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

Prestige Financial stopped reporting positive payment history. Payments made under 30 days, went unreported to XXXX for several consecutive months in XXXX. During my attempt at rebuilding decent credit, Prestige failed to update XXXX with payments made in good standing. When I fell behind XXXX days XXXX, Prestige quickly updated my account and listed the account as currently past due on the same day the agreed upon payment arrangement cleared. Post payment, I am left with a currently past due account on my credit report. Presitige Financial chooses when to report your credit activity and its not when your account is positve or timely. Prestige also updated the same account XXXX as currently past due to XXXX, after years of reporting the account was closed in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unknown account was opened without my consent. I have filed FTC and sent numerous mails but it still shows on my credit report Bank : XXXX XXXX XXXX. 
Account # XXXX Opened on XX/XX/2020 XXXX {$44.00}
Product: Money transfer, virtual currency, or money service

I am writing to currently express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting, discrepancies my financial institution as Zelle failed to investigate my claims adequately. They informed me that recovery loss funds. Was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not. Only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency. Is unacceptable and raises serious. Concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Diversified Adjustment Service , INC . 
XXXX XXXX XXXX XXXX MN XXXX XXXX RE : Account Number XXXX Dear Diversified Adjustment Service, INC I am responding to your contact about a debt you are trying to collect. You contacted me by personal email XXXX on XX/XX/year> and identified this alleged debt. XXXX  with account number XXXX. 
Please supply the information below so that I have all information : o The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
o If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
o Provide verification and documentation that there is a valid basis for claim that I must pay the debt to the current creditor. For example, can you provide copy of the written agreement that created my original requirement to pay? Also include the purchase agreement for this alleged debt. 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that must pay. 
The amount and age of the debt, including : o A copy of the last billing statement sent to me by the original creditor.

o State the amount of the debt when you obtained it, and when that. Ive sent this to the debt collector and did not receive any of the requested information.
Product: Debt collection

XX/XX/19. XXXX XXXX  with First Financial Asset Management 360 was very aggressive and verbally abusive in a phone call regarding the settlement of a debt. I was helping my brother as a third party payer for a debt he owed. XXXX was belittling and actually began yelling at me when I explained to her that I understand the debt collection business and understand the debtors rights. Lastly, XXXX threatened my brother XXXX XXXX, with suspending his license which I know isn't within her purview Additionally when I requested a recent for my credit card payment the firm refused to provide one, stating the it wasn't their policy to issue one. 

This firm is a bad actor.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

RE : Rent Recovery XXXX XXXX XXXX XXXX Account No XXXX I have never paid late. The amount due is in error and does not take into account the more than {$1000.00} they received from me that I never got credit for, OR the {$400.00} deposit that was not returned to me. 

This amount is due TO me, not to them, for making excessive and extraneous errors in their bookkeeping systems. 

The credit bureau report claims of Rent Recovery, XXXX XXXX, and XXXX XXXX are fraudulent and should be removed from my credit report immediately. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Also, XXXX XXXX no longer exists and there is no XXXX XXXX that is a legal entity in the state of Georgia at this time. These companies no longer exist and there is no money due to defunct companies that ceased to operate due to illegal collections and mismanagement of funds. 

I have documents proving this as fact and can present them on request.
Product: Credit reporting or other personal consumer reports

I have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and am still disputing this late pay with Wells Fargo. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay Wells Fargo Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the WF representative who assisted me, as well as the the TAX office person who assisted me. This WF representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, WF was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. WF is saying this is returned check, which is not true, as the money was already in escrow. Im asking WF to do the simple and right thing, and remove this one late pay as they promised. Please talk to the WF rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
Product: Mortgage

I sent a payment to the bank to payoff my loan in the amount of XXXX on XX/XX/XXXX. The balance on the loan at the time was XXXX. 

I have not sent any addition payment, I have been calling the bank mortagage department to find out why they have not applied the payment. My mortgage balance is now up to XXXX. 

On the transaction statement you see the payment was received but not applied. I was told on XX/XX/XXXX that by XX/XX/XXXX the payment would be applied and my account settled. 

I have called at least 10 times waited on hold for over 4 hours on some calls. I have only reached a person on the phone 2 times. I been to the branch office three times. Only one person at the branch tried to help XXXX XXXX financial center manager was helping out at the branch office back in XX/XX/XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX. 
Flower Mound, TX XXXX XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$2200.00} XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$17000.00} XX/XX/XXXX RECORDING FEE FEE - {$30.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00}
Product: Checking or savings account

Several weeks ago I attempted to link an external account so I could transfer funds from my Capital One account to an account at XXXX. I received no communication from Capital One that the linkage was not successful but did not see any microdeposits. I called at the time to inquire and no one could see the attempt or tell me what happened. This weekend, I tried to set up the linked account again but was getting an error message on the mobile application. I was told to try to set up in the online application instead of the mobile but it would still not go through. I spoke with a manager who information me that it could not be set up due to an internal glitch at Capital One and that she would send the information to the correct internal department to resolve and to try again on Tuesday. When I tried this morning, I received the same error message. Upon inquiry and discussion with a manager I was told that this was due to security reasons but that nothing was restricted with my funds. I asked if I could speak with someone in the fraud area to help me understand what the issue was and was told that wasnt possible. Since an external transfer could not be set up, I inquired as to whether I could wire the funds and was told I could, however, there would be a fee. I asked for the fee to be waived and was declined. I asked to escalate this request and was told that wasnt possible I was speaking with the highest level. I noted I would remain on the phone until I had a chance to speak with someone about the request. The manager put me on hold for about XXXX XXXX while she got someone and then hung up on me. I called the fraud department and was transferred again and was told the same as before. I hav e spoken with the Bank that the funds would be going into and they are not sure why this is not able to be done as everything looks ok on their end. I have been a customer for 20+ years and have what ( to me ) is a significant relationship with the Bank XXXX They arent paying the most competitive rates and I feel like they are now holding my money hostage making it difficult to set up an external transfer because they dont want people moving funds out of their account. Perhaps they are blocking transfers from going to competitors that are paying higher rates. I also cant believe that a 20+ year relationship when I have asked for next to nothing from the Bank is not worth a waived wire transfer fee. That is sad and I am disappointed that I now need to find another bank to do business with.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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


XXXXXXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXXXXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a follow-up complaint against Equifax. 
Please reference original complaint file : XXXX Equifax did not perform review, and correction of my account. 
I am attaching additional supporting documentation. Additionally, I have summarized the prior complaint to ensure all information is at hand for them to understand my concern. Most importantly, because I come in good faith, with the sincere hope that providing all information will help correct my credit report in reasonable time.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound dissatisfaction with the ongoing presence of fraudulent accounts on my credit report. After reporting the identity theft, I immediately contacted the companies associated with these fraudulent accounts. They confirmed the legitimacy of my report and assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report, despite their inability to provide records. 
It is noteworthy that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I am puzzled as to why your bureau continues to verify these accounts when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One is reporting a balance on my credit report when the accounts has charged off. Also while the account has charged off they are still reporting on a monthly basis. I reached out to the company and ask to fix this. I also reached out the credit bureaus, all they do is dispute and ask them is this information mine and then send me back a 1etter stating that it is reporting correctly.

There is two accounts with the above company. I will also attached the credit report to show how its reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will  NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting inXX/XX/2020. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of MyFICO which I pay {$39.00} for monthly to monitor my credit. For some reason, XXXX continues to have my payment history reflect inaccurately. I have NEVER been late. Transunion shows the correct info in that I paid as agreed, yet XXXX  shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX/XXXX  tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with XXXX, XXXX, and Transununion. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. XXXX  and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but Transunion has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE TRANSUNION, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by Transunion and XXXX, but XXXX  still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Continental FIN CO, XXXX XXXX, and XXXX XXXX. The Account Opened is Continental Fin CO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Checking or savings account

To whom it may concern, On XX/XX/2019 my wife wrote out check # XXXX to XXXX XXXX to the amount of {$850.00} to pay our mortgage. On the morning of XX/XX/2019 the check in a XXXX XXXX  envelope was put into our mailbox. At XXXX security footage shows the mailman ( not our normal Mailman ) picking up the mail. 
On XX/XX/XXXX we received a notice from XXXX XXXX  that we did not pay our mortgage that month. We had to go to the XXXX XXXX  and pay right away to avoid a late fee. At this point we just thought the check # XXXX was lost in the mail and would eventually show up at XXXX XXXX. 
On XX/XX/2019 we received an overdraft notice from our checking account bank XXXX XXXX. At this point we though the checking bank made a mistake for we had more than enough money to cover any checks that were written. When going into our account we found that someone had taken Check # XXXX that was sent to XXXX XXXX  was fraudulently altered and changed to someone calling himself XXXX XXXX for {$1900.00} which he or she deposited into a bank account # XXXX USAA FSB ( routing number XXXX ) by some kind of mobile device. At this point we had to put more money into our checking to avoid overdraft payments. 
We contacted the XXXX XXXX XXXX  and State police who are investigating this case. 
At this time we are notifying you so that you can investigate your end of this fraud forgery. 
Please investigate and send all findings to Tpr XXXX badge no. XXXX, at XXXX, Incident no. XXXX or you can send directly to me and I will forward to him.
Product: Debt collection

On XXXX I received a letter from IQ Data International, the letter was dated XX/XX/XXXX of 2023. So for some reason I received the letter a month and a half later. The later stated I owed around {$1500.00} to my old apartment complex. I called on XXXX and left a voicemail saying I was confused as to what was going on, I moved away from there 2 years ago. On XXXX I was called by an employee named XXXX, who was nice at first. When I asked what I was being charged with he summed it up by saying 'turnover charges ' and then later when questioned again he said I didn't pay my last month of rent either ( {$520.00} ) .When I brought up that I could prove I paid that with bank statements XXXX quickly panicked, I don't remember what led to it but he said he needed to know how much I could pay. I told him but I told him I would not pay until I see what I'm being charged for, he threatened that it would not be deleted off my credit report until I pay it. I'm trying to avoid any scams as this is fairly common. He kept demanding my card information and I had to tell him no repeatedly and that I was going to shower so I could go to my job. XXXX made it very difficult to hang up and after I finally did he called me later at work, I called back and told XXXX that I'm at work and must do my job. I also told him that I could not talk, I work in a loud environment and he is not allowed to call me at work and XXXX kept insisting that I am the one who called and that I am missing out on an opportunity. XXXX refused to give a written list of what I'm being charged for and refusing to send out confirmation that this will be deleted from my credit if I do pay it. It was an awful experience and I feel harassed and unsafe.