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

I was applying for a mortgage last week and my broker found an account in collections for a " personal loan '' for XXXX XXXX The account apparently says it was opened on XX/XX/17. I was living out of the country and in XXXX XXXX  at the time. This account is not visible on XXXX  or XXXX  but she could see it. She told me it is in collections and looks like was originally through XXXX XXXX which I have never used ). I can prove I was not in the country in 2017. Please help me to remove this issue. It is very frustrating that it is not visible on consumer credit bureaus as I check my report once a week. Kind Regards, XXXX XXXX I am also disputing the XXXX XXXX collection accounts ( these I can see on XXXX  ) as these were paid by insurance and have heard nothing back.
Product: Checking or savings account

My mom passed away on XX/XX/2024. I managed to sell her home, pay off some remaining bills and, currently, I am attempting to close her last remaining bank account with Webster Bank in XXXX The account has approximately {$17000.00} in it. I want to close it but Webster Bank has denied the closing and the release of the funds in it. All of my mom 's XXXX XXXX and XXXX so I thought, were notified of her death the day after she passed. However, the XXXX fund did not close her account as I requested and approximately {$500.00} was direct-deposited into her account for, I believe, XXXX, XXXX, XXXX and probably XXXX. As a result of this error by the pension fund, XXXX, Webster Bank will not release any of her money in the account due to the pension fund 's error of not ending the payments which I will gladly return to them. The pension fund, XXXX has stopped responding to the emails I have sent them asking, more like begging, them to take my mom 's pension money back. This has gone on for a now ridiculous XXXX months. I will state again that it is my FULL intention to reimburse the XXXX Pension Fund the monies they direct-deposited into my mom 's account via its error. 
Thanking you in advance for whatever assistance you can provide.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally request the removal of the XXXX XXXX account ( Account XXXX XXXXXXXX ) from my credit report. This account has already been deleted from my credit reports with XXXX and XXXX due to its unverifiability. The inability of the furnishers to provide the necessary validation and documentation proves that the account can not be substantiated. 

Details of the Issue Unverifiable and Inaccurate Information : Both XXXX and XXXX have confirmed, after their investigations, that the XXXX XXXX account could not be verified and therefore deleted the account from my credit report. Attached, you will find documentation of their decisions for your reference. 

Failure to Provide Requested Documentation : In my previous dispute, I requested specific documents to validate this account, including : Original signed contracts or agreements proving my obligation to pay this debt. 
Authenticated double-entry accounting records showing the breakdown of charges. 
Any additional documentation supporting the validity and accuracy of this account. 
These documents were never provided, which further proves that this account is unverifiable and should be removed from my Equifax credit report.

Obligations Under the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), Equifax must ensure the maximum possible accuracy of the information reported on my credit file. Continuing to report an unverifiable account violates this provision.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information can not be verified during a reinvestigation, the credit reporting agency is required to promptly delete the information from the consumers credit file. 
Inconsistency Across Credit Reports : The removal of this account by XXXX and XXXX demonstrates that the account is not accurate or substantiated. Continuing to report this account on my Equifax credit report creates inconsistencies that harm my creditworthiness. 

Request for Immediate Action Immediate Deletion : Remove the XXXX XXXX account ( Account XXXX XXXXXXXX ) from my Equifax credit report immediately. 

Provide Written Confirmation : Provide written confirmation of the accounts removal and an updated copy of my credit report within 10 days of receipt of this letter. 

Notice of Escalation If Equifax fails to delete this account or provide the required documentation, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Submit a formal complaint to my state attorney general for violations of the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ). 
Pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA. 
I trust you will address this matter promptly and ensure compliance with your obligations under the FCRA. Thank you for your attention to this issue, and I look forward to your confirmation of the accounts removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

purchased XXXX XXXX XXXX financed thru XXXX  XXXX XXXX that was paid off in XXXX of 2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am following up on an earlier complaint. I read the response from the company. They sent a letter to an address I never lived at. I have been a victim of identity theft and I never received correspondence to my correct address. There were multiple months shown on my credit report of a charge off which is inaccurate the company charged off the account one month not multiple months now seeing the letter they submitted it was sent to an address I did not live at.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXXXXXX has refused to provide proof of payment of a charge off account and update XXXX to reflect the account was paid. After paying off my charged off account that was reported to XXXX, I requested a formal letter that I can have so that I can use it to open a new bank account, since the bank refused to allow me to open a new account after paying my balance in full. 

The XXXX and XXXX XXXX XXXX and XXXX locations refused my request. I was told that I have to wait an unspecified period of time that may exceed 30 days, while the internal operations processed the payment. Although I explained I needed documentation to urgently open an account it was refused. The manual receipt I received was not enough to show proof of payment to other institutions. 
A person should not have to wait that long for a paid account to be reported. If so, there should be documentation that can be provided outside of a bank teller receipt. This is an unlawful process that needs to be managed. 

Since the account was reported to Chexsystems, it falls under FDCPA and FCRA guidelines, which entitle me to receive a statement of my account or record of payment upon request. The bank refused to provide the information, required me to come to the branch to request in person and was then refused. This is detrimental to customers. I should not have to wait 30 days. When these payments are made in the branch, they should alos be accommodated with a letter that states the account was paid, and who to contact as proof until their operations dept processed the payment. 

I need a letter stating my account was paid and should not have to wait until they get around to it. Please make them issue the formal letter to be sent to the email or physical address I provide. 

Not doing so violates the FDCPA and FCRA guidelines that supersede their internal process because once the account was closed and reported as a debt it became subject to the FDCPA and FDCRA laws.
Product: Debt collection

I have gave ALL parties XXXX chances to cure. I have requested info on the investigation process not just verified, proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and Credit first NA continues to repost the account without sending any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8
Product: Money transfer, virtual currency, or money service

The date that I sent the money to the scammer : XX/XX/XXXX Amount of money sent : {$2500.00} What happened : I got scammed through XXXX and mobile check deposit from the Bank of America XXXX. There was this guy appearing to be a recruiter for XXXX and he sent the part-time recruitment information to my school email address, with a weekly wage of {$500.00}. I was too careless to notice it was a phishing attempt ( because it was sent to my school email address, and the sender 's email address has the domain .edu so I thought it was legit ), so I replied by stating that I was interested in getting the part-time job. I did what I was told for my first task, which was to deposit a check using my bank app to transfer the money to the email address of the organization he is supporting through XXXX. He said the money will be received by the charity organization to purchase things for children, and I believed that! For the details, first I was told to send the money to XXXX, but it didn't go through, so he told me to send it to XXXX and it went through. He then told me to send him the screenshots of the confirmation of payment to another email address. I actually didn't know how the check works, because after I deposited the check into my account, I saw the fund was available in my bank account the next day and I thought the check was approved. But it turned out that the bank had to verify the check for a couple of days after that, and because it was a fake check, my money was deducted from my account. Until that time did I realize I was scammed. 

Action that I took : I went to the nearest Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on XX/XX/XXXX, to report and ask if there would be any solution for this, such as a refund for a scam. But they refused to refund, saying it was me being careless that I transferred the money on my own, so they can not do anything about it.
Product: Money transfer, virtual currency, or money service

I am filling a complaint on Cash App ( Block, Inc ) due to inadequate customer service and unfair practices. Which violate the consumer financial act
Product: Credit reporting, credit repair services, or other personal consumer reports

There is old information on my credit report and i feel something has went wrong on equifax my score has dropped XXXX points for one late account that im a cosigner on
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX  XXXX XXXX for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called XXXX 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing. 

This has caused my credit score to drop over 100 points. Please help me!!!!!!
Product: Debt collection

Stellar Rec has previously tried to collect a debt from me which I do not owe. Further they add it to my credit report as if it is a new debt, thus, re-aging the debt as a new one. This is a nefarious tactic they are using to compel me to pay them off. I have initiated dispute alerts with all credit reporting agencies and spoke with a Stellar Rec agent, today.
Product: Debt collection

I have an earlier CFPB dispute with Venmo/PayPal that was the subject of complaint number XXXX I thought it was resolved when Venmo stated in writing that while they would not cancel the " debt '' ( I do not agree that it is a debt, rather that they are trying to collect my money against another account ), they would cease trying to collect it.

They have not done this. I get weekly emails from PayPal/Venmo regarding the debt ( and probably phone calls but I blocked their number ). They have broken the resolution they agreed with the CFPB : to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for BANK OF AMERICA to cure the errors. However, they have been unwilling to fix these errors. 

See attached.
Product: Checking or savings account

In XX/XX/XXXX I opened a simple business checking account with SunTrust bank as I already had a personal account with them. I was informed they were closing my personal account without notice or explanation of a reason. They never closed my personal account as indicated and allowed my personal account to go into the negative balance of {$92.00} by the month of XX/XX/XXXX. 

XX/XX/XXXX I personally walked into a branch to deposit a business check for a total of {$3600.00} as I brought this personal bank account issue to their notice and they mentioned it was their mistake and they would reverse the late fees and close my account as intended they were already suppose too in the month of XX/XX/XXXX. Also following that complaint on the same day XX/XX/XXXX Suntrust bank decided to put a hold on my business account and start the closing process on that account as well without forewarning me or giving me a reason as to why, IMMEDIATELY after making the complaint about my personal account still being active with a negative  balance and depositing legitimate funds in my business account on that same day for a total of {$3600.00} via business check and also XX/XX/XXXX for XXXX Via electronic ACH payment. 

A No debit was placed on my account I was NOT able to to withdrawal any funds what so ever or making any transactions. I am XXXX who pays XXXX XXXX to do work for my XXXX. I was NOT able to pay my XXXX XXXX any funds as Suntrust decided to put a hold on my whole account and not allow me to withdrawal or send any money by disabling my online banking with them as well. 

I pleaded for help day after day and yet Suntrust was reluctant to send me my funds or communicate with me. After 2 weeks of calling and going into branches I was promised that after 5 days of no activity including Reoccurring automatic payments then the account would officially be closed and they would send me a check with the remainder of the money following 10 days after. They were suppose to send me a total of {$4300.00} which were the two deposit combined mentioned earlier. 

On XX/XX/XXXX I was ONLY sent one check of {$520.00}. I was told that regardless of the late fees of my personal account of {$92.00} that was suppose to be reversed due to THEIR mistake they still made me pay for it as they took the money out my business account. They have kept the remainder of the funds and has NOT returned the business check for {$3600.00} that was deposited on XX/XX/XXXX. They have told me they are holding on to my funds without giving me a release date. 

I feel this is unethical and illegal in some manner. In order order for any business to be ran efficiently, banks should not be allowed to legally do this to a individual and their business. Please help me in this situation as I am out of options and they are not returning the money for my business. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus XXXX and Equifax about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I want the negative account removed from my XXXX, TransUnion, and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts. 

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my credit report although notices were sent stating that the debt should not be in collections yet. I was sent four separate debt notices by the company XXXX XXXX and their affiliates. 
The first notice received was on XX/XX/XXXX from a company called XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX, but no response was received from XXXX XXXX. 
The second & third notices were received on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX sent both of these notices. The notices stating that a debt was due by XX/XX/XXXX, but mentioned nothing about a debt collection being reported on my credit. The debt notice was answered on XX/XX/XXXX. A debt validation letter was sent to the company but no response was received from the company. 
The forth notice was received on XX/XX/XXXX from a company named Convergent outsourcing, Inc. Once again this letter showed a debt balance but explicitly states that this debt will not be reported if written notice is sent to XXXX XXXX XX/XX/XXXX. A debt validation letter was also sent to Convergent on XX/XX/XXXX. 
I currently have a debt collection on my credit showing that the company XXXX XXXX closed an account that they say I owe. The closing date is XX/XX/XXXX. How is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the debt can still be paid until XXXX XXXX XXXX? Also how is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the information will not be reported on my credit unless I do not respond to them by XX/XX/XXXX? The notices were answered by the consumer on time and the debts were addressed/ attempted to be resolved. XXXX XXXX still decided to report negative information on my credit even though contact was made to try to resolve the issue.
Product: Credit card or prepaid card

Team, Merchant XXXX XXXX had debited my credit card with amounts {$500.00} and {$420.00} on XX/XX/2019 and XX/XX/2019 subsequently as damage costs to the rental car which was not done by me.The amounts were deducted without any permission or authentication from me and when i had arranged a meeting with merchant to discuss on this dispute the merchant didnt showed up nor did any communication on call. 
Later when i questioned the merchant about the policy of submitting the pictures of the car where damage happened within 24hrs, initially merchant denied it and later emailed saying yes it can be submitted. 
i have attached the detail conversation of emails in this complaint. 

i had also disputed these transactions on my chase bank credit card but later after a month it was re billed to my card for which i wrote to bank for initiating the dispute. 

please forward these details to chase bank credit card department and merchant XXXX  to solve the problem.