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

I have reached out to Transunion and now I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete.I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following inaccurate items on my credit report : XXXX. XXXX XXXX {$31.00} over credit limit XXXX XXXX XXXX XXXX  - reported {$5.00} over credit limit XXXX reported {$60.00} over credit limit XXXXXXXX XXXX XXXX Acct # ending XXXX reported 30 days past due XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX reported 30 days past due XXXX XXXX XXXX  XXXX # ending XXXX reported 30 days past due XXXX XXXXXXXX XXXX  reported {$72.00} over credit limit.
Product: Debt collection

XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars. 
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX/2024 SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX24 WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE I DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE ACCOUNTS AS PAID AS AGREED OR REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND ALL NEW, OLD INQUIRES. REASON FOR DISPUTE ACCOUNTS IS UNSUPPORTED BY ANY ORIGINAL, SIGNED CONTRACTUAL AGREEMENT. WITHOUT THE ORIGINAL CERTIFICATED SECURITY THE ACCURACY OF THIS ENTRY CAN NOT BE ASSURED.
Product: Student loan

I am requesting that my private student loans ( Navient ) be forgiven under the basis that all federal loans were discharged for XXXX XXXXXXXX XXXX to the predatory and fraudulent practices. XXXX XXXX XXXXXXXX committed misconduct and am seeking a full discharge in result to getting discharge from my federal loans. 


Loan Type PRIVATE School XXXX XXXX XXXX XXXX XXXX ( THE ) Current Owner NAVIENT XXXX XXXX XXXX  Disbursement Date XX/XX/2008 Unpaid Principal {$8400.00} Unpaid Interest {$2.00} Current Balance {$8400.00} Interest Rate 10.500 % Interest rates on private loans are set by the lender. 
Interest Type Variable Total Accrued Interest {$25000.00}
Product: Debt collection

Kinum collection agency ( specifically XXXX and XXXX ) somehow either bought or received illegally a list of debtors from our XXXX. They began an aggressive unauthorized collection campaign against the persons on the list, many of whom do not owe us any money. 
We called as soon as we realized what was happening and asked them to cease and desist all contact with all persons on their list. They continued to illegally contact, harass, and attempt to collect monies for over a week beyond our cease and desist. This included calling these people repeatedly through an autodialing network and through the U.S. mail. This company needs to be brought to task for severe violation of several laws of the fair debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or mo
dify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX {$0.00} Late/Open XXXX XXXX XXXX {$0.00} Late/Open XXXX XXXX XXXX {$9.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX being reported on Experian as closed, charge off, transferred to another lender or claim purchased and last payment made in XX/XX/XXXX, however, on XXXX this account is reported as 100 % on time payments with card lost or stolen, and account closed XX/XX/XXXX, which is true. Also, being reported on XXXX   as card lost or stolen and closed as well.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a payment to XXXX XXXX was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted XXXX XXXX to dispute the late payment. I spoke with a manager who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with XXXX XXXX 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my credit score. I am seeking to have XXXX XXXX follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/year> removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX Account Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws? 
Remove this collection at once! I have given the Bureaus ample time to correct this. Over 90 days is too long! Obviously, if it hasn't been proven it is FALSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MACYS/DSNB XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  3 Missed late payments Balance updated {$13000.00} XX/XX/, XXXXXXXX XXXX XXXX Missed late payment {$670.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX Missed late payment. {$580.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



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 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Product: Credit card

In late XXXX, I received in the mail an offer from Capital One for a XXXX credit card, as I was a " valued customer ''. It offered a 0 % on purchases and balance transfers until XX/XX/XXXX. I applied by the XX/XX/XXXX deadline and was sent my XXXX card with a {$5000.00} limit. In XXXX I purchased a vehicle and used my new card for the down payment of {$5000.00} and set up auto payments so the balance would be paid off by XX/XX/XXXX. 
In XXXX I checked the activity on my card and saw two interest charges ( XXXX for {$110.00} and XXXX for {$110.00} ). I called Capital One to investigate the charges and was told that I didn't request the special offer for the card and was issued a different XXXX card @ something like 24 % interest! I am a XXXX XXXX XXXX woman with excellent credit and the ability to have paid the {$5000.00} without using this new card and only did so to avoid withdrawing from my investments. I explained all this to the representative at Capital One and even opened a case with upper management ( XXXX XXXXXXXX ) but to no avail. They refused to refund the interest charges. 
I applied for this offer online and evidently somehow did not get approved for the offer I wished to take advantage of. I received nothing with the new card disclosing the interest rate or that I was denied the promotional offer. 

All that said, I paid off the balance including the interest charges, but, feel that considering the circumstances, Capital One should have refunded the charges. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received payment for {$590.00} for a pair of shoes I shipped on XXXX. 

XX/XX/XXXX My PayPal account was debited {$590.00} because the buyer reported her XXXX account was hacked and disputed the transaction. 

I don't find it fair that I shipped my item to the address ( I have the tracking number as well ) that was provided to me via the XXXX buyer and now the transaction has been disputed and I'm not only out my {$600.00} shoes, I'm also being charge backed by paypal for {$600.00} AND there was a charge back fee. I have tried resolving this issue over the phone numerous times with zero help. 

I also contacted XXXX who has Seller Protection as well. XXXX told me I would only be covered by their Seller Protection if the buyer opened a claim with them. I have no control over the buyer opening a claim with XXXX. I did reach out to the buyer and asked if she would open a claim with XXXX and received no response. 
On top of that XXXX charged me {$61.00} for Sellerss Fees for this transaction. 

As a business owner myself, I find the business practices taking place by these two companies unjust and immoral.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I was assaulted which resulted in a medical bill of over $ XXXX. The Victims Compensation Beaureau has approved me, but the hospital won't accept it, so now they turned it over to a debt collector called Sage Law Offices. I've explained to them, and also explained that a state attorney is assisting me with the case against my attacker. " Sage Law Office '' keeps harassing me anyway, sending me a notice of Lien instead of speaking to my state attorney.
Product: Credit reporting or other personal consumer reports

Subject : Opt -Out Request under 15 U.S.C 6802 Dear Sir/ Madam, I am writing to formally request that you cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. You may send this confirmation to the address listed above. 
If you have questions or require further information to process my request, please do not hesitate to contact me at phone/email I appreciate your prompt to this matter and your commitment to respecting my privacy rights under federal law.
Product: Mortgage

I applied refinance of my current mortgage at Bank of America on XX/XX/2020. The application number is XXXX. I discussed and negotiated with loan officer XXXX XXXX and the timeline as below : XX/XX/2020 : Bank of America run credit report and received FICO score XX/XX/2020 : Bank of America provided loan estimate with no points, 3 % interest rate for 15 year fixed term. 
XX/XX/2020 : Mortgage is conditional approved. There is no loan estimate on conditional approval statement. 
XX/XX/2020 : Received closing disclosure. However there is XXXX points, which is {$5900.00} listed on it. 

Bank of America keep saying this point is always there. However, I never saw this point showing up on any disclosure before XX/XX/XXXX. I would not move forward if I know the loan has points since I would not accept this kind of loan in my whole life.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance as a victim of a severe form of XXXX  in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Student loan

XXXX XXXX  has been increasingly delinquent with payments posting to my account ( see XXXX sheet attachment with check payments and date posted to account as well as screenshots of both payment and loan systems ). I would like XXXX to be prompt with payment posting to my account immediately once a check is cashed so that interest does not accrue. 

Payment Index Check Amount Payment Posted to XXXX XXXX XXXX   Payment ID XXXX Check Payment Sent XXXX Check Payment Cashed Difference Between Days Cashed and Posted 1 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 2 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 3 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 4 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 5 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 6 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 XXXX2 7 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 8 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 9 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 1 10 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 6 11 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 7 12 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 13 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 14 {$75.00} N/A XXXX XX/XX/2018 XX/XX/2018 N/A 15 {$75.00} N/A XXXX XX/XX/2018 N/A N/A 16 {$75.00} N/A XXXX XX/XX/2018 N/A N/A
Product: Credit reporting or other personal consumer reports

disputed errors on credit report to be correct and/or proof of the existence of a debt. credit bureau rubber stamped creditors absent proof of debt.
Product: Credit reporting

Reference : XXXX XXXX, XXXX. 
XXXX XXXX XXXX. XXXX XXXX, CA XXXXTelephone : XXXXXXXXFacsimile : XXXXXXXXRecently I ordered a copy of my credit report and found XXXX reported that I am in debit to them. 

I wrote to all XXXX major credit card companies and learned from Equifax Disputes that after contacting XXXX the item will remain on my credit report. 
Issue : XXXX continued to bill me after services ended. I paid XXXX and made every effort to cooperate ; however, I need not pay for services and products that I did not receive. 
Additionally ; XXXX promised me a city to cover and then restricted me to XXXX XXXX XXXX which is a development and not a city. 
I did not make XXXX contact from any information received from XXXX. 
I did not derive any income of business from XXXX. 
They billed me after I canceled and refused to be reasonable.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.