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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Consumer Loan

We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Ally Auto XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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. 
I need the above transactions deleted from my consumer reports! 

Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Checking or savings account

I opened XXXX checking account on XXXX XX/XX/2021 with a promotion which states : within 45 days, do 5 transactions using your debit card and account will be credited with {$300.00}. 
I have already done 5 transactions using my XXXX debit card on XXXX XX/XX/2021. When i called kabbage - there is a long wait of more than 45 minutes and still no human being available to talk. I tried sending emails and getting response - but no response from them either.
Product: Vehicle loan or lease

Wells fargo bank placed XXXX insurance on my truck then applied it to the loan and charged me interest on top of insurance I had zero need for. When I called they told that it was insurance that was required but it raised my payment more than I could afford. They repossessed my truck and never sent a letter about a auction. By there own admission when trying to get a fair settlement from them they sold the loan to a overseas company and never sold the truck. They shorted me so bad on this it is wrong. I waited XXXX plus years to get XXXX out of XXXX that they owed me. Thats again making me a victim and there laughing.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a 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 antidotes the report by more than XXXX  years. 15 U.S.C 1681 s-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.
Product: Credit card or prepaid card

I have been a with NISSAN ACCEPTANCE CO customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Debt collection

XX/XX/2023 I got an alert that FairOutsourcing and Collections put a collections on my credit report for XXXX It does not state what this debt for or the original creditor. FairOugsourcing did not contact me via us mail to inform me about this debt or verify this debt. 
I would like to have this debt removed from my credit report ASAP.
Product: Debt collection

And yet again, Portfolio Recovery sends me ANOTHER LETTER SAYING IT IS IN REGARDS TO A DISPUTE AND I NEVER FILED A DISPUTE. These people are doing this because they really think I 'm going to pay some amount to them I DO NOT OWE!!!!!!!!!!!!!!!!!! 

Funny how their proof is some old credit card statement they dug up but they can not and will not send proof of my supposed disputes ... why is that? Because THEY ARE LYING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

STOP.CONTACTING.ME.FOR.THE.LAST.TIME!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance : {$67.00}
Product: Debt collection

Dear Transworld, I am writing to formally notify you that your attempts to collect a debt from me are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question is beyond the statute of limitations, does not belong to me, and furthermore, there are discrepancies with the account information that you have provided. In addition, the last name associated with the account, XXXX, is incorrect. My last name is actually XXXX. 
Upon reviewing my credit report, I noticed that the account in question was allegedly opened on XX/XX/XXXX. However, the documentation that you have provided to me shows that the account statement dates back to XX/XX/XXXX to XX/XX/XXXX. This discrepancy constitutes a clear violation of the FCRA. 
As you are no doubt aware, the FCRA requires that all information on a credit report be accurate and up-to-date. This includes the date of account opening, the dates of any associated account statements, and the correct name of the debtor. Your continued attempts to collect this debt and the associated inaccurate information constitute a clear violation of these laws. 
I hereby request that you immediately cease all attempts to collect this debt and remove it from my account. Failure to do so may result in legal action to protect my rights under the FDCPA and FCRA. I urge you to take this matter seriously and act accordingly to avoid any unnecessary legal troubles. 
Please provide written confirmation that you have received this letter and that you have taken the appropriate steps to remove the debt, associated inaccurate information, and the incorrect name from my account. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Codes : Fair Debt Collection Practices Act : 15 USC 1692 et seq.

Fair Credit Reporting Act : 15 USC 1681 et seq.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Debt collection

LVNV Funding is trying to sue me for someone else 's debt. The name of the person is spelled different than mine, from a city and state that I never lived in. I think LVNV Funding should have investigated further before filing a case against me. I am not paying someone else 's debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was op

en, pay status, and loan type. Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to
respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Product: Credit reporting

I have incorrect information on XXXX, XXXX and TransUnion reported by XXXX ( Medical/Health Care ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, XXXX and TransUnion, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe XXXX XXXX. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.
Product: Credit card or prepaid card

On XX/XX/2020 I submitted a claim with Chase Bank for my freedom credit card due to an item I bought being very late but more importantly counterfeit. 

According to Chase 's charge error policy : " Charge Error A charge error is a transaction you recognize but appears to be incorrect, such as : A recurring transaction or trial subscription you canceled A product or service you never received or received late A one-time purchase you returned or canceled, and you still havent received a credit A charge higher than the amount on your receipt A product or service you received and are dissatisfied with Your card was charged even though you used cash or a different card The same card was charged more than once for the same transaction '' I should be fully covered. 

Attached is the formal claim submitted to Chase Bank containing irrefutable evidence I should the transaction is a charge error and thus should get an account credit.
Product: Debt or credit management

Submitted a dispute with XXXX, they failed to remove collection with LVNV funding LLC, and continues to update my status even though account is closed. Last dispute done on XXXX, 2024. Failure to proceed with proper investigating.
Product: Credit reporting or other personal consumer reports

Company performed a hard inquiry that I need removed immediately unless they provide proof of my authorization and identify the security breach in their system.
Product: Mortgage

Fay Servicing, sent me a letter stating that I was in default of not making payments but we have been making our payments on time and we have proof that the checks we mailed were cashed but we're still getting a notice stating that we're late and we are in Jeopardy of being in foreclosure. I'm trying to figure out how or we're late and if there's any way the company can send us a printout or something showing their investigation result. This situation needs to be fixed and I am not a happy customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are fraudulent on my credit accounts XXXX XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy on my consumer report that you publish. My consumer report still contains the unverified account indicated below, which is in violation of law. 
XXXX XXXX XXXX, Account Number XXXX A consumer reporting agency must include all truth, fairness, and correct information on a consumer report in accordance with 15 USC 1681 ( a ). To guarantee that the reported information is accurate, several measures must be done. 

Your inability to comply with my SECOND WRITTEN REQUEST to terminate the disputed account that you can not verify within 30 days further demonstrates your willful disregard for federal law. Please send me a copy of a revised and updated CONSUMER FILE that demonstrates that this business ' tradelines are being verified or are being immediately removed.
Product: Credit reporting

I am filing this complain because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed.please resolve this manner as soon as possible. thank you Note : the attached document part of my credit report that i have revived from Experian and it has multiple errors in my personal info that i have disputed but they kept it on my file
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my fina cial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and tracking these transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repest offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I sent dispute letters about XXXX specific accounts to all XXXX credit agencies via certified mail. XXXX is performing their investigation, XXXX sent a stall letter that is obviously generated, because it said I didn't provide enough information that proved I was the one who wrote the letter, and then Experian sent the same notice to me. I have attached both automated emails that seem to be very similar. Are these agencies working together on a tactic that prevents me from exercising my rights? Both XXXX and Experian sent me the same type of letter accusing me of using a " credit clinic '' or credit repair company. I used a service to mail my letters via certified mail that allows me to keep paper trail and properly track my mail so that I have evidence, because I knew they'd prevent me from exercising my rights. I will provide documentation. 

Especially, in these letters, they stated that there wasn't enough information or authorization-to-anyone to send those letters for me, but I clearly provided a self declaration letter that states that I am solely responsible and wrote the letters on behalf of myself. I also provided my full name, date of birth, address, and all identifiers including proof of address ( utility bill ), SSN Card, and Copy of my State issued Driver 's License ( Front & Back ). If these documents were handled by an individual, it would have not been " flagged '' as unauthorized. So why are they still allowed to use the e-Oscar system? It should be banned! It makes it hard for consumers who have a busy schedule and can not get ahold of their customer service because of wait times. I got ahold of XXXX but Experian customer-service line for dispute department sucks! I can never find time out of my busy work schedule to get a person on the phone during business hours. I'm stuck waiting for soooo long!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 

1. ) Collections : XXXX XXXX XXXX  account # XXXX open date XX/XX/XXXX amount of {$780.00} 2. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} 3. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX