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

I have been challenging these entries and am now submitting a request for the deletion of the items listed in my file. The items requiring removal are specified in the report. I have suffered due to inaccurate credit report data and did not authorize the charges or accounts in question. I request that these items be deleted to correct my credit reports. I have also reported this issue to the Federal Trade Commission. Therefore, I ask that you promptly remove these items from my credit reports with your organization or provide me with the precise source of this information so I can take appropriate legal action. Please delete these items as soon as possible : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Balance Owed : {$2300.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have never lived in any state other than Michigan. 

I have never lived on XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo will withhold charges until you are low on balance to intentionally cause overdrafts to charge fees
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX ( XXXX ) that was done on XX/XX/year>. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit card

I was effected by a natural disaster in XXXX of XXXX  and byXXXX XXXX on XX/XX/year> I currently reside I XXXX, TX. I contacted Chase and asked for help with my account due to the natural disasters. I have two credit card accounts with one is an Amazon XXXX XXXX and the other is a Sapphire Visa card. After talking with the representative they told me that no payment was due on both accounts for the next billing cycles this was in XXXX when I made the initial call. After getting back into my home due to the tornado damage XXXX XXXX happened. I called once again to ask for natural disaster relief for both accounts and they once again helped with delaying my payments, this time until XXXX. In XXXX I began to receive calls and emails telling me that my account was late, I explained that there was no payment due until XXXX and there must be a mistake. The rep said the dept. that I need to speak with is closed and all she could due was to waive the late fee and she did this was on XXXX XXXX. I called back on Wednesday XXXX and spoke to the collections dept and various other depts. I also made a payment on my Amazon card. I was talking with them for XXXX minutes. The last person was ID XXXX XXXXXXXX he told me I see that you called and the employee did not fully submit the request and this is not a problem give me 2 days and it will be fixed. Chase called me and informed me that the 30 day late will stand and even tough they did not complete the process of sending the information to the correct department they are reporting me late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked inaccurate : Collection account from XXXX XXXX with account number # XXXX and a balance of {$4700.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. I never had a contract with this debt collector for any debt. Please delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please delete this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : 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

25+ calls from various numbers attempting to collect a debt that is under dispute as unauthorized account and transactions anyway. 
XXXX XXXX XXXX Comenity bank XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed on Zelle for {$1100.00} on XX/XX/2022 trying to purchase merchandise off a seller on XXXX  and I was told I can not be helped by XXXX because Zelle is third party and the funds are claimed I dont get how hard it is as Zelle is ELECTRONIC and should be traced. I had sent XXXX then increments of XXXX throughout the next days to 2 different Zelle emails the seller told me XXXX and XXXX. I was told I can only file a police report or deal with it between me and the person, but I dont know the seller. I dont understand how they can not track the money because it is all electronic. I have message proof of the seller scamming me and telling me to Zelle him.
Product: Credit reporting or other personal consumer reports

I demand that the following names and accounts immediately be deleted per 605B 15 USC 1681c2.My previous dispute was denied by Chexsystems for not submitting an identity theft report that is signed by a law enforcement officer. Chexsystems stated that the FCRA requires an identity theft report be signed by a law enforcement officer, when in fact it DOES NOT.The FCRA does NOT require a signature for an identity theft report. According to the FCRA, all that is required for a valid identity theft report is proof of the identity of the consumer, copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer. The FCRA further explains in 603 15 USC 1681a that the term identity theft report is defined as a report that alleges an identity theft, and that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agencyI provided ALL of the information and reports required by the FCRA to Chexsystems. My identity theft report was filed with the Federal Trade Commission and is 100 % valid according to the FCRA, and it is ILLEGAL for Chexsystems to continue reporting this information on my consumer report. They are in clear and direct violations of my rights as a consumer. Chexsystems must block the information no later than 4 business days after receipt of identity theft information.
Product: Money transfer, virtual currency, or money service

Im here to express my concern regarding Zelle handling disputes particularly because of the recent CFPB lawsuit highlighting great issues with the platform. Zelle failed to investigate my claims as they should after using numerous times and reporting. Saying recovering lost funds was impossible and tracking them were unfeasible. Leaving it to be open by scams and repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Checking or savings account

I have submitted a pervious complaint in regards to this matter, now on top of the XXXX they initially took, my account is now overdrawn by {$160.00}. I would like my account to be refunded the overdraft fees they have charged me. this is ridiculous. They continue to charge me overdraft fees, when they are the reason my account is overdraft. This is ridiculous. I am attaching the screenshots of my account to this complaint.
Product: Credit card

I have had a Barclays AA card for 16 years. My husband and I share the account but I am the only one that uses the card. Every time there is an issue with the card they need to speak to him, even though I am authorized user and have been assured that now they have that information and it will be noted. 6 weeks ago I noticed fraudulent activity on the account, I called immediately and they shut down the card and said they issued me a new card. That card never came and my online statement was never changed. I called a second time, they had no record of my previous call, went through the entire process again, waited for my card only to receive a card with the same number and security code. Seemed like a mistake since whomever frauded the card would have all the information. I call again, no they say use the card at which point I check on line and the people using the card fraudulently have beaten me to it. So I spend another 90 minutes going through all the charges and getting a new card issued and expedited shipment. Receive new card do not activate it bc I have no confidence left in Barclays the issuer of the card. Today got on the phone to pay my bill its due today gave them weeks to reconcile the numbers and I wanted to pay adjusted statement balance in full to avoid interest ... no one could help me I sent what I believe is proper amount to cover last months statements but have no confidence that I won't have interest. They wanted me to pay XXXX to avoid that when what I feel I owed after fraud was XXXX. The card is issued through Barclays and it is the AA Mastercard XXXX that accumulates Air travel points through XXXX XXXX ... consumer beware their customer service is awful.
Product: Debt collection

IQ DATA INTERNATIONAL ACCOUNT IS XXXX BALANCE IS {$5500.00} I REQUEST THIS ACCOUNT TO BE DELETED FROM XXXX AND XXXX. XXXX   ALREADY DELETED IT FROM CREDIT REPORT, I WANT PROFF OF THIS DEBT SENT TO ME. OR BE DELETED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed an account labeled " XXXX XXXX XXXX XXXX '' because it has incomplete information on my credit report. TransUnion has violated 15 U.S.C. 1681e ( b ) - my right to accuracy of information and 15 U.S.C. 1681i ( 5 ) ( a ) - deletion of inaccurate reporting. TransUnion has stated that this creditor information is verified, accurate and complete. However, the date of first delinquency is missing in my report.

FCRA law states that if an account is not accurate and complete, it must be removed upon request. This particular account was disputed as incomplete, but, the account was not removed. That is a violation of U.S.C. 1681i ( a ). TransUnion please promptly delete this account from my credit report.

You're hurting my credit worthiness and I need this account information to be removed.
Product: Debt collection

XX/XX/XXXX : I requested OmniPoint send me information regarding the debt Dear OmniPoint Management Solutions LLC, I hope this message finds you well. I am writing regarding the debt account associated with XXXX XXXX. 

Could you please provide a written letter detailing the proof of the debt, including the original creditor, the amount owed, and any applicable documentation? Additionally, I would appreciate receiving information about any settlement options that might be available. My address is listed below. 

Please note that a lump-sum payment is not a viable option for me at this time. I am open to discussing alternative arrangements that may work for both parties.

Thank you for your attention to this matter. I look forward to your response and the requested information. 

XX/XX/XXXX collector sent this : We have not heard from you regarding our previous offer, and we still have an opportunity to help you. We have payment arrangements and settlement options available to you. 

We understand that you are not able to pay the balance as requested in the letter. As we do not own this debt, we will not be able to keep your account in our office for any extended length of time. 

We ask that you follow up with us regarding how you wish to proceed or to discuss payment arrangements on your account.. If you have any questions or need further information from us, please do not hesitate to contact us by replying here or calling us at XXXX. 

XX/XX/XXXX, I replied with the same email as XX/XX/XXXX where I requested proof. 

XX/XX/XXXX : OmniPoint CC 's me in an email that includes the information of ANOTHER consumer that is not me. This email includes the user 's name, email, amount of debt, account/reference number, original creditor, and the email communication from that user to OmniPoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint to AMERICAN EXPRESS for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit card

A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.
Product: Credit reporting or other personal consumer reports

Planet Home Lending reports to the credit reports that my monthly mortgage payment is {$6300.00} while in effect it is only {$3100.00} for principal and interest. The reminder is for escrow payment. However this does not get explained to anyone else who sees my credit report and they pick up my minimum payment of {$6300.00} rather than XXXX. As such other lender ratio analysis doe not qualify me for credit. This needs to be changed so that only the {$3100.00} is being reported as a liability payment. This is incorrect. I effect Planet Home Lending reports a me having XXXX XXXXXXXX of liability to them, rather than XXXX XXXXXXXX.
Product: Credit card or prepaid card

Received prepaid gift card and attempted to set it up to use in XXXX but it failed and I gave up. Finally decided to try again in XXXX and got it authorized only to find out they where charging non use fees even though I could not use it. Their web site for filing a complaint kept giving a " page can't be found try again error ". A {$5.00} fee has been charged every month since.
Product: Debt collection

Galaxy XXXX I am sending a copy of the CFPB/OCC complaint I filed on XX/XX/23 against XXXX XXXX XXXXXXXX and XXXX XXXX Bank for an account owned by you or by XXXX. I tried resolving without formal complaints, but as you can see below and attached, XXXX XXXX did not feel the same way. As a heads up, I am sure this is not unique to me and a class action for such violations is in order, but as long as we reach an agreement I won't reach out to any consumer protection attorneys. 

I tried resolving your violations without involving the CFPB process, but as evidence by the response ( or I should say non-response ) from your representative today, it appears it will come to that. If necessary, I will utilize our court system to resolve the violations by your company. I could litigate these claims myself as I previously was collection manager of a creditors rights law firm and as part of my job I handled all complaints, threats of lawsuits for FDCPA violations and actual lawsuits received for alleged FDCPA violations. Not to mention by three years at XXXX XXXXXXXX where I was involved in oversight of our 50+ collection attorney firm network in XXXX XXXXXXXX XXXX XXXX XXXX But what is the point when an attorney will take the case for the attorney fees alone they would get on an open and shut case. Here is a summary of the violations and I encourage you to review the attachments. 

It is quite simple, your company was retained to collect a debt for who knows because of your deceptive, misleading and confusing tactics and identified incorrect current creditors in an act to try to deceive me into paying a debt. I received the following three letters. 
XX/XX/23 Letter o Initial Demand/Dunning Letter identifying the current creditor as Galaxy International Purchasing , LLC and the original creditor XXXX Bank XXXX XXXX XXXX with a XXXXr # XXXX XX/XX/23 Settlement Offer Letter o You list the current owner as XXXX Bank XXXX XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # XXXX o XXXX # XXXX Same as letter XXXX XX/XX/23 o You list the current owner as XXXX Bank XXXX XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # XXXX o XXXXXXXX # XXXX Same as letter XXXX and XXXX In addition to the items listed above you have another violation in the additional attached email I received on XX/XX/23. 
XX/XX/23 Email o Body of Email : You list the current owner as XXXX Bank, XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # 3 o SIF Letter : You list the current owner as XXXX Bank, XXXX XXXX and make no reference to Galaxy o XXXX # XXXX Same as letter 1, 2 and 3 Further this is now dual collection as another agency has sent me a dunning letter for the same debt days before this XXXX email. So you are collecting on an alleged debt at the same time as another agency. 

Desired Resolution : I am willing to accept forgiveness of the alleged debt and {$3000.00} to resolve the claims against your company. I can provide a settlement agreement I have used with other creditors and agencies or I am willing to use yours upon review.