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

I am writing to formally complain about XXXX 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, XXXX failed to address or correct the inaccuracies in my credit file appropriately. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX  : Account number : XXXX, This account is inaccurate. Remove this account ASAP. 

XXXX XXXX  : Account number : XXXX, I was never late. Update this on my report. 

XXXX XXXX | XX/XX/year> : Account number : XXXX, I never authorized these inquiries. Update this on my report. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. 

XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.These inaccuracies have significantly harmed my creditworthiness, affecting my ability to secure credit and favorable financial terms. I request the CFPB to investigate XXXX 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2021 I reached out to Conns XXXX XXXX about resolving a delinquent bill. They transferred me to another department. When I got to said department I was promised that when I paid the balance in full ... no settlement that they would remove the account in its entirety from my credit report. I paid the balance immediately with this guarantee. I paid the entire amount due of XXXX on my XXXX card. I got notification today from my credit report that they in fact did not remove it in its entirety but only updated the account. I have called Conns Several times today and rude rep after rude rep has been no help in getting this issue resolved
Product: Credit card or prepaid card

On XXXX, XX/XX/XXXX in the morning I was able to use the card just fine. This is an account I've had open for some time and have my paycheck deposited onto. Then, I received an email advising that my account was suspended. When I tried to call, I received the following email without ever even reaching a human being : Hi XXXX, During our recent review of your Serve Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Serve Team I don't understand this. The last purchase I made was to send myself a few packages, as I am in the process of a cross-country move and have a XXXX and need to do this as opposed to using a XXXX  ( I don't know if this flagged some sort of activity- shipping parcels? ). I have paychecks directly deposited onto my account. I had to immediately connect with my employer to have my direct deposit cancelled. I've had funds left on the card. I have no idea what happened or why. I reached a representative and was told to call XXXX with no explanation or anything.
Product: Credit reporting

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.
Product: Money transfer, virtual currency, or money service

I XXXX is contacting you all in regards to the lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times for years now it seems to me as well that this was the the only thing I had ever had a good idea about during these previous years. The fact I had to be honest thinking that you all were on the consumers side and you would protect my money once we say something isnt right. You the other things I have a little more of an issue than that is and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is very unacceptable and raises serious concerns about about our safety as the consumer.
Product: Credit reporting or other personal consumer reports

I am formally requesting the deletion of these charge-offs from my credit report pursuant to the provisions of 15 USC 1681b ( 2 ) ( a ) ( i ) of the FCRA. 


XXXX XXXX  XXXX This section states that when a debt is charged off, that means the creditor wrote it off on their taxes and received a profit It's illegal if the creditor didn't send a XXXX because charge offs are considered income by the IRS. The IRS considers a charge-off to be income, and it may be taxable. A charge-off is when a lender writes off an account as a loss because it's become too delinquent. The lender may forgive or cancel the debt for less than its full amount, which the IRS treats as income for tax purposes. The lender may send the borrower a Form 1099-C, " Cancellation of Debt " which the borrower must report as taxable income on their tax return. Income can not be reported on a credit report. Furthermore, I would like to emphasize that the presence of inaccurate or outdated charge-offs on my credit report is in violation of the FCRA, which mandates accurate and fair reporting of consumer credit information. 

I kindly request that you conduct a thorough investigation into this matter and delete the charge-offs from my credit report promptly. I have enclosed copies of relevant documentation supporting my request, including any pertinent information regarding the permissible purpose for the inclusion of this information on my credit report. Please provide written confirmation once the charge-offs have been removed from my credit report, as required by law.
Product: Debt collection

I am a victim of identity theft and I recently had my purse stolen with all of my personal information. Jefferson Capitol System placed a debt collection against my credit report. I have no idea who they are and NEVER received any correspondence from them via mail. Because of my identity being stolen in the past and now possibly again with all of my personal information stolen ( XXXX police report made ) I monitor my credit very closely. I called XXXX they provided on website. When I enter my social security # ( hesitantly and it's confirmed Jefferson Capitol System ) they state they do not have a file on their system matching my social security number. Of course they won't because this is being reported fraudulently.This is not my debt. I want this to be investigated. I do not have any debt. All my creditors have been paid off. I disputed this with XXXX  and later got a response of " meets FCRA requirements ''. What does that mean? This is not my debt. I want the creditor to provide my wet signature in a contract between me and this Collection Agency.  So again, I'm simply asking for you to FOLLOW Fair Debt Collection practices. Show me the written verification of debt and show me my wet signature. 

I'm not sure if it's JEFFERSON CAPITAL SYSTEMS , LLC or just Jefferson Capitol System~ that's how it's being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

Optima reported a mark on my credit file for a bill that was paid directly to the original creditor prior to a mark on my credit. This mark should be removed. 

I had an invoice that was originally with Tennessee XXXX Clinics in the amount of {$990.00}. The only people I have ever paid or given money to for the bill was Tennessee XXXX Clinic. When I paid the bill, there was no mark or mention on my credit file regarding a collection. I had not been contacted by mail or by phone by Optima. After the invoice was paid, the next month I received a mark on my credit from Optima for the collection. It shows open and closed at the same time, for the month of XX/XX/XXXX. They reported it as a paid collection. I have attempted to resolve this with them multiple times. I have shown proof that the invoice was paid to Tennessee XXXX  directly ( which Tennessee XXXX said they would verify ). They agree that no funds were paid to them for my account. However they refuse to remove the credit mark on my credit. The only answer I receive is that they will show it as paid. The issue is Optima was never my servicing provider for a collection. All transactions were completed with Tennessee XXXX prior to a collection with Optima. 

I filed an official complaint with the XXXX  after they would not reply to my requests for correction. The XXXX was not able to get them to reply either. ( see below for XXXX file, case # XXXX ) I would like to have the mark removed from all three of my credit files. The account needs to be removed in its entirety with out any penalty. 

Complaint filed against : Business Info NAME : Optima Recovery Systems ACCREDITED BUSINESS : NO CONTACT : Mr. XXXX XXXX ADDRESS : XXXX, PHONE : XXXX XXXX FAX : -- None -- Website : XXXX Complaint status : Activity Date Activity Description XX/XX/XXXX Case Closed - UNANSWERED XX/XX/XXXX Inform Business - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer No Response from Business XX/XX/XXXX No Response Received from Business on 2nd Notice XX/XX/XXXX Second Notice to Business XX/XX/XXXX No Response to First Notice to Business XX/XX/XXXX Inform Business of Complaint XX/XX/XXXX Send Acknowledgement to Consumer XX/XX/XXXX Complaint Validated by XXXX Operator XX/XX/XXXX Complaint Received by XXXX
Product: Mortgage

modification package and first 3 payments sent - no response to emails or calls or in writing
Product: Debt collection

I have disputed this account with XX/XX/2018, XX/XX/2018, XX/XX/2018, requesting they provide some type of application, or signed security agreement showing that this medical bill belongs to me. They continue to provide the contact for the hospital, in which the hospital billing department was not helpful. I have sent written letters to the collection company and called the hospital contact that was provided. The amount of the alleged debt is {$830.00} ; also in which I have not been to NO HOSPITAL or received any MEDICAL CARE.
Product: Credit reporting or other personal consumer reports

Submitted complaint, that the company can not treat a payment on a credit card under an open end consumer credit plan late for any purpose 15 US Code 1666b 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 no later than 21 DAYS BEFORE the payment is due. 

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was MAILED out or DELIVERED 21 DAYS BEFORE the payment due date, PLEASE PROVIDE the PROOF that this information was MAILED out or DELIVERED 21 DAYS BEFORE the statement date. 

15 USC 1637 ( B ) is very specific on all required information needed or must be mailed or delivered to the consumer!
Product: Credit card or prepaid card

It shows that I had one late payment for XX/XX/2014 which I was never late. 
And I always have made a good payment with all the creditors so please review the information and remove the late payment from my credit report. 
Thanks
Product: Mortgage

I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section.
Product: Mortgage

Seterus - loan servicer - generates Account Statement before loan payment is taken ( automatically debited from checking account by Lender ). 

Account Statement show loan as past due each month and if loan is not being paid.
Product: Credit reporting

i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX TRANSUNION AND XXXX HAVE THE INCORRECT INFO )
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00}
Product: Debt collection

On XX/XX/XXXX, Diversified Consultants Inc was in receipt of a letter I sent via USPS certified mail with receipt in reference to a tradeline item listed on my credit report under the company 's name regarding an alleged debt to XXXX. This letter requested verification and documentation of the debt from the original creditor including account numbers, amount owed, when the debt was obtained by Diversified Consultants and if they obtained this debt from a separate collection company. Requested was proof of the last billing statement originally sent by the original creditor, fee statements, if there had been any changes or adjustments since the last billing statement from the original creditor. Also requested was proof that Diversified Consultants is  was licensed in the State of Illinois under the Illinois Department of Professional Regulations as their company is located in XXXX, Florida ; a copy of the agreement with the original creditor ( XXXX ) showing proof they are legally authorized to attempt to collect the debt for XXXX ; and the amount the debt was purchased for, if they owned the debt. 

Diversified Consultants responded on XX/XX/XXXX via USPS First Class mail with the attached letter and copy of statement from XXXX as proof of the owed debt. 

Upon review of the letter and included statement, it was observed that the statement amounts listed owed, as verified proof and the letter sent by Diversified Consultants does not match. As no proof of changes to the debt amount had been sent as requested, this is a misrepresentation of the total debt amount owed and invalid proof of debt as there was not current verification of said debt with the original creditor, which would have provided accurate statement amounts. 

On XX/XX/XXXX, upon direct communication with XXXX, the original creditor, it was verified that the statement sent as valid proof by Diversified Consultants was in fact invalid and did not match the company 's records. 

All the above facts prove that Diversified Consultants misrepresented the debt entirely, including the total amount owed ; the validity of the debt ; that they verified the debt ; and that they had legal ownership of the debt to collect on it as a representative of XXXX as evidence of assignment, and that they are legally able to operate in the State of Illinois.
Product: Checking or savings account

Back in 2022 I had multiple unauthorized charges on my account. I disputed the charges which I was granted a temporary credit. The credit was then reversed and my account was negative {$900.00} even thought these charges were not me they were fraud. I disputed with check systems and the bank over several months. I am now seeking litigation because this inaccurate information is hindering me from moving forward in life like stopping me from getting business funds and buying a house. These charges were not me and I have multiple police and identity theft reports showing this was fraudulent. The bank responsible is Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account ( XX/XX/XXXX ) with a balance of {$100.00} under CITICARDS CBNA that was opened around XX/XX/XXXX. I don't have any payments that are due or received any e-mail or letter regarding this. 

I just got off the phone with CITICARDS and they looked up under my account ( I have one credit card ) with them and they saw no increase or {$100.00} that I am referring to. They also looked by my social security and nothing shows. 

Take a look at the screenshots to see this report come in to my account.
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX. Account # XXXX Ending Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Ending Account # XXXX XXXX  XXXX Account # XXXX Ending Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Debt collection

They call every morning while Im in class or at work and continuously tries to talk when I tell them now is not a good time. Always try to get me to talk AFTER saying at least 3-4 times I CAN NOT TALK. Highly annoying and disrespectful.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and a loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in a couple of fraudulent accounts appearing on my consumer XXXX credit report. I've attached documents with the accounts in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts 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 are the result of identity theft.
Product: Credit reporting

XXXX is not an account I opened, or authorized and should be removed. 
Both Equifax and the Consumer Financial Protection Bureau have the settlement agreement on file between myself and XXXX where all XXXX accounts must be removd from my credit file. They are currently still illegally reporting XXXX and XXXX which never belonged to me. Finally, Equifax is reporting a number of fraudulent and illegal inquiries. I 've provided notarized statements as well as police reports advising them that these inquiries are illegal, fraudulent, and should be removed, yet they have refused to do so. These documents are also on file with the consumer financial protection bureau and Equifax. They are as follows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks