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

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Checking or savings account

See CFPB Complaint # XXXX which CFPB closed upon SUPPOSEDLY receiving a response from U.S.Bank. CFPB informed me that U.S.Bank responded on XX/XX/2023. XXXX  is XX/XX/XXXX, and I have yet to receive a response, either written or by phone. Having not received the response by XX/XX/XXXX, I phoned the U.S.Bank phone number ( XXXX ) which CFPB provided. Having to leave a voicemail for a return call, I learned that the phone number belongs to U.S.Bank employee XXXX XXXX. She did NOT call back so I called again a few days later, and I still did not receive a call back. Apparently both XXXX and CFPB have been ignored. The problem which initiated the complaint has yet to be resolved.
Product: Money transfer, virtual currency, or money service

In XXXX of XX/XX/XXXX, I was offered a balance transfer promotion by Capital One. I requested the balance transfer for the amount of {$2700.00}, it was supposed to go to my XXXX XXXX account. I noticed it hadn't gone through, but I gave it a few weeks as I know sometimes processing takes longer. 

The balance was never transferred into my XXXX XXXX account. On XX/XX/2020, there is a electronic transfer charge on my Capital One statement. However, the money never appeared in my XXXX account. I have been calling to resolve this for almost two years now with no luck. I've gotten Capital One representatives on the phone with XXXX representatives and tried every method possible to resolve this matter. I ended up paying off the XXXX account, but Capital One never reversed it on their end, so I have been paying this amount in order not to default on my account. I am basically paying the amount twice with interest at this point. 

Capital One requested documentation and said they would start an investigation. These investigations went nowhere and no one contacted me with updates -- I only got them if I called. This was during a pandemic when I was a XX/XX/XXXX, a XX/XX/XXXX, had to hospitalize my mother, helped my grandparents overcome XXXX, buried my grandfather in law and took my mother in law to XXXX appointments. I still made the best effort I could to provide them with the information to clear it up. They claim they can not reverse the transfer because they don't know the account it went to, but in my first ever call on this matter, the representative told me the last four digits of the account it went to -- they were only slightly different from mine, with two of the digits reversed in order. 

My last communication with them was that they couldn't resolve it because XXXX hadn't responded to them. The representative told me they would send me a letter to attest to that so that I could contact XXXX. When I received the letter, it only said that they weren't able to help me with my request -- nothing that would indicate to XXXX that they had tried to communicate and needed information. I have spend two of my most difficult years trying to resolve this issue, and am now paying a balance I technically do not owe. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in TRANSUNION. It indicated that the credit inquiry was made by the credit company listed below. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An inquiry on my report and a car loan was co-signed fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

XX/XX/XXXX my direct deposit should have come in to my capital one bank account. I did not receive it until the XXXX. My credit card from capital one was due on the XXXX. I was not able to make a payment capital one charged my a late fee and is emailing me about missing a payment. How can they charge a late fee when I was not able to make the payment due to their system problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried for help from XXXX credit for fixing my credit. I paid half of it off it was XXXX charge account they found and started with. I just found out through XXXX credit that this was not my account at all. It haD my name birthdate and social but the address and phone number are not mine. XXXX has removed it from my report.
Product: Debt collection

I received a letter stating they had a collection account for a credit card. I contacted the company to request a full statement and transaction history including payments for the account. They only sent a statement summary for the month of XX/XX/XXXX. I contacted the company again on XX/XX/XXXX and spoke to agent XXXX XXXX who stated they sent the only information they are required to. I explained that it does not prove the amount owed because I am not able to see the transaction history to verify the transactions were mine or that the amount is correct. I also spoke to her supervisor on the same call and requested the same information and again they sent the exact same information. I am unable to verify and validate the debt based off their lack of documentation
Product: Debt collection

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account.
Product: Checking or savings account

In XXXX, XXXX, I signed up for a service that offered free credit reporting services, TransUnion, for 30 days. I cancelled within a week but the monthly billing will not stop. I contacted TransUnion for several months telling them to stop taking the monthly fee from my account. Still no reply. Every month in XXXX I have been charged the monthly fee, extending into XXXX. I want these deductions to stop.
Product: Credit reporting or other personal consumer reports

I reached out to both companies requesting validation and serviced a cease and desist. 
XXXX XXXX & XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to have XXXX stop reporting my information that I never gave them permission to report to other credit agencies. They have sent email to verify it's me with a link that is in clickable to prolong the process. By them sending false information to XXXX, XXXX, and TransUnion these agencies have reported false information effected my rights as a consumers to access credit.
Product: Debt collection

they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you
Product: Credit reporting

I have mailed several letters via mail and disputed online with the credit bureau and colletors to have inquiries that I did not authorize. I have been effected and my credit score is suffering as an result
Product: Debt collection

On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from Nelson and Kennard shared that the suit contained a debt I owed for XXXX XXXX XXXX. That was the only way I was able to figure out that I owed this debt. I called XXXX XXXX XXXX and they transferred me to Nelson and Kennard in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make XXXX payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.
Product: Checking or savings account

There was fraudulent activity on my checking account on Friday, XX/XX/2019 in which a check was cashed through my account ( {$2300.00} ) and funds bounced, deducting the amount from my account. I've called on that very day to let Bank of America know and to start a claim. There was also small {$88.00} charge from XXXX XXXX ( I live in XXXX XXXX ) so I opened a claim on that charge, assuming they had a copy of my debit card. I was told the department that handles the check fraud was closed that day so I was not able to call until Monday. 

During Monday, another check was bounced from my account, this time for {$2300.00}, in which they did not ask for identification again, even though there was an active claim for fraudulent activity. I called Bank of America that very day, and had to call through 4 or 5 different departments to start these claims and close my account to open a new one. They froze my old account with all the funds in it ( and is still frozen 2 months later ), which were now in the negatives due to the two checks bouncing. 

Now, over 2 months later, the claims department sends me a letter saying that my card and pin were used for identification, yet when I try cashing or withdrawing amounts close to those, multiple identification methods are needed ( Driver 's license or text messages to the phone number on file ). This was not negligence on my part as I called the departments promptly but Bank of America failed to act appropriately. 

Now my funds are still frozen and the negative balance is drained from the new account I opened because Bank of America does not want to acknowledge that they did not ask for proper authentication for these checks, despite there being active fraud claims on my account, which I was not able to close on the day due to the department being closed. The claim is now closed with the funds being drained from my account. The location of the fraud is not located close to the address on the 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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 card

Afterpay is the name of the creditor. They have a partnership with XXXX. I have never signed up for an AfterPay account. Yesterday ( XX/XX/2023 ) I received several emails welcoming me to AfterPay and thanking me for my order. Using the links in the email I was able to access the account by changing the password. 

The below information is what I found. 
Order # XXXX Phone # listed which I do not recognize was XXXX Delivery Address which I do not recognize is. It also list a name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

[ " NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT DECLARATION OF PRIVATE LIEN, RECONVEYANCE, REVESTMENT, LIVING REVOCABLE PRIVATE TRUST, POWER OF ATTORNEY IN-FACT, PRIVATE TTEE 's APPOINTED Live Life Claim According to 15 USC 1615 and TITLE 15 USC 77 ( r ) the securities to cover the payment has already been paid in full via Birth Certificate XXXX XXXX and the back of the Social Security Card XXXX XXXX number being the Payment XXXX, which both XXXX  XXXX and XXXX XXXX file numbers are the reference numbers. The surtey for the principal... I hold stock and that's the B.C. and SSC. Without prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This matter is guilt under the False Claims Act 31 U.S.C ... 3729-3733. This is also defamation of my character and against my SOCIAL SECURITY MORTMAIN VESSEL. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recorded with the XXXX XXXX XXXX XXXX. '' ]
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with COMENITYBANK/XXXX  account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my XXXX  Credit. I have notified both parties COMENITYBANK/XXXX as wells as XXXX  and explain to them that i have no association with this account. When i spoke with XXXX  i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that Comenity Bank remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

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

I am XXXX of the stockholders of a XXXX XXXX in Florida. That company has a credit card with JP Morgan Chase which is past due XXXX days because the company is in financial trouble after 30 years in business and will be going out of business soon. 

Chase is reporting this roughly $ XXXX past due balance on my personal credit report. Is this legal? XXXX XXXX XXXX is a separate person according to the law. 

I believe that most every corporate credit card says somewhere in the fine print that a person personally guarantees it, so I assume this one does also. However, regardless of whether there is a personal guarantee, a XXXX XXXX is a separate person and the past due should show on the company credit report, but it is totally wrong and probably illegal to also push it out to a personal credit report also. If they do it to me, then this bank must also do it to other people. This is the only bank that has done this for any past due payments on this corporate account.
Product: Student loan

My husband attended XXXX University online from XX/XX/XXXX to XX/XX/XXXX. We had to take out student loans to pay his tuition, and Federal loans were not an option for this school. We took a loan with XXXX XXXX. Unfortunately, a few months before he was set to graduate, my husband became XXXX suddenly and hasn't been able to work outside the home since then. We have been working with XXXX XXXX ( now Navient ) to take part in a Rate Reduction Program since we first were required to start paying back the loans. Every single time we have reapplied for the program there have been problems with our payments. They took out 2 payments in the same month several times. They changed the amount they withdrew from our bank account without telling us that there would be an increase, which caused us to be overdrawn multiple times. They have also taken the payment out on the wrong date either before it was supposed to be withdrawn from our account, or after, for which they then charged us late fees.Every single time I have been on the phone with Navient regarding these loans I have been given the run-around. They have not made the terms clear to us and have caused a tremendous amount of stress to me and to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see Experian stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed items belong to me, and yet they sent me nothing! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I urge Experian to please remove the accounts from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter from Citi XXXX dated XX/XX/XXXX noting my credit line would be decreased from {$12000.00} to {$2700.00} due to " Serious delinquency '' of the account. This is not accurate since the card has been paid on time and the account was completely paid off XXXX. I have had some challenges this year but have managed to keep this account managed and paid in full. I tried to resolve through the Better Business Bureau however Citi will not address this issue and only wants me to re-apply for a credit limit they reduced for inaccurate reasons ( as well as further damaging my credit score in re-application process with an additional hit on my credit ). Since they are not replying to the XXXX   complaint with reasons for inaccurately noting my account had " Serious delinquency '', I think this may have been an act of discrimination on the part of Citibank and that is why they are not addressing the real reason they took away my credit for inappropriate reasons. This reduction by Citi Cards removing the available balance significantly affects my business plans since I planned to use that card to help grow my business in XXXX. I have worked very hard over the decades to grow my credit and have several accounts with Citi Cards, this one is the most important to me since I established a credit line that gives me security and the ability to grow my business. By drastically reducing my credit line Citi has hurt my personal credit report and credit score as well as negatively affected my future business plans. If this is how Citi plans to treat me on a year in which I have had challenges but have overcome them to pay off this account in XXXX of this year, I will always remember Citi as the company that let me down after decades of giving them business and I will then plan my future credit plans without using Citi for any of my personal, family or business needs. Note : I am not interested in reapplying for credit when I had already spent decades establishing this account credit before Citi drastically reduced the account signally they no longer valued my business.
Product: Credit card or prepaid card

I never received my {$99.00} companion certificate from my XXXX XXXX CitiBusiness Platinum Select card. 
Opened account and made first charge XX/XX/XXXX. By XX/XX/XXXX spent {$45000.00}. Annual fee of {$99.00} was on My XX/XX/XXXX statement which I paid. 

XX/XX/XXXX go to book flights and can't find companion certificate in my digital or app account with XXXX XXXX or on Citicard account. I called Citi customer service and was told they mailed it in XXXX but would send another. I received a letter from Citi dated XX/XX/XXXX that the companion certificate will be sent under separate correspondence and it will be digitally accessible at XXXX and in the XXXX  XXXX XXXX within 8-12 weeks. Letter said to call XXXX if I need further assistance. 

XX/XX/XXXX I received an email for XXXX XXXX with American Advantage who told be Citi handles the certificates and I need to request it from them. 

XX/XX/XXXX I spoke to XXXX at XXXX. She spoke to account services and they said validated the certificate and I would receive it by letter and email in the month of XXXX. 

XX/XX/XXXX I called XXXX and was told I would receive the companion certificate in 7-10 business days. 

XX/XX/XXXX received a letter from Citi thanking me for contacting our Customer Service Team but the offer I received was for a limited time and the expiration can not be extended. I never asked anything about an extension. I received this letter XX/XX/XXXX. 

XX/XX/XXXX Called XXXX Spoke to XXXX, she said there was a request in the system dated XX/XX/XXXX requesting the certificate.