23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it May concern I have contacted " Portfolio Recovery Associates '' Several times over the past few months of this year asking for them to validate this debt belongs to me. It started with 3 accounts they were claiming were mine. After disputing with them several times I contacted the 3 better business bureau 's to do a dispute. After my dispute one of the accounts were removed last month. The removal of one of the accounts are further proof that the other accounts do not belong to me. I have asked in my letters for proof that this debt belongs to me with my ink signature bonding me to this account in my 609 letters that i have sent several times. Portfolio has only sent me letters claiming this debt is mine by using old addresses. I have asked besides using old addresses they can not say this is my debt without a ink contract or any contract. It was never sent. The accounts : XXXX and XXXX should be removed immediately from their data base and should be stopped from reporting to all credit bureau 's. This is greatly impacting my credit and I have not been given accurate proof that this debt belongs to me.
Product: Money transfer, virtual currency, or money service

I am reaching out to formally address my concerns about how Zelle handles disputes, particularly in light of the recent CFPB lawsuit that exposed critical flaws in the platform. Although I have used Zelle frequently and reported discrepancies to my financial institution, Zelle did not thoroughly investigate my claims. I was told that recovering lost funds was not an option and that tracking these transactions was not possible. According to the CFPBs findings, Zelle has not only failed to safeguard its users but has also allowed repeat offenders to take advantage of the system, leaving customers exposed to fraud. The absence of accountability and openness is deeply troubling and raises significant concerns about the safety of customers.
Product: Credit reporting or other personal consumer reports

filed a disutpe based of federal violations of permissible purpose as well as previous violations and Equifax still continues to violate my rights to get extension of private credit based off false reporting on the consumer report as well as transactions that are not considers credit transactions are being reported, they are not supply any actual evidence that is being requested and all the companies that was being disputed all did not disclose in the beginning of the deal that this extension of my own private credit was being securitized on and interest was never paid by any party, to the holder in due course.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 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
Product: Vehicle loan or lease

My name is XXXX XXXX and I reached out to Chase Auto in hopes of being excused for my late payments that were late for the due dates of XXXX XXXX, XXXX XXXX and XXXX XXXX. I fell into a huge financial burden when I was hurt on the job in late XXXX which left me homeless and extremely short on funds. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX  I have all documentation if needed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, which resulted in my vehicle being parked at a body shop, which it was later repossessed from. At this time I have gained possession of the vehicle and am back on track with my payments. I did apologize for any inconvenience that I did cause to the creditor at the time of my injury. I had XXXX consecutive payments made before this unfortunate incident took place and reached out in hopes of having these late payments removed from my credit profile. I have reached out to the local boroughs XXXX, XXXX and XXXX and they have informed me that if the creditor would take a letter as " Goodwill '' they would be able to remove these late payments from my credit report with their consent without violating the FCRA ( Fair Credit Reporting Act ).
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on ( Date ) 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 general 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. Some of these accounts have no number and are just listed on my reports as XXXX XXXX. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX XXXX XXXXXXXX XXXX Equifax, This is a follow up complaint to complaint XXXX XXXX XXXXXXXX ( attached ). 

I am requesting this car loan - installment loan - I had with you : - account # XXXX - start date XX/XX/XXXX - paid off XX/XX/XXXX - {$16000.00} original balance - Always paid on time, and paid off Accurately reflect on my Equifax credit report. 

It currently shows on XXXX and XXXX- it is not showing on Equifax. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - my previous CFPB complaint- how it shows on XXXX XXXX XXXX ( with all of those account details )
Product: Debt collection

Requested itemized bill to verify the debt in XXXX, XXXX. Received itemized bill in XX/XX/2023. 

Reviewing the list of charges that I was led to believe they should not be able to have, as a XXXX violation, I have paid all these charges.
Product: Credit card

The amount of interest is 25 %. I had no problem with that until I kept getting hit even after making my minimum and/or extra payments interest charges on purchases even though I stop purchases on this card. Last month on top of my payments they charged me {$31.00} per month. This month XXXX I made a {$100.00} payment to try and help myself out with the balance that just drops minimally. I feel as if every month that I am being cheated for at least {$30.00}. So far they have made over {$300.00} in interest fees and other anonymous fees that I don't even know about. I am trying to pay this card off and they are cheating me month after month and I need some kind of relief. The credit limit on this card is {$1500.00}. I had no idea that every month that I pay my monthly payment that no matter what they are after me for that {$31.00} with no mercy in sight. Please help me find some justice help, and relief over these predatory lending interest charges plus fees that are being inflicted upon me without mercy. Thank you.
Product: Checking or savings account

My checking and savings accounts were looted and over a XXXX XXXX  XXXX dollars is missing. The bank puts me through exhaustive processes for each disputed transaction and there are about a hundred transactions. The bank is Santander XXXX XXXXXXXX XXXX I am elderly and in bad health and can not take the exhaustive hours at the bank. The bank agreed to allow my son access to the account to resolve the issues once he had power of attorney. However once the power of attorney documents were presented to the bank they refused to honor the deal. The bank is attempting to sweep this under the rug. 

Please help, XXXX XXXX
Product: Debt collection

Everyday for the last 3 months, they call my work number and let it ring once and hang up. They do this between 5-7 times a day. They are harassing me at work, but when I asked them to stop calling my work and to call my cell, they still call. 
Multiple calls daily, just calling and hanging up.
Product: Vehicle loan or lease

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records.

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records.

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Product: Checking or savings account

I have never had an account with Suntrust bank in XXXX, Tn. For some reason they opened an account then closed it, both with out my permission.
Product: Student loan

I have a student loan that I did take out. I am really frustrated that when i had XXXX back in 2010. I was not allowed a deferment or a forbearance becuaeI was not actively looking for a full-time job. I would like consideration to have the interest during that time and thereafter to be removed from my account and re-adjust the amount I owe. I would also like to be able to refinance at a lower rate and have it retroactive to the time of the consolidation of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 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: Credit card or prepaid card

On XXXX I attempted to make my credit card payment online using the same information I have used before and I got an error payment not processed. Checked all info is the same complete and accurate. Asked me to call a number. I tried again today XX/XX/19 got the same message then I called the number listed. Then used the automated system to make payment but again I got a recording that payment can not be processed. When asking to speak to someone recording says they will charge me XXXX dollars to make a payment with a representative, which sounds abusive because I have been trying through the free options and its impossible. It is unfair to pay fees when I have been trying to pay and system is not working. Makes me feel they are trying for clients to get charged fees. Anyways even when I tried to talk to someone kept me waiting for XXXX for a live rep no response yet. Its been impossible to resolve this issue.
Product: Mortgage

Loan has been sold multiple times. All payments have been made but current servicing company ( GMFS ) claims did not receive payment from previous company ( XXXX ). All available documents including proof of payment via bank, bank statement showing electronic payment, letter from the Bank Manager, and letter from previous company have not led the current servicing company to reverse late charges, correct credit reporting, or credit previous payment and principle to account.
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB because I had incorrect information on my credit report and demanded its removal. An investigation was conducted, resulting in the partial removal of the incorrect inquiries ; however, not all incorrect inquiries were fully removed. I have previously disputed the following inaccuracies directly with TRANS UNION on XX/XX/XXXX, XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX, providing supporting documentation and requesting that they verify the accuracy of the information. Despite my dispute, the inaccuracies remain uncorrected on my credit report.

I am requesting the Method of Verification for the following disputed account ( s ) : Specifically, as it relates to credit inquiries that I did not authorize : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Moreover, it has caused undue stress and financial harm. 
Violations : I believe TRANS UNION, XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable investigation into my dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) for providing inaccurate information to the consumer reporting agencies and failing to investigate my dispute.

Section 604 ( 15 U.S.C. 1681b ) for furnishing information without a permissible purpose.

This unauthorized access to my credit information directly contravenes the Fair Credit Reporting Act, specifically Section 1681b ( c ), which distinctly upholds individuals ' rights to privacy and restricts the sharing of information without explicit consent. The absence of my explicit approval for these inquiries constitutes a breach of privacy and potentially fraudulent activity.

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Its illegal to report transaction history pursuant to FCRA Section 604 ( a ) & 15 U.S.C 1681b ( a ).

I do not wish for the inquiries to be removed entirely ; instead, I want the information to be updated, and the negative inquiries to be adjusted to positive, as agreed upon in the credit report. I opt out of any authorization given to report my information to a third party without my consent.

Furthermore, I suspect that the above listed Credit Reporting Companies did not complete a thorough investigation, because XXXX XXXX XXXX XXXX XXXX filed a civil case against my PERSON in XXXX, that later ended in the matter being dissolved and disputed. Also, I would like documentation/proof of an existing contract or purchase order confirming any service with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAPITAL ONE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAPITAL ONE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I am complaining that Kraken, a regulated United States exchange,  who has processed payments from my account to possible fraudulent third parties, in particular to the merchant XXXX. XXXX  deceived me into paying for services which I never received, and refused to return my money. Upon notifying Kraken and providing proof of the situation, Kraken refused to return the funds that were wired to the beneficiary account at XXXX XXXX XXXX that is the name of Kraken and that are related to me. 

These funds were for my retirement which my late husband left me, and I was really depending on them to make life easier now in my senior years. I have been left devastated after being effectively scammed by a merchant called XXXX using Kraken as their processing exchange. I am distraught over the loss of this money, it has had a terrible effect on my mental health and life in general. 

Kraken has been silent on the issues raised in the attached letter and refuses to respond after several attempts of communication. 

Attached letter sent to Kraken and copy bank receipts of the payments made.
Product: Credit card or prepaid card

I have received inaccurate reports on my credit score. I have tried in multiple occasions to verify this from the company but to no avail
Product: Mortgage

For the past couple months we were notified by our mortgage company of increased mortgage payments to be paid right away due to the lack of calculation on their part in our property taxes that resulted to delinquent taxes they they just paid to the accessors office. Now they are penalizing us by tremendously increasing our mortgage payment not once but XXXX in the last 2 months. Our regular mortgage that we been paying for the past 3 years is in the amount of {$1900.00} which was last paid XXXX XXXX, 2015. The first increased payment was paid in the amount of {$2600.00} on XXXX XXXX, 2015. We called Pacific Union Financial numerous of times trying to find out why our payment had increased, which i was not getting anywhere with their reps and left a message for a tax specialist within their dept to call me. This past weekend we received ANOTHER mortgage statement of an huge increasement in the amount of {$3500.00} to start on XXXX XXXX, 2015. We spoke to a manager and they gave us two options that we do not agree with and those options were to spread the shortage amount in 24 months which will low our monthly mortgage to XXXX a month, which we still can not afford. Second option, is to redo our loan and start over, in which we disagreed to that as well.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX