23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Some one used my personal information for receiving AUTO INSUARENCE XXXX XXXX I received letter from colllection for {$930.00} I was trying to resolve this matter with XXXX directly but Still no response. 
I 've filed complaint with FEDE RAL TRADE COMMISION Report number:XXXX
Product: Mortgage

Im on a covid 19 forberance since XX/XX/XXXX. My work hours were reduced then I got XXXX and was not able to work. I have been reaching out to Wells Fargo since XX/XX/XXXX to get into an agreement for payment. I was told I can do a loan modification but they are not helping me out. They keep asking for the same documents. No one calls back with a clear answer. They assumed I was married to my cosigner who is my sister in law without asking any clarification. I keep calling and every rep I talk to says something different every time. I asked to speak to a supervisor on XX/XX/XXXX. They said a supervisor will call me back within an hour and noone called me back. I called back XX/XX/XXXX and I was told I needed to speak to a high XXXX department but noone answers the phone. The rep said that dept might be closed and to call back the next day. I can't get help from them for 3 months now. I need to keep my home. Now I'm stuck with over XXXX balance that I can not pay at once. Wells Fargo is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding XXXX 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, credit repair services, or other personal consumer reports

sent equifax a letter requesting a credit report XXXX  times, fust received a letter from equifax to get my credit report they want me to send them a copy of my drivers lic and social security card for the third time, this has been months and many calls to get this resolved to no end.i believe they are in violation of the law by not giving me my credit report.They are refuseing to take any online dispute, also they have my date of birth wrong, and added a sr at the end of my name.so at this point i can not get a copy of my credit report to dispute anything.XXXX XXXX  reports a equifax fios XXXX and at equifax site it reports XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Capital One posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX XXXX posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX I paid the full amount {$1400.00} to Capital One. 

On my credit report Capital One & XXXX XXXX posted the incorrect information. I don't owe {$1400.00}. 

Capital One credit card was paid in full on XX/XX/2023. XXXX points was DEDUCTED from my credit score. I want the XXXX points restores. I want the correct amount of money owed posted XXXX XX/XX/XXXX Capitol One received full payment for {$1400.00} 1. XXXX posted the incorrect amount on XX/XX/XXXX {$1400.00} 2. Capital One posted the incorrect information on XXXX  XXXX XXXX XXXX states I owe {$1400.00} to Capital one, false, inaccurate, incorrect information. I OWE XXXX dollars, I paid the debt in full on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against UPGRADE, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, for failing to provide me with the B-Copy of my 1099-C form for the tax years XXXX and XXXX. I have made several attempts to obtain this document, which is essential for accurately reporting my income to the IRS. The 1099-C form reflects cancellation of debt and is crucial for my tax reporting obligations. Without this document, I am unable to properly report my income, which may result in negative financial consequences for me. Despite reaching out to UPGRADE INC on many attempts, I have yet to receive the required B-Copy of my 1099-C form. I was informed that the document would be sent by email, but as of today, XXXX, I have not received it. This lack of response is causing me significant distress as it jeopardizes my ability to fulfill my tax obligations accurately and timely. I believe this to be a violation of my rights as a consumer, as I am entitled to receive all necessary documentation related to my financial dealings with UPGGRADE INC. I respectfully request that the CFPB investigate this matter and assist in ensuring that I receive my B-Copy of the 1099-C form as soon as possible. Thank you.
Product: Debt collection

I am unaware of any contractual agreement or obligation to pay you. I refuse to pay this alleged debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : COMENITY XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting

submitted requested information to Equifax XXXX XXXX XXXX and response was to ask for the same information again. tried phone calls to no avail ( automated systems, no humans ) and the web sight led me to believe someone has used my identity for a home mortgage and credit card. i 'm a veteran using VA healthcare and collecting social security with total income below the poverty line and was born and raised in the state i currently live in. i do n't know what else to do or who to talk to so this can be straightened out. i 've just received my HUD-VASH section 8 housing voucher and do n't want this to prevent me from getting my own apartment, i only have a limited time to find one. thank you
Product: Money transfer, virtual currency, or money service

I was charged {$29.00} for an adult phone app thru XXXX and paypal. I don't remember and want it refunded. I am unable to login to cancel. Refund me. I would like to open a dispute against this vendor. Its a fraudalent transaction. It is some scam app on XXXX. The company who took the money wont aknowledge the service or give any details. When I try to login with the email address they claim i used to sign up for the subscription, it simply says i have no account. They say to paypal and XXXX its a 3 month subscription that was cancelled. Even if i had cancelled or them I should still get at minimum a prorate refund since it was only days into the 3 month plan I was charged for. Like judge XXXX would say if it ends up on there : Its like being charged for a steak you didnt order, if you are not allowed to eat it once its paid for, then this is fraud if you dont refund the merchant. I can not be charged for an entire steak if I didnt order it and didnt eat it. I should get my money back here. Please open a dispute and include this text. It is some company called XXXX? I am not sure if I have the right company, but the charges appeared as charged by XXXX using my paypal account. Niether company would assist in refunding to date. Please assist. 

Paypal gave the following case info, but refuse to provide any documention and ignored my appeal request. I would like to appeal this with paypal. Below is the only correspondence received to date from paypal : " Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, XXXX XXXX We're sorry for any problems you may have experienced with the transaction ( s ). 

Transaction information : Dispute Case ID : XXXX Transaction Amount : {$29.00} USD Dispute Amount : {$29.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal ''
Product: Mortgage

Citi Mortgage ac # XXXX XX/XX/XXXX- I ( XXXX ) contacted Citi Mortgage seeking financial hardship assistance because of my job loss in XX/XX/XXXX. I was told XXXX and I could n't refinance even though we had XXXX in equity of this home. Then Citi Mortgage told us the only way we could get a loan modification was to fall behind XXXX months to even be considered. Therefore, we fail behind and applied for a loan modification multiple times between XX/XX/XXXX - XX/XX/XXXX with Citi Mortgage to never get approved. All required documents were Faxed and certified Mailed multiple times and I was continually told- that documents were missing. Citi Mortgage continued to add on late fees and service fees, escrow shortage and they increased our monthly payment causing more financial distress. XXXX and I continued to catch our Mortgage payments up during this XXXX year span draining our XXXX accounts, savings and any income we could fine to save our home. Citi Mortgage sold our mortgage to XXXX in XXXX XXXX. And at this time send us a letter stating that our Mortgage XXXX is complete and all of our documents will be forwarded to XXXX. That nothing else is needed to begin process. XXXX said they never received any documents concerning a Modification and we would need to start over.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE KEEP REPORT THE FALSE STUFF ON MY CREDIT REPORT PLEASE REMOVE THEM I sent a letter out to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense.

According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank XXXX XXXX Incorrectly reporting to my credit accounts My identity was stolen in XXXX. I filed a report with the police in XXXX XXXX, GA.
Product: Vehicle loan or lease

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation/debt collector to do correctly. Respectfully, I entered a consumer credit transaction with Volkswagen Credit on XXXX, which involved a finance charge. In Good Faith pursuant to 15 USC 1692g, On XXXX I sent VW Credit my request for validation, only to received a copy of the Installment Sales Contact. Where it states " Security Interest, " This secures all payment you owe on this contract ''. '' VW Credit has not provided me the required information pursuant to federal law. Nor did VW Credit provide me with the name and address of the original creditor. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. VW Credit is in violation of the 15 USC 1605 Truth In Lending Act. VW Credit didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Volkswagen Credit is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. Volkswagen Credit has been invoiced pursuant to federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service XXXX XXXX  XXXX XXXX XXXX, SD XXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background investigator that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

Resolving this account will not only help me move forward in my career but also alleviate some of the immense stress I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

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

US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF EDXXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Checking or savings account

I received a XXXX payment of {$1800.00} on XX/XX/year> for two items I was selling on XXXX. Items were brought into the buyers home on XX/XX/year>. Buyer then filed a fraudulent chargeback on XX/XX/year> for the payment made on XX/XX/year> claiming they did not receive the items. Capital one froze my account until I called to verify the payment made to me. I called capital one three times on XX/XX/year> to verify the payment to me was NOT made in error. I have messages confirming buyer receiving the items and all information matches. Capital one STILL has not allowed me access to my account. I have continuously asked for a timeline for my account to unfrozen so that I can pay my rent and other bills with my money that they are holding XXXX. No one has been able to provide any insight on what further verification is needed, they have no asked for any of my documentation of the buyer receiving, confirming my XXXX account or anything else that will easily prove this was a legitimate two way deal. Now XXXXm out all of my money and the two items that the buyer has now stolen.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$22000.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX act XXXX XXXX XXXX XXXX Account number 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, US Dept. Of EducationXXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XX/XX/XXXXXX/XX/XXXX