23daVinci/CFPB_Complaints huggingface dataset:
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 not only neglected to protect customers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Student loan

I was on income-driven ( IDR ) repayment for about 10 years through XXXX. When it switched to Mohela, I was taken off IDR, without my consent/ knowledge. Initially, they told me it was due to " Covid lapse- when no recertification was done everyone came off and now has to recertify ''. They had me " self-certify '' via phone, twice, both times it was denied and I was told " we need more information from you '' ( contrary to " self-certification '' branding/ messaging ). I spoke no less than six times via phone and sent more secure messages than that- finally I was told, " send in 5 years worth of tax forms, '' after they insisted I hadn't been on IDR for 5 years which is 100 % absolutely not true- I have been on IDR for XXXX yrs. During Covid-19, XXXX, they ( Fedloans ) did not allow us to re-certify since all loans were in forbearance. I sent the tax forms in- they were marked as " duplicate ''. I later called and was told this was a mistake- that it would all be fixed. 4 months later, I am still not on IDR. I have no explanation for why I am not on IDR. I have submitted 5 yrs of tax returns. If I was never on IDR, as they claim, they should have just processed me on it. If I had a 5 year lapse, as they claim, 5 yrs of tax returns and months later I shld be on it. But I have had them check the Natnl Student Loan Database and they are able to confirm that I have been on IDR for XXXX years, with no appreciable laps. I've also got XXXX years of confirmed PSLF ( loan forgiveness counts ) which is literally not possible unless I had been on an IDR plan. Still, I have to await " re-certification '' after multiple denials. I have been reassured that they are backlogged and it will get done. But I am skeptical and have uneasiness that what has been happening for almost 6 months will happen again. I think Mohela got in over their head- promised more than they could deliver- were not willing to spend money on staff, training, etc. The phone wait times are literally over an hour just to speak with someone, every day of the week. Secure messages are only answered by auto-reply " we presume the matter is settled. '' This is impacting all of us, including me, in a very negative way. I've spoken with some very helpful, lovely, representatives there, but the problems persist.
Product: Debt collection

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to update a consumer installment loan that was paid off in full. I filed a dispute in early XX/XX/2019 and one month later they stated the account will remain on my credit report as 3 percent paid when I paid the loan off in full on XX/XX/2019.
Product: Debt collection

I recently disputed a collection account on all 3 CRA with JH Portfolio Debt Equities several times and the account continued to remain as debt owed. I also filed a prior complaint due to not accurately updating my information on my credit report as I am in a Chapter XXXX bankruptcy. The company responded with the date they purchased the debt and also uploaded 3 credit card statements that had nothing to do with when the validation of the debt took place. 2 out of 3 of the statements you uploaded are not my current mailing address. The response also stated I filed a dispute prior to JH being notified, I notified JH after seeking an alternate number. I spoke with a customer service representative and provided the necessary bankruptcy information and the company continued to respond to XXXX as debt owed. Pull your company recorded lines to verify you dropped the ball on this. I would also like for the company to provide accurate information on when and where letters were mailed and how they attempted to collect this debt. I never received any information from JH Portfolio to dispute. I am not seeking credit card statements, I am seeking information on when a validation letter was mailed and it must be verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXK, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$840.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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. XXXX : # XXXX The following have continued to be violated repeatedly : 15 USC 1681 Section 602 A I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 5 1681b Permissible purposes of consumer reports.

15 US C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my written instructions. 
REMOVE IMMEDIATLY FROM MY CREDIT REPORT. NOT INVESTIGATION HAS EVEN TAKE PLACE YET YOU CONTINUE TO TO UPDATE STATUS AS COMPLETE. 

LEGAL ACTION WILL BE TAKEN.
Product: Debt collection

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail DISCOVERBANK, XXXX, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Credit card or prepaid card

I attempted to use my card and it was declined. I contacted the bank and was told that the card was closed by the bank. When I asked them why they cited vague reasons caused by some sort of system glitch. I had never missed a payment and had just paid off my balance on the card. I believe the card was closed because I pay my bill and the company only wants to keep accounts that pay high interest rates. They punished me for paying my bill. Because of this account closure I have lost access to my rewards dollars that I earned in good faith. The bank was Synchrony Bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. 

In addition, this debt is over 10 years old. well beyond statue of limitations in NYS. 
We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. 

We ask for your help to eliminate this deception to collect a debt by XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

I Have no knowledge of this account. I never signed up to get this card. I dont know if they have confused me with another person.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Online Complaint Submission Subject : Notification of Data Breach by Credit Bureaus and Submission of FTC Report Dear CFPB Team, I am writing to formally notify your office of a data breach involving the major credit bureaus, which has compromised my personal information. Enclosed with this letter is a copy of my Federal Trade Commission ( FTC ) report, which details the breach and its impact on my financial security. Additionally, included is my 3 Bureau Report.

The breach constitutes a violation under U.S. Code 1561, which mandates the safeguarding of consumer data by entities handling sensitive personal information. This breach has not only disrupted my financial stability but also raised serious concerns regarding the handling of personal data by these institutions. 

I request the CFPBs intervention to ensure the responsible parties are held accountable and that steps are taken to prevent such breaches in the future. I also urge your assistance in helping me mitigate the impact of this incident on my credit and financial well-being. 

Thank you for your attention to this critical matter. Please feel free to contact me at XXXX, should you need additional information. 

Sincerely, XXXX XXXX Enclosure : FTC Report and XXXX Report
Product: Credit card

I am writing you as a last resort to attempt to settle a debt with your company.  Over fifteen years ago I received XXXX preapproved business credit cards XXXX  I was under the impression at the time that these cards were business cards and that the business was responsible for paying the accounts.  We maintained the accounts for 15 years, even during the lean recession years when our operating credit line was yanked out from under us from BBVACompass.  The business was forced to liquidate, but we continued to pay our accounts.  

In XX/XX/2013, my mother was XXXX and I immediately began to care for my mother XXXX  At the same time I was attempting to XXXX prepare XXXX tax returns, manage my home finances and my mother's finances.  It was also during this vulnerable time that XXXX employees took advantage of the fact I was frequently out of the office and embezzled XXXX from the company.  They were subsequently charged and we are still awaiting trial two years later.  

I left XXXX the company XXXX when the cards were issued, in XX/XX/2013.  Due to the theft, the business was forced to contract and could no longer afford my salary.  I have since learned that XXXX did not take care of the debt and I have been sued by an attorney in XXXX Alabama.  While I am currently employed XXXX, my salary has been cut severely and my savings depleted as I had to care for my mother until she died in XX/XX/2013  

The attorney that Capital One assignment the business account to has sued me personally for the debt of XXXX plus and indicates that it is a means to put pressure on me to pay the debt since the company is no insolvent.  Their exact words "if you don't lose your job, pay the bill and avoid the garnishment."
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX I DID NOT COMPANY XXXX PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

On XXXX/XXXX/17 There were fraudulent and unauthorized charges associated with my Bank of America, Debit / Checking Account. Upon initiating a dispute for these charges, a charge was omitted in the dispute process on a recorded line with a bank of america claim specialist which is complete negligence on Bank of America 's behalf. The charge being for {$14.00} XXXX in XXXX, GA. This charge being omitted was a factor and a reason in the eventual decision of the claim being denied. I have asked several times for information from the merchant regarding how my information was used and proof of my identity in the matter. Neither have which been submitted in a timely manner. My bank account is now at a negative balance due to this illegitimate and unethical situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing multiple negative line items on my credit report. Requested that they be updated to to show that accounts were paid in full as agreed. No response. Last request was in XXXX of 2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX Texas XXXX Subject : Urgent Request for Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent accounts, addresses, and inquiries that have been illegally and inaccurately reported on my credit file. My personal information was exposed in the recent Experian data breach, which has resulted in identity theft and significant harm to me. I have attached a copy of the identity theft report for your reference. 

As a result of this breach, unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and the related inquiries were not initiated by me. Under consumer protection laws, any accounts, addresses, and inquiries resulting from identity theft must be removed immediately to prevent further financial and personal harm. 

I am formally requesting the immediate removal of all fraudulent accounts, inquiries, and addresses associated with my name. Please investigate this matter urgently and provide written confirmation once these inaccuracies have been corrected. If additional information is required, do not hesitate to contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I expect your immediate action in accordance with the law. 

Sincerely, XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX  Hard inquiries check ftc report they are several XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with XXXX  and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. Transunion and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. ( the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, Mr XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.
Product: Mortgage

We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.
Product: Credit card or prepaid card

This chase business card was fraudulently used to make purchases without my authorization. I have already reported this to chase but they have not provided me with neither a fair investigation or corrected these fraudulent charges. The whole balance of {$5300.00} was due to fraudulent charges. Chase is also reported these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.
Product: Credit card

The Kohls Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX opened account back in XXXX of XXXX Was in good standing in XXXX when married and name change to XXXX XXXX encouraged to go paperless Account in good standing until XXXX. 
A {$52.00} charge was made in XXXX of XXXX No notice of statement received in email in XXXX or XXXX. 
XXXX email notice came in with late and interest charges {$52.00} charge was paid that same day. 
Due to XXXX difficulty with age and no on-line chat available, sent letter challenging and declining to pay the bogus late and interest charges. 
Kohls reply letter stated the late charge was removed. Problem is they did not remove the 2nd late charge nor interest Follow-up letter sent outlining the problem and needed solution. No response received. 
Have disputed reports of delinquent account at the credit reporting services. 
Kohls continues to all late and interest charges to the account every month and continues to damage the credit rating every month. 
NONTHING is owed other than the bogus charges added by their computer each month, which will NEVER be paid as they are not recognized as valid debt.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Debt collection

Has called me XXXX times in the past 7 days, and has violated the XXXX calls in 7 days rule multiple weeks in a row