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

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires less I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate disputed items reasonably.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as law mandates. 


Given the recent CFPB findings, l expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 


Suppose XXXX fails to comply with its obligations under the FCRA. In that case, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for incorrect late payments reported on my credit report during the COVID-19 national emergency period. These late payments were recorded for account XXXX XXXX XXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, creditor XXXX XXXX reported my account as delinquent, which unfairly impacted my credit score and contradicted the protections provided by the CARES Act.

I previously contacted XXXX XXXX and requested that my account status be corrected to reflect a " PAID/ACCEPTED '' or " OK '' status for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I request that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.
Product: Debt collection

XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX WA XXXX XX/XX/year> TOTAL VISA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Collection Account and Request for Removal Dear TOTAL VISA, I am writing to formally dispute the accuracy of the collection account listed under my name with your agency, related to a Total Visa account. The details of the account are as follows : Account Number : XXXX Amount Claimed : XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and under 15 U.S. Code 1692c, I request verification of the debt, as I believe the amount reported is not accurate. Specifically, I believe there are discrepancies regarding. 
Furthermore, I kindly request that you remove this entry from my credit report, as inaccuracies can severely affect my creditworthiness. Please provide me with documentation verifying the debt and the amount claimed. 
If I do not receive a response within 30 days, I will consider the matter resolved in my favor and may seek further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX
Product: Debt collection

The balance in question was paid in full, and on time, The company is saying, I have an outstanding balance of XXXX from XXXXXXXX XXXX in XXXX Washington. The property owners are XXXX XXXX. I just received notification from a collection agency saying that it is unpaid. I paid that amount on XX/XX/XXXX by check to the property manager. The check has cleared. I have spoken with them previously about this and I assumed it was resolved. I have requested a copy of the canceled check from my bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 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 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: Money transfer, virtual currency, or money service

On XX/XX/2021, they froze my account due to no reason. I was logging in but it said my account is frozen. I have {$60000.00} that I want to withdraw but I cant due to frozen account. I cant upload my ID because it is restricted due to frozen account. I emailed Gemini support and I received an email that it will escalate to another team but theres no response after that. I emailed many times to the same email but no response. I messaged through XXXX and XXXX, no responses. I tried changing my password many time to see if they can unfreeze, that didnt work. This is very unacceptable and irresponsible that they do not have a live person for customer support. Its automatic and you can not leave a message and they wont back to me. I want them to unfreeze my account and let me upload ID to verify to get the process going ASAP. Its almost a month.
Product: Student loan

To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my wife also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxed jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.
Product: Checking or savings account

on XXXX XXXX i made a deposit of XXXX and it only credited it me for XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my personal information was exposed in a Data Breach an as a result their are several accounts in my credit reports that I do not recognize and do not belong to me! Please help me to get these accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to urgently inform you that my personal information has been compromised in a recent national data breach. Upon reviewing my credit reports, I discovered several unfamiliar accounts that appear to be associated with my name. In response, I have requested debt validation from the credit reporting agency, but to date, they have not provided the necessary information. 

As my personal data has been exposed, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding the unfamiliar accounts. 

For your reference, I have attached the following documents : A copy of my ID The FTC complaint detailing the fraudulent activity XXXX XXXX XXXX XXXX  ( NPD ) report confirming the breach of my personal information The debt validation request letter I request your immediate attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I went to a USAA ATM to withdraw money from my USAA checking account. My USAA ATM card and my USAA credit card look almost identical. I accidentally put my credit card in the ATM instead of my ATM card. I proceeded with the withdrawal and at no time did the ATM indicate that I was using a credit card or that I was taking a cash advance. The screen asked how much I wanted to withdraw and my receipt says withdrawal. I did not know that I had made a cash advance until later that night when I was reviewing transactions. I called USAA the next day, but there was nothing that they could do because the transaction had not posted yet. The following day, I paid the money back that I had withdrawn and I called USAA. The 2 people that I talked to said that they would not refund the fee and interest and that it was my fault that I put my credit card in the ATM. I believe that there are several instances of deceptive business practices in this case. 1. The cards look almost identical. 2. The ATM did not tell me which account I was using. 3. The ATM told me that I was making a withdrawal not a cash advance. 4. The ATM did not tell me that I was going to incur any fees. 5. The receipt told me that I had made a withdrawal not a cash advance. 6. There were no fees listed on the receipt. 7. USAA did not allow me to reverse the transaction even though I notified them right away when I realized the mistake. I believe that this could have been prevented if USAA had been more open about the transaction while it was happening. It also could have been resolved easily by the company, but unfortunately their representatives just did n't care. This is actually the first time that I have had a less than awesome experience with USAA customer service.
Product: Debt collection

The debt collector called my number twice, once on XXXX/XXXX/2016 and again on XXXX/XXXX/2016. They are asking for XXXX XXXX. I called back to advise them it was not her number and to remove it. They continued to ask questions regarding who I was, if I was her husband, her boyfriend, if we live together, and other inappropriate questions.
Product: Mortgage

On XXXX I received a certified letter from XXXX XXXX XXXX XXXX saying that my loan had been purchased back in XXXX of this year unknowing to me by Fay Servicing LLC. My mortgage was set up on Auto pay from my bank so I was thinking my loan was being paid. I had no idea that this company bought my loan because I have not received and letters or notices from them to start paying them. So now they are threatening to foreclose if I dont pay {$4800.00}. There is only {$3200.00} owed which I have no Problem paying. The rest is extra interest and late fees they are adding that I dont feel that I should pay because I was never notified until I received this certified letter on XXXX
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Product: Credit reporting or other personal consumer reports

Equifax is showing inquiries on my report that are not minds and i did apply with those companys i talked to them about removeing them they keep saying they have to investigate it and its hurting my credit score i need the inquiries removed asap. 

thanks please help me with getting this ressovled inquirys are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to IRS guidelines, an unpaid charge-off is considered taxable income. Furthermore, under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. The account in question was previously charged off by XXXX XXXX XXXXXXXX, as indicated by their records. The charged-off account is now listed under XXXX XXXX XXXX Upon reviewing my most recent credit report, it appears that this account is being reported as a charge-off despite having been sold to another lender. As the original debt was charged off and subsequently sold, this constitutes inaccurate reporting and may be viewed as a form of double reporting, which is prohibited under the FCRA. Please investigate this matter and ensure the information on my credit report is corrected accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach, which resulted in identity theft. As a result, unauthorized accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiry from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 reversing lost funds was impossible and 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 is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

Good afternoon, I had problems with my vehicle finance company. In XXXX I called because I couldn't pay for my vehicle for the COVID-19 case. I had money problems and I had not been paid at work, they gave me a period of one month. for me it was perfect. for XX/XX/XXXX I called again because I was positive to COVID-19 I have a medical report asking me to be isolated, I sent them but a supervisor told me on XX/XX/XXXX that they could not do anything and that they were going to deactivate the calls so as not to receive and that they would not notify me when they took the car, he also told me that if I had not received any help and the truth is that I had not received any unemployment aid or government aid, it affects me because it affects what I already paid for the car and apart my social life.
Product: Debt collection

The amount on the alleged debt is incorrect as there was never, at any moment, an amount due for {$1500.00}. The amount due was {$1400.00} which was supposed to be covered initially by the health insurance but mistakenly denied. The amount being reported is not correct. Please DELETE from my credit report for false reporting.
Product: Credit reporting

I have a XXXX account on my credit report that XXXX has no idea what this is on my report as I have an account in good standing with them and they do not report to the credit bureau
Product: Debt collection

I was never contacted by Transworld. I had to be told by XXXX XXXX that the account was even sent out to Transworld and to attain the contact information for Transworld. I was making monthly payments to XXXX towards the balance. I never received any letter to even inform me that Transworld had my account for collections nor any contact information for them. By the time I got the information they had sent my balance to my credit report. When I called on XX/XX/XXXX and asked how I could get it removed they said that nothing I do from setting up a payment plan or paying in full would get it removed from my report. I asked if I were to setup a payment plan prior to it hitting my report if that would of stopped it and I was told no-so not sure what the point in a payment plan is. I called XX/XX/XXXX to ask if I paid the balance in full if they would remove it from my credit report and I was again told no. I have not had any derogatory accounts on my credit and am upset on the way Transworld handles the accounts under them considering most medical bills are due to accidents or no insurance.