23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. 

It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting a debt that does not belong to me. This debt is for an address Ive never ever lived at. See attached copy of my id that reflects my current and complete correct address
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 XX/XX/XXXX and XX/XX/XXXX 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. 


XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX and XXXX/XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I previously contacted Equifax Information Services due to inaccurate information being furnished on my consumer report and provided proof of the violations and requested the information and all other inaccurate information be removed at their earliest convenience. I was told through the CFPB portal by Equifax that they did confirm the information was being report inaccurately and it would be removed. I then received a letter from Equifax in the mail to complete identity verification. I did what was requested and provided the documents to verify my identity via mail in XXXX and have not yet received a response. Up until this point I do not have access to my Equifax file or credit score and I can not tell what information is or isn't being reported accurately. I am prevented from making an account online and Equifax has not sent copies of my updated file or written confirmation that the previously reported account has been deleted. I am unable to apply for credit specifically because Equifax is potentially being negligent with my Consumer Credit Profile. This is costing me a tremendous loss and loss of opportunity. There are multiple FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a Identity Theft yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : AFNI , INC . This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Account number XXXX
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 Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$9800.00}
Product: Credit card or prepaid card

I paid in full Synchrony bank for Sam 's Club credit card {$680.00} twice. Once on XX/XX/XXXX and again XX/XX/XXXX thru their online payment portal. I was given an error when making the original ( first ) payment stating it did not go thru so the next day i made it again. However both payments went thru. When I contacted them, the agent advised me to make a stop payment on one of them thru my bank, which I did. I made a stop payment on only one payment. On XX/XX/XXXX I reordered a new card, I was told their backline department had incorrectly made a payment correction and it showed I still owed the {$680.00}. There has been been 3 separate cases opened on this thru Synchrony Bank managers ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I was also told it was sent to the finance department to fix. I also filled a corporate complaint on XX/XX/XXXX. Since then I have been dealing with them trying to get this corrected and get credit for the payment paying my card off. I have provided statements and tracing numbers from my bank. Every month I have had to contact them and dispute this. They have just sent me a letter stating the information I have provided hasn't been enough ( full bank statement ) and tracing numbers provided to me by the bank and once again it is showing I still owe {$680.00}. According to my bank, the second payment made on XX/XX/XXXX was the payment that was stopped and the original payment of {$680.00} went thru and Synchrony bank received the funds. I have filed a corporate complaint a XX/XX/XXXX amd did not hear back. 
Please help me finally resolve this. I have done everything they have asked me to and provided all documentation that I can. I am attaching my statements showing both payments and the one stop payment as well as the trace numbers provided to me by my bank. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, XXXX, and TransUnion since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or Navient. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!
Product: Credit reporting or other personal consumer reports

I Called Transunion on XX/XX/XXXX ( dispute report # XXXX / CASE XXXX ) I Called XXXX on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I Called XXXX on XX/XX/XXXX ( dispute report # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Personal Information : I requested that all non-mailable addresses and incorrect names/spellings be removed from my report. 

Transunion report # XXXX contained : XXXX non-mailable addresses, 3 incorrect names XXXX report # XXXX contained : 19 non-mailable addresses XXXX report # XXXX contained : 7 non-mailable addresses, 1 incorrect name I requested all 3 credit reporting bureaus remove all 3rd Party collections & charge offs ; These would now be considered Certificates of Indebtedness i.e., income and can not be reported. Per IRS Law. 

XXXX report # XXXX also has the incorrect account number for the charge off with the closed account with XXXX XXXX XXXX XXXX 

All 3 agencies listed above have shared my information for solicitation/promotional purposes in which I did not authorize. In reviewing the reports, I found multiple instances where my information was shared without my consent : Transunion : 26 Promotional Inquires XXXX : 20 Promotional Inquiries XXXX : 50 Promotional Inquires When speaking with these agencies and advising them that they did not have my permission to share my information ; all responded that these are only soft inquires that did not hurt my credit. 

Sharing my personal information without my permission is a violation of the 1974 Privacy Act, 5 USC 522A ( b ) -Conditions of Disclosure, and 15 USC 6802. In addition, under 15 USC 6802 I have the right to opt o of any sharing of my information, which I have done so.

The inaccuracies regarding account numbers and personal information such as listing non-mailable addresses is a violation of 15 USC 1681.
Product: Debt collection

On my credit report. This is not mine. I have do not have an account with them. They have used a different address. This is fraud. 
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$200.00} Open balance JEFFERSON CAPITAL SYSTEM Opened XX/XX/XXXX ( 9 mos )
Product: Checking or savings account

CONTEXT : I made a payment of {$1500.00} to a social media influencer ( a XXXX ) in exchange for an agreed-upon brand promotion of my company. Everything seemed to be going to plan up until it was time for the influencer to upload his promotion, during which he proceeded to ignore me on all channels of communication and essentially just ran off with my money. I got a friend of mine to message him, and he replied to him ( but not me ), with him essentially admitting that he intended to scam me from the start. I tried to dispute this transaction through Bank of America ( with me providing irrefutable evidence that shows that he scammed me, and that I am entitled to get my money back ), but they denied my claim for some reason. I have currently appealed for a revision of the claim, but, unless something is resolved, I feel robbed of the money that should be rightfully mine. 

TIMELINE OF EVENTS : XX/XX/XXXX - Payment sent to Influencer ; ( {$1500.00} ) XX/XX/XXXX - Initial confrontation ; ( no response ) XX/XX/XXXX - Another message to the influencer ; ( still no response ) XX/XX/XXXX - Another message to the influencer, with me saying that I would go to popular news channels on XXXX from our community to expose him for his scam ; XX/XX/XXXX - I message him saying that I fully intend to chargeback and that I am contacting media outlets ; XX/XX/XXXX - I get a friend to message him about him scamming me. My friend asked him why he scammed me, and asked for the money back. In response, the influencer simply said, " bro karma is a XXXX that's all I got ta say, '' which is basically him admitting to scamming me ; ( and refusing to return my money ) XX/XX/XXXX - Claim initiated with Bank of America . I  called them that day and explained everything that happened, and they assured that I would get my money back ; XXXX??, XXXX - My claim was DENIED by Bank of America for reasons unknown ; XX/XX/XXXX - I re-faxed my documents to BoFA in hopes of an appeal. 

Attached to this complaint is a PNG file and a PDF file. The PNG file contains a screenshot of my " Message Center '' in my BoFA online banking profile, where it shows that my claim was denied. The PDF attachment is an evidence file containing all the information about the dispute. The first page contains a text explanation of the situation, with the following pages containing screenshots of messages between me ( and my friend at one point ) with the influencer ( to show proof of the deal, as well as proof of him admitting to scamming me ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

So i went to buy a car i did money orders after i got there he didn't accept it and demanded cash or chime because i will have it right away, i first send him a XXXX dollar to test and went through... right after he took a second and say send it wich i did and started acting XXXX like he didn't receive it and i called the bank and told me that the account was recently created and wasn't the one i send the money .... i try many forma to make the bank pay me .... i did call them right away in the moment and they frozen the transaction and i believe that close the fake account but the did not release me the money is been 2 years now or more .... i try to report to them everything but was no success
Product: Debt collection

I received no notice from the collection agency that this account was in collection, right to dispute or verify account. This is just not right!
Product: Credit reporting or other personal consumer reports

I have requested on XXXX separate occasions to have a middle initial of XXXX XXXX  '' be removed from my credit report with the XXXX credit reporting agencies. This has been to no avail. I have been unable to log on to my XXXX account for XXXX months due to its technical issues. The middle initial of " XXXX  '' suddenly showed up on my credit report during the XXXX XXXX. My most recent attempt to resolve this most simple of issues was on XX/XX/2024 with Transunion. Transunion has still not rectified the problem. I have the latest Transunion file identification number available. Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered regarding inaccuracies in my credit report. Upon reviewing my credit reports, I discovered discrepancies related to late payments attributed to three creditors, despite my consistent and timely payment history. 

One such instance involves a loan ( Account Number : XXXX ) with XXXX XXXX  XXXX XXXX, where a late payment was reported in XX/XX/2023. However, it's imperative to note that I have never defaulted on payments for this account. Interestingly, this discrepancy appears on two of the credit bureaus while being correctly reported on the other. 

Furthermore, I recently noticed another discrepancy concerning an account with XXXX XXXX XXXX  ( Account XXXX : XXXX ). According to my credit report, a late payment was recorded for this account, which is entirely inaccurate. I have maintained a flawless payment record with XXXX XXXX XXXX, and no late payments have ever occurred. 

In an attempt to rectify these matters, I promptly initiated disputes with the credit bureaus by submitting written requests for investigation. Regrettably, despite complying with the proper procedures and adhering to the requisite timelines, there has been an alarming lack of response from the bureaus. Consequently, the erroneous information remains unaddressed, posing unwarranted consequences for my creditworthiness. 

Dispute from the consumer or reseller. They also violated these laws And according to 15 USC 1681i % theyare suppose to do this ( 50 Treatment of inaccurate or unverifiable information ( A ) in generallif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, am item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) prompltly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that informationthat the information has been modified or deleted from the file of the consumer. And according to 15USC 1681s-2 they are suppose to not furnish any information
Product: Consumer Loan

On XXXX XXXX, 2015, I purchased a XXXX Range Rover LR4, from XXXX XXXX XXXX XXXX for {$56000.00}, which is the fair market value for a similar car without any defects. The dealer is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The dealer assisted me with completing a financing application for a loan with JP Morgan Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. The financed amount is {$45000.00}. After I left the dealership, I was advised by my insurance company that my LR4 was a branded manufacturer 's buy back car, commonly known as a LEMON and worth substantially less than the amount owed on the loan with Chase. The fact that the car is a lemon was not disclosed to me by the dealer or Chase. Had I known the car was a lemon, I would have not bought the car. I later learned that the law requires that there has to be a consumer disclosure given to me before I agree to buy the car that declares the car is a branded lemon. When I asked for my paperwork from the dealer 's finance office, I was given a copy of my sales agreement and loan papers. I was also given a copy of a lemon law disclosure that had my FORGED signature. I later found the same disclosure form in the color designated for me, the buyer, in my car that was not completed or signed by me. The actual XXXX Application for Title form completed by the dealer, and signed by me, that was also sent to Chase, specifically omits that the LR4 was a manufacturer 's buy back car, ( lemon ). The box on that form that discloses the car is a lemon is not checked. I notified the dealer and Chase about the misrepresentation and fraud. Since I was ignored, I hired a lawyer to try and rescind the transaction or recover the difference in the value of a lemon law car and a normal car. The dealer denies any wrongdoing and Chase claims its paperwork is in order because it has the forged disclosure form in its records. I am still forced to pay Chase the full amount of the loan even though the car is worth at least {$20000.00} less than I owe.