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

I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my Navy Federal Credit Union account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require urgent attention XXXX XXXX and XXXX : My payments on this account are accurately reported as being made on time. 
XXXX and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by XXXX are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows I was late several times, which is not true. I was in school and all my loans was deferred and in forbearance
Product: Money transfer, virtual currency, or money service

I am submitting this complaint to express my concerns regarding Zelle 's handling of fraudulent transactions and lack of consumer protection. Despite reporting unauthorized activity multiple times, both Zelle and my financial institution claimed that recovering funds was impossible and tracking the transactions unfeasible. 
This negligence leaves users like me vulnerable to scams and highlights systemic issues within Zelle 's platform. I urge immediate action to improve Zelle 's accountability, transparency, and dispute resolution processes to ensure consumer safety.
Product: Mortgage

I filed a previous complaint and the company responded with the same old song and dance routine. I can't understand how a company with this much " smut '' on their face can be allowed to remain in business. I am attaching a letter and sample postings on the Consumer Affairs and XXXX XXXX XXXX sites.
Product: Debt collection

I am writing to you to address a matter of significant concern regarding the late payments erroneously listed on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered several entries indicating late payments that do not accurately reflect my payment history. I kindly request the immediate correction of these inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

They have completely locked me out of my account, and I am unable to even see past message transcripts any longer. I have contacted them multiple times, giving them the information they stated was needed, which included my social security number. Today I received a notification that my account was being closed despite my multiple attempts to verify my identity. The last time I sent them my social security number and private information I never received any messages that anything was wrong. I've went out of my way and jumped through hoops to verify my account. Everything seemed fine until the notification of account closure today. When I tried to contact them today, they would not give me a reason as to why my account was being closed after asking repeatedly. Now I can not even access my chat history to show what all was said. 
I am uncomfortable with giving this company all of my private information including social security number and then them immediately closing my account without any reason. I have gotten family members to make accounts through this company as well and they have not been asked for social security numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happen to check out what was going on with my credit report. I noticed an inquiry, that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX Acct # XXXX Balance {$15000.00} XXXX XXXX XXXX Acct # XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Account # XXXX Balance {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( XXXX XXXX XXXX XXXX XXXX, Il XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Product: Bank account or service

XX/XX/2016, I was notified by local SSA office the trust account SSA was investigating found {$160000.00} missing and was told it was a loan. I phoned suspected person, and was told additional {$12000.00}. was taken from son 's trust fund also. 
Below, I have attached documents, and will be filing separate claims with this agency in an effort to have trust account bank 's cooperation in verifying all accounts associated with major trust account, to return all of our money.
Product: Credit card or prepaid card

I paid for delivers with my American Express Card and the items was damage once I filed a claim with the carriers they fraudulent over charge my America Express card. I file a complaint with America Express for both charges {$440.00} on XX/XX/2022 and {$110.00} XXXX for a total of {$560.00}. I have evidence for the of their bait and switch to falsify the additional charge. 

On XX/XX/2022, I hired XXXX to retrieve a pallet of " kitchen cabinets '' I purchased at XXXX XXXX XXXX XXXX in Pennsylvania for {$440.00}. On Thursday, XX/XX/2022, XXXX XXXX driver collected the package with and estimate delivery of Friday, XXXX XXXX ; however the pallet arrived 1 week later Friday, XX/XX/2022, at approximately XXXX damaged. I was not available to inspect or retrieve the package due to no prior arrangements or delivery confirmation. Upon inspecting the pallet approximately XXXX that even the knobs and gears damage and ignition coil bended. I contacted XXXX via telephone for issues sent as per the packaging split instructions. After 2 months of no reply XX/XX/2022 XXXX XXXX during via telephone communication stated they are not responsible for my damage claim because I did not purchase the additional insurance with them and to contact XXXX XXXX at XXXX XXXX  XXXX to file a claim ( {$1800.00} damage claim ) Prior to XX/XX/2022 neither companies acknowledge or addressed my claim ; but on XXXX XXXX I received an email from XXXX XXXX stating XXXX XXXX ( assuming retaliation to my claim ) is requesting and additional {$110.00} for change of weight class. Original weight class XXXX XXXX XXXX submitted an invoice stating after during the transport the measurements was completely different changing the shipping weight to class XXXX. 
I immediately contacted XXXX with denied XXXX XXXX and XXXX XXXX claim that the pallet weight and measurements were different then on the Bill Of Lading ( I have fully email of the accuracy of the weight and measurements being Dimensions : L 61.0in x W 40.0in x H 24.0in weight class 125. 
XXXX XXXX refuse to honor my claim for damages and refund the additional payment of {$160.00} ; stating XXXX XXXX supplied them with the attached information to be paid. 
These companies have no integrity.
Product: Credit reporting or other personal consumer reports

I disputed this account before and it came back as verified. I reached out to the debt collector and they said this account would be removed. You still have not removed it from my credit report. You are being negligent and need to remove this immediately. I will enclose a copy of this complaint. 

Collections XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report Experian : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX ca XXXX XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit card or prepaid card

As of XX/XX/2022, XXXX XX/XX/XXXX customers can now get unlimited 3 % Daily Cash when they use Apple Card with Apple Pay for purchases in he XXXXXX/XX/XXXXapp, on XX/XX/XXXX and at store locations nationwide. 

I used my Apple Card with Apple Pay at a participating location and did not receive 3 % cash back on XX/XX/2022 and XX/XX/2022. 

XXXX, customer service representative at Apple Card refuses to credit my account when asked on XX/XX/2022 and lied to me saying the 3 % is only for new Apple Card customers. 

A representative at Apple Card supposedly credited my account for the XX/XX/2022 purchase, however as of XX/XX/2022 I have not seen the credit and believe the representative to have lied to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my mother XXXX XXXX sent {$1300.00} to me via PayPal, so that could pay my rent. I had at the time been in a serious car accident and was not able to work. When she received her credit card statement on XX/XX/XXXX she had forgotten about sending those funds to me and disputed the transaction. Paypal immediately debited and overdrew my account with them as a result. I call XXXX on XX/XX/XXXX as soon as I was made aware, she realized her mistake and immediately called XXXX XXXX, and reversed the dispute. XXXX provided her with a letter stating the funds had been sent back to Paypal as of XX/XX/XXXX. The funds as of today XX/XX/XXXX are still not available to me, and have been charged to my mother for well over 30 days. I have sent the letter from XXXX to paypal, I have requested via telephone and messenging service for paypal to release the funds, and they have not. Yesterday XX/XX/XXXX my account was sent to Collections by paypal, and collections activity has commenced from a company called XXXX. Today, myself and XXXX XXXX called and spoke to Disputes supervisor XXXX ( ID # XXXX ) With paypal, who stated there was nothing he could do but send a request to a back office team to hopefully have it resolved. I have attached the letter and email correspondence.
Product: Debt collection

XXXX XXXX is showing 4 accounts in the amount of $XXXX, $XXXX, $XXXX and $XXXX.  I contacted them on XX/XX/XXXX and confirmed that I am not the person that owes the debts but they are still reported as me.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, Discover gave written verification that an application for this account does not exist.
Product: Vehicle loan or lease

My payment is late 11 days and they are calling me and harassing me and my references. I explained that I would make a payment next Friday. They forced me into setting up a scheduled payment I advised I would just call in and make payment next Friday they refused said I needed to do it now or further action would happen like me losing my car. Im not even 30 day late and I have always made a payment before its 30 days late. The manager XXXX was being very pushy and threatening. I tried to explain what I was gong thru he didnt care just kept going about the payment
Product: Debt collection

On XX/XX/2022, Credit Collection Services mailed me my " first '' notice stating that they were attempting to collect a debt from me. I then received my second notice on XX/XX/2022. I was not provided the required 30 days to respond to this debt before Credit Collection Services reported me to the national credit bureaus. I sent notification by certified mail to Credit Collection Services stating that I needed validation of this debt on XX/XX/2022. Credit Collection Services received my notice on XX/XX/2022 but reported me to the national credit bureaus on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I attempted to open an account by calling Western Unio n in order to link my service provider information for the purpose of bill pay service needed to establish stability and provide assisstance with funding sources due to Covid 19 and severe hardships caused by identity theft of a Trust Beneficiary. 
Western Union refused to open my account by calling, after I explained to them that I am a victim of identity theft and that opening an account online is not an option for me due to the severe hacking of my devices and theft of my financial information in order for perpetrators to gain access and make unauthorized transactions for their own illegal benefit. 
Western Union has rejected all of my attempts to open an account and has not assissted me in opening an account. Even after I have provided them all of my identity verification documents requested by them. 
With an open account Western Union is under obligations to see to it that all transactions are approved and Western Union can be liable if issue at hand is not provided. 
Your assisstance is very much needed in this matter and if needed an investigation of their services. 
This is a severe issue due to severe hardships of Trust Beneficiaries and I would like to resolve this matter at your earliest convenience. I can be reached at XXXX for further discussions and/or information you may need. 
Thank You. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted these companies that are furnisher incorrect information on my credit report. I contacted them based on my consumer laws and let them know this information is inaccurate. I requested varication and they did not provide anything other than just saying they verified my information, If they verified my information I request the verification that is required under consumer law but they will not abide. 

One of these companies requested my social security number in which I will not reveal to someone I do not know. Why are they requesting my information when I sent them a letters with the accounts number that is inaccurate from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

! XXXX I received a notice by XXXX XXXX XXXX that my score declined by XXXX points and the reason was because of credit inquiries from XXXXXXXX XXXX XXXX XXXX and XXXX I have never applied to these companies before. 
XX/XX/2022 I called and spoke with a representative of XXXX and according to the representative they are investigating and will make a determination in a few weeks. I also called Transunion they told they can't do anything and I have to contact the FTC myself wait for something to be mailed from you to me and then perhaps they may be able to remove the inquiries or whatever action they can. I called Transunion because at the time my screen reader wasn't working and I'm XXXX XXXX and can only use my computer with the technology of a screen reader but I have assistance reading mail. I need my credit rating restored I also noticed an alert from XX/XX/2022 saying XXXX XXXX Compromise.. Someone is attempting to use my identity. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I'm a XXXX XXXX XXXX  customer and have been for over 6 years and unfortunately this year of XXXX there have been a data breach that dated back to XXXX and I have been a part of it.The data set appears to be from XXXX or earlier, impacting approximately XXXX XXXX XXXX XXXX XXXX XXXX account holders and approximately XXXX XXXX former account holders.This caused identity theft to happened with my SSN and making fraudulent accounts to be open and for some of my accounts thats already open to accrue late payments because of the fraud that's going on with SSN and then to later change into negative and charge off accounts and collections. The late payment accounts and collections on my credit report are fraudulent and showed be removed and late payments removed asap. 

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

I received a legal notice from First Portfolio Ventures II, LLc, summoning me to appear in court regarding a debt they claimed I owed a company named " XXXX ''. After a discussion between my attorney and the company, both parties reached an agreement to dismiss the lawsuit.
Product: Credit card or prepaid card

I attempted to pay my credit card with my primary checking account. Instead of billing me {$580.00} one time, the bank billed me 4 times!!!! I protested and they did nothing. I am attaching a ridiculous letter they sent me after I called dozens and dozens of times arguing the fact. I paid this 4 times. They credited me back 2 times. They owe me one more credit for this charade. They actually had the nerve to say oh, we credited you back too many times, so you have to pay a 4th time!!! This whole thing is absurd. I only owed them {$580.00} on my credit card 1 time. They took {$580.00} 4 times!!!! It messed up my finances as well as all the fraud that was involved in previous complaints. I am only speaking on one issue. However, there are so many more. This bank is so fraudulent. They literally have employees that hang up on you if they don't want to address the bank stealing your money. There is no accountability with this bank. If you ask for the employees I.D . # you still can't hold them accountable, and they will tell you that they don't have to give it to you which they did on multiple occasions!!! They refuse to be accountable or provide any proof. They had the nerve to send this absurd document to me in the mail which shows their shady business and unprofessional unethical behavior.
Product: Credit reporting

Late payments are still reporting on all XXXX credit bureaus. These should be reporting as late being my accounts were in deferment. I have contacted FedLoan multiple times, and also the credit bureaus, this needs to be updated as it is reporting very negative on my credit.
Product: Credit reporting

The final quarter that I attended XXXX University was XX/XX/XXXX - XX/XX/XXXX. I officially withdrew from the university on XX/XX/XXXX and transferred to XXXX effective XX/XX/XXXX for a XX/XX/XXXX start date ( see attached ). While attending XXXX all of my tuition was paid directly to the institution from XXXX. Although I was no longer enrolled at XXXX for the XX/XX/XXXX session I received a bill for {$6700.00}. I notified them on XX/XX/XXXX that I had withdrawn and was attending another college and was told they would research my account and get back to me. After receiving no correspondence for over 6 months, on XX/XX/XXXX I received another bill for {$6700.00} for XX/XX/XXXX and I responded to them in writing ( see attached ). On XX/XX/XXXX I received and email " demand for payment '' ( see attached ). I then decided to contact XXXX and they confirmed that XXXX had received direct payments from them to cover my tuition while I was in attendance. I continued to try and resolve this issue to no avail and received several notices from XXXX XXXX XXXX stating that my account had been turn over to them and I owed XXXX {$8400.00} for the unpaid tuition for XX/XX/XXXX which was a completely different amount than the bills I received from XXXX for {$6700.00}. I am disputing this because I transferred to XXXX in XXXX and was not enrolled during the XX/XX/XXXX that I am being charged for, and according to XXXX, all of my tuition was paid directly to the institution while I was enrolled.
Product: Mortgage

As per the guidance from the Consumer 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 delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. Rocket Mortgage {$360000.00}