credit counseling which I attended, but the paper work was never faxed to them. I called them and told them I would be entering into a payment plan with the credit counseling agency, and asked them not to take money out of my bank account. They told me they do not take money out of bank accounts. I am really upset about it all.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Vehicle loan or lease

Kia Finance America has violated XXXX XXXX and XXXX XXXX rights on many fronts. I have proof and paperwork documented of the fraud, non disclosure and breach of contract with how they violated our rights. 
On or around XX/XX/XXXX, I got the payoff for my XXXX XXXX XXXX, from Kia finance america. I sent in my certified funds for the amount a little over the payoff to cover any interest or overages. Kia accepted payment and then released the lien also the title and they sent us clear title with no liens. I then got the certified copy of the title. Then a couple months later kia stated the payment was reversed and not accepted. Which is a violation of my rights on many levels. Acceptance of payment so discharged. They never returned anything back to me. My equity has been taken and my rights violated. My wife and I both called to resolve this matter but Kia insists that we still owe approximately {$9400.00} on said vehicle. Kia has violated constitutional law, contract law, ucc, codes and statues that are put in place to protect XXXX and XXXX XXXX as the consumer. 
So now they say we are 160 days late and the car was illegally repossessed. I have the clear title with no liens. I also called Kia again and entered my social security number to verify myself and they state thank you for your payoff and we will be sending your title in the mail as you requested. So it still shows my payoff on the automated system. Kia has illegal sent out repossession orders to XXXX XXXX XXXX  in XXXX XXXX Florida which now holds my private property illegally. I contacted Kia again about the illegal theft of my vehicle and property and they claim my account is being handle by a special department and they would need 3 days to contact me back. This happened to my wife 2 months ago when she called Kia to try and figure this out. Kia never contacted her back. They never contacted me. Kia claims they cant leave messages when calling, so how would we know if they called if we didnt answer or were busy at work? This has caused my wife and I unbelievable heartache, stress, financial hardship among many other things
Product: Debt collection

WEST CREEK FINANCIAL IS REPORTING ACCOUNT INACCURATE ACCOUNT SHOWS 30 DAYS LATE AND 60 DAYS LATE, THIS ACCOUNT WAS DISPUTED IN XX/XX/2020 IS CAME BACK AS VERIFIED AND NO DISPUTE REMARKS ADDED ALSO THIS ACCOUNT WAS LAST VERIFIED AND REPORTED XX/XX/2020 NOT XX/XX/2020, ACCORDING TO FEDERAL LAW THIS ACCOUNT IS IN VIOLATION PLEASE REMOVE ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with the credit bureau all 3, XXXX, XXXX and XXXX and the collection agency ( Waypoint Resource Group ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is XXXX XXXX ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a violation of my rights under Federal law against XXXX and Equifax. If these accounts are not removed from my report immediately, I will have to take legal action against you as my right under federal law.
Product: Debt collection

XX/XX/XXXX To Whom It XXXX Concern : I have submitted a dispute on a Debt with my Primary Care Physician who does not have any record of this debt. The reporting group is the Financial Credit Network of XXXX XXXX. I challenged this debt and believe it to be fraudulent and all I received back from XXXX was the debt was confirmed. 

All documents related to this issue are attached. 

This is either a fraudulent charge or a debt from long ago that I am unaware of but I want this investigated fully. If it was my debt I will pay it or have my insurance pay it. I do not believe that to be the case. 

Additionally, the dates of service are constantly changing on this debt, which makes no sense other than to be deceptive. If it is XXXX debt, the date should remain the same. I have never talked to this group or company. 

Why do I make this claim of fraud ; all I can see is that this debt is from XXXX XXXX, which has been my primary care physician and has been since XXXX. I live in a small town and we have XXXX hospital, XXXX XXXX and everything goes through them, they have always been fantastic for me and my family 's healthcare needs and I have friends and family who XXXX XXXX XXXX This is a very serious issue for me. 

My medical insurance is XXXX, it is state-sponsored and I have no deductibles, all my medical expenses are paid 100 % and this enables me to NOT have any medical debt of any kind. This can not be an actual medical debt of any kind or it would be 100 % covered. 

Please find attached my XXXX XXXX card, I have been under XXXX since XXXX and remain so to this day. 

If this is a real debt it would be covered under my policy. 

I want to see the original hard copy of this debt, the dates service was received and for what and why this was not addressed by XXXX  with my dispute. XXXX is a serious issue and I demand to see what this accusation is about. And, if it were an actual debt I would want to get it resolved immediately! 

XXXX XXXX has all of my insurance information, if this debt was real, they would have no problem receiving payment from me or the XXXX of California. I want to get this resolved and I feel I am either being scammed or this is a fraudulent claim. 

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

After submitting several disputes regarding 2 student loan accounts with XXXX and a credit card account with XXXX Bank, Equifax failed to notify me of investigation results from disputes that were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claimed to have sent the results via US mail ; however instead of sending the results to my current address listed on my credit report, Equifax sent the results to my previous address. Equifax continued to mail correspondence to an address they have listed on my credit report as a previous address, despite having my current address listed correctly. Additionally, despite my attempts to dispute inaccurate information contained on my credit report, Equifax has now placed a " temporary update freeze '' on both of the above mentioned accounts. They claim this action was taken by the creditors themselves, however both creditors state they do not have the ability to place an update freeze on a consumer 's credit file. Lastly, when attempting to access my credit report via the Equifax website, my credit report status now shows as " Blocked for promotional purposes ''. These actions taken by Equifax prohibit me from exercising rights that I am entitled to by law : to dispute inaccurate information on my credit file, to receive the results of such investigation initiated by that dispute with 30 days, and to be provided a copy of my credit report upon my request. I am requesting that Equifax review my concerns as stated above and provide an explanation for each.
Product: Credit reporting or other personal consumer reports

I called Transunion XX/XX/year> & XX/XX/year> to have a dispute from XXXX XXXX XXXX deleted from my account. Each time, I was told it was removed. With the second call, I was also told there was no remark. I need the dispute deleted in order to move forward with the equity application for my mortgage. As of today, the dispute remains on my credit. I reached out to Transunion multiple times today without resolution of the issue.
Product: Debt collection

I have a charge off for an auto loan from XXXX. The loan was paid off with title in hand. I however can not purchase a car or mortgage for this matter. I was late toward the end of my loan in which I kept in contact with the Lenders Westlake Financial Services. I didnt know that I incurred this status on my credit report until now 2022. I have not received any calls prior stating such thing. My car was never repoed. Im asking to please remove this from credit. The credit beareau is stating to reach out to Westlake and to only get the same from the other party. Please help
Product: Vehicle loan or lease

I have a loan with Chrysler Capital. My car was flooded out and my insurance company paid their part. The finance company sent me the bill. I said why so much. I asked them for a record of my payments. Upon receiving the report, I noticed that the first 12 payments went to interest. XXXX x XXXX XXXX dollars. They stated that was simple interest. I said that is not simple interest. They still have me owing XXXX dollars on the car. I wrote them and no one has replied to my letter or phone calls. They just keep calling for payments. They sent me a copy of my contract, so small you can not read it. I asked for a readable copy, not yet. This all happened XX/XX/2018. This is affecting my credit scor and purchasing power. What to do. 

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

XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the disputes that were disputed on XX/XX/XXXX still remain. The credit bureau agencies have XXXX days to respond and theyre XXXX days over. Please correct the items that were disputed on XX/XX/XXXX and remove. thanks XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX i submitted all identity theft information more than once. My next step is to XXXX 

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

EQUIFAX IS REFUSING TO FOLLOW THE LAW WHEN IT COMES TO REMOVING OR BLOCKING UNVERIFIED ACCOUNTS OR ACCOUNTS THAT ARE A DIRECT LINK TO IDENTITY THEFT. THE ACTIONS OF EQUIFAX HAVE SEVERELY TAKEN TOLL ON MY LIFE DUE TO THEIR DIRECT DISREGARD OF THE LAW. XXXX HAS TAKEN STEPS AND IS REPORTING THE ACCOUNT AS FRAUDULENT. I DONT UNDERSTAND WHAT IS GOING ON WITH EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX XXXX XXXX registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted Experian in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.
Product: Checking or savings account

i contacted chase to let them know i had a customer for my lawn business who was paying a deposit for a lawn service. ( Replacing sod ). they gave me a check and I deposited it. I called to ask if they could verify authenticity of check they told me they couldnt. A couple days later the check deposited into my account and then it bounced putting account in negative. More than i could afford to pay back. I tried to resolve issue but was unable to and then they closed my account wrongfully. I have been a loyal customer since i was a XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a wrong name and previous address as a XXXX XXXX XXXX never used
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 or other personal consumer reports

This is not accurate. 

XXXX XXXX XXXX  XXXX