23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX  {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on deferment with thin long and in the process of being on deferred loan I XXXX was applying for XXXX through net tell and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Product: Credit reporting or other personal consumer reports

Subject : CFPB Case XXXX XXXX Credit Account Number Ending in XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You stated that this account was properly investigated and you are currently reporting accurate information. HOW SO IF... 

Date of Last Activity is reported inaccurately XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Date Of Last Payment is reported inaccurately. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 This is grounds for removal. 

1

5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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. 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e
( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Delete this account
Product: Checking or savings account

I was promised a bonus of {$300.00} when opening a checking account. I completed all terms required to get the bonus. The maximum time frame of 120 days to post the bonus has also passed since completing all the terms. 

Checking Account opened on XXXX XXXX. 
All Terms completed on XXXX XXXX
Product: Checking or savings account

Back in XXXX of 2022 my checking and savings account was closed with Capital one because I was transferring my funds from my previous bank over to capital one and I deposited the check online to see if my money would go into my account quicker but they wanted to place a hold on the check so I asked them to cancel the check and I would bring the cash into the nearest branch location and they told me that I was doing fraud and decided to close my account because of that.
Product: Credit card or prepaid card

This program did not offer the correct issue for this problem. This credit card had a XXXX balance for two years and by mistake I posted a payment that should have gone to my electric co. 

In XX/XX/XXXX we had paid off a XXXX/Capital One credit card # XXXX XXXX XXXX XXXX. I have documentation of that Card being paid off in full. I kept the vendor active within my ON-Line banking " pay bills '', I did not inactivate the account. 

In XX/XX/XXXX I received a XXXX XXXX ( electric ) bill for XXXX, I thought I sent the payment electronically to XXXX XXXX until I noticed a few days later, I incorrectly sent the payment to XXXX/Capital One, as P was right after N in my online billing. As soon as I noticed, I called my Bank ( XXXX XXXX ). They said to contact the vendor ( Capital One ). Capital One and XXXX  have dissolved as partners and my account no longer exists. I've written two letters with all the attachments, I've spoke to Capital One a total of 5 times since XXXX with no resolution, no help. I have the bank transaction of Capital One taking my XXXX, I can also prove that I had to pay XXXX XXXX within the next two days the sum of {$400.00}. I have the bill. I just want my money reimbursed from Capital One. I had got this dispute elevated to Monetary Research and no one has contacted me either written or by phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX account number XXXX, has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

Basically me and some co workers of mine were noticing some charges being made or already approved transactions on cash app from XXXX to XXXX. Purchased was coming in as me using my card but the timing and event didnt add up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Sometime in early XXXX I opened my Wells Fargo bank account, they had offered me a college level credit card because they stated they seen a young working man. I applied and later got the credit card, since then I believe they have been wrongfully charging me excessive fees. Finally in early XX/XX/2018 I reached out to Wells Fargo stating that I had felt that I was wrongfully charged in the fees I was receiving while having the credit card. Wells Fargo replied with a letter that I received in late XX/XX/2018 stating they would look in to the matter. In early XX/XX/2018 Wells Fargo sent me a letter stating they did not want me to take legal action because they felt they had not wrongfully charged but also stated they would take care of the credit card fees as long as I paid the remaining balance of the credit card which was {$330.00}. I paid the {$330.00} at the Wells Fargo on XXXX and XXXX XXXX in XXXX, New Mexico on XX/XX/2018. At this time I was informed there was not a remaining balance by the bank teller at this branch. On XX/XX/2018 I received multiple letters from Wells Fargo stating that at the time I had remaining balance of {$3.00} which caused multiple future credit card fees in which I refuse to pay because I was told by the bank teller that my credit account was paid off. I have informed Wells Fargo at this point I am fed up with their shady fees and have stated to them I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit which highlights issues with the platform. Despite using Zelle multiple 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 several users vulnerable to scams. The lack of accountability as well as transparency is not acceptable and raises serious consumer safety concerns.
Product: Debt collection

I have been a customer with chase bank for almost 4 years. Before my medical emergency, I had never missed a payment with them or any other company. I was removed from work in XXXX for XXXX XXXX. I didn't have any income at all while I was out. I had just purchased my first home right before I got hurt so I had a new mortgage and utility bills for myself and two families. I called chase as soon as I knew I wasn't going to be working. They said over and over it was okay we could work it out when I got back to work. Then a month in they started putting me as delinquent. I tried to pay but you can't get something from nothing. All of my money was going to heat and electric and food. I even wiped my retirement account just to keep the house afloat. I contacted chase again and asked them to just hold on for two months until I was back at work. They said okay that's fine to take care of your health. Then the next month they closed my accounts. I'm drowning in it. I can't believe after years of an excellent business relationship this multi-million dollar company couldn't give me a three-month stay. I'm back to work now, one month behind on my mortgage and hundreds of dollars in fees later from chase. But I'm chipping away at it and they just keep threatening my credit score and sending it to collections if I don't pay them an immediate sum thats more than Ill make in a month! I just need help. I feel like they are bullying me around. Now I have mountains of interest because I was hurt.
Product: Credit reporting or other personal consumer reports

I disputed a bankruptcy ( public record ) on my Equifax credit report and it came back as verified with XXXX XXXX. 

I have contacted XXXX XXXX in the past and the public record was deleted from their records. 

When I disputed with Equifax it keeps coming back as " verified '' which is incorrect. 

I called XXXX XXXX several times and they cant find the bankruptcy public record on file. 

Therefore, I don't understand how Equifax keep verifying with XXXX XXXX regarding the bankruptcy. Please remove from my credit report due to unverifiable information from XXXX XXXX. the company Equifax keeps going off already investigated results from past disputes. I also included a copy from the county court and XXXX XXXX where it was filed and they don't release information regarding bankruptcy and XXXX XXXX sent a letter stating and verifying they don't have any public records for bankruptcy it has been deleted. 

I have attached proof from XXXX XXXX and County Court Records .... 

Please have Equifax delete the babnkruptcy from my credit report immediately, They're reporting false information.
Product: Credit reporting

I am trying to apply for a mortgage loan, and all banks are not able to pull my equifax credit report. I have spoken with equifax multiple times where they have guarantee me that there is nothing wrong with my report and that everything is correct. I 've had different backs attempt to pull my report with NO success. They are only having a problem with equifax. They are able to pull XXXX and XXXX with no problem. This is costing huge problems with my living arrangements. 

I need my bank to have the ability to pull my credit report as soon as possible.
Product: Debt collection

On XX/XX/2020 I mailed a certified letter to AD Astra requesting the debt they claim belongs to me. 

On XX/XX/2020 I received what looks like a letter with original creditor and loan type, but no supporting documents or proof of signature baring this debt belongs to me. 

On XXXX XXXX another certified letter was mailed out again requesting the same information again, Also demanding that if this proof could not be provided that it this erroneous debt be removed at once from All reporting Credit Agencies. Yet again I was received on bill dated for XX/XX/2020 with the same bill that was I received in XXXX. This information still did not bare any proof that this debt belongs to me. 

At once I am requesting this information be removed from all of my credit reports. There has not been any significant proof that this debt belongs to me. I have reached out to Ad Astra in attempts to handle this with the consumer with out any success. I have provided proof of the two bills they have mailed baring no proof that this debt belongs to me. I have not received a signed contract or any signature for that matter as any type of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company put a fraudulent credit inquiry on my XXXX credit file, and now, you all are standing behind this miscarriage of justice. Your company has called me a liar. As a XXXX and a lifetime member with the XXXX, I am ready to fight for my rights. 

Your company had the impudence and the unmitigated gall to be slick at the mouth, and I am forced to do this. Your company had used XXXX undertones when I called your company from a different number. I have no other choice but go on the offense. 

I am in the process of initiating an all-out boycott against your company. I have reached out to XXXX. XXXX  XXXX ( XXXX XXXX XXXX ), XXXX. XXXX XXXX, and my local chapter, XXXX XXXX XXXX, ( XXXX XXXX & XXXX XXXX ) XXXX ( XXXX XXXX ), and XXXX. 

Your company will hate you all attacked a Veteran and compound the problems with XXXX and prejudiced undertones. You think this boycott will not work because you all hardly patronage with XXXX, and your company has a high disregard for my people. I will make you all regret this foolish and XXXX decision. 

You will have grief for your proud, superficial, and untrustworthy idioms. I have set up another email that truly represents your company. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received correspondence stating that my balance on a closed account was one amount. On a credit report dated XX/XX/XXXX the amount on the account is not the same as on the previous correspondence sent by them on XX/XX/XXXX. I asked the company to remove the account off of all three credit reporting agencies because of inaccurate information. The company didn't respond at all and left everything as is on the credit report. I submitted the paperwork proving the two different amounts and they totally ignored my proof.
Product: Credit reporting or other personal consumer reports

I disputed this information months ago to no response and I need it off now!
Product: Credit reporting or other personal consumer reports

My ex-husband was responsible for the joint mortgage account per divorce court order up until he refinanced to buy me out. He did not make the payments and therefore it caused the late payments to show up on my credit report. He was legally responsible for the payments, therefore they should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Product: Credit reporting or other personal consumer reports

I am fillinf this compliant again, to inform you, that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$6100.00} GXXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$2400.00} XXXX XXXXXXXX XXXX Balance {$6100.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1100.00} BXXXX XXXXXXXX Balance {$2400.00}