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

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. XXXX, which mandates the accurate and verifiable reporting of consumer information. 

The accounts in question : Account Name : XXXX XXXX Date Listed : XXXX. XXXX, 2019 Account Name : XXXX XXXX Date Listed : XXXX. XXXX, 2019 Account Name : XXXX XXXX XXXX  Date Listed : XXXX XXXX, 2019 These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ). 

Additionally, under IRS guidelines ( XXXX XXXX. XXXX ), a creditor that cancels a debt exceeding {$600.00} is required to issue a XXXX form to the borrower and report the cancellation to the IRS. I have not received a XXXX form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a XXXX form may constitute non-compliance, which I have the right to report to the IRS. 

I formally demand the following actions : Provision of the XXXX Form If these debts were charged off or written off, provide copies of the XXXX forms for my records. 

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA. 

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. XXXX ), the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ), and IRS tax reporting requirements. 

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account was hacked. My wife 's paypal account was also hacked on XXXX. There are unauthorized transactions from PayPal
Product: Student loan

I have a student loan with Navient ( originally Sallie Mae ) that I have been paying on for the last 5 years. I have been on an income driven repayment plan throughout this time. The agreement that I made with Navient was that my payments would be based on my income and that as long as I made my payments each month the entire loan would be forgiven in 20 years. 

The loan began at $ XXXX and is now $ XXXX due to interest and despite my monthly payments. I've continued to make payments despite my unrest about the loan increasing in good faith that Navient would honor the 20 year loan forgiveness in the end time. 

I reached out to Navient last month to check on my loan and confirm that amount of years I've have already paid into the 20 year loan forgiveness plan and was informed the loan changed to a 25 year income driven repayment plan. When I explained to the customer service representative for Navient that I did not authorize that change I was told that it would not have changed without my permission. 

I was then put on hold for 45 minutes then informed that the loan changed because I answered one extra question on my annual renewal dated back to 2017 that I didn't need to answer. The question that I answered would not have disqualified me or changed the loan time frame rather, it was just the fact that I answered one extra question apparently. 

I asked why I wasn't informed of this change and was given no answer. I asked how to change this back to 20 year loan and was informed I would have to re-apply for the last 5 years again. 

My loan has only increased in the last 4-5 years despite making all my payments on time. I also noticed on the fafsfa site two loans are in default that shouldn't be. I feel defeated and hopeless that these loans will ever be paid off and that I am only sinking into further debt with Navient. I wrote a letter to Navient explaining my concern and that I was aware of the numerous lawsuits filed by other students for the same reasons and requested a response regarding the matter. I have had no response from Navient thus far and need help to fix this matter. 
Kindly, Former student
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds were transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

on XX/XX/XXXX, between XXXX and XXXX my XXXX XXXX XXXX was repossessed, I had filled a bankruptcy in XXXX and dropped it and refilled in XXXX due to loss of job the above-mentioned car was in the case. Santander is the lean holder, I called Santander as soon as I found out where the car picked up, I spoke with different people each time i called, I have the name and employee numbers, XXXX # XXXX I was told that the Santander was notified on XX/XX/XXXX, when they did the " sweep '' that bankruptcy was dismissed on XX/XX/XXXX, Santander is saying I owe {$3000.00} on the loan, I was never contacted by Santander that money was still owed on the car, she also told me that default letters was sent out in XX/XX/XXXX, and XX/XX/XXXX, the bankruptcy was still in effect so therefore I would not have received anything from them as I was " protected '' HOWEVER come XX/XX/XXXX, I have not been contacted as I owe anything else on the car I asked if the call had been recorded and the all the people I spoke with stated all calls are recorded XXXX admitted that it has been over a year since they received the information that the case was dismissed and Santander should have contacted me, THEY DID NOT, they reposes my car with NO letter of default or right to cure property, on the call I requested to know the date of the letter that was sent and no one could tell me because it was made, mailed or sent. It has been a whole year and no I have no car and they are refusing to give me information as to where the car is or how to retrieve it. please help XXXX XXXX my cell. PLEASE HELP
Product: Mortgage

In XX/XX/2018 I received a check from our insurance company, XXXX, in the amount of XXXX to put a new roof on our house. Because we have a reverse mortgage the check was made out to my husband and me and to XXXX XXXX, I had to send mortgage company the check to be signed by them and sent back to us for a roof. We never received the check back. They deposited it without my husband and I signing it. About the middle of XXXX I started calling the loss draft department once or twice a week and each time was given a different excuse. They even went so far as to tell me to have my insurance company stop payment on the check and reissue me another one. My insurance company said they could not do this because mortgage company had already deposited it. We still have not received the money back and have already had new roof and the company is still waiting to be paid.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 'XXXX XXXX and XXXX  are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I refinanced my student loans with Lendkey. Or thought I did. Lendkey is supposed to disburse my loan directly to XXXX and claims they did so. XXXX has not received the payment. 

Despite not actually refinancing my loans, and despite that I am still making payments to XXXX and accruing interest with XXXX, Lendkey is also having me make payments to them and is charging me interest for loan that they never made!
Product: Credit reporting or other personal consumer reports

A notarized affidavit was submitted after the initial complaint was filed to XXXX XXXX. Another was submitted on or about XX/XX/year>. This has been on going for almost 2 years now.

As a result, another stall letter and statement was sent to me.

Once again, as this company can not and HAS not provided accurate validation that this account belongs to me, I am demanding that this account be removed from my credit reports.

This account does not belong to me and there has been no proof provided that shows that the account is mine.

There is not sufficient evidence to support that this account belongs to me as I have stated this is a case of identify theft where my personal data that XXXX is referring to in their second response was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Dear Capital One : This letter is in reference to the negative payment reporting from Capital One, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to Capital One reporting department. I have been a customer for a number of years with Capital One with which I had an auto loan that was paid off and credit cards in addition. The XXXX  credit card however is the issue. I did not receive a statement from Capital One in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from Capital One. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from Capital One have destroyed me credit report and I understand Capital One may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from Capital One about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling Capital One and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX, Equifax Formal Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau I am writing to formally dispute an inaccuracy on my credit report. Upon reviewing my report, I noticed incorrect information regarding my student loan account with the U.S. Department of EducationXXXX . 

The specific inaccuracy is as follows : Balance Discrepancy : The original balance of my loan is reported as {$33000.00}, yet the current balance is reported as {$35000.00}. Since I have made timely payments and there is no record of delinquency, the balance should have decreased, not increased. 

This error is misleading and negatively affects my credit profile. I kindly request that you investigate this matter and correct the inaccurate balance on my report. Enclosed, I have provided a copy of my credit report with the incorrect information highlighted. 

Please conduct a thorough review and provide a written response confirming the resolution of this dispute. If the information can not be verified, I request that it be removed from my credit file per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please contact me at XXXX if additional information is needed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America keeps rejecting legitimate transactions on my debit card and freezing my account for normal transactions. They send an alert to verify and I do so, and that verification is ignored by Bank of America. This has happened, and I have complained to Bank of America, numerous times. This instance resulted in 30 minutes on the phone and a duplicate transaction for {$1500.00}, which is now on hold in my account, and now I have the duplicate order to resolve with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & EQUIFAX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE ISSUE!
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 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 thats tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personally identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Please delete all other addresses. I can not receive mail or any correspondence at those addresses, nor do I have access to them. Therefore, please delete these outdated addresses and update my report with the one listed above. 

My only phone number is ( XXXX ) XXXX. 
Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section.

Pursuant to the Fair Credit Reporting Act, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed below. 

My contact information is as follows : Name : XXXX XXXX XXXX : * -- XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed this inaccurate items in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft MIDLAND CREDIT MANAG Account Number : XXXX This is not mine.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding an issue I encountered with the Bilt credit card, issued by XXXX XXXX, which I used to pay my rent in XX/XX/year>. 

On XX/XX/year>, I was double charged for my rent payment of {$1800.00}. This unexpected double charge has caused significant inconvenience and financial distress. I immediately contacted XXXX XXXX to dispute the double charge, but I received no clear response from them. Instead, I was instructed to wait without any definitive timeline for resolution. 

What concerns me further is that this is not the first instance of such an issue. There are multiple reports from other consumers who have experienced similar problems with double charges on their Bilt credit cards, which raises serious concerns about the reliability and functionality of this payment system. 

I am requesting that the CFPB assist in addressing this matter by investigating the situation, ensuring that the double charge is reversed promptly, and holding XXXX XXXX accountable for their lack of timely communication and resolution. I would also appreciate any assistance in preventing future issues for myself and others who may be facing similar challenges. 

Please let me know if further information is required to support my complaint. I look forward to your response and the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries on my report are fraudulent and were not performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX