23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Client filed bankruptcy in XXXX. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and XXXX. It was confirmed via email on XXXX/XXXX/XXXX via ( attached email ) with XXXX XXXX at the XXXX that the payment after reinstatement would be $ XXXX/per month. In a conversation on XXXX/XXXX/XXXX, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be {$160.00} each month, contrary to what we were told prior to reinstatement. On XXXX/XXXX/XXXX, the borrower contacted Capital One 360 to simply request a mortgage statement each month showing payments made and principal reducing with payments, as the borrowers have not received consistent statements since the transfer. The representative first said that the loan was still in Foreclosure and not current, but rescinded that comment. They also stated that, because of the bankruptcy, they can not " guarantee '' monthly statements will be sent to the borrower.
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting

To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XXXXXX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

I have attached both of our IDS and my credit report
Product: Debt collection

After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am formally filing a formal complaint against XXXX XXXX regarding an issue with the reported balance on my account. Attached to this letter is a document provided by XXXX XXXX, which indicates a balance of {$1300.00}. However, my records and recent statements from XXXX XXXX consistently show a significantly higher balance of $ XXXXThis discrepancy is deeply concerning to me as it has the potential to impact my financial standing and may result in unnecessary fees or penalties. Despite my attempts to address this issue with XXXX XXXX directly, I have been unable to obtain a satisfactory resolution .I have made every effort to reconcile my records with those provided by XXXX XXXX, but the disparity remains unresolved. It is my belief that there may be an error in the reporting or calculation of my account balance on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Webster bank. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. XXXX, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, XXXX  has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, XXXX  also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Ive had a Walmart  account in good standing, and never MISSED a payment since XXXX. I am a XXXX XXXX XXXX, which is why I set up electronic notifications and automatic payments 5 years ago. 

I received an electronic notification from XXXX XXXX indicating a change on my credit profile. When I checked it, I saw that Capital One reported a missing payment to the credit bureau for XX/XX/XXXX. Upon further inquiry, it seems that Capital One bought Walmart from XXXX XXXX and my previous set up of Electronic Notifications and Automatic Recurring Payments with XXXX XXXX were not honored after the transfer. 

I immediately called Capital One, spoke to someone whom was very apologetic, and he gave me your contact information to forward my concerns. It took me seconds to rectify the error of the missed payment, that never should have occurred. 

Im hoping that you will remove the derogatory missed payment that was reported to XXXX & XXXX in good faith of my exemplary record with Walmart for 4 years & 4 months. I thank you in advance for your time and consideration in this matter. I look forward to continuing to do good business with Capital One/Walmart moving forward. 

*Today on XX/XX/XXXX, I spoke with a Capital One customer relations operator XXXX XXXX # XXXX, who apologized and told me unfortunately I am not the only customer this has happened to during this transition, indicated his " hands were tied, '' and transferred me to the 2nd Tier Customer Relations Supervisor, XXXX # XXXX, who informed me that Capital One will not change their reported information to the credit bureau.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting critical issues with the platform.

As a frequent user of Zelle, I have reported discrepancies on multiple occasions. However, I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. Despite my efforts to address these issues, I feel that neither Zelle nor my financial institution has adequately investigated my claims.

The findings from the CFPB further underscore Zelles failure to protect its users, including allowing repeat offenders to exploit the system. This lack of accountability and transparency leaves consumers like myself vulnerable to scams, undermining trust in the platform.

I find this situation unacceptable and urge your institution to review its processes for handling Zelle-related disputes to prioritize consumer safety and uphold ethical standards. 

I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 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 or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XX/XX/year> someone took over my cell phone # and got all my information and applied for 2 credit cards 1 ) XXXX XXXX XXXX ) XXXX XXXX  XXXX I realized someone had taken over m y identity within XXXX hours of it happening. 
I contacted both creiditors on XX/XX/year> I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from XXXX credit report. The inquiries are still showing on XXXX XXXX and Experian. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX Account I am filing a formal complaint against XXXX, XXXX, and Experian for falsely reporting a dispute on my husbands XXXX XXXX XXXX XXXX XXXX  account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX XXXX stating that I had been removed from his account due to a dispute they received from the credit bureaus. To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. To address this matter, I have already filed complaints with : The XXXX Attorney General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, XXXX, and Experian correct their reporting errors and prevent further unauthorized interference in my husbands account. Requested Action : Contact XXXX XXXXXXXX XXXX to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. Require XXXX, XXXX, and Experian to immediately correct their records and remove the false dispute notation. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report.

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX TransUnion LLC ( XXXX ), TransUnion faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX XXXX XXXX XXXX. Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 

XXXX  Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX Failure to comply with these demands within XXXX leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately and indefinitely. 

Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. 

" If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the len
Product: Credit card or prepaid card

Capital One XXXX XXXX XXXX is not reporting on my Credit report. Loan and detail are not on any credit bureaus report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$5600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A Insurance claim filed/paid to United built Homes for repairs to my home in 2001 and till this day they are still holding the funds and my home has yet to be repaired.Every contractor has been ran off because they refused to pay them.
Product: Debt collection

As in a previous COMPLAINT SUBMITTED ON XX/XX/2022 is sending me a bill " owed '', again, to XXXX  XXXX   ( from XXXX XXXX in XXXX XXXX, TX. ). Once more, I have no knowledge of such debt. Whatever I did owed them, I always paid in full. I have not received any letters or invoices from XXXX XXXX. Again, CAPIO Partners and XXXX XXXX  do not provide information about the original invoice, or the services provided. This harassment causes me anxiety and stress. I always pay my bills on time and try my best to keep a good credit score. I desperately need your help to investigate these two companies and the fraudulent bills they create. How many people pay them because of fear and stress?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXXXXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX  ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditor, Navient has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose. 
Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record. 

XXXX XXXX
Product: Student loan

Hello My private student loans were initially handled by Sallie Mae until Navient took over. I have been paying my loans on time for the last 7 years and the throughout this time I have been noticing the monthly payments are increasing and the portion of the monthly payments is going towards the interest and not the principle balance. I called Navient regarding the matter and their response that this is out of their hands and the interest varies based in the stock market rate!!!. I explained to Navient that if my credit score has been improving, my principle balance is decreasing and my on time payment history is excellent, why would my interest change and my monthly payment is increasing?. 

I also applied for a release of cosigner request, providing them with documentation that I have been paying Navient on time for the last 7 years and proof of graduation and U.S citizenship, but they still rejected the request based on invalid reasons. 

I really believe as a borrower that we need a break. I keep paying for money that I have borrowed almost 15 years ago when I was young and nave and unaware of the consequences. I really need help to get out of this never ending loan payments
Product: Credit card

My identity was used to open a credit card without my knowledge or concent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX