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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX DATE - OPENED XX/XX/year> - BALANCE : {$140000.00} Account Name : XXXX XXXX - DATE OPENED XX/XX/year> - BALANCE : {$12000.00}
Product: Student loan

I have contacted this company with letters in order to have them verify and validate this loan they allegedly I owe and have know knowledge of.
Product: Money transfer, virtual currency, or money service

I am writing to express my problems regarding Zelles handling of disputes especially in the recent CFPB lawsuits highlighting all the issues with the company or services. Despite using Zelle many many times and reporting my problems my financial institution and Zelle failed examine and investigate my claimed correctly or at all. They explained that recovering any lost funds or messed up transactions were impossible and that tracking these transactions were unfeasible. The CFPBs findings and knowledge show that Zelle has neglected to protect consumers and company users but also has allowed repeat offenders to exploit and use the system, leaving me and others vulnerable to scams and any other problems. The lack of accountability and transparency is unacceptable/ wrong and raises serious concerns to me and others about consumer safety.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Debt Collection name : [ XXXX XXXX XXXX XXXX Debt Collection address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least XXXX days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. 
Also I attached XXXX registration of states the company can collect alleged debt. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

Controlled credit corporation has been calling my place of employment repeatedly times throughout the day. Until it is interfering in my job and I 'm at risk of losing my job. We are not allowed phone calls of cell phone use at work.
Product: Credit reporting or other personal consumer reports

I am writing to address several issues I have discovered with my credit report and to request immediate action to correct inaccuracies. Below, I outline my understanding based on various legal references and my specific requests.

1. **Loan Legality and Social Security Number Request** : - According to 12 USC 1431 , banks are considered borrowers themselves and therefore, should not be permitted to loan money.

- Per 42 USC 408, it is illegal to request my Social Security Number for any credit transaction or loan. This is compounded by the fact that HJR-192 suspended the gold clause, meaning there is no lawful money, only a means to discharge debt.

2. **Consumer Rights and Debt Discharge** : - Under 15 USC 1602 ( g ), consumers are recognized as creditors. UCC 3-104 details the nature and use of negotiable instruments.

- Additionally, 31 USC 5118 permits the discharge of all debts. A charge-off should be treated as a certificate of indebtedness and must be removed.

3. **Inaccurate Credit Reporting** : - It has come to my attention that my credit reports from XXXX, Equifax, and XXXX contain discrepancies and inaccuracies. Specifically, the information on these reports does not match across the agencies and includes incorrect data about my credit history. 
- Reporting transaction history that is not accurate is illegal under the Fair Credit Reporting Act ( FCRA ).

4. **Specific Requests** : - I kindly request that none of my credit card accounts be closed. Instead, they should be updated to reflect " Paid as agreed, never late. '' - All inaccuracies and discrepancies in my credit reports must be corrected immediately. This includes updating any accounts to accurately reflect my payment history and removing any incorrect or outdated information. 

I expect prompt action on these matters. Please confirm receipt of this letter and the steps that will be taken to rectify these issues. I trust that you will handle this request with the urgency it warrants. 

Thank you for your attention and cooperation. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a detailed dispute letter to Equifax certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX never send me verification that XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX [ never late ], XXXX, and XXXX, XXXX is reporting XXXX  please verify this account I never applied they do n't even do service in my area, it has been more than 60 days and the credit bureaus are not verifying accounts that does n't belong to me im going to take legal action.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX  XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00}
Product: Mortgage

Carrington Mortgage Loan # XXXX - This is the second time I have contacted you regarding Carrington 's business practices. You were successful on the first matter, thank you for that effort. I had serious financial matters earlier this year and my home went into foreclosure. I contacted Carrington and asked what I could do. We agreed that I would bring the account current. However the amount due would take XXXX5 days to pull together. I waited and was given a amount to pay to re-instate my loan. That amount was paid, and I begin to make my normal monthly payments of {$1300.00} in XXXX 2016. Since then my monthly amount due has been varying. I was informed when paying the back due amount their maybe a straggler fee coming in late. So when the first abnormal payment due I went ahead and paid it. The second time an abnormal amount was requested, 2 months after the reinstatement I called to inquire about what the charge was this time. The associate had to research it and came back and told me it was a title charge of some type, I paid that. Last night when attempting to get my 2016 tax information I noticed another additional charge, this is now going on almost 5 months since I settled and had the loan re-instated. An associatre again had to research it and came back and told me again it was a title charge of some type. I asked why I had been notified of the mysterious charges and explained what they were for, I got no explanation. I stated that this has to stop you ca n't just keep arbitrarily charging me more money with no explanation after almost 5 months. I asked why their phone system was stating my payment due was {$1300.00} and records on their on-line system were indicating {$1400.00} almost {$75.00} more than the normal payment. Charging a customer an arbitrary amount with NO explanation even after calling and speaking to them in person requesting an explanation and not getting an answer to me is below standard customer service. Practices like these open up serious possibilities for abuse.
Product: Debt collection

Dates of Calls : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 Transcripts : This is a phone call from Monterey Please return our call today XXXX, repeats. 
This message is for " My name '' is XXXX from Monterey this matter has been turned over for your lack of response to our calls and notices It is imperative that you call us to resolve this matter phone number is XXXX xt is XXXX. 

Description of medical product : This is for a necessary medical device that inserts a XXXX of sorts into my body that disperses XXXX. Both XXXX the supplier of this product and Monterey have called me about this matter, and sometimes Monterey calls in the morning and XXXX in the evening or vice versa. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Monterey Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Student loan

Dear Whom It May Concern, I attended XXXX XXXX XXXX XXXX XXXX ) from XXXX and was promised a high-paying salary to pay off my student loans after I graduated. I was never spoken to about how much I was borrowing, only handed a check at its full loan amount every 60 days. I came out of school with 6 figures in debt expected to be repaid within 6 months of graduation. I currently have over $ XXXX in just federal loans and I was not considered in the Navient forgiveness. My loans have caused me to never be able to buy a house, car or business loans. It has debilitated me to the fullest extent. I have applied for loan forgiveness only to be denied due to the greedy Department of Education heads that have allowed my loans to never be reduced by only paying the interest. I have had zero communication from all parties involved and left out to dry. I can not afford to pay my loans as they were fraudulently given to me without my direct knowledge and lack of experience being a XXXX XXXX XXXX kid at the time. 

I ask you to please consider XXXX as bad actors as there hundreds of us that have dealt with crushing debt our entire adult lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was speaking with this company about settling my debt. I provided them my card information and all and agreed to pay the debt for a lower amount. This company used my card without my permission and charged it for the entire amount of debt rather than the amount we agreed on settling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Noticed there hard inquiries I did not recognize on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charged-Off Account and Re-Reporting of Deleted Information under FCRA I am writing to formally dispute the reporting of a charged-off account associated with XXXX XXXX XXXX on my credit report. Additionally, I am raising concerns about XXXX repeated re-reporting of this account, which was previously agreed by the creditor to be permanently deleted. This letter serves as a demand for the immediate investigation and permanent correction or removal of this account pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 and relevant provisions regarding credit bureau obligations. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX : Equifax Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to consumer reporting agencies. Furthermore, FCRA 15 U.S.C. 1681i ( a ) obligates credit bureaus to conduct a reasonable investigation of disputes and to delete or correct any information that can not be verified as accurate. 

XXXX actions of re-reporting this account, despite the prior agreement for its permanent deletion, constitute a serious violation of the FCRA. Specifically : FCRA 15 U.S.C. 1681c ( f ) prohibits the reinsertion of deleted information unless the furnisher provides certification of accuracy, and the consumer is notified within five business days.

The repeated inclusion of deleted information undermines the integrity of my credit report and violates my rights as a consumer under federal law. 

In light of these violations, I am requesting the following immediate actions : The permanent deletion of the XXXX XXXX XXXX account from my credit file across all credit bureaus. 

Written confirmation that this account has been permanently removed and will not be re-reported in the future. 

Assurance that Equifax will implement proper measures to prevent the unauthorized reinsertion of deleted information.

Please be advised that failure to comply with the above requirements may subject the involved parties to liability for damages, including statutory damages, attorneys ' fees, and other legal remedies available under the FCRA. I request that you complete your investigation within the 30-day period provided by law and inform me of the resolution in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have request documents from the bureaus and I have not been responded the way I should be!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I reviewed my credit reports and noticed that there were inaccurate accounts listed. I have asked for the reporting agency to remove and then came back stating that the accounts were verified however the bureaus never sent me any documents showing how these reports were verified. After sending FTC reports I only received a letter stating it was updated. But no information on what was updated. I am asking over and over for this information but no one is sending me this as requested. I have contacted the creditors over the past 7 months and no response. The following credit cards are listed on my credit reports and are inaccurate and I am requesting that they be removed immediately. 

XXXX XXXX  {$10000.00} balance XXXX XXXX  {$15000.00} balance XXXX {$2000.00} balance XXXX {$0.00} balance Inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I purchased a XXXX and I found out that their is a lawsuit against Toyota for racial discrimination against XXXX people because they charge a higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. XXXX and XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please repair these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX17 I mailed a request to remove an unauthorized inquiry from my credit report to the company and they have failed to respond. I mailed the inquiry to the address in which they provided to the credit bureau that provided me with the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX
Product: Mortgage

I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to " research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday XX/XX/XXXX & Sunday XX/XX/XXXX, I attempted to log into the Experian credit reporting website. I changed my password so many times that now they are asking that I call them and give out sensitive information over the telephone. I tried to create new accounts with various emails ( XXXX, XXXX, XXXX, and XXXX ) and each time, I was told that an account already exists and that the username is XXXX. However, each time I tried to access my report or view my scores, I had to change my password, and right after I changed my password, and attempted to log in with the new password, I was LOCKED out and told that my brand new password was invalid. 

On Friday XX/XX/XXXX, I did have success and logged in to see my credit scores and found out that Experian had hit my scores with soft inquiries and lower my scores by XXXX points in 1 month. Soft hits do not impact the credit scores however, Experian did that! In XXXX my Experian score was XXXX on Friday, XX/XX/XXXX my Experian score was XXXX. 

I tried to dispute the address in my Experian file as reported that I have lived here since XXXX and I moved here in XX/XX/XXXX! 

The Experian credit reporting bureau is suffering some system wide hacking attacks and I am being victimized at this time!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally asking Credit Management LP to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave Credit Management LP permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian 2 months ago concerning accounts on my credit report that I didnt open. I filed an FTC report as well as a police report. They completed the dispute and blocked all the accounts in question due to Identity theft. Recently as of today, Experian put these accounts back on my credit report. I contacted them to report what was done and they gave me no help at all. All these accounts in question were removed due to Identity theft. Now these accounts have been placed back on my report. This is not only unusual but I think someone that works at Experian has a personal vendetta against me for some reason. I have recached out to Experian 5 times and no resolution. Please help me!!