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

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX Department of Education Servicer has been forgiven. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in XX/XX/1933, I am seeking properly dispute on my credit file. 

XXXX Credit Reporting Agency is reporting my student loan as having " no data for this period, '' while the loan has been forgiven. 
XXXX has indicated that the debt has been verified and reported as accurate on my credit file. 
In accordance with House Joint Resolution 192 Policy, all debts have been paid in full, including the student loan that has been forgiven. 
The reporting of " no data for this period '' is causing confusion and adversely affecting my creditworthiness. 
The conflicting reporting of the student loan status is damaging my credit profile, and I request the immediate correction of this information on my credit file.
Product: Credit reporting or other personal consumer reports

I HAVE PROVIDED EQUIFAX WITH A DOCUMENT filed DIRECTLY FROM THE FEDERAL TRADE COMMISSION with a representative regarding fraudulent information that appears on my credit. HOWEVER EQUIFAX has taken it upon themselves to train their customer service representatives to state over the telephone that the federal trade commission document does not matter while IN FACT IT DOES BECAUSE IT IS A OFFICIAL STATEMENT OF CRIME. I WANT THIS REQUEST RESOLVED AS SOON AS POSSIBLE BECAUSE THIS IS THE THIRD TIME I HAVE PROVIDED THE REQUIRED DOCUMENTATION ASKED TO BE SENT BY EQUIFAX AND THE Fraudulent XXXX XXXX XXXXCCOUNT AND UNAUTHORIZED HARD INQUIRY STILL APPEAR ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platforms despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately. They informed me that covering a loss fund was impossible in that tracking these transaction was unfeasible.The CFPB findings indicate that zelle has not only neglected to protect customers, but also allowed repeat offenders to exploit the system, leaving you vulnerable to scams. this lack of accountability and raises serious question about consumer safety.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized and fraudulent. These are the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This involves XXXX. 

This past XXXX I needed to " unfreeze '' my credit reports from the XXXX agencies in order to get a cell phone number from XXXX. After they were unfrozen XXXX lost all my credit information and reported that I could not get a credit score because I had no credit. 

On their site they have lost all of my existing banking information. I called my bank, XXXX and they are as confused as I am. I have called and emailed Experian multiple times and can not get resolution or even a person to speak with. 

I retired from my medical practice in XXXX and my wife and I have moved to XXXX XXXX. I am trying to fix this problem from afar and this doesn't help. I was never able to get my XXXX account but the XXXX XXXX XXXX  at has agreed to keep my phone active until I can get this straightened out. I have the same email as I mentioned. My cell number in XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. My address in XXXX ( if you need it ) is XXXX XXXX XXXX, XXXX, XXXX, XXXX. On your form I listed my last XXXX address : XXXX XXXX XXXX, XXXX, XXXX XXXX where we have lived from 2007 until this past XXXX
Product: Mortgage

I agreed to a settlemen t with Ditech a nd paid it in full. Payment was received on  XXXX / XXXX /17. It is now 85 days later and they have not released the lien. I have called once or twice a week since it was paid. The state of Massachus etts, Chapter 63 of the Acts of 2006 give them 45 days to release. I gave them double this time and still nothing has been recorded. I have been telling Ditech for years that they never reassigned the loan, and now they are trying to say that is new news and they are working on it  but it should not take 85 days and counting.  XXXX  also did not send me an official payoff statement that references this loan or has the language that the law stated above said I should receive, even though I sent them the documentation on this law  XXXX   XXXX .
Product: Credit card or prepaid card

If you have other complains on this company I will add mine. If not I will just charge it to bad experience. 

Fortiva Retail Credit open an unauthorized/ declined credit card application and send payment of {$2500.00} to a merchant.
Product: Student loan

I wish to learn the number of Public Service Loan Forgiveness qualifying payments you've made since starting repayment. 
I have asked for them to look into how many qualifying payments I have made and to appeal the payments that I made during my residency and still do not have an answer. this is from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. XXXX was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a bankruptcy record and incorrect personal information. This bankruptcy is reporting with discrepancies, as it only lists an incorrect court name, a reference number, and a filing date. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, Experian refused to conduct an investigation. I received a letter response from them dated XX/XX/year> stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. Experian 's refusal to investigate my dispute constitutes a clear violation of my consumer rights under the FCRA..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX account # : XXXX has violated my rights Under the FCRA and the FDCA. 

Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE!

They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; This consumer has contacted me multiple times without consent and sent me letters. 

As well as under 15 U.S.C 1692b section 3 that states. Shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt.

Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

After breaking all of these laws and violating my rights I demand justice and for the account above to be deleted from my credit report.
Product: Debt collection

I received a phone call from a relative stating I had an threatening phone call from XXXX XXXX. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in XXXX days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since XXXX. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of identity theft, and under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information resulting from identity theft removed from my credit files. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit reports immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Product: Credit card or prepaid card

American Express never told me there was any sort of limit to their extended payment option. In reliance on that option, I made some large purchases. To my surprise and horror, I received a minimum payment bill for over {$9000.00}. As I am XXXX, my options for customer service are online chat, email, or fax. I do not use TTY or voice telephones. On American Express online chat, I was told I was at the limit for extended payment and there was nothing they would do for me about breaking up the huge payment unless I use a voice telephone. Upon further escalations, I was told they have TTY available and that's all, unless I provide my personal information to another person and allow them to contact on my behalf. That is a discriminatory and demeaning option which I rejected. I was informed the ONLY ability to contact anyone who could help me is telephone or TTY. Later, they told me I could write US Mail and gave me an address. 
As the payment is due XX/XX/XXXX and it is now XX/XX/XXXX, that option will not work. 

This is not the first time American Express has refused to offer alternative communication routes for XXXX customers. In XXXX, when I found my interest rate had been raised despite my payment being returned due to an identity theft incident which I had disclosed to American Express ( and for which I have police reports and other documentation ), they also refused to assist me except by voice telephone. 

As an aside, during the chat conversation, as you can see in the transcript, their first associate, " XXXX, '' provided me with another customer 's PII. Ironically, when I asked for an official transcript of the chat after I had escalated twice, the supervisor told me they could not provide me with a transcript for privacy reasons. When I waived privacy rights, they still refused to give me a copy. Luckily, I was able to capture the transcript from my browser and cut and paste it into a file. 

As you can see from the transcript, American Express discriminates against XXXX people in that they will only offer certain services to individuals who can use voice telephones.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

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

I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, XXXX  reports the date of last payment of XX/XX/XXXX, and Equifax reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : I have sent letters, verbally contacted them, and they still refuse to remove these inquiries off of my credit report. I did not authorize the following inquiries at all : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( 2 times ). 

Other inquiries that are on there are valid and I do hold accounts with the other inquiries that are not named above. 

I have repeatedly asked for the above to be removed and they haven't.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

I signed up with Capital one for a Performance Savings account on XX/XX/XXXX using XXXX sign up promotion. The promotion required a deposit within 15 days of account opening and upon maintaining the balance with the bank continuously for 90 days, the bank would honour its sign up bonus of {$400.00} as per the terms for a deposit of {$50000.00}. 

According to the terms, I have deposited {$50000.00} on XX/XX/XXXX. Even though money was deposited on XX/XX/XXXX, the bank is stating that the 90 day window started from XXXX XX/XX/XXXX. I have consistently maintained that balance with the bank for more than 90 days. When I contacted the bank on XXXX XX/XX/XXXX inquiring them about the sign up bonus, the associate verified the account details, promotion and confirmed over phone that the sign up bonus would be credited on XXXX XX/XX/XXXX. 

However, today as of XXXX XX/XX/XXXX, I still don't have the bonus credited to my account. It seems the entire promotion is outright shady, unethical and misleading to get deposits locked up for a period and not honouring their commitment for sign up bonus from the bank. The bank is giving me a runaround without depositing my sign up bonus when I have provided all the evidence of meeting the criteria. 

I request to please get my sign up bonus honoured and resolve the issue. 

Thanks and Regards, XXXX