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

In XXXX of XXXX I paid off a charge card for XXXX, Comenity Bank. I ask that the card be cancelled. I was told that it was canceled. I received a bill from them in XX/XX/XXXX that I owed them for finance charges. I notified them both by telephone and USPS that this account was closed and I should have no further obligations to them. In XXXX of XXXX I was informed on my credit report ( XXXX XXXX ) that the account was derogatory, and or in collections. I started a dispute. Several of them up to present day. I discovered this account was sold to XXXX XXXX. I contacted them, they performed an investigation and found me in good standing. I was sent a letter from XXXX XXXX stating they could find no wrong doing on my part. I forwarded this letter several times attached to my dispute to XXXX XXXX. I also made several attempts to contact Comenity Bank. They told me over a year ago it wasnt their responsibility to remove this off my credit report. It was XXXX responsibility since they took over for collections. 
XXXX told me it was Comenity responsibility because they initiated the report. 
Now Im unable to reach Comenity Bank and neither has XXXX XXXX. 
I need your assistance to resolve this matter. Ive done nothing wrong. I feel that Im being taken advantage of by the Creditor, Comenity BankXXXX XXXX XXXX 
I paid this card off and it was stated in the investigation by XXXX XXXX. 
I have the right to have this removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXX of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
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 NUMBER : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Debt collection

On XX/XX/2019 I sent Convergent Outsourcing partial account # XXXX seeking {$120.00} a NOTARIZED Cease & Desist letter. I requested that they remove their negative reporting to XXXX, XXXX, and XXXX immediately as they are not my original creditor and that I do not wish to work with them. I am enlisting the CFPB for help in making sure that they do remove these damaging reports and terminate all collection efforts.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally lodge a complaint regarding the unacceptable customer service experience I recently encountered at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My experience on XX/XX/2024 was deeply disappointing and concerning, and I feel compelled to bring it to your attention. 

On the aforementioned date, I visited the branch with the intention of closing my safe deposit box, the due date of which was XX/XX/2024. However, I was met with extreme resistance and unprofessional behavior from the branch manager, XXXX. Despite my request being a routine and straightforward transaction, XXXX XXXX not only refused to close my safe deposit box but also resorted to threatening tactics. 

Specifically, when I questioned XXXX XXXX about the refusal to close my safe deposit box, she threatened to close all my accounts and involve law enforcement by calling the police. This response was completely unwarranted and alarming, especially given the innocuous nature of my request. It is deeply concerning that a senior member of your staff would resort to such extreme measures when faced with a simple customer inquiry. 

Furthermore, I found XXXX XXXX 's demeanor to be highly unprofessional and disrespectful throughout our interaction. Her lack of empathy and unwillingness to address my concerns in a rational and courteous manner only exacerbated the situation and left me feeling deeply dissatisfied with the level of service provided. 

As a loyal customer of Bank of America for 15 years, I am disappointed by the blatant disregard for customer satisfaction displayed by XXXX XXXX and the lack of professionalism exhibited by your branch. It is unacceptable for customers to be subjected to such treatment, especially within the confines of a reputable financial institution like Bank of America. 

I kindly request that a thorough investigation be conducted into this matter and appropriate action be taken to address the misconduct of XXXX XXXX and ensure that such incidents are not repeated in the future. Additionally, I expect prompt resolution regarding the closure of my safe deposit box without any further delays or complications. 

Please acknowledge receipt of this complaint at your earliest convenience and provide assurance that it will be taken seriously and addressed with the urgency it deserves. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I contacted the company to let them know I felt like someone used my identity to obtain the credit cards. I never received a statement in the mail and I disputed it with the credit bureau because I do not recognize the accounts that has been reported on my credit report.
Product: Credit reporting or other personal consumer reports

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XX/XX/XXXX, but LVNV has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from LVNV due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXX XXXX was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to LVNV inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed LVNV from my credit report, but XXXX refused to saying that LVNV said the information is correct. I even gave XXXX the documents from LVNV showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. XXXX told me there was nothing that could do even when I called them over the phone regarding the dispute. LVNV has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from LVNV showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued for months and months to get Equifax, XXXX and XXXX to acknowledge their inaccurate reporting of my credit file with no resolve. These investigations take longer than XXXX days and no one actually investigates. No one does anything, yet the very reports these companies send me CLEARLY state the dates and yet they are ignored. This is a violation of the FACT Act, XXXX and XXXX. Federal law states negative information is to be removed/deleted after XXXX years yet Equifax continues to report old data thus hindering my ability to obtain credit. I've asked for my XXXX word statement to be added to my file, that too has not been completed and its been XXXX days since mailed to Equifax. Equifax is being negligent in completing this investigation and reporting information correctly. Its not right. I do not know nor understand how much proof I need to send to both Equifax and XXXX in order to get this issue resolved. This has been an entire year of disputing, begging, proving, mailing, its exhausting and draining and unnecessary if someone would lift a finger to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. CITICARDS CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I was a XXXX, who was advertising on XXXX. XXXX. When 2008 hit I dropped my XXXX My XXXX ad continued. I was contacted by XXXX XXXX and was told i was advertising and it was against their law. I told them i would change the ad and did n't know that it was against the law. I have been doing work as a XXXX in the state for years. Then I was sent a bill for a XXXX by XXXX. I filed a complaint as I looked at it as a extortion. I was n't working on that side of the state at all. The XXXX covers XXXX and XXXX together. I have contacted the state reps and have tried to talked to the state XXXX without any help. Now the state turned it over for collections a tax lean. That should be against the law by itself. The collection outfit is Allianceone rec, mgmt XXXX XXXX XXXX XXXX. This is a out rage against someone who has worked payed taxes for years in XXXX state. Extortion is the only way the state can get the funds for being broke, even if it means going after people like me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurately on my consumer reports. I have disputed this account a lot of times and the consumer reporting agencies are still reporting wrong. The high credit is wrong. Each consumer reporting agency is reporting something different. XXXX is reporting {$9600.00}, Experian {$9600.00} and XXXX is reporting {$10000.00}. The date last reported is super old so it seems like the consumer reporting agencies never investigated the accuracy of this account. The date last active is also wrong. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous inaccuracies continuing to be reported on my consumer reports. 
XXXX is reporting with XXXX. It is reporting inaccuratelyly. The date last active is wrong. This company has ignored my request for validation so I dont know how XXXX XXXX able to verify this account accurateness when the collection agency will not provide any proof. I am demanding this account be deleted from my consumer reports. 
XXXX is reporting on XXXX, Experian and XXXX inaccurately. First thing is XXXX is reporting that this account is 120 days late and with payment history. A collection account can not have any payment history whatsoever. XXXX needs to delete this account asap for this. XXXX is reporting a date last active of XX/XX/XXXX. There was never any activity on this account in XX/XX/XXXX so it looks like this account has been reaged and this is illegal. XXXX needs to delete this account asap. Experian has not conducted any real investigations to make sure the reporting this account is 100 % accurate and I am demanding this account be deleted from my consumer reports. 
XXXX XXXX is reporting with XXXX and this account was never investigated and XXXX has not done anything to ensure this account is reporting 100 % correctly. 
Now, Eoscar is not a reliable source to verify or validate the accuracy of any account. So if you fail to delete any of the inaccurate accounts I have mentioned in this complaint I need to see the actual documents and results you received from the creditor or the collection agency because at this point I have given many chances for these accounts to be fixed and you failed to do so deletions are mandatory. There have been numerous of cases when the consumer reporting agencies have been sued for continuing to report inaccurate information on a consumer reports and I really dont want to have to take it there so please delete these accounts.
Product: Credit reporting or other personal consumer reports

FCO has been filing an outstanding balance to the credit bureaus, since XXXX and tarnished my rental history report, preventing approval for an apartment rental. FCO claims a balance due of {$8300.00} from XXXX to XXXX. FCO was advised of my dispute and explained, the charges are erroneous. The FCO representative refused to remove it from the rental history. The said charges are false, fictitious and erroneous. XXXX XXXX apartments did an illegal eviction on XX/XX/XXXX. This all began when XXXX XXXX rumored that an unauthorized person was living in my apartment. I immediately denounced it and called the rental/ management office and insisted that they inspect the apartment. They advised that someone would inspect the apartment. However, the inspection never happened. Soon following, vacate and lease termination letters ensued and locked online tenant account, preventing online payments. Under duress, I adhered to the correspondence order to vacate the apartment. I am unable to secure an apartment today and experienced homelessness due to FCO 's rental reporting practices. FCO continued to report a balance of {$8300.00} with the credit bureaus over the years. I've contacted FCO several times ; after receiving the rental denials. I was advised by FCO that I must pay the balanced to remove it from rental history. The ledger provided by FCO is fictitious, false and erroneous. Please assist me with this issue for resolve. Please advise, if you need additional information, I would be happy to provide it you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of  payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
Product: Debt collection

I have tried to contact this collector many times about this debt. I know have no acknowledgment of this account and never did business with them. It is bringing down my credit badly.They have failed to respond and I ask that this debt be removed off my credit.
Product: Debt collection

MY XXXX XXXX  credit card was expired. I don ' 't need to renew my credit card. However, the company continue to late charges. I never use the credit card and not owe any amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is reporting a late payment on my account which they say is because of a XXXX account. However, Ive spoke to XXXX. They are not reporting a late payment. This XXXX account was including in my chapter XXXX bankruptcy in XXXX. Under Bankruptcy laws and the Fair Credit Reporting Act, after bankruptcy, they cant report a currency late payment. Experian says its not a late payment, its just reporting that way. That makes no sense. No other account under my bankruptcy report this way because they cant. I filed a dispute on XX/XX/XXXX to fix the problem. However, they didnt change anything. Bankruptcy allows a person to start rebuilding their credit. If accounts were allowed to do this then nobody would be able to rebuild their credit. All they can report is that it has a XXXX balance and the account was included in bankruptcy. XXXX says thats all their reporting. And thats all my credit report says their reporting. However, in my credit summary and credit report, it says 1 late payment. The agent at experian told me its because of XXXX but thats not the case. This late payment just popped up on my account at the beginning of this month. However I filed bankruptcy on this account back in XXXX. My account credit score has went down 39 points because of this. In XX/XX/XXXX I disputed the account because they were still reporting a balance. XXXX fixes that and my score went up like it should be. Then several days later my account had a late payment on it. Which decreased my score 39 points. My attorney is going to file suit against both companies for breaking the fair credit reporting act if this is not taken care of. His name is XXXX XXXX of XXXX TN. This has already caused me issues trying to get financing. I havent had one late payment on anything since my bankruptcy. The law doesnt allow them to report like this after bankruptcy. Please help me get this strait so we dont have to go through a long drawn out process in court. But rest assured we will go to court if we have to and I will be suing for damages this has caused me such as the interest rate I have to pay on a car I just purchased due to my score being wrong and this a XXXX account not reflecting correctly on my Experian credit report. As you can see in the attachments it says I missed a payment 2 months ago. I filed bankruptcy on the XXXX account in XXXX. Even if I missed a payment before the bankruptcy they cant report that now. Especially not 2 months ago. But if you look at the XXXX account on my report it says no payment history like it should. So XXXX is reporting it correctly. Experian just isnt reflecting it correctly. And they dont have anyone there that I can speak to that can understand this. With them being who they are you would think they would realize the problem.
Product: Credit card

American Express Fraud Department is failing to investigate or take claims of a XXXX XXXX charge that has been attempted on my American Express Gold Card multiple times between XXXX XXXX. 

I expressed that I do not do business with XXXX or XXXX. I expressed that I believe my account was comprised internally because I never gave this card number out to any XXXX or XXXX. 

I expressed further that my research shown that this is a common scam with ONLY American Express users where their accounts are compromised with this charge for small amounts then hit with larger amounts. 

I also expressed the stress I had a year ago with a the charge and the immense amount of work I had to go through to prove this was indeed a fraud charge. 

American Express Fraud Department failed to address this concern. Failed to solve the underlying issues, and stated their solution was to place a merchant block. 

The chat Fraud Department claimed that this was due to an old card being charged. They failed to see the underlying cause. 


Now I had to beg American Express Fraud Department to issue a new account number to prevent this fraud. As I reiterated that I never gave out this card to XXXX or XXXX. I believe my account was internationally compromised to allow an attempted charge to happen. 

This has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I know I am not the only American Express member out there dealing with this issue. XXXX users and other forums have expressed that they are experiencing this too.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Saks First Credit Card. On XX/XX/2022, my request was denied.
Product: Credit reporting or other personal consumer reports

I just reviewed my XXXX, XXXX and Transunion credit reports and it still shows the inaccurate and unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately
Product: Credit reporting or other personal consumer reports

I was going through my credit file & realized that theres a security freeze on my credit file.