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

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Bank account or service

A check drawn on a local bank that I deposited on XXXX XXXX is being held until XXXX XXXX, even though with the advent of electronic banking checks are clear in one to two days according to the FDIC. Thus, the banking industry is " floating '' these collected funds while harming my credit or exposing me to overdraft fees.
Product: Credit reporting or other personal consumer reports

The Fair credit reporting act has not been upheld by Experian, XXXX and XXXX. There are multiple inaccuracies, unverified and unfair information being reported on my consumer disclosure report. 

Experian Credit cards and Credit lines XXXX XXXX XXXX -was not my account XXXX XXXX XXXX  XXXX -was not my Account *fraud XXXX  XXXX XXXX -was not my account XXXX XXXX XXXX XXXX -was not my account XXXX XXXXXXXX XXXX XXXX XXXX -was not my account * Fraud Public Records- Bankruptcy Case records that are unverified and not validated by the court. 
XXXX Bankruptcy XXXX XXXX Ky XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX. XXXX Us bankruptcy court XXXX XXXX XXXX Inquiries There are 10 unverified and fraudulent inquiries on my report that I did not authorize to be reported bad did not initiate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 card or prepaid card

I received a vanilla gift card for my birthday on XX/XX/2019. I used the card to make a purchase and then returned the item. The card was refunded however, there was fraud on the card and the account was drawn to a {$0.00} balance. I have filed disputes many times with the Company Vanilla. Its been months and I dont have replacement card and Im out the {$100.00} that was on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I had taken out a loan with Kashable Account # XXXX in the amount of {$2500.00} which was to repaid via payroll deductions. This was a service that was offered to XXXX XXXX. The installment payments were to be in the amount of {$120.00} a pay period ( bi-weekly ). However, in XXXX of XXXX I became sick with XXXX XXXX and had to take an early retirement form XXXX XXXX. As a result of my illness I was not able to make my payments and was not able to contact Kashable until XX/XX/XXXX. At this time I offered to pay Kashable {$50.00} per month until the loan was paid off. This payback offer was accepted and a new agreement was signed for this payment plan. The first payment was due on XX/XX/XXXX ( Direct Payment ) and since that date I have not missed a payment. 

The problem is that Kashable has consistently show me 30 days late each and every month causing my credit score to be affected. I have tried to have the credit reporting agencies attempt to get this corrected but I have had no luck. I have also contacted Kashable directly and they have stated that although we have a new payment plan I am still late in making the original loan payment. I have a signed new payback agreement from Kashable accepting the new payment plan and have lived up to my end. 

I have contacted other companies that I owed and they worked with me to reduce my payments and adjust my credit. Kashable should at least reflect my account to show " Paid as Agreed ''. This has had a very negative impact on my credit score and needs to be corrected. 

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

I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both XXXX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA 15 U.S.C 1681. 

XXXX INACCURATE REPORTING XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX JPMCB  - XXXX XXXXE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CARES ACT VIOLATION I am writing to dispute a Late Payment being reported by XXXX XXXX XXXX XXXX to my consumer report. I am requesting that the Tradeline be UPDATED to PAANL ( Paid As Agreed Never Late ) immediately due to XXXX XXXX XXXX XXXX violating the FCRA under the conditions outlined in the CARES ACT. The CARES Act explicitly states that if a consumer is granted payment relief or extensions then the grantor can not report the consumer as being Late on payments. 

The CARES Act was signed into law on XXXX XXXX, and Violations of the CARES Act protections will be enforceable under the FCRA once a consumer lodges a dispute with a CRA, thus triggering a furnishers reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). The CARES Act provision is considered in pari materia with the standard for accuracy under the reinvestigation requirements of CRA-referred disputes under section 1681s-2 ( b ). Therefore, the CARES Act provision informs those reinvestigation duties. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that XXXX XXXX XXXX XXXX provide proof that they complied with the FCRA and ALL its mandated rules when it comes to the Provisions and Protections given to consumers under the CARES Act. I request 100 % certified and authenticated proof that XXXX XXXX XXXX XXXX was compliant with the FCRA in accordance with the CARES Act. 

Please be advised that you are reporting inaccurate, incomplete, and erroneous information on my credit report. The mere fact that you are reporting the Late Payment constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

If you can not provide this proof, according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the LATE PAYMENT must be UPDATED on my consumer report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged XXXX XXXX but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX XXXX XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/2023 I sent in a request to view other plans after having been enrolled in the SAVE plan. The website will not show me other plans unless I cancel the SAVE enrollment for a fee, and I may be charged a difference later if I reenroll. The payment for income-driven repayment is {$960.00}, and my original payment that was not on an income driven plan was {$650.00}. I can not afford to make this higher payment, and I have had no response from Aidvantage regarding my email in over a month.
Product: Debt collection

They keep calling me looking for an ex-employee from years ago. I have responded and requested they remove my phone number ; said they would but continue to call.
Product: Money transfer, virtual currency, or money service

my money amounting to XXXX XXXX was lost at my paypal account XXXX. 
my account was hold for 180 days. before 180 days my money was no longer available when i checked
Product: Credit card or prepaid card

NetSpend sent me two separate emails indicating that I should expect a credit card in the mail from them that they claimed I ordered. I did not order any such services, nor have I ever been a NetSpend customer. Upon contacting their dispute team to determine if my identity was stolen, they confirmed that the email was fallacious, and that it was merely a marketing campaign.
Product: Mortgage

On XXXX XXXX, 2021 I signed and personally delivered to Truist XXXX, XXXX XXXX XXXX, XXXX, GA my signed XXXX XXXX XXXX Notice which will be attached to this complaint. The XXXX XXXX XXXX after an hour of determining what to do with the document, handled the transmission of the document to the appropriate department. The bank ignored this XXXX of XXXX and reported the loan to all three credit bureaus on XX/XX/XXXX. The HELOC was new and not a refinance and therefore complies with the XXXX day right of recissoin and nothing should have been filed or opened until XXXX XXXX, 2021. The Bank also filed as of XXXX/XXXX/XXXX1 the Security Deed against my property. Recorded in Deed XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The bank is aware of the issue because it has assigned someone from its XXXX office to investigate. The bank is in violation of XXXX XXXX. The bank is not doing anything to clear this matter except talk.
Product: Credit card or prepaid card

Promotional material s from Synchronicity Ba nk stated the annual fee for a "  XXXX   XXXX   XXXX  '' would be waived for the first year. The first billing statement, however, charged mea a  XXXX  fee. This is an obvious attempt to collect a fee which is undisclosed in the hope the consumer will not notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 XXXX XXXX did a hard pull on my credit report causing a negative effect. i do not know this company nor did i authorize this credit report pull. please remove it. 


on XX/XX/2019 XXXX XXXX XXXX  did a hard pull on my credit report causing a negative effect. it was discussed and made clear that ONLY a soft pull would occur, not a hard pull. and, that a soft pull would in no way impact my credit score. please remove.
Product: Payday loan

I applied for a loan XXXX 2014 for car repairs. I was granted a {$500.00} short term loan because my credit score was too low to receive a regular loan. When I explain that I wo n't be able to pay the loan in full the following pay period, they told me I can pay installments of {$82.00} to get the balance down. I have been paying on this loan every month only late XXXX time and my balance is {$570.00} from the beginning balance of {$670.00}. When I questioned the manager about the balance she stated that I would have to pay more than what is required in order to lower it. That was never explained when the loan was processed. This company is only applying my payments to the reoccurring finance charges instead of the loan it self. I will never finish paying for this account like that. I asked if I could be place on a better loan with my payments to be applied directly to the balance. They stated my credit score was still too low to have that type of loan. So far I have paid Instaloan over {$900.00} in payments.
Product: Credit card

I reported this as identity theft due to the fact that is not my debt but Im having a very hard to removing this so Im willing to pay this debt thats not mine to get it removed
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I purchased a mortgage loan in foreclosure on    XXXX   XXXX  ,   2017.   As  of today  XXXX   XXXX ,    2017 ( 79 days ) I still have not received the Warranty Deed for this purchase. I h ave been in constant contact with the foreclosure attorneys but, still no results from the mortgage Co. Under GA l aw Code Section 44-14-3 bo th lenders & servicers can be liable to the borrower/grantor for failure to cancel a security deed within 60 days of full payment. Full payment was made on  XXXX   XXXX ,  2017.  The address of the foreclosed property is  XXXX    XXXX    XXXX ,  XXXX  GA.  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian remove to investigate the XXXXXXXX XXXX XXXX  XXXX that they have on my report since XX/XX/2022. Since then I have sent a dispute letter every month and receive no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 
Experian is violating my consumer right by not providing any documented evidence that they did the investigation. 
Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. 

I have been disputing this issue with Experian for over 120 days and the lack of action as jeopardized my ability to buy a house. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BA Balance {$340.00} Open Date XX/XX/XXXX XXXX  Balance {$9000.00} Open Date XX/XX/XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$800.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX Date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account was removed from my XXXX credit report. Please remove from my Equifax account and XXXX account. Attached is the proof from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX, XXXX XXXX acct # 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 or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

I have spoken to several employees of this creditor on more then several occasions capital One bank. I have not given authorization of this account to open in my name. I have been going back and forth via written and verbal response with this creditor and nothing is being removed from my XXXX report. Starting from XXXX. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account or transaction that appears on my credit report. This account was opened or reported without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related identity theft protection laws. 
ber : FCRA & Identity Theft Violations Related to This Account : 1. Unauthorized Reporting of Fraudulent Information ( 15 U.S.C. 1681b ) Credit reporting agencies must ensure that only authorized and legitimate information is included in my credit report. 
2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) If I dispute fraudulent information, the credit bureau is legally required to conduct a proper investigation within 30 days and remove unverifiable or fraudulent data. 
3. Fraud Alerts and Security Freezes ( 15 U.S.C. 1681c-1 & 1681c-2 ) As a victim of fraud, I request that a fraud alert be placed on my credit file and that any unauthorized accounts be blocked from further reporting. 
4. Identity Theft Protection ( 15 U.S.C. 1681m ) If this fraudulent activity resulted from identity theft, the FCRA requires credit bureaus to take appropriate actions to protect me from further harm. 

Requested Action : Immediately remove the fraudulent account or inquiry from my credit report. 
Place a fraud alert on my file to prevent further unauthorized activity. 
Provide me with a corrected copy of my credit report reflecting these changes. 

I have attached several copies of my identity theft report, supporting documents to verify my claim.
Product: Vehicle loan or lease

We went to go trade in the vehicle and did all of our homework. Upon arriving at the dealership, we were prompted by XXXX XXXX that Ally charges are higher amount to the dealership if we want to trade it in at the end of the lease. The dealer referenced that their dealer payoff is {$20000.00} while the lease clearly states a residual of {$15000.00}. Nowhere in the lease does it state that the residual would be higher to trade in the lease. Ally wont respond to our numerous complaints. They did offer to shave {$2000.00} off the dealer payoff in their direct communications to the dealer. The car has a XXXX trade in of {$13000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, Experian, and XXXX ) : XXXX XXXX XXXX : XXXX **Discrepancy** : The status, Status update, Balance Updated, and address of Kohls are all different across all 3 credit bureaus This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected. 
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Your Signature ( if sending a physical letter ) ] ---