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

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/2024 and XXXX XX/XX/2024, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I contacted via Certified Mail Mobiloans llc. about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. 
I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. 

I received no response. 

All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report with XXXX  over 30 days regarding fraudulent accounts. The account were not removed. I provided a police report and FTC report and nothing was done. I called back to XXXX  and spoke with XXXX at XXXX XXXX  on XXXXand he stated he would not file a dispute for the following accounts below : US DEPT OF EDUCATION US DEPT OF EDUCATION US DEPT OF EDUCATION XXXX  XXXX  XXXX XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have sent several complaints to Transunion about their online issue with my account, and they claim that they can do nothing about the problem. They don't offer me any solutions to be able to access my online Transunion Report. Per the Transunion Website, I should be able to receive a brand new report every XXXX hours on their site. Also, today I reported immediately a fraudulent hard inquiry by the name of XXXX. I do not have an account with this company, and have tried to reach XXXX to remove the inquiry, but they said they can do nothing about it. Transunion told me that I had to create another FTC report, but said they would do nothing about the problem, so I wish to open up a report here. Please Remove this hard inquiry : XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

ATTENTION: (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Illinois XXXX XXXX
 EMAIL: XXXX
 I WOULD LIKE ALL OF MY UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, PUBLIC RECORDS, AND CLOSED ACCOUNTS, REMOVED. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. PLEASE APPLY THESE LAWS TO MY ACCOUNTS: THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 (XXXX) FAIR CREDIT REPORTING ACT (FCRA) 15 U.S.C.  1681 (FCRA) ACCOUNT NAME: XXXX XXXX DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: Automobile ADDRESS: XXXX XXXX XXXX XXXX , TX XXXX  NUMBER: XXXX XXXX REASON: Collection/ChargeOff ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: Automobile ADDRESS: XXXX XXXX XXXX XXXX XXXX  , GA XXXX  NUMBER: XXXX XXXX REASON: Late payments ACCOUNT NAME: XXXX XXXX DATE FILED: XXXX XXXX XXXX  TYPE OF ACCOUNT: Credit Line Secured ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX  NUMBER: XXXX XXXX REASON: Late payment  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: XXXX XXXX ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , TX XXXX  NUMBER: XXXX XXXX REASON: Collection/ChargeOff  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: N/XXXX   TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES  ADDRESS: XXXX XXXX XXXX XXXX XXXX MN XXXX-XXXX   REASON: CLOSED/CHARGEOFF  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX   TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES ADDRESS: XXXX    REASON: DON'T RECOGNIZE  PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS NAME OF INQUIRY & DATE: XXXX XXXX XXXX XXXX XXXX  IL XXXX  PLEASE REMOVE THE FOLLOWING ADDRESSES FROM MY ACCOUNT. I HAVE NEVER LIVED AT THE ADDRESSES LISTED BELOW NOR HAVE I GIVEN ANYONE AUTHORIZATION OF THESE ADDRESSES. INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX XXXX XXXX IL XXXX    INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX ILLINOIS XXXX  PLEASE REMOVE THE FOLLOWING EMPLOYERS FROM MY ACCOUNT. THIS INFORMATION DOES NOT APPLY TO ME. INACCURATE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chase Notorious bad practices manipulating information trying to sell me there XXXX credit monitoring XXXX providing/stating to correct such like the tell me I have late payments et ALL A XXXX XXXX  advertising no credit check preaproval credit cards etc then the pull a credit check anyway then deny stating bad previous bank relations as there trying to monopolise the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My DOB XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

regarding my dispute with XXXX XXXX on XX/XX/2020 amount of {$1900.00}. The company who charged my card, they forged my signature. I have provided my Driver License and my signature to XXXX XXXX to show proof of signature that was not my signature but XXXX saying I'm responsible for the charges. i did email 4 times to XXXX XXXX and fax to them but when i call to follow up they say we don't have the information i sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a MASSIVE SECURITY BREACH of sensitive information that has effected XXXX XXXX accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX BANK ACCOUNT NUMBER XXXX This is indeed a Violation of Title XXXX XXXX XXXX. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed information on my credit report with XXXX. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, XXXX is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with Westlake Financial Service, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. XXXX   violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. XXXX   recently verified this account as being accurate. But how is that? I recently wrote Westlake last month and I have not heard from them ( 30 days ) 2  ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXXXXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, XXXX   has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to you formally to express my concerns regarding Zelle 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 XXXX felt to investigate my claims adequately they inform me that recovering loss funds was impossible, and that tracking the transaction was unfeasible. The CFPB indicate that Zelle has not only neglected to protect consumers, but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams
Product: Checking or savings account

I have deposited a check on XX/XX/XXXX and it was suppose to be available on XX/XX/XXXX. However Chase bank has placed a hold on a check for future verification. I have contacted Chase bank at least 6 times with a total of 8 hours of phone time trying to resolve this issue.

Chase states that in order for them to release the funds I should provide them with a phone number of the issuer. And I have done so. I have contacted the issuer and asked for at least 10 different phone numbers for chase to call and verify but Chase states that those phone numbers are not valid for the company and they do not have any valid phone numbers for the issuer in their system.

Chase states that the only ways to remove the funds is to either go inside the branch together with the issuer ( which is not possible since it is an insurance company across the country ) or to have the issuer call back the funds and reissue the check. 

I have contacted the issuer about recalling the funds and they told me since it was already deposited there is no way to withdraw the funds and I will attach the copy of the email from the issuer for the records. 

Basically my funds have been stuck at chase for a month and i really need them. I am out of options and just trying to get the funds. 

Also chase has closed my account and refuses to send me the funds that are on the account to my mailing address by check.
Product: Payday loan, title loan, or personal loan

I have a loan with this company for a furnace unit. I've paid on time for my monthly installment for the past 5 years. There was one month when the company changed from XXXX to Capital for Change or XXXX.In XX/XX/2022 I went to make my final payment on this loan, only to find out you can not pay on line and must call to speak with someone who will send you a payoff request document. This document must be filled out and returned which I did. Once I recieved my payoff notice hood until mid XXXX, I found a late fee for for the time the company had changed names and website. I asked that this fee be removed as it was their website issue and so I could payoff the loan. I was told that I had to speak with customer service on a {$20.00} fee. I have had a string of emails and phone calls without resolution. The customer service stated they would waive 1 fee and I said there was only one, I was then told there is now another fee because I did not make payment ontime. I explained to the customer servie representative I'd like to speak with their supervisor, that it was ridiculous that they are attempting to charge me another fee and unwilling to waive it when it was their system that had the error and then when I looked for resolution they took over a week to respond, only to state there was another fee. 
Now I have recieved a letter threatening collections and the problem has not been resolved. I have had calls between myself and my wife to this company over the past week and their supervisor has not responded to the situation, and the employees just pick up and are either extremely rude stating you have to wait for a supervisor or hang up the call. All this aggrevation and poor customer service over a {$20.00} fee if resolved I would have paid off the loan immediately.
Product: Debt collection

XXXX XXXX charged {$59.00} and sent to debt collection Amsher for not returning the modem equipment. I returned the equipment and I have a receipt to prove it. 
I am complaining and asking compensation from XXXX XXXX for damaging my credit. 
My phone number is XXXX Service address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX
Product: Credit card

I noticed a fraudulent inquiry on my credit report. Someone has stolen my information and is trying to open up credit cards
Product: Credit card or prepaid card

In 2020 I was laid off from my job because of Covid-19. I just getting back on my feet and although I've tried to make payment arrangements with PNC they are refusing. I also requested proper credit reporting as required by the Cares Act and they refused.
Product: Student loan

I attended XXXX XXXX, XXXX ( formerly owned by XXXX ) from XX/XX/XXXX-until they shut down unexpectedly in XX/XX/XXXX. I was not allowed to finish my program but WAS left with all my student loans and huge debt for NOTHING in return. Referring to an article posted on Consumer Finance 's website on XX/XX/XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. My credit history has been badly hurt because of the loans taken out for me to attend XXXX XXXX. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points. These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX. And for what? Greed?
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, I presume that no proof of the allege a debt, nor therefore any such debt, in fact therefore exists. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted 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
Product: Debt collection

in XXXX 2014 XXXX sent me a bill for {$120.00}. i sent a check to then in that anount. that check was never posted to my account. 
since then i have recieved many duns from XXXX. i sent them proof of payment each time. they turned it over to at least XXXX differant collection companys. XXXX XXXX XXXX and dervified consultants inc ihave proof of payment in my hand signed by a bank offical
Product: Credit reporting or other personal consumer reports

I've contacted both companies on several occasions in regards to the open accounts as well as the occurring charges that are destroying my credit. I was not provided any information nor an was an investigation was conducted, Please assist. 

Credence Resource Manage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A - Aggravated identity theft
Product: Credit reporting or other personal consumer reports

I hope youre well. Ive recently reviewed my credit report and found several accounts that are completely unknown to me. These accounts appear to be a mistake, and Im requesting that they be removed from my report as they do not belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu