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

I am writing to formally dispute the accuracy of the late payment entries reported by your company to Transunion regarding my account XXXX. It has come to my attention that these entries are inaccurate and do not reflect the actual payment history of my account. 

According to my records, I have consistently made timely payments as agreed upon in our contract. The reported late payments for the XXXX, XXXX, XXXX XX/XX/year> are not only erroneous but also damaging to my creditworthiness and overall financial standing. 

I am requesting that you thoroughly investigate this matter and provide me with a detailed account of the reasons these inaccuracies were reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any erroneous information contained in my credit report, and I expect a prompt response from you regarding this matter.

One mistake I noticed it that I made a payment in XXXX but you are reporting me 30 and 90 days late in XXXX & XXXX. I demand that you immediately take steps to remove them from all credit reporting agencies. Failure to correct this misinformation will leave me with no choice but to pursue further actions, including contacting the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies. 

Thank you for your attention to this urgent issue. I trust that you will handle it with the seriousness it deserves.
Product: Credit card or prepaid card

Hi I received explicit email from Best Buy Citi Bank credit card on XX/XX/XXXX offering me {XXXX0} in gift card if I spent over {XXXX} or more at the Best Buy store. I spent {XXXX} and waited paintely to receive the bonus offer. But I never did. I called in XX/XX/XXXX and was told it can take little more time. Finally called back today and was on phone with XXXX at XXXX XXXX and credit card to get to my {XXXX} gift card but no one knew what i was referring too. I offered over 5 different associates that I can forward the email I had received for This offer but no one listened. 
I finally decided to close my card but never actually wanted to close it if my initial issue was resolved. The closing department never read me the required disclosure to close my card. In fact when I called back supervisor XXXX confirmed too that I was going to call back later to close the card after I speak to rewards department. No where during our conversation I said YES I accept to close this card. No disclosures by law were to me and nor acknowledged either. Best Buy - Citi Bank handled this issue very poorly. 
When I called back few minutes later they denied to reopen the account stating they heard the call that I asked for Card to be closed. I politely begged to escalate the issue but no results. Most calls were to overseas employees which were in different in handling simple issue.
Product: Credit reporting or other personal consumer reports

One main financial has not showed me proof of a late payment thats showing up on my credit report
Product: Student loan

I see there are some student loans reflecting on my credit score I dont know where these loans have come from and would like for them to be immediately removed from my credit score because it is affecting my credit score. Who ever it is that had this submitted to my credit report is also illegally doing so by law.

15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ;
Product: Money transfer, virtual currency, or money service

Hi I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX XXXX XXXX, 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.
Product: Money transfer, virtual currency, or money service

My Wayfair account balance has not been updated for over 4 months and is missing nearly {$100.00}. I have spoken to numerous agents at Wayfair and on four separate occasions was promised that after some amount of time, usually around 5 business days, the issue would be resolved. After the time elapsed, Wayfair did not update the account balance and emails sent did not receive a response. Later follow-ups did not reveal any information about the nature of their investigation into the issue and when I got far enough effectively reset the time I needed to wait. 

This is not an issue with Citi bank who have confirmed that their systems work. In addition the credit card terms are clear that Wayfair is responsible for account balances on their website.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX {$6300.00}, XXXX XXXX  balance {$2900.00}, XXXX XXXX balance {$410.00}, XXXX XXXX XXXX  balance {$920.00}, XXXX XXXX  balance {$0.00}, XXXX XXXX XXXX balance {$160.00}, XXXX XXXX XXXX balance {$770.00}, XXXX XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$190.00}, XXXX XXXX balance {$250.00}
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I never agreed to authorize this loan. The loan was agreed upon by the co signer. I did not sign any loan to give my approval to commence such loan. I have contacted Discover student loans to explain that I had nothing to do with the origination of this said loans. I do not have a way to pay back any loans and at the time of said loan I was not capable of paying a loan or can sign for one. I had no credit to sign for one nor do I have credit today to acquire a loan. I demand a signature by me approving this loan. Thank You
Product: Mortgage

Loan are still hasn't received my money. Everytime that they call and leave a callback number, the phone number sends me to the phone tree, which hands up on me since my loan is no longer with XXXX. I have no way of speaking to someone, it just keeps hanging up on me
Product: Debt collection

I received a call from a rep of this company on XX/XX/XXXX @ XXXX XXXX # XXXX - by the name of XXXX XXXX. Within the first 50 seconds of the call I informed him that I was at work, and could not talk about the matter at this time. Over the last two weeks, I received calls from two other  representatives informing of the same ( XX/XX/XXXX @ XXXX XXXX # XXXX ) ( XX/XX/XXXX @  XXXX XXXX # XXXX ), that I was only able to speak to someone after business hours - and for me that ends at XXXX XXXX  EST. After informing XXXX XXXX that I was unable to speak about the matter he went on to badger me, insult me, and tell me to be honest, also telling me I have had plenty of time to take care of this matter since the date of service is from XX/XX/XXXX. However, they only have sent two statements ( which I have not yet received ), and called 3x ( since XX/XX/XXXX) - I am sure that they have just recently bought the account/debt from the original creditor. When I asked him for his managers name/number, he was not willing to give that information immediately, he instead told me to just take care of my bill. He was unprofessional, rude, condescending, and insulted me on numerous occasions, all the while, breaking the law, by continuing on with me when I told him from the beginning I was at work, and could not talk - even going on to say " This is a cell phone right, well how do we know where you are. '' Within the first 50 seconds - he was told on a " recorded '' line that I was at work, and could not speak about the matter. Therefore, violating 15 USC 1692c section 805 ( 3 ).
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

For years, Mohela ( previously XXXX ) has held my private student loans. I have had this private student loan that started with XXXX XXXX and is now with XXXX. The loan started in XXXX or XXXX not 100 % on the exact date. The loan has a variable rate interest and has since the start of the loan as far as I can recall. Now my parents have been covering the cost of the this student loan. The payments have been made every month, on time, for more than the minimum required the balance just seems to be going nowhere. My father tried to contact them before to see what was going on but they refused to speak to him about anything even though he is cosigner on the loan. 
XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my medical records. They are reporting 2 accounts
Product: Credit reporting or other personal consumer reports

I seek relief from XXXX XXXX XXXX to cease reporting late payments or Charged Off status on my credit profile any to agencies such as Equifax, XXXX, and XXXX for XXXX XXXX XXXX Account No. XXXX in the My name XXXX XXXX. Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX  and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS
Product: Credit reporting

My identity was stolen in 2009 and this account, along with a few others, was opened. From what I can see on credit report, the family member who stole my identity was making payments on the account until he was put in jail. I have not benefited from this account nor have I used it. I would like the account removed from my credit bureau report.
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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

In accordance with the Fair Credit Reporting Act Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I had contacted the company Paramount Recovery Services regarding this medical account that they purchased in XX/XX/XXXX from an ER visit in XXXX. I had advised that my insurance would cover it and it was removed from my XXXX credit report XX/XX/XXXX but has yet to be removed by XXXX. I would like this information to be updated on my XXXX account as this debt has been dismissed.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Information and Request for Identity Verification Dear Jefferson Capital Systems, I am writing to formally dispute inaccurate information regarding an account listed by Jefferson Capital Systems on my credit report. The account details are as follows : Creditor Name : Jefferson Capital Systems Account Number : XXXX Amount : {$1900.00} This account is reported inaccurately numerous of times and without proper verification of my identity. I am requesting that you investigate and provide documentation to validate this debt, including proof that this account is accurately attributed to me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Verification of Account Ownership and Identity : Please provide all documentation proving this debt is mine, including original signed agreements and evidence of identity verification at the time of account origination. 

2.Immediate Correction or Removal : If you can not verify that this account is legitimately linked to me, please take action to remove this inaccurate information from my credit report. 

This account is currently harming my credit, and without proper verification, I believe it should not be reported. I request that you respond in writing within 30 days, confirming the outcome of your investigation and providing an updated credit report if changes are made. 

Thank you for your attention to this matter. 

Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On or about XXXX XXXX I received a Notice from Original Creditor XXXX XXXX XXXX original account XXXX. Current Creditor : GCFS , Inc . account XXXX for balance due {$65000.00}. That XXXX XXXX XXXX signed a lease agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance the vendor XXXX. Provide XXXXXXXX XXXX in name XXXX XXXX, and i am responsible for the default payment of that balance and provide lease agreement alleged that I signed electronically as a member of XXXX  and personal grantor, On or about XX/XX/XXXX XXXX. GCFS, INC filed lawsuit against me and XXXX XXXXXXXX .alleged that I am signed a personal guarantor and XXXX XXXX  sold and transferred the debt to XXXX XXXX XXXX XXXX XXXX on XXXX. And the account was assigned to GCFS, Inc, I am. and all times. Reside and work as a XXXX with my family in XXXX, and I never be a member of XXXX XXXX and I never signed this loan electronically, and after search I find that XXXX XXXX. Filed bankruptcy XXXX  XXXX from XXXX. And there is no XXXX XXXX XXXX at this location. And never be. XXXX XXXX XXXX XXXX at this location I filed respond to the court. And with this defense, but the problem. XXXX XXXX Report this in my credit and I dispute the report. And hired. Attorneys. And paid a lot expenses fees. Plus the flights expenses to come to USA. To appear in court. And a actual damages to leave my XXXX XXXX in XXXX otherwise I will be in default in court
Product: Checking or savings account

I have a a Wells Fargo account and they was allowing consumers to take money out my account knowing it wasnt enough money in my account so that they can charge over draft fees after XXXX hrs when they say 3 days to add money to the account but they only allow the auto pay to go through if a I have change in my account if there was a XXXX balance they dont take out anything!
Product: Credit card or prepaid card

I have requested American express to review the billing issue which is overly charged me, XXXX never returned the money which stated I have the credit in my cold card activity end of the year XXXX, erred to put in the monthly statement show credit me, it indicated the summery of the each transaction and monthly statement are not matched, it is wrong to have this kind of practice, I have contact American express in early XXXX, it misled me that they credit me showing the monthly statement, I truly believe American express never refund me the money after I found out the balance of summery of the activity in XXXX, XXXX is different from of the balance of monthly statement, since then I contacted american express multiple times each month customer service regarding this issue, they ignored me.I filed case no. XXXX, wished to upload documents online to proof American express owes me {$11000.00}, I was not allowed to upload the documents, I sent email the attachment to customer service, got return the files today on XXXX