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

In XXXX of 2018 I went into the US Bank branch located on XXXX in XXXX OR to remove my name from the joint accounts I was sharing with my ex boyfriend. They were happy to assist and all was good until about a year later when I receive a notice in the mail that I need to make a payment to the Line of Credit attached to that account. I called the Bank and after looking up my information, they confirmed that I had indeed removed my name from this account and to disregard the notice, as my ex was getting the same letter. A few months go by and I receive another letter from USBank stating my account is past due. This time I go into the same bank branch and speak with a manager who proceeds to tell me, they can see that I was removed from the account and not sure why the LOC account was not also closed at that time, which at that time had a XXXX balance. They confirmed to me that they would call my ex to inform him of this balance created after my name was taken off the account. Another couple months go by and I receive the same letter. This time I start making payments myself as I can't reach out to my ex and the bank has not helped me. This has created a significant dent in my credit score for debt that is not even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.
Product: Checking or savings account

On XX/XX/XXXX of XXXX  I made a utility payment in the amount of {XXXX} in an error and overpaid my utility for my XXXX  XXXX XXXX XXXX bill. The bill due had already been paid. I overpaid in the amount of XXXX}. Once I realize that I contacted the bank on XX/XX/year> the bill pay representative contacted the California water service company that I overpaid the amount and verified that it was in fact an overpayment. XXXX XXXX XXXX  advised the bill pay representative that they would be refunding the money, the same way it was paid by electronic bill pay. The Bank of America customer service representative documented that information from XXXX XXXX XXXX in an email and forward it to me. Several weeks had gone by and I recontacted Bank of America and they said they didnt get the transfer for the refund. I then contacted California water service company and they indicated they had in fact documentation of the refund being sent back to Bank of America on XX/XX/year>. I contacted Bank of America and they advised they did receive the refund. However, they were not going to put the funds back into my account because they were doing an investigation to see if in fact it was my rightful money coming back to me. They had already confirmed this by contacting the XXXX  XXXX XXXX XXXX on their own several times however they are refusing to give me my money back theyre withholding the {XXXX} that I overpaid the XXXX  XXXX XXXX my utility. In fact, they even went as far as saying, the only way that they would process a temporary credit in the amount of {XXXX  was if I was overdrawn, which doesnt make sense to me. which in essence theyre saying that I would have to have a XXXX balance or go into a negative overdraft and a crew a fee before they would give me the money which is rightfully mine to begin with {XXXX 

Bank of America is unlawfully withholding, my electronic refund that has been several times verified that it is in fact a refund from an overpayment that had already been sent back to the bank, the same way it was paid out. I believe theyre violating my fourth amendment rights due to an unlawful XXXX or withholding money that is legally and rightfully mine. I am a retired, law-enforcement officer, and in no way have I ever heard of any banking institution withholding money that is rightfully consumers. I feel they are fraud, the consumers so that they can hold onto money and a crew interest on their end. 

Bank of America needs to be audited for this reason. Surely I can not be the only one that they are doing this to this is an unfair business practice and quite honestly extremely unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information provided in my credit report. You have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Everything in your power needs to be done to make sure this is true. Meaning every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts you post on a credit file. If not, anyone paying for your credit reporting services could fax, mail, or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. Please remove these accounts from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the XXXX XXXX XXXX   reported this account I saw immediately that this is inaccurate. Why? Because the payment history is in disarray. Also the date of last active is reported differently.
Product: Credit reporting or other personal consumer reports

Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  XXXX XXXX and US BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

I have Citi mastercard ending in XXXX. There was one purchase of XXXX online exam for my son. They were suppose to send us book, practice tests and let him appear in the real exams. 
I enrolled my kid XXXX XXXX as XXXX ( Non School competitor ) as that's what I was told by XXXX and his school ( as his school is not participating ). 
Only after their response and confirmation - I paid {$60.00} for that. 
Later XXXX XXXX XXXX XXXX XXXX stated that my son can not participate as school is cancelling his registration. 
I immediately looped in his School - XXXX XXXX XXXX XXXX 
The School denied that they are objecting to anything and they encourage the kids to participate. 
But even after that XXXX XXXX cancelled my son 's registration. Due to which my son can not participate in the contest. 
I paid {$60.00} for the contest and if his registration is cancelled by XXXX on the wrong reasons - they should refund back the money - {$60.00} but they are not willing to do so. 
Complained the matter to the Virginia attorney General 's office also. The Virginia attorney General 's office acknowledged it - they are awaiting the merchant 's response. 

Dispute # XXXX Even when XXXX agreed that i can get the refund - Citi is not doing anything regarding this dispute. Citi can't even forward the right documents to us ( response from XXXX ). Attorney General of Virginia also intervened and then finally XXXX agreed for the refund as my son didn't got any preparation material and very less time for the final exam.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I initiated a balance transfer for the sum of {$1200.00} from my AppleCard to a XXXX card on XX/XX/22. The balance transfer was completed and posted to my XXXX account on XX/XX/22. As it seemed like the transfer was taking a bit longer than usual for the payment to be posted to my apple card, I did some research and discovered that Goldman Sachs ( the bank that handles the apple card ) does not accept non-conforming payments, which I came to understand was what my XXXX balance transfer check qualified as. In order to remedy this, I requested the balance transfer be canceled with XXXX. However, they informed me that canceling the transfer was not possible as Goldman Sachs already cashed the check. As of XX/XX/22, Goldman Sachs denies that they received a payment from XXXX. I have reached out to Goldman Sachs multiple times requesting that someone please look into this issue, but no one has helped. I have confirmed with XXXX verbally, electronically, and through the mail that Goldman Sachs has, in fact, cashed the check. XXXX has provided me with a copy of the check and a letter stating that the check has been cashed. I have reached out to Goldman Sachs multiple times, and they repeatedly deny that they have received a check to be applied to my Apple Card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy '' XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I opened a Capital One Quicksilver credit card, and I did not receive the promotional terms. The promotional terms were supposed to be 0 % APR for 15 months and a {$200.00} sign-up bonus. I received neither of these items when I signed up for the card. I tried to resolve this through the company, and they were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wesbanco bank. Continues to submit late notices. This is a sleezy bank, and Im filling with federal banking commission on fraud, lying, inaccurate info. 
Whenever XXXX XXXX you received something got it, XXXX a XXXX  from this bank. I owe nothing and will never pay this amount. I found out they wanted to charge a up front transmission charge if XXXX fee For opening credit limit. I said cancel credit line then. I received no, no XXXX. XXXX dollars from this bank. Letbthem prove what monies in received in order for late fee. I have two cal from 2 banks now and have no such thing. I didnt. Knowcsboutbthis gee until they.took 29 days to establish this. Their Liars and frauds, they will never got any late fee. XXXX XXXX
Product: Mortgage

My escrow account has risen twice in the past year. When I looked through the escrow, Freedom mortgage is charging me for two insurance plans. In XXXX of last year they paid {$690.00} for XXXX XXXXXXXX XXXX for my up to date insurance that is from XX/XX/XXXX-XX/XX/XXXX. In XXXX they again charged me for {$1400.00} for XXXXXXXX XXXX which I had cancelled in XXXX of last year. I have sent the appropriate emails for an escrow analysis four times with no response and have called the company three times. I was told the escrow analysis and change would happen no later than the XX/XX/18 and I still have not gotten any response. This has been ongoing for 2 months and I have never been late on my payment, but I should not have to pay the substantial increase on my mortgage payment d/t a mistake on their part. 
Thank you, XXXX XXXX loan number XXXX
Product: Debt collection

This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.
Product: Credit reporting or other personal consumer reports

XXXX  with equifax stating late XXXX XXXX but unknown information XXXX how is that possible when I closed in XXXX. 

XXXX  XXXX XXXX not even on the report XXXX XXXX late payments XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint regarding Zelle 's failure to investigate unauthorized transactions and its inadequate dispute resolution process. My financial institution, in collaboration with Zelle, has failed to comply with federal consumer protection laws by refusing to properly investigate my claims and denying my ability to recover lost funds. 

1. Failure to Investigate Unauthorized Transactions : Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693f ) and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate errors related to electronic fund transfers, including unauthorized transactions. However, my financial institution and Zelle dismissed my dispute without conducting a proper investigation, in direct violation of these regulations. 

2. Unfair and Deceptive Practices : The Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ( a ) ) prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Zelle 's refusal to track disputed transactions, failure to provide adequate recourse, and misleading claims that recovering funds is " impossible '' constitute unfair and deceptive practices that leave consumers unprotected.

3. Systemic Issues Identified by the CFPB : The CFPB 's recent lawsuit against Zelle highlights systemic issues, including the platform 's failure to implement effective fraud prevention measures and its repeated allowance of bad actors to exploit the system. Zelle 's lack of accountability places consumers at heightened risk of financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following accounts from my records, as they do not belong to me : Account Number 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  Additionally, I believe that the inclusion of these accounts may be in violation of 15 U.S. Code 1681c, which mandates that certain types of information must be removed from consumer credit reports after specific periods. The continued presence of these accounts on my report could be in violation of these requirements.

Please remove these accounts from my credit report and update your records accordingly. If you require any further information or documentation to process this request, or if you need to address the potential violation of 15 U.S. Code 1681c, please let me know. 

Thank you for your assistance. 

Best regards, XXXX XXXX
Product: Debt collection

This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> XXXX XXXX : {$15000.00} - Late/closed
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have medical bill on credit about XXXX never had XXXX on my XXXX or in years. When called credit Corp they contact original place. Credit Corp clles bck an told me it wasn't mine. It was a males a XXXX birthday day an my signature was not on papers. I never got request on papers showing me how I'm am suppose to pay for debt. Credit Corp never sent me anything tht I am reliable. I have a data breach letter that my info was hack. For a debt that isn't mine. I get to deal with all this extra with out provide documneta I'm ontitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports p

ursuant to 15 U.S. Code 1692c ( c ). Failure to comply will result in fines. Best regards.