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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : NAVY FEDERAL CREDIT UNION Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX XXXX XXXX of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company 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
Product: Credit reporting or other personal consumer reports

I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in XXXX XXXX but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.
Product: Credit card or prepaid card

I keep receiving billing statements from Synchrony Bank for an Amazon Prime-branded credit card that I don't even have, never used, and do not want. The only reason I know the account number is that it is printed on these bogus statements. Synchrony and Amazon appear to be piling on late fees and interest charges for purchases I never made, on a card I've never seen, much less activated or used. On XX/XX/, I wrote to Synchrony instructing the bank to reverse all charges and close this account. Synchrony ignored my request, and continues to send me illegitimate billing statements. I need CFPB 's help getting Synchrony to clear my name of these purported charges and close this bogus card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is to express my dissatisfaction in regards of the ongoing negative accounts on my credit file. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment, I feel there are still accounts on my file that need to be corrected or removed. For that reason, I request that all of the attached inaccurate information listed in my credit file be corrected or removed immediately. 

XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open must be corrected. 

XXXX XXXX XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX  Balance : {$0.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. Please eliminate the item certainly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed bankruptcy... they still have it on. XXXX is incorrect and bankruptcy was dismissed in 2013. Is need to be removed... I can not get any credit with that on my report. 
Please insure they remove the inaccurate info. I would like to see the proof if the date and the disposition of the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank, now entered into credit reports as JPMCB, consistently adds hard inquiries to my report every year. I have 7 hard inquiries open at the moment. 3 of them are for Chase. I have never, ever applied for a Chase card. They say they can't do anything about preventing the hard inquiry, and that I have to dispute their mistake every time it happens. They don't ever actually offer the card, which is good, because they can't verify the info, but they still check the credit. Please, please help me make it stop. It shouldn't solely rest on me to fix this when it is a recurring error! This is my second CFPB complaint for this specific issue.
Product: Payday loan, title loan, personal loan, or advance loan

There is this self account ( installment loan ) reporting on all XXXX of the bureaus that I do not recognize and it has a late payment reporting to it that is greatly affecting my chance of approval and I need it removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX is billing department ) is falsely reporting this FL mortgage as foreclosed. FL is a judicial state. There is NOT a XXXX XXXX granting foreclosure because the account was cured. The deed is in our name and no deed-in-lieu was done. 

1. We purchased a timeshare with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX and were making timely payments up until XX/XX/XXXX. The Covid pandemic caused financial strain due to wife 's unemployment. The company was contacted. 
2. XXXX initiated Notice of Default ( approx. {$4100.00} XXXX through legal counsel in XX/XX/XXXX. 
3. We negotiated payments with XXXX to cure the entire default by XX/XX/XXXX. We did. 
Payment/dates and amounts as followed : XX/XX/XXXX {$1600.00}, XX/XX/XXXX {$360.00}, XX/XX/XXXX {$1200.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$260.00} : Other {$100.00} payment was applied to account 4. Timely payments in the amounts of {$180.00} for XX/XX/XXXX and XX/XX/XXXX. The deed is STILL in our name and we still own the property. 
5. Received letter from XXXX dated XX/XX/XXXX confirming the account was in good standing. 
6. Repeated calls and emails to this mortgage lender and their legal counsel have not been of any help. Please help us any way you can! Thanks in advance for your time and attention.
Product: Money transfer, virtual currency, or money service

PayPal close my account for no reason at all. I had done nothing wrong and had used their account as I was supposed to yet they suspended my account and put a hold on my money that is in the account for 180 days.
Product: Credit card or prepaid card

Okay, this is related to my previous complaint # XXXX. That issue was resolved favorably. However before I could even see a bill, they reported my account to the credit bureaus. I never signed up for paperless billing and never saw a bill. When they finally called me about the bill, I paid immediately including all fees and interest. They reported me to the bureaus on XXXX XXXX. They called XX/XX/XXXX and I paid over the phone. They put a report in on XX/XX/XXXX that my account was in good standing. Does not matter because my score went from the XXXX to XXXX and still is at XXXX. How dare they abuse the credit reporting system especially after illegally signing me up for paperless billing. Credit reports have huge implications for jobs, rentals, and all loans. I did not even get a paper bill till after they reported me, they gave me no chance to pay. How could they not think that paperless billing can get lost in spam or even not delivered. I want all negative reports from comenity deleted. Please help me fix this otherwise I will have to take them to court even if it is just small claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful billing practices under XXXX XXXX 's periodic statement generation policy. Per XXXX XXXX response on XXXX XX/XX/2021 to CFPB complaints { XXXX, XXXX and XXXX }, XXXX policy was to provide a minimum of twenty 20 days between statement generation date and statement due-date. Bill generation consistently under requirement of twenty-one ( 21 ) days as outlined in 12 CFR 1062.2 ( a ) ( 4 ). I have received disparate treatment under XXXX internal policy and have suffered harm under XXXX unlawful acts and practices.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report for correctness. I found an unidentifiable account from Bank of America with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you
Product: Credit reporting or other personal consumer reports

Old collection account keep resurfacing after being resolved was previously under XXXX XXXX XXXX  OLD company Balance {$1100.00} Account number XXXX Now XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit card

I 've been an American Express customer for over ten years and have never had a late payment. I always keep everything on autopay. In 2013, I switched from a Blue Cash card to a Blue Sky Preferred card at the urging of a telephone representative. The sales rep told me that my autopay for my old card would be carried over to the new card and I would n't need to take any further action. This turned out to be untrue. While I was out of the country, the autopay did not carry over, and my first payment on my new card triggered a late payment, charging me a fee and affecting my credit report. I 've tried to get them to correct the error a couple of times, and they did credit back the late penalty. What they failed to do, though, was " re-age '' the account so the late payment would n't hurt my credit score. I 've now just tried once again to resolve the issue with them, and they 're still not being helpful. They already admitted the error years ago when they credited me the late fee. The fee was negligible, though, as was the amount of the late payment -- the real issue was the impact on my credit score. I 've never had a late payment in my life. When I spoke with them today, the woman I talked to impugned my integrity instead of acknowledging their obvious error ( which they had acknowledged in the past ). The woman I spoke with was named XXXX, badge number XXXX.
Product: Credit card or prepaid card

XXXX ) Opened XXXX 's store credit card with Comenity in order to receive discount. Total purchase and total charge {$20.00}. 
XXXX ) Paid {$20.00} in full XX/XX/XXXX and it posted XX/XX/XXXX. 
XXXX ) XX/XX/XXXX Received confusing statement showing charge {$20.00}, payment {$20.00} and yet still had a balance {$20.00}. 
XXXX ) XX/XX/XXXX called about confusing statement received. Call reference # XXXX. Customer service person confirmed I had already paid in full on XX/XX/XXXX or XX/XX/XXXX and had a XXXX balance and no further payments were owed. 
XXXX ) Made no further purchases on account. 
XXXX ) XX/XX/XXXX Received another confusing statement showing a previous balance of {$20.00}. {$22.00} in fees charged and a {$42.00} balance. 
XXXX ) XX/XX/XXXX called customer service - call reference # XXXX. 
XXXX ) Customer service representative apologized for the " inconvenience '' of the errors on the account and for not being able to correct anything except for a {$2.00} minimum interest charge. 
XXXX ) XX/XX/XXXX customer service representative informed me that during the earlier call # XXXX, on XX/XX/XXXX, there was action taken by the Comenity rep : the rep credited a {$20.00} late fee ( this was not disclosed to me at the time ). 
XXXX ) XX/XX/XXXX call with rep also informed me the earlier XX/XX/XXXX call rep was aware of an additional late fee of {$20.00} and interest charged on my account that was posted XX/XX/XXXX, before I called to confirm on time payment had already taken place and I owed XXXX. The first Comenity rep did not mention this nor inform me. And simply told me I already paid on time, owed XXXX and owed nothing more, it was corrected. 
XXXX ) Rep explained she could not credit / correct the account to XXXX  because of their " XXXX credit per every 18 months rule ). She escalated the issue XXXX  with no resolve. The " team '' would not correct the issue. 
XXXX ) I explained I would be reporting the fraud/theft. 
XXXX ) I was forced to donate {$19.00} from my checking account on XXXX to attempt to stop this bank from stealing more money from me. 
XXXX ) Rep said my over-the-phone payment of {$19.00} would post within a XXXX hour window. She could not confirm if I would be charged any additional fees/interest within that XXXX hour window ( she may have said I would not be charge, but at this point I don't believe anything they say ). 
XXXX ) I am unaware if my credit score has been affected negatively or not from this encounter of fake and fraudulent fees and interest charges. 

Happy to provide additional information as needed. Expecting to get my money back. Realize I will NOT get my time/stress restored. 

Please take all necessary measures to ensure this does not happen to others. According to social media, this happens all the time to others now. 

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

Today XX/XX/XXXX I have been trying to talk TransUnion about my credit report but not help and take care of the negative inquiries reporting to my credit report. 
List negative inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have my loan with Mid-Island Corp. My loan is FIXED The property Taxes and insurance are paid with the mortgage. The bank has increased my payments because they were left with an outstanding account, and the state of NY is charging them over {$4000.00} fine, and they charge me this amount in my monthly payment. 
Now my payments grew up from {$2400.00} to {$2900.00} They are charging me the late fees that the state charged them. That is not fair, I never pay late. I need help in this matter, and I want to know if you can help me.
Product: Debt collection

My brother XXXX XXXX called me stating a male debt collector called trying to verify my information over the phone. My brother told him he had the wrong number, that they were trying to reach me, his sister XXXX XXXX, not his wife, who is also named XXXX XXXX. The debt collector then proceeded to report my specific account information to my brother XXXX credit card name, amount in collections, etc. ) and gave him the return number and extension to contact.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of an account you have reported on my credit file. Under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report as you have failed to provide sufficient validation of its legitimacy.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), if you can not verify this debt with appropriate documentation, you are legally required to notify me that the debt can not be substantiated and must be removed from my credit file.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any unverifiable or inaccurate information must be permanently deleted and can not be reinserted into my credit report unless new certification is provided. If this account remains on my report without proper validation, it constitutes a violation of the FCRA, and I will pursue further action to enforce my rights. 

I request written confirmation that this account has been removed from all three major credit bureaus ( Experian, XXXX, and XXXX ) within 30 days of your receipt of this letter. 

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, I will consider legal action for violations of the FCRA should you continue to report unverifiable debt. 

Please respond in writing to confirm removal.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 we submitted a complaint on stated company complaint # XXXX. Stating company Americollect , Inc. Was using XXXX of law to publicize and furnish inaccurate and private information while violating numerous consumer laws and, breach of privacy. Which acts has resulted in fraud and identity theft as described in 15 usc 1681 ( a ) q. Using extortionate means to collect on debts not owed which is a crime. The attached statements and affidavits submitted in previous complaints clearly show Americollect inc. Committing these crimes. As in their respose in complaint # XXXX they have falsely given a statement under penalty of perjury. In the attachment. We demanded stated company to cease communication and not contact us regarding any more debts and they continued to do so creating a false belief that we owed them anything. Which will be added in the attachement section of this complaint. We also stated company to pay invoice after failing to provide us with documentation showing they acted with lawful authority when it obtained and shared my information to consuner reporting agencies and in their cfpb response they still failed to do so. In their cfpb response they stated after investigating and attempting to contact the alleged client ( assuming this is the alleged creditor ) and that they coded the claim as fraud in their system. However the proper investigation was not done. We will be submitting the identity theft report in this attachment as well. Please refer to previous report # XXXX for the attachments showijg they have collected money and created a false belief while using extortionate means to collect debts not owed. these documents again along with supporting documents showing they have continously lied and avoided addressing the matter.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and consideration.
Product: Credit reporting or other personal consumer reports

I DO NOT Recognize this debt or account on my credit report