23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX, I NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT & ACCORDING TO THE FCRA I'D LIKE TO HAVE THEM REMOVED IMMEDIATELY.

-WF CRD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I purchased spices and dried fruit at the spice market in XXXX, XXXX. I used my XXXX to pay through my Bank of America Visa card. The charge was for XXXX Turkish lira ( {$38.00} ). The merchant informed me that the transaction did not go through and that I needed to do it again. I was duped, the merchant then ran through a new charge of XXXX Turkish lira ( {$340.00} ). I didn't realize this until I returned home and saw it on my monthly B of A Visa statement. I initiated a dispute for the second fraudulent transaction of {$340.00} with Bank of America on XX/XX/year>. Bank of America sent me a letter ( attached ) stating that they would investigate with the merchant 's bank in XXXX ( XXXX XXXX XXXX XXXX  ). On XX/XX/year>, Bank of America notified me that my claim was denied and re-posted the {$340.00} fraudulent charge to my XXXX statement.
Product: Debt collection

Requested documentations to verify allege debt and were not able to deliver all Requested documentations under the law so XXXX days has passed and they haven't delete the file from credit file
Product: Student loan

I have been paying on my loans with Nelnet for the past 10 years on time while working at the XXXX XXXX XXXX XXXX.. I used my income to qualify for payments over the span of 10 years there was always an income requirement for the payment to be based upon.. I called once I was medically retired to see about having my balance forgiven, they now informed me that the plan I was on was not that particular plan for the balance forgiveness.. NELNET calls it the graduate payment plan, but when my income decreased I called and asked them to lower it and when it increased I called and asked them to increase or the increased it. It was always based on my income now they are saying that plan is not the income based plan.. they also stopped Sending statements because they told me that I was prepaid until XX/XX/2020. Now is XXXX and I get an email past due {$64.00} but I am pre paid until XXXX I think they are playing word games with me and thousands of other student borrowers and it is not right or fair.. I paid may loan religiously year after year income based. Now when I want to balanced forgiven, that was not the right plan.. that is not what they told me. That is not right.. I had to put my loan into forbearance for a mistake they made.. I was already prepaid until XXXX of this year..
Product: Debt collection

AFNI is reporting a debt on my credit file. I recently checked my credit and notice this debt. I have never received any phone calls, letters, or any notifications. I called immediately to find out what this was regarding to and paid the debt. Afni is in violation of my 30 day right to dispute. I never received anything.
Product: Credit reporting

On several occasions I have sent repeated letters requesting that the information on my credit report be removed due to Identity Theft but to no avail.The company has not removed the information from my report. XXXX XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX is on my credit report and they all are from the XXXX Identity Theft account a Student Loan that I did not sign off on or give anyone permission to do so.
Product: Credit card

First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. XXXX examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, XXXXconsumerfinance.govXXXX however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. 

Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have paid well over the minimum payment amount on numerous occasions, however they always apply it to my promotional interest rate. They do not apply it to my purchases being assessed higher interest rates. I 've wrote them and e-mailed them about this, even specifically asking that my payment be applied to my purchase balances, and they refuse to do it. 

They seem to feel like they are exempt from the law. They honestly do n't seem to even understand the law. I told them I 'd be contacting the CFPB with this, and they are so arrogant they just kept saying " We comply with the law. '' and refused to look at the specific provisions of the law that they are not complying with. Please help. They need a wake-up call. I 'm sure it is not just me that they are pulling this against.
Product: Credit card or prepaid card

I have disputed my Discover credit card for multiple charges by XXXX XXXX which were not initiated by me. I am sure that as a credit card company Discover can see where the charges are coming from with the name and XXXX XXXX. I had absolutely nothing to do with the fraudulent charges that were made to my Discover account. Discover assigned a XXXX agent to my case that would make fun of my accent and kept denying my claim as if I was the one that used the card and tried to dispute the charges. I am an old customer with Discover and I would never go as low as to use my card and blame it on fraud. Thanks God we live in the most advanced country with the most advanced technologies and for Discover not to be able to properly investigate and find the perpetrators is simply not true. Discover preferred to blame it on me rather than investigate the charges and find the real fraudsters. If I am guilty of committing this crime they should go ahead and charge me with fraud but instead they find the easiest solution-blame it all on the card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 of 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 CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. Your inability to provide me with needed documents to prove your claims that the disputed items belong to me should have resulted in the deletion of the items in question. I demand you to comply with the Federal law and have the disputed items removed at all cost.
Product: Student loan

I have been repaying a student loan since XXXX the loan was consolidated in XXXX. After consolidation the loan amount was {$27000.00}. I had trouble repaying early on and the loan was put into forbearance. This happened twice. Interest capitalized several times to the amount of {$23000.00}. I have made payments over the years totaling {$60000.00}. I have looked through my account and I do n't understand how I still owe over {$34000.00}. I have reached out to XXXX ( now Navient ) many times over the years and the response has always been " oh well that 's just how it is ''. If I took out the loan in XXXX and repayment was over 20 years at 8 % and I never deferred payments, I would have paid the loan off in XXXX and total dollar amount of payments would have been {$54000.00}. I take responsibility for my lack of knowledge in how capitalized interest works but I was never counseled by XXXX ( Navient ) on how to manage this debt, even though I asked for help many times. I should n't have {$34000.00} still to pay on my student loan. It feels a lot like the government is profiting from student borrowers lack of understanding.
Product: Debt collection

XXXX XXXX XXXX/ Barclays card services/ they have destroyed my credit/ and added collection to my credit account/ {$2500.00} dates XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies present on my Equifax credit report, which I believe violate consumer protection laws. The discrepancies involve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inaccuracies include missing information, incorrect dates, and duplicate reporting, all of which adversely affect my creditworthiness. 
XXXX. XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : Missing Date of First Delinquency : XX/XX/XXXX ( Inaccurate ) XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : Missing Date of First Delinquency : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor Name : XXXX XXXXXXXX XXXX  Last Payment Date : Missing information Date of First Delinquency : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Name : XXXX  Last Payment Date : Missing information Date of First Delinquency : XX/XX/XXXXXXXX XXXX XXXX  These inaccuracies not only compromise my creditworthiness but also violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
I kindly request the Consumer Financial Protection Bureau to investigate and rectify these discrepancies promptly. 
I appreciate your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that Equifax complies with consumer protection laws and corrects the inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

Hello, there are inquiries on my credit report which I believe to be fraudulent - that I don't recognize nor applied to which is really concerning, I did not authorize this nor given consent to these companies to pull up or access my credit report. It is stressing me and making me anxious on why and how this happened for I could already be a potential victim of identity theft.
Product: Debt collection

I pulled my credit report again on XX/XX/year> and seen that Security Credit Services has been placed back on my credit file saying that they verified that this account is accurate but have been removed from my credit file mutilpe times without showing mt prrof of the debt they say i owe them. I have asked for the bill of sale and also reqested that this company been on a cease and desist until they can prove the I made a consent or any business with them. They have damaged my life and my credit over the years and I demand this to stop immediatel under 15 USC 1693 ( g ) and 15 USC 1692 ( c ). They have now sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX which I also want to request a cease and desist to as well for trying to attempt to collect a debt that is not mine but cant not prove that I have consent or done business with. I have been demanding a proof of bill of sale or a purchase agreement for this debt but nevr get nothing but a piece of papper with credit card statements saying that is validation proof which anyone can get a copy of a statement on a XXXX letter paper.
Product: Payday loan, title loan, personal loan, or advance loan

ACIMA keeps sending me notice that I have an account and that I do not have. They have taken money from my account which ive asked back for because I was declined. 

I have called, emailed and no resolution. 

I applied for something from ACIMA before and was approved and paid it off. 

I applied again and was refused for furniture, I did this online and was refused I did not do this In store. 

Please can this be resolved I received no furniture and to my understanding this was declined.
Product: Credit reporting

Information should have dropped off 7 years from the date of XXXX delinquency, instead they are dropping only one month at a time. I submitted online XXXX have this corrected and never received a response or correction.
Product: Payday loan, title loan, or personal loan

This account was cancelled on XX/XX/2020. I have called several times for a refund and for my account to be cancelled. They are stating that it will take almost 30 days to cancel and refund my account which is unacceptable. I DO NOT HAVE ANY OF YOUR MERCHANDISE. CANCEL MY ACCOUNT AND REFUND ME MY MONEY
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My credit is continuously declining, and my information is being sent to 3rd party agencies without my consent. I've reached out to try to settle this, to no avail. I want to opt out
Product: Credit reporting or other personal consumer reports

I contacted TRANSUNION because they are listing a bankruptcy on my credit. I don't have a bankruptcy. I asked them to send me proof of the is error and I haven't received anything from Transuion to verify to me that this bankruptcy is accurate. I even contacted the court system and they said they do not verify any information with any credit bureau
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX  requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.
Product: Credit card or prepaid card

On XX/XX/XXXX my wells fargo credit card was charged with XXXX dollars from a cash advance done on line, i notice it on my statement on XX/XX/XXXX immediately call wells fargo, i did a fraud claim they told me that they didn't approve that transaction and they never gave the money to who ever was committing the transaction because it didn't seem right but they still charge my credit card with the XXXX plus fees I've been calling them since then and they put me through every department and they just tell me I have to deposit XXXX dollar to get that charge out of my credit card, I whent to the branch on XXXX XXXX and XXXX XXXX in XXXX XXXX nv and the wells fargo employee told me that they don't do those problems at the bank
Product: Vehicle loan or lease

We sent a payment to Wells Fargo Dealer services who had the loan on our truck on XX/XX/2016 and they deposited in their account on XX/XX/XXXX. Their records show that it was posted on XX/XX/XXXX. The due date on my loan payment was XX/XX/2016 the payment was NOT 30 days late. We sent a payment of {$19000.00} which we thought was the amount we needed to pay it off. The payment was sent from a home closing we had and sent through the Title company. We've spoken to 4 different people at Wells Fargo Dealer Services and gotten 4 different excuses one was an out lie when the representative told us that the check sent from XXXX XXXX was for XXXX XXXX XXXX XXXX and something. Then another representative on another call told us the correct amount of the check and they said they applied it to principal per the instructions on the check. I have a copy of the check and it just has the account number. So in essence we made our payment on our truck and was NOT 30 days late. On the XXXX of XXXX they called us and said we still had a balance of {$140.00} and so my wife made the payment on XX/XX/XXXX but they said that they " reversed '' the payment. So we went into the bank and made the final payment of {$140.00} at the bank on XX/XX/XXXX of which our payments were STILL NOT LATE. A large payment was made XX/XX/XXXX so it was only 29 days late not 30 days late and then the final payment was made on XX/XX/XXXX which made it only 8 days late. Why they will not remove the 30 day late on my credit report I don't understand. And why they continually lie with different stories from different customer service agents I don't understand.
Product: Mortgage

Upon missing three payments, due to severe personal hardship ( loss of husband and son ), the mortgage company, freedom mortgage, began the foreclosure process. In the time since, over $ XXXX in fees that are for non existent services and an additional $ XXXX in interest and principal additions bringing the payment due to over $ XXXX in less than a year with initial payments only being {$1400.00}. Mathematically impossible. Upon requesting amort schedule and formal docs, they wouldn't provide her any. She's been locked out of her online portal the entire time, with no way to access her information. The note contains at least 7 regulatory violations at first glance, and more in the underwriting.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I sent a letter to XXXX, Experian, and XXXX about the inaccurate information on my credit report. It's now well past the deadline, and not a single one of these agencies has bothered to respond. This blatant disregard for my rights is unacceptable. I demand that this account be permanently deleted immediately. It is an ongoing violation of my rights to keep reporting inaccurate information that doesn't match the records of other consumer reporting agencies. Your failure to address this issue, despite my repeated attempts to get a resolution and provide proof, is utterly frustrating and will not be tolerated.