23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2A1. 
( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX is in violation. Payment History is an experience with the line of credit that was extended between the consumer ( ME ) and the persons ( XXXX XXXX and XXXX making the report. I demand the illegal reporting of these accounts # XXXX, # XXXX and XXXX account deleted from my report. Failure to respond satisfactorily immediately with deletion of the above accounts, will result in legal actions being taken against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Inability to obtain a business 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card or prepaid card

On XX/XX/2022 I sent Comenity Bank- Kay XXXX a letter to cancel my debt of {$2200.00}. On XXXX the balance was {$2100.00}. They never offered me the option to pay on the principal only.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship.

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law.

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review.

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.
Product: Debt collection

On XX/XX/XXXX, received from a debt collector that I owed {$1200.00} to XXXX XXXX my credit score dropped over 200 points. When I call the Credit Management ( XXXX ) they said I had to call XXXX who instructed me to fill over 10 pages they would not give any information. Then I was told to call their Fraud Department XXXX where there was a difficult language issue. Finally, if I could prove who I was they would work me. They send me to send a picture ID or State Id. 

My Question is since my Credit report is frozen how did XXXX allow someone to open an Account in my name. I was a victim of ID theft in the year XXXX. 

On XX/XX/XXXX, I receive from XXXX sincerely apologizes for any inconvenience this the matter caused me. My question how do I know this will not happen again in the future and can I trust XXXX when my personal information. I think they should provide solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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

All these inquiries are not authorized or in any way consented by myself. They are a result on ongoing attempts to steal my identity : XXXX XXXX XXXXBank XX/XX/2020 XXXX XXXX XXXXBank XX/XX/2020 XXXX/XXXX/Variety and Other Retail XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXBank XX/XX/2020 XXXX XXXX XXXX/Personal XX/XX/2020 XXXX XXXX XXXX  XXXX ... XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXX/XX/XXXX XXXX Balance : {$30000.00} XX/XX/XXXX XXXX Balance {$0.00}
Product: Vehicle loan or lease

When I purchased the vehicle it had to be in the shop 5 days after I purchased it for my birthday. It was my dream car that turn bad. It was in the shop more than 3 times. Before I volunteered the car I had a warranty I asked them to fix it the check engine light would keep popping on and then the car would XXXX XXXX at all I asked them the company XXXX XXXX XXXX  to fix it but they said I was one day out my warranty but they kept pushing my date to get the car fixed so I told them they sold Me a lemon and the can get it
Product: Money transfer, virtual currency, or money service

I am writing to raise my concerns about how Zelle manages disputes, especially in light of the recent CFPB lawsuit that has highlighted major issues with the platform. Despite having used Zelle many times and reporting discrepancies, neither my financial institution nor Zelle has adequately investigated my claims. I was told that recovering lost funds was impossible and tracking these transactions was not feasible. 
The CFPB 's findings show that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is unacceptable and poses serious concerns about consumer safety. I urge you to take immediate action to address these issues and to establish a clear and effective process for investigating and resolving disputes. Consumers deserve protection and the assurance that their financial transactions are secure.
Product: Mortgage

Chase attached a corporate advance fee to my mortgage loan that I do not owe, was never informed about and did not agree to. Although Chase claims this fee occurred XX/XX/XXXX or XX/XX/XXXX, the fee suspiciously appeared on my monthly mortgage statement XX/XX/XXXX, which is 4 to 5 years later. 

This corporate advance fee accrues no interest and is not due until loan payoff. Nevertheless, Chase stole ( took without my consent and knowledge ) some of the money from one regular ( Principal and Interest ) mortgage payment and applied the money toward partially paying this corporate advance fee that I do not owe and was unaware of. This means that the money Chase took from one mortgage payment did not pay down my principal balance and loan interest as I intended it to. My understanding is that the law mandates creditors to apply consumer payments toward higher interest amounts owed rather than lower interest amounts owed. Again, Chase took some of the money from my mortgage payment without my consent and applied it to partially pay a 0 % corporate advance fee that I do not owe and is not due until loan payoff instead of all of my mortgage payment going toward the interest accruing mortgage loan as I intended. Is that legal? 

I have told Chase Customer No-Service to remove this fee. Chase has not done so. I was also promised by Chase that no negative reporting would occur while the matter is remains unresolved. 

1. Chase must get the money that Chase took from my one regular mortgage payment and then wrongly put toward the corporate advance fee - get my money - and retroactively reapply it toward the interest accruing mortgage loan as I intended. And then refund the savings in the form of a check to me. 

2. Chase must remove the corporate advance fee. 

3. Chase must write a letter of apology. 

4. Chase must write a letter stating the truth - that my mortgage loan payment history is that payments were made on time - and send this letter to me and all XXXX credit reporting agencies. Note : Chase promised that my credit would not be adversely affected while this matter remains unresolved.
Product: Debt collection

I submitted a request related to this particular issue XXXX SUBMITTED ON XX/XX/year> its now with a collection agency. 

the name of the collection agency is RS CLARK & ASSOCIATES for the balance of {$620.00} The reason why I am proceeding with another complaint is that the original company who decided that it was best to place this into the hands of a collection agency. As I stated in my complaint is this company led with charging me a fee to assist with getting a morgage and I feel that its not fair that this issue was imposed on me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, XXXX and XXXX XXXX consists of : A phone number : ( XXXX ) XXXX ( Remove Immediately ) and Inquiries From : XXXX XXXX XXXX XXXX on XX/XX/year> : XXXX XXXX XXXX XXXX on XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My XXXX Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit XXXX XXXX XXXX XXXX and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( XXXX ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & XXXX XXXX XXXX XXXX XXXX Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  Account # : XXXX, has violated my rights and I would like this account removed from my credit report immediately. 

It has come to my attention that some things on my credit report are incomplete and not accurate. 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 U.S.C 1681 ( e ) ( b ).

15 U.S.C 1681 Section 602 A. states : I have the right to privacy.

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

I received my bill today and noticed my interest rate had suddenly gone up to 25.49 % from my usual 23.99 %. I reported Macy 's last year. I have been a faithful and loyal customer for the last 20 years. This company definitely holds political grudges. I have Never been late. I have paid by phone the last few months. I had a {$85.00} minimum payment for the last few years. They are claiming I just recently charged {$2800.00} on my card. They claim they were giving me a promotional rate. I have not used the card since XX/XX/XXXX or XX/XX/XXXX. This amount of {$2800.00} has been on there for a couple of years. I spent a half an hour on the phone with them and got nowhere. I do not understand their representatives and they speak garbled. They have no right to SUDDENLY charge me a much higher rate WITHOUT EXPLAINATION! Please check into this! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking number.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and was open without my permission. Someone used my social security, and ID. My purse was stolen while I was in the XXXXl. This is identity thief.
Product: Checking or savings account

I ordered a {$3000.00} wire as a gift to my daughter. They canceled the wire and locked my account. Fraud prevention was given as a reason. I called and spoke 3 times to no avail. They asked me ridiculous questions such as " did I speak to my daughter in person or just on the phone '' .My account is locked for no reason. I can't pay my bills.
Product: Debt collection

This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.
Product: Student loan

I received a loan XX/XX/XXXX DISBURSEMENT {$16000.00} I made payments totaling ( {$18000.00} ) with the last payment being XX/XX/XXXX. 

None of the payments were applied property to the account. The loan was sold off. I stopped paying the loan and making payments after speaking with Navient as to how my payments were being applied. 

I had {$470.00} in late fees over the course of XXXX years. 

From the report on Navient 's site I see ( {$3200.00} ) in interest over the course of the loan. 

Very quickly the amount should be {$16000.00} - {$18000.00} in payments XXXX late fees XXXX in interest = {$1800.00} should be the total I have called and called during normal business hours and they phone # tells me to call back during normal business hours. It is a scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been used without my authorization, resulting in the fraudulent accounts and inquiries listed below appearing on my credit report. I request that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$15000.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These collections agency 's also companies has continued reporting false info to my credit bureau companies which the name shown on these accounts.does n't match. My account name l have provided enough information num times l have requested to remove these items which Don't belong l provided given enough infor which identification Wisconsin to remove. Accounts which has been shown fir for years l wasn't aware these accounts .which shown these accounts hasn't place no lieins garnishment, or place Judgement.
Product: Debt collection

Multiple unauthorized accounts seem to have been added to my credit report. Kindly block and delete these inaccurate entries immediately.
Product: Bank account or service

On XXXX XXXX I made a online payment to XXXX for XXXX the payment was never received. On XXXX XXXX a good faith letter was sent advising of the payment, amount of payment and account number. Another payment was made on XXXX XXXX which again was n't applied. After a 3 way call with XXXX, XXXX and myself it was determined the funds were sent to Citibank which was the previous owner of the card. On XXXX XXXX another 3 way call with Citbank, XXXX and myself in which payment amount, date and trace numbers were sent. I contacted Citibank on XXXX XXXX and they had no record of any account or correspondence. I once again, contacted XXXX and was told the case had been closed and would reopen it. The representative told me he would call me this XXXX XXXX XXXX but have yet to hear anything. I have spent well over 100 hours on the phone trying to get this resolved, to no avail. XXXX XXXX has repeatedly sent proof of payment, transaction records and CitiBank refused to communicate. I have been in direct contact with a representative from XXXX XXXX and they have now sent it to there liaison.