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

This is my first time in 30 years were my future job with XXXX XXXX has been on hold for incomplete background missing information. The information belongs from XXXX XXXX XXXX de XXXX XXXX were they informed that were unable to find my information. XXXX XXXX XXXX XXXX type XXXX, XXXX XXXX XXXX not given my transcript years taken. I have Copy Stamp on XX/XX/1999 in the Formal transcript documentation by the XXXX XXXX XXXX de XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

I sent a letter to Lexis Nexis for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to Lexis Nexis nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX 's website is non-functional for me. I had a username and password. They redid their site and my old sign-in did not work. I have tried more times than I can count to sign in with what I have recorded or to use the " forgot username '' or " forgot password '' function. I have tried to initiate a new account. Nothing has worked. There is a phone payment function but today it took me THREE CALLS for it to finally get me to the right place and accept my payment. My time is quite valuable, so it can be argued that such trouble costs me up to hundreds of dollars each time. I have spoken with customer service and have emailed complaints SEVERAL times. I always get an email back saying I will be contacted to resolve the issue and I never am. Today I was frustrated to the point of calling my former mortgage servicer and inquiring about a refinance. It could be easily done but the cost involved makes it impractical. As bad as I want to be rid of Franklin American, I do n't wish to pay thousands extra to do it. I think they should be forced to repair the problem and compensate me in some way. I do a great deal of banking and purchasing on line and can honestly say I have had nothing close to this level of difficulty. The problem has persisted for over six months now.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. On XX/XX/XXXX, I called my bank, Chase, to authorize the transfer. Chase told me it will take 24hrs to process it. 

However, I realized quickly it was a scam and called Chase back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. Chase responded that I missed the cut-off. I explained to them that it was a scam and as an ethical organization, I urged them to do more. They responded that there's nothing they can do at this point. 

I asked then for a wire recall. Chase responded that I needed to wait Monday morning to contact the Wire search team. the fact that I had to wait a whole weekend and give the scammer plenty of time to close his account and disappear is just unacceptable. 

Monday, XX/XX/XXXX, I called the Wire search team at Chase. They told me they will reach out to the other bank involved, XXXX. On XX/XX/XXXX, Chase called me back to tell me that XXXX contacted them to inform Chase that its client is unwilling to give the money back. The fact that this answer was enough for Chase is just once again unacceptable. I provided proofs regarding the scam and Chase was not willing to do anything about it. 

Furthermore, I believe Chase didn't wait for me to authorize the transfer to process it. On XX/XX/XXXX in the morning, I received a message on my phone from Chase telling me they need my authorization in order to process the wire. However, on XX/XX/XXXX in the afternoon, I also received the following email. 

" We have not sent your wire transfer referenced above because of a delay in processing. We will continue processing your request and contact you if we need more information. '' For that reason, I believe Chase was reckless and started processing the wire transfer before I gave my authorization. That's why I believe when I called back two hours after I gave the authorization, Chase had already processed it.
Product: Payday loan, title loan, or personal loan

Bait and switch.. Prequalified and they even did a hard pull afterwards. Talked to a rep who then turns around and says, Oh, your collateral isnt of enough value so we wouldnt be able to proceed. I ask what value it came back as, they say, they dont have that information. These people are absolutely ridiculous and dishonest. I would never do business with them. Ever. Now I have another hard inquiry on my credit.
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 has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams due to their lack of security and verification against scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without my knowledge or authorization by these companies. 

XXXX XXXX XXXX XXXX XXXX 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

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXXXXXX Balance : {$XXXX} XXXXXXXX XXXX XXXX Balance XXXX {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXXXXXX XXXX XXXXXXXX Balance : {$XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Navient is still reporting derogatory credit information to the XXXX credit bureaus after the private student loans were defaulted for more than XXXX years.
Product: Student loan

XXXX XXXX under this company : XXXX XXXX XXXX, WI I have an award for serving with XXXX. Since XX/XX/2018, which is when the company changed websites, I've been trying to make payments with XXXX XXXX. I knew that my payments usually took a month to be deposited, so I waited. No payments have shown up. On my XXXX account, it says that it has been taken out and the trust officer opened my payment. I attempted contacting them via e-mail. They responded on XX/XX/2018. This was the response I received : Dear XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. 

The {$120.00} payment made through XXXX is not reflecting on your account. Do you have any proof of transaction or any documentation so we can conduct a payment research? 

If you have any questions, please contact our office at XXXX. Representatives are available during the week from XXXX XXXX to XXXX XXXX CST. 

Thank you! 

Description : Description : XXXX XXXX XXXX | Customer Service Representative XXXX XXXX XXXX, XXXX XXXX XXXX I responded with the following ( the same day he sent me the e-mail ) : I have attached the screenshot of the payment. I have made another payment on top of that one that I sent out yesterday. No action needs to be taken yet for that one but I wanted to give a heads up it is on its way. 

Thanks so much! 

XXXX XXXX ( Screenshot of this conversation and of my XXXX account is attached. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, XXXX XXXX XXXX reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an accounting of the amount owed under the security agreement between us, as governed by UCC 9-201. As a responsible debtor, I believe it is important to ensure that both parties are aware of the exact amount owed, as well as to verify that your records are accurate.

Accordingly, I am requesting that you provide me with a statement of account that includes the amount owed by me, the amounts I have paid, any credits or offsets against my account, and the remaining balance owed by me. Pursuant to UCC 9-201, I am entitled to receive this information at any time before my debt is fully satisfied.

I am requesting that your company send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102.

UCC 9-201 is a section of the Uniform Commercial Code, which governs secured transactions in the United States . It outlines the rights and responsibilities of both secured parties ( creditors ) and debtors in these transactions.

A " request for accounting '' under UCC 9-201 refers to a request made by a debtor to a secured party for an accounting of the amount owed under a security agreement. This request can be made at any time before the debtor 's debt has been fully satisfied.

Once the request is received, the secured party must provide the debtor with a statement of account that includes the following information : The amount owed by the debtor The amounts paid by the debtor Any credits or offsets against the debtor 's account The remaining balance owed by the debtor The secured party is required to respond to the request for accounting within a reasonable amount of time, and failure to do so may result in legal consequences.

Please note that if this information can not be provided, I kindly request that you delete this account from my credit report as it is my right as a consumer to ensure that my credit report is accurate. I am confident that you will respond to my request in a timely and professional manner as I understand that you have certain obligations under the law.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding transunion, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX : Account number : XXXX, Opened Date : XX/XX/XXXX, an Balance {$270.00} XXXX XXXX XXXX Account number : XXXX, Opened Date : XX/XX/XXXX, an Balance {$0.00} XXXX : Account number XXXX XXXX, Opened Date : XX/XX/XXXX, an Balance {$0.00} 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 The accounts listed above are fraudulent and have led to numerous unauthorizedhard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediateaction to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Bank account or service

XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Bank of American states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Bank of America employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  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 and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 8.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 instructions
Product: Debt collection

I have an aspire Mastercard since XX/XX/XXXX. I was out of work for a few weeks I havent missed a payment up until now. I came back to work last week I reached out to customer service on XX/XX/XXXX via chat and explained that I am in a financial hardship and that I need some time to get back on my feet and if it was possible to get an extension or a grace period and I was told that aspire doesnt give out extensions or grace period and I would be charged a late fee. The agent told me she would notate it in the account. I explained that I would do my best to pay it. My account got overdrawn and I have no way of paying it. I received to emails that the account is past due and I need to make a payment of {$150.00} to reinstate the account. I still received an email about the same thing. I am on a fixed income and Im barely making it. I would like the emails and texts or calls or letters to cease and desist until I am able to get back on my feet financially. Since I was out of work for a while. I can not pay {$150.00}. I would like an arrangement or a payment until I get back on my feet.
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with XXXX, and Experian which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''
Product: Student loan

My original loan with the company was {$32000.00} after I graduated in XX/XX/2009. I have paid {$23000.00} to date on this loan ( {$13000.00} interest and {$9700.00} principal ) but yet my total loan amount still owing is {$30000.00}. A little over a year ago I tried to settled the entire loan for the balance owing - what I had paid to date less the original balance. The servicer immediately refused my request stating the lender does not offer settlements. 

I have a combined student loan debt of over {$400000.00}, half of which is federal loans and the other private loans. Because I am unable to make full payments ( I only make {$55000.00} a year ), my debt keeps accumulating. I explained this in my request but yet they refused. So, to date, on this loan, I have paid over {$23000.00} on an original loan of {$32000.00} and still owe over {$30000.00}. How is this ethical? 

I am trying to clear this debt to help with my overall student loan debt. Plus, my mother co-signed on this loan for me so I am trying to at least resolve this debt so she can retire without this lingering over her. I am asking to settle this debt for the balance of the original loan ( {$32000.00} ) - what I have paid to date ( {$23.00}, XXXX ) = {$9200.00}
Product: Mortgage

This also concerns Complaint number XXXX. 

Mortgage is paid ahead until 2022. There is no compulsory monthly interest stipulations nor prepayment penalty. Been attempting to make principal-only payments but bank keeps charging interest. They will rescind the interest upon complaint, but this has happened to the point that it has begun to show nefarious and unlawful intent to collect what they are not owed.