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

I've advised JP MORGAN BANK of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised JP MORGAN BANK that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private and excluded from consumer reports and I'm notifying JP MORGAN BANK to cease all their violations and remove the late payment reporting from all 3 credit reports
Product: Bank account or service

Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. 
But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!
Product: Credit reporting or other personal consumer reports

In accordance with the fair with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX has a nation wide banking error & is reporting business accounts to personal credit report in error. XXXX does not report business credit card accounts to personal credit unless it's delinquent. I talked to XXXX & they apologize for this error & said they would put in a request with the 3 major credit bureaus, Trans Union, XXXX XXXX XXXX for this account to be removed immediately. However, XXXX 's error is causing extreme XXXX on me because their banking reporting error caused my credit scores to drop 50+ points & I have an over 800 credit Fico score on all 3 bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year>2025 ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, XXXX didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with XXXX that every time I apply for credit, they pull from 2 bureaus both Trans Union & XXXX & I get 2 inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from XXXX 's system errors. Thank You
Product: Debt collection

For approximately 14 months, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been collecting a debt owed. The statement comes from the XXXX   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact Transworld Systems Inc ( TSI ) who is the actual holder of the debt collection. TSI informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact XXXX. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both XXXX and TSI said the other could provide.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

( XXXX ) XXXX is the number that calls and last contact person said his name was XXXX XXXX with National Credit XXXX. Caller starts off by saying his name then immediately asks for me to confirm my DOB, he does n't state he 's attempting to collect a debt. Before confirming any questions asked I again ask for his name and company info, which causes him to go into a rage saying he 's spoken to me before, that I owe money and he will not help me unless I confirm my DOB. He proceeds to tell me I 'm a dead beat and that the next call he will make will be to my employer. He has also called my parents house as well demanding my personal information.
Product: Credit card

Credit Card Ending in XXXX XXXX Office of the President XXXX XXXX XXXX, North Dakota, XXXX Dear Sir or Madam : I am writing to dispute fraudulent credit charges on my account on the date of XX/XX/2017 and XX/XX/2017. The amount is inaccurate because I did not authorize or make any of the credit card A.T.M. withdrawals on XX/XX/2017 and XX/XX/2017. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Of greatest concern are the following issues : 1. I received four letters declining my fraud report before I received a letter asking for a written statement. 
2. The credit card representative and fraud department could not explain the reasons for declination. One representative was confused over the acronyms used and could not explain what was happening with my account. Promises of return phone calls by XXXX did not happen. 
3. Three months went by before a fraud representative communicated that my actual debit card was used ( which is impossible since it was always in my possession in California ). Instead of investigating the situation, XXXX decided to instead decline the fraud and place the burden of proof on the consumer. 
Enclosed are copies of the fraudulent charges, information I used my debit card in XXXX XXXX on XX/XX/2017, letter my supervisor stating I was in XXXX XXXX California at work for the entire work day on XX/XX/2017 and XX/XX/2017, and a calendar of events supporting my position..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by XXXX points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit. I want the CFPB to publish this description on consumerfinance.gov so that
Product: Credit reporting or other personal consumer reports

I attached letter documents that show account and dates of the fraudulent accounts that are showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as reported on my credit file with both XXXX and Experian has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX XXXX  accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX  has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them. 
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

I called in XXXX to try to resolve the issue and still nobody resolved the issue we now in XXXX of XXXX  and it's still the same issue I sent documents they told me they see half of my documents they can't see my ID and all this other stuff and it's not making no sense because how many times can I submit the same documents do I submit my police report and still nobody fixed this a supervisor goes and tell me it was a error made from our end and I'm gon na fix it and then come to find out it was never fixed months later and every time I try to put in an application to we get replacements of credit cards that the laws the application get blocked due to the fact of XXXX not updating my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XXXX to the credit bureaus requesting that the XXXX  Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency is still reporting I have a balance for XXXX XXXX. I paid the account off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : Branch Banking and Trust now Truist Mortgage Company has failed on numerous occasions to report my on time mortgage payments to the National Credit Bureaus. BB & T has not reported my on time payments for XX/XX/XXXX for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the past year, the world has suffered as a result of a Global Pandemic. However, I have managed to pay my mortgage consistently on time. I am met with the utmost disrespect from this company. The corporate office is not interested in helping to resolve this matter instead they are comfortable passing along the problem to someone else. BB & T inability to act has impacted me negatively.
Product: Debt collection

I wrote to SYNDICATED OFFICE SYSTEMS about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation of debt that this was my account I never owed this debt with them. They have never sent me validation that I owe this debt.
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 demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I have multiple accounts on my credit report Ive disputed from someone stealing my information and getting credit card in my name
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 demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : AXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested that the late payments being reported on my account be updated. You have disregarded my request. I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER Late. If you can not provide proof you will be in violation of FCRA 15 USC 1681e ( b ) and I will reach out to my lawyer and will seek further action per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is notice that Equifax, XXXX and XXXX are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

I have been trying to access my funds for XXXX treatments over XXXX years. The first few times the representative stated they would call me back. They never did. My social security number and DOB is linked to my account and yet they will not reset my password with this information. They want a cell phone on record. My account predates cell phones
Product: Debt collection

After viewing my credit report I found out that a medical bill was sent to a collection company. The medical service was from XXXX and I was insured. They are a third party company and should not have access to my medical information. This is a HIPAA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report and noticed multiple inquires on my credit report. When I started to read and learn about the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 



XXXX XXXX  XXXX XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  XXXX  | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 



Letter to the furnisher have been sent as well asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 



Please correct