23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The company has informed me that my payments are doubling and will continue to go up if I am unable to make the current payments to catch up with the past due balance. I have asked them how did they come up with this figure and have not been given an answer. They are requiring me to pay $ XXXX or my car will be repossessed. They are refusing to offer me an affordable payment arrangement. They are also reporting the account as charged off to all three credit bureaus and delinquent.
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 the following companies any permissible purpose. They are in strict violation of this code. I need the following 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. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX*Re : Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

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

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt. 
5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above. 
Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the 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 covering lost funds was impossible, and that tracing these transactions was unfeasible. The CFPBs findings indicate that Zelle 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 concern about consumer safety.
Product: Debt collection

Identity was stolen and impersonater created bills and unpaid debt in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

I have paid the full balance on my card and my money has been withdrawn from my bank account. My card shows a XXXX balance - but because I made more than one payment against the card during the billing period, and the balance was paid in its entirety, my card has been blocked until the card issuer verifies with my bank that my payment is good. This despite the fact that the transaction cleared my bank approximately one week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is the email exchange which happened this evening ; XXXX, I responded to your message and copied it to the list as described. Here is a copy of your message, as well as screenshots of your email to me. I am also filing a formal complaint with the Consumer Finance Protection Bureau, along with a copy of this exchange and screenshots of my payments you are emailing to me. 

XXXX, Then I will disconnect my Social Security XXXX, and seek legal action, after filing a formal complaint and forwarding the details of my conversation with support. I asked for my account history and transactions, both through your app and by mail, requested a replacement card, and was given none of these Are you XXXX? You think you can keep my XXXX income and not let me access my own account after my phone was stolen? This is tantamount to fraud. 

I will seek legal aid and forward this to the proper authorities. The Consumer Finance Protection Bureau, The Justice Department, FBI and others listed in the cc : list below. Your app is a scam. I worked in investment banking most of my career at XXXX XXXX XXXX. 

cc : FBI and Justice Department, XXXX, XXXX XXXX, XXXX XXXX, XXXX, myself, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, Legal Aid XXXX Sent from my XXXX On XX/XX/2023, at XXXX XXXX, Cash Support XXXX wrote : XXXX XXXX, My name is XXXX. I'm a manager with Cash App Support. Thank you for your patience while I reviewed your case. 

I took a look at your case and can see that you have been working with us to gain access to your old account. I have reached out to a specialist to review your account and case. They have informed me that based on the information you provided, your request to access this account was not approved. 

I have been informed by our specialist that for security reasons, we are not able to grant access to the account or funds. They have not disclosed any additional details to me about this, and I can not override this decision. 



Thanks for your understanding. I hope you have a great rest of your day. 

Best Wishes, XXXX Cash App Support Manager ref : XXXX : ref ref : XXXX : ref Get XXXX for XXXX
Product: Mortgage

Currently, Mr. Cooper has our home up for sale on XX/XX/2022, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages.
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to AMERICAN CREDIT ACCEPTANCE about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''
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.

The letters are stated with items and issues. 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

I have made several attempts to rectify this matter with XXXX XXXX XXXX   and Equifax. I have notified XXXX XXXX XXXX and Equifax that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Checking or savings account

If I make a purchase and the funds are available the money comes directly out of my account but can remain in pending from 5 to 7 days but, if one transaction put my account into negative instead of charging me overdraft fee for the single transaction that causes my account to be overdrawn, they charged me overdraft fees for all transaction in pending, even though the funds were deducted from my account. Also if my account becomes overdrawn I'm supposed to get up to 3 days to bring my account updated, but there has been times where I would be charged overdraft fees the very next day. Wells Fargo owes me XXXX or more between both checking accounts in overdraft fees.
Product: Student loan

My PSLF counts were not updated for XXXX. It is now XXXX. My eligible payment count is still at XXXX, it should be XXXX and include XXXX. Many people on online forums have had their counts updated to include XXXX so I know the counts are able to be changed, MOHELA seems to be discriminating against me for some reason. Just like MOHELA wants me to pay my bill on time, I want my counts updated on time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX  [ XXXX XXXX ] [ XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ] [ XXXX XXXX XXXX  XXXX ] [ XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute several hard inquiries that have been reported on my credit report, as outlined under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( n ). I believe these inquiries were made without my consent and do not reflect my actual credit-seeking behavior. 

The following inquiries were reported : XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXXXXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX - Reported XX/XX/XXXX XXXXXXXX XXXX XXXX- Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request the removal of any inquiries that were not authorized by me. I did not authorize these inquiries, and therefore, I request that you investigate these matters and take appropriate action to remove them from my credit report. 

Please provide me with a written response to this dispute within the time frame required by law. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have repeatedly sent out disputes as I have identified several inconsistencies on my credit report with this creditor. First and foremost my account is showing a different opening date across all three credit bureaus. The high balance is inconsistent across all three credit bureaus two agencies show a high balance of {$730.00} and one shows a high balance of {$100.00}. Date of last activity is different across the board as well. One is saying XX/XX/2019, XX/XX/2019, XX/XX/2019. Under 15 U.S Code 1681i ( 5 ) ( A ) treatment of inaccurate or unverifiable information should be deleted immediately! I have the right to dispute inaccurate information in my credit report.
Product: Credit reporting or other personal consumer reports

Filed a report through consumer finance ( cfpb ) on XX/XX/year> report # XXXX, about Experian unlawful actions pertaining credit reporting, EXPERIAN has since locked me out of the account restricting me from viewing the free report by demanding cash payment, not allowing me to to enter in to the personal profile. I was never paying EXPERIAN prior to this report being filed against them. See HJR 192 and 18 usc 8, EXPERIAN is breaking laws and codes causing hardship to consumers and interfering with commerce negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing World Omni account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.
Product: Debt collection

In the last three days I have received two text messages from Dynamic Recovery Solutions stating that this is an attempt to collect a debt I have with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They asked for my contact information ( really?? ) and the last four digits of my Social Security No. 

I have no idea what they are talking about. I will not contact this company because I believe they are up to doing something illegal. I need to know how I can stop them from possibly ruining my credit. 

I have checked them out on line and this type of action seems to be their company mission statement.
Product: Credit reporting or other personal consumer reports

Transunion has told me over the phone that they are not required to do and investigation only furnishers are required to investigate Disputes? This explains further why Im not getting any thing done for the past years I have been Disputing XXXX XXXX XXXX. But a week before agent said that my documents I have sent does not look like the itemized list came from a company and said I could have typed this up. 
I disputed this ( itemized list ) in XXXX only for it to be ignored not only by Transunion but XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax reports that my submissions are accurate, without any external evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.