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

Barclay 's Bank reported 30 day late in XXXX. I was not late. I contacted them and they refused to remove it. They also didn't acknowledge my error within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in writing and over the phone to get unauthorized inquiries removed from my Transunion credit report. These inquires are damaging my credit and the credit bureau states they are not allowed to remove THEM which further damaged my credit report. I disputed this information with both creditor showing on my report and transunion credit bureau and the creditors are confirming they do n't report any information to the credit bureaus. The FRCA states that the only permissible purpose for pulling someone 's credit is for firm offer of credit, employment, insurance and court order. None of the following are related to none of the aforementioned permissible so Im requesting the following be removed. 1. XXXX  XXXX/XXXX/XXXX, 2.XXXX XXXX XXXX XXXX/XXXX/XXXX, 3.XXXX XXXX XXXX/XXXX/XXXX, 4. XXXX XXXX/XXXX/XXXX, 5.XXXX XXXX  XXXX/XXXX/XXXX, 6.XXXX XXXX XXXX/XXXX/XXXX, 7.XXXX XXXX/XXXX/XXXX, 8.XXXX XXXX/XXXX/XXXX, 9.XXXX XXXX/XXXX/XXXX, 10.XXXX XXXX/XXXX/XXXX, 11. XXXX XXXX/XXXX/XXXX, 12.XXXX XXXX/XXXX/XXXX, 13.XXXX XXXX/XXXX/XXXX, 14.XXXX XXXX/XXXX/XXXX, 15.XXXX XXXX XXXX/XXXX/XXXX, 16.XXXX XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation on a collection that appeared on my report in XX/XX/XXXX of this year from XXXX XXXX XXXX. Multiple agencies have " validated '' the debt ( Equifax and XXXX ) but they have not updated ANY date, have not forced the reporting company to provide the date the debt was first delinquent ( and they would realize it was well past the 7 year period or not mine ; ) have not provided validation methods etc. I have asked for all of this to be provided. This debt may not be mine, and even if it were, the date would have been well past the 7 year reporting period.
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. 
XXXXXXXX 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

Once again they will not give me my credit report like the law says. I requested the report and this is what I got it's attached. How long do I have to go through this. It gives me no faith in there system and makes me believe that it's being manipulated to go against me. This is the third time at what point do someone step in. Telling me the condition that prevents them from giving me my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$510.00} XXXX XXXX Account # : XXXX Balance : {$740.00} XXXX XXXX XXXX Account # : XXXX Balance : {$2700.00} XXXX XXXX XXXX Account # : XXXX Balance : {$11000.00} XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I am formally filing a new complaint to request an update to my credit report due to a violation of the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate information that I believe violates my rights under the FCRA. 

Upon reviewing my credit report, I noticed the following inaccurate entry : In an initial complaint filed, the company provided a letter that stated the original debt was for {$2000.00}, but that a payment of {$500.00} was made. 

This entry is incorrect because my credit report reflects the complete amount due instead of the difference after the payment was made. And they state they are the original creditor and per their letter they are not. This is a violation of the FCRA. According to the FCRA, I have the right to dispute any inaccurate or incomplete information in my credit report. Per the FCRA if this has caused me harm, I have the right to seek a lawsuit. This has prevented a loan for a needed surgical procedure. 

I have attached a copy of the company 's letter and my XXXX report showing the debt to substantiate my claim. I am not sure if this company added additional illegal fees to the balance. Nor due I initially received the original documents with my signature on them from the initial complaint. I kindly request that you investigate this matter and update my credit report accordingly. 

Under the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also would like to know if a credit report deletion letter can be obtain should a settlement be reached for {$500.00}. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

CALLS DURING ODD HOURS, SEVERAL TIMES PER DAY
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : 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.

15U.S.C 1681s-2 ( A ) ( 1 ) 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. 

These inaccuracies are stopping me from getting a house for my family.
Product: Checking or savings account

I went in to open a student checking account for my son. I said I wanted to open one for myself too. She did his first and it took awhile for them to figure out how to access his account online. By the time we did mine I forgot to ask about special for {$400.00} for opening a new account. Since she did mine the same time she said it was online only and since now I have an open account with them I dont qualify. This is not acceptable, I just opened it and should have gotten or allowed to get special advertised.
Product: Mortgage

The mortgage was deemed illegal by the federal government and the bank refused to work with me to refinance. Subsequently the bank foreclosed and I lost my house.
Product: Student loan

Hello, we recently requested a refund on our loan from Nelnet servicer and was promised the process would take 4-6 weeks. However, it has been past this amount and after contacting around 5 times already, the process continues to be pushed back by their representatives. We applied in late XXXX and each representative continues to state a different statement about the status of our request. After our first email, we havent had an email response from this company since the first.
Product: Credit reporting or other personal consumer reports

My loans from Nelnet were paid off in XX/XX/XXXX and they are still showing with an open balance on my credit reports. The last time they updated was XX/XX/XXXX. 

The current wait time to call them is over XXXX hours.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

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

I am formally writing to express my concerns of Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with this 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 tracking these transactions was not infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I received a letter from Transworld Systems Inc dated XX/XX/2019 concerning a balance owing with XXXX XXXX XXXX . 

This debt was previously placed with XXXX and I never received any notification that XXXX is no longer servicing the account. I have tried to reach out to XXXX and they are no longer taking calls. 

On XX/XX/2019 I spoke with XXXX XXXX with Transworld and after all disclosures I told him that I wanted to start making payments but would need some written documentation confirming that they are in fact the servicer of the loan, that the account is no longer placed with XXXX and that XXXX XXXX has given them permission to service the loan. 

My request was met with significant pushback from Mr. XXXX. He told me that the letter I received - the Dunning letter - was verification enough and that I should call XXXX XXXX. I explained to him that I am well aware of my rights and I am entitled to have this debt verified and have proof that they have authority to service this debt. XXXX started to interrupt me as I was talking and told me that he is in the position to know far more about what his job is than me. I told him that I don't appreciate his tone or that he is being argumentative with is request and asked to speak with his manager. I was told that that the manager - XXXX XXXX is unavailable. 

My complaint is two fold, the abusive and argumentative nature of Mr. XXXX is unacceptable. I have a debt, but I am still human and should be treated as such. Second, receiving push back for requesting proof that Transworld has authority to service the debt from XXXX XXXX is in direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports with each company they show a Repo for my car with XXXX XXXXXXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.
Product: Consumer Loan

I, XXXX XXXX, have a loan with Hyundai Motor Finance. My initial contract did not call for them to charge me a late fee. In XXXX of 2015, this company started doing so. The late fees have accumulated and even though I have been paying my payment, Reported on my credit as late. When I contacted the company, Their reply was that Alabama now allows them to charge a late fee. I did not get any notice of any change to my contract. I am a XXXX and if not resolved, plan on suing them in federal court. acct # XXXX XXXX/Hyundai Motor Finance/XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt I am interested in disputing all incorrect information on my credit report with transunion. checking the information submitted I need all data removed asap.
Product: Vehicle loan or lease

XXXX XXXX has a account in my name I have no knowledge of and it needs to be removed its in collection status
Product: Debt collection

The company CREDIT COLLECTION SERVICES is in violation of USC 1681 ( b ) Permissible purposes of consumer reports. I noticed the account on XXXX. I asked if they were the holder and owned the debt, they denied owning the debt. I asked why are they reporting as the creditor, then demanded they remove the account. They denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via XXXX XXXX. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXXand CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my FICO thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, XXXX XXXX XXXX XXXX XXXX, does not have a license to operate in the State of Georgia, where I reside. 
I have enclosed evidence to support my claim, including a copy of the XXXX consumer access list of licensed debt XXXX and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the Georgia Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that XXXX XXXX XXXX XXXX XXXX does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX