23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violations of 15 USC Chapter 41 and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their continuous violations of the Fair Credit Reporting Act ( FCRA ), as outlined under Title 15 USC, Chapter 41. XXXX has reported incorrect and inaccurate information on my credit report, which has caused significant harm to my financial stability and infringed on my consumer rights. 

1. Violations of 15 USC Chapter 41 XXXX has failed to comply with several key provisions of the FCRA, including but not limited to : 15 USC 1681e ( b ) - Ensuring Maximum Possible Accuracy : Credit reporting agencies are required to maintain accurate and up-to-date information on consumer reports. My report contains errors and misleading information that have not been corrected, despite my previous disputes.

15 USC 1681i - Failure to Investigate Disputes : XXXX is obligated to conduct a proper investigation of disputed information. I have submitted disputes regarding inaccuracies, yet XXXX has not adequately investigated or corrected these errors. 
15 USC 1681s-2 - Responsibility of Furnishers : XXXX has failed to ensure that information furnished by creditors is accurate and has not appropriately notified these furnishers of disputes. 
2. Harm Caused by Inaccurate Information The incorrect reporting on my consumer report has had a severe impact on my credit score and has adversely affected my ability to obtain credit, secure favorable interest rates, and pursue financial opportunities. This has resulted in financial and emotional distress, violating my rights as a consumer.

3. Specific Inaccuracies Reported Example : Account Number XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX : The account is incorrectly reported as a Charge-off with an unpaid balance of {$420.00}. Despite my evidence and multiple disputes, XXXX has failed to correct or delete this inaccurate information. 
Requested Actions by CFPB Conduct a Comprehensive Investigation : Investigate XXXX 's practices concerning the handling of consumer disputes and the maintenance of accurate credit reporting. 
Hold TransUnion Accountable : Impose necessary penalties and require XXXX to comply with the FCRA, including correcting or removing the inaccurate information. 
Mandate Consumer Relief : Ensure that XXXX provides an updated credit report reflecting accurate and fair information, and offer remedies for the harm caused. 
Supporting Documentation I have attached copies of my credit report, dispute letters, and additional evidence to support my claims. 

I urge the Consumer Financial Protection Bureau to take immediate action to protect my rights and hold XXXX accountable for these serious violations. Thank you for your attention and assistance in addressing this matter.
Product: Vehicle loan or lease

I don't have all the dates. I lost a lot of information due to my identity being stolen. Navy federal didn't inform me that my car would be repossessed let alone that my account was delinquent. I received no notice of the actions taken against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Mortgage

I. After my Forbearance Plan ended XX/XX/ 2022, LoanCare sent a letter dated : XX/XX/2022 denies all other mitigation assistance options ( with appealable reasons ) except for XXXX XXXX Flex Modification, offer to be received in 15 days. I have never received this Flex Modification offer as of XX/XX/ 2022 ( see attached ) II. Never granted communication access to XXXX ( aka XXXX XXXX XXXX ) on multiple attempts for multiple XXXX  As per my Homeowners Bill of Rights a XXXX is a single point of contact which will explain resolution options, report consistent loan status and notify consumer of any required action for completion of modification assistance application and deadlines regarding that action. 

III. Never received a Notice of Default or Foreclosure but received letter Dated XX/XX/2022 ( received XXXX XXXX, 2022 ) stating that there 37 calendar days or or less before a scheduled foreclosure sale. In addition this letter states that an application for Loss Mitigation Assistance is incomplete, after I have already been evaluated for options and qualified for a XXXX XXXX Flex Modification Dated XX/XX/2022 ( item # I ). ( XXXX XXXX, 2022 see attached ). 

IV. Since entering Forbearance I have been discriminated against by not being provided access to entitled services e.g. Online/Web tools to be able to manage my loan. The restricted services included payment, accessing payment history, exchanging documentation, etc. I became a Foreclosure target as soon as I entered Forbearance.
Product: Credit card

I am an authorized user for these accounts and I am asking to have accounts removed from credit reports. 

XXXX XXXX AUTHORIZED USER XXXX XXXX XXXX XXXX AUTHORIZED USER XXXXXXXX XXXX AUTHORIZED USER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX 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 card or prepaid card

XX/XX/XXXX made payment of XXXX, i realized XXXX applied to the 12 or 24 month interest free purchases, not to 6 month interest free ending in XXXX XX/XX/XXXX made payment of XXXX same problem applied to 24 month interest free XX/XX/XXXX talked to representative, was told that's how they do it unless state it when i make a payment and to talk to a representative through live chat or on phone.. 
so i made a payment of XXXX with same representative as above and he said would be put towards the 6 month interest free and would have the XX/XX/XXXX and XXXX payments reversed in the next 24 to 48 hours. 

Mid XXXX around XXXX called XXXX since nothing was adjusted, was told that change can take until next billing cycle XXXX XX/XX/XXXX XXXX XX/XX/XXXX or XXXX talked to representative make a payment of XXXX requesting put to 6month financing not 24 or 12 month financing promotions that i have, person said not a problem asked about payments from XXXX XXXX XXXX was told they can see in system the request was made to re apply to 6 month programs.. 

XX/XX/XXXX payment of XXXX was applied to the 12 and 24 month promotions not 6 months interest free promotions.. 

XX/XX/XXXX talked to representative, same story will put in request to re apply XXXX payment,, I stated to XXXX rep that if happens again and all XXXX payments not XXXX applied by next billing cycle i would file a report to the FTC XX/XX/XXXX Account showed the XXXX payment was re applied properly,, still nothing from payments made XX/XX/XXXX XXXX XXXX, XX/XX/XXXX a payment of XXXX with a XXXX representative to be applied to 6 month interest free programs, said not a problem .. 

XX/XX/XXXX payment of XXXX was applied to the 24 month interest free program XX/XX/XXXX talked to representative about AGAIN payment miss applied was told will be corrected in 24 to 48 hours XX/XX/XXXX statement closed looked at statement and the payments from the XXXX XXXX and XXXX have not yet been re applied and has been 48 hours and the payment from the XXXX has not been re applied during this i was told the re applying of payments could take 24 to 48 hours, then told XXXX to XXXX business day, then told next billing cycle, then last time on the XXXX i was told 24 to 48 hours ONLY when i brought up the FTC on the XXXX THEN was the XXXX payment made on XX/XX/XXXX XXXX applied XXXX 24 hours )
Product: Mortgage

Good day. On XX/XX/XXXX at XXXX I spoke with the person named XXXX XXXX the department handles those Program. After {$5700.00} down payment posted which they required me to pay in order for us to be qualified for the Repayment Plan. Per XXXX, i was approve for that program which im supposed to start paying, if im not mistaken around {$3900.00} on XX/XX/XXXX, but per him i still have until the XXXX of XXXX and will end up until XX/XX/XXXX. So i was convinced that everything are good to go. And on XX/XX/XXXX before noon just to confirm if we are on the same page ( Repayment Plan Program ) w/ same person named XXXX XXXX And finally, we have peace of mind. As days goes by on XX/XX/XXXX at around XXXX i spoke XXXX XXXX XXXX XXXX and confirmed about my Repayment Plan and she emailed on XX/XX/XXXX, proof of approved Repayment Plan program. And on XX/XX/XXXX i spoke with agent just to give them heads up that i will make a payment soon and told me that my my message to let XXXX XXXX XXXX XXXX to called me up but i missed XXXX XXXX XXXX XXXX calls and left message. I tried to call her back and on XX/XX/XXXX at XXXX spoke with XXXX and she told me that my Repayment Plan has been cancelled and i need to have another down payment for {$290000.00} again to enroll for that program and around {$3800.00} not sure amount figure to start on XXXX XXXX until XX/XX/XXXX and i said if she can let XXXX XXXX can call me up. On XX/XX/XXXX at XXXX : XXXX finally she called me up explained that my program cancelled due to improper way to enroll us. And i told XXXX XXXX if she can call me up on XX/XX/XXXX at XXXX and make a payment for another down payment and she called me up yesterday XX/XX/XXXX at XXXX and after i paid that amount, she is supposedly doing the right way my XXXX XXXX and it never went through. She found out that I still have my active assumption which i cancelled last year. she said that shell email the manager to expedite my concern. So frustrating, it might be a delay tactic or strategy. fir us to be buried for interest for delayed mortgage payment and the Manager will might between 2-3 days, So i tried my luck today at XXXX i spoke with XXXX, same thing nothing happen. So much stressed with them, theyre giving hard time, so difficult dealing with them. I thought last complaint we made, everything will cone up with solutions. Frustrating, discouraging, and stressful. We need help. So inconsistent, not updated. They need to be systematic and should be on top it. We thought, theyre there to help us but difficulties we always experienced with them.
Product: Credit card or prepaid card

My Credit Card was transferred from XXXX XXXX XXXXXXXX XXXX to Barclays bank XXXX in XX/XX/XXXX. I received a past due notice from Barclays Bank in XX/XX/XXXX. I have not used the old XXXX XXXX  account since summer of XXXX and I never used or activated the Barclaycard. There was a charge from XXXX on the XXXX card in XX/XX/XXXX, but I did not make this charge or purchase anything from XXXX. I called Barclays beginning of XX/XX/XXXX and I was told they would start an investigation. But I did not receive any communication from them only a bill with late fees. I called again in late XXXX and they told me they reversed the charge from XXXX and I think the interest and one late fee. I called again the first of XXXX because the charges and late fees were not reversed and I was told to wait until after the billing cycle and they would be removed, but I got another bill showing additional fees but the charge was reversed and standard purchase for XXXX was added?!!. I called them again today XX/XX/XXXX and was told I owe them {$74.00} ( unknown to me why ), so I went ahead and paid the crooks but I don't think that it is right, they are crooks to took my money when I didn't owe them anything I never even activated the card they are charging me interest and late fees on and possibly using to make purchases. What a way to make money, fake charges, they make their customers pay late fees and interest on fraudulent charges. I want this resolved and I want my money back with interest. And I don't want any late notices on my credit report so I want a new three part credit report showing I did not make late payments.
Product: Debt collection

I XXXX XXXX previous XXXX XXXX XXXX XXXX am requesting for Midland Credit to provide me the copy of our signed agreement by mail indicating amount owed to Midland Credit XXXX
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 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX  XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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: Debt collection

XXXX XXXX placed a collection on my credit report that does not belong to me. i have not signed any documents or agreed to any terms for treatment from their collectee, XXXX XXXX XXXX.
Product: Credit card

On Zip 's payment page, for XXXX XXXX, a XXXX dollar off of XXXX dollar coupon was offered, to be applied to the payment for the order I placed. 

That did not happen. Zip refused to honor the coupon, and instead blamed the merchant, XXXX XXXX. Zip reiterated that they could not handle this coupon, even thought it's shown, clear as day, on their page. 

Summary of Conversation with Zip Support Date : XX/XX/year>, at XXXX XXXX  XXXX  User : XXXX Issue : Inquiry about the {$30.00} off {$300.00} coupon, offered on Zip 's payment page. 

Support Agent : XXXX from Zip Support Key Points : Initial Inquiry : User asked about the {$30.00} off {$300.00} coupon. 

Support Response : XXXX redirected user to Zip Support agent. 

Agent Response : XXXX acknowledged the user 's issue and checked the account. 

Order Details : Order XXXX had a pending charge of {$300.00}. 

Coupon Issue : XXXX informed the user that the coupon was not located in their account and requested a screenshot. 

User 's Response : User provided screenshots. 

Investigation : XXXX investigated the issue and moved the user 's next payment out by 7 days. 

Final Update : XXXX advised the user to wait for the merchant to process the order and suggested contacting XXXX XXXX for the promo discount. 

User 's Frustration : User expressed frustration over the unprocessed coupon and threatened to file a regulatory complaint. 

Support Apology : XXXX apologized and reiterated that Zip could not apply the {$30.00} discount and recommended waiting for the merchant 's response. 

The conversation ended with the user still dissatisfied and planning to pursue further action with regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Product: Bank account or service

In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ...
Product: Debt collection

XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX   ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B may necessitate the removal of any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts contain inaccuracies regarding reporting, such as incorrect amounts and dates.