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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : CAPIT-************** Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My credit reports across all three bureaus are different ( experian, transunion, XXXX ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a bundle deal from XXXX XXXX XXXX for {$230.00} consisting of a computer processor and computer motherboard using my Bank of America Travel Rewards credit card. XXXX XXXX   shipped part of the purchase, the motherboard, but cancelled the processor, while still charging the full amount for the transaction. 

I first attempted to contact XXXX XXXX regarding this issue, but received no reply. I then attempted to dispute the transaction with Bank of America. After initially finding in my favor, Bank of America reversed their decision after a response from the merchant and charged me the full amount. Despite finding an issue with their review process, they closed the case and rejected an appeal. They have since refused to review this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has now violated my Federally Protected Consumer Rights to privacy and confidentiality under the USC 1681 15 USC 1681 SEC 602A 15 USC 1681 SEC 604A SEC 2 15 USC 1681 ( c ) SEC ( a ) ( 5 ) report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/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 reporting, credit repair services, or other personal consumer reports

I've contacted XXXXy & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information with Equifax and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.
Product: Checking or savings account

On XXXX I stopped in the XXXX XXXX  of TD bank to set up a trust account. They let me know that they can not set it up there and the corporate office needs to review and approve the documents. Its been over a month and I have followed up via email with the branch. XXXX and the branch manager XXXX XXXX have been on all the emails. They keep stating they havent heard back from corporate and we have no path to get this resolved at this point. Corporate also does not speak to me at all and when calling customer service, they tell me I need to go back to the branch, but the branch can not resolve.
Product: Mortgage

First and foremost, your automated system does not allow me to speak to a customer service agent. 
This is the third consecutive month that I received my monthly statement the day before the due date or a few days after the due date. The statement date on my current statement is XX/XX/2021. I'm pretty sure that the postal service does take 10 days to deliver this bill from XXXX XXXX, Colorado. 
I have been trying to avoid monthly late fees by asking my son to make my monthly payments via the computer. I literally received my statement today, XX/XX/2021, with a due date of XX/XX/2021. The payment processing address is XXXXXXXX XXXX XXXXXXXX, California. Please explain to me how my payment will make it from Florida to California on the day of the due date? I'm an XXXX  women trying to make my payments on time. The last thing I need is to be charged late fees or fall behing on payments.
Product: Credit reporting

Until XXXX of this year I had a XXXX branded XXXX XXXX card. In XXXX XXXX dropped XXXX XXXX as their card of choice and switched to XXXX XXXX. The change was purported to be transparent to card holders. When I checked my credit score and found that ( unfortunately ) the switch to the XXXX XXXX card resulted in a drop in my credit reporting from XXXX the prior month to XXXX. The reason shown for the drop was the number of open accounts shown by Experion dropped by XXXX, the XXXX card was shown as closed by Experion, and the XXXX card was not shown as an active account. There is absolutely no reason why my credit should be damaged by a business agreement between XXXX and XXXX. I contacted XXXX and was especially dissatisfied and concerned by the XXXX and indifferent attitude shown by the XXXX representative who answered my email query stating I would have to wait 2 months until XXXX started reporting my account. Please note I jealously value my credit and demand XXXX and XXXX immediately correct this error and my credit score.
Product: Debt collection

Please remove this collections account. Account has been paid as agreed/ paid in full. This collections account with pro collect is negatively impacting my credit report and now allowing me for approval for a home.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by a Private Investor named XXXX XXXX. The equivalent of 12.4 BTC ( XXXX GBP ) utilizing Kraken. I have done my own investigations and also found that the scammer used XXXX as a beneficiary of my cryptocurrencies.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX {$490.00}, XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX {$7200.00}, XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXXXXXX {$170.00}, XXXX XXXX XXXX XXXXXXXX {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached & XXXX needs to stop marking my complaints as duplicate because they are not duplicate complaints. If you see attached you will see the complaints are different notices
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Il XXXXXXXX XXXX XX/XX/year> Affirm , Inc . 
XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Account Removal or Late Payment Adjustment To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit report. This dispute is made pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Dispute of Account Reporting The reporting of this account contains inaccurate and misleading information. Specifically, it reflects a late payment that I believe to be either incorrect or unfairly damaging to my credit profile. This is a direct violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information.

15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information.

If the late payment reporting can not be verified as accurate or can not be proven to have been handled in compliance with all applicable regulations, I request the following : Immediate removal of the late payment entry.

If verification is not possible, removal of the entire account from my credit report.

2. Request for Investigation and Correction Affirm is obligated to investigate the accuracy of the information furnished under the FCRA. I request that you initiate a thorough investigation of this matter and provide confirmation of your findings. If this late payment entry is verified as inaccurate or unverifiable, I expect it to be promptly corrected or removed.

3. Demand for Resolution To resolve this matter, I demand the following actions be taken within 30 days : Remove the late payment entry from my credit report.

If removal of the late payment is not possible, remove the account entirely from my credit report.

Provide a written confirmation of the actions taken to address this dispute.

Failure to address this matter may result in legal action to enforce my rights under federal law. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if this issue is not promptly resolved.
Product: Credit reporting or other personal consumer reports

i have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therfore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX  {$2700.00}. Please remove these inquiries. XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX, 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 XXXXXXXX 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate these records. I've proactively remembered this report for a past letter and I am including it once more. here are the list of Accounts that needs attention in my file : DEPTEDXXXX 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: Checking or savings account

Bank of America offered a promotion where if you opened a checking account ( new customer, not existing, which I was not at that time, nor was I previously within many years ) with at least a {$25.00} opening deposit and XXXX direct deposits within the first 60 days of at least {$250.00} each, they would credit the account with the {$100.00} bonus within 60 days of meeting that requirement. The bonus should have been deposited within 60 days of meeting the requirements ( opened account with {$25.00} deposit, {$250.00} direct deposits each deposited XX/XX/XXXX and XXXX on each date ) so the account opening bonus should have been deposited by XXXX. As of today, XX/XX/XXXX, it hasn't been. I contacted bank of America on XXXX spent an hour on the phone with them, they said they would investigate and get back to me with in a week. I did not hear back from them either by a voicemail message left, email on my account or email directly to me. I called again on the XXXX and after waiting for XXXX minutes on hold with no contact with a human being, had to end that call due to work. Today XX/XX/XXXX, I called and spoke with a representative who at first could not locate the offer but after searching for about XXXX minutes finally found it. She said notes on my account indicated this had been escalated. I asked to speak to her supervisor, which I was transferred to and spoke with a floor supervisor. I explained the situation and she said escalation could take XXXX  days to resolve. This is unacceptable because it is clear I met all the requirements. I have saved the link I applied for the account opening bonus. It still shows that I met all the requirements. I find it unacceptable when I have clearly met all the requirements that it will take them 60 days to " investigate ''. I believe it is false advertising and they are hoping people won't fight to try to get the account opening bonus if they delay long enough. I even asked the floor supervisor if she would be able to remove the {$4.00} monthly charges I've incurred from them as a good will gesture due to all the hours I've spent trying to resolve this which I have not been able to. She was not willing to do that. All she could say was " I can look into it ''. That is unacceptable. 

I feel I've been more than patient and that if I had not continuously followed up on this, I would not have gotten the {$100.00} advertised account opening bonus ( and still have not as of today ). This is unacceptable for Bank of America to treat me like this and borders on false advertising and misleading and deceptive practices. 

Please let me know how this will be resolved because Bank of America does not seem to consider this a high priority or be willing to resolve it at all.
Product: Debt collection

I am currently seeing a debt collection in my credit report that as clearly been there since XX/XX/2021. The original balance of {$550.00} which was further pushed to {$1000.00}. A cellphone is the main object of this matter and such phone was mailed back to phone company as I was instructed to. Therefore, I don't think I should be held accountable and I want such to be removed from my credit report IMMEDIATELY AND PERMANENTLY.
Product: Credit card

My claim is that US Bank has wrongfully auto debited my bank account every month for the past 15 years. For a credit card that i paid off in full or the credit card was charged fraudulently. The monthly charges are still presently being debited from my bank account. At this point I feel like I am at a dead end trying to figure out what occurred with this credit card situation.

I think two things could be possible : 1 ) This is bank error. I did have a US Bank credit card at one point. I paid off this credit card in full. However, US Bank did not properly close out the account and they continued to auto debit my bank account the minimum payment charges.

US Bank can not provide statements or have records going back that far.

2 ) Someone opened or charged credit card using my name and bank account. The reason I think this is possible is because US Bank has a po box address for me in their system and I have never had a po box address. US Bank told me that they have been mailing statements to me all these years to this po box address and all the statements were returned to them due to bad address. Another red flag is the date of birth they have in their system is not my date of birth. In their system they have a date of birth of XX/XX/XXXX and my date of birth is XX/XX/XXXX. In addition, US Bank does not have access to the application when this account was initially opened. Therefore, they dont have proof of who opened this account or when it was opened. They have mailed me letters ( attached ) stating this is not a situation of fraud but give no reason for how they determined this. US Bank has not been able to provide any information to prove that I opened this credit card.
Product: Payday loan

XXXX XXXX, XXXX XXXXTook out a payday loan with the Cash Factory out of XXXX XXXX. Due to medical reasons I was unable to pay back on the due date. Once I returned to work I spoke to a woman at the XXXX XXXX and worked out a payment arrangement. The arrangement was to divide the balance into XXXX payments of {$310.00} every other week. The complaint I have is during the call ( which I 'm positive was recorded ) I was told that I would be able to move a payment out if I was unable to make the payment. I was told that I needed to make a single payment in XX/XX/XXXX. I made the payment. The next payment was due on XX/XX/XXXX. When I called to move this payment out I was then told that I could n't move any payment except with in the month that it was due. So I was told that I had to make the XX/XX/XXXX payment and could move it to today XX/XX/XXXX and only that date. I moved it to today XX/XX/XXXX but rent was more important than that payment so I 'm unable to make the payment. I was told if I did n't make the payment they would be able to come after the whole amount at any time on any date which through the initial agreement will be on a Friday pay day because now they know my bi-weekly pay dates. 

I was lied too during the initial call about moving out a payment which became relevant during the subsequent call where she stated I could not move any payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has 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.