23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Adjusters , LLC is attempting to collect a debt that does not belong to me. They sent me multiple letters including the attached notice on XX/XX/2021. I've attempted to resolve this by contacting the company requesting validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I also faxed this corresponsence on XX/XX/2021 at XXXX. ( See attached fax confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from National Credit Adjusters , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing this 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 not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested for my credit score to be updated with experian. I have made this request several times. No one from Experian has reached out to me, nor can I communicate with a customer service representative to explain my request. I have also sent a letter with proof of my request and have received no response.
Product: Credit card or prepaid card

For months I have not been able to access this account. I can't log in and I have called, and even when I call and try to handle this account, I get no where. I don't and haven't even gotten a statement for over 6 months. I have been dealing with an identity theft issue. I think someone is using my info and slowly changing profile information until long information isn't valid. I want to dispute the charges on this account, I don't think that they are all mine. And to make this issue worse, I have been collecting fees, increase interest, and negative remarks on my credit during a pandemic. I thought that companies couldn't report negatively during this time? I'm going thru a hardship where even relief benefits are not helping, probably due to my identity being stolen. I have tried to communicate by phone and I'm sure I have emailed them. 
I'm also having a difficult time with an email hack. I think my calls and emails have been redirected, I notified the provider and ftc. But I'm only one person during a crisis, and I need help, and a way to fix this. New email, new user name no good.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Equifax received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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: Money transfer, virtual currency, or money service

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

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Also my current address is XXXX XXXX XXXX XXXX, Iowa XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX NE XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED : 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  FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states 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. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to correct this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$760.00}
Product: Mortgage

XXXX XX/XX/2020. Thank you to CFPB and NewRez for your help today. Briefly -- The NewRez website is UN-secure and is NOT functioning at all. Specifically, there is absolutely no place to login. The page is entirely BLANK. I removed ALL cookie and pop-up blocks, and still have not been able to log onto the website. This has been going on since at least XXXX XX/XX/2020, if not longer. With the website down, I can not view anything in my account until NewRez repairs its website. Since NewRez is responsible to pay my taxes and insurance from ESCROW, I need to be able to view this information. Further NewRez is obviously aware of the problem since I am most likely not the only customer affected. This level of dereliction is not acceptable for a banking or mortgage institution. Please resolve this problem, so that I and other customers can gain access to our accounts. Thank You, Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Items have been inquired without my permission. 

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: Checking or savings account

My issue involves overdraft fees being charged, even after Ive opted OUT of over-draft protection and the bank processing payments in such a way that maximizes their ability to charge over draft fees. The bank in question is Truist bank. I do have documents showing these occurrences if they are needed. Per the regulation passed in 2010 ; banks can not charge over draft fees unless a client opts in or if they have opted in then decides to opt out. Unless its considered a recurring transaction. Truist is charging over draft fees not only on recurring transactions, but also basic 5-10 dollar transactions for people that have not requested over draft protection and they do it in such a way that maximizes the fees they are able to charge. For example : Lets say I have {$35.00} left in my bank account and I buy 4 items. The item prices are {$35.00}, {$5.00}, {$5.00}, and {$5.00}. Instead of the bank processing the three {$5.00} charges and then the {$35.00} charge, which would result in one overdraft fee for the {$35.00} charge, they will purposely process the {$35.00} charge first and then the three {$5.00} charges, so theyre able to charge three overdraft fees totaling {$96.00} instead of just one for {$32.00}, even though I bought the three {$5.00} items first. I tested this theory on 4 different occasions and they processed the lesser charges last every time, as to maximize their over draft charges. These practices are not only unethical theyre unlawful. Feel free to contact me if you need the proof. Something needs to be done about this. I am submitting this request in behalf of about 55 other people who are having the same issues with the same bank, with no telling how many more. Truist is using whatever methods they can to get around the regulations passed in 2010 regarding over draft fees.Again I do have evidence of all this, but I am going to wait to submit until someone contacts me and requests them.
Product: Debt collection

XX/XX/2021 XXXX I sent a letter asking for verification of this debt. This account was paid in full and canceled.
Product: Checking or savings account

Bank of America can not show who withdrew from the account, or who received the amount withdrawn from the account. The amount withdrawn was {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ),  all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a  consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). 
XXXX / XX/XX/2020 *XXXX - XXXX XXXX / XXXX XXXX *XXXX - XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020 XXXX XXXX / XX/XX/2020 2020
Product: Student loan

After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. 

On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. 

I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. 

I ask that please strongly take this request into consideration. 

Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. 

They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. 

Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 1.XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2.XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5.XXXX  Account Number : XXXX Please remove it from my credit report 6.XXXX  Account Number : XXXX Please remove it from my credit report. 







has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled CARTER-YOUNG INC Account XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

On XX/XX/2016, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
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. 

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  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: Student loan

I sent in a XXXX application on behalf of my daughter ( as a parent ) and she completed the student part. We got an offer on a loan and the interest rate was represented at XXXX % so we went ahead with the loan. Then I got information that the loan was at Mohela and when I looked at the details I saw the interest rate was over XXXX % which was absurd. I logged into Mohela and re-paid the loan on XXXX in full and including {$44.00} in interest, the loan amount was {$5000.00} and the amount I paid via my chase checking account was XXXX. I checked in today even thought I got a receipt from Mohela and it shows as no payment made and still shows I owe $ XXXX. How can I make a payment in an online system and they not show the payment but they charged my checking account on the day it was paid! Something is broken with their system. I have attempted to call in several times but the wait times are long. I also sent into their online system proof of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX  XXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian that a new dispute was opened for the creditor XXXX # XXXX. I have disputed this item with Experian. I have not requested an investigation by Experian on XX/XX/XXXX. 
Actually there is a complaint I submitted here reference # XXXX with the same creditor. That complaint has not been closed and is past 30 days with no communication about the status. 

They have repeatedly use my complaint here to extend investigations into this creditor. They state they have updated the item by saying its been paid and closed as of XX/XX/XXXX. That did not happen especially since this account was reported inaccurately with status showing included in bankruptcy. How can I pay an account that was included in a bankruptcy in XXXX?