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

There are two accounts. One is XXXX XXXX for {$3000.00} that I have been trying to get removed from my credit report multiple times I sent them my documentation showing that I was in prison during the time that this was opened. They refuse to send me any documentationthat shows that I open the account. They sent me a statement. No signed documents nothing. The other account is. XXXX XXXX. XX/XX/year> I sent them the same documents showing I was in prison when this account was opened so there is no possible way that this account is mine and they refuse to remove it. All three credit bureaus refused to remove this off of my credit as well. They are both showing that they are the original creditor and that is incorrect. Because they are collection agencies. I dont know what else to do, but to file a complaint against all three credit bureaus for not removing this information as incorrect. The dates are incorrect. The amounts are incorrect and the person responsible for these are incorrect. Please help I dont know what else to do. I am trying to buy a house in the credit bureaus work for the companies, not for the consumer.
Product: Credit card

A judgement was placed against me on XX/XX/XXXX XXXX  by a law firm representing the credit card company in the amount of {$2000.00}. 

I received notice that a property XXXX was recorded against my property on XX/XX/XXXX, 6 years and 4 months after the judgment date. 

I would like to know if the law firm has the legal right to place a judgement XXXX on my property at this later date and have unlawfully filed? 

Other than my address information, no credit card number or information was given by receipt of the letter notification of the judgement XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I DID NOT make and Experian is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to Experian to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are XXXX : XX/XX/2019 XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Mortgage

I made payment to bayview loan servicing my account # Borrower XXXX XXXX XXXX Loan Number XXXX  Monthly Payment Due {$2700.00} Bayview Loan Servicing refuses to post my timely payments so that they can hit me with a late fee!!!!! They have my {$2400.00} in suspense and did not post my other paynment of {$270.00}
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in removing some of the incorrect credit information from my file, which resulted from an erroneous credit report entry. However, there are still remaining items that need to be addressed. This is my new complaint regarding erroneous credit information, and I am presenting this to dispute specific items in my file stemming from the issue. The items I am disputing are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Please remove any items in my credit file that resulted from incorrect reporting : Experian : XXXX XXXX XXXX ; XXXX XXXX ; UNABLE TO FORWARD MAIL XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/year> XXXX These items are unfamiliar to me. Additionally, some information has been deleted by other bureaus, casting doubt on its accuracy. The reported payment history on these accounts is also a mystery to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review all attached documents for specific dates and examples of trying to resolve this matter. 

I notified XXXX XXXX XXXX XXXX that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, TransUnion, XXXX and XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. 

Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. 
The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. 

XXXX XXXX XXXX XXXX is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with faire credit reporting act this creditor ( XXXX XXXX ), has violated my rights. Under 15 USC 1681 sec 602 states I have a right to privacy. 15 USC 1681 sec 604 A sec 2 also states a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B, a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I this occurred while I was away for military assignment back in XXXX. I provided my orders to the creditor but nothing was done about it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my Apple Card account with GS Bank USA due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my Apple Card account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but GS Bank USA has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : GS Bank USA has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but GS Bank USA failed to notify me.

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with GS Bank USA. The re-reporting of false information has severely damaged my credit standing.
Product: Checking or savings account

Wells Fargo had broken federal consumer protection laws and used " illegal '' practices when managing my bank accounts...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your response which you have received from Equifax, regarding your case/file # XXXX. In your response from Equifax, they stated that they are still working on the issues in question, in which case, also please be advised that my dispute with Equifax was originally filed in the beginning of XX/XX/2018 Since that time, they have removed the fraudulent charges from my account twice, and corrected my credit score, and twice reapplied those same charges, and dropped my credit score again. If that weren't enough, they also reapplied charges to yet another credit card, which had been payed in full, and had previously been removed from their page. I don't know what the problem is there, but this has been ongoing for more than sixty days, and every time that I contact them, they always tell me to file yet another dispute. Also, please be advised that Equifax has not indicated that there is any form of ( current ) investigation in progress.
Product: Mortgage

My home was damaged by water in XX/XX/XXXX, mitigation services were completed, as was the repair work. I was issued a final insurance check inXX/XX/XXXX, which had to be sent into CHFA. I called CHFA to confirm all of the steps that needed to be taken and I sent in the check. They then called to tell me the check is being sent back because the proper documentation was not provided ( which was never discussed in the phone call ). I returned their call to confirm, twice, which documents they needed. I supplied them with the documentation that was requested. I then called to confirm, again, that they had received the documents and that everything was set in order for them to release the money. I was assured that they had received everything they needed and that they would issue me two separate checks, one for the mitigation company and one for me. They then sent me a partial check ( XX/XX/XXXX ), one third of the insurance check to be exact. When I called to inquire about it, they told me not all of the proper documentation and been received and that they will only pay out in increments and not issue the full amount. On top of more documentation, they also are now requesting an inspection that the work has been completed, which was never once discussed when we communicated about the issuance of the check previously. My home has also been refinanced with a different company, and CHFA is holding money from me for a home that they don't even own anymore.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Checking or savings account

Hello, This complaint is connected to the other one filed against XXXX XXXX bank. 
XXXX XXXX XXXX  has received {$3200.00} in refunds/credits on my credit card with them. XXXX XXXX XXXX  mismanaged the money and " applied '' the funds to the prior transactions that I never made. The history and transactions records are very mismanaged by this bank. The current transactions and refunds don't get posted in the order. 

I requested the full refund of {$3200.00} from XXXX XXXX with the request to close all the accounts with this bank due to funds mismanagement. 

The partial refund of {$2800.00} was sent by check to my Chase bank account. By law, once I deposited the check, it can not be reversed, or a stop payment can not be placed on the check already deposited. 

But the Chase Bank violated the law and put the stop payment on the check that was deposited 2 days ago, the partial refund check received from XXXX XXXX. 

XXXX XXXX has sent a partial refund and two days later put a stop payment on the check. 

Chase Bank violated the law and my customer rights. Chase put a stop payment on an already deposited check. Chase took the money from my checking account that rightfully belonged to me.

Chase Bank created a negative balance on my checking account, stopped the payment on the already deposited check, which shows that Chase, exactly like XXXX XXXX, is mismanaging the people 's fund.
Product: Credit reporting or other personal consumer reports

My complaint is in reference to the immediate removal of late payment entries from my Equifax credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. 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 account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Equifax has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : XXXX XXXX XXXX  : # XXXX XX/XX/XXXX, 30 days late, XXXX XXXX # XXXX XX/XX/XXXX XXXX days late, XXXX 30 days late XXXX XXXX  XXXX XXXX XXXX days late, XXXX days late, XXXX days XXXX days late XXXX  XXXX  # XXXX XX/XX/XXXX 30 days late XXXX XXXX  # XXXX XXXX days XXXX 30 days late XXXX XXXX  # XXXX days late, XXXX days late, XXXX days late XXXX  XXXX XXXX XXXX # XXXX days XXXX days late XXXX XXXX  XXXX  # XXXX XXXX XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late, XXXX days late, XXXX days late XXXX Mortgage XXXX XXXX # XXXX XXXX days XXXX days late, XXXX days XXXX days late, XXXX XXXX XXXX XXXX XXXX days XXXX days late, XXXX days late, XXXX days late XXXX XXXX XXXX # XXXX XXXX of the following dates are showing a rating of 30 days late : XX/XX/XXXX, XXXX The following dates are showing a rating of 60 days XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX XXXX days late, XXXX days late, XXXX days late XXXX # XXXX XXXX days late
Product: Money transfer, virtual currency, or money service

XXXX to call cash app representative and there was no representative
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 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 was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

To Whom It May Concern, This letter serves as a formal response to your claim that the debt referenced in my complaint is charged off but not written off and remains collectible. Based on the information reported to credit bureaus and federal regulations, your position appears inconsistent with applicable laws and accounting practices. I request your immediate attention to resolve this matter in compliance with federal requirements.

Definition and Legal Implications of Charge-Off The term charge-off is an accounting designation used when a creditor deems a debt uncollectible and removes it from their books as a financial asset. According to IRS guidelines and industry standards : Charged Off as Bad Debt : When a debt is charged off and written off as a loss for tax purposes ( as indicated by Profit and Loss Write-Off on my credit report ), the creditor is required under 26 U.S.C. 6050P to issue IRS Form 1099-C for debts of {$600.00} or more.

If the debt is reported as charged off but no 1099-C is issued, this suggests either a failure to comply with tax laws or inaccurate credit reporting.

Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ) Under the FCRA, furnishers of information must ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting this debt as charged off while simultaneously claiming it remains collectible creates a conflicting and inaccurate record, which is a violation of your obligations under the FCRA.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) If you are pursuing collection activities for a charged-off debt while simultaneously writing it off for tax purposes, this may violate the FDCPA. Specifically : 1692e ( 2 ) ( A ) : Misrepresentation of the character, amount, or legal status of a debt.

1692e ( 10 ) : Use of deceptive practices to collect a debt.

My Formal Requests To ensure compliance with applicable laws and clarify the status of this debt, I request the following : 1. Issuance of Form 1099-C : If the debt has been charged off and written off for tax purposes, provide a copy of Form 1099-C as required under IRS regulations.

2. Updated Credit Reporting : If the debt has not been written off, update the credit reporting to reflect its true status and remove any references to charged off.

3. Verification of Debt Status : Provide documentation supporting your claim that the debt is both charged off and still collectible, including accounting records and evidence of your reporting to the IRS. 


Please see attached copy of our credit report that states that charge off as a bad debt and and profit loss write off. Therefore, you are reporting in accurate information according to your statement that you sent me.
Product: Checking or savings account

They promised me that if I have {$2000.00} direct deposit in my account and Ill get {$200.00} back. But I didnt get anything back after I had more than {$2000.00} direct deposit in it for many days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}