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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly ; y 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 CFBP 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Vehicle loan or lease

I asked for an extension just for a few days because i was unable to make my payment on the date it was due. I'm currently out of work because of the coronavirus and have been since social distancing started. I work face to face with clients and im commission based so if i dont work i dont get paid. The loan company has the ability to shut the car off using a passtime device so ive been having to gas up 24/7 just to keep my car on because once i turn it off i wont be able to turn it back on until its paid and these people do not work with you AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not allow me to unfreeze my credit report online or through their automated phone system. 

Unfreezing my credit report requires talking to a live agent per Equifax 's customer service rep.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, and I am writing this in hopes of getting a late payment removed. I do not recall making the payment late, However it can be an oversight. For 4 years I have never been late on the XXXXXXXX XXXX account. In XXXX of XXXX, there was a 30 day late being reported. 

I will like to know if this late payment can be reversed to current or paid as agreed as a courtesy. This late payment is hurting me from getting approved for other accounts. I will like if this can be removed. Thank You very much.
Product: Credit reporting

after disputing a inaccuracy on my report, with proof attached equifax claimed they contacted the reporter and the reporter claimed the account was still open and in collection : see attached equifax responce. they did offer me a service for XXXX to expedite my dispute. they reported to the cfpb they had not contacted the reporter. i submitted a copy of their response to me to the cfpb showing the falsehood. now im seeing a XXXX point drop on my equifax score! Is this retribution? see other attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the Georgia Service Cancelable loan for the Georgia Student Finance Commission. I commissioned XXXX XXXX upon graduating school and there was some confusion with GSFC as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with GSFC, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not XXXX. The XXXX credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.
Product: Mortgage

BSI refunded me XXXX from my escrow as overpayment/over balance on XX/XX/21. On XX/XX/21 they left me a voicemail that the check was sent in error. On XX/XX/21, they modified my load payment ( which is autodrafted ) by lowering the draft by XXXX. Now they want me to write a check for XXXX to cover the old escrow balance instead of keeping my original loan payment of XXXX. 

When I spoke with a manager at BSI, they claim they " miscalculated '' my escrow account balance. The check was sent in error, but they can't tell me why my payment dropped by XXXX. 

They have sent nothing to me in writing. This " error '' was only explained to me via telephone and I am not comfortable with that. 

It seems like they are trying to get me to front load an existing escrow account after mismanagement of my payments. 

Please help
Product: Checking or savings account

My Money is STOLEN by Discover bank ( checking account ). I made a mobile check deposit Friday night XX/XX/2021 for {$3200.00} to my account. I read the terms and it clearly states the first {$250.00} is available on or after the first business day of deposit! I spoke to a financial representative Monday XX/XX/2021 in XXXX XXXX XXXX, UT and was told on a recorded phone call that my first {$250.00} is available now on the XXXX of XX/XX/2021. Now some idiots customer service XXXX XXXX whom can not speak XXXX  from XXXX, AZ are refusing to give me access to my own money! They would not let me speak over the phone, instead they Nastily coughed through the telephone in my ear... such XXXX  PEOPLE!!! I regret having accounts with discover for the last four ( 4 ) years. I may now have the call in my check Stolen and place a " stop payment '' on this check I now have to call the Police and file ( press charges ) report .... this will be forwarded to the Executive Office - CEO. I will be closing my accounts with Discover because they are the XXXX XXXX People ever! they do not have a : walk in Bank / location anywhere in this Country.. I believe they are a criminal organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan motor corp account number XXXX is reported has a charge off cancel the debt it been affecting my credit and family for us to get a bigger house
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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. 

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

I recieved notice from XXXX XXXX that there was an attempt to open a credit card using my personal information. There is now a hard inquiry on my Transunion report. The bank was XXXX XXXX XXXX FL XXXX
Product: Credit card

Brandsource which is a city bank card. I went to pay off the account.Told them funds was move to my checking account from the sayings account. They show acct paid when spoke to them on XXXX/XXXX/16. Told a rep payment wo n't go though once they put show the balance I would call in a pay it off. Citi bank has hit my savings account 4 times now. Even with me calling them again on XXXX/XXXX/16, XXXX & XXXX/XXXX/16. It is costing me fees. I was told by them they will hit the account as many times as my credit union allows. Since account still show a XXXX balance I have asked for a paid in full letter they would send on and they have n't. I want them to stop hitting my savings account and pay me back the {$75.00} dollars they have cost me in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX  XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX  XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4000.00}
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX TX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Medical XXXX XXXX : {$190.00}
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

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

Nissan Motor Credit has reported a late payment for for XX/XX/XXXX of more than 30 days late. In XX/XX/XXXX I contacted Nissan Motor Credit and asked for forbearance due to COVID 19 impact for 90 days. They honored it in XXXX but for XXXX they reported me as being late. I contacted them once I found out in XXXX and paid XXXX and XXXX and XXXX payment at once and asked them to correct this late reporting as it should have not been reported since the forbearance was due to COVID-19. I sent a certified letter to their home office per their instructions and requested the credit reporting update ASAP. It is not XX/XX/XXXX and to this date they have not done the correction. This has impacted my credit negatively. 
I have included the letter I had sent to Nissan Motor Credit asking for this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided my personal information to a number of Mortgage companies without my permission. I have received dozens of unsolicited phone calls from local mortgage companies all saying that they received my number from Equifax. Customer service at Equifax stated they do not know why my personal information was given out in a promotion and I never authorized this company to share any personal information. The sheer volume of phone calls I have been receiving has impacted my business and personal time. This is a breech of privacy policy.
Product: Money transfer, virtual currency, or money service

I am sending this complaint again. The initial dispute was not entered correctly in Chimes system to review accurately. The representatives did not understand the situation. I need Chime to look at the documents and the explanation of what happened. Chime is holding my {$100.00} ransom right now. The phone number for whoever that XXXX is no longer belongs to him. XXXX has legally assigned it to another person. This is Chimes internal pay system that caused this error to occur. Its shameful the company did not throughly review my complaint. CFPB needs to do better then allowing this to happen
Product: Student loan

Was told that interest would not ecru because I was not able to make payments due to unemployment from years XXXX to XXXX. Then because of other financial issues I was only able to make some payments. I asked about loan forgiveness and was repeatedly told if I was in a position that qualified, which I was, I would have to be in that position for a certain amount of years. I was told this several times. I was NEVER told that I had to make 90 straight payments. I went to school late in life and am now XXXX XXXX XXXX. I have also received penalties. When I argued over the last penalty fee, because it was totally unjustified, the woman told me not to worry about it. She said it goes on the back end of the loan and I didnt have to pay it until the end! I have asked about any help, programs reduction of the interest payments etc. Not only was I lied to, I can not find a way to pay this down! It has grown an extra 5,000! I am recently recovered from XXXX and dont know how I can pay this and my other debts. Surviving on my salary is hard enough, and taking on a second job is not an option because of my health. This company has repeatedly lied to me and I dont seem to have any recourse to fight them. I dont understand how they can do this and get away with it. I thought because it was a federal loan, it would be better than a loan from my local bank. I was so wrong. Is there anyone or any program that can help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

Experian Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to correct the late open account on my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these numerous correction attempts and any documentation supporting your claims. 

Review and assess the accuracy of the late open account, ensuring that it is based on verifiable information and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report that may have arisen from these correction attempts. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your assistance to correct the late open account in my credit file : XXXX XXXX XXXX  Balance Owed : {$33000.00}.
Product: Debt collection

I am writing to dispute the inaccurate data being reported on my credit report, referencing account number XXXX by XXXX XXXX XXXX 
How it should report / Why it's inaccurate : I am disputing the below collections on my credit report, because I have verified with XXXX XXXX XXXX and with XXXX XXXX XXXX XXXX that these bills were never billed to my insurance company, XXXX XXXX XXXX XXXX within the timely filing window. I am not liable for this debt, and these accounts need to be removed from my credit report because they are being falsely and accurately reported as my liabilities to pay. 
$ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Supporting documents have been enclosed, which is a snapshot of my bill from XXXX XXXX XXXX, account # XXXX which show that my {$1700.00}, {$100.00}, {$79.00}, AND {$66.00} charges were not billed to my insurance company. 

Additional info : I called XXXX XXXX XXXX XXXX on XX/XX/18 at XXXX, and verified with representative named XXXX via XXXX that XXXX XXXX XXXX is an in network provider and did not bill XXXX XXXX XXXX XXXX for this claim, until XX/XX/18 which is outside the timely filing window. 
XX/XX/18 : Spoke with XXXX from XXXX XXXX XXXX XXXX, at XXXX XXXX via XXXX and confirmed that they declined the claim since it was filed outside of the timely filing window. Sent me via email my EOB which shows I am not liable for this debt. I also received a copy of the claim that was submitted late by XXXX XXXX XXXX which was denied because they filed my claim outside the timely filing window. 

I attempted to follow up with XXXX XXXX XXXX and was told that despite the above info, in order to remove the debt from collections, I would have to pay the debt, according to XXXX with XXXX XXXX XXXX. See below correspondence : " From : Billing Questions XXXX To : " XXXX '' XXXX Date : XX/XX/2018 XXXX XXXX PST Subject : RE : Request from XXXX Account # XXXX Dear Sir/Maam, Our office has received the attached email concerning your account inquiry. To have the account removed from collections, the charges must be paid first. Please reply to this email or contact our office at XXXX ( XXXX ) XXXX with any further questions or concerns. Thank you for your attention in this matter. 

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

In XXXX. XXXX I contacted XXXXXXXX XXXX  to apply for their mortgage forbearance program and was approved for XXXX days of mortgage forbearance. 

At the same time I accepted an offer from a buyers to purchase the house with a closing date of XX/XX/XXXX. The closing date would be XXXX  days before the forbearance agreement with XXXX XXXX ended and would pay the mortgage in full. 

On XX/XX/XXXX the sale of the house closed and the mortgage was paid off. 

On XX/XX/XXXX XXXX XXXX reported to my credit report that I was XXXX days late on my mortgage payment even though the account was paid in full and they refuse to adjust/ remove the negative mark.
Product: Debt collection

SouthWest Credit Systems Has attached an unknown debt to my credit report. I do not have an account with Southwest Credit System and I do not have an account with XXXX. Please remove this wrongful account from my credit report.
Product: Credit card

A new inquiry was just added to your XXXX credit report was sent to my email I didnt give any one permission to use my information this is fraudulent please remove Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keep reporting 2 inaccurate address and they wont remove the address in question. and not only is it hurting me but its being sent to the credit card companies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX : {$110.00}XXXX XXXX XXXX Balance Owed : {$0.00},