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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681s-2 ( A ) ( a ) 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 two Chase credit cards that are currently showing on my consumer report as a charge off. The payments are past due and I have been attempting to pay by negotiable instrument for the last few months and Chase has yet to accept my payment. I have written on the instrument pay to the bearer and I have accepted the instrument as I am supposed to as the holder. I endorsed the instrument and sent the bill back to the corporation for set off but for some reason Chase will not perform their fiduciary duties. I have sent in my durable power of attorney and have instructed Chase to transfer the principal 's balance to the account numbers on the instruments to satisfy the account. Chase needs to respond to me in writing within 5 business days stating the reason to can not complete this performance as the fiduciary.
Product: Debt collection

I moved out of in apartment complex after lease was completed. 
XXXX gave a sixty day notice as well. Even though the apartment had numerous issues such as black mold pipes constantly bursting and flooding the apartment and mode. I never received any written or email correspondence. Stating that I owed any money. I even have old emails saying that I would just be moved out of the system that XXXX when my lease was officially up. Fast forward and I have a XXXX XXXX XXXX dollar in some odd change, lean on my credit. I have tried to dispute it with all credit bureaus numerous times As well as with pro collect itself, only to be hung up on and no debt collection letter to be provided. I reached out to the apartment complex requesting this for the last 3 years and 2 months. And never received anything if my emails get kicked back. I get proof that i'm being blocked and nobody has been able to provide any proof this debt is valid or of mine. I even tried to reach out to the apartment complex over the last XXXX months and even again today and they are telling me they have no records of this debt. I have done dispute after dispute only for no resolution to be found or no. Letter to be provided still. Every time I call pro collect I get hung up on and they're rude.And they save horrible things to me. I need this to be resolved, as I am trying to move and find a better home for my children and I. Just the way pro collect is treating me is atrocious. And quite frankly disgusting customer service. I would like this to be completely removed off my credit.As this is not a valid debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX account : # XXXX has violated my rights. Under 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. 15 U.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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three CRA along with third parties have failed to rectify erroneous and fraudulent information contained in my report and have continuously allowed access to my report without valid need. The CRA and their third parties and creditors are paying clients whose parroted information comes before the consumers even when I have submitted proof. The CRA has ignored my documents providing my personal information such as my address and have over 34 name and addresses variations of which they are allowing, they have ignored all documents of payment and have allowed creditors to change payment histories and reage old debt and even allow late payment reporting before thirty days late- even after fraudulent activity. This is unacceptable. The CRA has failed to verify, investigate and/or delete fraudulent or erroneous information along with allowing these companies to access my report for several years and have violated FDCPA & FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I went into the automated system to make my mortgage payment history on XX/XX/XXXX. I completed it and heard a confirmation number. I was driving and could not right the number down. I received a collection call the first week of XXXX. The person from Penny Mac said they needed to talk about my account and asked from my SSN. I asked why they needed to discuss my account and they said they needed to verify my SSN first. I refused, as I assumed this was a scam. 

I was called today XX/XX/XXXX. The person asked for my address. I provided it and apparently the automated system made and error ant the payment wasn't recorded. I immediately pooled up my account and verified the payment wasn't withdrawn. I paid the past due amount immediately on the phone. I asked them if they could make sure this late would not report to my credit. They refused to acknowledge the systems error. They could see I called in to the system on the XXXX. I have a perfect pay history. They also could see I call in the same time every month to make the payment, but said the could do nothing about it. They offered the address to file a written complaint, but by then the damage will be done and she reitterated they can't change the credit. They could report this to the credit as their system error. They just won't. I now will suffer a 30 day mortgage late on my credit. This is uncacceptable
Product: Debt collection

Diversified Consultants did not verify a debt and has violated my rights. They removed the debt from the three credit bureaus and then after a few months added it back on XXXX without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX Bank is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/year> and I noticed unauthorized inquiries on my behalf. I was a victim of the Equifax data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. 
Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.
Product: Debt collection

XXXX XXXX Email-XXXX Phone-XXXX These past few months LVNV FUNDING LLC has been harassing me for old debt. I was served papers to appear in court on XX/XX/XXXX. This debt was when i stayed in Alabama not in Georgia. Before this debt was sold to them i talked to XXXX in XXXX that i was under order as a dependent because my husband is military. I have proof and sent it to them of SCRA papers the told me to mail a copy and they would get back with me and I did mail them. After mailing these copies out they never responded back to me. I was a XXXX XXXX XXXX and had lost my job. I did go to court and worked out something the best way i can, I also showed proof at the time of the scra papers i sent them and others. I felt pressured and i feel as though my rights was violated by LVNV FUNDING LLC. 
The debt is still on my credit report and i have been had this on my credit. I am tired of being harassed of old debt that i have bad credit for from this company. Please feel free to email. Me or call any time.
Product: Debt collection

Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Auto insurance due to progressive / Caine & Weiner. 
XX/XX/2019 at approximately XXXX EST I called in attempt to settle a debt for {$83.00} with debt collectors Caine & Weiner of California . I didnt have the funds and would call back later that day. Second contact being XXXX XXXX at that time before making payment I mentioned that I didnt feel comfortable providing payment unless I received immediate confirmation/ receipt following the transaction with rep. I was then transferred to rep assistant manager she assured me that I would receive receipt following transaction CONCEALING that it would take some business days to receive that via mail. After payment I asked for receipt and thats when it was disclosed to me that I wouldnt be getting confirmation till later sometime this month I then continued to say That i will call my bank and dispute the transaction if I didnt receive a receipt. Floor manager then contacted me at XXXX XXXX   XX/XX/2019 ( XXXX accent ) and used DECEIT by stating that what was once and offer ( deletion of the debt after payment ) could be easily taken away also became very condescending in attempt to keep me from disputing the charges ( ALL CALLS WERE RECORDED ) to prove this. 
Which is in violations of my rights 15 U.S. Code 1692e. False or misleading representations or deceit ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer XX/XX/XXXX XXXX XXXX same floor manager contacts me in response to an earlier call where I asked for a receipt. And said you mentioned you were going to call your bank so I cancelled the transaction and frankly the deletion of the account was courtesy so why do you want to do? VERY AGGRESSIVELY XX/XX/XXXX XXXX XXXX est I felt with manager XXXX to mediate the situation and mentioned she could only provide a paid in full following the violation to my rights and XXXX COMPLAINT XX/XX/2019 XXXX XXXX est spoke to operations manager after another attempt to settle and made clear that they were in violation of my rights and I would like for them to disclose how I could file a formal complaint he then Said send me a letter to P.O. Box and Ill see about it and asked to speak to a superior which he then responded in not transferring you we can do this all day all while being very dismissive. 
Made little to no effort in solving the situation instead he escalated it more.
Product: Checking or savings account

My phone and card were stolen from me, my phone happened to have all the information about my card details on it as well. I was charged for multiple XXXX and XXXX XXXX transactions while my phone was gone, basically draining my account. I disputed through Chime and they denied my claim even though it was legit. 

I received documentation on why my claim was denied and their is no real evidence that they provided besides a few basic questions. Chime is in violation of Regulation XXXX ; terminal location/transaction location, type of transaction ( atm, retail pos, online pos ) name of financial institution that initiated charge ) was not included in the denial reason. 

They also state because money was moved in my savings account that the claim was denied but I clearly stated my account was used along with my phone as a login.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with XXXX, Experian, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate information reported on my credit report by Capital One, account number XXXX. This account is listed as " Paid in settlement. {$230.00} written off '' and marked as " Potentially Negative. '' I request the immediate investigation and deletion of this account from my credit report based on the following reasons : 1. **Incorrect Reporting of Charge Off and 1099-C Cancellation of Debt** : According to IRS regulations, specifically 26 CFR 1.6050P-1, a creditor must issue a 1099-C form when a debt of {$600.00} or more is canceled. The amount written off in this case is {$230.00}, which does not meet the threshold for a 1099-C form. Reporting this as a charge-off without issuing a 1099-C form is a violation of IRS regulations.

2. **Fair Credit Reporting Act ( FCRA ) Violations** : Under the FCRA, 15 U.S.C. 1681s-2, furnishers of information to credit reporting agencies are required to report accurate information. The reporting of this account as a charge-off is inaccurate and misleading. Additionally, under 15 U.S.C. 1681i, the FCRA mandates that any information that can not be verified must be deleted from the credit report.

3. **Fair Debt Collection Practices Act ( FDCPA ) Violations** : The FDCPA, 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting a settled account as a charge-off is misleading and constitutes a violation of the FDCPA.

4. **Failure to Update Account Status** : The account status was last updated in XXXX XXXX and it is marked as " Paid in settlement. '' However, the payment history still shows multiple charge-offs and past due statuses, which is inconsistent with the settled status of the account. This discrepancy violates the FCRA 's requirement for accurate and up-to-date reporting. 

5. **IRS Violations** : The Internal Revenue Service ( IRS ) regulations under 26 U.S.C. 6050P require creditors to report the cancellation of indebtedness for any debt amounting to {$600.00} or more. Failure to issue a Form 1099-C for the canceled debt and incorrectly reporting the charge-off without proper documentation may constitute a violation of IRS regulations. 

I request that you investigate this matter and delete the inaccurate information from my credit report. Please provide me with written confirmation of the deletion once the investigation is complete. If you require any additional information or documentation, please contact me at the address or phone number listed above. 

Thank you for your attention to this matter. I look forward to your prompt response.