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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
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 issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed ton investigate claims adequately. They informed me that recovering funds was impossible and that was tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
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 Account # ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. 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 a account without my written instructions 15 USC 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 USC 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

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft There are Inquiries reflecting on my credit report that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent 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 consent or instructions.
Product: Credit reporting or other personal consumer reports

Dear Experian I would like a reinvestigation on following data furnishers XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX  Account  XXXX  dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigationXXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX  Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigationXXXX XXXX XXXX  Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights have been violated. Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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 : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase. I paid off my account waited a week to make sure nothing was wrong called up to close my account making sure there were no interest they said there wasn't so I closed my account and they mailed me a check of the over I had in there then they decided I owe money with no notification and forgot to tell me when I called them to explain the XXXX up they had no answer and I asked how is this my problem they didn't have a answer and never bothered to call me back
Product: Vehicle loan or lease

Had a Wells Fargo auto loan 2012 to current date and believe some mishandling of my loan happened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of certain accounts on my consumer report, as I firmly believe that they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which addresses the permissible purposes of consumer reports, it is unequivocally stipulated that a consumer reporting agency may furnish a consumer report only under specific circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I wish to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the disputed accounts in my consumer report. This infringement directly contravenes my rights as a federal pro-consumer individual. 

Furthermore, I must bring to your attention that the inclusion of these accounts on my consumer report without my consent amounts to identity theft, a matter I have promptly reported to the Federal Trade Commission ( FTC ) and for which I have been issued an FTC reference number ( XXXX ). As an identity theft victim, I urgently demand the immediate removal of these accounts and inquiries from my consumer report. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Information : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. It has now been more than 30 days since my initial request, and your agency remains in violation of this law by failing to promptly address my dispute as a victim of identity theft. 

I want to make it abundantly clear that my dispute is not with the creditor associated with these accounts but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this unsettling situation. 

I fully anticipate your agency to act in accordance with the FCRA and federal law with the utmost expediency. Failure to do so may compel me to take legal action to safeguard my rights as a consumer. I earnestly appreciate your immediate attention to this pressing matter.
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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

I have reached out to the company requesting that the account be removed. The company is reporting two different accounts on my credit report when it should be one because they are the same. company has yet to remove the account that they are reporting in error which is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX  Date opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


1. XXXX XXXX {$690.00} 2. XXXX XXXX XXXX {$5100.00} 3. XXXX XXXX XXXX {$520.00}
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX respectively I opened a saving account with XXXX ending and a checking account with XXXX ending with Sofi bank. The accounts opened following Sofi 's marketing advertisement online to earn a cash bonus of {$300.00} should I arrange for a direct deposit at least {$5000.00} into either saving or checking account. On XX/XX/XXXX I met this requirement by having the pension department of XXXX XXXX made a direct deposit of {$7300.00} to my saving with XXXX ending. However, with lame excuse Sofi bank kept on delaying credited my account with the {$300.00} cash bonus. In fact, they verbally promised me that I would soon receive the {$300.00} cash bonus at their escalation review. They dragged the review almost a year to tell me that I did not meet the requirements. About 10 months after the accounts open, on XX/XX/XXXX their team leader wrote me and intentionally quoted 2 wrong terms concerning the cash bonus entitlement. I responded timely and pointed out their erroneous errors. I also requested Sofi to reconsider the situation and honor their marketing promotion ASAP. They did not respond to my written request dated XX/XX/XXXX. I had no other choice but file this complaint with CFPB against them as I previously warned them so. I believe Sofi bank had deceived the consumer with their financial products. They failed to honor their promise and intentionally misled the consumer. Thus, I seek justification from CFPB as enclosed hereto. Thank you for your assistance to publish my complaint so the public could be aware of this type of Sofi 's deception and dishonesty.
Product: Credit reporting or other personal consumer reports

My student loans have been forgiven by the Federal Government. XXXX and XXXX show that I have no open loans and that they are paid off. XXXX shows that I still owe {$92000.00} to AidAdvantage. My loan was transferred from AidAdvantage to XXXX in late XXXX. It was then forgiven at XXXX in XX/XX/XXXX. XXXX shows the balance at XXXX to be {$0.00}. In early XX/XX/XXXX, I provided XXXX with my letter from the Federal Government stating that the loan has been forgiven, a screen shot from the XXXX showing a XXXX balance. They denied my request to remove the balance from my credit report. Then on XX/XX/XXXX, I provided them with the letter from AidAdvantage stating that my loan was transferred to XXXX. I also provided them with a letter dated XX/XX/XXXX stating that the loan balance at AidAdvantage was {$0.00}. Again they denied my request to update the credit report. They state that I still owe a balance.
Product: Student loan

Navient wont help me with my payments. Im a single mom and cant afford to make high payments on my school loans
Product: Credit reporting or other personal consumer reports

XXXX i called to See what we can do to resolve the issue they shut the phone one me disconect they would not tell me tell me The Company id XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter requesting that XXXX XXXX XXXX reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of XX/XX/21, both Equifax and XXXX XXXX XXXX have failed to respond to my request. On XX/XX/21, Equifax responded by saying they did not have my authorization even though I sent copies of my License and Utility bill. I am also speaking with them on other issues all the time, and this is not the first time they have responded to other issues, so it is false that they do not have my authorization to fix this issue. This needs to be resolved because it is negatively affecting my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand immediate corrections regarding the inaccurate reporting of my Capital One account on my credit report. Your records indicate that this account has been charged off, closed, and written off as a profit and loss write-off. Despite this, you continue to report late payments, which is both misleading and inaccurate. 

A charge-off means that the debt is no longer actively being collected by you, and it should not continue to be reported as late. Reporting a charged-off account as still accruing late payments is a violation of the Fair Credit Reporting Act ( FCRA ) and misrepresents the status of the debt. 

Additionally, since this account was written off as a profit and loss write-off, IRS regulations require that you issue a Form 1099-C Cancellation of Debt for any forgiven amount exceeding {$600.00}. To date, I have not received this form, and I am formally requesting that it be sent to me immediately.

I demand that you : 1. Immediately cease all late payment reporting on this account and correct my credit report to reflect the true charge-off date with no additional delinquencies.

2. Issue a Form 1099-C for the charged-off balance and provide it to me as required by IRS regulations.

3. Provide written confirmation within 15 days that these corrections have been made.

If these issues are not addressed promptly, I will be forced to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and the credit bureaus for inaccurate reporting and non-compliance with federal regulations.

I expect an immediate response to this letter. Please send the requested documentation and confirmation to the address listed above. 

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

Equifax has failed to adequately validate or verify a medical collection debt " XXXX XXXX XXXX XXXX XXXX '' on my credit file. I have disputed this collection multiple times with Equifax online tool, which comes back verified within days. I also mailed a debt validation letter to the collection agency with XXXX tracking XXXX with no response or deletion of the bogus collection. I also sent a copy of the debt validation with another dispute to Equifax with XXXX tracking XXXX with no response or deletion of record from my credit file. Please see copies of all correspondence in the attached file section Confirmation number : XXXX - 2 days to " verify '' Confirmation number : XXXX - 4 days to " verify ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with Discover bank. After submitting my application, Discover denied me of my right that I exercised in good faith of extending my credit. Pursuant to Federal Laws and 12 CFR 100 2 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right i n extending my credit through their financial institution. This caused me some small damages a nd inconveniences due to the fact that I intended on immediately utilizing this credit extension f or some family and household purposes. A Discover letter stating that I was denied based on Age of Youngest Inquiry, Ratio of Satisfactory Trades to Total Trades is too Low, Number of inquiries in the last month, which also is discrimination because it is my right to extend my credit through them for personal, household, and family purposes when done in good faith. 
Please be advised that the issues described in this complaint will be shared with the financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all in fact, pursuant with title 15 of the US constitution I am a consumer. The United States is a Corporation pursuant 28 usc 3002 ( 15 ) and I Am a consumer of this corporation. As a consumer I have never signed a contract or PROMISSORY Note with the company CENTRAL PORTFOLIO CONTROL. I believe them to be a 3rd party debt collector which means they must operate once 15 usc 1692 the Fair Debt Collection Practices Act. I demand to see proof that CENTRAL PORTFOLIO CONTROL is in fact the owner of any alleged debt they may claim I own, I am formally requesting a receipt of. purchase giving them authority to collect this alleged debt. Pursuant 18 usc 8 ANY and ALL bill and certificates of indebtedness are the obligation of the United States the corporation not me the consumer. I also have never given written or oral permission for this item to be furnished on my consumer reports which is a direct violation of 15 usc 1681b. Notice in Fact that I am demanding these alleged debts be removed OR send me check in the mail for {$5000.00} for every minute that its been on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you
Product: Checking or savings account

Hello my name is XXXX I am filing a complaint because Im getting evicted due flex  loosing my half of rent of XXXX. I tried contacting already flex but nobody reach back to me everything is under email. I paid through flex  XXXX and XXXX in money order. XXXX thats the money that never went through I dont know what happened and Im very worried to stay in the streets I have an XXXX XXXX XXXX  and my XXXX XXXX XXXX kids. I pay my rent on time every month