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

I wish to exercise my right of erasure under data protection law. 
I DID NOT and will never give you consent to us any of my personal or professional data. The data that you currently have of mine was illegally collected with out my consent. 
You can find guidance on your obligations under information rights legislation on the website of the XXXX XXXX XXXX ( XXXX ) as well as information on their regulatory powers and the action they can take. 

Please send a full response within one calendar month confirming if you will comply with my request. If you can not respond within that timescale, please tell me when you will be able to respond.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX  credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from SANTANDER CONSUMER USA. 

In accordance with the fair credit reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit card or prepaid card

I applied for a Goldman Sachs Apple credit card, but I can't see my card number when I log in to my online account. I called Goldman Sachs customer service and he said that I need an XXXX to see it. I said I don't have an XXXX, I only have XXXX XXXX  computer, can I get a physical credit card, customer service told me to go to a local apple retail store, the clerk would give me a physical credit card, and the next day I went to the apple store, the clerk said he didn't know about it, asked me to go back and call the credit card customer service again, I called the credit card customer service again, they said that I can only apply for a physical card by myself using the XXXX, there is no other way
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  Account XXXX - XXXX. I recently reviewed my credit report and noticed that It was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I '' ve attached a copy of my to this complaint on the following months 2024 XXXX, XXXX XXXX XXXX, XXXX all has been paid on time. I '' m now requesting you Investigate this account and update these payments to PAID ON TIME IMMEDIATELY
Product: Debt collection

I have been sent to a collections agency ( Frontline Asset Strategies ) for a XXXX bill of {$3600.00}. Frontline let me know that apparently there was an account opened in my name in XX/XX/2022. I have never been a XXXX customer. I've been a XXXX customer for over 10 years and I am on my father 's plan. I have never inquired about being a XXXX  customer, either. The account is now impacting my credit score. I've submitted 2 disputes with XXXX  regarding this issue and have not heard back from them. I've also submitted a police report with the XXXX Police Department. They informed me that no investigation will take place on their end. I would like this account removed from my name, as it's causing issues with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with XXXX, the company in which the cards were issued from. XXXX has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and Equifax still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from XXXX.
Product: Credit reporting

XXXX XXXX bank account # XXXX this account is a old account and should be removed it was closed by the grantor i would like it removed i tryed to contact transunion on the matter and got no where please remove this from my transunion report thank you
Product: Credit reporting

I paid for a vehicle. The Lender was XXXX XXXX, in XXXX XXXX, Va. I have pulled my credit reports in the past year, and I do not see the positive feedback/report of my Vehicle Purchase. I have a letter from XXXX XXXX that my Vehicle was " Paid in Full, No Late Payments ''. I do n't understand that! That was an XXXX purchase paid for in Two Years. What can you inform me, or help me to understand all this situation, because to ME ... it was a real big deal, having paid for this new ( new to me ) Vehicle. Thank You. My credit score was Low when i bought this truck, and i see no difference for my sucessful payment in full. Also, there is a " pay or quit '' notice showing, but the lease was NOT a contract between Me and the Apartment. It was an agreement from the in which i live, and i had to experience a city employee that did NOT do her job properly, hence, I ... got the legal papers that were degrogatory, I called her to get her to " do her job '' so, she Did pay the City 's portion of this One Year Lease, but the bad marks are STILL on my credit report. ... ALSO, I went to return an antiquitated cable box that I found sitting IN a box for 9 Years. To sign in at the Cable co. they TRICKED me into giving my Social Security number, I did return the box, *trying to do the " right '' thing, YET ... the cable co. is trying to get me for an XXXX Bill XXXX that I had NO idea of ... my Ex.B.F. ordered cable w/o my knowledge, and has moved away, i have no idea where he is ... nor do i care, so ... how can they stick ME with that bill, when I did NOT even order it, nor, watch it.? Please help me with these issues, i will NEVER pay that bill, one reason being the " Principle ' of the matter ... second being ... I ... never ordered that service. Thanks so much.
Product: Checking or savings account

I have a NetSpend premier card for my payroll direct deposit. My paydyis on Monday. I have used the same card for nine months and usually get my deposit on Sunday night. On XX/XX/2018 I did not receive a direct deposit. NetSpend said it was an issue with my job not sending a deposit. I talked to my job who emailed our payroll. My payroll then sent an email to my job from NetSpend that said there was an issue with the bank and my deposit would be made no later than XXXX XXXX on Monday XX/XX/XXXX. At XXXX XXXX still no deposit I called NetSpend who tried to tell me again that my payroll never sent a deposit and when I told them my job got an email from them saying there was an issue with the bank they changed their story apologized and said XXXX had maintenance issues and it would be deposited no later than XXXX. At XXXX still nothing. NetSpend then said the deposit was for sure going to be posted before midnight. It is now XXXX XXXX Tuesday XX/XX/XXXX and still nothing. NetSpend is now saying they are working on the problem at XXXX. XXXX says they do not have an email on the deposit. And since this morning XXXX has disconnected the phone lines. XXXX says it's an issue with the federal reserve. The federal reserve says it's an issue with XXXX. I have bills due. Rent due and still no paycheck. My deposit was for {$300.00}.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

Citibank changed their policies on charging monthly fees. They started charging me {$25.00} / month. Many months went by before i noticed. I tried multiple times to telephone them. They have a completely incompetent call center in XXXX that disconnects the line, gives misinformation, etc. You always spend 1 hour trying to call them. After tiring of how poor their service is, I moved to close the account. As part of  that process, I said that I needed to download my checking account statements to save them for my records for taxes, etc. They said I could do so, that my online account would remain open. I went to feed my children lunch and have just returned to the computer and can not access the statements. i contact citibank on " chat '' and they claim i can not access statements. the people in " chat '' take no responsibility for what i've been previously told. after paying {$25.00} / month i can't even get a copy of the statements! This bank is so bad it's unbelievable. I just want to get out of Citibank with my records. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX see attachments of the FCRA violations : XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$910.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$910.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$540.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$540.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2800.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$2500.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$1100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$1000.00} Date OpenedXX/XX/XXXX Dispute XXXXXXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeSecured Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXXXXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$20000.00} written off. 
XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was supposed to write personal check for my city of XXXX property taxes for {$6700.00}. 
I use online banking and no longer have an ordinary check book with exception of bank provided numbered check that was provided for me at the initiation of my account. 
I called Wells Fargo ( my Banking Institution and gave them the check number, XXXX, and told them that I was getting ready to write this check and would it be OK? customer service agent assured me that everything looked ok. I wrote the check and along with two bills ( for each 6 months ) to the city of XXXX Department of Finance. 

On XX/XX/XXXX I received a " Notice of Secured Payment Returned Unpaid '' Wells Fargo denied payment and as result I was forced to pay additional fine of {$330.00} plus {$53.00} fine for a bounced check. 

I had enough money in the bank, and the bank should have honored my check. 

In conversation with bank managers, first they claimed that city deposited the check in excess of two months period which is the banks grace period for their cashing a check. in another words they say if the check is submitted for payment later that two months of the date on the date that was written, then it would be declined. 
In contacting the city I was told that the check was posted on XX/XX/XXXX. Ten days to be exact, but not two months after the check was written. Then they changed their story and told me that it was denied payment because the accounts were not linked therefore they where unable to pay. This statement contradicts directly with what I was assured on the phone prior to writing the check and I thinks it is banks responsibility to cover the extra penalties I incurred. Banking institution ought to be a trusted source for their customers in relation to their finances, but not to create heart aches. 

I appreciate your assistance in resolving this matter.
Product: Credit card or prepaid card

Consumer Financial Protection 1700 G Street NW Washington, DC 20006. 


ATTN : DISPUTE/CLIENTN RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2021 Recently, I, XXXX XXXX XXXX was closed out of my relationship with two CAPITAL ONE credit cards. Accounts ending in XXXX and XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CAPITAL ONE has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 



Best, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

An account was set up in my name thru Affirm, I had never even heard of this company until it showed up as multiple delinquent loans thru Affirm that was an alert from XXXX XXXX lowering my credit score significantly. When I contacted the company to find out what was going on I was told my account ( the account I never opened ) was delinquent and there are multiple loans from various goods /products purchased from XXXX XXXX XXXX XXXX that have never been paid. I went online & filed the report requesting a fraud investigation and was told 5 days I would get some communications from their fraud dept. I never received anything so I called back the next week again same run around. I finally got a rep from Affirm to confirm with me the address where the goods/ products were shipped to along with the phone number used to open the account and told them who the individual was ( my ex wife opened the account and intentionally did this after our divorce ) I asked for documentation to this effect so I can file charges against her for identity theft & fraud and they have yet to give me a status of the investigation or provide me with anything to use to file a police report. In the meantime they continue to make derogatory remarks to the credit bureaus and it is affecting my credit.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Experian on XXXX and XXXX regarding an account for XXXX. Experian is reporting inaccurate information and will not remove this account from my credit report as I requested multiple times. Please see content from the letter I mailed Experian : XXXX To whom it may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. High Balance is inaccurately being reported. Also, Closed Date is being reported inaccurately. 
I also sent them a a screen shot of the account with the detailed information and request that they please remove the account from my credit report due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I ws a victim of XXXX and my accounts ( closed, delenquent and collection status ) were overtaken by XXXX from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXX XXXX victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

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, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from JPMCB CARD that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that JPMCB CARD is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

On XX/XX/2021 I sent a letter to I.C. SYSTEM, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to SANTANDER BANK N.A. XXXX. 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 SANTANDER BANKs customer service representative.