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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED A SLEW OF CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. IT APPEARS THAT SOMEONE HAS ATTEMPTED TO ACCESS A AUTO LOAN IN MY NAME. I HAVE NOT AUTHORIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  AND MORE TO REPORT TO MY PROFILE
Product: Bank account or service

My name XXXX dob XX/XX/XXXX had XXXX scam out of my account with Direct Express, I called and reported it within minutes of discovery, on XX/XX/XXXX.filled Out and returned paper work still no return of funds will be 4 weeks in 2 days, please help Me before I go broke.My Social security is put in this account, Direct Express has not meet Expectations.Thanks for any help. XXXX XX/XX/XXXX
Product: Checking or savings account

This issue happened on XX/XX/XXXX I deposited a payroll check via mobile deposit, the bank released {$300.00} ; the next day, Saturday I called the bank to check the status on releasing the remaining funds due to the holiday and I was told that the funds wouldnt be released that day but on Sunday a portion would be and on XX/XX/XXXX the remaining balance. Later on the night I received an email approx XXXX XXXX saying that I received a message and I needed to respond immediately ; I logged in just to find out that my account had been restricted. I talked to I believe every person in the department ; Once I realized what was happening I immediately explained that I had gone to a different institution and their hold time was two weeks out and I explained to CITI BANK, I was advised that they needed to speak to the payroll department to verify the issuer. After so many attempts I then finally get some one from out accounting team who could help ; the next representative I spoke to was able to connect to XXXX from our accounting to team to verify the information- once she got back to the line with me she asked was the number connected to a business I said Im sorry she asked again was it connected to a business I was like I gave you what I was provided and then I asked were you able to get the information? She then said yes and I told her that I was going to place her on hold so that I can contact the person.I reached her and merge the calls and let her know that the rep from the bank asked was the phone number connected to a bank and she placed us on a long hold with the music playing eventually I disconnected the call ( prior to her placing me on hold she advised that they couldnt release the funds ) basically insinuating that I was lying and there was fraudulent activity, at the point I felt racially profiled against and this isnt the first time that this bank has treated me differently I know for a fact because the last incident I had my XXXX  friend to call back and ask the same question and she was given information to whereas I was informed that they no longer participated in that banking product. Any way I feel humiliated not only because of that but because I received an emailed stating that I violated the bank policy and that is inaccurate as they violated me and my rights as a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

American Express has been holding mine ( and countless others ) direct deposits for days with no other information given other than " its a technical issue '' '' but " your money is safe ''. I've been told the problem started Friday, XX/XX/XXXX but no cardholders were notified. On Sunday XX/XX/XXXX my employer transferred my wages to them and as of today Tuesday XX/XX/XXXX I still do not have access to said monies. I did receive an email last evening stating they were aware of the problem and were working on it. I called the number given ( XXXX ) and was advised the funds will be released shortly and no later than 24 hours. As of now ( 24 hours later ) I still have none of this money in my account and now they are suggesting I wait ANOTHER 12 then inquire again. I am not alone and after finally acknowledging this issue via XXXX today, they are no longer updating any of us affected. I have called multiple times, spent hours on hold and have nothing to show but more late fees tacked on by my utility companies. The company is still giving us a run around with no end in sight. I have spoken to both the customer service department with Bluebird by American Express and at the holding bank ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, UT ) but all they can tell me is they see my funds being transferred but are unable to make these funds available until after their technical department has resolved a problem on their end. 

On Sunday ( XX/XX/XXXX ) at approximately XXXX funds were transferred from my employer to XXXX XXXX XXXX XXXX but not made available to me. 

On Monday ( XX/XX/XXXX ) at approximately XXXX I was made aware of a problem via email with no other information. I called the phone number given immediately and spoke to a regular agent as well as their supervisor " XXXX ''. Both parties advised me the problem would be resolved within 12-24 hours.

On Tuesday afternoon with still no funds available a statement was made from American Express via XXXX acknowledging this problem only. I again called the support line ( XXXX ) and spoke with 2 more agents for Amex. Both the agent ( XXXX, employee # XXXX ) and next level Supervisor ( XXXX, employee # XXXX ) told me there are no new updates and to wait another 12 hours. They were able to confirm said funds were being held by XXXX XXXX XXXX XXXX in UT but nothing else. I then called the bank directly but all they could tell me was this has been an ongoing problem since Friday and they are working on resolving it. 

As of this moment I have no other information and/or idea when my wages will be paid to me. I am incurring multiple late fees for being unable to pay my living expenses and as of today I will have to go without much needed medication. I'd just like my money to be made available to me so I can withdraw them and cancel all further business with this company.
Product: Mortgage

Nationstar Mortgage LLC has not sent me Loan Statements for XXXX loans I have with them on XXXX rental properties for since XXXX, 2012. I am in Chapter XXXX Bankruptcy to modify these loans. The modification plan was approved by the Court in XXXX 2012. I have no idea if they have modified these loans, what my payments are ( I guess at what they are by what the P & I payment is supposed to be plus what the Escrow amounts are ). They say their policy is not to send out any statements while in Bankruptcy, but I ca n't be released from Bankruptcy until I can show the Court they have complied with the approved Plan. This is costing me money as well as my Credit. Numerous calls to them have them telling that they ca n't send me anything. Even a Letter from my lawyer in XXXX of this year has been ignored. How can I force them to send me a statement? I thought it was the Law to send out statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). 
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC XXXX, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of XXXX : XXXX Copy of DL Copy of Address Copy of FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX*** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account : XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the ongoing issues related to the correction of late-opened accounts under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my accounts remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : 1. A thorough investigation into the repeated failures to resolve my issue.

2. Clear communication regarding the steps that will be taken to correct the accounts.

3. A timeline for when I can expect this issue to be fully resolved.

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 concern regarding Zelles handling of disputes, in light of the recent CFPB lawsuit stating significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( BOA ) and Zelle failed to investigate adequately. I was informed that recovering lost funds would be impossible and are not able to track the funds. Per the CFPBs findings, Zelle not only has neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving us vulnerable to scams. This is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from XXXX, Experian and XXXX in regard to incorrect information on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that these company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that XXXX, Experian and XXXX be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Product: Student loan

I submitted more evidence to my School Misconduct Application on XX/XX/year> and most of my eligible private Signature Loans were placed on Administrative Forbearance. One of my Signature Loans was released from Administrative Forbearance and my Tuition Answer Loan was placed on Administrative Forbearance. See attached document Mohela incorrect loan forbearance. XXXX Signature Loan should be in Administrative Forbearance while XXXX Tuition Answer Loan should not according to XXXX response to a CFPB complaint I made XX/XX/year>. Their response stated my XXXX XXXX XXXX  was ineligible for loan forgiveness and forbearance due to the Holder Rule. See attachment CFPB Complaint Detail XXXX Holder Rule. This makes no sense to me and on top of attending a predatory scam school, my School Misconduct Application lies in the hands of a company that does not play by their own rules and is clearly mishandling my private loans. 

Mohela also responded to a CFPB complaint I submitted on XX/XX/year> regarding another School Misconduct Application denial citing the Holder Rule as the reason for denial when my newly submitted evidence in that application had nothing to do with my XXXX XXXX XXXX  or the Holder Rule. See Mohela Complaint Detail Response Mis-Addressing Holder Rule. How am I to trust them as a lender?? Mohela/XXXX have proven to be untrustworthy and negligent with the handling of my private loans.