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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

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

The company will not cooperate with investigation i requested so i filed a complaint with XXXX. The company states then updates my credit report stating i was late after i complained to the better business bureau about payments and due date and the amount owed. made in adjustment on my account that the amounts still are not adding up. i called ask for them to please remove the late off my credit report report after customer service realized it was an error. rep stated he would send something over immediately and would not give me anything in writing. this still has not been updated. as a result i have been denied housing and could become homeless in 30 days with my family. This has been going on for months. This is very damaging to my credit.
Product: Vehicle loan or lease

GM financial has added property taxes to our lease bills for personal vehicles leased by our company. We have requested copies of these supposed bills multiple times and GM financial has stated they do not have the ability to produce them. 

We have researched with the state of Texas and our county and they show no bills due. They have also stated that there is no taxes assessed on vehicles used for personal purposes. GM financial is aware that the vehicles are for personal ( non-revenue generating ) use as we have signed affidavits them. 

They have gone so far as to charge us for a vehicle that was turned over XXXX years prior. 

My questions is, are they required to produce copies of these " pass-through '' bills before requiring that they be paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase from Mattress Firm, XXXX for the amount of XXXX. I was offered financing with My Synchrony, I accepted. I was not satisfied with mattress purchased I upgraded the purchase XX/XX/XXXX, making the total amount of the charge XXXX credit amount of XXXX for the mattress returned and amount financed XXXX. This transaction was processed XX/XX/XXXX. I made payment on this account until noticed in XXXX  I had an amount of XXXX added, I reported the charge as fraud. It was not a fraud charge, but a duplicate charge. My account was closed, I was issued another card and account #. I immediately filed a dispute, and a 2nd dispute I have had no results. I have notified Mattress Firm of the duplicate charge I have had no results. 
My balance isXXXX on a purchase of XXXX, I have made payments of XXXX.
Product: Bank account or service

I call up to make a payment usually day before or the day of. They refuse to take my payment from me. They call me back the day after ( so its now late ) and tell me to pay the late fee. as I refuse to pay it, they then proceed to call me while im at work at least XXXX to 15 times per day until I pay it. I have gave this company so much money in late fees because they refuse to take my payment early. I am then harassed every day until the payment is made and then made to pay a late fee. This is not right and is unacceptable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian XXXX  Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy filings, must be removed from a credit report after a specific period of time. The presence of an outdated or inaccurately reported bankruptcy entry violates my rights under federal law. 

The bankruptcy in question has either surpassed the legally allowed reporting period or is inaccurately reported. I request that you investigate and, if necessary, remove this bankruptcy entry from my credit report to comply with the provisions of XXXX U.S.C. XXXX ( a ). 

Under this section of the FCRA, consumer reporting agencies are prohibited from reporting bankruptcy cases that are older than : XXXXXXXX XXXX  from the date of filing for Chapter XXXX bankruptcies. 
XXXX XXXX  from the date of discharge for Chapter XXXX bankruptcies. 
The presence of this bankruptcy on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX U.S.C. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases under Chapter XXXX must be removed from the credit report after XXXX XXXX from the date of filing. 
Bankruptcy cases under Chapter XXXX must be removed after XXXX years from the date of discharge. 
Other adverse information, such as charge-offs and collections, must generally be removed after XXXX XXXX from the date of the original delinquency. 
The law ensures that outdated and damaging information does not remain on a consumer 's credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained property from XXXX XXXX XXXX  using Acima. When purchasing this product it specifically stated that it was a lease and not a loan. Having had the product for a few months I decided that I did not want it anymore, therefore I was able to RETURN IT to ACIMA, the rightful owner. The agent on the phone advised of my return options, relating that it can be returned directly to ACIMA via shipping or it can be donated and will be considered paid and closed as it is NOT a loan. Under the direction of ACIMA, I donated this property to a not-for-profit organization as shipping it was not an option. ACIMA then suspended the collection of further payments and actually REFUNDED ME. I took a look at my credit report and noticed this account showed, paid, closed {$0.00} balance yet the remarks state this was voluntarily surrendered. How is that so? I never owned the property, therefore I can not surrender what it is not mine - it was a lease not a loan. This ofcourse negatively impacted my score drastically. After contacting ACIMA regarding this, I received a call from ACIMA on todays date to which the female employee stated that I could no longer make the payments thats why it was surrendered ( repossessed ) and they refunded me. WHY ARE YOU REFUNDING ME IF I OWE YOU??? It does not make sense. I demanded that they update the creditors to reflect the correct information to which they declined! I never owned the property, I never agreed to purchase the property - hence it being a LEASE. It should not be reporting as voluntarily surrendered because it was a RETURN! Again, it states PAID, CLOSED, {$0.00} Balance.. yet it was surrender? They REFUNDED ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief my personal identification and ss # has been used without my consent acquiring to apply for banks, unemployment in different states, hard inquiries that are not from my consent, Ive have tried reaching out to the companys directly no help, I have called the credit report agencies no help, i also contacted the federal trade commission to report identity Theif I was given a ftc report and the credit reporting still wont fix my credit My XXXX  and XXXX XXXX reports are Completely wrong
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX My only phone number is XXXX and only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Thanks, XXXX XXXX Items in collection : Account name : XXXX  XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?
Product: Student loan

Immediate Action Needed : Approve XXXX XXXX XXXX XXXX To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX XXXXXXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted out of XXXX XXXX products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXXXXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
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 XXXX  # XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency in the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

these accounts do not belong to me and are reporting on my credit report, these accounts are causing an identity issue resulting in " UNABLE TO VERIFY IDENTITY '' Please delete all of these accounts off of report XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Money transfer, virtual currency, or money service

Hello, I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was IMPOSSIBLE and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I have talked over the phone and in person with my bankers and still nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I went to the TransUnion website to freeze my credit. I followed a series of links that based on their names and descriptions led me to believe I was paying a 1 time fee to freeze my credit. OnXX/XX/XXXX, I received an e-mail from TransUnion thanking me for signing up for a {$19.00} / month credit monitoring service that will be automatically charged to my credit card.
This seems to be hugely sleazy and deceptive. The links I followed were clearly designed to appear to be accomplishing a one time freeze of my credit information, it did not clearly state anywhere that you were signing up for a monthly billable service. Shamefull in light of the current demand by people to freeze their info in light of the XXXX  hacking.
I did go on line, and after much searching, found where I could cancel the monthly service .... but I still am stuck paying for the first month.
Somebody needs to hold these crooks accountable!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts :XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you