23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I did a dispute two weeks ago as well as last week regarding creditor XXXX XXXX advising that the status was showing to be under the incorrect status of ''Open '' and not closed. I received the update to my credit report on XXXX/XXXX/16, but since then the credit reporting agency has placed this account back on my credit report as of XXXX/XXXX/16 & XXXX/XXXX/16 as open. This account should reflect in the paid status as before listed on the attachment stating ''Equifax report XXXX on XXXX/XXXX/16. This has caused several plummets to my credit-score due to this account looks like the account is still open and active I have attached the credit report for XXXX/XXXX/16 showing the now ''incorrect status '' and the XXXX/XXXX/16 report showing what the report was and should be for this creditor and appearing incorrectly now. I have also attached a phone conversation between myself and equifax management advising me on XXXX/XXXX/16 that this matter had been completed but it has not been completed and report is showing updated with the same information as before.
Product: Bank account or service

Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room XXXX.
Product: Credit card

Consumer Financial Protection Bureau : Subject : Dispute of Charge-Off on Capital One Accounts Dear Consumer Financial Protection Bureau , I am writing to dispute a charge-off listed on my credit report formally. The charge-off pertains to Capital One accounts, which Capital One reports.

I have diligently reviewed my credit report and found discrepancies regarding the charge-off listed. After meticulous examination, I have grounds to believe that the charge-off is inaccurate and unjustified. Below are the details of my dispute : Inaccurate Reporting : The charge-off listed on my credit report inaccurately portrays the account 's status. Per my records and the terms of the original agreement, the account was never in default or charged off by the creditor. 

Lack of Notification : I have not received formal notification from the creditor regarding the alleged charge-off. As a responsible consumer, I expect to be informed of any significant changes in the status of my accounts. 

3. **Documentation** : I request documentation from the creditor validating the accuracy and legitimacy of the charge-off. This documentation should include details of the original agreement, payment history, and any correspondence related to the alleged default. 

4. **Resolution** : I seek a prompt investigation into this matter and request that the charge-off be corrected or removed from my credit report. This action is crucial to ensure the accuracy and fairness of my credit profile.

I kindly request that you investigate this matter per the Fair Credit Reporting Act ( FCRA ). Please inform me of the steps taken and the outcome of the investigation within the timeframe specified by law.

The creditor never sent over a 1099C form regarding the charge-off. 

Thank you for your attention to this matter. I am confident that with your assistance, we can resolve this dispute and ensure the accuracy of my credit report. 

Im asking that all accounts associated with Capital One be deleted immediately. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXXXXXX, Account number XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXX XXXX, {$25000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

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

XXXX XXXX, Last 4 SSN : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), an account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX NC , Open date XX/XX/XXXX under the account number ( XXXX ) and a Hard Inquiry Republic NC. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Starting fall XXXX, I tried on multiple occasions to clear up an unjustified penalty payment. Mr. Cooper was unwilling to reverse an unjustified penalty fee incurred when their system failed to accept a longer-than-usual checking account number. This happened when I was trying to switch from one checking account to another ( both XXXX XXXX ) for auto-payments. This technology glitch on their part resulted in two missed payments, and they levied penalty fees for each month missed. Until this event, I had never missed a payment. I paid both missed payments immediately. They reversed one penalty fee but not the second penalty fee ( one for each month ). Their customer specialist XXXX XXXX even admitted that there was a technology issue on their part. 
After months of recalcitrance on their part, I protested the penalty payment at XXXX XXXX XXXX. I won the case on XX/XX/XXXX. They were notified that they should pay me {$190.00}. More than 90 days passed. I sent them a polite reminder letter on XX/XX/XXXX, certified. Still no response. For such a small amount, it is beyond belief that they would defy the law and refuse to pay what is legally required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry with TansUnion. No response The below named company that accessed my report via TransUnion was contacted and reported not having an authorization from me. 
XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXX
Product: Mortgage

Our mortgage was sold XXXX  days after we closed which is common practice. 

We were not notified of our XXXX payment date. We were not provided with a mortgage statement, we did not receive an e-mail, call or any communication. 

We received a welcome packet, no payment date, stated an estimated payment, but again no due date and it the packet clearly stated not a payment. 

Our statement arrived in the mail XX/XX/XXXX, dated XX/XX/XXXX, showing XXXX house payments due, XXXX past due. 

We called, were told we can not be helped, but you can just not make your house payment ... .. {$4600.00}.
Product: Credit card or prepaid card

I disputed a charge for {$120.00} with fnbo that was incurred in XXXX XXXX on XX/XX/22. 
Although I was in XXXX at that time, I was not in that city nor did I go to that hair salon. 
I received this response from fnbo : We have completed our investigation and at this time find the transaction to be valid. It was determined that your card was physically present at the time of these transactions. These transactions are part of your normal spending pattern, took place in your home area, and there are charges before and after and in between that you state are valid. 
I have made repeated calls to fnbo to discuss this matter and have waited on hold and disconnected several times. When I did speak to someone they eventually only resent a copy of their original letter. 
I am stating that this charge : 1. Is not a normal spending pattern. I do not spend that amount at hair salons 2. It did not take place in my home area but in an area i was not in.

3. The phone number fnbo supplied is not a working number. I am unable to contact the merchant as fnbo suggested.

4. I believe this is fraud
Product: Mortgage

1. Bayview Loan Servicing agreed to do a new appraisal 2. The value agreed with the offer of {>= $1,000,000} 3. Bayview denied some costs, but the agent will pay the costs from the Real Estate commission. 
4. Bayview Loan Servicing indicated to give approval if some seller costs will be paid by someone other than them. 
5. Why are they are desperately trying to sell the property at Foreclosure Auction at the same price, but refusing to give approval for the current buyer to close. 

1. Bayview Loan Servicing gave conditions for approval and the conditions were accepted by the seller and the buyer, but they are delaying giving us approval, so that we can close, despite the fact that we have accepted their terms.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> I filed a police report for identity theft. I reside in XXXX, Alabama and I have been in Alabama for XXXX  years. My credit file got leaked in several data breach. Someone in XXXX XXXX NV was using my identity. I did research on my own and called the creditorers and was given a XXXX XXXX NV address as XXXX XXXX XXXX XXXX XXXX and well as several other XXXX XXXX addresses. These accounts were all open fraudulent and all the credit cards were sent to this XXXX XXXX Nevada address XXXX XXXX XXXX XXXX XXXX NV please verify with the clients as I have already. The statements and cards all went to this address. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Property Receivable ) XXXX I've submitted my ID a piece of mail, a bill in my name. And XXXX you and Experian have all these documents that were submitted to your company via CFPB portal but yet you are still sending me mail asking me to verify and send you these documents and I have submitted several times. If this matter isn't cleared up by XX/XX/year> I'm contacting a Attorney I expect these items to be blocked from my credit file immediately!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 were unfeasible. The CFPBs findings indicate thats zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Removal of Credence Debt Collection from My Credit Report Dear Experian, I am writing to formally dispute the Credence debt collection account listed on my credit report. I have previously opened disputes regarding this account, and each time I was informed that the matter had been thoroughly investigated. However, given the recent lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate disputes, I am compelled to challenge the accuracy of these previous investigations. 

As a result, I have taken the additional step of filing a dispute directly with the CFPB. I am now requesting that Experian validate this alleged debt by providing all original documents related to the account, including any agreements or proof of ownership of the debt. If you can not verify the validity of this debt as required under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you delete the Credence debt collection from my credit report immediately. 

Please understand that I take this matter seriously, as the presence of inaccurate or unverifiable information on my credit report negatively impacts my financial standing. I expect a thorough and fair review of this dispute. Additionally, I request written confirmation of the results of this investigation and any updates made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe mandated by the FCRA. Should you have any questions or require further information from me, please contact me at XXXX or XXXX. 

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

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

JPMCB, Chase has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

XXXX XXXX  has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My former mortgage company transferred my mortgage to XXXX in XXXX, told me in XXXX. Right path applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least 3 complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for 5 months in a row from Rightpath Services. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.
Product: Debt collection

XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX.  This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX date XXXX. This should serve as proof of the mistake by them.
Product: Money transfer, virtual currency, or money service

Send money to the wrong number and I lost it because Zelle said there wasnt anything they could do.
Product: Credit reporting or other personal consumer reports

In response to my initial CFPB complaint on XX/XX/2023, LexisNexis requested additional proof of identitya clear copy of my driver 's license or social security card, along with the most recent utility bill or credit card statement indicating my current addressin their communication dated XX/XX/2023. This requirement, not stipulated on their website for accessing a consumer profile or initiating a dispute, raises serious concerns about their compliance with established procedures. 

In response to my complaint filed on XX/XX/2023, LexisNexis claims to have reached out via email on XX/XX/2023, but did not receive a response. I responded the same day requesting information verify the email was coming from LexisNexis/representative, since they were requesting sensitive identity information via email. I received no response. 

This discrepancy, along with their persistent refusal to grant access to my profile despite receiving all requested documents, points to a potential violation of federal laws and indicates the use of delaying tactics. They falsely claimed they did not receive a response when email records clearly indicate that I responded twice. 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX 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 XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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 XXXX TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX 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 XXXX