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

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Also Known As : XXXX, XXXX, XXXX Also XXXX As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Former XXXX XXXX XXXX XXXX Previous Address XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address XXXX es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address XXXX es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX
Product: Credit card

This letter serves as formal notification that Regions Financial Corporation has failed to respond to the attached XX/XX/year> demand letter. The letter outlined technical and procedural failures surrounding my Regions XXXX XXXX account ending in * XXXX, including account corruption, hidden recurring payments, and unauthorized fees. 

The letter issued a deadline of XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year>. Not one official response was received from Regions Bank corporate or XXXX staff. The only communication received was from XXXX XXXX, Branch Manager of the XXXX XXXX branch in XXXX, who acknowledged that he forwarded my email as requested and received no further instruction. 

As of this filing : My account access remains corrupted. 

Recurring autopayments are still not visible or controllable. 

The mobile app still blocks external account payments. 

The bank refuses to provide a system reset or clean login. 

No fees or interest have been reversed despite admitting fault. 

My ability to manage my account like other customers remains blocked. 

Attached is the original XX/XX/year> Demand Letter, which outlined the issues in full. All supporting documents referenced in that letter, including a screenshot timeline, internal email summary, and draft press release, remain prepared for public release should the CFPB require them. 

I respectfully request that the CFPB pursue investigation and enforcement against Regions Financial Corporation for systemic technological negligence and failure to comply with basic billing, disclosure, and account servicing standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter off on XX/XX/2022 tracking number XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that iI don't want on my credit report, According to the fair credit reporting act 12 USC 1681 I have the right to privacy and also according to 15 USC 6802 No financial Institution is not suppose to share my information to third parties These are clear Violations of my Federally Protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mixed up my information with my sisters who lives in  XXXX   XXXX . I 'm a client at  XXXX   XXXX  #  XXXX , they have worked with equifax to correct the problem. My sisters name is  XXXX   XXXX , she was married with the name of  XXXX . My name is  XXXX   XXXX , that is my maiden name, I have never been married and I have never lived in  XXXX . I have always been a   XXXX   resident. Although I faxed equifax my birth certificate and social security number and state license, the current address on my report is a  XXXX  address which I informed them was not mine but my sisters. They refused to correct this and have allocated my information to my sisters file. Her house, car, loans, children 's car loans were put on my file even though she has a different ss number and dob. All of my legal documents and business accounts are in my legal name which is  XXXX   XXXX  I 've been dealing with this for over 6 months, and could not apply for a mortgage as this information is incorrectly reported by equifax. Please help me I 'm not rich enough for further lawyers and fees.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regrading zelles handline 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 invetigate 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 protext 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid XXXX the XXXXXXXX XXXX XXXXXXXX were closed in my area there was no way to make my loan payment. I didn't have access to their online service. The customers services lines were down at XXXX XXXX  for a few weeks during this time. Once the bank opened I made my payments and the branch manager said she would address the problem and have the late payment removed. I found out when I applied for a line of credit in XXXX that the negative payment was still on my report. I was instructed to write a letter to the main branch XXXX east XXXX in XXXX XXXX XXXXXXXX this was XX/XX/XXXX, again I was told it will be taken care of. Still no results my credit is still impacted with a low score on Experian reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX and XXXX in fact what these credit rules are doing is very illegal collections on my record under the fair credit Im not getting treated fair
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved, I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. you must Cease XXXX efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 
I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I overdrafted an account, XXXX, with Trustmark National Bank. The ovwrdrafted amount was aprox XXXX dollars. Truatmark aprox. One year later relayed the debt to lawyer, XXXX XXXX. I was sued and the judge awarded in Trustmark National Bank 's favor. XXXX attempted to seize funds from a new account I opened at XXXX XXXX XXXX. XXXX XXXX  did Not authorize the transaction, so the XXXX account was in deficit for days, and then the transaction was revoked and my account went back to normal. Trustmark Bank 's lawyer, XXXX XXXX, still had not received payment. I told her, XXXX, to stop calling my phone number, she was very rude. 
Fast forward from XXXX to XXXX, I check my credit report on XX/XX/XXXX, and Truatmark National Bank has posted a credit inquiry that i DID NOT authorize. I called Trustmark 's 1800 number I was then directed to a XXXX XXXX. I contacted her, leaving voice mail until I received a call back on, XX/XX/XXXX. XXXX XXXX ( XXXX ) asked for my personal info, and after that she directed me to a, XXXX XXXX within Trustmark 's XXXX. XXXX XXXX told me on XX/XX/XXXX that I needed to call XXXX XXXX, in reference to my past due debt. 
XXXX stated that Trustmark can do credit inquiries any time as a stipulation of my debt. I was also told by XXXX that the only way to remove this inquiry was to contact XXXX XXXX. I asked XXXX why wasn't this debt charged to a collection agency and listed, as such, in my credit report. I was told again to contact XXXX XXXX, Trustmark 's lawyer Essentially I have a past debt with Trustmark National Bank. I have verbally stated to not be contacted, I have told lawyer not to call my phone. Each time u speak with a creditor it re-initiates the process of debt, Trustmark National Bank is performing unauthorized credit inquiries using my name and information.
Product: Debt collection

To Whom It May Concern : I am in the process of trying to purchase my first home and requested that my mortgage lender pull my credit reports. She advised me that I had a medical collection from Ability Recovery in the amount of {$1900.00} that needed to be resolved to move forward with the loan, as it had greatly impacted my credit scores. 

First, I am unaware as to what the collection would be for as I do not recall visiting an emergency room or clinic in the past several years. 

Second, I did some research and found that in XX/XX/XXXX, the XXXX major bureaus made policy changes on how and when a medical collection could be added to credit reports. The first phase was that medical debts would no longer be used to calculate certain scores. 

The second phase happened in XX/XX/XXXX, in which they stipulated that a medical collection over {$500.00} CAN NOT be added to a report without first alerting the consumer that 1 ) There is a debt owed, and 2 ) Providing them a full year to pay it. 

I have attached a screenshot of the collection on my reports and the date " Date Opened '' is XX/XX/XXXX. To my knowledge, the " Date Opened '' date is when the company receives the debt in their office and starts collection procedures. 

If this is correct, then Ability Recovery has not only erroneously placed a collection on my reports that is not mine, but they did not attempt to contact me about it, nor provide the 365 days required by the bureaus to pay it. 

I am therefore demanding that the collection is IMMEDIATELY removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet a year ago and now someone opened a XXXX  account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.
Product: Debt collection

I intially opened up a " '' Guitar Center '' ' store credit card and purchaed a few items such as Microphones and Recording gear for my hime studio. 

What has been so extremely frustrated is and it has been a rather lwngthy time ago 9-12+ months for example. 

I called the XXXX or XXXX dumber and paid the full remaining bance ( incuding a applicable late fees ). 

I called them directly and mentioned I 'd like to pay off the remaining balance in full. Something like $ XXXX- {$450.00} perhaps in the middle. 

The rep reassured me everything has been handled and I now have a {$0.00} bance which was the purlose of calling to settle it. 

The gentlemen confirmed you have paid the balance in full. I even asked him 3 times. 

At its its root the problem is, is they still say I owe a balance and havent purchased anything, yet I keel getting bills. 

If they could simply pull the date of my final payment and physically pull the call ( essentially mayching final payment with the date ). It will clearly show firsthand that the rep said I was now paid in full! 

I need this to be removed from my report, not that it was late, which it was, but the balance had and has been paid XXXX % in full as the balance commensurate the orecise date I caled in and paid them would reflect that. 

I need this off my report and my # XXXX ... please pull the callor at minimum look at the last amount/date of final payment whuch I called in and provided my debit card over them phone will reflect the conversation on that date. Id enckurage you to listen to the call .thanks, XXXX
Product: Credit card or prepaid card

Made a purchase from Amazon XXXX XX/XX/18 for $ XXXX..Chase Bank..Fax # XXXX.Product arrived missing a part and tried to work with amazon just for the part ... after days of written correspondence with amazon staff that could hardly speak English.. ( I have Copys of Everything ) it was determined I Had to return the whole Product ... Which I did and Amazon confirmed..Amazon said it would have to conduct an investigation . after delay after delay, I called Chase and the Staff recommended I file a Dispute Immediately..Which I did. Soon after Amazon confirmed receipt of the return and issued a refund.My Chase account Balance returned to {$0.00}. Reflected in 2 statements.A month or 2 went buy and I got a Statement with A balance of {$160.00}. When I called Chase ... They said Amazon Had re posted the {$140.00} now {$160.00} charge noting they had not received the return ... This was Amazons ONLY argument.I let Chase Know I had my XXXX Tracking Data an Confirmation and receipt dated XX/XX/18 which I promptly faxed to Chase and they confirmed Receipt. After being passed around for Days by Chase..I get a letter saying they Had Sided with Amazon. After more wasted Phone calls to Chase..So after almost half a YEAR ... .Here I am.
Product: Credit reporting or other personal consumer reports

I had credit cards with Capital One and JP Morgan/Chase back in XXXX  and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my FICO score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.
Product: Mortgage

I am in a loan modification program with Ocwen, Phh Mortgage. I made my first payment in XX/XX/2019. I tried to make my second scheduled payment on XX/XX/2019, and the automated system informed me that money can not be accepted on my account. I have no idea why that would happen. Now I am behind a month in the loan modification, because the automated system would not allow me to pay. I couldn't speak with anyone because the office was closed.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Bureau Violation of XXXX XXXX  XXXX XXXX XXXX on Medical Debt Reporting To Whom It May Concern, I am filing this complaint against Experian, Equifax and Transunion for their failure to comply with XXXX XXXX  XXXX XXXX XXXX, signed into law by the Governor of XXXX XXXX This law explicitly prohibits credit bureaus from including medical debt on credit reports for XXXX XXXX residents. Despite this clear legal mandate, XXXX has improperly included medical debt in my credit report, negatively impacting my credit standing. 

I have attempted to resolve this issue by disputing the inaccurate reporting directly with Experian, Equifax and Transunion, but they have failed to remove the medical debt from my report as required by Senate Bill S4907A. This constitutes a clear violation of my consumer rights under New York XXXX law. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary steps to ensure that Transunion, Experian and Equifax complies with Senate Bill S4907A by promptly removing all medical debt from my credit report. Additionally, I seek confirmation that my rights under this law will be upheld in the future. 

I appreciate your prompt attention to this issue and look forward to your response. Please let me know if you require any further information.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account XXXX XXXX XXXXXX/XX/XXXX in the amount of {$720.00}, XXXX XXXX XXXXXX/XX/XXXX in the amount of {$530.00}, XXXX XXXX XXXX  XX/XX/XXXX in the amount {$1600.00}, XXXX XXXX XX/XX/XXXX in the amount of {$430.00}. XXXX XX/XX/XXXX in the amount of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

Hello, I received two checks in the mail. For a total about {$1900.00}. I received the checks from my previous employer thinking it was the profit share check from working their the first 6 months of the year. I scanned the checks and navy federal approved them and deposited the money into my account. I though the checks were okay because they took a few days to process. So my wife and I made plans for the money and bought XXXX gifts for the family. I deposited the checks on Monday the XXXX and I believe the funds where available the XXXX. A few days later Navy federal pulls out the money from my account and gave me no warning as to what was going on. I had to call them and see why my account was negative {$1300.00}. Took awhile to figure out but the checks had a stop payment on them. They where checks that got lost in the mail from XXXX I just got them on the XXXX of XXXX. So today the XXXX I tried to transfer money from my other savings account but Navy federal froze my accounts with out warning. My be savings has a positive balance of {$1100.00}. The negative savings account balance about $ XXXX. I called navy federal to see if they could work me on unfreezing my accounts but they refused to help. They said I had to pay off the negative balance the {$1100.00} is all I have until I get paid again. They gave me no further options. So now I cant get my money for food or gas for the reset of the week until I pay off the negative balance. Hopefully you can help file a complaint. Thanks you XXXX
Product: Credit reporting or other personal consumer reports

I refinanced my vehicle from Bridgecrest in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. Bridgecrest later reported my final Payment as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information, including my Social Security Number ( SSN ) and other sensitive details, were exposed due to a data breach at XXXX XXXX XXXX. This breach occurred when According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names Social Security Numbers Mailing addresses Email addresses Phone numbers Risks of the exposed data The compromised data in this breach can be exploited for different cybercrimes and fraudulent actions. The following list shows possible risks associated with each category of exposed information : Full Names : Misuse of your identity for fraudulent activities, such as opening new accounts or making unauthorized purchases. 

Social Security Numbers : High risk of identity theft, which can lead to fraudulently opened credit accounts, loans, and other financial activities. It's important to monitor your credit reports. You might want to consider placing a fraud alert or credit freeze on your social security number. 

Addresses : Access to your physical address increases the risk of identity theft and physical threats. These threats can include fraudulent change-of-address requests and potential home burglaries. 

Phone Numbers : There is a high likelihood of increased phishing attacks through text messages and phone calls, potentially resulting in unauthorized access to personal and financial information. This also increases the risk of unsolicited ( spam ) calls. 

Email addresses : Increased risk of targeted phishing, account takeovers, unauthorized access, and a higher chance of spam emails. As a result, my XXXX and other personal identifiers were compromised and may have been accessed by unauthorized entities. Also There is a lawsuit due to XXXX XXXX given access to my information. This raises serious concerns about the security of my personal data and the potential for its misuse.