23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX  and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
Product: Student loan

This complaint is a follow-up to complaint XXXX. 

I have been working with Fedloan for several months now to keep my loans in repayment and Fedloan has been unwilling to help. I work full time and go to law school at night. I have been repaying my loans continuously since XXXX and Fedloan suddenly decided this fall to put my loans in deferment because they were notified that I was a student again. The deferment started several months after I enrolled. I requested that my loans be put back in repayment so that I would continue to be automatically billed each month, with additional amounts directed at the highest interest loans. Because Fedloan moved my loans into deferment without contacting me, additional interest has accrued and payments have not been applied. I have already reached out to Fedloan to have my loans placed back in repayment twice, only to receive an email notification on XXXX/XXXX/XXXX that my loans have been placed back in deferment for a third time without my permission and against my previous requests. This has to be illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft To Whom It May Concern : I am writing to dispute several accounts on my credit report that were opened fraudulently due to identity theft. These accounts do not belong to me, and I request their removal under the Fair Credit Reporting Act ( FCRA ).

The fraudulent accounts are as follows : Potentially Negative XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Closed. {$120.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} Status Closed. {$120.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$510.00} Status Closed. {$210.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$27000.00} Status Account charged off. {$29000.00} written off. {$27000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XXXX have enclosed the following documents to support my claim : A copy of my FTC Identity Theft Report A copy of my police report A copy of my ID and proof of address Please investigate these accounts and remove them from my credit file immediately. I also request that a fraud alert be placed on my credit report to prevent future unauthorized activity. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my account twice for the same charge, when I only had one closed account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/2018 {$350.00} Original creditor : XXXX Opened : XX/XX/2018 XXXX 1 yr, XXXX mos ) Account status : Open Responsibility Individual Original Creditor Name XXXX
Product: Credit card

I was sent a refund of overpayment on my Walmart card that was mailed on XX/XX/XXXX. I lost that mail in my car and I found it on XX/XX/XXXX. I tried to cash it at Walmart, and was told it was not honored because it was over six months old. I have been trying to get a replacement check since XXXX XXXX, XXXX. Synchrony Bank has strung me along every month since then, telling me to wait for one reason or another. I called today and spoke to XXXX, who said they called me on XXXX XXXX, XXXX telling me that they would not honor the check because it was over two years old. That was not true. I have never received a call from them. She then stated that I could call back, thirty days from the call I never got on XXXX XXXX. Today I 'm asking for your help to resolve this matter. I called Walmart costumer service, and followed the prompts which leads you directly to a Synchrony bank rep. 

Thank you,.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal countless times and they constantly give me a different answer. They wont release funds to me that was supposedly already released. Then they put a hold on transfers which caused nsf fees I have been hurt financially by this situation. I would like my nsf fees paid back and fees for distress
Product: Debt collection

Cease and desist. I demand that you immediately cease and desist from texting, calling, emailing and harassing my family members. Also REMOVE ANY ACCOUNTS that don't have VALIDATION IN ITS ENTIRETY INCLUDING YOUR PROCRSS. Your actions are unlawful and have caused, and continue to cause, harm to me. 

I have a voice message left on my relative phone where someone disclose inaccurate information concerning me. 
Your actions constitute a violation of privacy rights. If this unlawful behavior does not stop immediately, I will be forced to take legal action to protect my rights, including but not limited to seeking monetary damages, injunctive relief, and attorney 's fees. 
I hereby demand. No Waiver of Rights This letter does not constitute a waiver of any rights, remedies, or defenses that I may have in this matter, all of which are expressly reserved.

Failure to comply with this demand may result in legal action being initiated against you without further notice.

Please be advised that this letter is not intended to be a complete or exhaustive statement of the facts or applicable law and is provided without prejudice to my rights and remedies, all of which are expressly reserved.
Product: Vehicle loan or lease

On XX/XX/2021 Credit Acceptance reported my payment for the month of XXXX as late when I had a billable credit card on file with the company. 

The issue is I was directed to put a card on file for automatic billing and I was advised I " could '' use a credit card not a debit card. 

I followed instructions by placing a credit card on file only to have this form of payment rejected. I was not notified about the rejected payment and or the late payment until after the 30 day period. 

The issue is that I was told by a representative on XX/XX/XXXX that a " credit card '' was a sufficient form of payment and that it could be added to my profile. 

My complaint is I now have a late payment on my credit report which ruined my credit and any chances of purchasing a home I already had under contract. 
I lost the home and the mortgage pre approval and my credit score dropped over 100 points.

i reached out to Credit Acceptance via there dispute process and was denied any validation and or correction of the error and consideration of removing the " Late Payment '' in good faith. 

My payments were current before and after this incident and I have suffered a great loss due to this error on their part.

Credit Acceptance needs to post acceptable forms of payment in their online website payment portal.
Product: Credit reporting or other personal consumer reports

I have not been too interested in my credit before now that I am upon reading my cred report I have found serveral fraudulent account and serveral hard inquiries on my report which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX also serval hard inquiries which includes XXXX XXXX XXXX XXXX  XXXX, XXXX
Product: Mortgage

I recently purchased a residence and was making half-payments every other week. My mortgage was transferred to LoanDepot at which point I was never informed of their practice to not accept biweekly payments. After two months ( XXXX ) I began to receive letters in the mail advising I was severely delinquent, while I received only one check returned in the amount of a biweekly payment. After speaking with a representative to make corrections, I was informed by this representative on XXXX XXXX that my account was current and up to date and " I was fine from here ''. There were also deductions from my checking account in the amount of the payments requested to correlate with this information. However ... on XX/XX/XXXX I received another letter in the mail stating I was again two months behind payments in the amount of {$3200.00}. It is clear LoanDepot misrepresents information by not properly disclosing a change to acceptable payment amounts, and utilizes confusing tactics by mailing six statements within a one month period ... each with a different amount due. 

I have a recorded message from the representative, and copies of all bills and receipts upon inquiry.
Product: Credit reporting or other personal consumer reports

Incorrect birthday on Experian. 
Incorrect Names on XXXX 
Incorrect address and name on XXXX. I am aware of being able to sue them for incorrect items reporting. I reached out several times to no avail. Several collections on my account whom I have never heard of as I did not do business with these individuals. I am attaching my DL and a bill to update addresses.
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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Checking or savings account

My account was restricted on XX/XX/2024. On XX/XX/2024, I walked into my local Chase branch to provide documentation for proof that my check was not cashed at another banked since Chase kept claiming it was. I provided the banker with the documentation from XXXX to which I sat there while she called the fraud department to submit the paperwork and requests for both my check funds to be released and my checking account to be reopened. My checking account was reopened but they did not respond about my check funds. After calling the next day, I was told to wait XXXX business days to receive my funds. Its been more than 10 business days since and when I call, they tell me well submit another request or they tell me you need to go to Chase and submit evidence it wasnt cashed at XXXX which I have done multiple times to no avail. This company owes me my money and I want it before taking legal action for this small problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent XXXX account that doesnt belong to me. XXXX XXXX ( balance {$7400.00} )
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint and Request for Removal of Improper Charge-off I am writing to formally contest and demand a prompt investigation and deletion of improper charge-off entries reported by a third-party collection agency on my credit report. These entries have significantly damaged my financial reputation, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It's important to note that I have never had a contractual agreement with this collection agency. Their reporting of my credit data without a contractual relationship is not only unfounded but also violates several legal standards regarding credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The charge-offs reported, which are effectively claims of debt I have not acknowledged, are listed on my credit report without my consent, clearly breaching established rules of lawful credit reporting. Also know as certificates of indebtedness.

2. **Failure to Provide Form 1099-C** : The agency did not supply me with Form 1099-C for debt cancellation, crucial for correct tax filing and IRS compliance. This failure exposes me to potential tax non-compliance risks.

3. **Violation of Privacy Rights** : This reporting breaches the Privacy Act of 1974 ( 5 U.S. Code 552a ), which offers strict protections against unauthorized disclosure of personal data.

4. **No Contractual Relationship** : There is no formal agreement between me and the agency, making their credit reporting a direct violation of my consumer rights.

5. **Opt-Out Rights** : Per regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am officially withdrawing any implied consents for sharing or reporting my credit information.

Considering these issues, I request an immediate review and removal of these erroneous entries from my credit report, along with written confirmation of this removal. Please be advised that I am ready to pursue further action, including legal measures, to correct my credit information and defend my rights. 
I appreciate your prompt attention to this critical issue and await your swift action and response.
Product: Debt collection

I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. 
I want to report this company as a total fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX AND XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXXXXXX AND XXXX XXXXXXXX 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

I met a guy named XXXX XXXX ( XXXX name : XXXX XXXX ) from dating app XXXX, we developed a very deep relationship, and we started to plan to make money from crypto market for our future of life, and he guided me to set up crpto and wallet acount and started to transfer money to a third trade platform named XXXX I stransfered several times ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) totally XXXX, during these days, he transfered me money to my XXXX platform account as well two times ( That was fake I realliezed now ). Today, When I transfer the latest time from XXXX XXXX XXXXXXXX to Crypto.com, the agent warned me crypto scams! so I wento to the platform to withdraw the money was not successed, but been told by customer service I need pay 30 % service fee before I withdraw the fund, I reallized it was a scam!!!! 
Pls help!!!!!!!!! I am a single mom with XXXX kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX and 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 a account without my written my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

9 Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX BANK XXXX XXXX Opened XX/XX/XXXX Balance {$640.00}, XXXX XXXX  Inquiry Date XX/XX/XXXX 2020
Product: Mortgage

I previously filed a complaint with CFPA on Navy Federal. Navy Federal responded back saying they would make the process better and fulfill me with better service. They have not. I have been asked some questions twice and others XXXX times. It has taken over a month to try and get an appraisal. I was asked if l would accept an appraisal fee of XXXX something dollars. A typical appraisal where l live is {$350.00}. I accepted the high fee in hope of closing the mortgage before another hard inquiry ensued. I have just been informed the rate lock will expire XX/XX/XXXX and l may pay what ever market rate is. I first began the process of a mortgage with Navy Federal in XXXX of XXXX I view the mortgage division as a giant slow moving machine with many broken parts! My experience has been terribly frustrating. Implementation of the mortgage procedures has been grossly ineffective and grossly inefficient. I was hoping and expecting a better experience and outcome. Sadly this has not materialized and l am thinking of calling it quits in exasperation. I profusely regret my decision to use Navy Federal. I do not think the institution can fix anything at this point, being so badly of a broken mortgage company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My vehicle was broken into, and my wallet was stolen, which included my Georgia XXXX, credit cards, and other items. I have already filed a police report. Since then, all my accounts have been used fraudulently because of the identity theft. As a result, I do not recognize any of the transactions on my credit report and none of the transactions relate to me. 

Dealing with this identity theft has been stressful and has caused me so many issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}