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

Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate and inconsistent information being reported to the credit reporting agencies ( CRAs ) regarding my account with your company. These inaccuracies are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following discrepancies were found in the data reported to XXXX, XXXX : Credit Limit Discrepancy : XXXX reports a credit limit of {$2500.00}, while XXXX reports a credit limit of {$0.00}. 
Last Payment Date : XXXX reports the last payment date as XX/XX/year>, while XXXX reports it as XX/XX/year>. 
Date Last Active : XXXX reports the date last active as XX/XX/year>, while XXXX reports it as XX/XX/year>. 
Payment History Discrepancies : For XX/XX/year>, XXXX lists the account status as " XXXX  '' ( Charge Off ), while XXXX lists it as " XXXX '' ( 120 Days Late ).

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you, as the furnisher of this information, are obligated to ensure the accuracy of the information reported to the CRAs. Additionally, the following legal precedents and statutes apply : FCRA 1681i ( a ) : Consumers have the right to dispute inaccurate information, and CRAs must investigate disputes promptly. FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.

FCRA 1681s-2 ( b ) : Upon notice of a dispute, you are required to investigate, correct, or delete inaccurate information. 
The inconsistencies listed above suggest a failure to meet these obligations. This account, as it is currently reported, is inaccurate and materially impacts my creditworthiness. I am requesting that you : Investigate these discrepancies and provide documentation supporting the information you have reported to the CRAs. 
Correct or delete the inaccurate information with all three CRAs ( XXXX, XXXX, and XXXX ). 
If you can not substantiate the accuracy of this information, I demand the removal of this account from all credit reports pursuant to the FCRA. Failure to comply with your obligations under the FCRA may result in legal action to protect my rights and seek damages. 

I have attached a copy of my credit report highlighting the discrepancies for your reference. Please provide a written response confirming the actions taken to resolve this matter within 30 days of receipt of this letter, as required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises s serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX XXXX XXXX XXXX XXXX XXXXI.C. SystemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit pass complaint to XXXX and XXXX measure the act and report herein to remove Oportun credit inquiry, and XXXX XXXX XXXX assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Public Record/ Bankruptcy # 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. 

I have asked XXXX and Transunion for proof that this Public Record belongs on my file, with absolutely no response! 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the letters. 
I would really aprerciate the CFPB 's help with this matter
Product: Checking or savings account

I had an overdrawn account I paid all the fees after my account was closed. Years later it shows back up that I owe Bank of America and I am on several checking accounts for organizations and it had to be cleared. So I was told by bank officer that it doesn't show paid so I paid again to clear my name {$380.00} the bank ripped me off.
Product: Credit card

I have disputed a credit card charge twice with Citi and included their corporate office in the rebuttal to the first decision for merchandise that was ordered and paid for but not received. The details are included in the attachement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments.Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 
Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.
Product: Credit reporting or other personal consumer reports

A hard inquiry from XXXX  XXXX impacted my credit score on XX/XX/year>. The request came from XXXXXXXX XXXX, which is not where Im from at all. They used a very old address and a phone number that is not mine. The hard inquiry dropped my score XXXX points. The inquiry was removed temporarily, but has now returned. I have contacted TransUnion about the issue and they told me there was nothing I could do to get my points back or remove the inquiry from my report.
Product: Mortgage

Broker, after getting my paperwork, told me the loan was doable. He then completely went dark. When I would ask him, he would say he is waiting for the underwriting department to give him an answer. This continued for 10 days until it was too late for me to close on time. I still do not have an answer from the underwriting department and at this stage, I would not be able to get a loan for the house my family fell in love with.
Product: Student loan

I have loans with XXXX XXXX now Navient. I was told by customer service reps that the only option when I was unable to make my full payment was to take forbearance when I graduated from school and unable to get a job making enough to cover the payment and my living expenses. A few years later during the recession I was laid off and unable to make payments. I was basically told too bad I should borrow money from family or decrease my living expenses by XXXX XXXX employees. My payments were over XXXX of my take home pay. My balance has since ballooned to double what I originally borrowed. I feel as though I 'll never rid myself of these loans and am still digging out from the damage missed payments have done to my credit due to predatory lending and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report XXXX XXXX accounts that were closed due to fraud and should have been removed from my credit report. Instead they continue to verify fraudulent balances and accounts that should have been removed as the information is not 100 % complete or accurate.
Product: Student loan

I currently have XXXX student loans with Navient. I contacted them to see about consolidating these loans and lowing my interest rate that at the times were 6 % 5 % 4 % before finding another company. About a month later my interest rates were raised to 8 % 8.5 % and 6.75 %. I feel like they did this to make as much money as possible with the information that I maybe refinancing with another company.
Product: Debt collection

This debt collection company has found a loophole in the law. They reported to the credit bureau and every month they add additional charges ( interest or penalties ) and also report to the credit bureau so every month my credit is dinged by additional collections amounts owed Company is PROGRESSIVE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX for emergency room visit Had I been admitted after staying there 7 hours there would be no extra charges outside what insurance paid. 
This has been happening sinceXX/XX/XXXX
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 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. 

Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXXXXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

My original mortgage was from XXXX XXXX XXXX. When my aunt died, I became her Executive of Estate and put the mortgage in my name in XX/XX/XXXX. A representative from the mortgage company came out to my office, and I signed the paperwork to switch the mortgage over from my aunt, XXXX XXXX name to my name. I received a letter a few months later saying that I owed {$2500.00} for negative escrow. My mortgage was sold to XXXX Mortgage and now to Selene Finance. I received a letter from XXXX in XXXX of XXXX that I owed mortgage payments from XXXX. I sent in proof from my bank that all mortgage payments from that period were paid. XXXX XXXX  XXXX sold my mortgage to Selene Finance in XX/XX/XXXX. I started making payments with Selene Finance in XXXX of XXXX. All of my payments that I have paid this year have been going to Selene Finance for payments back from XXXX to XXXX XXXX  XXXX for balances that were already paid. I paid Selene Finance a lump sum payment of {$5000.00} from XXXX XXXX XX/XX/XXXX. However, those payments have been misapplied, leaving me to still owe mortgage payments for the entirety of XXXX. I'm at risk of foreclosing my property due to errors in their accounting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.
Product: Debt collection

I have a collection agency " portfolio recovery '' who is constantly contacting me about an account I " owe '' to them. I asked for proof of the original lender or company and they refuse to provide me the information. I sent them a letter and received no response, just threatening and harassing calls.
Product: Checking or savings account

I have opened this account specifically for XXXX shopping, my mistake was thinking the money was in the account and there was XXXX so I went shopping on XXXX then the bank did not send payments for product that cash app says I paid for. Those transactions fell off and were never paid to XXXX and I have spoken to XXXX about this situation and they said your bank did not send payment so no product. Now as I have said I have made XXXX in deposits and I spent XXXX this is what everything adds up to now. On the feed I went by each transaction added then went by each transaction and subtracted what was spent and the numbers above are what I came up with. this is not rocket science but they have clearly stolen money and you have clearly done nothing either I am sending new updated feed could you please add and subtract as I did. All the plus signs are deposits round ups and what was spent you can clearly see.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Item disputed on XX/XX/2023 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 Chapters View
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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  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: Checking or savings account

XX/XX/ My account was closed by the Bank of American without reason. 
There is no weird transaction in my account, they all are normal transaction including XXXX and airflight tickets. 

Even though I called customer services and they can not provide any information. 
All I was requested to do is wait. I just want to withdraw money.
Product: Credit card or prepaid card

We have been a business American Express XXXX XXXX for 17 yrs ( never a missed business payment ever ). They extended a business line of credit thru a failed division called kabbage. All payment have been made on time ( I requested 3 weeks ago for a 3 week ext. and then payment in full prior to a 30 day mark ) They agreed and then in the process of taking payment they shut down the platinum business card that we have had for 17 yrs ( we have dozens and dozens of vendors that have auto pay going thru that account-this has created a real mess. 

Items they should be held accountable for : Deceptive business practices Making false marketing statements Fraud Sweeping payments without authorization Failure o follow he XXXX XXXX XXXX
Product: Debt collection

Multiple collection companies are trying  to collect the same debt. The balance and dates are wrong on all
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Credit Collection Service XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Debt and Violation of Fair Debt Collection Practices Act ( FDCPA ) Re : Account # XXXX Dear Credit Collection Service XXXX I am writing to formally dispute the validity of the debt referenced in your correspondence [ insert reference number, account number, or date of communication ]. I believe that this debt is not valid, and I am requesting that you provide verification of the debt, as required under 15 U.S.C. 1692g. Specifically, I am requesting that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original signed agreement or contract.

Additionally, I would like to formally address some issues related to your communication practices, as I believe they may violate the Fair Debt Collection Practices Act ( FDCPA ). These violations include, but are not limited to, the following : Violation of 15 U.S.C. 1692c Communication with Consumers : Under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers in certain situations. Specifically : 1692c ( b ) : You have communicated with third parties regarding this debt, which is not permitted without my express consent.

1692c ( c ) : I have requested that you cease communications with me, but you continue to contact me, which violates my right to request no further communication.

Violation of 15 U.S.C. 1692d Harassment or Abuse : Under 15 U.S.C. 1692d, debt collectors are prohibited from using harassment or abusive conduct in connection with the collection of a debt. Specifically : 1692d ( 5 ) :
You have engaged in conduct that is harassing, by leaving this on my credit report and the account stating its an Open Account I request that you cease any further communications with me unless you provide the requested validation of this debt, as required by law, and ensure that all future communications fully comply with the FDCPA.

Required Actions : 1. Please provide verification of the debt, including any documentation that substantiates the claim. 2. Cease all communications with me exce
pt for the required validation of the debt.

3. Immediately halt any further violations of the FDCPA.

Please take this matter seriously and provide the requested verification and clarification within 30 days of receiving this letter, as required by law.

I have filed a complaint with Consumer Financial Protection Bureau ( CFPB ). If you do not comply with this request, I will have no choice but to file a complaint with the Federal Trade Commission ( FTC ), and my states attorney general.

Thank you for your immediate attention to this matter. I expect to hear from you soon regarding the resolution of these issues. 
Sincerely, XXXX XXXX