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

SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL DEAR SELFINC/LEAD, I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO FORMALLY DISPUTE THE PRESENCE OF LATE PAYMENTS REPORTED BY YOUR ORGANIZATION ON MY CREDIT REPORT. I BELIEVE THESE LATE PAYMENTS TO BE INACCURATE AND UNJUST, AND I KINDLY REQUEST THEIR REMOVAL IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. 
THE LATE PAYMENTS AND FIRST DATE OF DELINQUENCY ARE IN QUESTION ARE ASSOCIATED WITH THE FOLLOWING ACCOUNT : SELFINC/LEAD : XXXX : DATE ( S ) OF LATE PAYMENT ( S ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I WISH TO EMPHASIZE MY COMMITMENT TO FAIR AND ACCURATE CREDIT REPORTING. 
THESE LATE PAYMENTS HAVE HAD A SIGNIFICANT IMPACT ON MY CREDITWORTHINESS AND HAVE CAUSED ME UNDUE FINANCIAL HARDSHIP AND EMOTIONAL DISTRESS. 
IT IS MY UNDERSTANDING THAT YOUR ORGANIZATION HAS A RESPONSIBILITY TO REPORT ACCURATE INFORMATION TO THE CREDIT BUREAUS. GIVEN MY BELIEF THAT THESE LATE PAYMENTS ARE NOT REFLECTIVE OF MY PAYMENT HISTORY, I HEREBY REQUEST ENTIRE TRADELINE REMOVAL FROM MY CREDIT REPORT. 
THIS REQUEST IS MADE IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) AND RELATED REGULATIONS. I ALSO WANT TO BRING TO YOUR ATTENTION AN IMPORTANT MATTER REGARDING OUR ORIGINAL AGREEMENT. 
THE ARBITRATION CLAUSE WITHIN OUR AGREEMENT OUTLINES A MECHANISM FOR DISPUTE RESOLUTION THAT WE BOTH AGREED UPON. 
IT IS MY SINCERE HOPE THAT WE CAN RESOLVE THIS MATTER AMICABLY AND AVOID THE NECESSITY FOR ARBITRATION, WHICH COULD RESULT IN SUBSTANTIAL COSTS AND FEES FOR BOTH PARTIES. THEREFORE, I PROPOSE THE FOLLOWING OPTIONS FOR RESOLUTION : OPTION 1 : DELETE TRADELINE I KINDLY REQUEST THAT YOUR ORGANIZATION PROMPTLY REMOVE THE TRADELINE FROM MY CREDIT REPORT.

OPTION 2 : INITIATE ARBITRATION SHOULD YOUR ORGANIZATION PREFER NOT TO REMOVE THE LATE PAYMENTS, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. THIS PROCESS MAY ENTAIL SUBSTANTIAL COSTS AND FEES, INCLUDING MY FILING FEE, YOUR FILING FEE, ARBITRATION INITIATION FEE, AN ARBITRATOR DEPOSIT, AND ANY LEGAL COSTS INCURRED DURING THE ARBITRATION PROCESS. 
I FIRMLY BELIEVE THAT AN AMICABLE RESOLUTION IS IN THE BEST INTERESTS OF BOTH PARTIES. HOWEVER, I AM FULLY PREPARED TO PURSUE ARBITRATION SHOULD THAT BE NECESSARY TO UPHOLD MY RIGHTS AND ENSURE FAIR CREDIT REPORTING. 
PLEASE RESPOND TO THIS NOTICE WITHIN 21 DAYS TO CONFIRM YOUR WILLINGNESS TO REMOVE THE TRADELINE OR TO EXPRESS YOUR INTENT TO PROCEED WITH ARBITRATION. YOUR PROMPT RESPONSE IS APPRECIATED AND WILL HELP FACILITATE A TIMELY RESOLUTION TO THIS MATTER. 
THANK YOU FOR YOUR ATTENTION TO THIS ISSUE. I LOOK FORWARD TO YOUR RESPONSE AND THE POSSIBILITY OF RESOLVING THIS MATTER IN A MANNER THAT ENSURES FAIR AND ACCURATE CREDIT REPORTING. 
ALL FURTHER CORRESPONDENCE IS TO BE BY MAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Experian disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

Navy federal had a system problem. My account had about XXXX dollars in it the next day it said a negative balance when I called they put the money back but then when I moved my money my account was negative again leaving me to repay the balance and my account being close
Product: Credit card

In XXXX of 2023 I contacted BMO Harris Bank about a rewards issue with my credit card. When the representative answered my call she could not speak English or understand it very well and began to ask me security questions which I could not understand or answer and so she suspended my account to the point where I could not even close the account. I was sent an email stating I would have to go to a branch of which there is not XXXX within XXXX miles of my location or go and get notarized forms email it to them call and verify that they were emailed in order to do this all at my expense and time for which I don't think is reasonable since I did nothing wrong except wanted to have a rewards issue explained
Product: Debt collection

On XX/XX/2022 I went open to reviewing an apartment that I liked. As I walked in I felt something was off, the energy and customer service was a little rude. I felt uncomfortable and did not know how this tour would play out. So I took the tour and look around the apartment complex. I decided to give it some thought and told the agent I will be in touch if I decide to move forward. Well a week past by and I put in a application in, a week goes by, I hear nothing. No phone call, no email on my status of where I am at in the application process. So I decided to call and figure out whats going on. Well as soon as I called they informed me I was approved. Which was fishy, and odd from the first place. I had to call multiple times, and tried to get more I formation since the beginning. I felt discriminated and unwelcomed. So I spoke to the XXXX about the situation, nor did she help me, I decided to take my business somewhere else. I never got the keys to the apartment or anything. I was charged for a collection fee of an application fee and admin fee which I paid up front after the application process went thru- I had to call and find out if I was approved or not- I hereby the collection is false Information and provin to the fair cares act, they went behind my will to collect a debt that is misleading, false information, and fraud. I need to file a complaint for this action to take this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was recently hacked and criminals obtained sensitive information about my person, potentially including my name and past addresses, as well as my social security number. I had to find out about it through an online forum thread rather than any direct contact from the company. Equifaxes own website confirmed that I was most likely affected by this breach of cybersecurity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX  please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 claims was unfeasible. The CFPB 's findings indicate that Zelle not only has 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 serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

Ally bank closed my Account. I submitted a dispute For several charges that were fraudulent. Ally found that the charges were fraud and I had a positive balance of XXXX which I tried to transfer to my mortgage. When Ally knew I knew about the funds in my account they blocked all access to my account and provided new documents saying that the previous charges that were found to be fraudulent were now not fraudulent and stole the money that was due to me. 

Ally then refused to refund me for a dispute with XXXX XXXX  that they went back in collected money from XXXX and never returned to me they are extremely fraudulent and kept me from My bank records and information to hide their fraudulent activities. 

I spoke to their rep and she was like first your account was in the negative but now its positive and we dont want to give you your money. Then hung up on me
Product: Debt collection

I received a call from Hillcrest, Davidson and Associates, LLC on XX/XX/19 @ approx. XXXX my time. Calling me regarding a debt with an alarm company. 

I told them that this should not have been in my name and it was done by an ex girl friend. I advised ( I think XXXX ) that I need to call him back because I was headed to work. I called back because I had some questions at XXXX and I got a hold of an XXXX ( very rude ) manager.  Started yelling as I was asking questions, I was asking for verification of the account, and anything that had my signature on it. He told me he didn't care and he was going to place it on my credit. He then told me I had a choice file an fraud affidavit or pay them {$600.00} settlement today. I said I cant make that decision today, he again started to talk over me and then just hung up the phone. 

I filled an complaint with the XXXX XXXX XXXX in TX that night case # XXXX. 

I called back on XX/XX/19 to speak to the original person who called me and XXXX picked up the phone, I asked him could I talk to someone else because he hung up the phone on me last time, he said he doesn't care. 

I advised I was going to file an complaint with whoever governs collection bureaus he said he doesn't care, do what I need to do. 

I need documentation that proves I even owe this account. the amount they say I owe is around 1200. 

also my house already had the alarm in it they just became the monitoring part of it, they are trying to charge me for the equipment also. 

I have recordings of both phone calls, but your system wont let me upload voice calls.
Product: Credit card

Im filing this complaint in conjunction with with a complaint Ive already filed. ( Complaint ID XXXX. The first complaint was an account where I am an authorized user, but in full control of the payments. This complaint is coming from my personal account which is susceptible to the same tactics of fraud I experienced on the other account. My original complaint is in regard to a 0 % interest promotion that was nearing expiration on XX/XX/XXXX on a {$4800.00} charge that would have collected {$1500.00} in deferred interest had the window expired. I made a payment of {$450.00} toward the {$680.00} balance with intent to see how they allocated the payment. As i expected they split the payment and tried to send the funds to other charges to avoid paying off the promo expiring in one week. I confronted them and they admitted in writing that the system made a mistake, and they manually applied the funds to the promo and stated there would be a {$230.00} balance instead of the {$380.00} they tried to pass off. After the confirmation from them I immediately paid {$240.00} to clear the balance and forced them to tell me where they applied the funds and that the balance had been paid off. I have screenshots of the promotion being marked PAID OFF. 

I logged into the account of XX/XX/XXXX and noticed that the status of the promotion had changed from PAID OFF to EXPIRED with a {$3.00} balance. This means somebody reopened the account after it has been closed and tried to retroactively ensure that I got charged the deferred interest. I confronted customer service again with all of my evidence and they tried to gaslight me and say the balance was {$240.00} instead of the {$230.00} they already confirmed in writing. I have logs of every message sent and screenshots that they went back and decided to change their mind about what the balance was after the fact.

The reason Im filing another complaint from my account is because I have a large promotional balance on this account too and I expect them to use the same tactics to avoid me getting away with a 0 % promo on this account as well. This situation has traumatized me and completely destroyed my trust in this institution, and this is not an isolated incident. This is how their system is designed and most likely affecting thousands of people who arent paying attention. You can not go back and re open an account you already marked PAID OFF with written confirmation from representatives of everything that happened and all of a sudden make {$6.00} appear out of thin air. They breached the contract and they are doing it to other people as well.
Product: Credit card

I was unable to maintain a reservation with XXXX HOTEL in XXXX Florida due to an XXXX which would require emergency XXXX as soon as possible. The XXXX indicated that I should not fly before the procedure and that the procedure would need to be conducted under XXXX. 

I would like to also point out the following statement contained on the documentation supplied by the XXXX HOTEL : " Please note that this special rate requires a full pre-purchase, non-refundable deposit at the time of booking '' My monthly statement reflected a deposit in the amount of {$30.00} that was both credited and debited in the SAME DAY. However, the XXXX HOTEL instead charged the entire value of the booking. At no point during the booking process was it ever stated by the merchant that the entire booking was non-refundable. The {$490.00} amount charged to my AMEX account was the FULL COST OF THE BOOKING NOT A DEPOSIT!!!!! It appears that the XXXX HOTEL deceitfully credited back a deposit ( {$30.00} ) in an attempt to extort the value of the entire booking instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase 1 ) continues to report Other primary account holders as mine.

2 ) Continues to report credit cards that have been replaced by new issued credit cards as current, creating the appearance that I have more debt to income ratio..

3 ) Refuses to fix problem since XX/XX/XXXX 2017
Product: Mortgage

I am a homeowner who recently applied for a modification. XXXX lender ( Ditech LLC ) bought out my previous lender ( GreenTree LLC ) and while I was in the middle of that modification. Paper work was n't sent to me in a timely manner. I am in another modification process My income of {$1900.00} per month and my mortgage payment is {$860.00}. I am a single XXXX mother with a young child. I was divorced from her father, who an accountant with the XXXX. He passed away in XX/XX/XXXX but he and I were married when the home was purchased. He wanted her to have this home. It is her inheritance. We have been in the home since XX/XX/XXXX. We are struggling and would like a modification so we can live and have essentials and also make monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C. 1681, section 602.A states I have the right to privacy. 

15 U.S.C Section 604. A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Called home Depot credit on XXXX  XXXX and also called my bank and told them about {$130.00} withdrawal from a checking account. I talked to him. They said they can not find any record of me. I told him I was upset about them taking money. They're only supposed to take {$44.00} and I wanted to cancel your ACH permission and even give me the runaround last couple times I've been calling them now. My bank told me that they were going to put a stop on that and I see it went through. I am on social security right now and that's my only income and why they're taking XXXX out of my account is beyond me for a debt of a credit card to canceled. So basically this is Citibank taking money out of my account and I owe them money on other accounts but not home Depot so they thought they make my life a little difficult cuz I lost my job and due to XXXX and right now I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I can't work and also have to have both of XXXX XXXX XXXX. Right now I'm only drawing regular social security. I need to switch and get XXXX. I want to something to stop taking any more money out of my account. I can't afford that right now.
Product: Consumer Loan

what is the difference between a yearly interest rate and simple interest where in my contract does it state clearly i pay XXXX simple interest and am i paying that or 19 %? which am i paying daily XXXX or 19 %
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracies Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report as provided by the XXXX major credit bureaus : XXXX, Experian, and XXXX. It has come to my attention that my credit card account, which is in good standing with a perfect payment history, has been deleted from my credit report, effectively shortening my credit history. 

Details of the account are as follows : - **Account Number : ** XXXX - **Account Type : ** Revolving Account Opened XX/XX/XXXX - **Status : ** XXXX XX/XX/XXXX - **Payment History : ** No late payments, paid as agreed I have received multiple letters from all three bureaus requesting additional identification, despite having already provided all necessary information. This continual request for information is unnecessary as I have verified that my records are complete. 

The actions taken by the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) regarding willful non-compliance. As my credit report reflects, all three bureaus have acknowledged my account status as " OK, '' and there are no discrepancies in my payment history. 

I kindly request an immediate investigation into this matter and urge you to ensure that my account is accurately represented in my credit report. Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, CFPB PLEASE HAVE THIS ACCOUNT REINSTATED
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with I C System Inc. They did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to get my credit repaired and they did not do anything but take my money for six months Im not sure of the exact date but it was somewhere around XX/XX/XX/XX/2018