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

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the Equifax and XXXX Data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This company is in violation of my FCRA rights. This company is reporting multiple inaccuracies and violating my rights by reporting Charged Off Payments ( c/o ) monthly on a closed written off account. They also are in violation by updating balance monthly when this account last update should reflect XX/XX/XXXX. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

Attachments- XXXX attachment - proof payment last account activity should reflect XXXX XXXX XXXX attachment -Proof of incorrectly and inaccurately reporting payment history on a closed written off account. 

XXXX attachment-Proof of incorrect balance update on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, and XXXX XXXX  I sent certified letters to XXXX asking to verify this alleged debt with columbia debt recovery, Failure to Provide Verification Documentation XXXX should provide : 1. The specific method of verification used to confirm this debt.

2. Documentation supporting the legitimacy and ownership of this debt, including : The original signed contract or purchase agreement. 
Proof of chain of custody from the original creditor to Columbia Debt Recovery. 
Date of first delinquency with the original creditor. 
I received immediate response within XXXX hours that it was verified with no method of verification .under 15 usc 1681i this is now pending litigation and I expect this account be removed immediately from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXThe Following was not authorized on my Equifax or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that this inaccurate account be removed from my credit report as it is not mine and is the result of fraudulent activity. I implore you to take appropriate action to rectify this situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of consumer protection undermines trust in the platform and raises serious questions about Zelles commitment to safeguarding its users. I urge Zelle and financial institutions to address these systemic issues, improve dispute resolution processes, and implement stricter security measures to prevent future fraud and ensure accountability for all parties involved. Although my money was never recovered from this, I hope that preventative measures have been taken to help other consumers.
Product: Student loan

Nelnet will not allow me to access my account. Nelnet has provided a variety of excuses and is withholding information which may impact my ability to secure loans, etc.
Product: Credit card or prepaid card

Account closed with an aprox XXXX balance. Payments had been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax once in XXXX and a second time in XXXX regarding reporting inaccurate information concerning XXXX XXXX. Equifax is reporting an open date with XXXX XXXX of XX/XX/XXXX. One I have never opened an account with XXXX XXXX and they refuse to send me any kind of contract or documentation with me and XXXX XXXX. Two, Equifax is reporting a last active date of XX/XX/XXXX. How can there be an open date of XX/XX/XXXX and last active of XX/XX/XXXX? Last, Equifax is reporting a date of last payment of XX/XX/XXXX. I have never made a payment to XXXX XXXX and how can there be an open date of XX/XX/XXXX and last payment date of XX/XX/XXXX? Equifax has once again responded that this information is accurate.
Product: Vehicle loan or lease

I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. I noticed that I was reported 30 days late in XXXX & XXXX of XXXX. How is that possible? I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to BMW, I was. This must be some kind of error because since XX/XX/XXXX when I started this lease, I have always maintained a on-time payments and always pay more than the minimum payment. But yet, I was reported 30 days late twice? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
Product: Credit reporting or other personal consumer reports

Have spoke to XXXX, Experian, XXXX about XXXX XXXX  I did not give these companies permission to check my credit, Nor did i give the three credit bureaus written permission to release my information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information 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 receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX  XXXX .... Balance {$4600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

What happened This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and an auto loan opened at XXXX XXXX  XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
Hard Inquirers : 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 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

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!
Product: Mortgage

Hello, I paid off my loan with Cross Country Mortgage/XXXX XXXX in XXXX of 2021. Despite multiple calls to customer service, and after speaking with multiple service representatives and supervisors my $ XXXX escrow balance has not been refunded, and the lender has not provided any information regarding when I will receive my money.
Product: Debt collection

Debt collector called XXXX XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX , XXXX , TX XXXX Saying i owe {$8000.00} for an auto loan. They can not provide the company or account no from the original loan. I do not have anything on my credit report regarding this loan nor have they been able to give any specific information about what type of car or anything. If they can provide me with further specific information then i could verify if i owe or not. They said the company that had the loan was bought by another company. I dont want to pay something if its not mine. Please help! I did try to use the little info they gave me to see if i could find out anything but to no avail.
Product: Credit card

CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.
Product: Debt collection

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This XXXX never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the XXXX XXXX XXXX for causing to disclose customer information of a XXXX XXXX relating to consumers.
Product: Credit reporting or other personal consumer reports

I was denied car insurance and credit card based on consumer report from Lexis Nexis. I went to their consumer portal filled out the online request for consumer report. I provided my SSN #, full name, state driver license #, address, email address, and phone number. I also called and requested my consumer report. The date of my submissions was XX/XX/year>. I received no response till date. I requested my report again in XXXX, I received no response. I requested my report again in XXXX and still have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have this company Discover to remove this off my report. once i paid my bablance off they would remove this from my credit report. and it is still here reporting charged off but i paid the full balance off. can you please just remove the whole thing off my credit please
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX XXXX XXXX ) XXXX XXXX /XXXX  Account Number : XXXX, ( Equifax ) XXXX XXXX Account Number : XXXX, ( XXXX, equifax, XXXX ) XXXX XXXX   Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( Equifax ) XXXX XXXX Account XXXX
Product: Debt collection

I had my identification stolen and my bank account was hack. it was used to get loans. my bank was closed the account and order stop payments to the company. I have sent police report, Stop payment documents and account from bank and FTC report. 

XXXX XXXX was XX/XX/2022 {$2600.00} XXXX XXXXXXXX XXXX {$1900.00} was XX/XX/2022 XXXX
Product: Debt collection

I have received a debt in collections but I was not aware it would go to collects and in the state of Texas receivable performances does not a active surety bond. I have tried to dispute it but they were not able to do anything.
Product: Credit card or prepaid card

XXXX2022-I called the company and they just transferred me to another company that was a credit counselor who couldn't help they just told me to call XXXX XXXX and they just forwarded me to XXXX XXXX XXXX that the robot just hangs up on me. Plus I don't want to go this route. I want to negotiate with the company itself. I requested a hardship. Nobody cared. dead ends everywhere I go. The company is US Bank Visa. my monthly payment now is $ XXXX and they are charging me {$170.00} interest for the month of XXXX, 2022, {$140.00} interest for XXXX, 2022 and {$140.00} for XXXX, 2022. I will never pay this bill off and I told US Bank that I'm going to stop paying all together, and ill have to claim bankruptcy. I owe approximately {$8000.00} on this one bill and it never goes down. I can not keep paying this bill when only {$50.00} a month goes to the principal. its Ludacris. I am XXXX years old, XXXX  and I live on a limited income. Also I would never agreed to a 26.99 % interest rate, when im living off of social security.
Product: Credit card or prepaid card

In XX/XX/XXXX I lost my employment due to the Pandemic and country closure. I reached out and wrote XXXX which directed me to contact Synchrony. I wrote them several times and have been continuing to submit payments although it was very difficult to do so. Can you imagine im paying {$100.00} and only {$25.00} apples to my bill the stress im face with. As I await a response to my letter I am highly disturbed to be denied. I waited over a year and I understood because of the pandemic everyone worked from home but this can not be legal. I paid for insurance and when I needed the security I am being denied. It was a very difficult period in my life and while I struggling to maintain my minimum monthly payments I realized I was only being buried in high interest rates. This was very overwhelming to me not to mention I suffered from the virus causing me to quarantine on 3 occasions. I reached out to my credit card providers including XXXX ; to active my card insurance. I was ignored. My claim was never processed. Finally in XX/XX/XXXX when the mandated masked was lifted I was able to orally speak with someone in the card security department. I request my benefits to be active and adjusted to my initial claim period and was denied again. I continue to maintain the minimum payment although I struggle to care or myself and family. Its my obligation to pay my debt as I have insurance its Synchrony responsibility to honor my claim within a timely fashion ; not denied it 2 years later. 
I had insurance my claim should been approved I should be protect. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Legislation S.153/A.2382 Enacts The Consumer Credit Fairness Act, Which Would Address Abusive Debt Collection Practices Legislation S.4823/A.3359 Prohibits Utility Companies From Harassing, Abusing, or Oppressing Customers Connected to Residential Customer Complaints Legislation
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Final Dispute and Immediate Deletion Request for Fraudulent Accounts and Inquiries | Legal Notice under FCRA Re XXXX Identity Theft FTC Report XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and legal demand to delete fraudulent information from my credit reports across all three bureaus. I am a verified victim of identity theft. The attached FTC Identity Theft Report ( Report # XXXX, dated XX/XX/XXXX ) along with supporting documentation confirms this. 



DISPUTED FRAUDULENT COLLECTION ACCOUNTS : 1. THE XXXX XXXX XXXX Opened : XX/XX/XXXX {$200.00} 2. XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX {$2600.00} 3. XXXX XXXX XXXX Opened : XX/XX/XXXX {$5300.00} DISPUTED FRAUDULENT ACCOUNT : XXXX XXXX Reported Balance : {$830.00} Last Reported : XX/XX/XXXX UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquiries ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX IN XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LEGAL BASIS & FINAL NOTICE : Under FCRA 15 U.S. Code 1681c-2, you are legally required to block and delete any information resulting from identity theft within 4 business days upon receipt of my dispute and proof.

Continued reporting of this fraudulent data is a willful violation of my co
nsumer rights under FCRA 1681n & 1681o, and I will not hesitate to pursue legal action if these items are not removed immediately.

I am also invoking UCC 1-308, reserving all rights without prejudice.

WHAT I AM REQUESTING : Immediate deletion of all fraudulent accounts and inquiries listed above An updated credit report reflecting these removals within 30 days A written confirmation of your actions in accordance with FCRA compliance ATTACHED DOCUMENTS : FTC Identity Theft Report Government-issued ID Proof of address If this matter is not resolved, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the Ohio Attorney Generals Office XXXX and will initiate legal action under federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX without prejudice
Product: Vehicle loan or lease

I was led to believe that i was doing business with XXXX XXXX XXXX in XXXX XXXX Missouri and was going over the contract shortly after to see that the contract was sold right at the point of sale. Because the APR was extremely high and i didnt know at that rate if i would be able to afford it and i noticed that the contract said the finance would change daily which is another worry i had i know my credit wasnt the best and they didnt give me another option. But my problem was the TILA requires me to be able to return the vehicle in 3 days but they put a No Cooling Off period in the contract which made me tie my money up in the vehicle that i really dont have im a single mother of two and live pay check to pay check now i got to the point where im not paying on it because i cant get anywhere with the company that the loan was sold to which is FlagShip Credit Acceptance every time i ask about it they refer to me owing for the last couple of months and now just put my suv on the default department as of XXXX so it will be repossed anyday and i will have no way to work this whole ordeal has ruined my credit and is complacating my life. I dont know what else to do with the high loan rate and the violations these compianes are commiting i know as a consumer i have rights that protect me and i feel that ive been taking full advantage of. I wouldnt of enter in the contract if it woudve been explained to me in a langague that i could understand and rates that I could afford. As ive been researching i see violations of XXXX XXXX and FTC as i never seen nor recieved a opt out notice from nithier company annual or at the begging when i signed im in closing a copy of my contract. And you will notice there is not a no privacy policy anywhere on the contract which again is required per policy. I want them to make this right so i can get my life back on track instead of them ruining my credit and everything else by taking the truck i will lose my job and therefore want be able to support my family thank you in advance for looking into this matter i will be waiting on to hear from you.