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

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. 
THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted  immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX  All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.
Product: Credit card or prepaid card

I have called 7 times or more re this issue. Complaint was supposed to be resolved on last call about 2 weeks ago. Re : returned item to store. I was given a gift card for the return, which I used a few weeks later. Also, a returned coat that XXXX had at their pickup location since XX/XX/2021. XXXX was supposed to return item to store. Nothing more I can do. This is wasting my time. I do not owe them any money. All interest charges were to be removed. None of this was my fault. Returns were completed within time allowed. I will not call them again. I will never do an online order with them again. Too many XXXX people workiing there ... Don't like to do business with companies that are inefficient AND dishonest with customers!!!
Product: Credit reporting or other personal consumer reports

i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and XXXX, and transunion still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both XXXX XXXX XXXXXXXX, as well as XXXX XXXX XXXXXXXX also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up complaint to the Experian and XXXX Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And they are are required to block and remove these specific inquiries not later than provided timeframe. Ive already included the identity theft report in my previous complaint & I am including it again here. Also, the data the Experian and XXXX provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XXXX  days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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: Debt collection

I terminated my lease with XXXX XXXX XXXX in XX/XX/XXXX. I gave notice of the termination in XX/XX/XXXX. I did everything I needed to do to terminate my lease. I gave a notice and signed a termination of lease document. I went to XXXX XXXX XXXX  on XX/XX/XXXX to get a copy of the termination of lease document, to send to the credit bureaus. However, I wasnt able to get a copy of the document because I was told by the regional manager that he couldnt find my file and I would have to wait till further notice. I have documents proving that I paid the final two months that I was at the XXXX XXXX XXXX  and the final statement for the light bill.
Product: Debt collection

The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of Birth:XXXX SS # XXXX XXXX To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law. 
There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date. 
Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

Please update the following account below : 1. Account Name : XXXX  XXXX. Account Number : XXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours,
Product: Checking or savings account

Today XX/XX/2019 Chase bank closed my account, when I called to figure out what was going on and why they closed my account they said they didn't have to give me a reason. I live 100 miles plus from a Chase bank all the money I have was in that account. I tried to talk to several people and they all said the same thing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquirie

s : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer rep
ort containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my score
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX 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 XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I paid off all my credit card debt. XXXX of those cards was a XXXX XXXX from Continental Finance / Celtic Bank. I accidentally double paid the balance of {$370.00} twice. Thats when the fun starts. Realizing my mistake months later, I called XXXXContinental Finance customer service and asked them to refund the overpayment. In broken English, I was told that they could not do that because they thought that I might be trying to scam them and that XXXX or both of the payments might bounce. Bear in mind that this is XXXX months since both payments were debited from my account. Frustrated, I asked to speak with a supervisor, I was told that one would call me shortly. I also instructed the agent to close my account. He told me that my account was closed. A few hours later, an English speaking agent working from home called me and assured me that I would received a check for both my over payment and half my annual fee in the mail. About XXXX days later, received a check for about {$20.00} ( half the annual fee ) and another check for {$370.00}. Thinking that the matter was resolved, I went on with my life. 

Fast forward to this morning XX/XX/XXXX, I woke up to an email thanking me for authorizing a payment to my XXXX XXXX for {$35.00}. Astonished, I called Continental/Celtic customer service again and spoke with XXXX who did not speak English as her first language and later declined to provide me any employee ID number or other identifying information. She told me that I had a balance of $ XXXX on my account. I said, how is this possible, explained that I overpaid my balance, got a refund for the overage and my account is closed. She informed me that it was not closed. And that my BOTH my payments, made in XX/XX/XXXX, were returned so that I was left with a balance. I tried to explain that that was incorrect, but she just put me on hold them disconnected the call. 

I discovered that my login credentials still work on the website. Continental debited my checking account for {$30.00} on XX/XX/XXXX and initiated another charge of {$35.00} for XX/XX/XXXX. They have also been charging me interest on this fictitious balance. I never authorized automatic debiting of my checking account and certain did not authorize them to reopen my account and start charging me interest on a fictitious balance. 

I need the FTC to please stop these fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didnt authorized. Some inquiries are duplicates too. These are damaging my credit report and I would like them removed.
Product: Credit card

I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Product: Payday loan, title loan, or personal loan

Atlantic Union Bank reneged on their commitment for a construction loan without notice. 

I meet with branch, had phone calls with XXXX  lending XXXX, and president 's office and sent letters to each - none of which resulted in any remediation. 

Dates and amounts are summarized in letters and the attached complaint. 

Thank you
Product: Prepaid card

I am writing to file a complaint regarding two American Express ( AmEx ) gift cards that I purchased, both of which have been rendered unusable despite being active and showing available balances.

Details of the Issue Gift Card 1 : Card Number : Ending XXXX XXXX Available Balance : {$700.00} Expiration Date : XXXX Balance Summary XXXX XXXX XXXX XXXX XXXX XXXXPending Transactions XXXX XXXXXXXXPurchases XXXX XXXXXXXXCredits XXXX XXXXXXXXAvailable Balance {$700.00} Transactions DATE/DESCRIPTIONAMOUNT XX/XX/scrub>XXXX XXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/year> XXXX XXXX XXXX Processed - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, - {$50.00} XX/XX/scrub>XXXX XXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} ========== Gift Card 2 : Card Number ending : XXXX XXXX Available Balance : {$750.00} Expiration Date : XXXX Unable to use this card anywhere.The card is getting declined.

Both cards are active, and I have confirmed their balances using the American Express gift card portal. Despite this, I have been unable to use them at multiple merchants. Each time I attempted to make a purchase, the transactions were declined without a clear explanation.

Attempts to Resolve the Issue I contacted American Express customer support to report the issue, but I was unable to receive any satisfactory resolution or explanation.

I have tried using the cards online and at physical retail locations, but the problem persists.

I have verified that the cards are not restricted and are valid for use in the United States, as stated in the terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 XXXX : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed One Main put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # -- -- --, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.