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

I am writing to formally dispute and file a complaint with BARCLAYS BANK DELAWARE regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries. 
I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that BARCLAYS BANK DELAWARE conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Credit reporting or other personal consumer reports

CHARTER COMMUNICATIONS keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to THE CBE GROUP INC-FORMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}
Product: Credit card

I received a sudden email with the subject " Notice of account closure '' from Citibank. The email itself did not contain any information about any closure but said I had a message waiting on their system and to click the link to login. Upon doing so no message was available. When I called Citibank to discuss this the agent did say that my account was closed. While they were apparently under no obligation to notify me in advance that my card would be cancelled due to inactivity, I have in the past been so notified by creditors for a variety of reasons including their ability to remind me ( i.e. sell me ) the features of my card and entice me to use it again. In such cases I have been reminded of better benefits and resumed such use. However, my complaint largely centers around the fact that they are able to do this when it can directly impact my credit rating by reducing my credit capacity. I can easily envision a circumstance where somebody less fortunate than myself was successfully able to build credit worthiness but opted not to use their credit card so they did not carry any debt. However they would need to get a loan for a home or car, or to apply to rent a home/apartment. Losing that credit capacity and in turn lowering their credit rating could have an adverse effect when trying to leverage credit in those other circumstances. It seems fair to me that a credit card company should at least provide a few opportunities for a consumer to maintain the account before cutting it off so as to avoid these situations.
Product: Credit card

I applied for Citi Double Cash credit card in XX/XX/2016 with advertised promo of 0 % APR on purchases. After my second bill was released I have an interest charge and customer service representative claims that my account has standard APR on purchases and 0 % APR only on balance transfers. Even today Google results bring up searches with 0 % APR on purchases offers for this card which actually do not exist. Big banks like CITI should have better control of information provided by universal search engines than that. I assume they spent millions on advertising every year. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with transunion. They did their investigation and came up with the conclusion that the old account was indeed mine. Ok that is fine. The problem with that was after that dispute my credit score went down 61 points. They said other things affected the credit score but on the report it says no new changes. The only thing i can see was when they  updated that dispute. called Transunion and they said nothing can be done.
Product: Debt collection

Southwest credit XXXX  is attempting to collect a debt that belongs to a business. I requested a debt verification and all they sent was old invoices but no contract or anything stating it belongs to me. On XX/XX/2021 they reported it to XXXX  causing my credit to decrease. They did not wait for a response and violated my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX- {$1100.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 card or prepaid card

This bank is crazy has nothing better to do than be bothering me I was declined initially for my freedom card their executive office got the account opened with lending since my credit was not established enough but it got approved then I get notice after they mailed me my card how is this fair what their doing is illegal I started using my account ans they mail me letter closing my account for the same reason as they insitallt declined my application telling me my credit history is too short when I have a paid auto loan and this is why I got approved their crazy they closed my card for the same reason they didnt want to approve me for credir reasons and its not negative my credit history is too short for them when I contacted lending they told me they want to reinstate my card but havent
Product: Student loan

I contacted the the servicer in XX/XX/2021 about them incorrectly reporting that some of my loans were reporting as late in the past. They had recently fixed some of their other errors on my reports but did not fix them all. They refuse to fix their errors and have not been responsive in the past to keeping me informed of the status of my loans. They now will be dropping my loans at the end of this year and I fear that their errors will never be able to be fixed which will adversely effect my financial life. Please contact them to get these erroneous late payments removed from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX : I opened the VanillaGift card for the first time. I went to VanillaGift.com to verify the card balance before using, the balance was XXXX so I then called the customer service number ( XXXX ) XXXX on the back of the card and a XXXX balance was stated again with a charge history of {$5.00} for which I took was the activation fee charged when purchased by Hype Roofing and Construction. After reviewing the cardholder instructions, it stated to Select any 4 digit PIN at first use. The card was given to me in XX/XX/XXXX by the Owner of XXXX XXXX and XXXX as a gift for installing a new roof. 

XX/XX/XXXX : My first attempt using the card was at XXXX in XXXX, TX where I tried my 4 digit PIN with no success. Called customer service found 30 charges @ {$5.00} each for XXXX XXXX had posted against the card in XX/XX/XXXX but I explained, I'd just opened the card on XX/XX/XXXX. 

XX/XX/XXXX : I filed Dispute, Case ID / XXXX and received email confirmation. Called XX/XX/XXXX and customer service says they have no record of Dispute, faxed same documents the same day. Called week of XX/XX/XXXX to verify status and was aked to call back on XX/XX/XXXX due to no status available. Called XX/XX/XXXX and was told to wait a few more days and call back. Vanilla Gift 's Dispute timeline for resolution is 90 days from the date of receipt. Original Date of Dispute was XX/XX/XXXX and 90 days from there, XX/XX/XXXX. Its now XX/XX/XXXX with No resolution.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$470.00}
Product: Credit reporting or other personal consumer reports

this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account XXXX XXXXXXXX date opened -- XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to the Credit Reporting Agencies requesting that the Credit Bureaus conduct another investigation on my Credit Report and verify the information being reported by the Accounts on my Credit File. I am frustrated and feel there are many errors that are still being reported on my personal Credit File. The Credit Reporting Agencies are required to validate the disputed Accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable for the Credit Bureaus to continue reporting the disputed accounts without providing me any proof of verification within the time period allowed by law. I am submitting this CFPB complaint to remind the Credit Reporting Agencies to verify the accounts being reported on my Credit report and correct or remove any erroneous accounts from my Credit report : XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

After reporting this fraud that simply pumps out application denial after application denial after I've reported ID theft to them, sent the police report ( s ), a notice to furnisher, my identitytheft.com report, and CFPB complaint numbers XXXX XXXX and XXXX I just received an email from them ( XX/XX/XXXX at XXXXXXXX XXXX mst ) that they acknowledge what I've reported, apologize for the impact it has had on my life, and let me know that they do not remove credit inquiries after they have fraudulently created 17 since XX/XX/XXXX. They mention that once I sign something, etc... .only I have never signed anything, and have been asking them to stop processing multiple applications since XX/XX/XXXX. 

Violation of the FCRA which I have passed to the team at XXXX, has still gone ignored as this fraud seems to think that they create the rules governing credit reporting. They also offer me advice as if they know anything at all about anything, instead of the racketeering, fraud that they are. 
They also continue to reference the same number in all of their emails, which started as an application number and is now referred to as an account number. Which I have no access to. 
Email attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 4th time I am disputing the medical collection account for {$380.00} with XXXX XXXX XXXX with Experian for multiple violations of the FCRA. 
**I have disputed this myself each time, and still am, and there is no 3rd party or credit repair service involved in this request. I, XXXX XXXX, affirm that I am submitting this dispute complaint on my own behalf. 
Violation # 1 ) XXXX  will not provide proof of this alleged debt, yet continues collection activity and credit reporting, and verifies as accurate when disputed. 
Violation # 2 ) Experian has failed to perform a proper investigation. I have disputed this debt three times with Experian, who is now dismissing this request as frivolous and continues to allow reporting of an alleged debt that can not be validated.

Violation # 3 ) There can not be a Past due amount reported on a Collection account, yet my report shows Past due {$380.00}.

I have disputed this Medical collection debt multiple times with XXXX and asked for validation, and have filed a CFPB complaint against them. ( see attached ). As of XXXX, I still have not received proof of this debt, nor a copy of the original bill from the original creditor. 
I have also contacted the original creditor, XXXX  XXXX, and they have no record of this debt. 
I have disputed this debt with Experian multiple times, and have filed a CFPB complaint against them. I have also sent copies of all my dispute correspondence with XXXX to Experian several times now, as proof that I have already disputed and attempted to resolve this on my own with CMRE with no success. 
I have also requested XXXX Method of Verification regarding this debt on XXXX, with no reply. 

This is the last time I will ask for removal of this account from Experian. If this account is not deleted from my report within 15 days of receipt of this complaint, the next correspondence will be from my attorney. IT IS ILLEGAL TO CREDIT REPORT A DEBT THAT THERE IS NO PROOF OF. 
**XXXX  has already removed this account from my credit report, but Experian will not. See attached confirmation.
Product: Credit card or prepaid card

This complaint is about the PNC Bank-XXXX  credit card policy involving abusive consumer payment due dates. 
I have been a customer/depositor of PNC Bank for over 30 years and a PNC XXXX  credit card user for at least 15 years. During this period I have made timely monthly payments in full for my monthly credit card charge balances. I make these in full payments each month, in person and by personal check, at my local PNC branch bank so that I can obtain a written receipt acknowledging my timely payment in full for the monthly balance due. 
For the month of XXXX, XXXX, my XXXX payment was due by Sunday, XX/XX/2021. When I arrived at my local PNC branch bank on XX/XX/XXXX, I discovered that the branch was closed because it was Sunday. On the next business day, Monday, XXXX XXXX, I paid my monthly balance in full in the amount of {$190.00}, at my local PNC branch bank. 
In XXXX, XXXX, I received my monthly PNC-XXXX credit card statement for the period ending XX/XX/2021. The statement included a late fee of {$27.00} along with an interest charge of {$4.00} because I failed to pay my XXXX, XXXX  balance by XXXX XX/XX/2021. 
Thereupon, I called the Visa customer service department, seeking a reversal of these abusive, egregious charges in the total amount of {$31.00}. Finally, upon my demand, I was connected to a customer service supervisor who had the authority to extend to me a " one time courtesy '' of removing these charges from my account. This reversal resulted in a balance due on XX/XX/2021 in the amount of {$190.00}. This sum was paid by me on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX, XXXX, TX XXXX Date Reported : XX/XX/19 This is reported as one of my addresses and I have always lived in Iowa my whole life. This was under the section of social security trace. 

Thank You XXXX XXXX XXXX
Product: Debt collection

I never open or purchase anything from JH Portfolio Debt Equiti, they are reporting me as being in Collection in the amount of XXXX $ which is false reporting because I never did business with JH Portfolio. Presently I have a 100 percent payment history and this false reporting is causing my credit score to be low and I am unable to obtain loans. Please help me to get JH Portfolio removed from from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

At the end of XXXX, I contacted Tower Loans to notify them that I had an upcoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I would be out of work for around XXXX XXXX months and I needed to ask for assistance with my payments, and the interest etc due to the financial hardship. The store representative XXXX. stated she could not remove any late fees the system would not " allow '' her to and i could make payments via cash or money order for a partial payment. I was attempting to make a payment of {$280.00} with my debit card over the phone and she refused to take this payment stating the system would not allow her. During my post op appointment weeks pior, XXXX the store representative contacted me via phone asking me to leave my doctors appointment, and meet her in a different town and bring her cash payment! This is not appropriate and I asked this company for help and informed them of my situation well in advance and they have refused to help me in any way. I am still not back at work and wont be until the end of XXXX due to XXXX XXXX XXXX XXXXXXXX XXXX. I have attempted several times to make a partial payment via debit card and its always refused unless its cash, money order, cashiers check, she has come to my home, and I dont understand how this is acceptable business practice! Its as if they just want to continue adding fees to my account and their refusal to work with me is baffling! Based on the reputation of this company, this is normal, they harrass people at their homes, wont work with anyone and try to make you refinance to get more money! they are predatory lenders and need to be shut down!
Product: Credit card

JP Morgan Chase XXXX XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have noticed that I was charged the XXXX XXXX XXXX monthly fee {$9.00}. The charge itself does not have any problem since I am a member and enjoying this service of XXXX. However, the charge was made with my current Chase credit card ending XXXX, which is not registered to XXXX account ; therefore, there is a serious question how XXXX got my card information. I would like your company to investigate this matter to clarify how your company employee or somebody who oversees website account management got my personal information, which should be keep secret according to the international law, since I am a XXXX national. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Acct # 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 or other personal consumer reports

I believe this was a reported issue as well and lawsuit but they refuse still to update correct information. There are two other ss # 's shown that are not mine. And they will no remove the information or even allow the dispute. I will include attachment. I have asked for years that they are removed.
Product: Credit reporting or other personal consumer reports

I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any 3rd party consent to furnish a report. Please be reminded, no consent is identity theft. Please remove the following : XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Debt collection

On XX/XX/XXXX ( date my wages was garnished as I never received an actual court order ) against me, XXXX XXXX for an alleged debt. 


I, XXXX XXXX contacted my Department of Human Resources and they provide me with the order provided to them from XXXX XXXX XXXX, Court Officer. XXXX XXXX XXXX XXXX is located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX When, I XXXX XXXX received the paperwork from the Department of Human Resources I notice that the judgment dated XX/XX/XXXX and the court issued dated was XX/XX/XXXX. I, XXXX XXXX was never notified or received any paperwork of either of these dates. 


I, XXXX XXXX contacted XXXX XXXX to request a tracking number for the documents I was suppose to receive and they did not have such information. I, XXXX XXXX also contacted Court Officer XXXX XXXX XXXX and there was no response. 


On XX/XX/XXXX, I XXXX XXXX received a letter from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX informing of a Notice of Application for Wage Execution after they had already taken the wages on XX/XX/XXXX. 


3. Failure to Provide In accordance with New Jersey Court Rules and the FDCPA, before garnishment, can proceed, a debtor must properly notified of the judgment and the garnishment order. Specifically : Under N.J.S.A 2A:17-50, the debtor must be given proper notice of the right to request a hearing to dispute the garnishment. 


The FDCPA ( 15 U.S.C. 1692g ) requires to the creditor to notify the debtor of the debt and provide an opportunity to dispute it before taking legal action to collect it. 


In the case, Defendant XXXX XXXX was not served with proper notice, nor was there a meaningful opportunity to contest the garnishment before it was executed.
Product: Student loan

I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.