23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was involved in a business transaction With who I thought was a close family friend. I had a personal checking account with Chase Bank, and my friend brought me in to the bank and added me on to her account as an authorized user. 
Some weeks later I lost all access to my personal and business account. This was back in XX/XX/2022. I received a letter in the mail last week regarding a drastic amount of money was overdrawn in my personal account, and that I owe that amount. However I am a victim in this case. I have not had any access to this account since the incident happen. The amount is XXXX dollars. I obviously dont have that amount of money. Id just like to get this resolved
Product: Debt collection

Paid for a removal said they would take it off my account once I paid the XXXX company lied said I had to go on there website and asked for a removal. I want this off my credit report, They took my money and didn't make good on there promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing charge off. I havent been billed since XX/XX/XXXX, but its still reporting missed payments every month. Also, I have not received notice of collections or a new lender that bought the devious debt. I went overseas in XXXX and called the Lender to express that I was deploying in the armed forces and they told me that I would not have to make a payment until I came home. Call was recorded and monitored, but now theyre saying they dont allow such a thing.
Product: Debt collection

I got a letter from express recovery services saying I owed debt from past due medical bills. I called to see what they were and how I could take care of it because our account at this medical office was paused and we couldnt get any appointments without paying in full. The lady I talked to said she wouldnt go over the bills with me but she would send me everything I owed so I could go over it and make sure the services were processed correctly with insurance. They never sent me anything. 2 months later which is today XX/XX/XXXX they served us with a summons for court. I tried calling and the lady I talked to today said she looked up the account and the notes said that the previous lady I talked to went over it with me which they didnt Because she said she couldnt and would send it to me. I tried to take care of it and was waiting on them so that I knew what it was I was paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I suspected my credit report from Equifax was mixed with another person 's file. I tried to access my credit report online, but I did not recognize most of the identification questions ( I believe those are records from that person ). To fix this issue, I requested the credit report by mail in early XX/XX/XXXX. 

I received my credit report on XX/XX/XXXX. The credit report only contains two accounts, one of which does not belong to me. I tried to submit an online dispute, but again, Equifax requested me to answer identification questions about the accounts that I did not open and are not shown on the credit report. 

I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX, and moved to United States in XX/XX/XXXX. I suspect Equifax XXXX mixes my credit report and Equifax US is using those information. However, I am not able to request my credit report from Equifax XXXX now, since 1. I am not living in XXXX, and 2. my XXXX IDs expired. 

I've called Equifax in Early XX/XX/XXXX to address this issue, but they claimed they can not fix it because they can't identify me.
Product: Debt collection

I Am Not Liable For This Debt With BRIDGECREST And Do Not Have A Contract With ( BRIDGECREST ). 
They Did Not Provide Me With The Original Application As Requested.
Product: Credit card

I paid my XXXX credit card statement one day late, meaning I accrued and owed interest. I paid the card off the next day, Chase Bank continued to charge me interest in XXXX, XXXX, and XXXX. They refunded the interest amounts that I was charged. I am very concerned that this could be happening to others who may not be as financially literate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

XXXX  Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XX/XX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX   Inquiry fromXX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/ Balance {$0.00}
Product: Debt collection

I am writing to express my concern about a letter I received from Midland Credit Management. The letter states that I owe a debt of {$4900.00} and threatens to involve a lawyer to sue me. However, I have not received any prior communication from this debt collector. 

I find it alarming and distressing that this letter is threatening legal action without any prior contact or attempt to resolve the issue. I am retired and rely on Social Security benefits, and this situation is causing significant stress, which is adversely affecting my health. 

I request that Midland Credit Management provide me with detailed information about this debt, including any documentation that verifies its validity. Additionally, I ask that all future communications be handled in a manner that is respectful and considerate of my current circumstances.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Dear sir, I have received a letter written on XX/XX/XXXX of XXXX  regarding dispute case ID XXXX on Bank of America account ending XXXX. Even though I feel, I have mentioned enough to feel no more matters to be disputed. Overall, my memory with Bank of America was genteel. I remember the lady who combined 4 accounts, which I made in XXXX, XXXX  after moving into XXXX XXXX, XXXX. She also recommended to open a joint account with my son, XXXX XXXX, reminding me the case of my death. That meant by creating a joint account to make sure smooth transfer of my asset to my son. One XXXX teller, who worked for a long time in that branch. She checked my signature and most likely she remembers her customers. I remember one occasion when I had phishing. An XXXX me prepared {$2000.00} and tried to deposit bills into a bitcoin machine in one XXXX  salon in XXXX, XXXX. At that time, my brain was confused and just deposited. I remember I forgot my password and took for a while but could deposit money. I was with my son. Then, I went to the police station of XXXX XXXX, XXXX. I went to this branch in XXXX XXXX, XXXX, which was closed this year. It is not clear the time order, but I met an employee of Bank of America. I asked who the receiver of money was, but she answered something the other party agreed to return the money. The police officer called me to arrange the time and place to meet the third party to return money. Since my brain was not functioning well, I had decided to go with my son. The meeting place was XXXX in XXXX, XXXX XXXX XXXX, next to XXXX XXXX. I remember there was one XXXX male, one  XXXX woman, and shop people when we arrived. When we sat on the table, one old XXXXXXXX  man with suit came in and sat behind us. Then, two males with suits came in and they were the persons who gave me back {$2000.00}. Since I could not count the bills, my son counted. I could not forget the facial expression of them, surprise, since my son was counting. The male behind us was smiling and left. I do not remember whether my son was with me, but I have decided to deposit half of amount, {$1000.00} to my sons account and another half for the bank order for the donation, since I did not expect the return of it. After this event, I became busier and did not relate with the branch so much. I might have opened account or credit card and met the customer service and asked why we did not get a house. They asked what I was doing, and I told I was a crafter and no intention to buy a house. After this phishing, I became cautious with emails. This phishing was happened by an email sent to my business website email, which was disappeared. I remember it was around XXXX of that year. It does not relate with bank accounts themselves. But I remember now, so I wrote down. I remember we had some express envelops with unknown tenants. I always left at the door since we did not know. My husband just brought it/them to the maintenance office of XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was involved in the Equifax Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my Equifax and XXXX  report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX  account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccurate information that has been reported on my credit report by TransUnion. Despite my previous communication with TransUnion on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal law. 
Below, I have outlined the details of the inaccurate information and the necessary corrections for each account : The reported information regarding this account is inaccurate, and I request the necessary correction/update on my credit report. 

These accounts were never late, and I request the removal of the late payment notation from my credit report. 


XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00} ) : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) : These accounts do not belong to me, and I request its removal from my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$980.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) XXXX ( Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$1700.00} ) XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an apparent lapse in security protocols, my information along with millions of other credit customers was compromised in an illegal hack. This leaves me exposed to, among other things, identity thieves, spam, individual hacking attempts, and various other violations of my privacy. Equifax needs to be held accountable for this breach.
Product: Mortgage

SunTrust received payoff on XX/XX/XXXX via wire from our closing attorney ; however the payoff was not posted until three days later, on XX/XX/XXXX, with XX/XX/XXXX as the effective date of payoff. The payoff statement from SunTrust clearly states wires received by XXXX XXXX are posted the same day. My wire confirmation shows that the wire was sent at XXXX XXXX allowing ample time for the funds to be received by XXXX XXXX.  Payoff did not post the same day and I was charged three extra days of interest by the time it did post. I contacted SunTrust by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after checking online daily, and via their secure email site following that, and am still waiting for them to 'research ' the request and refund the interest for those three days. I was first told the wire room was understaffed, which is the reason given for not posting the same day, but that the payoff would post as of the correct XX/XX/XXXX effective date. Next I was told that because the loan had two parts ( former restructure ) it took two days to post the payoff but that it would be effective dated to the XX/XX/XXXX for both parts of the loan. Finally when I saw online that the payoff had posted and that it was not backdated to the date wire funds were received, I sent an email to SunTrust via online secure mail site. That was been two weeks ago with an email 2 weeks later saying they are still researching my request.
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXXXXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX  XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.
Product: Money transfer, virtual currency, or money service

I am 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting

I changed XXXX in XXXX 2013 from XXXX and to do this I owed a balance of {$300.00}. This same day I went down there and paid the balance. I had been in a continued argument with the office manager XXXX. Apparently to get even she sent this bill off to collections when it was n't even past due nor late. I paid it the same day! I will include proof! I have been fighting for over 4 years to get this off my credit report that they have reported it to. Not only that the collection agency they sent it to is still reporting it as bad credit.
Product: Credit reporting

XXXX XXXX XXXX is still reporting the intitial file against me. I counterfiled and won and the case was dismissed in my favor. I attached the results. Please remove this XXXX Public Information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX and XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX. 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. 

XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.