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

Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 


3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 


4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Debt collection

XXXX XXXX repeatedly calls at XXXX and all throughout the day. I told them to stop.
Product: Mortgage

I was sold to apply for a Home Equity line by Chase, Applicatication number '' XXXX XXXX XXXX XXXX : XXXX XXXX ( NMLS XXXX ) on XXXX/XXXX/XXXX when inquiring about the HELOC product. Phone call was represented to be recorded. Upon completion initially my wife had some errors on her credit report and I was told that I would be approved with the application in just my name. I fully explained my divorce in XXXX and the short sale ( s ) /charge off that took place as result. I also explained that my circumstance met the XXXX XXXX guidelines for an extenuating circumstance in that my credit before and after the divorce liquidation required was perfect, and that I had obtained conventional XXXX XXXX financing in XXXX. I was told by the NMLS licensed Chase employee ( XXXX XXXX ) that I just needed to submit the same documentation ( letter of explanation and copy of my divorce decree ) I did for my first mortgage. On XXXX XXXX, XXXX I received a message from the XXXX XXXX XXXX XXXX ( NMLS XXXX ) stating my application had been denied due to the short sales. Upon calling I asked when the file was underwritten and I was told that it was underwritten the prior day on XXXX/XXXX/XXXX. I immediately asked how they were to come to a credit decision prior to reviewing the documents surrounding the divorce that were sent on XXXX/XXXX/XXXX. XXXX apologized and said she would have the documents resubmitted for another decision. This was done and they again denied the file, completely contrary to what was represented by the licensed NMLS representative XXXX XXXX. I was given a false approval on a recorded line after giving all of the exact details.
Product: Checking or savings account

A hackr ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) possibly them has been attacking by cybersercurity hacking to my phone on anything they can and will not let me put or continue with my creating an account without changing my information or just blocking the submit button.They are trying to steal my information location is XXXX.My number is ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX please contact me or send an agent they have been forwarding my calls and messages to thiersel es acting like me.tha k you
Product: Debt collection

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 institute 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 serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX, AND I AM A VICTIMOF IDENTITY THEFT SOMEONE BROKE INTO MY HEHICLE WHILE AT A COMNVENTION IN XXXX. THEY STOLE MY WALLET ALONG WITH PERSONAL INFORMATION MY ID AND SOC, I, IAL SECURITY CARD, INCLUDING MY LAPTOP. BECAUSE OF THIS CHILD SUPPORT IS TAKING MONEY OUT OF MY PAYROLL, I HAVE TAKEN CARE OF IT IN THE PAST, BUT CHILD SUPPORT IS REAPPEARING ON MY CREDIT FILE. I JUST HAPPENED TO HAVE A COPY OF MY ID AND SOCIAL. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME> XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX/XXXX XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/XXXX XXXX   XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX  XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX  OPRNRD : XX/XX/XXXX AMT. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : EQUIFAX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AUTOMOTIVE XXXX XX/XX/XXXX THIS PROBLEM HAS BEEN GOING ON SINCE XXXX, I NEVER CHECKED MY CREDIT REPORT.
Product: Debt collection

I am not sure how CMRE financial was able to grab a hold of my information.. 
CMRE have already sent me 2 letters with different amount balance each time. They have left me a voicemail stating that they are calling in behalf of XXXX XXXX of California, this is a fraudulent claim by CMRE. 

I do NOT owe any money to XXXX XXXX of California. I have contacted XXXX of California and confirmed that there is no existing amount due. My final payment was made in 2014. 


CMRE needs to be investigated because they are stealing innocent people money. 
Please help me get this fraudulent company CMRE off my back.
Product: Student loan

I am a lender with Nelnet, I have try calling them but they hardly pick up. I spend over 2.5 hrs. To no avail. It semsthere are some inconsistent information in my forbearance in which they say I don't have to pay anything until XX/XX/2024, but it is showing a bill for XXXX. Also, I applied to the teacher loan forgiveness and I have not hear anything from them. If my application has something wrong or not. They don't pick up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Yes I have an account for direct deposit with chime Bank I receive social security XXXX have for XXXX  years I already had the account open and have used the account have deposited money into the account and they rejected my social security payment from social security at chime Bank stating that the names didn't match on the account and from the social security office which is a lie. So now that has put me in a real hardship I might lose my place to live I have cats that need to eat food I have cigarettes that I need to get I have food I need to get I have bills that need to be paid tomorrow. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX Account Number : XXXX, CXXXX XXXX  Account Number : XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX Balance : {$12000.00} Please be advised you are in direct violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( e ) ( ii ) I have contacted and reached out to your company to no avail. This loan has completed the rehabilitation process DELETE this account now from all consumer reports
Product: Money transfer, virtual currency, or money service

paypal stole {$11000.00} in donations from me I have used the following donation links provided by paypal XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX this money was supposed to help my business survive during the corona pandemic all the sudden paypal did freeze the funds without any proper explanation. on the phone I was told I will get the money in 180 days. 
when I checked my account I saw paypal did WITHDRAW ALL FUNDS TO THEMSELVES. 
THIS IS ROBBERY! 
ALL DONORS ARE GOING TO FILE CRIMINAL CHARGES AGAINST PAYPAL AND I WILL JOIN A CLASS ACTION LAWSUIT IF I PAYPAL DOES NOT SEND MY FUNDS IMMEDIATELY!
Product: Checking or savings account

Last month, my phone and wallet were stolen and my account is now negative {$550.00}. I have been trying to recoup my money from Wells Fargo for over a month. I was told the claim would be resolved within 10 days and that a temporary credit would be issued if more time was needed. Over 10 days pass with no communication so I call Wells Fargo to find out they had denied my claim because my pin was used. I requested a reconsideration and waited 2 weeks without an update and just called this morning only to be told that the last rep never processed the reconsideration. The rep from this morning said my claim was not going to be reconsidered despite having a police report. The reasoning for my denial was that my pin was used therefore there was no fraud. When asked if any investigation was done regarding checking ATM cameras at the time of incident, the response was I can not provide you with that information. After demanding information, the rep told me that they can send a letter home in 30 days. This whole situation is completely unacceptable and it is clear Wells Fargo did not perform a proper investigation.
Product: Mortgage

I received a Report of Available Funds from a company called JFQ Lending , Inc. that looks very much like an official state document, with a file number linked to my state, urging me to respond by a deadline. The fine print notes this is an advertisement but the document will likely fool and defraud many consumers. This is deceptive advertising.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute.

1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to SETF/WOFC several times as well as to XXXX  and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, XXXX, and Experian To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

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

Account name XXXX Account number XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX Account number XXXX reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Product: Credit card or prepaid card

Capital one credit card company closed my account and refused to refund my deposit of {$1000.00} after calling for the year and telling them I never received the card but someone was using it they falsely reporting to my credit report for a year and still have not returned my deposit I sent a rescission of contract letter and demand my refund of {$1000.00} and demand {$1000.00} fee schedule for all false report damaging my credit and livelihood
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX {$300.00}, XXXX {$160.00}, XXXX {$7800.00}
Product: Debt collection

When I called GAT Gordon Aylsworth and Tami LLC I was told that they had a hold on my account prior to being able to cash a check that was taken out of my paycheck. Mind you the letter I received prior was back dated to XX/XX/XXXX and then mailed out on the XXXX. Per the last conversation I had last week they were waiting for the approval and then were going to stop the Garnishment. Called today because they took money out of my check. When I called today they said I had to make XXXX payment in order to stop the garnishment when I was told that I had to make XXXX payment in order for it to be Relinquished. All the while they had another payment taken and refuses to refund it. Saying it will be added to my account. So they want me to pay the XXXX along with the money they got off the first check of this month and are going to keep this other check. When she finally said they sent a letter XX/XX/XXXX to my work on stopping the collection. Again asked for a letter stating what was said today and the lady refused to give me a letter on what was discussed today. I had to have a friend record what was said because of her refusing. My work had yet received the letter so I called back with a fax number for them to send to my work. I also was told that it XXXX and then was told it was XXXX. As of to date they have taken over XXXX dollars for this debt. When they started it was over XXXX. It now has become over XXXX for XXXX credit card debt. Being told that they mailed me back in XXXX  regarding this but never received any notifications or calls regarding this matter. The lady basically said well if you got your mail you wouldn't be here now. This company is rude and have lack of respect for what they do. They still continue to add interest on this debt. They absolutely refuse to send me any letters regarding this matter. Is this just another lie that they are trying to cover? Or are they going to back date another letter and mail it a week later like they did to me?
Product: Student loan

Let me be clear, in your response you said, " Please note that this repayment term began XX/XX/XXXX and because you did not submit either the XXXX or XXXX payments, your account is currently XXXX days past due. '' However, you did not indicate the reason I am past due is because your customer service team failed to assist me, AND your executives turned a blind eye to my email ( which has never happened with another company, that alone speaks volumes and shows why Congress should investigate you ). I will agree to the two-year payment at {$310.00} ; however, I want to start my payments from XX/XX/XXXX with no back due amount since the company failed to assist me. Also, keep in mind I do plan on engaging the news media, I read an article on XXXX regarding your company around this same issue AND I do plan on reaching out to Congress, including XXXX XXXX.
Product: Credit card

I received the attached letter from Comenity/Kay XXXX regarding a credit card that was being opened in my name. I called XXXX to complain and to stop the credit application process. I spoke to XXXX and her supervisor. They wanted them to give me my personal information so they could access the application/account. I gave them the 15-digit number on the letter, but that was insufficient. They would do nothing for me so I disconnected.I then called my credit protection firm XXXX XXXX and spoke to XXXX and reported the fraud.