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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I obtained from XXXX. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX Date of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX After carefully reviewing my credit report, I have identified that the late payments reported are incorrect. I have attached supporting documentation ( such as bank statements, payment confirmations, and correspondence with the creditor ) to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Furthermore, the FCRA mandates that credit reporting agencies must ensure the accuracy and completeness of the information they report. Specifically, 15 U.S. Code 1681e ( b ) states : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Furthermore, the FCRA mandates that credit reporting agencies must ensure the accuracy and completeness of the information they report. Specifically, 15 U.S. Code 1681e ( b ) states : " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Additionally, 15 U.S. Code 1681a provides the definitions and rules of construction for terms used throughout the FCRA. This section ensures that the terms such as " consumer report, '' " consumer reporting agency, '' and " file '' are clearly defined, ensuring accurate and fair handling of consumer information.

Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) addresses the responsibilities of furnishers of information to consumer reporting agencies, stating : " 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. '' Moreover, 15 U.S. Code 1681a-2 ( A ) ( i ) defines exclusions to the term " consumer report, '' stating that : " Any report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the definition of a consumer report.

" Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In accordance with these provisions, I am requesting that you : Investigate this matter with the creditor who furnished the information.

Correct inaccurate late payment information from my credit report PAID AS AGREED.

Provide me with a written confirmation that the disputed information has been corrected.

I expect a response to this dispute within the 30-day timeframe required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute.
Product: Money transfer, virtual currency, or money service

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 neglected protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from SYNCB/AMAZON. I disputed this inquiry with the credit bureau XX/XX/XXXXXXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX  amount {$400.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX {$240.00} 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I have called a few times in the past to get an exact percentage as to what my interest is on my current loan and I have been given the run around on it. I was told XXXX different numbers which did not add up correctly when running the numbers through a spreadsheet then I was told it was in my promissory note. I checked that and that lead me to look at a XXXX XXXX number which did not add up either. Been lost in all of this and felt that I have not been told what is the exact interest number as it seems like it constantly changes. 

I understand the amount I have left, but what interest do I owe? If I gave you XXXX each 30 days, how much of that goes to the current balance and how much goes to the loan? And why does it change? How do I know what I am actually paying?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i asked them to remove the inquiry
Product: Credit reporting or other personal consumer reports

I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. XXXX XXXX is reporting an account to my credit report which appears to be a credit card account which is closed and is reporting a balance of {$610.00} for several months now. I am not liable for this debt. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.
Product: Debt collection

I am a victim of identity theft of the XXXX  hack in XXXX. Portfolio Recovery Associates has listed a collections on my credit file as of XX/XX/XXXX. I noticed this collections on my credit file as of XX/XX/XXXX. I am a victim of identity theft and I have involved law enforcement officials to assist with this matter. I have attempted to contact the company for assistance. I have never had an account with XXXX XXXX  XXXX  nor have I had one in the past. In addition I have asked for a debt validation with bearing my signature that this is my debt. I have not received one as of yet.
Product: Vehicle loan or lease

Wells Fargo repossessed the vehicle knowing that there was gap insurance as well as had me to file the car on my taxes with this knowledge so they received funds from me and sold this vehicle
Product: Mortgage

Freedom Mortgage are sending us letters stating that we are behind our mortgage payments and that it has been reported to credit bureaus. it gives us an option to go to their website www.freedommortgage.com and thru payment-by-phone costumer care team at XXXX. We do not have our mortgage with them and we have our payments thru automatic payments with our lender. Please check this company impostor. I'm sure they are targeting older owners who does not have computer access to verify.
Product: Credit card

I received this XX/XX/XXXXand decided to try to purchase my cart on XXXX and the payment began to decline multiple times saying the company refused the payment. So I went to the website on the card to check my balance it said I had the full amount I was supposed to the payment continued to decline so I called the number I put in the card number multiple times the voice messenger told me it was incorrect multiple times which led me to where I am now.
Product: Credit card

Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. 
I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.
Product: Debt collection

XXXX XXXX Calling, emailing, and texting on an inaccurate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information may have been part of the Equifax hack that has recently happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance XXXX {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from analleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXXXXXX XXXX regarding their failure to properly setup automatic payments for my mortgage account XXXX, resulting in a late payment and associated fees. 

On XX/XX/year>, I spoke with a representative of XXXX to set up automatic payments for my mortgage. The representative confirmed that autopay would be established, and I provided all necessary information during this phone call. I relied on this confirmation to ensure my mortgage payments would be processed automatically. 
However, the autopay was never properly set up, leading to a missed payment. This error was solely due to the servicer 's failure to execute my clearly communicated request. As a result, I have been charged late fees and this incident may negatively impact my credit score. 

I request the following remedies : -Removal of all late fees associated with this incident -Correction of any negative credit reporting related to this late payment -Written confirmation that autopay has been properly established -Documentation of the XX/XX/XXXX phone call to verify my request Prior to filing this complaint, I attempted to resolve this issue directly with XXXXXXXX XXXX on XX/XX/XXXX by phone, but the issue remains unresolved. 
T he following details support my complaint : Mortgage Account Number : [ Number ] Date of phone call requesting autopay : XX/XX/year> Date of missed payment : XX/XX/year> I have maintained timely payments on my mortgage prior to this incident, and this late payment was solely due to the servicer 's failure to execute my requested autopay setup. 
Please investigate this matter and assist in resolving these issues. I can be reached at XXXX for any additional information needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had someone named XXXX XXXX who falsely identified himself as the compliance officer of Florida from the number XXXX call my phone saying he was coming to my house or my job to make me pay money for something I owed. This was the voice mail he left me after calling my aunt and my mother, trying to make them give out my personal information. Also on the voicemail he left the office number which is XXXX. I called and spoke with someone who turns out to be a debt collector not the compliance Officer of Florida. They demanded payment from me of {$5000.00} which was {$4000.00} over what was really owed. I hung up and called the original creditor who explained to me they never tried to sue me they sold the account to a collection agency and lucky provided me the information to the collection agency. Because when speaking to the collection agency they gave a false name of the company and lied and said they where an attorney office. Their real name is Northwood Asset Management Group, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The first point of contact was XX/XX/2021 at XXXX I missed the call and they left there first voicemail they called my mom at XXXX and my aunt at XXXX all on the same day. Trying to bully them into giving my address. I called the office on XX/XX/XXXX at XXXX to discuss the calls and the threats they were making. They continued to lie and make up different amounts of money I owed. I hung up with them and that was the end, or so I thought so today XX/XX/2021 at XXXX the calls and the threats stated back as well as calling my family once again. I called mad and said stop calling my family with out identifying myself the worker starts telling me XXXX XXXX XXXX your broke, your poor you have a XXXX credit score. How do you accuse me of a name and never verified the call I never stated my name. But it gets better he then goes on to say he wishes I have a XXXX XXXX and my XXXX XXXX as a mother when she had me then hung up and blocked my phone number. This is unacceptable honestly, pure disgust.
Product: Credit reporting

transunion keeps on putting back a previous deleted information on my credidt report a XXXX XXXX XXXX charge off please have them remove this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Student loan

In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I applied for several credit cards, that were chosen by Credit Karma, claiming that my approval odds were outstanding. Cards that are among the denied were XXXX XXXX XXXX XXXX. My credit score then dropped after the denials.
Product: Vehicle loan or lease

I purchased the vehicle XX/XX/XXXX used online from XXXX dealership. I arrived at dealership received keys signed and left. Within 45 days the car began to have problems. First breakdown was in Utah since I had a warranty I used that to tow the vehicle to dealership they fixed. I work for door dash delivery so was stuck without a vehicle for days. Contacted bank they said it's fine just make payment don't worry if late. XXXX was bad gas was too high fell behind on payments. XX/XX/XXXX through XX/XX/XXXX transmission was gone. I was stranded in California for a month waiting for warranty to kick in. Can't work again and now borrowing money for hotels, food and transportation because warranty only covered XXXX. Went to AZ for a job offer and on XX/XX/XXXX car was gone. I contacted local police they told me was repossessed. I attempted to contact Santander to receiving no replies, documents by mail, or personal property in the vehicle. I checked my credit XX/XX/XXXX it said Santander wrote off the loan then this month I checked credit again and loan was reduced to XXXX from XXXX so basically I guess the car was sold for the difference. Now my credit is ruined because the car was a lemon that had over XXXX different owners I didn't know this until later. Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. This was absolutely a predatory loan and second they failed to return my property or provide me any documentation. I worked for XXXX and my other vehicle brokedown so I needed a car. They never even asked for proof of employment I thought it was my XXXX credit score that helped me.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting an incorrect address on my credit report and not only are they in violation of 15 U.S.C. 1681c-2 ( a ) as I reported fraud on this address and in that they are required to remove it within 4 days of the the identify theft report which was received by them on XX/XX/XXXX, but this address is a non mailable address that represents a debt that is not valid. And in accordance with 15 usc 1681 n-1 must be removed immediately.

Across the board all 3 credit reports have to report the same info it has already been investigated by XXXX and XXXX already removed the accounts and list the proper information Equifax is the only agency not reporting properly which is in violation of 15 U.S.C. 1681e ( b ) .please see the personal information portion of my credit report attached to verify I ask that Equifax remove the address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX immeditatley. They are to replace it with my proper address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my cashapp account was hacked into and 27 unauthorized transactions occurred totaling up to {$1300.00}. When the person hacked into my account they locked me out of it and also changed my cashapp name and took my phone number and email off the account. I called cashapp support and the gentleman helped me get back into my account and made a claim for me and told me by looking at all the details of what happened id get my money back because it was very obvious i was hacked. Cash app denied my claim, they wont tell me why. They wont speak to me about it even though i have info that will help their investigation. I have the # that hacked into my account it was XXXX and the cash app the hacker sent my money to was XXXX XXXXXXXX