23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX social security # XXXX. I've worked hard to build my credit over the years and have not had a major late payment on any of my credit cards for years until just recently i noticed something that is affecting me. My credit card payment to Sears credit card was set up with automated payment. I had a family emergency right before this late payment happened which is now causing negative consequences in our ability to get approved for a home due to this 1 late payment on my credit report. The family emergency required that I leave my family for a month to help with another family member in a different state. I was unaware that my automated credit card payment had not gone through and had made my credit card bill 30 days over due causing my credit score to plummet from what I had worked so hard to get it up to over the years. I was unable to get notifications of the payments not going through due to me no longer having access to the email address on file with XXXX XXXX that they normally sent me messages to. My only access to that email address where I would normally get notifications was through a laptop that was damaged So I was unaware this had taken place when I was away from my husband and kids. Long story short, during this time I was away from home, the bank that my automatic payments were coming out of had a problem with there system and my automated monthly payment to Sears card did not go through ( they said it was a " glitch '' in the system ) causing the 30 day late hit to my credit report which killed my credit score now severely hurting my families chances of getting approved for a home loan we have worked so hard to be able to apply for. I apologize for this error on my part even if unintentional on my part. This is my only 30 day late payment on any of my credit card account. I will make sure that this never happens again. I am humbly asking if you could please see if Sears credit  card could remove that 30+ day late payment from my account so that my credit score can go back up to where it was before this horrible mistake on my part. This is a request for a goodwill adjust to my payment history to take away that late payment from my account. You will never know how much that would mean to me if you could help with this request. XXXX XXXX XXXX ps this is for the missed payment on XX/XX/2018 XX/XX/2018
Product: Debt collection

XXXX XXXX XXXX, Trustee mailed me a letter in which I called XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX in which they could not find or tell me nothing regarding the account of the said Debt of {$2000.00} in which XXXX XXXX XXXX XXXX XXXX has not contacted me in anyway by mail, certified mail or any other contact since 2015 in which there has been no statements mailed or any type of a said bill of {$2000.00} I dispute the bill and have contacted and filed with the US Attorney office regarding this matter of no contact since 2015 by XXXX XXXX XXXX XXXX XXXX of the said debt. There has or been any attempt of contact by Pinnacle Recover nor XXXX XXXX XXXX XXXX in any regards of the said debt in which I dispute
Product: Debt collection

On XX/XX/21 I received by U.S. Mail a Safe Deposit Box Past Due Notice for {$100.00}. 
This safe deposit box rental fee was paid by cash in full in the amount of {$92.00}. I have a receipt given to me by the Bank branch. This box rental fee was paid on XX/XX/21. 

This safe deposit box is # XXXX. My social security # is XXXX. This box was located in the Bank of America, XXXX. branch at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. 
Inside the box are important legal documents from litigation. 

I want the Bank of America, XXXX. to acknowledge to me that my rent has been paid in full. 


Respectfully, XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX
Product: Checking or savings account

I was notified by email on XX/XX/XXXX they were closing my account on XX/XX/XXXX. I spoke with XXXX different customer service representative who would not tell me why. I have done anything different from the day I opened the account except not use the My Pay option which charges you a fee. I have 3 direct deposits going to this account and they are not even giving me enough time to open an account and have these deposits redirected. There is no reason what so ever for them to close my account. I don't use their services that charge a fee so they have no use for me. I also have a large refund coming that will probably be bounced back. How am I suppose to get that money back if it can't be refunded to the card it was purchased on?
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. 

Here are the fraudulent inquiries in XXXXXXXX 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 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  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the earlier written requests, the unverified accounts listed below still continue to report on my credit report, These accounts must be validated in order to improve or stabilize my Credit Score Here are the accounts that need fixing : XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no contract or photo ID provided to me by XXXX XXXX or XXXX, I had been hacked before the XXXX and XXXX 
credit report from on XX/XX/2021 i ask for the contract from 3 place XXXX XXXX XXXX. XXXX receivbles performance not contract with XXXX XXXX XXXX XXXX XXXX from the collection company, so my information as been sold illegally, the amount is {$550.00}, they are evading my iright wrires, i what them remove asap. wrong information and fraud they are breaking the law
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that again As I reported on the previous complaint was done by XXXX XXXX and it was for a XXXX account of {$730.00} that I entered as being reported by XXXX XXXX XXXX but it was XXXX XXXX. This account is being reported by XXXX XXXX XXXX in the amount of {$4400.00} for a period of XXXX months rent at XXXX XXXX apartments where I never lived or applied to and they do not have a lease that I signed. XXXX XXXX stole my information to get an account at XXXX and to rent an apartment and sign a 12 month lease. They are saying the apartment was only used for 12 months and they are reporting {$4400.00}. They reported it as a joint account and I plainly have told them I wasn't even in Alabama at that time and asked to see a lease with my name on it. They don't have XXXX. XXXX XXXX is in XXXX XXXX XXXX awaiting indictment from the grand jury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach may have exposed my personal information as reported here : https : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made all on time payments with XXXX XXXX NEVER MADE ANY LATE PAYMENTS XXXX XXXX AGREED TO REPORT TO BELOW credit bureaus a good will later as a mistake on their behalf of reporting a late payment to said credit bureaus Experian REPORTING LATE PAYMENTS ( XXXX XXXX ) XXXX XXXX also has a address I do not live at XXXX XXXX XXXX XXXX XXXX Tx XXXX need to be removed Furthermore these credit bureaus have completely failed to protect my consumer rights and have been reporting inaccurate payment status that is reflecting on my personal credit report Which had dropped my score over XXXX points XXXX XXXX XXXX have fraudulent inquiries that are reporting on my personal credit report XXXX  FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have fraudulent accounts & inquiries that I previously disputed in which they fail to remove being im a victim of identity theft XXXX XXXX  {$1900.00} XXXX XXXX XXXX  {$45000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never submitted any written consent for a bankruptcy to be reported on my credit report. I asked all three credit bureaus to remove this information as it is in direct violation of my consumer rights and severely affecting my ability to live. With countless attempts to address this issue, the credit reporting companies continue to ignore my concern and abuse my rights. They claim the account is verified by XXXX XXXX and the district court but I have a letter from both stating is not reporting a bankruptcy or they do not provide such information. The XXXX major credit reporting companies are unwilling to cooperate with the laws given to US citizens.
Product: Consumer Loan

I purchased a new bed in XXXX and financed it with Synchrony Bank. I almost did not buy the bed because the payment was too high. The Manager at XXXX dealt with the financing and told me the payment would be $ XXXX/per month. I have this in email, I agreed to buy the bed. I received the first bill and the payment was not what I was told it would be and was $ XXXX/per mo. I tried to return the bed but I was not receiving a response to my calls or emails regarding this. I then had to move states abruptly and in doing so it seems I missed a payment. I have received nothing but harassment from the bank. I do not understand how if I was one payment late, how can I make 3 payments in one month and still be getting these calls that I am behind. I have good credit and pride myself on paying my debts. I have not received an accounting of my account and I want the constant harassment to stop. I have seriously paid out {$490.00} dollars in one month on an account that the payment is {$110.00}. HOW AM I STILL LATE???????
Product: Credit card or prepaid card

I submitted a dispute with CITIZENS bank because there were unauthorized transactions in my account totaling to {$620.00}. I received a temporary credit until the investigation was completed. CITIZENS bank then sent me a letter dated for XX/XX/2022, stating that the investigation has been completed and the transaction was valid and the temporary credit of {$620.00} will be reversed from my account on XX/XX/2022. CITIZENS Bank has not provided me with any documentation that proves that this transaction was in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that an unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. CITIZENS has not provided me with any of the requirements under this subsection. Please help assist in resolving this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

On XX/XX/2020 I set up a payment plan with Synchrony Bank for a PayPal Credit Card for {$75.00} to be taken out of my account on the XXXX of each month. On XX/XX/2020 they took {$700.00} from my account instead of the {$75.00} agreed. I contacted Synchrony Bank on XX/XX/2020 and they confirmed this was an agent error however it would take them 21 days to look into the matter. 

We now have no way to pay our rent or feed our family. My wife and XXXX daughters will become homeless next week because this money was stolen from us and not given back.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX, 2024 and I saw some late payments that suppose to be on time. I sent a letter to XXXX. 
Please delete 30 day late payment from my credit report due to violation of 15 USC 1681s-2 ( F ) Please Update the payment to paid on time and never late.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 US.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 of information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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. 

Accounts XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I have had the XXXX XXXX  from Barclays for at least 5 years and I have enjoyed the services provided, including gaining XXXX status within XXXX. 

Each month, I check my statements on the website. I share the account with my mother, so the statement is the only way to see who spent what on each purchase. 

3 months ago, the website stopped displaying my statements. I have called Barclays customer service innumerable times over the course of the past 3 months and they have still been unable to generate an electronic statement for me. 

After several rounds of reaching out to them via phone and via secure chat, they were able to mail me some paper statements. However, they are now telling me they are unable to do so - I have been told a manager will look into it. 

In addition, when I circle back with customer service over the phone, Barclays states they are unable to even see my electronic statements on their end. I hear something to the effect of " there is an IT issue ''. 

What concerns me is that the customer service department seems unable to contact the IT department to get an update on the matter and also can not provide said contact information for me to follow up. 

The bottom line is that I have gone three months without being able to normally review my statements and it seems Barclays is 'unable ' to assist. This whole situation is a bit strange as other members of my family also have the same credit card and are able to view their statements electronically without issue. 

It is dangerous to have a credit card and not be able to review the statements.
Product: Vehicle loan or lease

I completed a lease with Lexus XXXX in XX/XX/XXXX after having purchased the following vehicle : XXXX XXXX XXXX, License Plate XXXX and now Plate : XXXX XXXX. VIN : XXXX To date I continue receiving threatening letters from Lexus XXXX requesting payment for alleged exorbitant excise tax payments Lexus allegedly made to the City of XXXX but have not seen a copy of these payments nor even a copy of these bills. I am also QUITE confused as to why they would allegedly pay an exorbitant XXXX tax bill for a XXXX vehicle that I owned as of XX/XX/XXXX and was out of contract with in XX/XX/XXXX. 

Attached you will find the letters I am receiving. I feel I am being extorted by Lexus XXXX  and this needs to END!
Product: Payday loan, title loan, or personal loan

I applied for and received a XXXX XXXX  from Bank of America using my XXXX name and XXXX. Unbeknownst to be at the time, the bank used by XXXX XXXX when it approved the loan, which was then approved by the XXXX. Now, I can neither obtain a XXXX loan from Bank of America nor can I seem to receive from them the required " Invitation '' to seek forgiveness of my first loan. I also have been turned down for the second draw by other financial institutions because my first draw was approved with another lender, Bank of America. When the XXXX loan application process first started, Bank of America 's requirement was that you have a business  relationship with Bank of America, which I did. My Bank of America account is owned by my XXXX. The XXXX regulations do not require a pre-existing business banking relationship. That is a requirement imposed by Bank of America, and nowhere did it state that when they said " YOU '' must have a pre-existing banking relationship that it meant your legal entity, nor that the bank account must match the XXXX  of the XXXX application. They admit that I applied under the XXXX name with the XXXX XXXX. But because they deposited the funds into my XXXX  account, they now can not or will not seem to correct the situation so that I may receive the second draw or even seek forgiveness for the first draw. The promissory note they prepared and I signed listed only me as an individual as the obligor. Had they listed my XXXX  as the obligor, I would have brought to their attention AT THE TIME, that I did not apply under my XXXX. I have since signed another " replacement '' promissory note provided to me by Bank of America that lists as the borrower my XXXX. They know that the error is solely on their part but refuse to take the steps necessary to correct their error to my substantial financial detriment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have demanded Equifax numerous times to send the ending results of account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX being deleted from my consumer profile ( SEE ATTACHMENTS ). Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
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. XXXX XXXX Account # XXXX, 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 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

I'm writing in a response to a recent debt verification request from me to XXXX XXXX  and credit bureaus. I requested debt verification for a signed agreement with original creditor and or agreement with XXXX XXXX XXXX XXXX  that they have a legal right to collect the alleged debt. since over 60 days ago but no response until I file a complaint through cfpb. On XX/XX/2022 I received a letter in the mail showing just a billing statement and not any signed agreements or application from the original creditor or any agreement that I had signed a contract to pay XXXX XXXX XXXX if original debt is not paid. If this information can not be furnished in a timely manner pursuant to the fair credit reporting act, it must be deleted from my credit file immediately. Also attached is a letter requesting more detailed info from XXXX XXXX XXXX. Please send information I requested via usps to my mailing address. Lastly the account information that is furnished on my credit file is totally different from the statement i received from original creditor. This is misleading information and needs to be deleted from my credit file because this information was not furnished properly Thanks Sincerely