23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Product: Debt collection

This collection appeared on my credit reports showing that I opened this payday loan account on XX/XX/year> without any record of the transaction. There was no record prior to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 antedate 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that exposed significant shortcomings in the platform. Despite frequently using Zelle and reporting discrepancies, my claims were not adequately investigated by my financial institution or Zelle. I was informed that recovering lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Debt collection

Citibank Department of collection is showing that no payments XX/XX/20 and XX/XX/20 totaling {$880.00} were received for forbearance accordingly to the loan statements which mean that I supposedly paid XXXX of XXXX payments in that year. But I sent Citibank my checking account statements for the entire 2020 year showing them that XXXX of XXXX payments were done to that loan. There is XXXX extra month / payment of {$440.00} Citibank is trying to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I did not consent to these inquiries and they need to be removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. It is my understanding that you will check these items with the person who has posted them. Please remove any information that the you can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 


-- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 -- - SYNCB/PAYPAL ( Bank ) XX/XX/2021 -- - SYNCB/CARE CREDIT XXXX Finance ) XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I has a previous case, where I could not make a payment of my capital one card. 

The issue it seams is due to the fact I am a XXXX going through US immigration. And somehow the Capital one system detected my OLD XXXX Capital one card. So it had my US card flagged in the system. 

Someone from Capital one called and it was fixed. And that card I have been able to make payments on. 

Except.. somehow it then linked my XXXX SSN into the US. And that card is using my XXXX SSN. And it created credit bureau reports using my XXXX SSN. 

I did not notice this right away. 

But then Capital one offered me a new card. Under a preapproval letter for a different type of Capital one card. I accepted and the card was granted. That card is definetly using my US SSN.

Issue is I can not PAY it. I can not link it I can not create an online account to pay it with. As it tosses a oops we hit a snag error.

I did one payment over the phone which took hours to complete. 

We then went through what is happening as the US Capital one system shows me twice.. once with my XXXX SSN, and again with my US SSN XXXX 

We spoke to there fraud unit to confirm who I was, I started this process back in XXXX XXXX. I had to fax them all my paper work. Which I did ... they promised to call in two weeks. 

nothing happened. 

I then contacted again, they confirmed they could see all my paper work but nothing had been done. 

So they said I needed to open another case, as the other one had been closed due to non activity.

I am now behind, and calling in they can't take payment I can't make payment. I am to the point I just feel like I should cancel the cards. It is such a pain to deal with.

So on my call back they said open another case sent me alink, I said okay I will send all the paper work again. And confirmed on the phone, with them.. can you see it.. yes could can you review it yes looks good.. should take two weeks to fix and we will call you. 

It has been a month and again still not fixed.
Product: Debt collection

Midwest Recovery Systems reported a debt from a Payday loan company, 12 XXXX XXXX XXXX  for XXXX dollars on XX/XX/2019 to all the credit bureaus. I was never notified of this debt and I don't know anything about it. No information about the original debt was included with the credit bureau and I was never notified in writing about this debt. Midwest Recovery Systems. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit card or prepaid card

American Express only approves me for cards with a really high annual fees. They are trying to extort me for their annual fees. When I apply for a card with No annual fee they immediately decline me for the same reasons that they approved me for. I had over ten American Express cards in the past 5  years. My credit wasn't as good when they approved me for the cards previously. FICO score was XXXX when they approved me for several cards with the same info on my XXXX credit report. My FICO score is currently XXXX with same factors on my report.. And they are declining me. Most recently got declined for a Amex Cash magnet card. The cards American Express has approved me for in the recent years when my FICO score was XXXX are as follows. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Amex. XX/XX/XXXX Approved for a Platinum. XX/XX/XXXX Approved for a XXXX XXXX. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Card.  XX/XX/XXXX Approved for a Gold Card. XX/XX/XXXX Approved for a XXXX XXXX Card. XX/XX/XXXX Approved for a Platinum Card. There is a trend of American Express only approving me for cards with annual fees. When I got approved for all these American Express cards my FICO score was XXXX with the exact same report on today. Only today my FICO is XXXX according to the Bureau American  Express pulls XXXX FICO score base XXXX. If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. I spoke to an American Express rep on XX/XX/XXXX and the rep understood the concern and offered me to reverse the {$250.00} annual fee on my current Gold American Express card. The only reason American Express offered to do that is because what they are doing to me is wrong. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.
Product: Credit reporting or other personal consumer reports

I contacted this company in regards to a Bankruptcy they are reporting on my consumer and XXXX XXXX report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!
Product: Credit reporting or other personal consumer reports

XXXX : Inaccurate Reporting of Charge-Off Account on My Credit Report** I am writing to formally file a complaint against XXXX XXXX for furnishing inaccurate information to one or more consumer reporting agencies. The erroneous reporting of this XXXX XXXX account ( account number ending in XXXX ) as a charge-off has severely damaged my character, reputation, general mode of living, and ability to obtain credit for personal and housing purposes. This inaccurate reporting has also adversely affected my livelihood. 

On XX/XX/XXXX, I notified XXXXXXXX XXXX  about the inaccurate information they were reporting and requested that they cease and desist immediately and delete the XXXX XXXX account in question. However, they have willfully remained noncompliant with FCRA laws regarding the reporting of inaccurate information. 

**15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies** ( a ) Duty of Furnishers of Information to Provide Accurate Information Prohibition ( A ) Reporting Information with Actual Knowledge of Errors A person must not furnish any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX  is inaccurately reporting a {$680.00} balance on a charged-off XXXX XXXX account to XXXX or more of my consumer reports. This contradicts their internal accounting treatment of the debt as uncollectible. Since XXXXXXXX XXXX XXXXas charged off this XXXX XXXX account ( ending in XXXX ) and considers the balance to be XXXX for accounting purposes, reporting a {$680.00} balance on my consumer report is fundamentally inaccurate. This account should be deleted immediately. When a lender charges off an account, they recognize the debt as uncollectible, and the balance is reduced to zero for accounting purposes. 

According to the IRS, a charge-off is defined as gross or ordinary income. Income should not be reported on a consumer credit report, making XXXXXXXX XXXX XXXX reporting of this account as a charge-off fundamentally inaccurate since this debt is now considered income as defined by the IRS. 

Furthermore, the IRS requires that a lender file Form 1099-C and send a copy to the borrower if the amount of debt canceled is {$600.00} or more and the lender is a financial institution. Despite not receiving a Form 1099-C from XXXX XXXX  , I have already filed this charge-off account on my XXXX tax return as income. XXXX XXXX should not be reporting this charge off XXXX XXXX account to consumer reporting agencies. I demand this account be deleted immediately! 

I will be reporting tax fraud against XXXXXXXX XXXX by completing Form 3949-A for not complying with IRS regulations XXXX The IRS mandates that financial institutions must issue a Form 1099-C to both the borrower and the IRS when they cancel a debt of {$600.00} or more. 

I urge the CFPB to investigate this matter and take appropriate action against XXXXXXXX XXXX  for their harmful and inaccurate reporting practices.
Product: Student loan

AES/PHEAA continues to send emails even after I had warned them on multiple occasions to cease and desist with all communications. The person or persons who decide to reply to this, I respectfully ask the CFPB to document who they are to determine if they're even an eligible agent responding or if they are simply taking it upon themselves to violate my Consumer Rights vindictively. I would also ask to see Credentials to verify whoever is responding is legally allowed. Based on recent events where data is breached within companies, I'm not entirely sure I feel comfortable not knowing who exactly is handling these complaints from AES/PHEAA. As far as I'm concerned, it could be someone not affiliated with AES/PHEAA. AES/PHEAA should identify the person or persons handling these complaints, because just labeling themselves as being from the company is not enough to vet their real identity.

I also challenge AES/PHEAA to prove to every borrower who accesses their system that their Online Portal is secure enough to be able to resist intrusions. Until I see proof, there is no convincing me otherwise.
Product: Mortgage

SINCE XXXX WE HAD A GREAT RECORD OF MORTGAGE PAYMENTS!!!! 
UNTILL XXXX WHEN WE GOT SCREWED BY THE BIG BANKS!!!! 
THEY RUBBED US FROM THE ENTIRE EQUITY IN OUR PROPRTY.!!! 
THEY STOLE OUR RETIREMENT MONEY!!! 
TODAY THE JUSTICE DEPARTMENT IS SUPPORTING THEM!!!!

WHERE DID JUSTICE GO??????? 
YOU TELL ME!!!!!!!!!
Product: Bank account or service

I have a business account with citibank. A customer placed an order with me by phone, the amount of the invoice was XXXX USD the customer told me that he would pay with a citibank check and he would deposit on my citibank account, I told him that the funds have to be available before I can give the merchandise, he deposited on XXXX on XX/XX/2017 but it was pending, the next day XX/XX/2017 I saw my funds available online, not satisfied with this, I went to a citibank atm and printed out the available money receipt, not satisfied with this I called Citi Business and talk to a representative that assure me that the check was deposited and the funds available so the customer came with his truck and took the merchandise. Today XX/XX/2017 Citibank takes the money out of the account with a hold, when I go to the branch they tell me that in fact the deposit made on a Citibank branch with a citibank check but the account number does n't exist and that they are not liable for this that I should until they send the check to me and I should place a police report, but that they are not responsible. I would think that, inmmediatly as soon as the fake check arrived to the teller since its from the same bank they would know is fake and that they are responsible. 
Name of the Account : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Mortgage

Last XXXX my mortgage company increased my escrow payment to {$410.00} per month. They stated my taxes and insurance went up. I contacted my insurance and yes it did go up, {$60.00} per year. But my taxes went down {$200.00} per year. I contacted my county tax assessor and got legal copies of the taxes assessed. I contacted my insurance and they told me I pay {$1300.00} per year insurance and taxes are {$1300.00} per year. Roughly {$2700.00} per year. But {$410.00} times 12 months is {$5000.00}. There is no way to justify the increase or even the previous charge which was {$300.00} a month.
Product: Credit reporting or other personal consumer reports

I SENT MY XXXX DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT. 
15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE
Product: Debt collection

I took a personal loan in the amount of {$15.00}, XXXX from the Lending Club in XX/XX/2020. Sometime towards the end of XX/XX/2020, I called a Customer Service agent of the company to obtain a pay off demand good through to XX/XX/2020 to be emailed to me. By XX/XX/2020, I had not received my requested pay off so I called the Customer Service agent again and requested to pay off my loan as of that date. I was quoted {$15.00}, XXXX if I was to pay my loan off by ACH. I agreed and authorized an ACH withdrawal in the amount of {$15.00}, XXXX from my checking account. 
After that date, I did not receive any correspondence to verify that my loan is paid off. In XX/XX/2020, I began to receive correspondence that I've have missed payment for XX/XX/2020. I called the customer service and was told that there has been a mix up and that I should disregard the letter. At that time, I requested a satisfaction letter but to no avail. In XXXX, I again, received a default notice letter and called again and was told that my matter is being escalated to upper management because I was quoted a wrong pay off on the date I paid of my loan which was not my fault. 
At the time of writing this letter, I am still receiving default letter and a derogatory information has been reported to the credit repositories.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inquiries on my credit report that are not authorized And also one account is being reported as late but I was never late if I pays on time in XXXX how was I 30 days late in XXXX but on time in XXXX