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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a collection reporting on my credit file by CONVERGENT OUTSOURCING that is not mine. I have contacted them and I was informed that they could not locate this. I verified with them all my personal information they requested and still no success in locating me. Im asking for help in removing this from my credit report. It was reported on XXXX and the amount is {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX XXXX XXXX  Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with Experian, XXXX, and XXXX but I have not gotten any results. I even tried to call Experian again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX I graduated from XXXX XXXX. 

In XX/XX/XXXX I took a permanent job with the XXXX of the XXXX, XXXX XXXX XXXX XXXX. 

In XXXX XXXX I consolidated my federal loans, entered into a income-based repayment plan, and enrolled in the Public Service Loan Forgiveness program. 

I have stayed permanently employed with the XXXX of the XXXX ever since and am still employed at XXXX. 

Every year I submit my employer certification, my taxes, and my income-based repayment plan recalculation. 

I have taken 15 months of deferments since XXXX. That means I have made 89 payments ( of my 120 payments ) since enrolling in the PSLF program. 

My loan has been sold a couple of times and FedLoan Servicing took it over in about XX/XX/XXXX. FedLoan Servicing now says that I have only made 68 qualifying payments and they do not have a record of payments made prior to XX/XX/XXXX. They are conducting an audit but told me they could not say when it would be completed and it may take 6 months or longer. My bank says that the only way they can pull bank statements that far back is if I pay a fee of {$35.00} per hour of research and {$5.00} per bank statement and that the research may be extensive because the records are on microfiche. 

I believe that FedLoan Servicing is not counting the qualifying payments I made between XXXX and XXXX and are shorting me by about 21 payments ( over {$10000.00} ) and that this will incorrectly extend my PSLF repayment period and may interfere with the ultimate forgiveness of my loans. 

Please help!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, which has resulted in multiple fraudulent accounts and unauthorized inquiries appearing on my Equifax credit report. 

The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition, Equifax is reporting the following accounts that I did not open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts and inquiries are severely damaging my credit, and I never authorized them. I have submitted an FTC Identity Theft Report ( Report Number : XXXX ) and request these unauthorized entries be corrected.
Product: Debt collection

Urgent Request for Assistance Regarding Debt I am writing to formally report the abusive practices I have been enduring from a debt collector, which I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ). As a XXXX woman living on a fixed income from Social Security, I XXXX XXXX in a vulnerable position, especially after being ill for the past XXXX years. 

Despite my health struggles, I have been subjected to relentless harassment from debt XXXX. I receive repeated phone calls that not only disrupt my daily life but also exacerbate my anxiety. Recently, a female representative came to my home today XX/XX/year>, claiming that I was being sued by Bank of America. This unexpected visit was not only intimidating but also left me feeling threatened and powerless for XXXX. 

I do not have the health or the financial means to contest these claims or to deal with the stress that this situation brings. I am reaching out to you in hopes that our government officials can intervene and put an end to this harassment. It is critical that the rights of consumers, especially those who are elderly and vulnerable, are protected from such predatory practices.

I urge you to take this matter seriously and to help ensure that debt collectors adhere to the laws designed to protect individuals like myself from undue stress and intimidation. Your assistance in addressing this issue and holding these creditors accountable would mean the world to me and many others facing similar circumstances. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and support.
Product: Bank account or service

Hello, I opened an account using XXXX and connected my Bank of America checking account information to my XXXX account. I had an item due to XXXX and XXXX attempted to withdraw those funds from my Bank of America account. The funds were not available and I was charged a NSF fee of {$35.00}. I then proceeded to pay my XXXX balance using a different account. The XXXX system is designed to continuously try and gain these funds from the same account daily until the fee is paid. On Bank of America 's side, these XXXX transactions appear to be continuous withdrawals. XXXX continued to charge my account XXXX XXXX different occasions and Bank of America continued to charge me NSF ( {$35.00} ) fees each time XXXX attempted to collect these funds. I have documentation from XXXX addressing Bank of America of these reoccurring charges and requesting that the {$430.00} in NSF fees be removed from my account. XXXX and Bank of America have been unfair, deceptive and abusive. I demand that Bank of America remove the outstanding balance of {$430.00} for NSF charges that I did not approve by XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX charged my account XXXX charges of {$35.00} on XX/XX/year> ( the amount due was XXXX on XX/XX/XXXX ) then charged me the {$380.00} on XX/XX/year>. I have sent several requests via email to have an explanation for the charges with NO response othe than to call. XXXX used I want all conversation to be held in writing and they refuse to communicate in writing for my proof. My emails I sent were originally incorrect in the amounts, but would have been cleared up if I had any kind of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted the company to remove and investigate - They have not done either -
Product: Mortgage

Case number : XXXX : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX Reply | To : Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; ; Tue XXXX/XXXX/2016 XXXX XXXX Good afternoon and now we have yet ANOTHER challenge in regard to the OCWEN error regarding the amount they WANTED as owed as to the amount they settled on a month ago. 
SO, I received all documents stating that the actual amount to be paid into ESCROW was still $ XXXX and, I 've already paid in {$1000.00} of it as they gave me NO OPTION FOR AN INCREASED PAYMENT for a year possibly, but we are taking care of it so by the time in XXXX the taxes are due again, the money will be paid in. AS OF THIS PAAST WEEKEND, I received a communication stating they noticed I was having a difficult time paying my mortgage and I HAVE NOT YET EVER MISSED A PAYMENT. Yesterday, I received XXXX notices of DEFAULT and STILL have not missed a payment as I continued paying the amount of the regular house payment owed as specified UNTIL THE ISSUE BECAME RESOLVED. THIS was my obligation until they resolved the error they had made. 
I do not want to be in fear of losing my home after all these years because of a mistake I DID NOT MAKE and Ocwen can not resolve. They did, as I said, give me an amount that was outstanding after they made all their adjustments from the near $ 30K originally stated and the approximately {$3400.00} that they are looking to be paid in however, no effort was made to contact ME since it was their error to have me perhaps pay in monthly as there was incidents where they have done that in the past if the amount was short for whatever reason. 
I have also contacted the Ombudsman office at Ocwen about the resolve and what I consider to be another gesture IN ERROR on their part since not many people can just " find '' {$3400.00} to plunk down for a mistake they did not make. 
Thanks again for your assistance and here is my account number with OCWEN XXXX. 
Money is, like I stated, being paid down from the $ XXXX they stated was the amount and {$1000.00} is already sent in and processed toward the total. Next amount would go to them on or near XXXX/XXXX/2016 and then the balance in a similar frame when income tax money arrives from tax return processing. 
Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute for inaccuracies in my report, they reporting late payments on accounts named XXXX and XXXX XXXX. They removed one of the lates. However this is inaccuracies and against the law to be reporting what is considered an exclusion in the transaction, the lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, for four months I have been attempting to access my completed disputes. All they say is we are sorry you can't access the information and I'll transfer you from dispute resolution to customer service and then it is back and forth. apparently they have been working on their system for months.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. I have consistently made all payments on time, as this account has been enrolled in autopay. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require maximum accuracy in credit reporting and timely correction of errors.

This reporting may also violate the Truth in Lending Act ( TILA ), as it misrepresents my payment obligations.

Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment from XX/XX/XXXX. I also request confirmation of the corrected information in writing within 30 days of receiving this dispute. 
Attached, you will find supporting documentation demonstrating timely payments, including bank statements and autopay confirmations. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal has sent my information to XXXX XXXX XXXX for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX of XXXX which is false and illegal.
Product: Credit reporting or other personal consumer reports

Amex reported to XXXX that I had a high utilization it dropped my score. My score was a XXXX the innaccurate report dropped my score XXXX points. I clearly paid off the balance to XXXX XXXX and it still dropped my score I got an alert from XXXX stating that I had high utilization when the balance is again {$0.00} and dropping my score. This needs to be updated and corrected placing those lost points back on. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB complaint XXXX XXXX XXXX  was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX  another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts. While checking my credit report, I noticed accounts, I did not authorize were made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I also found fraudulent addresses, inquiries, and collections. 
XXXX XXXX! 
XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FROUDULENT ACCOUNTS! 
XXXX Balance : {$210.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX Balance : {$1100.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX XXXX Balance : {$340.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$420.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving FROUDULENT AUTO LOANS! 
XXXX XXXX Balance : {$19000.00} Balance updated : XX/XX/XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment FROUDULENT COLLECTION! 
XXXX XXXX XXXX Balance : {$360.00} Balance updated : XXXX XXXX, XXXX Original balance : {$360.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 6TH REQUEST FOR REMOVAL OF THE FRAUDULENT INQUIRIES SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a debt collection notification from XXXX XXXX XXXX in the mail, asking for an amount of {$17000.00}. The address was mine, but the addressee was a company called XXXX XXXX XXXX XXXX, which I have never heard of until today. I have not made contact with them, as I have no trust that XXXX is a legitimate debt collector, instead choosing to immediately file this complaint so the matter can be investigated properly.
Product: Prepaid card

Unable to use American Express Gift Card - all transactions are declined regardless of amount and merchant. The card has sufficient balance to cover the transacted amounts in full. American Express website verified the card is active and the balance amount.
Product: Credit reporting or other personal consumer reports

I noticed wrong information on my credit report for XXXX and XXXX. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

Memorandum For Record : Settled Charge off Account without an issuance of a 1099C. 
Requesting a 1099C on the accounts listed below. This is a follow-up to the letter I received about the charge-off accounts listed below That I never received a 1099C ACCOUNT NAME : CAPITAL ONE ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Santander made loans to myself as well s other car buyers while knowing that myself and the other borrowers were probably not able to afford the loans. A press release from the Delaware Department of Justice indicated that Santander had predicted a high default rate and that many applicants stated incorrect or exaggerated incomes.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. US BKPT CT XXXX XXXX XXXX - Ref No.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.