23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to you to file a complaint against Freedom Mortgage for unnecessaryharassmentabout my mortgage payment.In XXXX, Freedom Mortgage notified customers that they were changing their carrier. I called inquiring as to where to send the XXXX payment ( {$1000.00} and I was instructed to send it to XXXX, their current carrier. I sent the XXXX mortgage payment to XXXX and the check cleared on XX/XX/XXXX. When I received my mortgage statement for XXXX, they notified me that I was late with the XXXX mortgage payment. I have called Freedom Mortgage on several occasions trying to get this resolved, but they continue to tell me I am behind a payment. I live on a fixed income and this incident has affected me emotionally, I am a XXXX XXXX veteran and would like some assistance to get this issue resolved. I can be reached at XXXX or you can contact me via telephone at ( XXXX ) XXXX name is XXXX XXXX XXXX and my loan number is XXXX XXXXXXXX would appreciate any assistance you can give me to get this issue resolved. Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my correspondence in accordance to law attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Product: Debt or credit management

Money was used from car to get rental cars and other types of charges when complaint filed to Cash app they refused to return funds.
Product: Credit card

I have never held an account with capital one. Months ago I received a statement and when I called they told me they would close the account. Now months later I receive another statement. The balance is XXXX and they say there has never been a charge on it but they did not cancel the card last time and refused to cancel the card this time unless I agree to a bunch of stuff. My credit should not be held ransom by a company I have never done business with and due to this never will.
Product: Vehicle loan or lease

RE : VIN # XXXX This is simply a request for information in regards to the XXXX XXXX XXXX. I bought this vehicle on or around XX/XX/XXXX from XXXX XXXX XXXX. I was hoping that you would be able to provide a copy of the following information for my records : Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents you have on file with my signature The accounting for my account reflecting payments, credits, and adjustments A clarifying statement of your role in this transaction Also, the vehicle in question was purchased on XX/XX/XXXX, financed by CREDIT ACCEPTANCE CORPORATION repossessed in the state of RHODE ISLAND. Under the laws of RHODE ISLAND and UCC 9-506 as well as RHODE ISLAND XXXX and XXXX statuses, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits have adhered too. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. Effect of errors or omissions 9-611. Notification before disposition of collateral 9-612. Timeliness of notification before disposition of collateral.

9-613. Contents and forms of notification before disposition of collateral 9-616. Expl
anation of Calculation of Surplus or Deficiency You are required to provide me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of the deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularity or severally fail to comply with the above requests, I reserved the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have sent 2 certified letters to this company disputing there there claim that I owe {$580.00} to XXXX. I have asked for validation in this matter and have not received or been provided any proof or validation to their claim1 They have unlawfully reported this to the credit bureau 's which has significantly impacted my credit score. They have violated the Fair Debt Collection Practices Act. I am demanding that this fraudulent act be handled by your agency as soon as possible! 
Thank You, XXXX XXXX
Product: Checking or savings account

NAVY FEDERAL LET MY ACCOUNT GO OVER XXXX DOLLARS IN FEE WHEN I HAD THE OOPS ACCOUNT MY LIMIT WAS XXXX. I ASK THEM WHY MY ACCOUNT WENT OVER SO HIGH THEY NEVER RESPONDENT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Denial of Fraud Block Request and Failure to Address Identity Theft Claims Details of the Complaint : XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by : Denying a Valid Fraud Block Request : I submitted an FTC Identity Theft Report, along with proof of identity and address, as required by FCRA XXXX. XXXX rejected this documentation and failed to block fraudulent accounts and inquiries from my credit report. 

Failing to XXXX Disputes : Despite receiving disputes regarding fraudulent accounts and inquiries, XXXX continues to report incorrect information, violating FCRA XXXX ( a ). 

Ongoing Reporting of Inaccurate Information : Fraudulent accounts such as XXXXXXXX XXXX XXXX  XXXX XXXX, and multiple XXXX XXXX accounts remain on my report, along with unauthorized inquiries. This violates FCRA XXXX ( b ) ( maximum possible accuracy ). 

Harm Caused : Financial Harm : Denial of credit opportunities and increased interest rates due to fraudulent accounts. 

Reputational Damage : False information on my report has harmed my creditworthiness. 

Emotional Distress : Prolonged stress and frustration caused by XXXX negligence.
Product: Credit reporting or other personal consumer reports

I originally opened my account with XXXX XXXX XXXX XX/XX/XXXX, in XXXX of XXXX, I noticed there was some fraudulent activity on my account, a previous cancellation subscription came in without my knowledge or permission. XXXX XXXX XXXX closed that account and opened me a new account in XX/XX/XXXX due to that activity. XXXX XXXX said they would correct the charge off status on the account and havent done so. I called XXXX on XX/XX/XXXX and the representative verified that she see in the system that this should be updated on my credit file. This account is reporting as a charge off and it is hurting my credit.
Product: Debt collection

I find it very unfortunate that Transition does not seem to take this matter seriously. I have been regularly checking my credit reports and scores this XXXX due to pressing needs of me and my family. I have been reaching out to TransUnion as of recently regarding items I believe to be inaccurate and thus unlawful to post about me. This has caused me both deep XXXX and high XXXX which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging my character and not having a XXXX XXXX I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as TransUnion being XXXX of the predominant XXXX XXXX XXXX in my region just about all lenders seem to use them to verify my XXXX  worthiness. Also if this is indeed the way that TransUnion operates then I would imagine that other Americans experience the same unfortunate event when they dispute with them as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to TransUnion about this XXXX times calling their XXXX XXXX where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me and not calling back until XXXX later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute. 

I demand TransUnion to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXXXXXX Late/Open XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This account was fraudulently under my name with XXXX XXXX. It was brought to my attention and it was closed out. They sent it out for collections years back which is how I found out about it and we absolved the situation 3 years ago. Now it has appeared again on XX/XX/XXXX on my credit, and it is stating that this collection was opened on XX/XX/XXXX which is not accurate. This account was a result of itentify theft, has been closed out. 

I need debt verification of this account. Why has this reappeared again on my credit as a delinquent account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " XXXX, XXXX, and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting or other personal consumer reports

Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in XXXX, TRANSUNION, XXXX. I appreciate your timely collaboration and I remain attentive to your effective and prompt response TRANSUNION INQUIRES DONT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a noticed from XXXX XXXX that equifax reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to Equifax, they told me contact XXXX XXXX XXXX. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you
Product: Debt collection

Discover contacted 2 of my relatives about a debt that was already closed and were looking for me but instead reached out to them.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has indicated it believes my information was compromised in the XXXX XXXX 2017 data breach. Of course, Equifax was not intentionally trying to give my information away -- however, the circumstances surrounding how they handled the situation is frankly unethical and likely illegal. I work for the XXXX XXXX in XXXX XXXX, and when I read Equifax was saving sensitive user information in plain text I nearly burst a blood vessel. Handling sensitive user information in such a way is, at best, grossly negligent. I would probably get court martialed if I did something like that at my job. 
Secondly, Equifax executives knew about the breach for months, and not only did they not immediately inform the public, they cashed out their stock in the company. Last I checked, trading on insider information is illegal, and not informing compromised individuals as soon as possible is highly unethical.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt bondage and would like for all listed accounts be BLOCKED AND 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency and raises serious concerns about consumer safety.