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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Washington, DC XXXX  Ally Financial XXXX XXXX XXXX XXXX  MN XXXX  Re : Acct # XXXX  Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report inXX/XX/XXXX.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was XXXX XXXX XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XX/XX/XXXX.

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees.

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( Ally Financial ) is not a good indicator of my actual credit worthiness. I hope that ( Ally Financial ) is willing to work with me on erasing this mark from my credit reports.

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( Ally Financial ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Regards, Your Signature XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXXXXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. Below are the specific details of the inaccuracies : Property XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. Sincerely, XXXX XXXX
Product: Checking or savings account

I received an email on XX/XX/year> stating that my account balance was below the limit I set. Moments after viewing it I reviewed my account and found XXXX ATM withdrawals from various locations. There was a {$1000.00} withdrawal on the XXXX, XXXX, and XXXX. Along with a {$520.00}, {$1000.00}, and {$950.00} dollar withdrawal that were pending at the time. I immediately called Chase and they closed my card, requested a pin change, and told me that they would be conducting an investigation and I would get money back in XXXX business days. I later saw that the first XXXX {$1000.00} withdrawals ( XXXX XXXX and XXXX ) withdrawals were reversed, however the XXXX ( {$520.00}, {$1000.00} and {$950.00} ) that were no longer pending were not reversed. I waited a few more days as they had said to not call back before calling today, where they told me that the withdrawals were not reversed because they were " processed according to the information you provided or was authorized ''. Even though they were not my transactions, and to my knowledge, no different from the first XXXX fraudulent transactions that were reversed. On the call they stated if I wanted to further dispute the charges, I would have to get in touch with the vendors of the merchants directly as they weren't chase ATMs, but the only information I have regarding these merchants is a few letters and numbers, not enough for me to figure out where they even are. I want to clarify that I don't even know how to do an ATM withdrawal, I've never used one in my life, and I almost exclusively use XXXX XXXX for my in-person purchases. My card was also always in my possession up to the point of the initial call, I then cut up the card and threw it away knowing it was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. THEY DO NOT BELONG TO ME. CHECK FTC REPORT FOR ACCOUNTS. 


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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Account Numbers 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 2. XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Consumer Loan

Due to circumstances out of my control I got behind on my line of credit w Citibank. I called them upwards of 100 times to try and restructure my loan while I continued to make payments. They suggested that I apply for a loan modification but conveniently over a year went by and each time I submitted documentation they claimed to not receive all of it so I was constantly sending I 'm document after document only to be told that the previous documents had expired even though I had already sent in ALL required info. Conveniently everything was always 'lost ' and no human existed in the front in which the forms were sent to verify receipt. Very very sketchy. This went on for well over a year, possibly two. The answer was always some bs about how you had to qualify when the joke is that honestly probably no one ever qualified. They make zERO effort to help people who actually intend to pay money back and pay their bills and have no interest in making it right after the fact in terms of credit reporting or late charges which is fully in their control. Sadly the people who rarely pay their bills seem to have more privileges. What a world. I wrote to Citi explaining the situation and they could n't care less. Shocker. A XXXX dollar company not caring about a lowly customer ... so uncommon for big banks to treat their customers poorly..hmmm ...
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA

), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccuracy XXXX XXXX ( XXXX ), XXXX  XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED MIDLAND CREDIT MANAGEMENT WAS NOTIFIED BY A CEASE AND DESIST DATED XX/XX/2023. XX/XX/2023, LOOKING AT MY MOST RECENT CREDIT REPORT, MCM HAS VIOLATED THE CESE AND DESIST. THIS IS NOW SUBJECT TO LEGAL ACTION. NOT ONLY THIS HAS HAPPENED, WHO IS THIS COMPANY AND WHO ARE YOU REPRESENTING BECAUSE I HAVE NEVER HEARD OF YOU. ITHIS IS AGGRAVATED IDENTITY THEFT TO THE HIGHEST EXTENT BECUSE THIS ACCOUNT DOES NOT BELONG TO ME. 

MIDLAND CREDIT MANAGEMENT HAS COMMITTED SERIOUS VIOLATION ( S ) WHEN IT PERTAINS TO MY CONSUMER RIGHTS. MCM IS IN VIOLATION IS IN VIOLATION OF : 1.5.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 2.15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 3.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 4.15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 5. 18 USC 1028- AGGRAVATED THEFT 6. 15 USC 1692 e ( 8 ) - FALSE OR MISLEADING REPRESENTATIONS 7. 15 USC 1601- TRUTH AND LENDING ACT MCM ALSO VIOLATED A CEASE AND DESIST ORDER ( CEASE AND DESIST SENT XXXX  ) EVERY VIOLATION THAT HAS BEEN COMMITTED, I WILL BE SEEKING {$20000.00} PER VIOLATION. YOU HAVE 3 DAYS TO RESPOND AND REMOVE OFF OF MY CREDIT REPORT ( S ).

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Account that were under my bankruptcy are still on reports and they shouldn't be before or after because I never gave consent to share any my information with anyone. I tried to resolve this matter on my own several times over the last couple years. I been dealing with this from XX/XX/2021 and I am tried they not responded to me as of yet with requirements I asked for. I have not received a response from them in over 90 days sense as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.
Product: Credit reporting or other personal consumer reports

I am sending to follow up on my previously submitted complaint dated XX/XX/2023, in which I detailed my unfortunate experience as a victim of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I would like to reiterate the urgency of the situation and emphasize the imperative requirement for the prompt removal of fraudulent inquiries and associated information from my credit file. As stipulated by the mentioned section, Credit Bureaus are mandated to remove any items listed on an identity theft report not later than 4 business days. I have enclosed, once again, the pertinent details of the reported issues, including the ID THEFT REPORT # XXXX for your reference. Additionally, I express reservations about the accuracy of the details provided by the Credit Bureaus concerning these items, as they remain unknown to me. For your convenience, I have outlined the specific items that require immediate removal from each Credit Bureau : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I faxed a letter to the bureau asking for their method of verification. I have attached the fax confirmation along with a copy of the original letter. I want the information in question to be deleted immediately because it has taken more than 30 days to respond. I've also reported that my ONLY address is XXXX XXXX XXXX XXXXXXXX, NC XXXX
Product: Credit card or prepaid card

A few months ago I paid down my Key Bank credit card to XXXX. I worked really hard to pay down my CC to XXXX. I am proud of myself for paying down my CC to XXXX. 
Thinking that my CC balance is now XXXX, I did not make a payment one month. Next statement there is a {$20.00} charge from an auto pay from XXXX or XXXX  or something like that that I didnt expect AND a late payment fee of {$39.00}. I called and asked to have the late fee removed ( who knew there would be a minimum payment due on a {$20.00} balance anyway??? ), the person on the phone said I already made a requested to have a late payment fee removed and therefor exceeded all my options to have this fee removed. I paid the {$20.00} charge. Next statement there is a balance of {$39.00} and a late payment fee of {$39.00}. I called the bank band to asked them to remove the fees, or I will cancel my card, which I did because of course they wouldn't. ( and I remember the guy who closed my account saying the account is closed and I had a XXXX balance ). The next statement after that shows a balance of {$80.00} and yet another late payment fee on my now closed account. Now I am threatening to cancel all my accounts with Key bank because I have over {$100.00} of late payment fees for late payments of late payment fees. They still refuse to remove to the fees. I have a very high credit rating, and do not want this fiasco messing that up.
Product: Credit card

This incorrect late payment on my account is causing me considerable pain, especially given my accurate payment history. I would like you to correct this error immediately by removing it from my account as it does not accurately reflect my payment habits.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been victimized by identity theft and have promptly reported the incident. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit card or prepaid card

Letter XX/XX/XXXX Dispute XXXX says We've issued a permanet credit {$15.00} What date did merchant pay? THIS IS A NEW PURCHASE XX/XX/XXXX Letter XX/XX/XXXX {$25.00} Permanet Credit became a NEW PURCHASE XX/XX/XXXX What date did merchant pay this? XX/XX/XXXX Dispute XXXX {$17.00} What date did merchant credit? What date did USAA credit?
Product: Checking or savings account

ON XX/XX/14 I WENT TO XXXX XXXX to put in gas. the pump took my card but would not pump gas. i pulled up to the next pump where i entered my card again and that pump worked i filled it up for about XXXX dollars and change. I checked my account as i arrived to work maybe XXXX mins later and i saw my XXXX dollar charge and the XXXX dollar charge. 
i called the bank chase right away and said someone must of used my card to fill up their car for whatever reason did not work for me but worked for them. they told me they would send me new card to dispose of old card and they reimbursed me. 
i got XXXX texts to call them about the claim and every time i did with the same story. 
someone used my card to get gas after i left. my car does not even take XXXX dollars you can see in my history i have never put that much gas in. 
the bank denied my claim saying since i had card my possession i approved the transaction which in no way did i approve someone to steal from me. 
Chase basically stealing my XXXX dollars and when i made the claim the cs rep hung up on me.
Product: Credit reporting or other personal consumer reports

I am disputing an alleged debt with Rent Recovery Solutions, a debt collection agency. I initially requested debt validation, including a detailed breakdown of the debt, a purchase agreement proving their authority to collect, and proof of my wet signature on any agreement binding me to this debt. Instead of providing proper validation, they sent me a copy of a lease and a move-out bill, which do not satisfy the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ). 

Upon further investigation, I found that Rent Recovery Solutions is not licensed to collect debts in XXXX, as verified through XXXX XXXX XXXX. Continuing to pursue this debt without proper licensure violates FDCPA 807 ( 5 ), which prohibits misrepresentation in debt collection. Additionally, reporting this unverifiable debt to credit bureaus violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. 

Despite my first dispute, Rent Recovery Solutions has not provided sufficient validation or ceased collection efforts. Their actions are unlawful and harmful, and I am now seeking CFPBs assistance to resolve this matter and ensure compliance with federal and state laws.
Product: Debt collection

I have made pervious attempts to have the agency validate this " debt '', each time I get a response from them it is the topic of repayment of this invalidated debt. The last letter said they will stop contact with me but still continue to report this invalidated debt on my credit report.
Product: Consumer Loan

On XXXX XXXX, 2015, I submitted a letter to Ally Financial regarding issues with respect to a vehicle loan financed by Ally for XXXX XXXX XXXX in XXXX, California. Among other things, I requested that Ally respond to my issues. I have yet to hear from them. I have tried repeatedly to contact them but my calls go to unqualified personnel in the XXXX. They refuse to give me a direct contact person, email or phone number.