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

Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXXXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXXXXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Product: Credit reporting or other personal consumer reports

CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.
Product: Debt collection

I received a phone call from someone at the XXXX. They stated they were attempting to collect on a judgement from XX/XX/2004 from XXXX. Upon stating that I had no knowledge of this judgement, the individual became irate. He continued to question me on whether or not I knew of the judgement. I stated once again that I was not aware of any judgement against me, especially one XXXX. I stated that I would not be acknowledging any liability of the amount requested without further detail. At this point the individual asked me if I wanted to resolve the issue now. I again stated I would not, and said they should go through the procedures to inform me of the details. The individual then said " oh we will be doing what we have to do ''. I requested his name multiple times and asked that I be mailed the information. The person immediately hung up.
Product: Mortgage

I applied online for a HARP loan and received a phone call from ( RUM ) Royal United Mortgage. 
After verifying my credit score, mortgage payment history, and income, XXXX XXXX XXXX informed me that Royal United Mortgage would finance my mortgage which is at 6.99 % to 4.3 % in less than 30 days. I was told that certain debits would be paid with the cash advance, and I would not need to make a mortgage payment until XXXX, 2015. After electronically signing what I thought was my loan agreement, I was told I needed to pay $ # {$390.00} for an appraisal. After the payment of the appraisal cleared my bank Royal united Mortgage stated they could not do the loan. I DONOT believe RUM had any plans of refinancing my mortgage. I searched on line for complaints against this company and found many, many other consumers complaining about being denied after paying for an appraisal. I sent an email requesting a RUM return my {$390.00} and that I was filing FRAUD against them with my bank. 
How can this company prey on consumers like this. I am a retired senior and {$390.00} is a lot of money for me. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

I applied for a credit card from First XXXX on the XXXX of XX/XX/XXXX but was not forewarned of the fees involved, nor their terms. I did read the fine print but there were no red flags or forewarnings. It was a secured card but I was not told what my credit limit would be until after they charged me. My credit limit was about half ( XXXX dollar limit on a secured card ) of what I would be paying to start the card plus exorbitant monthly fees and penalties. Upon discovering this I decided not to proceed and declined the offer only to discover they had already charged me for the card. When I called to resolve it they kept telling me to call back the next day. When I finally called today ( XX/XX/XXXX ) the representative refused to give me any information on a refund, saying they couldnt do that. I asked to speak to a supervisor hoping they would be more helpful/knowledgeable. I was wrong he was worse saying that it was handled by another department. When I asked for an email or phone number ( everything up to this point had been handled digitally or on the phone ) he said that department didnt have a direct phone number or email. When I asked to be transferred then he said they didnt transfer calls. I could only reach them by fax and I have absolutely no access to a fax. No one I know does. Nor was I informed of what information I needed to send or the fax number ( if it had ever been possible ) before he hung up on me. So now I have a remaining charge on my account for a service never rendered and no way to get my money back. Terrible service and scam company if you read reviews on XXXX They have multiple card companies under different names. Theyve also charged many others without warning or reason and made making payments impossible for them while collecting interest and late fees even when the person never received their card. 

Alternate names involved : XXXX XXXX XXXX XXXX XXXX XXXX. 
First XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, Operations Manager Contact Information Customer Contact XXXX XXXX XXXX, Operations Manager Headquarters : XXXX XXXX XXXX XXXX, GA XXXX XXXX Other complaints and problems documented by others as their seems to be a pattern XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DISCOVER FINANCIAL SERVI XX/XX/XXXX unauthorized and fraudulent
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Product: Bank account or service

I noticed this morning XXXX things came out of my account earlier than I was expecting. I was unable to get to the ATM until XXXX. I called to see if I would still be charged and was told I was 21 minutes past the cutoff. I have an ATM receipt that clearly shows nothing has even been withdrawn so the items are still pending. They have n't charged the fees yet but I 'm sure they will. Especially after the agent told me. I 'm getting my tax return check in the mail this week and I 'm definitely taking my account to another bank. I have had way too many problems with this one.
Product: Money transfer, virtual currency, or money service

My XXXX  was stolen and the thief saw me enter in my password. This occurred approx. XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX in XXXX new york XXXX The thief changed my password on my XXXX and changed the face ID. They then accessed my chase 's XXXX via the new face ID and sent approx {$4300.00} to various XXXX accounts. The police arrested the thief and are charging him with various criminal crimes. However XXXX chase will not recover the money nor compensate that was stolen from me. I have provided the financial institutions with the date, times, personal information of the thief, arrest warrant, and court documents. 

Chase bank claims that because I used face ID on my own device their " risk management/ Fraud detection office '' recognized that the transitions were legitimate and can not recover the money. They ignored the arrest documentation that details how the criminal event occurred. In fact chase is currently working with the XXXX XXXX to solve the criminal case. However they refuse to acknowledge that the money was fraudulently taken from my account. 

I have contacted chase multiple times and they keep bouncing my call around despite my pleas to escalate the case. This is not a scenario where I got scammed and agreed to send a random person money, My phone was physically stolen and unauthorized payments were made to unknown accounts. 

I have banked with chase before I even started college. I would never try to defraud them with a fake arrest record.
Product: Student loan

I am in the PSLF program. FedLoan is saying certain payments I made are ineligible & theyve been reviewing the first 3 yrs of my payments in the program for at least 5 months. I called XX/XX/XXXX to investigate & was told my payments were being reviewed. I called XX/XX/XXXX & was told the problem w/my payments was that the loan company that my first XXXX yrs worth of payments were with, had gone out of business. I was told to upload bills showing payments made & I did. Also, there was a XXXX month period of payments that were deemed ineligible. Upon investigation of that, I was told an administrative forbearance was put on my account for 2 months & then a general forbearance for XXXX months. I DID NOT ask for any forbearance - my payments were based on income & per that they were {$0.00} payments! Why would I have to put a forbearance on something that was already {$0.00}! They requested bills showing I was in repayment for that time period, as well, & I uploaded that paperwork too. I called AGAIN after sending several emails, & was told there was nothing I could do but wait. The representative on the phone did say that she would email someone higher up than her & see if that would help. My forgiveness shouldve been the easiest process. I was in the correct payment plan, I worked the same job for the entire time period so no issues w/employer that didnt qualify & I certified my income annually. I did everything by the book! I NOW have over {$100000.00} in student loan debt due to interest! Please help before FedLoans contract expires, my loans are transferred & the chance of something else happening increasing!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ).

Account Details and Violations : U.S. Bankruptcy Court ( Account Number : XXXX ) Violation : Reporting an account that does not belong to me, a violation of FCRA 1681e ( b ). 
XXXX XXXX ( Account Number : XXXX ) Violation : Reporting an account with which I have had no business relationship, a violation of FCRA 1681e ( b ). 
XXXX XXXX ( Account Number : XXXX ) Violation : Incorrectly reported payment status, balance, comments, and payment history, a violation of FCRA 1681e ( b ). 
XXXX XXXX ( Account Number : XXXX ) Violation : Reporting an account that I claim I have no business relationship with, a violation of FCRA 1681e ( b ).

These inaccuracies on my credit report have significantly affected my life in numerous ways. To illustrate the emotional toll, I would like to share a personal story : In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ).

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ). 

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!! 

LOAN # XXXX
Product: Credit reporting or other personal consumer reports

Inquiries attached on my account are inaccurate, they are just fraudulent inquiries. I never made an inquiries such as those.
Product: Credit reporting or other personal consumer reports

Improper use of my credit. In accordance with the Fair Credit Reporting Act, this creditor violated my rights. Under 15US Code1681 Section 602, states : I have the right to privacy, 15USCode1681 Section 604A Section 2.It also states that a consumer reporting agency can not furnish a second account without my written instructions. Under 15USCode1666B, Creditors may not treat a payment on a credit card account, under an open a Consumer Credit Plan, as late for any purpose. 
This includes my Synchrony Home, My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). Any that I may have missed, but posted on my credit report as late. Please clear this up. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, AMERICREDIT add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts and inquiries were opened or made without my authorization and should be removed from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Loan of XXXX, XXXX I was paying on it my account balance was never reflexing on my account it would change just a little but not alot with what I was paying back on the loan...
Product: Checking or savings account

Re : Netspend/XXXX XX/XX/XXXX someone apparently skimmed my debit card. There were 4 ATM withdrawals and a balance inquiry made between XXXX and XXXX XXXX XXXX XXXX and XXXX each time I was charged by my bank XXXX and the balance inquiry was charged XXXX. 
The ATM withdrawals were made at XXXX XXXX XXXX, XXXX, TX and I had that card on me, in my purse while I slept before work. I do not know how they were able to use the debit card without having possession of it. I did file a police report with XXXX Police Department and the bank issued a temporary credit but added other transaction from that day without my asking. The credit was for {$600.00}. The bank then went me a secure message saying an error was found and that the provisional credit would stand but had mailed me ( to my home address but I am working in another city so I did not get the letter ) stating they would be taking the XXXX back on XX/XX/XXXX, which they did and when I asked about the secure message saying the credit would remain, they just kept saying then that they had found no error with their investigation. I asked for some proof of the ATM withdrawals and they could provide none ( because I did not make the withdrawal ) now they keep saying the case is closed and all i want back is the XXXX for the ATM withdrawals and fees that i did not make
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX 2. XXXX XXXX  is fraudulent on my credit Account # XXXX 3. XXXX XXXX  is fraudulent on my credit Account # XXXX 4. XXXX XXXX and XXXX is fraudulent on my credit Account # 5. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX 6. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to be removed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.