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

I am submitting tis request to inform credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. Here is the list of following items that needs 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  Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with Equifax for an account with XXXX XXXX XXXX  that is still reporting. I stated it needed to be removed because the DOFD is showing XX/XX/XXXX and pointed out that there is a huge discrepancy in how this trade line was reported to the credit bureaus. 
This account naturally aged off my XXXX credit report XX/XX/XXXX and was removed from my XXXX  credit report XX/XX/XXXX. The DOFD reported to Equifax is an EIGHT MONTH DIFFERENCE from Experian. 
Equifax sent me an email on XX/XX/XXXX stating dispute is complete and added the remarks : Account previously in dispute - Now resolved by data furnisher. 
Obviously Equifax has done no real investigation and is merely parroting what XXXX XXXX XXXX  told them. 
How does XXXX XXXX XXXX  report a DOFD of XX/XX/XXXX to XXXX, and then wait EIGHT MONTHS to report a DOFD of XX/XX/XXXX to Equifax?? This is grossly erroneous and I have recently been denied an auto loan because this also is reporting as a recent derogatory. 
XXXX XXXX XXXX  has unlawful reporting practices. I filed a dispute against XXXX XXXX XXXX  in XX/XX/XXXX because they reported my account as Charged-Off and Sold to Another Lender, yet they were still reporting a balance even though they sold the account several years before. 
I have also asked XXXX XXXX XXXX  to provide documentation in XXXX to substantiate the information being reported to the credit bureaus. They produced no paperwork. It is illegal for any creditor to change the DOFD,  but clearly XXXX XXXX XXXX  has done this and Equifax just looked the other way. 
I want this XXXX XXXX XXXX  account removed from my Equifax credit report because the statute of limitations has expired and my reputation is being damaged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report. 

The only way a corporation can possibly report a payment as late under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted
Product: Credit reporting or other personal consumer reports

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

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

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

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


DEPT OF EDUCATIONXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Bank account or service

My complaint is that Suntrust bank has been processing my transactions in order from highest to lowest, rather than real-time. I further find them responsible for the following. 
a. Does not obtain affirmative consent from its customers prior to processing transactions that will result in overdraft fees ; b. Does not alert its customers that a debit card transaction will trigger an overdraft fee, and does not provide its customers with an opportunity to cancel such transactions ; c. Manipulates and reorders. Transactions so that it can increase the number of overdraft fees it imposes ; XXXX Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and, consequently, the amount of overdraft fees ; e. Imposes overdrafts and overdraft fees '' when, but for reordering transactions, there would otherwise be sufficient funds in the account ; XXXX Fails to provide customers with accurate balance information ; g. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution ; h. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions ; In lieu of the above on XX/XX/XXXX I contacted the bank for the overdraft fees against my account. Prior to this I received notice that no fees would be charged if I made a deposit by XXXX XXXX, XXXX : which I did for {$30.00} on XX/XX/XXXX to make my account in the black. 
XX/XX/XXXX Transaction Total Transaction : {$1100.00} Total Deposits : {$1100.00} My Actual Balance : {$3.00} Bank Balance : ( {$140.00} ) Bank Overdraft fees : {$100.00} A message was sent on XX/XX/XXXX based on this fact and that the overdraft was caused by in accurate information via my cell phone with amount available which caused my overdraft with details.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time disputing these accounts and no one is responding ... The CPFB is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX-XXXX-Unverified Account XXXX XXXX- XXXX- Unverified Account US Department of Education- XXXX- Unverified Account XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX XXXX- XXXX- Unverified Account XXXX XXXX- XXXX- Unverified Account XXXX XXXX  XXXX- XXXX- Unverified Account XXXX XXXX-XXXX- Unverified Accoun XXXX-XXXX- Unverified Account XXXX , XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Carmax XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A company named XXXX XXXX hired me for a new position, prior to my start date I had to do a few cases to show I was capable for the job. The last case was to purchase cell phones and mail them to their new York office. I purchased 3 cell phones, 2 cells phones with a charge of {$2000.00}, and 1 cell phone with a charge of {$710.00}. and both were shipped to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. They gave me two accounts that were supposedly their business accounts, one to pay off my credit card and purchase one XXXX, the other to pay the credit card I used to purchase the other 2 phones. About a week before my employment start date I realized all payments that were made by my new business credit account to my XXXX XXXX credit card was reversed, and payments made removed four weeks after paying off the card, but also the company was fake. so I lost my job, but they also stole {$2700.00} plus fees from me XXXX XXXX has done nothing to help me these past 5 years. I was clearly a victim of Identity Theft and fraud, which occurred on XX/XX/2018, and was reported to XXXX XXXX XXXX POLICE DEPARTMENT : on XX/XX/18, REPORT NUMBER : XXXX. 

XXXX XXXX reach back and said they couldn't find the receipts/charges. Hello! Because it's a fraudulent account!!!!
Product: Credit reporting or other personal consumer reports

Received a email from PayPal regarding several purchases
Product: Mortgage

My ex-wife made deals with originator and real estate agent to obtain money or credit from my home I purchased XX/XX/XXXX. It appears she received XXXX written approvals XX/XX/XXXX and XX/XX/XXXX via XXXX XXXX. I bought house thru XXXX in XXXX, WA. Apparently my wife tricked me and filed false information to obtain Gov program loan in XX/XX/XXXX. I apparently was tricked some time in XX/XX/XXXX or about year prior as I was told my signature is on page. Then records show anther XXXX loans with XXXX then sold to Setaris. Not one time have they acted in good faith or give me any records. County records show dates different than originals discovered. I also discovered this group involved in many more and I paid all of them as well as massive closing costs, lost escrow money and apparently this multi state group also sold home to themselves as it looks like forgery on older home I sold. I am forced out of home after wife put squatters in and then moved back in getting embellished restraining order that also keeps me from offices at home to run businesses. Everyone is playing games and last contact Setaris lied and said new address had forclosure sent. This has been told to me sense XXXX XX/XX/XXXX yet never any official document sent to my PO Box . I have been discriminated against in every way and lied to repeated times and now threatened to drop issue and lose XXXX home when I was trying to sell it. This is strong arm that has other issues as well. The big thing is real estate lady is family who now has XXXX homes and my ex wife who did n't work juggles more and transferred titles yet legally was XXXX for 17 yrs. I wrongly lost hundreds of thousands over the years starting in XX/XX/XXXX with XXXX XXXX loan, XXXX with XXXX XXXX Bank, XXXX with XXXX, XXXX with XXXX, XXXX, XXXX XXXX loans and XXXX XX/XX/XXXX. Its crazy as I also had all profits, down payments and more stolen in between. How can they break consumer laws and just lie?
Product: Mortgage

I had done a modification in XXXX. And my first payment was on XXXX .and on XXXX/XXXX/XXXX I recast my loan with Wells Fargo to be in a fixed rate because I knew my rate was going to go up being in this modification. And when you recast your loan the rate stays fixed and the term stays the same the entire loan The payment is what gets lowered. As all this infomation is on Wells Fargo papers too. 
XXXX XXXX is trying to do a fraudrulent act on my loan saying I am still in the modification That 's why it 's going up. Well that not true at all there causing a fraudrulent act on my loan And I want them prosicuted to the fullness extent. And I want Wells Fargo to pay my loan in full due to they are trying to Cause a fraudrulent act on my loan. And I am not the only one Wells Fargo has done this to its all online in the news what Wells Fargo is doing. 
They need to be put out of business how dear Of them do this to my loan.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Several weeks ago I applied for a credit union checking/savings account which caused them to check my credit with Chxsystems. Chxsystems reported a problem with a XXXX XXXX  account which had returned a check for {$1400.00} because it was fraudulent. My account was declined. I called Chxsystems to report that I don't have an account with that bank and am unaware of this transaction. They investigated and subsequently reported they removed the incorrect information however it is still being reported. Subsequently I received a notice from XXXX XXXX  ( result of merger with XXXXXXXX XXXX in XXXX ) reporting this {$1400.00} transaction was " charged back '' + {$10.00} for handling and they included an image of the returned check with the return reason as altered/fictitious. The image is of what appears to be a check for {$1400.00} from the Treasury Department and it is noted to be an " Economic Impact Payment. '' I spoke with XXXX Bank who referred me to XXXX XXXX  who referred me to some entity called XXXX XXXX Bank. Today, I received a second notice from XXXX XXXX  for a charge back for {$4800.00} plus a {$10.00} handling fee for a check from XXXX XXXX XXXX. None of these banks would offer any assistance with how to close an account I never opened or how these fraudulent transactions can be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I was sent money via Zelle, the money left the sender 's account, but I never received it. Zelle did not return the money to the sender 's account. Zelle 's terms state money not received will be returned in 14 days. 

Trying to resolve the issue : 1. My bank says the money was not sent or received, inform the sender.

2. The sender 's bank says the money was sent, and has been debited from the account, to contact the receiver.

3. Zelle says to contact the banks, it's an endless loop, while the money is at Zelle.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. XXXX  # XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally 2nd dispute against Transunion regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the COVID-19 pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Transunion Account Status Inconsistencies : 30 days late in XX/XX/XXXX. 

High Balance Discrepancies : XXXX reflects {$1100.00} as the high balance, this is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Transunion ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section 4021 ), creditors were required to provide special accommodations for consumers affected by the COVID-19 pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law. 

Requested Action : Immediately correct every single discrepancies on this XXXX  XXXX account. Correct all late payment entries during the period covered by Cares Act XXXX from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the COVID-19 pandemic receiving the Unemployment Benefits from XXXX XXXX  State in my XXXX  XXXX XXXX  Account in the same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the 30-day timeframe allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Product: Debt collection

Trying to collect a charged off debt. Bank nor a debt collection agency..requested reinvestigation
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the late opening of my account with your institution. Despite multiple requests for resolution, the issue remains unresolved, causing significant inconvenience and eroding my confidence in your institution 's service. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed. Since then, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening requests. Timely updates are essential for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$74000.00} ; XXXX XXXX  XXXX XXXX Balance : {$74000.00}.
Product: Credit reporting or other personal consumer reports

Despite careful examination of my credit report, I identified inaccuracies. The three credit bureaus are legally obligated to verify this account according to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is impermissible to refrain from validating these reported account as unverified without providing supporting evidence within the stipulated legal timeframe. The listed account on my credit report that necessitate an investigation and correction due to erroneous reporting is as follow : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All my information was in correct and i'm a victim of Identity theft.