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

Hi I have sent in numerous letters to the 3 Credit Bureaus suspecting I have had ID Theft on my report. They keep sending me a vague response saying they dont believe its me that is requesting my information to be updated. I have sent it 3 or 4 request since XXXX and I keep getting the same resonse. I feel they are ignoring and stalling my request to update my information. I would like them to honor my previous request. This is so frustrating as I'm looking to purchase a home in the near future. And there is wrong accounts as well as addresses which are NOT mines. I dont feel its fair to penalize someone for another persons malicious actions. I am the victim here, and I dont think its fair for the credit bureaus to treat me like the FRAUDSTER. I thought about hiring a lawyer but I'm not able to do that. Can you please ask them once again to update my credit profile with the correct information? I would greatly apprciate it!
Product: Credit reporting or other personal consumer reports

I've been a victim of Identity theft and as a results of this a fraudulent account has appeared on all three credit bureaus. This account by the name of XXXXXXXX XXXX is reporting late. I have no recollection of this account. At this point I'm requesting for this account to be remove from all three of my credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to express my continued disagreement with the following accounts, which still appear on my credit report despite your recent investigations. These inaccuracies are causing significant harm to my credit score : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the information for the above accounts, so I may follow up directly. Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to you in reference to Navient Account Number : XXXX disputing late payment items reported by Navient to XXXX and XXXX for the period of XXXX XX/XX/XXXX. 

I graduated from XXXX XXXX University in XX/XX/XXXX and began paying off a total student loan debt of approximately {$22000.00}. Over nearly two decades, I diligently made payments to Sallie Mae Servicing and always took my student loan commitment seriously. It was a great feeling in XXXX  to write my final check to Sallie Mae and pay off my student loan in full. During that same period, my loan was sold from Sallie Mae to Navient. And to my surprise, I subsequentially learned that I still owed a very small amount ( approximately {$700.00} ). 

I explained to Navient that I was unaware of the outstanding amount and paid it immediately it. Why would I have paid my student loan for all those years only to make my final payments late? I was very concerned about my credit report and requested that Navient not report my account past due. But was assured that the negative items would be removed. Unfortunately, that never happened. I have repeatedly disputed these negative via electronic means because Navient refuses to take any phone calls on the matter and forces me to correspond only via mail or facsimile. 

On XX/XX/XXXX, I filed complaint # XXXX with the Consumer Financial Protection Bureau. Navient responded by listing the exact dates of notification and attached a scan of a letter that was sent. That documentation cleared up the reason why I was unresponsive and unaware of the remaining debt. During the referenced time period, I had moved from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX. Navient correspondences were sent to the wrong address. 

I have been negatively impacted for years. Given this mistake, late payments should be removed. This inaccurate, unfair, and not in compliance with the Fair Credit Report Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO 2 BUREAUS WITH A ZERO BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO 2 DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED ASAP.
Product: Debt collection

I have reached out to XXXX XXXX ( XXXX XXXX XXXX ) regarding a debt from an Amazon Credit card that was sent to XXXX XXXX  for collection. The debt was for SYNCHRONY BANK in the amount of {$1100.00}. The original account number was XXXX. My XXXX XXXX Account Number was XXXX. For some reason thay have changed this to XXXX. 

I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted XXXX XXXX and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. 

When the credit report was not updated I contacted XXXX XXXX and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted XXXX XXXX again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. 

I contacted XXXX XXXX. They claim to have sent the information to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX ( who would not provide a last name ) at XXXX XXXX  XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to XXXX XXXX that day to correct the issue. 

XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
Product: Debt collection

In XXXX of this year I contacted the debt collector for the XXXX XXXX XXXX, Parrish & Lebar ( XXXX XXXX XXXX XXXX XXXX, Va. XXXX ) to set up a payment arrangement for a balance of over {$2000.00} due to toll fines ( that originally amounted to less than {$20.00} ) so that I could register my vehicle. I received my paperwork, mailed in my first installment payment, and I made at least 2 payments after that. In XX/XX/XXXX I contacted DMV directly because I was unable to register my car online. I was informed that there was a hold on my account due to the toll violations. I inquired about the payment arrangement and at that time I was notified that DMV stopped accepting payment arrangements for toll violations in XXXX. I contacted Parrish & Lebar, the supervisor, I believe her name is XXXX, informed me that she had no clue that there was a new DMV policy. At the time I did not have the money to pay the toll fees in full. 
XX/XX/XXXX I contacted Parrish and Lebar again and asked for a settlement amount. The supervisor informed me that the settlement amount would be {$1100.00}. On XX/XX/XXXX I called Parrish & Lebar and I asked for the settlement amount again, at this time I spoke to a different person, but I was given the same amount. I paid that amount over the phone and I later signed the receipt that was emailed to me on the same day. 
Since making that payment, I have been in contact with DMV and the XXXX XXXX XXXX trying to figure out why the hold on my DMV account hadn't been removed. Today I was told by a traffic court clerk to contact Parrish & Lebar. The conversation that I had with the supervisor of that office is what brought me to file this complaint. 
The supervisor explained to me that their law firm does not offer settlements, she & the other individual I spoke with both " assumed '' that I was referring to a garnishment that the law firm had filed last month ( I knew nothing about this & there is no record of a judgement online ). She also stated that I knew the full amount that I owed and it was up to me to notify her that I was given an incorrect amount. I explained that I have dealt with collection agencies before. In those instances I asked for a settlement amount and I was provided a dollar amount lower than the original balance. I also called Parrish & Lebar a 3rd time after I made a payment, asking them to forward my payment receipt to the traffic court because I needed to have the hold removed from my DMV account. That was yet another opportunity for them to inform me of their policy and to also explain that I still owed more money. No one said a thing. I am greatly upset. On two separate occasions I have tried to handle this toll situation and both times I have been burned. 
Parrish & Lebar should not be allowed to take a person 's money and do whatever they want without any recourse. I still owe {$1400.00}. I simply do not have it. I am not able to register my vehicle and I am not sure when I will be able to do so.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXXXXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I took out a loan with XXXX XXXX paid it off on time however Transuion and XXXX XXXX  they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me severe XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against XXXX XXXX for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also inquiries that I did not authorize Transuion have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXXXXXXXXXXXX XX/XX/XXXX {$920.00} 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 - XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, I deposited my XXXX retirement account check via mobile deposit. I didn't end up receiving my funds until XX/XX/year> and this was after numerous hours on the phone with customer service and at the branch. When I went into the branch I dealt with XXXX XXXX. She told me that my bank account was closed due to " non activity ''. Well, the reason why the account wasn't active was because my funds weren't deposited into my account. She ended up reopening my account, giving me the cash amount of the check which was {$1200.00}. On XX/XX/year> I was charged for that same amount, {$1200.00}.
Product: Credit reporting or other personal consumer reports

I have found unauthorized accounts that are unknown to me and consist of aggravated identity theft. 
I have attached a file that was sent to Transunion for further investigation to this matter concerning these unknown accounts.
Product: Debt collection

A company has reported false information to all 3 credit bureaus. This company claims that I owe a balance of {$130.00} of which I do not know anything about. The open date is XX/XX/2018. I have disputed the account with all 3 major credit bureaus, and they have all come back verified. On my XXXX  credit report the account status updated to charge-off ; after my dispute exclaiming the account not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several times to resolve this problem. I had collections from XXXX XXXX XXXX  ( XXXX XXXX ) I set up a payment and I paid the remaining amount on XX/XX/2019. They reported it to all the credit reporting agencies. The only one that is still showing I stillI have 3 collections on my report is Equifax. I opened a dispute and I am not getting anywhere with them. They just keep giving me the run around. Today they said the system was updating and I would have to call back in about an hour. Which I had already was on the phone over 30 minutes. This is effecting my credit score. They have worst customer service.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 serious concerns about consumersafety.
Product: Mortgage

Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. XXXX XXXX Bank of America purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. XXXX XXXX Bank of America has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
( The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have tried to fix this issue many years ago. Initially I had an American Express Green card and settled the account. Part of my settling the balance was to enter the XXXX program where I 'd get a new XXXX card with a credit line of half my settled balance. This should have been approximately for 3,000. Weeks later I asked American Express for my card with XXXX credit line and they said it was on its way. This was in 2007. Years later I pulled my credit and saw an open account from American Express I did n't know about with a XXXX credit line. I called American Express and they said it was from my osasis program. I have asked American Express to send me the terms of the XXXX to prove that the terms were for half of my credit line. They never sent me those forms for the terms of the XXXX. This is what my complaint is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, like many others, had my personal information compromised as a result of the Equifax security breach that occurred sometime around XX/XX/XXXX or XXXX of 2017.
Product: Debt collection

I made a purchase through XXXX on XX/XX/2023, Order Number : XXXX. I paid for this purchase with my XXXX gift card, and it was also processed by XXXX as an Affirm loan which I did not authorize. Affirm has reported this purchase to the credit bureaus as a delinquent account as of XX/XX/2023 for the amount of {$33.00}. I do not owe Affirm for this purchase. XXXX does because Affirm paid XXXX for this purchase and so did I. XXXX was paid twice for this purchase and that is fraud. I contacted XXXX and Affirm and tried to dispute this transaction with no resolution. Please see the attached confirmation email from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXX Ma, and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within XXXX  days. It has been more than XXXX business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Product: Vehicle loan or lease

Dear Capital One, I did receive the response youve sent attached to my complaint submitted to the CFPB dated XX/XX/XXXX and while I respect that you responded to my Affidavit of Truth, you still did not answer or respond to any of the information contained within the notarized Affidavit of Truth, which still stands. You also advised that XXXX XXXX XXXX XXXX made my first payment due to delays with funding. There was no new contract provided ; there was an additional processing of my consumer credit file ; and you have failed to provide me with full disclosure of the terms of the contract ; I am ordering you to show cause of debt, and show the effects of credit on the financial journal and ledger entries so i can verify and validate any alleged obligations. While you advised that you denied my request to rescind contract, retain possession and obtain refund of down payment, you failed to advise why you are refusing so, and why there isnt an adequate or thorough response to the affidavit that was sent over to you all certified mail and here, to the CFPB. When responding to a notarized affidavit, once you confirmed receipt of the affidavit, you are to rebut my entire affidavit, point by point, and have that rebuttal notarized and signed by 2 witnesses. An unrebutted affidavit stands as truth in commerce. The letter then goes on to state " If you question the results of our dispute process, you may also contact the furnisher of information directly. Please take notice that this is an investigation of the business practices of the above-named organization, its agents, officers, and employees to determine violations of the United States federal consumer protection laws.Further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of The Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. Further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title U.S.C. 1341 - Frauds and Swindles laws, and further sending mail with false and fictitious names, criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. I have attached a copy of the notarized affidavit that was signed and received by your company. I am looking forward to your point by point response to the information that was sent over in addition to reviewing the contents of this complaint. The company failed to provide the adequate paperwork for full disclosures including the right of the consumer to rescind a transaction ; this is one of the many violations documented and detailed in the affidavit of truth attached.