23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a letter on XX/XX/2022 to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # & I am including it again. 

XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XX/XX/XXXX- XX/XX/year>2023 XX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXX- XX/XX/year>2023 XXXX XXXX - XXXX/XXXX/2023 The following inquiries were not and should not be reporting.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of 1974, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.
Product: Checking or savings account

I am woth XXXX XXXX XXXX and I used their money transfer Zelle in the XXXX  XXXX XXXX App to send payments for a XXXX  i was supposed to receive. I later learned this was a scam and XXXX  XXXX XXXX nor Zelle would return my money. {$700.00} was taken. XXXX XXXX XXXX  was the site I ordered a puppy from XXXX was scammed by.
Product: Debt collection

This debt occurred in XX/XX/2011. That was 8 years ago and should not legally be on my credit report. It was incurred by my ex husband XXXX XXXX who fraudulently applied and used the funds sent to a joint bank account that was not closed. I demand this be removed immediately This account has been sold to a third party collection agency several times .... this should be illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls
Product: Credit card or prepaid card

In XXXX I uploaded three checks on my American Express Serve account and money was deposited and all of sudden reversed spoke with the company and they would direct me to XXXX XXXX and XXXX XXXX would direct me back to American Express, the management of American Express Serve said they have never seen a situation like this before and never credited me my money back, and another issue I have money that was sent from one Serve Card to this same account and American Express claims I never accepted money and therefore I can't have XXXX dollars. I am so tired of calling them and getting nowhere XXXX XXXX services as well they almost seem fraudulent and I very saddened they will not give not even a penny of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the letter I received on XX/XX/2020, Case # XXXX, Consumer # XXXX. I requested a description of the procedure used to determine the accuracy and completeness of a disputed bankruptcy on my consumer report. I have not gotten a response from Lexis Nexis. I was told over the phone that they get the information directly from the courts. I have received a letter from the bankruptcy court confirming they do not give out personal information to 3rd parties. I asked that they verify that it is in fact my bankruptcy and they failed to do so. The bankruptcy remains on my consumer report as incomplete and inaccurate information. They failed to verify my full name, full social security number, amount of debt in the bankruptcy and my full address associated with this bankruptcy. Because of this inaccurate and incomplete information being reported the credit bureaus are reporting it because they get this information from Lexis Nexis. I am attaching a letter from Bankruptcy court supporting my issue.
Product: Checking or savings account

Regions bank was charging me for unnecessary fee to my accounts causing it to overdrawn every week
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I filed a dispute with both XXXX and XXXX regarding account XXXX ( collector ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX CA, XXXX, ( XXXX ), amount has increased from {$370.00} to {$460.00}. The original owner company is XXXX XXXX XXXX XXXX. According to GA Law O.C.GA 10-4-213, the original owner company failed to notify occupant in writing of itemized list and sum due, which forfeited occupant 15 days of right to recover. Further, the original owner company failed to notify occupant of sale or disposal of items. I am the occupant and this is regarding my items in a storage unit. The account was placed on my credit report around XX/XX/XXXX and should not have been because original owner company did not comply with the GA law and I do not know how the last balance increased to {$370.00}.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I signed up for a checking and savings account at citizens bank on XX/XX/XXXX with the promotion as detailed below : " Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months ( this must be the initial deposit according to comments ) Get an additional {$100.00} when you do both '' I have been credited for the checking account portion of this promotion, but have yet to receive the other {$200.00} & {$100.00}. 

I have contacted citizens bank on numerous occasions to get this resolved, but they have not credited the account in accordance to the stipulated pay out date which was listed on the application. 

I have contacted citizens bank via their online Secure Messaging portal on various occasions over 3 months for a total of roughly 15 messages. I have contacted them over the phone on XX/XX/XXXX, which they did not answer the phone and again this morning on XX/XX/XXXX which they hung up on me after 47 minutes on the phone. 

Citizens bank should credit my account for the correct portion of the bonus as stipulated in the application and as I have met all of the terms. 

This is unacceptable and not what I signed up for.
Product: Credit card

I made a purchase on XXXX with my Capital One account. On that purchase, approx. {$6000.00} was on my Capital One credit card, {$2000.00} was on gift cards. Capital One declined the purchase, and sent me a text if it should go through. When I confirmed it was legitimate they told me to retry the purchase. XXXX said the purchase went through and tickets were confirmed, but the order was cancelled since the card did not work. XXXX used my gift cards and took them because 'the purchase went through '. Because Capital One declined my card -- for no reason -- they confirmed I had {$21000.00} left on my credit limit for a {$6000.00} purchase... I lost {$2000.00} worth of gift cards and was not able to get my tickets. I would like a full refund so that I can recoup my losses and try and purchase tickets that I was promised.
Product: Debt collection

I contacted Grant & Weber on XX/XX/21 to inquire about a collection that I did not recognize, but is currently reporting on my XXXX report. I provided all of my personal information, including social security number, and the agent was unable to locate an account. I then requested for them to remove the collection from my report and was advised that since they could not locate the collection that there was " nothing they could do '' about it. I was told to contact XXXX, which I have already done and was told to contact Grant & Weber. I'm going in circles. 

I have attached a screenshot of the collection which shows that Grant & Weber last reported it on XX/XX/21. Since they reported it, they should have a record of it, correct?
Product: Payday loan, title loan, or personal loan

This is now my XXXX complaint with this creditor. The original creditor on this account is XXXX XXXX XXXX XXXX . However this account was sold off to Jefferson Capita in XXXX XXXX. Jefferson capital has admitted in their response that they're the current creditor and head creditor of the account. They also admitted in the letter that they started reporting on the account in XX/XX/2023. They're not aloud to report on my credit with it being a sold off account and report them selves as the head of the account and report on my credit. It is illegal to do so. Id like this account fully closed and taken off all XXXX of my credit bureau files
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$680.00} XXXX XXXX {$81.00} I tried to dispute these items off my Equifax and credit report because I not sign a consent or give permission to pull my credit report. It is also a HIPPA Violation to put any medical information on their credit report. No action was taken by Equifax or any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX XXXX  XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX XXXX XXXX- Acct # XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CARRIED OUT MANAGEMENTS WITH THE CREDIT AGENCIES FOR ACCOUNTS THAT ARE NOT MINE AND I AM WORRIED THAT THEY STILL HAVE CREDIT AND I HAVE NOT RECEIVED LETTERS, I request the removal of these accounts that are affecting me and are not mine : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXXXXXX XXXXXXXX ACCOUNT NUMBER XXXX
Product: Credit reporting

XXXX is reporting a debt on my Transunion credit report as an " Open Account '' and as a " Factoring Company Account. '' A factoring company buys debt that is in good standing, not debt that is in default. In order for monies to be factored, the debt must be in good standing. The debt that XXXX XXXX is reporting was a closed Charge-off account. By the very action of purchasing " charged off '' bad debt it should prohibit XXXX XXXX reporting as a factoring company. XXXX XXXX is violating the Fair Credit Reporting Act at 623 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May concern : I am writing to see if  ACS Education  would make an adjustment to an error in your reporting to the  XXXX  credit agencies. I have  XXXX  late payments on my account that date back to  XXXX ,  XXXX , and  XXXX     2014  when it happen. During that year "  2014  '' I was late 2 months which resulted in  XXXX  being 60 days late. I have an email showing that on  XXXX   XXXX   2014 . I submitted for a short deferment for my situation so I wouldnt get back in the situation I was once in, prior years before. I was also was informed on the phone that it takes 5 to 7 days for processing. Which would have been in range before my next payment on  XX/XX/XXXX   before a late payment would go in effect for the 2nd late payment on my report. I have the email to show as well. This kind of action is wrongful practice to your clients and reporting in error, as if your client never communicated with you and I have been in deferment before without an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. 

Please provide me a copy of a signed credit application or document showing I specifically gave your company the authorization to review my credit. If you can not provide me the requested proof within 15 days I request that you immediately DELETE this item from my credit report. 

Please note any template letters, or off subject information requested will be taken as an avoidance tactic by your company.
Product: Money transfer, virtual currency, or money service

Zelle is a third party who has contacted with my bank to enable money transfers. 

On XX/XX/year> a tenant of mine paid rent. Subsequently he had a fraud alert and suspended his Zelle account with XXXX XXXX XXXX XXXX. I reviewed a confusing email stating my Zelle account was locked. 

I contacted my bank TD Bank to resolve the issue and unlock my Zelle account. They were unable to provide a phone number for Zelle so that I & my tenant could clear up the confusion that locked both our accounts. We ( my tenant his mother & I ) were able to speak with XXXX XXXX support 3 times during XXXX and once in person at their XXXX PA branch office but they reported that they ( TD Bank ) are only able to open tickets with Zelle- they do not have the ability to speak with Zelle. Each request was denied without any additional steps for how to escalate or proceed. 

I have contacted Zelle app support - who state that they can not see the bank account linked accounts - nor can they assist w/ resolution or escalation. 

I have contacted their Parent company as well - who also does not have a dispute resolution department. 

My rent monies for XXXX + {$5000.00} are stuck in Zelle and my tenants need to wait for Zelle to refund the money so that they can pay by check. I am at risk of incurring late fees on my mortgages. 

There is no person assigned to handle customer issues like this I need help contacting someone at Zelle ( or their parent company ) to help resolve my locked account & unfreeze the money that is stuck in this digital transfer.
Product: Credit reporting or other personal consumer reports

I give Transunion and XXXX permission to proceed with this complaint. 

I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed.Transunion and XXXX has failed to throughly investigate these fraudulent accounts. I have battled for years now with them. I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. 

FTC Report Number XXXX : XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$720.00} *XXXX XXXX  XXXX {$1000.00} Variances of Name : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 60651 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I AM The Victim Of Identity Theft ; Whereas, Fraud Accounts Reporting Via My Credit Report Profiles. Moreover, The Following Documentation Sent To Validate My Claim Via Local, State, Military, And Federal Law Enforcement ; And, I AM Legally Responsible Via Any And All Submissions : My Correct Address Is : XXXX XXXX XXXX XXXX!!!!!! 

- Identification - Bank Statement - FTC Documentation - Residential Utility Bill - Notarized Proof Of True Identity FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX