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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and I saw a lot of fraudulent accounts on my credit report. I would like to remove these as soon as possible. Thank you
Product: Checking or savings account

I received a back payment for XXXX in XXXX of 2023 to my checking account and XXXX in XXXX of 2023. I am XXXX and receive social security last XXXX my account had been compromised internally with dispute made by someone online.Navy federal credit the amount back to my account and all these charges where credited to my account.Then 30 days later the credits were taken from my account This needs to be investigated due to the fact that the branch manager was arrested for theft I have gone back over my statement in XXXX I have transfers of XXXX I have made police reports and reports to the fraud department with no avail.i
Product: Mortgage

The complaint is in regard to Suntrust Mortgage 's repeated failure to acknowledge my timely submission of my monthly payment, handled automatically from my XXXX checking account. In addition, I have a more serious complaint about Suntrust 's actions on my credit report, but I'm not allowed to check two boxes, so I will submit it separately. 

For years I have paid my monthly mortgage payment to Suntrust Mortgage automatically from my XXXX checking account. I have records going for almost ten years, and I've never missed a payment. Last year Suntrust began assessing late charges even though my payments had been mailed by XXXX in a timely fashion. The only way to contact Suntrust is by telephone or in writing, but they don't acknowledge or answer written correspondence, ( more later ) so the only way to reach them is by telephone, with wait times averaging well over thirty minutes to speak to a human. 

Each time Suntrust would claim not to have received the payment on time, even though I could prove that the payment was mailed with plenty of time to spare. I even researched one of the payments and found that over 85 % of mail that was sent that week arrived on time, so it seemed highly unlikely that my payment took more than 3 times the normal time to arrive. I can't prove it, but I believe Suntrust is failing to open their mail and process payments in a timely manner, and is blaming delays in the US mail to cover for their poor service. I can provide written proof of timely payment for every month for the last year or more, if needed. 

Starting in XXXX I changed the mailing date for my payment to 14 days before the due date, yet Suntrust still claims not to receive the payments on time. Unable to get a reasonable response after hours on the telephone, I have written to Suntrust three seperate times, to the address listed for correspondence on my monthly mortgage statement. I wrote to Suntrust on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Suntrust has not answered any of those letters or responded to my concerns. 

I have further concerns regarding their reports to the credit bureaus, and also about their treatment of my insurance on another mortgage, but I will submit those separately. 

Even though I have provided written proof from XXXX that the payments were made on time, Suntrust has not acknowledged that. Further, they harass me by calling my office, at one point every business day for weeks, then hanging up when I attempt to answer. 

Suntrust refuses to acknowledge timely payment, they don't allow me to communicate by email where there would be a written record, they only allow telephone contact after extremely long wait times, they don't answer written correspondence, and they have falsely reported me to the credit bureaus causing my credit score to drop from excellent by about 100 points. 

I am an excellent customer and have been mistreated, and they won't respond to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

The record on my credit report with Experian is incorrect. 
The detail is : Reporting Company : Experian Report Number : XXXX Information providing company Name : XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department Phone No : ( XXXX ) XXXX Problem and inaccurate information : Shows account closed. Inaccurate information is hurting my credit. The following inaccurately furnished information is maintained by Experian must immediately be corrected in their record : 1. Experian Report Number : XXXX I have NEVER OPENED any credit card account with XXXX at all. It shows account in CLOSED status. Please remove this items immediately from my credit account. 


2. The Experian also maintaining inaccurately reported address - a post office address XXXX XXXX XXXX XXXX, GA XXXX I do not and have never lived at the post office address. Experian did not remove this inaccurate information. 

There is no report number listed for the above post office address. 


3. My name is also reported incorrectly - Experian did not remove this inaccurate information. I had sent Experian copy of ID issued by Government, and W2, Utilities bills with my name on them : Name ID # XXXX Report Number XXXX XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Above inaccurately reported name must be removed immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent to XXXX XXXX, through Venmo, a company dedicated to transmitting safe, fast, social payments, {$300.00}. As required by Venmo for verification purposes, I provided XXXX telephone number. 
Venmo did not pay XXXX the {$300.00} because her Venmo account was frozen due to activity that triggered security alerts. As suggested by a Venmo agent, I paid XXXX the {$300.00} outside of Venmo, by check, and requested reimbursement of the money by Venmo. Venmo has refused to reimburse the money because it allegedly paid a different XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I paid off all my collections on all my reports. Per their website once the debt is paid off it should be deleted from all reports. They are not.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

TO : Consumer Financial Protection Bureau FROM : XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ; I filed a dispute with Equifax for an invalid bankruptcy report that has been on showing up on my Equifax credit report since 2012. 

I have never had a bankruptcy, nor been in the District Court where it was discharged. 
I have been a victim of mistaken identity, and It clearly belongs in someone else 's file. 
There are many " XXXX XXXX 's '' out there. 

I have unable to resolve this issue with Equifax, despite repeated attempts to do so, including purchasing their consumer monitoring product. I did file a dispute with Equifax, but have been unable to view their results on line. I have also been unsuccessful in contacting them by phone. Dealing with Equifax ( and other credit reporting bureaus ) has been beyond frustrating, if not impossible. 

The bankruptcy error, ( which doesn't show up on my XXXX  or XXXX  Credit reports ) continues to show up on my Equifax report. Equifax has made it impossible for me to resolve this issue, and has made it difficult for me to obtain bank loans or other financial products due to the erroneous bankruptcy on my record. 

I am deeply frustrated with this issue, which is why I am appealing to you for help. 

I have been a victim of mistaken identity, and I would like for this erroneous bankruptcy to be permanently removed from my credit report. 

FACTS : - The Bankruptcy in dispute is listed under " Public records '' on my Equifax report. 
- It was discharged on XX/XX/2012 on District Court in XXXX, MA - The reference number on the credit report is : XXXX - This bankruptcy continues to show up on my Equifax report. 

Thank you, XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX Mailing Address : XXXX. XXXX  XXXX XXXX, Maine XXXX Physical Address : XXXX XXXX XXXX XXXX, Maine XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX XXXX XXXX on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my ChexSystems consumer report regarding an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). The entry for this account was reported as " Account Abuse '' and " XXXX XXXX, '' but the balance and charge are the result of fraudulent activity, and the creditor failed to conduct an appropriate investigation, as required by federal law. 
Here are the relevant details regarding this dispute : Account Number : XXXX Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX, KS XXXX Date of Closure : XX/XX/year> Reported SSN/ID : XXXX Facts of the Case : 1. Fraudulent Activity : I closed the account on XX/XX/year> with a zero balance. However, after the closure, a fraudulent charge was processed on the account, despite it being closed. 
2. Failure of Proper Investigation : I disputed the charge with XXXX XXXX XXXX XXXX, but they refused to conduct an appropriate investigation of the fraudulent charge, in violation of the Fair Credit Reporting Act ( FCRA ). The creditor failed to follow the required procedures for addressing fraud, and as a result, the charge remains incorrectly reported on my ChexSystems report.

3. Violation of Federal Law : Under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ), creditors are required to properly investigate disputes, especially when fraud is suspected. I have complied with the requirements for disputing fraudulent activity and expected the creditor to investigate and resolve the issue. Instead, they improperly allowed the fraudulent charge to remain on the account and were negligent in their duties.

I request that ChexSystems conduct a thorough investigation into this matter, as I have not authorized or incurred the fraudulent charge, and I was not involved in any
activity related to this charge. I also request that you update my consumer report to reflect the removal of this incorrect entry as soon as possible, in accordance with federal law. The results of your investigation should also produce a detailed transaction history of the account as well as all of the dispute letters I sent to the credit union.

Please inform me of the results of your investigation, and provide me with a copy of my updated report once the dispute is resolved. I am available to provide any additional documentation or information that may be necessary.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Notice unauthorized hard inquiries on my credit report from XXXX, Equifax and XXXX
Product: Debt collection

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. 
Zion Debt HOLDINGS, has violated my rights. 

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

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.

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws.

Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date. The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work. The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see attached file for further detail about this complaint.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated.
Product: Credit reporting or other personal consumer reports

I have about XXXX hard inquires on my credit report from someone in Texas using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in Texas. I live in XXXX XXXX. 

XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 Ally Financial XX/XX/24
Product: Checking or savings account

On XX/XX/XXXX me and my cousin went to a chase branch so she could deposit her tax refund check into my account because she didnt have a bank account to deposit it into, The teller in the chase bank helped her endorse the check over to my name accepted the check told us itll be a 7 business day hold before the funds would clear, the day the funds would clear in the account which would be XX/XX/XXXX Ive got a letter in the mail telling me my account was restricted and could be closed within 10 business dayd and to contact them chase for further information, I called they told me my account would be restricted and the funds from the check were be suspended into I could verify the third party which was my cousin by providing them with her phone number and they would call her to verify if she actually signed it over to me which confused us because we did everything at the branch showing our identity and everything, anyway once I provided her phone number they told me they couldnt call it to verify because it wasnt under the number wasnt under the same name as the check which was understandable a day after on XX/XX/XXXX they closed my account randomly my cousin ended up getting her number registered under her name took about two weeks of back and forth calling eventually on XX/XX/XXXX i gave chase another call and they were able to call and verify the third party check the Chase rep told me that it would take about 7 business days before the check would reach me and to call back on the XXXX if I havent received it XXXX passed I still didnt get it I called and they told me they are waiting for the us treasury to email them back before they could mail the check out and now on the XXXX of XXXX I am still waiting on the check to be mailed out.
Product: Debt collection

I offered to make a payment and try to settle with the company to have this collection deleted from my credit report XXXX XXXX by mail. A week after sending the letter national credit systems contacted me and threatened to sue me and ruin my credit. A few days following an attorney from XXXX XXXX office called repeatedly and left several voicemails telling me good luck in court. I could never contact anyone back at the law firm. I would like for this to end and this collection to be deleted or settle for the amount I initially asked, delete from my credit report, and do not ever contact me again.
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns about Zelle 's dispute resolution process, especially given the recent CFPB lawsuit that brought significant issues to light. Despite using Zelle frequently and reporting discrepancies, both my bank and Zelle failed to properly investigate my claims. 

They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to abuse 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 or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested my free annual credit report to be sent to me back in XXXX or XX/XX/XXXX. It was not sent to me. Please send ASAP. My name : XXXX XXXX. SSN XXXX DOB : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX of a reopened XXXX XXXX  case. They are still reporting me delinquent -- Correct Credit report
Product: Debt collection

Had a history of problems with XXXX XXXX XXXX emailed corporate office several times. This is the final straw, XXXX XXXX XXXX stating I owe them a past due balance when my account was closed at a XXXX balance. I was told over the phone on a recorded line that since I was moving to a area they didnt not cover I did not have to pay a early cancellation fee. My triple plan service was closed and I returned all the equipment back. They didnt even cancel my cable service but I returned my equipment. I explained I was moving and need all services taken care of. 
Now I see on my credit report that I supposed to owe them. I dont owe XXXX XXXX XXXX anything. 
I want this to be removed off my credit report and for them including XXXX XXXX XXXX to leave me alone.