23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email from Affirm saying " We recently reached out to you regarding taking precautions to protect accounts, and requested you to contact our customer service team ... Since we haven't heard back, your account is frozen to ensure the funds remain secure and protected. To lift the restriction on your Money account, please complete this webform ( XXXX XXXX XXXX  ), or call us at XXXX. '' This email is misleading and not true at all. I was never previously contacted about precautions to protect accounts. 
I called the number provided and was transferred to 3 different people. The first support agent told me my account wasn't frozen. I read her the email and she said " Oh, let me transfer you. '' The second person said I should just wait a couple of days and see if the issue resolves itself. The third person said I should fill out the webform. I asked why the email told me to call this number if they wouldn't help me. She didn't know and couldn't provide any assistance. This call lasted 31 minutes dealing with three agents who had no idea how to handle the issue. 
The " webform '' linked in the email is not a webform at all. It's a help center article with a Contact Us button. 
Now my account is frozen and there are no humans at Affirm who can tell me why I received such a misleading email, or why my account is frozen, or how to unfreeze it. Terrible customer service and communications team. I will be moving money out of Affirm as soon as my account is unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXNG XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

I was contacted by Human Resources from my old employer on XX/XX/XXXX with a garnishment. I appealed the garnishment and went back to court XX/XX/XXXX. On XX/XX/XXXX the judge lifted the garnishment and set a new trial date for XX/XX/XXXX. 
On XX/XX/XXXX, I contacted XXXX and XXXX on behalf of Bank of America and disputed the debt due to Fraud/Identity Theft. I also contacted Bank of America and they said that the account was opened in XXXX and the last activity was in XXXX. They stated that they are not able to help me because it is not reporting on my credit any longer. XXXX and XXXX who is the attorney on behalf of Bank of America will not provide me with any documentation. I asked for verification of debt, or a copy of the application and I have not received any documentation. 
XXXX and XXXX served a Warrant in Debt to an old address and obtained garnishment. I sent the courts the paperwork to reflect that I was not a resident of XXXX  at that time and was a resident of XXXX. We had a telephonic interview. They rescheduled the court date for XX/XX/XXXX and I have to drive 4 and a half hours for a debt that I did not take out. 
I am looking for XXXX and XXXX to stop their collection action on a debt that is not mine.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX  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. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

Fedloan capitalized XXXX in interest to the principle of my loan because, under my repayment plan REPAYE, if you are not re-enrolled every year in the same plan without a gap, any interest is capitalized. If it had not capitalized, this plan would subsidize the interest, which is why I chose it. 

In early 2017 when I reapplied for the plan, Fedloan let me know over the phone that it may take longer for my application to process because there is trouble getting income tax info electronically and everything is done manually. My application took much longer than the estimated time ( 14 business days ) so I was subsequently kicked off the REPAYE plan. Soon after my application was approved and I was re-enrolled in REPAYE. But, during that short gap, the interest to be subsidized capitalized to my principle. 

Over the phone, the representative agreed that I had applied on time but they took too long to process. But, they believed that my interest should have been capitalized even due to their own delay. Twice, I submitted a request to review what happened and never got a response. I was told by one agent that I should have thought of this before I took out so many loans. I was also told that I should not care that my principle is XXXX more because " it will be forgiven in 25 years ''. That XXXX will accumulate interest as well and I will ultimately pay taxes on it if it is forgiven.
I feel Fedloan is being careless about helping me follow and stay on my payment plan, and even carelessly adding thousands of dollars to my debt. I do n't feel like I have a voice and I have to give into anything they do because there is no oversight.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/PTC Identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX # XXXX DATE OPEN XX/XX/year> TOTAL {$56.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where XXXX am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX 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 XXXXXXXX Account XXXX : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Servicer failed to respond to short sale request and then declined a full priced offer for no valid reason - gave us the amount they would approve then after receiving that amount declined - also never returned calls - did not process request
Product: Debt collection

Debt not mines. Police report filed. Cleared by XXXX. Somehow still in collections. Need it to be removed asap.
Product: Mortgage

To Whom It May Concern : I am contacting you due to a predatory lending matter that we are the victim of for some time now regarding our church mortgage. 
Due to the highest and best use of the property, located at XXXX XXXX, XXXX, Alabama, the current lender, " Kirkland XXXX, '' is exercising a strong-arm tactic, more commonly referred to as predatory lending, to foreclose our property. The mortgage was originally with the lender, XXXX, and was unbeknownst to us up until the time of transfer, sold to another establishment, Kirkland XXXX. 
I have compiled a timeline of events that I think may give more reflection to my complaint. In XX/XX/XXXX, I wrote the President of XXXX, XXXX XXXX XXXX, concerning some concerns I had regarding our mortgage and payments ( see enclosed ). 
After writing the President of the Bank, XXXX XXXX XXXX, VP of XXXX, came down to visit us and took over our account. I have enclosed our payment history for your review. 
Initially, I believe the locals had a plan to try and take our property due to the current growth of our city. Our property is fixed between XXXX major companies that have moved to this area, XXXX and XXXX. We have more than XXXX square feet on XXXX acres of land. In association with these new companies are other companies that will supply them. That 's why I believe they started trying to take our property. 
Our church is located in a nontraditional facility ( used to be a shopping center ). We have been here as an active part of the community since XX/XX/XXXX, and since that time, XXXX, and more. We are truly a XXXX. 
Enclosed are the documents/letters I signed, up until the time of the sale in XX/XX/XXXX with XXXX, along with correspondence ( including letters and email communications ) from XXXX Investors. 
This has been a long and arduous process. It has been very stressful, due to the purchase of our loan, for one, by another lender ( XXXX to Kirkland XXXX ). This was due to XXXX selling our loan to Kirkland XXXX. They did not communicate with us at any time until they said our payments were in arrears. 
We are looking for immediate guidance and assistance in combatting this predatory behavior. Thank you for your assistance and support in bringing a positive and amicable resolution to this matter. Please feel free to contact me with any questions or comments you may have. 
XXXX XXXX XXXX XXXX, XXXX. 
XXXX cc : XXXX XXXX XXXX, Kirkland XXXX XXXX XXXX XXXX, Attorney General, State of Alabama U.S. Senator XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and XXXX ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.
Product: Debt collection

After debt was paid and satisfied through Transworld they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( XXXX ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XXXX XXXX XXXX, I submitted a dispute letter to Equifax via mail specifically requesting an investigation into several inaccurate items on my credit report. These inaccuracies pertain to inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and names. 

I did not receive a response back from Equifax with the investigation results. 

Despite my diligent efforts to address these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as proof of my attempt to rectify the inaccuracies on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts 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 XXXX XXXX XXXX XXXX on accuracy and completeness XXXX 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 XXXX XXXX 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 has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

My vehicle was repossessed on XX/XX/22. I called them to get the balance I needed to pay in order to get the car back they told me I needed to do a quick collect payment or pay at branch. There are no branches near me and no one does quick collect payments near me. I paid XXXX via check free pay on XX/XX/22. I verified with check free pay that my payment was delivered and now it is XX/XX/22 and they still cant find my payment and are refusing to release the vehicle even after I sent in receipts. This is affecting my life in a negative way and this is fraud as they have almost XXXX dollars and are refusing to help me.
Product: Payday loan, title loan, or personal loan

I 've been trying to get a line on credit started to get my score up and soon buy a home. I do work ful time and gave a part time business, just want to build my credit up!
Product: Debt collection

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit report. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. 
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. 
I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States :
no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I believe that I have been financially damaged due to a Predatory Mortgage loan. In XXXX of XXXX I was sent to Guild Mortgage by my realtor. Guild Mortgage pre-qualified me for {$200000.00} to purchase a home. On XX/XX/XXXX I purchased a home for $ XXXX@ XXXX % interest. My income at the time was $ XXXX. I also provided them documentation regarding my auto loan payment & other debts. This is my first home purchase. I have very little debt related experience and trusted my realtor and Guild Mortgage. 
My current income is now is $ XXXX and I still can not afford to make full payments. They have told me they will foreclose on my loan XX/XX/XXXX if I do not pay {$2200.00}. I am selling everything I have including the lawnmower in order to prevent it. 
Guild Mortgage has been aggressive and misleading to me regarding the status of the loan and what possible options available to me throughout this ordeal.
Product: Credit reporting or other personal consumer reports

MUST BE REVIEWED BY A HUMAN HUMAN NAMUH ANUMH CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214,18 USC   1348, [GAAP] VIOLATION, 18 USC 1028 XXXX HUMAN 



 XXXX GRANTOR/ORIGINAL CREDITOR/BENEFICIARY/PLAINTIFF: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 DEFENDANTS/VIOLATORS: XXXX EXPERIAN, 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 
TO WHOM: IT MAY CONCERN ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a (2) | DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ:: ATTN: EXPERIAN XXXX XXXX ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a (2) | DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST FRAUD PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED FRAUDS ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF {GAAP) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681(ad2ai) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. | HAVE FILED A POLICE REPORT CASE # AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY XXXX XXXX XXXX UCC 1-308