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

Good morning, I'm contacting you guys about a matter that's been going on and still I have no results. I happened to check my credit report on XX/XX/2019 and noticed a company that was on my report through XXXX. The customer service rwp asked if I filled a tenant application for a apartment in XXXX, Ca I told her no and that I'm miles away from that city. I was told to call the company which I did and spoke to someone named XXXX. She told me to hold the line and she transferred me to that correct department to speak to a XXXX. I explained with a brief message what's going on and how I need a letter from them to send to XXXX to get this off my report asap.I still haven't received a message from this company I call them at least 1 to 2 times a week with no results. I have put in a complaint w/ the XXXX also w/ Department of Justice they tell me tjat it's being worked on. I do have proof of these letters from both departments. I did explain also that the XXXX and on this company website Credit Technology Inc is nothing but complaints reagrding the same situation I'm gooing through and more. I really need help with this XXXX is asking me for a letter that I can't even get through this bogus company to have removed from my credit report. This company needs to be investigated ASAP this is not right for us consumers.
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. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety
Product: Credit reporting or other personal consumer reports

This is the second time disputing these negative items on my credit report and I need them removed. Here are the acccounts : XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$130.00} Plus a new collection has been added : XXXX XXXX XXXX XXXX XXXXXXXX The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Debt collection

I believe I have been a victim of identity theft. I noticed in XX/XX/2022 that there were unauthorized charges to my bank account. The suspect also opened up a checking account and added XXXX debit cards to my checking account. I reported fraud with XXXX XXXX  and closed all my accounts and reopened new ones. I then contacted the XXXX credit bureaus to add a fraud alert. On XX/XX/2022, I noticed XXXX derogatory accounts from XXXX XXXX XXXX in the amount of {$6200.00} reported by XXXX XXXX XXXX and XXXX XXXX in the amount of {$78.00} reported by Receivables Performance. I would like to dispute and request that you remove these from my credit report as I am a victim of identity theft and those accounts do not belong to me. Please let me know if you need anything else from me or have any questions
Product: Student loan

I qualify for the Public Service Loan Forgiveness program available through the Biden modification plan. I have submitted the completed and signed employment verification form through the Federal Student Loan website three different times. Their response to my submittals have stated each time that the form has incomplete or missing information. I have highlighted in yellow each section required to be completed and confirmed the information is accurate before submitting the form each time. The latest response letter dated XX/XX/XXXX states : " Missing Information : Your employer certified the dates of employment that were entered in Section 3 of the PSLF Form. However, the employment end date is before the employment begin date. Complete and return the enclosed form. Make sure that your correct employment begin and end dates are shown in Section 3 and that your employer certifies correct dates. '' My form clearly shows the employer entered by begin employment date is XX/XX/XXXX and that my employment end date is " still employed. '' The form was signed by the Human Resources representative on XX/XX/XXXX. A previous application was rejected based on similar reasons. My application was reject in XX/XX/XXXX because " Section 4 was not completed, '' however, I am employed by a state government agency and the form clearly states to only complete up through Section 3, then sign and date the form. The other submittal was rejected in XX/XX/XXXX because " Your employer did not provide a name or EIN in Section 3. '' However, the form had all of this information clearly provided on the form. 

I believe that the Federal Student Loan agency and/or my loan servicing company XXXX XXXX is deliberately rejecting my PSLF form and my application in order to deny my student loan forgiveness.
Product: Debt collection

On XX/XX/2020 I Contacted this company to ask them about the debt I seen on my credit report that I knew I did not owe, since I had XXXX on the service date of XX/XX/2020. The Original debt was from XXXX XXXX XXXX  XXXX XXXX. 
When I contacted FIRST FEDERAL CREDIT CONTROL INC, They hung up on me when I tried to explain to them That I have Insurance and that this should not be on my credit report. When I called back and talked to another person they threatened to sue me for this debt I do not owe. I would like fraudulent debt removed from my credit report. I also tried to give them my XXXX number as well. 
Thank You.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.
Product: Credit reporting or other personal consumer reports

I had recently contacted all three major credit agencies. XXXX, XXXX, and Experian. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.
Product: Checking or savings account

On XX/XX/XXXX, someone unauthorizedly accessed my San Diego County Credit Union checking account and stole my funds. The financial institution charged me an additional fee for having the account due to an overdraft. I reported this case to the police due to identity theft and requested an investigation from the Credit Union, with no response. They closed my account on XX/XX/XXXX. This negatively impacted my finances and credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, 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 Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX CNS XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Charged off XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$420.00} Collection XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Charged off XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$2500.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Im writing to express my concern with ZELLE 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has also 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 consumer safety.
Product: Credit card or prepaid card

I purchased back in XXXX some furniture from Wayfair, they had advertised 36 month 0 % APR on order over {$990.00} online order only. I ordered online and I applied for the offer. Citibank offered me the Master Card form Wayfair instead of the regular Wayfair. Instead I ended up getting 36 months with an APR of 9.99 % monthly. I tried to fix it and I got bounce back and forth between Wayfair and Citibank. I was on the phone for XXXX hours, I got the phone hanged up at me XXXX times and never got a call back. At the end they just told me there is nothing they can do. Neither Wayfair, nor Citibank wanted to resolve the issue. Misleading information, horrible customer service. Be very aware!!!!! I'll never buy anything else from Wayfair and I won't use Citibank ever again.
Product: Debt collection

There are XXXX accounts listed on my credit file that are unknown, I have disputed and requested validation and nothing has been received. Please help
Product: Mortgage

I was approved by XXXX XXXX XXXX 18 months of Mortgage payment. 
The mortgage company havent received a mortgage payment since XX/XX/ I called XXXX XXXXXXXX XXXX explaining this incident. They opened a ticket for investigation one month ago, until now they havent called me back neither I had not have a solution from Them. 
Mortgage company : Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, .3 ) XXXX XXXX {$130.00} XXXX acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXX XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I feel that my rights have been violated, and I demand that this information be deleted immediately
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As an affected consumer, I am writing to inform you that I have been a victim of identity theft, and as a result, the account with the number XXXX XXXX was not opened or authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the removal of any information related to fraudulent accounts after submitting an identity theft report. Therefore, I am requesting that this account be removed from my credit report. I have attached the corresponding identity theft report, which I have filed with the relevant authorities. 

I appreciate your cooperation and prompt response in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.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: Payday loan, title loan, or personal loan

Got a pay day loan from inbox loans on XX/XX/2018 for XXXX $ Couldnt pay it back so they started garnishing my wages and they say I owe over XXXX $ and when I try to call the loan company there is no answere and I feel this is a scam
Product: Debt collection

I agree to a debt collection with XXXXXXXX XXXX, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX XXXX I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.
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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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 company 's was not given my consent toand 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 I was never notified that my personal information would be share to 3 party company without me giving an agreement 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. '' last i would like to state that 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: Credit card

I applied for and received a truist credit card with a 0 % promotional rate for 12 months. When I set up the auto pay for some reason it didn't pay the minimum amount for the first payment and I received a late fee and lost my promotional rate. As soon as Truist contracted me I corrected the auto pay and paid the due amount and set up auto pay with their help. They admitted that its confusing because they have a card account to pay or the main corporate account to pay. One account was showing no balance and the other was showing a balance. I asked because of the confusion in setting it up if they would reinstate my promotional offer as that was the reason for getting the card and they said no and I believe the new rate they would take me to is XXXX which I think is unfair considering they know there billing process is confusing.
Product: Mortgage

My loan servicing was transferred from XXXX to Mr. Cooper. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX  that were not reflected in the balance Mr. Cooper stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance Mr. Cooper said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX  on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX  of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by Mr. Cooper 's records reflecting my loan was transferred to Mr. Cooper on XX/XX/2019 instead of XX/XX/2019.