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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, LA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Employers : XXXX
Product: Debt collection

I have repeadtly told them to atop calling and disputed the accounts and have them removed several times. They won't stop.
Product: Mortgage

There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Student loan

Last year around XXXX or XXXX I spoke with my husband about minimizing our debt, of our debt we both had student loans. My loans were private through XXXX ; now called Navient, I called them up to see what my options were because I was behind on my payments. My husband had already spoke with his creditor XXXX who agreed to a $ 0 monthly payment based on our monthly income but when I spoke with Navient they first told me the lowest amount would be {$60.00} then cut it down to {$30.00} which may not seem like a lot but with our monthly expenses for childcare and other obligations it was not doable. I then asked for a forbearance which was granted but this has been one of many and during this time the interest has equated to almost 3x what my original student loan was. I now owe close to {$4000.00} when my original loan was only {$1200.00}. I 'm not sure what my options are anymore because when I call to attempt to settle it, they are always recommending a forbearance or to request a hardship to hold off payment while the interest is steady racking up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been approved to the two companies and want it off my hard inquiry because I dont want it effecting my credit
Product: Checking or savings account

Opened an online checking account with TDBank on XX/XX/2021. Several emails were sent to me confirming the opening of the account. TDBank accepted my opening deposit of {$50.00} on XX/XX/2021, and a partial paycheck deposit of {$680.00} on XX/XX/2021. I was then unable to log into the account. Per TDBank, the account was " frozen '' by fraud department, but I received no email notifications of this, despite receiving 9 TDBank Alert emails between XX/XX/2021 andXX/XX/2021. The deposits were still accepted despite a " frozen '' account. I made multiple attempts to contact the fraud department to discuss, and several times, my call would be " dropped '' after a long wait. TDBank is requiring me to visit the bank in person to unfreeze the account. The branches are all a two hour roundtrip drive ( which I did not consider at the time of opening as modern banks do not require in-person trips, especially during a pandemic ), and I am unable to travel there due to work commitments. TDBank refuses to transfer the money out, refuses to allow alternative means of identity verification ( video, online, documents, etc. ), and will not give me a timeline for which the account will remain open. I anticipate TDBank will close the account and refuse to return my $ 700+, and the company was unable to say whether or not that would happen.
Product: Bank account or service

I called my finiancial insitution ( JP Mrgan Chase ) this morning to file a REg XXXX claim on a transaction that i made but cancelled the same day with the merchant. I attempted 3 times to cancel the transaction with the merchant and i was not successful so i called Chase to dispute the transaction. The first that i spoke to XXXX XXXX XXXX was very rude and was not willing to assist me. I mentioned to the rep that i made the purchase and decided i no longer wanted the transaction to go through and so i cancelled it within an hour of purchase. She told me that she couldnt help me and that since i made the transaction there was nothing she can do. I spoke to manager named XXXX and she was raising her voice, telling me that since i know it all that i should know that i cant file a claim. the merchant has more rights then me the customer. the manger did not want to file the claim for which my reg r rights were violated. I have the right to dispute transactions on my account with the bank. the manager told me that she cant break rules for me and that she has a family and bills to pay and couldnt risk her job, which i dont understand how i was asking her to break rules. Very bad customer service. I was on the phone for over an hour trying to file a claim and get my money returned to me. Asked the rep to file a claim and process a chargeback against the merchant since i cancelled with the merchant before the transaction even posted. No claim was filed. I told the Manager that i was going to contact my attonney and even said i would cancel my account of over 15 years she told me to do what i needed to do.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of dispute, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX SERVICE XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXXt appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
Product: Debt collection

Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XX/XX/XXXX and the last time I had made a payment was XX/XX/XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XX/XX/XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XX/XX/XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax my personal information may have been impacted by their breach.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public record item showing on my credit report several times I have notified Experian that the item they are reporting as a bankruptcy was a result of Id theft and is not mine however they refuse to remove the item first they stated they received the information from XXXX out you courts do I went to the courts who stated they didnt provide anything to Experian then e XXXX says they hit information from XXXX XXXX however I have provided proof from XXXX XXXX that the public record item Experian reports was in fact not verified from them as my files were suppressed due to the court order showing the courts allowed a legal name change due to fraud of previous name Experian failed to do a proper disputation investigation and simply just deregarded my rights
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I have XXXX new inquiries that I did not authorized and never was shown my report to agree on this.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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: Checking or savings account

XXXX XXXX DIRECT EXPRESS ISSUE MY DURECT DEPOSUT ONTO A ANOTHER CARD THAT WAS FRUEDULANT ORDER BY ANOTHER PERSON, ,I WAS AT THE ATM ON XXXX XXXX AND THE OTHER PERSON TGAT HAD ANOTHER SENT TO THEM IN MY NAME BY DIRECT EXPRESS WAS AT THE CASINO WITHDRAWLUNGMY MONEY OF THAT XXXX  ..DIRECT EXPRESS GAVE ME THE HARDEST TIME DISPUTING THAT WAS NOT THE CARD I HAD IN THEIR COMPUTER TO PUT MY DIRECT DEPOSIT FROM SOCIAL SECURITY ON I WAS TREATED REAL BAD BY DIRECT EXPRESS AND THEY DENIED MY REQUEST OF REIMBUSDIING NY MONEY TO ME... .DIRECT EXPRESS HAVE ALL THE HORRIBLE THINGS THEY ASK ME TO DO AND THEY STILL DENIED THEY KNOW THAT ANOTHER THEY NUT THE MONEY WAS CORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Who services my loan has put 12 missed payments on my credit report although I only missed 2 payments a year and a half ago. I only make one payment a month to them and do not understand how 12 late payments can be on my report, they refuse to take them off and I have called both the credit bureaus and Navient to try to fix the issue but have no luck.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
KIA FINANCE AMERICA XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AMEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

I had been making payments on a XXXX  account. I became sick in the hospital. I asked them to hold the payments until I was back to work. I revoked my permission to take money out of my account. They agreed. Then they continued to take out payment from my account. That was 4 weeks ago. I was unable to purchase my medications and caused my it become further sick. Every time I call they have a new reason why they the money hasnt been returned.
Product: Payday loan, title loan, or personal loan

My identity was stolen and used to open several payday loans through Advance America online. I was unaware of these loans until I started to receive past due bills. I contacted Advance America and notified them that this was identity theft and filed a police report which I also sent them on XX/XX/XXXX of XXXX. I was told that if I filed a police report and sent it to them that I would not be liable for these loans. They have now sold them to debt collectors who are harassing my family, they are not contacting me directly because the phone number that they have is one I have never owned and one that the suspect used to open the loans. I have contacted Advance America several times and have also contacted the debt collector XXXX several times and am being told they can not give me any information and that I have to go to court and present my case to a judge. I dont see how that is legal. The loans should have never been sold and I was never contacted by them. I also dont see how its legal to give one person so many loans within such a short period of time. 

XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$870.00}