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

My identity has been compromised while I was incarcerated and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX {$290.00}, ( 4 ) XXXX XXXX XXXX   {$250.00}
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. Its very unacceptable the accountability, Zelle did not take for this.
Product: Credit reporting or other personal consumer reports

While recently reviewing my Experian credit report, I noticed that there are some inaccuracies on my credit report that should be removed. I see that the accounts referenced in this complaint have late payments that are reporting negatively and are affecting my credit score. I have sent a debt validation letter to Experian back in XXXX asking them to provide me with the proper documentation for the listed accounts because they are not my accounts and are the result of identity theft and fraud. They have yet to provide me with this requested information and have since updated the accounts on my report in XXXX days as if the accounts are mine. Experian has falsely updated the listed accounts with late payments that are hurting my credit when in fact the accounts are not my accounts. Experian has failed to conduct the proper investigation on my dispute request therefore please remove the following accounts from my credit immediately : XXXX XXXX # XXXX {$5.00} XXXX XXXX XXXX # XXXX {$380.00} XXXX XXXX XXXX # XXXX {$150.00} All three of these accounts are not my accounts but are reporting late payments on my credit. I am a victim of identity theft, and these accounts were opened fraudulently therefore they should be removed immediately.
Product: Debt collection

XXXX XXXX added a debt to my credit report of {$440.00}. This debt was then given to a collection agency in which I am not in contract with nor was I informed that the debt would be sold off to a collection agency. I would wish to have this removed from my report as I had been unaware of this going to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO THE CFPB PLEASE MAKE SURE THE CREDIT BUREAU FINALLY ABIDES BY THE LAW My initial dispute 6 TO 7 WEEKS AGO was detailed and related to the account in question. A template response will not be an acceptable response. YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, resulting in several unauthorized accounts and credit inquiries appearing on my credit report. These accounts and inquiries were not authorized by me, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that they be blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries : Unauthorized Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} 2. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} 4. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 5. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} 6. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX o Inquiry Date : XX/XX/XXXX 3. XXXX XXXX o Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX 5. XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Credit card

I had an interest free loan with Synchrony Bank and when I went to site to pay XXXX statement I realized my account was closed. I called because it also had the total balance as payment due. I paid my XXXX bill XX/XX/XXXX and due date was XX/XX/XXXX. I explained that it was an accident. The agent said because I had another late payment in XXXX that I had to pay balance in full. I explained that I was not late in XXXX when I opened card in store the physical card and billing had a previous address so I never received statement. I was issued new card and addresd updated so fee was waived. 

I called Synchrony to discuss my bill today and after being forced into automated messages it finally transferred my call. After a message about wait time I was disconnected. Getting in touch with their customer service is nearly impossible and then their is a language barrier and little to no customer service.
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Vehicle loan or lease

I originally sent an email to the Nissan SCRA benefits department ( please see attached for accurate dates and accurate amounts of loan ) requesting the interest rate on my loan to be dropped from 9.12 % to 4-6 % per the SCRA benefits I qualified for under the SCRA LA Act and for it to be applied to both car loans I had with Nissan dating from XXXX. 
When I called to inquire about the benefits I was told that the old loan did not qualify for the benefits and no payment would be issued for the amount of interest I paid on that car loan. Which should have totaled over {$5000.00}, if not a substantial amount more ( not sure how the calculations are used ). 
I was also informed that the interest rate would be dropped, but that there would be no back payment made for the amount of 9.12 % interest that I made on the current car loan for the XXXX XXXX ( please see attached entire loan history for exact amounts and dates of payments and interest charged ) and that I only qualified for a {$490.00} ( approximate ) payment which Nissan would apply directly to my loan as a regular payment because in the past I requested a payment extension, and that if you do that it prevents Nissan from making a payment to the person with the account. 
When I called back because I did not understand, nor agree because I had done research on this and read the LA specific laws, it was explained to me that when I was a XXXX ( on the previous loan ) that the interest rate had been dropped from 13 % to 9.12 % once for my military service and since I opened a new car loan with them it did not apply for a back payment on the 9.12 % interest rate, and that XXXX owns Nissan and the state of LA does not qualify for this... I still do not understand what was explained to me as to why I did not qualify for the retroactive benefit, and why a larger payment was not issued directly to me in the amount that should have been the difference of interest I paid all the years I have in fact been on active duty for 9.12 % and 6 % they changed the loan to at the very end, which I paid off in full. 
It is clearly shown from the entire transaction history how much interest I was paying and when they made the adjustment in XXXX, but did not issue any payments to me for what is owed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy! 
Here is the item I am asking you to verify as accurate : XXXX : ( XXXX  XXXX ) ( XXXX ) ( XXXX  XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I signed up for a secured loan to help build my credit but they are not reporting my payment. They are taking my money but not showing I 've made my payments.  XXXX  and  XXXX  is still not posted.  XXXX  payment just posted a few weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporter Act XXXX  account Indigo XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Product: Mortgage

I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to discover inaccurate accounts on my credit report, and I have no clue how they got there. As part of my routine, I reviewed my report, only to find unexpected errors. I even tried refreshing the page, thinking it might be a technical issue, but the discrepancies didnt disappear. Im urging you to carefully review the documents Ive submitted so that I never have to deal with this kind of worry again.
Product: Bank account or service

I received a letter dated XXXX XXXXXX/XX/2015 notifying me that TD bank would start charging a monthly maintenance fee on my XXXX account starting XXXX XXXX, 2015. The letter was only dated 5 days prior to the start date, and the mail certainly arrived later.
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681c-2 A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error. I HAVE ATTACHED MY FTC REPORT # TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN FTC REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX Bankruptcy Reference # : XXXX Discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX have yet to provide me with their methods of Verification for a XXXX loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}.
Product: Student loan

I graduated from the University XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. My student loans ( all federal loans ) came due on XX/XX/XXXX. I was initially with XXXX XXXX XXXX. I was then transferred ( not by my request ) to XXXX loans from XX/XX/XXXX until XX/XX/XXXX when I was then transferred again to My Fed Loans due to being under the Public Service Forgiveness program. For two years now I have been in contact with My Fed Loans about receiving credit for all payments made XX/XX/XXXX-XX/XX/XXXX. I call every 3-4 months and I am still told that this payment information has not come over. I attempted to call XXXX myself but they are no longer in business. Therefore, I have no proof of 10 months worth of payments that would go towards my 120 qualifying payments. I desperately need proof of these payments in order to get my forgiveness in the correct time-frame rather than a year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They continue to tell me that the account shows as closed and noted my ba nkruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) states di fferently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
Product: Student loan

I have reached out to Navient on my student loan account about a month ago. I spoke with the customer service agent about how my account shows an original balance of {$10000.00}, but it also shows a previous balance of {$25000.00}. I have a copy of this information showing the conflict in information. I spoke to the agent and she stated that her and her XXXX was going to review my account and send me a detailed statement/breakdown of my account as well as the original promissory note for my review. I have yet to receive any information from Navient. I have been paying on this loan since 2010, and have made every payment on time. The agent also stated that I was in forbearance, which was untrue because this loan was never in forbearance. I also noticed on my account that Navient did not apply two payments to my principal but only to interest. Also, I don't understand how I keep getting notices for unpaid interest on my account. Also, I noticed that the payment amount differs every month. It shows every month what goes to principle and what goes to interest. This company is known for being untruthful about things regarding information on your account. Something really needs to be done about this company. I believe they are over charging customers and denying customers certain things to keep them bound in bondage to them. This is very an unscrupulous company.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 shIn 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.all 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.