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

I sent a letter back on XX/XX/2021 in regards to some accounts that are not mine and I have yet to see the accounts removed or received investigation results from the credit bureau 's. 

I would like for you to review the letter and affidavit I submitted in regards to the accounts that do not belong to me.
Product: Debt collection

Monterey financial contacted me last year sometime in the fall of XXXX with a letter stating I had a collection account with a dentist. They stated if this is not true please write us within 30 days. First, I called the dentist and they had told me I dont owe anything and that I paid the balance directly to the dentist in full on XX/XX/XXXX. I had ask for a record from the dentist but they stated just have collection company contact them if there was an issue.I then wrote a letter to Monterey financial and let them know I didnt owe the debt. I never heard back from them.fast forward to XX/XX/XXXX I get a notification that my credit score dropped due to a collection on my account. I immediately called Monterey Financial and they stated they had received my letter last year but they were still waiting to hear back from dentist. ( No follow through on their part ). I asked how can we prove to you since emailing doesnt work. They said have dentist call us. What I did instead is called the dentists with the operator on the line and she said that wont work. I told her to stay on the line and listen for the answer she needed. Then she tells me and the dentist that she needs a statement sent to me so I can forward to Monterey financial. Ok great, so I got one. Didnt hear anything back from Monterey so I called. Spoke to XXXX and she had stated that statement wouldnt work either ( even though it clearly showed I paid it in full XX/XX/XXXX ). 
So I got ahold of the dentists again and copied Monterey financial on it so they can send the statement to them directly. Told them to take the collection off my credit file as it hurts me as a consumer and a business. Hadnt heard anything back from Monterey so I called them again. XXXX told me collection is as stands on credit report and this case was basically closed, then she told me to hold on. Gets back on the phone and tells me collection was closed on Monday the XXXX. Asked if she sent any thing to collections to take off my record. She said no. ( Keep in mind it is now Friday the XXXX ). I asked her to take it off my credit report ( she says it can take up to 30 days ) I also asked her for proof and send me the letter, XXXX also told me that can take up to 24 hours to get me a letter in an email. Fast forward to XX/XX/XXXX- it clearly has been more than XXXX hours, and still no letter from XXXX. At this point I seriously doubt she sent anything to Collection agency. I emailed my dentist again and threatened a lawsuit and Monterey financial and then I got a letter stating she sent to credit companies on the XXXX and letter was dated XX/XX/XXXX. 

This company has fraudulently put my account in collections. They bought out another collection agency and assumed all debt was valid when it wasnt. 

This company has very bad business tactics and has no follow through. 

If I were to mess with their lives like they have mine I am sure they wouldnt be too happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 USC 1813 PLEASE REMOVE ALL ACCOUNTS ON MY REPORTS OR CREDIT FILE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.
Product: Credit reporting or other personal consumer reports

I was paying Lexington law fir several years with my bank account to improve my credit they never removed the incorrect information that they promised which caused my credit to never improve
Product: Credit reporting

I XXXX XXXX would like to cancel my dispute ( # XXXX ). I uploaded an credit document and selected the wrong option. I received the below message informing that I had to processed my dispute manually. 
Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the XXXXredit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account XXXX/web bank several times only to recieve a letter that there information on my credit report is accurate. I have sent proof over and over where it shows inaccuracy with address. I have no knowledge of this account and this account is hurting my credit scores.I have been trying to build my credit in hopes to purchase or even rent a bigger home for my kids and I. This account keeps my score down. I have the papers that was sent to me by the creditor them selfs and it shows inaccuracy. I just want this off my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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. 

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!
Product: Vehicle loan or lease

Drive Time is an National Buy here pay here car  lot who predatory practices are criminal. THEY sale customers a vehicle wort h  XXXX -   XXXX     XXXX  dollars mark it up on the lot to aroun d  XXXX -   XXXX   XXXX  then act like there getting you a loan when it 's a buy here pay there is no loan and the loan is at o ver 20-  30 % interest leaving you a bill of ov er 21k fo r a used vehicle worth  XXXX . I 'm sure there paperwork is in order when it comes to legal issues I just think the government needs to step in and do something about it its like me charging  XXXX  $ for a gallon of milk just because the time was rite its an immoral unfair business practice they need to be shut down or fined. There customer base is single parents and low income so they 're paying car payments every time they get paid meaning some months they pay over 600+ per month this product is not helping anyone but the owners of the company a  XXXX  sold for  XXXX  that 's  XXXX  profit will some one look into them thanks
Product: Credit card

One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I contacted credit karma several times via telephone and email regarding several unauthorized transactions on my account they claimed that they were investigating and that they would send me and email regarding the disputes for the unauthorized transactions I called back several more times and no email was ever sent and credit karma never investigated any of the unauthorized charges instead they unlawfully removed all evidence of the unauthorized transactions from my statements mind you I have the originals of each unauthorized transaction I reported the unauthorized transactions amount to over {$2000.00} I attempted several times to get my money back from these unauthorized transactions I notified credit karma several times that there was a police report and clear documentation of the fraud and they never investigated or followed up they have done everything in their power to allow the fraud and continue to allow more unauthorized transactions on my account they are costing me thousands of dollars in damages and refusing to report the fraudulent transactions. I called several times in regards to disputes filed on my account that credit karma never filed and never completed even after I was told that they would begin the investigation I contacted credit karma on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also emailed credit karma in regards to the same ongoing not addressed disputes on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These disputes need to be processed immediately all of them were unauthorized transactions reported several times to credit karma and to date have not been investigated in anyway shape or form in direct violation of my consumer and banking rights. XX/XX/XXXX I spoke with XXXX a supervisor with credit karma who refused to help. Credit karma case number XXXX The unauthorized charges amount to over {$2000.00} + and there is a police report which I attempted several times to provide credit karma. Also credit karma intentionally and illegally doctored my bank statements in attempt to remove evidence of these illegal unauthorized transactions I have the original statements and credit karma intentionally assisted the theft of over {$2000.00} of my assets. 
Instead of actually investigating credit karma has yet again committed fraud by failing to properly investigate and causing financial damages to my account even with several legal items providing proof that they failed to utilize during the investigation. The company has also since illegally hid and removed evidence of the transactions from my account rather than investigate it I have the originals of all of the illegal transactions and have sent them to the company several times now and yet they have still failed to investigate and resolve the me matter let alone provide any evidence as to why they have fraudulently tampered with my account and his legal documents regarding to the fraudulent trans they have chosen to not investigate to date.
Product: Credit reporting or other personal consumer reports

Today, I received four emails from XXXX. The last email asked me to set the security freeze on my credit report ; therefore, I went to its website and found out already on the security freeze. I believe this security freeze was on XXXX month ago. I am not sure why this branch did not know at all, and tried to send me the never-end changing credit report after and after whenever I complained. I seriously believe who ever sent me these emails must be suspicious of credit report data breech, at least, mine. I request the investigation.
Product: Checking or savings account

Today I applied for a saving account at Vio Bank ( actually Midfirst Bank ). After entering multiple pages of accurate and verifiable personal information, my application was instantly rejected without any reason given. 
When I called Vio Bank and spoke to XXXX, who declined to give his last name, he was unwilling or unable to provide any reason why my application was denied. He did read me a long statement about " adverse decision '' which did nothing to answer my question. 
Vio uses an outfit named XXXX XXXX to investigate applicants for things like excess check orders and mishandling of accounts. They call themselves a " Consumer Reporting Agency '' which they say is " similar to a Credit Reporting Agency ''. When I called them, they confirmed that there was no negative information under my name and SSN. I downloaded a copy of the report that was provided to Vio and confirmed that to be true. 

XXXX did not seem to understand that Vio is violating one or more Federal laws each time they reject an application without providing a reason to the applicant. Those laws exist to prevent discrimination and abuse. Vio needs to comply with those laws. 

I am an outstanding credit risk, an outstanding citizen, and an outstanding depositor. I am ready to deposit hundreds of thousands of dollars into an account at Vio. I'm not sure how a bank can be successful when they turn away people like me.
Product: Debt collection

Several months ago I completed all of the required forms and payments to get my Student Loans out of collections with GC Services. I was assured by multiple GC Services reps that I'd completed everything that was required from me, and was also assured that my account would be removed from Federal Offset for my tax returns. Between XX/XX/XXXX and late XX/XX/XXXX, I heard nothing from GC Services, indicating to me that my interactions with them were completed. However, at the end of XX/XX/XXXX, I received a packet in the mail stating that additional information from me was required in order to get my loans out of default. When I called GC Services to discuss what else was needed, I was informed the packet was not accurate- they didn't need any of the information being requested. The issue was that the loans were under my maiden name XXXX, and my married name is XXXX. During the dozen phone calls I'd had with GC Services prior to this moment, I'd told them every single time my name was no longer XXXX. I'd even filled out the form on every packet that asked me to note any changes, such as a change to my name, mailing address, phone number, etc. I changed my name to XXXX on every single form. Also, my wages were being garnished, and my paychecks are made out to XXXX XXXX, so to say that my last name being different was causing the issues is preposterous. They'd known my last name had changed all along. It is associated to my social security number. 

Per the request of the GC Services rep, I uploaded proof of my name change : my drivers license and a copy of my social security card. I called back that evening to ensure it'd been received and was assured it had been, and it was being updated in the system to keep my tax return from being offset. With this confirmation, I went ahead and filed my Federal and State tax return roughly 1-2 weeks later. 

My Federal return was offset 100 % for my student loans being in default, which they weren't. I'd done absolutely everything that was asked of me and more. I spoke to an assistant manager at GC Services named XXXX XXXX, who advised me he'd reviewed the calls and determined that i was correct- no one ever mentioned my last name being different would cause the issue, and the error fell on their shoulders. He assured me he'd work with the Department of Education to get my Federal Return back. Below I have included a list of some of the times I have interacted with GC Services in the last couple of months trying to resolve this issue. No one has had an answer for me. I'm repeatedly being given the runaround- that someone is out of the office, or the contact at the Department of Education is not responding, etc. I have waited over two months, I've called repeatedly, and I am at risk of being evicted because of the $ 6,000+ I was offset for a mistake made on GC Services 's part. 

XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 I want the entire amount of my Federal Return returned to me ASAP, whether that be through the Department of Education, or through GC Services themselves. Legal action will be pursued if this is not handled with haste.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am  XXXX . I suffer from   XXXX   XXXX  . I was working while attending the school that I obtained a loan for. At a certain point my illness had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  XXXX  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is   XXXX   XXXX   ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my  XXXX . I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am willing to formally express any concerns regarding Zelles handling of disputes, particularly in light of CFPB highlighting significant issues with the platform.Despite using Zelle numerous of 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 that tracking these transactions was unfeasible. The CFPBs 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.
Product: Credit reporting or other personal consumer reports

I had identity theft and I reported it to the police on XXXX XXXX XXXX I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

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

I HAVE BEEN DEALING WITH A ACCOUNT FROM XXXX XXXX SERVICES THAT DOES NOT BELONG TO ME AND AND EXPERIAN THRU THERE DISPUTE HAS NOT CORRECTED THE ISUE IN OVER 4 MONTHS THIS DISPUTE STARTED IN XX/XX/2017 FROM XXXX INCORRECT REPORTING I HAVE PROVIDED ALL THE DOCUMENT NECESSARY TO BLOCK AND REMOVE THIS ACCOUNT ACCORDING TO THE FCRA AND EXPERIAN CONTINUES TO REPORT THIS XXXX ACCOUNT # XXXX ON MY CREDIT REPORT,