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

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background XXXX that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

XXXX this account will not only help me move forward in my career but also alleviate some of the immense XXXX I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

After filing a complete with the CFPB on XX/XX/XXXX the loan from Flexpath Capital is still open after requesting for it to be closed. The last payment made on this account was XX/XX/XXXX. The company responded that the loan is being handled with a XXXX XXXX but is still open. This company XXXX XXXX XXXX XXXX was Dissolved on XX/XX/XXXX. Even after reposting the errors with the Credit Bureaus it would drop and reappear as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) [ CFPB Submission Address or Online Portal ] Re : Formal Notice of Dispute to TransUnion Improperly Reported Late Payments on Credit Report To Whom It May Concern, I am formally disputing the inaccurate late payment information reported by TransUnion on my consumer credit report. This dispute concerns the account listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I previously requested that TransUnion investigate these reported late payments. However, I have not received adequate documentation proving that these payments were actually late. Therefore, I am now requesting the following information regarding TransUnions previous investigation : 1. Documentation proving that the reported late payments were accurate.

2. Records of the individuals TransUnion contacted, including their business name, address, and phone number. 
XXXX. Proof of any communication between TransUnion and XXXX XXXX regarding this matter. 
XXXX. A copy of my updated consumer credit report reflecting any necessary corrections. 

If TransUnion is unable to provide the requested documentation within 15 days, I request that the account status be updated to reflect Paid/Never Late and that a copy of my corrected credit report be sent to me promptly.

Attached to this dispute are screenshots evidencing the incorrect late payment notations. Please review this matter urgently and respond within the requested timeframe. Failure to comply will result in further action, including a formal complaint to regulatory authorities. 

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

The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also XXXX XXXX XXXX and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a Hippa release form with XXXX XXXX XXXX nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and they are now very much aware of these Hippa violations, delete immediately.

4 collection accounts Total balance : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :
Product: Credit reporting or other personal consumer reports

I received a copy of my Credit Report and noticed a few accounts and inquires that do not belong to me. These accounts are included in my Identity Theft Report. I jave never heard of these companies nor established any business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX/west lake finance RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why it indicates collections when I thought it's all good. This is absurd! I've never made this to happen Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false! IT'S ALL DIFFERENT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are all the hard inquiries that I did not give permission to companies to run. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, PA 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 disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the transaction were unable to track. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system leaving user vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does Experian, XXXX and XXXX do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks XXXX~
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX  days since I sent my previous request for correction but you have clearly failed to take any actions.
Product: Checking or savings account

Wells Fargo Bank is refusing to distribute money from my late Mother 's checking accounts to my brother and myself as the legal executors and heirs to her estate. My mother died on XX/XX/XXXX in XXXX XXXX. The XXXX XXXX tax waiver for the inheritance tax was issued on XX/XX/XXXX. The balance of my Mother 's estate ( both real property and funds in Wells Fargo brokerage and IRA accounts ) have already been distributed. There are three checking accounts in my Mother 's name that I exercised power of attorney over to pay her bills. I approached my local branch Wells with the will, letters testamentary, trust and death  certificate ( Wells has had the death certificate and POA on file since XX/XX/XXXX- I 've given them five copies ) to request the remaining money in the account be distributed to my brother and my accounts and to close my late Mother 's accounts. Wells refused to do this based on their legal interpretation of the letters testamentary despite the fact that they have already distributed the bulk of the estate that was held in other Wells accounts. I was told by a Wells banker that : 1. my brother and I need to be in the same Wells branch at the same time to do this ( note : my brother lives in the XXXX and XXXX. ; I live in XXXX ), or b. the letters testamentary need to be resubmitted ( My brother and I would need to fly back to XXXX for this and incur added legal fees ) or c. Wait until my brother returns from the XXXX to XXXX in XX/XX/XXXX, fill out more forms, and be in different branches at the same time. Wells has refused to make their legal department available to me or my attorney and will not provide any letter or documentation regarding their arbitrary decision. The branch manager and the Wells dispute resolution team told me, " It 's a legal matter- it is out of our hands. '' Despite being a Wells Fargo customer for 37 years and ( along with my brother ) having multiple Wells accounts, we have had access to our money cut off by Wells Fargo Bank without any appeal or formal notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by Transunion, XXXX, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, Transunion, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number from XXXX XXXX XXXX XXXX XXXX Transunion XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Product: Credit reporting or other personal consumer reports

On my credit report ( s ) for the 3 main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( s ), charge-offs are considered income, and income can not be reported on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX   XXXX )
Product: Checking or savings account

A checking account was opened using my ssn with Bank of America on XX/XX/22. I am not a current customer of Bank of America. I started a claim with them today, XX/XX/22. 
I discovered this because a series of emails came to my personal email account, first starting with the confirm your email address email. I believe the fraudster accessed my email to do the email confirmation so they could receive a one time passcode. After this they submitted their request to open a checking account which I saw the email indicating this. Next, another email came in confirming the checking account was opened. After this the fraudster then opened an online/mobile banking account with Bank of America which I received an email confirmation for. Then, the fraudster updated their email with Bank of America bc I received another email stating this. I reset my personal email password after I saw these emails. The next day, XX/XX/22, I received another email from Bank of America asking me to confirm my email address again, Im guessing maybe they were trying to open another account. No further suspicious emails came in after XX/XX/22. I have since put a fraud alert with all 3 credit bureaus, put a freeze on and set a security alert with XXXX. The type of checking account with Bank of America was a XXXX XXXX bank account that Bank of America is running a promotion for where you can receive {$100.00} if you open one. I believe this is the driver for fraudulent account openings.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX 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: Credit card or prepaid card

Capital one has not sent my monthly statements. I spoke to XXXX a supervisor at capital one. He stated capital one has been experiencing delays due to the post office. I explained I have been randomly calling in to make payments but have not received a monthly statement thus far! The company refused to correct the fees and update my account. I feel that the company is intentionally exploiting card members financially during this pandemic. They overcharging the customer to get the member at a large monthly amounts through fees so the account will always owe more for a longer period of time and potentially can not every pay off the balance. It appears to be a scam or fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I first submitted my police report to Equifax on or around XX/XX/2017 regarding the items that were in question on the report and they have since then deleted the items one by one at a time. The only item that is remaining on my credit report is XXXX XXXX. Both XXXX and XXXX has deleted the items on the police report. I have sent in documents numerous times to Equifax including a FTC Identity theft report and a letter showing deletion of this account with XXXX XXXX being deleted from XXXX. The item in question was not reported to XXXX. I have sent Equifax copies of these documents via fax and mail. When I would call to check they would state they did not receive all of the paperwork that I am stating or that it was blurry. And I have certified mail receipts that they received my documents but they would say that they had not. I spoke with a supervisor by the name of XXXX whom I asked why is it that when I try to send my documents via fax or mail I'm having a problem with this particular company on regarding this account with them. This guy put me on hold for well over 30 min and still would not give me an answer on what I could do to actually make sure that my documents are not going unnoticed and we get to the bottom of this. He basically just sat on the phone as if he was not even listening to me and my situation was not of any concern to him
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX  haa been on my Transuion credit report since XXXX of 2007. Per the laws of credit reporting all collection items should automatically fall off whether it is paid or not after 7  years. These XXXX account has been on my credit report for 13 years I am demanding that both XXXX  accounts be deleted from off my Transuion union report. The account numbers are XXXX and XXXX. I have mailed them a copy of what i am attaching to this complaint
Product: Debt collection

Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX  bank ) and they continue to call my phone daily XXXX among other numbers they use.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I made an online payment of {$6000.00} to my credit card account on XX/XX/year>, and Capital One posted it to my account. They then reversed the payment on XX/XX/year> XXXX days later, which was the day after my credit card payment was due which resulted in a past due fee being charged for {$25.00}, interest charged for {$190.00} on XX/XX/XXXX, and interest charged for $ {$54.00} on XX/XX/XXXX. Since they reversed it after the day my payment was due there was no way for me to get a payment made prior to the due date to prevent the late fee and interest charges. I have never had a late fee or interest charges on this account. 

The information that was being shown on my online account was misleading and incorrect and prevented me from being able to avoid late fees and interest charges.