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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX Balance : {$5200.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX Account which appears on my credit report is a result of identity theft. I contacted XXXX XXXX and they investigated and sent me a letter stating that they found this account to be a result of identity theft and that it would be removed from my credit reports. 

An inquiry appears on my XXXX  credit report from XXXX on XX/XX/2020 which is a result of identity theft as well which I would like deleted too. 

These matters are not in litigation and have never been subject to Litigation. 

A copy of the letter that I received from XXXX XXXX is attached to this Complaint explicitly stating that they investigated and found that the account is a result of identity theft and that they are deleting it from all my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

I took out the loan in XXXX to cover some bills after selling my house. I was called to XXXX XXXX with the XXXX  in XXXX. I have had to borrow more money against my title just to continue to keep the loan current. It is getting to the point that I can no longer afford to continue pay against the loan and not gaining any ground due to the astronomical interest rates. I am paying over a {$1000.00} a month and have not been able to pay down any of the principal.
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. Which I have been victim too. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

XXXX items to be addressed. Capital One is charging {$29.00} per month in late fees which your site says max is {$8.00}. I have sent emails to the CEO and the managing credit card executive of Capital One with no response. The main issue is below which caused me to close my accounts. They are saying it was a subscription service from the prior card and they have the right to provide my new card number without authorization. 

I have been a Capital One customer since before the acquisition of XXXX XXXXXXXX XXXX  So this is back to the XXXX 's. 

I sold my business after XXXX XXXXears on XX/XX/XXXX. I had many vendors on auto pay with my credit card. However, I didn't want to drop the ball and let any new charges go through in case I forgot to cancel any of them. So in XX/XX/XXXX, I called Capital One to cancel my card account number ending XXXX and the other card number linked to it and to replace it with a new card number ending in XXXX just in case. I was doing my due diligence of preventing any issues. I still needed a business card as the new owners wanted me to visit my accounts over the next 2 years to keep relations. So the account was kept open primarily to cover gas purchases and the business cell phone but with only with a new card number ). 

On XX/XX/XXXX a charge came thru from a vendor Host Gator for {$230.00} that I hadn't remembered to call as they charge once every XXXX  years. On XX/XX/XXXX I noticed the charge on my app and I called to dispute the charge as I had not provided Host Gator the new card number. The rep advised that Capital One had provided Host Gator the new number ( not me ). I had not authorized this nor provided them my account number. They had put the dispute through. Several weeks later I noticed the charge was put back on. I called back and they said I had to fill out an additional form which I did. I then received a letter a couple weeks later that said the charge is nonrefundable and will remain. Had Capital One not provided my account number, there would not have been a nonrefundable item. Nor did Capital One send a text ( as they normally do ) to ask if this was a valid charge ( Hit Confirm or call their number ). Capital One just put the charge through at their discretion without checking with me. Capital One illegally gave out my card number. 

Since then, I have closed all my accounts totalling over {$300000.00}, and my credit card accounts which I charge around {$2000.00} monthly. I don't feel Capital One protected me or my funds nor provided the correct customer service. 

I have taken reports of my credit scores as well. which are above XXXX. I have worked hard over my lifetime to build this up and been a loyal customer for XXXX years. Should my score be affected by this I will bring a claim against Capital One. I expect this matter to be closed and written off due to Capital One 's error. 

I will also forward this over to the government as a complaint should this not be resolved.
Product: Debt collection

I disputed a debt account that is reporting to alll 3 credit bureaus from portfolio recovery llc. I am a victim of identity theft which I submitted police report ftc fraud affidavit and other information not only did the claim they validated the account the lied and stated that they sent me information regarding the debt in XX/XX/XXXX. I never received such Said communication that they allegedly sent and if they did send anything why did they request for me to contact them because they may not know how to contact me. That doesnt make sense Ive been living at this same address since XXXX that they claimed they sent correspondence to last year so how is it they supposedly dont know how to contact me. They are damaging my credit report and reporting an account that I have no knowledge of and they know it. This needs to be fixed immediately
Product: Mortgage

i made payment on XX/XX/XXXX and it did no get posted until XX/XX/XXXX and now and im trying to refinance the loan and can not get it done because this was posted until janruary. i recieved confirmation of payment recieved on XX/XX/XXXX it did not show up late or get dinged as late payment but because it was not posted the same day i made payment underwriting is declining the loan saying the payment was late. i have requested this get changed and need this done asap to get my loan approved.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Between the dates of XX/XX/31 and XXXX the company repetitively called me. They started calling before the hours of XXXX as well. I had more than XXXX calls a day on XX/XX/31. As well as XXXX calls within XXXX minutes on XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed a call to American Express Card company about an inflated balance that I noticed on my card. 
I spent a long time on the phone discussing this matter, but I noticed that the customer service agents were trying to mislead me so that they can hide the true information which was that their system incorrectly inflated my balance to reflect a higher amount than should be. 

I asked them to add the sum of all the charges during the billing period, they could not amount to this, XXXX, XXXX USD balance that was shown. 
All of a sudden, the agent began to tell me that she could not hear me that the line was fading in and out. 
So I told her to give me a call back because the issue might be coming from their end. 
She said that is fine that she would call but she never did. 

Next, I called again after waiting for several minutes and the next agent began this process again, wasting my time for over an hour and still she would not help resolve this issue. She kept claiming that there is a rollover balance. I do not know how a balance rolls over without any record of charges backing it up. 

All other charges are shown and evident but a certain amount had been exfiltrated and this has doubled my balance. 

Kindly help. This card company has been so unfair to me. 
They do not extend any help to me or allow temporary increases in limit to meet an emergency. They use all forms of tactics to deny me such privileges that other people receive. 

I told one of them today that I believe that they are discriminating against me and it seems that they are retaliating because I have reported them before. Of-course, they deny it but I sense it in the way they interact with me on the Gold Rewards card team. 

At this time, I wish to report that this company needs to provide evidence to me how the money left my account. 

Secondly, there is a change to the Gold Card which I have, the card is being redesigned, that is fine, but the problem is that it appears that I would have to start paying 3 times the current annual fees from next XXXX! 
I can not do that and I do not want them to be able to do that. 
When I got my card, I was told I have to pay a lower amount in annual fee.
Product: Debt collection

I have received threatening phone calls stating that legal action will be taken against me. I have no idea what payday loan the Rep is referring to, I have n't applied for such a loan in several years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported, I filed a complain with you guys about this already, this is the 3rd time and filing a complain about this same account and you said the information you have is valid which is not true. this account has been paid off and i have attached a screenshot of the last payment made totally the total amount owed on XX/XX/year> and on XX/XX/year>. Account Name : XXXX XXXX Account numberXXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00} find screenshot on this below show payments of the balance {$3700.00} on XX/XX/year> I have attached a screenshot of email from company confirming this loan has been paid in full. this screenshot also contains loan payment confirmation reference number.
Product: Debt collection

Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the payment history on my credit report regarding my XXXXXXXX XXXX  credit card account ( account number : XXXX ). The payment history on my credit report shows a late payment in XX/XX/2020, however, I believe this information is inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report and request an investigation. The FCRA requires all credit reporting agencies to ensure that the information they report is accurate, complete, and up to date. 

I have reviewed my records and can confirm that I made all payments on time, including the payment due in XX/XX/2020. I request that you update my payment history to reflect that my payments were made on time and my account is current for XX/XX/2020. 

I understand the importance of accurate credit reporting, and I request that you investigate this matter as soon as possible. I will need you to send me proof of the documentation stating that I was indeed late or delete this inaccurate information. Once the investigation is complete, I request that you provide me with a revised credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX acct # XXXX 120 days late payments, XXXX XXXX XXXX acct # XXXX, XXXX. XXXX  acct # XXXX XXXX rental acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Thank You, and the letter recently submitted for consideration of Hardship Program with hope of a response today on deadline tomorrow XX/XX/2020. 

I did make payments weekly and missed a couple since I only have Unemployment of {$180.00} a week. I got behind and was told to pay an amount but call before XX/XX/2020 and no date was set for repossession of my vehicle, I did receive calls with changes to the arrangement to make a weekly payment before I got behind. The vehicle was picked up on XX/XX/2020 I was to call before the date XX/XX/2020 for payment on the loan. I have submitted information many times email and FAX for the program with no feedback and do not understand the importance of auction of the vehicle sent now to XXXX, Louisiana I am in XXXX with no transportation. Since it seems more business like and profitable less office work production for the continuation of my payment of this account and others. May you PLEASE reason with the corporation ( Capital One Auto Finance- XXXX # XXXX on my behalf since I have tried with acknowledgeing my circumstances hope of their compassion. I plan to relocate for better opportunity of employment and graduate 2020 from college with the continuation for XXXX 's program. I would appreciate a response from you to the company upon your procedures. 
Thank You Much! 
XXXX XXXX XXXX XXXX XXXX Attn : Hardship/XXXX I did make a payment of XXXX before your deadline on the Hardship Program procedures you advised before XX/XX/2020 per XXXX-Customer Service Representative, along with the income verification I am emailing again sent previous on XX/XX/2020. I did not hear from you concerning the verification reciept, but called today to confirm and was told no payment of the additional {$300.00} was received, I previously spoke with Capital One location # XXXX and did pay before the deadline on XX/XX/2020 ( see attachment doc ) however it was applied to the wrong account # ending XXXX. I can pay however to the correct Auto Finance account that additional amount of {$300.00} today. PLEASE email me with confirmation of this arrangement, since the misunderstanding is not my fault, and two payments separate from a debt card was not acceptable on the same day in the Hardship department. I was told the deadline for relocation of my vehicle was XX/XX/2020 but did learn today it has been moved, since I would have gotten the location to pick-up my vehicle before this deadline tomorrow. I do need my vehicle for work and of relocation to secure such. However if you can apply from the credit card ending # XXXX some amount it will help as well. PLEASE still consider me for the Hardship Program since I am and has been consistanly breaved of many of my Mother 's also Passed elderly relatives in this city ( Understand circumstances of relocating to prevent this current situation on-going. Will Fax information again if necessary for issue solved/reconsideration! 

PLEASE CALL TODAY!! 

XXXX XXXX XXXX Cell # XXXX. XXXX XXXX other email -- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Ally Financial Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

My loan matured with Flagship in XXXX XXXX XXXX. However I was told it would not mature until XXXX XXXX XXXX.I was in constant contact with Flagship. During the course of this month I was given several incorrect statements by the representatives. I was told my loan would not mature until XXXX. Then I was told I would need to pay {$30.00} for a loan payoff. I could not get information on the balance of the loan without paying for the information. In XXXX XXXX XXXX, I made several payments to payoff this loan, I did not miss any payments and spoke with the representatives through out the payoff of the loan.. I was assured as long as I made payments they would not report my account to the credit reporting agency. They also charged exuberant fess at the end of the loan, making it impossible to pay off the balance. I was not able to drive my vehicle for 3 months after the payoff because Flagship would not remove the lien from the title. Therefore the state I relocated would not transfer the tag. I was given so many inaccurate statements by this company. I complained many times and was told there werent any notes on my account about the complaints. In other words my complaints were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered into a person loan with XXXX XXXX for {$15000.00}. Due to being diagnosed with Covid 19 in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was hospitized, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by XXXX XXXX on this loan. When I was well enough, I contacted XXXX XXXX and notified them of my near death health issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted XXXX again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the agency and was told that they wouldn't repossess a junked car. Yet they still keep billing and reporting me on the vehicle. If you buy something and it's broken, you return it and get a refund or a replacement. This car was broken down within the first week after buying it. 
This is total XXXX XXXX and completely unfair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company Capital One account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

NJClass student loan. There are no phone numbers on the website to contact anyone. Every phone number listed is out of service. I can not get in contact with anyone about my loan.