23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
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The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.
Product: Credit reporting or other personal consumer reports

The late payment reporting by XXXX XXXX to credit bureaus is unfair and inaccurate under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings on the need for fairness, accuracy, and respect for consumer privacy in credit reporting. Heres how : Inaccuracy Undermines the Banking System : Section 1681 ( a ) ( 1 ) emphasizes that the banking system depends on accurate credit reporting. XXXX XXXX reporting of a late payment, if inaccurate or disputable, compromises the reliability of the banking and credit system and unfairly harms me as a consumer. 
Unfair Practices in Reporting : Section 1681 ( a ) ( 4 ) obligates creditors and credit reporting agencies to handle information with fairness and respect for the consumer 's right to privacy. XXXX XXXX actions in this case fail to uphold these principles, as they reported the payment as late despite my compliance with applicable consumer protection laws or a misunderstanding that could have been resolved before reporting. 
Breach of Responsibility to Ensure Accuracy : Section 1681 ( b ) requires consumer reporting systems to operate fairly, equitably, and accurately while protecting confidentiality. XXXX XXXX late payment reporting fails to meet this standard, introducing errors into my credit file that unfairly damage my reputation and creditworthiness. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : Under 15 U.S.C. 1666b, creditors may not treat payments on open-end credit plans as late if received by XXXX XXXX. on the due date and in the correct amount and format. If XXXX XXXX reported my payment as late despite compliance with these conditions, it constitutes a direct violation of this rule, further highlighting the unfairness of their reporting. 
Request for Resolution To address this issue and restore fairness, I request that XXXX XXXX : Immediately remove the late payment entry from my credit report. 
Inform all relevant credit reporting agencies of this correction to ensure that my credit history is accurately reflected. 
This resolution is necessary to uphold the principles of accuracy, fairness, and consumer protection enshrined in the Fair Credit Reporting Act and the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

An erroneous reporting on my equifax credit report shows a {$190.00} owed to XXXX. I have never opened nor had any power account with XXXX. In fact, during the time that this account was opened by an identity thief back in XX/XX/XXXX/XX/XX/XXXX I happened to be stationed abroad. I submitted pages of my passport to Equifax showing U.S Customs stamps proving that I was indeed abroad and could not have possibly opened that account but Equifax will still not investigate the erroneous reporting. My latest dispute that was certified-mailed on XX/XX/XXXX to Equifax on this matter, they never even bothered to respond to my dispute. It 's been +45 days now, please help!
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE. On XX/XX/2024, Enterprise XXXX XXXX and their assignee received a written request for accounting ; request regarding list of collateral or statement of account in accordance with UCC section 9-210 delivered by certified mail return receipt. Pursuant to UCC section 9-210 ( b ) Enterprise XXXX XXXX and their assignee has breach their duty by failing to respond within 14 days of receiving said notice. Pursuant to UCC section 9-625 both Enterprise and their assignee failed to comply with my request which grants remedy due to me. From a maxim of equity perspective, the principle of equity aids the vigilant, not those who slumber on their rights and equity delights in equality I have just rights to fairness and justice.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see inaccurate accounts listed, and I honestly dont understand how this happened. I always review my report regularly, but this time, there were discrepancies that caught me completely off guard. I even tried refreshing my browser in case it was a temporary glitch, but nothing changed. These errors stayed, and now Im begging for a thorough review of the documents Ive submitted to resolve this once and for all.
Product: Credit card or prepaid card

On XX/XX/2022 I needed to get an emergency car repair and I used my Avant credit card to cover the expenses. The total of the bill came up to {$450.00} and I had {$500.00} available credit because I had recently paid the account balance in full by making a payment of {$500.00} on XX/XX/2022 after making on time monthly payments and paying the balance in full several times. I called the credit card company of which I was told that my credit limit was decreased and I currently had a credit limit of {$300.00} and that they could not tell me the reason for the decrease although I had a {$0.00} account balance. I requested a supervisor and the agent disconnected the call. I then tried to use the card for the {$300.00} available limit and the card was declined and I tried to use the card for {$250.00} and the card was declined again. I called the credit card company again and requested to speak to a supervisor again and when I was connected to the supervisor I was notified that she could not tell me why my credit line was decreased but I would receive a letter in writing notifying me of the adverse action that I would receive in the mail in XXXX days and that there was a block on my card because of the declined {$450.00} transaction. The supervisor removed the block from my card and I made a complaint against the company. I then completed a partial transaction for {$300.00} with the unblocked available credit and I then logged into my online account and I noticed an over the limit fee and additional fees are still pending. I was not notified of the adverse action or the change in terms of the fees.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Secured Unlimited Cash Rewards Platinum Plus Visa card with Bank of America. Reference # XXXX. My application was denied the same day. I received a letter stating that one of may accounts was included in bankruptcy or thy received notification of my intent to file bankruptcy. Both of these allegations are false. Bank of America did not validate/verify any of this fraudulent information through me in regards to me. I do not have any accounts from Bank of America included in a Bankruptcy and I have not informed Bank of America of any intent to file bankruptcy. They are receiving inaccurate information in regards to me as the consumer without receiving factual information from me. The Fair Credit Reporting Act ( FCRA ) is intended to inform consumers about the accuracy and fairness of credit reporting in pursuant to 15 USC 1681. Denying me of getting a secured credit ( using my own funds ) is not accurate and fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REFUSED to accept, correct, or examine my LEGAL DOCUMENTATION proof that a Fraudulent XXXX  account illegally using my name was written off for over {$10000.00} was found FRAUDULENT and I WAS NOT HELD LEGALLY RESPONSIBLE by XXXX XXXX Corporate Offices after they conducted their own official investigation. My credit score literally went from XXXX to XXXX overnight. Also, Experian previously removed the Hard Inquiry after FRAUD was proven by this account. It just popped up on my credit file overnight and said it had been on my credit file since XX/XX/2017. It DOES NOT APPEAR on any of my other Consumer Credit Reporting Agency Files.
Product: Credit reporting or other personal consumer reports

Fair credit act is being violated Experian say Iam unscoreable and I dont have a credit score.Ive had a credit card for years with excellent payment history I have a bunch of outdated information
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Bank of America has fraudulently capitalized on their error of misapplied funds, unaccounted funds, funds received but not applied, including inordinate delay of funds to fraudulently and deceptively  : ( 1 )   misapplied funds and took an inordinate time to restore ( 1 month 8 day  ) ( 2 ) l ost payments, payments not reflected on ledger  ( 3 ) m anipulated account ending in  XXXX   ( 4 )  cancelled a repayment agreement (  5 ) c reate and conduct a fraudulent escrow a udit ( 6 ) in tervened and paid the  XXXX  property taxes without prior notific ation ( 7 )  has fraudulently cited a  XXXX  Bank of America document as notification to pay property taxes  ( 8 ) ignored my concerns and violated my rights as a consumer ( 9 ) transferred my loan to another servicing prov ider without addressing my concerns
Product: Mortgage

XXXX XXXX did not pay our home insurance, although the account is in escrow. We have been uninsured for 2 weeks, and ( if our insurance agent will let us be reinstated ) will not be insured again until after the weekend. 

This is the second problem we have had with our account in the 1st month since they bought the mortgage.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This is regarding charges due to XXXX XXXX regarding equipment that I gave back to them. I brought them their equipment and when I went to follow up with the company their location near me closed down.
Product: Credit reporting or other personal consumer reports

Unfortunately, Ive been a victim of identity, theft, and XXXX data breach. My information was obtained and used fraudulently to open several account loans, credit cards and etc.. ive already contacted this company directly Chase Bank to let them aware of this identity theft and that I will proceeded to file this report.
Product: Checking or savings account

I deposited a check on XX/XX/year> for {$75000.00} in in person with Drivers License at a Citi Bank branch in XXXX Florida. my account has been locked up since then and no access to my funds that were in the account prior to deposit and deposited funds. the check has been verified by the issuer a dozen times and by the Issuing Bank ( XXXX XXXX ) multiple times, the account is still locked up. We are going on XXXX weeks of this with no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally consumers right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX along with XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX and XXXX along with XXXX XXXX XXXX Account Number : N/A Account Name : Student Loans XXXX, XXXX XXXX XXXX XXXX XXXX XXXX University XXXX Department of Education 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other items of adverse information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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: Debt collection

This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.
Product: Bank account or service

On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.
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 user 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$940.00} XXXX XXXXXXXX Balance XXXX {$440.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1100.00} I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Checking or savings account

I submitted a complaint to the CFPB on XX/XX/XXXX and Chase Bank 's response did not at all address my actual complaint. They addressed a previous issue that Chase had over 8 months ago when the bank went to a new online platform. 
The issue I have that is not being addressed at Chase is that there is currently a product defect in Chase 's online banking platform. I deposit my business checks into my XXXX account. When I then go to download the detail of the batch checks deposited ( see attached example ) there are several checks MISSING in the csv report. Back in XXXX and XXXX I spend over 8 hours with Chase representatives ( XXXX XXXX who is no longer with Chase, XXXX XXXX, etc ). No one could figure out why all checks that are deposited are not pulling into the reporting tool that Chase has. The issue is extremely significant and is leading to our business having inaccurate accounting procedures and billing our patients incorrectly. 

I spoke to a woman named XXXX on XX/XX/XXXX who confirmed the product defect and said she was working with the Digital Team to get the problem fixed ASAP. She told me she would follow-up with me by phone on Tuesday XX/XX/XXXX. It is not Friday XXXX and I have left XXXX 2 voicemails and called the executive office with Chase several times with no response. Chase bank continues to misrepresent accurate amounts deposited into my business banking account ending in XXXX.
Product: Debt collection

Sunrise Credit Service has a fraudulent debt collection where someone used my social security # with made up names and phone numbers through XXXX XXXX XXXX XXXXr. Ive contacted XXXXunrise numerous times and they initially told me theyd send me a packet to start resolving this issue. Six months later and dozens of calls back to Sunrise Credit Services, I still have no answers as to how to fix this or no packet of information to fill out and send in. This is a fraudulent debt and I desperately just want help to try and resolve.