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

Subject : URGENT DEMAND FOR DELETION OF INACCURATE COLLECTION ACCOUNT ( No. XXXX ) VIOLATIONS OF FCRA, STATE LAW, AND CFPB CONSENT ORDER To Whom It May Concern : I demand the immediate deletion of the fraudulent and defamatory collection account ( No. XXXX ) from my credit file. This account violates the Fair Credit Reporting Act ( FCRA ), state consumer protection laws, and the CFPBs consent order against XXXX ( CFPB XXXX XXXX, XXXX ). Failure to comply will result in legal action for statutory damages, punitive penalties, and regulatory escalation. 

Egregious Violations Fabricated Past Due Debt : The account claims a {$750.00} past due as of XX/XX/XXXX a future date as of this letter. This is factually impossible and proves the data is fabricated. 

FCRA 607 ( b ) : Requires maximum possible accuracy. Reporting future debts violates this. 

Chronological Inconsistencies : Opened XX/XX/XXXX, yet payment history shows C ( current/paid ) marks from XX/XX/XXXX to XX/XX/XXXX, conflicting with the collection status. 

Terms : 1 Month is nonsensical for a cell phone account, which is typically a monthly service. 

Reinsertion Without Notice ( FCRA 611 ( c ) ) : If this account was previously deleted and re-reported, XXXX failed to notify me in writing within 5 days, violating federal law. 

CFPB Consent Order Violations : The CFPBs XXXX lawsuit penalized XXXX for failing to maintain reasonable procedures to ensure accuracy. This account exemplifies the same misconduct. 

Legal Demands Permanently delete Account No. XXXX within 5 business days.

Certify in writing that all inaccurate data has been erased. 

Send me a revised credit report confirming deletion. 

Failure to Comply Will Result In : CFPB/FTC Complaints : Citing Experians ongoing violations of the XXXX consent order. 

State Law Claims : Consumer Protection Act ( e.g., deceptive practices, defamation ). 

Lawsuit for Damages : FCRA 616 : Willful noncompliance ( up to {$3500.00} in statutory damages + attorney fees ). 

Punitive Damages : For reckless disregard of accuracy.
Product: Checking or savings account

My checking account is missing and inbound external ACH transfer amount of {$3000.00}. The external ACH transfer reference number is : XXXX. I have contacted customer service several times since XX/XX/2023 and created multiple cases, disputes over phone but have not received any confirmation of my complaint by letter or email. No one reached out to me so far. My Citibank case numbers are XXXX, XXXX and XXXX. 


In XX/XX/2023 I have deposited a total amount of {$6000.00} to my Citibank checking account including one XXXX deposit of {$3000.00} and ACH deposit of {$3000.00}. But currently my accounts has balance for only {$50.00}. 

The transaction entry for XX/XX/XXXX for withdrawal amount {$3000.00} shows a description that has text like ACH reversal for XXXX dated XX/XX/XXXX. 

My CPFB complaint numbers related to this case are XXXX XXXX XXXX
Product: Checking or savings account

I opened a savings account with Marcus on XX/XX/2022. 
I then immediately funded the account with {$1000.00}, in XXXX {$500.00} installments, from a checking account in my name at XXXX. 
Accompanying this complaint are statements from Marcus and XXXX showing the transaction from XXXX and the balance at Marcus. 
On XX/XX/XXXX, 1 month later, I attempted to withdraw my balance from Marcus back to the funding XXXX account. 
These were the only transactions attempted, and both accounts are in my name. 
Within a few hours of attempting to withdraw my funds I found that my Marcus Savings Account had been locked, denying me access, and I was directed to call support. 
After more than one phone call, I was told that my account would be closed, and they refused to tell me the reason. 
They told me that my funds would be sent back to the funding account within 3 days. 
More than 10 days have now passed and I have not received any funds or notice from Marcus, and I obviously do not have access to my account.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted i did not authorize these companies to run my credit which is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to XXXX, XXXX and XXXX as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XX/XX/XXXX payment history on credit file show XXXX having been 60 days late. Date of first delinquency XX/XX/XXXX payment history on credit report has XX/XX/XXXX being the first reported delinquency.
Product: Credit card or prepaid card

Comenity Capital Bank has refused to honor their Virgin America Visa Signature Card sign up bonus. Their credit card bonus terms state : " Earn XXXX bonus points after you make {$1000.00} in eligible purchases within your first 90 days as a cardholder. I have had the card since XX/XX/XXXX. I have spent over {$1000.00} within first 90 days, and the last qualifying purchase posted to my account on XX/XX/XXXX. It is going on seven months since the spend minimum was met. On XX/XX/XXXX, I secure messaged and previously called Comenity and their reps said they will not take responsibility for their own credit card promotion and to contact Virgin America. I contacted Virgin America in XX/XX/XXXX and they also take no responsibility and have not responded with a resolution after multiple calls and emails.
Product: Mortgage

In XXXX of XXXX  my property at XXXX XXXX XXXX, XXXX, MA was refinanced with Citizens Bank for a traditional mortgage in the amount of {$86000.00}. At the time I had two loans with Citizens, a home equity loan and a home equity line of credit. Both were paid off at the closing on XXXX XXXX, 2012. In the process of applying for a new home equity line of credit with a local bank a title search was done. The title search shows that two loans ( one home equity loan and one home equity line of credit ) which were paid of in XX/XX/XXXX  were never discharged by Citizens Bank. 

This has created a delay in the process of obtaining a new home equity line of credit and is impacting my family because part of the new home equity loan was meant to be gifted to a family member to use as a down payment on the purchase of a new home. Because of this issue everything is on hold at this time. 

I found out about this problem on Tuesday, XX/XX/XXXX, and I have since reached out to Citizens Bank multiple times. I have spoken with several people. I met with the local branch manager ( Greenfield, XXXX ) who helped as much as she could. My issue has been " escalated '' and I am supposed to hear from someone in the next few days, but I am running out of time. This needs to be resolved quickly. 

I have two reference numbers that might be helpful - a case # XXXX and a Customer Care ID XXXX. I can be reached at XXXX or through email at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit reports with credit karma since 2013 and for the past 5 years they have ruined my credit with multiple infractions; including but not limited to reposting old closed credit accounts as new open debts, marking late or missed payments on accounts and never dropping them after our Leander reached out to them on several occasions with proof of on time payments made. The offered loans and credit cards that I never would have initially applied for if they weren't guaranteeing excellent approval odds, just to be denied and lose credit points. They have been the reason my score is constantly up and down because a lot of the reports have inaccurate information even though I am constantly sending them disputes on the old/paid/closed accounts, inaccurate approval statuses and inaccurate payment status history. This company is unethical and needs to be monitored more carefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have tried to let them know that I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

THE ITEMS LISTED ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!
Product: Debt collection

On XXXX XXXX XXXX I received a collection request letter from ERC for a supposed past due bill of {$69.00} from XXXX. The past due bill was for a final payment from when I moved in the XXXX of XXXX. The final payment had n't been automatically taken out after I moved and set up a new account. When I was informed about it in XXXX XXXX I called the billing department at XXXX on XXXX XXXX and arranged for the payment to be debited from my XXXX  XXXX XXXX checking account. I was then given a confirmation number that I was told proved I paid the remaining bill. I did n't hear anything from XXXX about the account until I got the collections letter on the date previously mentioned. 

I contacted a XXXX agent over the phone to try and resolve the issue. I was told that I would have to go to my local XXXX office to resolve the issue. On XXXX/XXXX/XXXX I went into the office. I gave them the confirmation number. I was told that their computer said that I did n't pay the bill in XXXX of XXXX despite that I had a confirmation number from XXXX of XXXX that was to prove that I paid the amount. I asked them how I could prove that I had paid the remaining balance in XXXX of XXXX other than using the confirmation number I had been given. I was told that was n't enough proof and I would have to get a statement from my bank. 
I went to my bank and asked for proof of the transaction. My bank gave me a printout of the transactions that showed that on XXXX XXXX XXXX {$69.00} was debited from my account to XXXX. 
I brought the statement back to the XXXX office to show them. After scanning the statement I was told that the agent there could n't do anything and the issue was being sent to billing and that a ticket was being created about the issue and I would receive a call in 2 to 3 days. After 7 days I had yet to hear from anyone at XXXX. I called them. At first I was directed to call the collections company and take it up with them. The agent gave me contact info for a completely different collections agency. I contacted them and they had never heard of my account. I then called the collections agency, ERC, that I got the letter from. I was told that they had not heard from XXXX and the account was still open. 
I called XXXX back and was connected with a senior representative. She told me that the ticket had been closed on the same day it was made and that the agent noted that there was not enough proof that I had paid the bill. I asked her what more proof I could give to prove that I had paid the bill. She said that there was no way I can prove it and that there was nothing else XXXX would do and I would just have to pay the collection agency. 
I am very distressed by this. The confirmation number and a statement from my bank were not enough proof. How is anyone safe from constant continues billing. If there is anything you can do to help me with this issue I would greatly appreciate it.
Product: Mortgage

I purchased in XXXX and my loan was sold to XXXX . They are not applying my payments appropriately and have charged me fees for issues not on my end. I can prove that I sent my payments in plenty of time to avoid any fees yet they continue to tell me that it is my fault that the payments are not being received. That is impossible because I'm using the online banking bill pay and no other payments i make are an issue. I have quadruple checked the banking information and I know it's not the banking information because ONE payment successfully went through in XXXX and was applied appropriately to my account. So that proves to me that all of the information on my end and the process on my end is working. It is the receiving end with issues. The first time it was outright rejected and that is notated clearly on my banking memo. This is not a paper check that is mailed to them. This is an electronic payment that they received within 2 days. The customer service representatives tell me I need to " learn how to use the mail system ''. And I need to " learn how to pay my bills in time '' and they are unhelpful. They will not look at anything that I'm asking them to look at which gives me this feeling that this is created specifically to collect fees. I tried to pay on the site to avoid a ding to my XXXX credit score and they said I had insufficient funds and noted that on my account. That's crazy and a blatant lie that I can also prove. Just a terrible experience to deal with the past three months. I'm still trying to get XXXX paid and I have made four attempts that Newrez is still rejecting. I'm about to file suit honestly.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX BANK Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital One tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXXXXXX XXXX  as well as XXXX and XXXX XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Product: Credit card

Ordered an item from XXXX, they shipped the item without any means of signature confirmation. There was only a XXXX tracking number with a close-up photo. The biggest issue is that I didnt receive the item. I reached out to XXXX who insisted that the shipping and delivery confirmation method without a signature requirement is consistent with policy. Amex has insisted that is consistent with their network policy. How is this exactly fair to a consumer who purchases an item but never receives it? I have attempted two times to reopen the case with Amex who have stopped the charge back process and ruled in favor of XXXX.
Product: Debt collection

XX/XX/XXXX AMOUNT I DO NOT OWE IS {$1800.00} AND XX/XX/XXXX AMOUNT I DO NOT OWE IS {$670.00}. THESE AMOUNTS WERE ILLEGALLY PUT ON MY CREDIT REPORT BY XXXX XXXX ( {$1800.00} ) ALSO MIDWEST RECOVERY SYSTEM ( {$670.00} ) MY CREDIT REPORT HAS BEEN DISRUPTED BECAUSE OF THE FALSE IMPLICATIONS OF THE AMOUNT OF MONEY I DO NOT OWE. 
I AM BEING HARASSED BY THESE PEOPLE AND IT IS NOT RIGHT.
Product: Mortgage

After months on a forbearance due to covid 19 crisis, I applied for a loan modification to my lender in XX/XX/2020. After months of letters and requested documents back and forward with them ( I sent 68 set of documents requested ) I got a letter for them, giving me me only 2 options. Fist, sell my house immediately, second deed in lieu. 
No other option. I have more than 50 % loan to value in my house and a good credit score. I was told by their customer service that they are going to add my pending payments to the principal and I have to start making my regular payments
Product: Consumer Loan

central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Removal for Account Ending in XXXX I am requesting that you permanently delete the 30, 60, 90 day late payment that you have furnished on my credit report for XXXX XXXX XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Experiences between the consumer and the person making the report are excluded from consumer reports. May I also remind you that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required under Consumer Credit Cost Disclosure is mailed or delivered to the consumer not later than 21 days before the payment due date.

This late payment is ruining my credit standing, character, and general reputation, and is preventing me from making certain transactions that my family relies on to live and operate in the banking system. After you have deleted this late payment, please send me a letter confirming that it has been deleted from your files and deleted from any credit reporting agencies you have furnished the information to.
Product: Credit reporting or other personal consumer reports

Credence Resource Management is reporting incorrect information on my credit report I have tired to fix it with them and they are no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS LISTED ON MY CONSUMER REPORT FILE THAT I NEVER OPENED OR USED
Product: Credit reporting or other personal consumer reports

XXXX  credit card not mine, dont know who they are. Opened XX/XX/year> never paid {$350.00} XXXX/XXXX  opened XX/XX/year> owed {$1400.00} Capital one opened XX/XX/year> owed {$590.00} These do not belong to me all my other cards were paid off and on time
Product: Debt collection

I have received a letter from QCS-Qualia Collection Services with letter informing me this is an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS
REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 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 not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Student loan

I want to make a complain against Navient. I have been paying my school loans since I believe XX/XX/XXXX/XX/XX/XXXX and just recently in XX/XX/XXXX I lost my job. I called Navient to see if I had other options besides forbearance. They mentioned this would be my only option but this would still mean that my percentage rate will still apply every month regardless. Its frustrating to me because I have a very high interest rate that they wo n't allow me to change. So I am paying double at the end. When I did file for a loan I was not aware of how much interest rate I would get hit with. I am out of my wits with no help and a growing loan that has not yielded anything for me!