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

My account with BARCLAYS BANK/OLD NAVY was never late! I have had exceptional payment history with BARCLAYS BANK/OLD NAVY 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 to 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. 


BARCLAYS BANK/OLD NAVY 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

Total of 2 incorrect late payments appear on my credit report for the months of XXXX and XXXX. Ive disputed both with the company of COMENITYCB/XXXX
Product: Debt collection

on XXXX/XXXX/2015. XXXX was sent to delete collection. XXXX # XXXX. Collection was deleted as instructed but has reappered on my credit file today.
Product: Payday loan, title loan, personal loan, or advance loan

This account is invalid. USAA FEDERAL SAVINGS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

USAA FEDERAL SAVINGS XXXX
Product: Credit reporting or other personal consumer reports

FAMILY SUPP is on my records credit report and that is wrong
Product: Credit card or prepaid card

I received XXXX treatment at XXXX XXXX XXXX in XXXX in XX/XX/XXXX. At the time, I was offered a payment plan through XXXX XXXX. I was told that there was 0 % interest if you paid your balance off within 1 year, and all I had to do was set-up automatic payments to do this, which is what I did. 

I recently checked my account, expecting this to be paid in full. I saw that there were charges being added to my account monthly for " Card Security '' which I never knew about or was told about. This caused my automatic payment plan to not pay the balance in full, resulting in huge interest charges ( including one of over {$800.00}. ) They simply added the service when I signed up. A XXXX search shows this is a common occurrence, with many customers saying they had to call and XXXX XXXX   immediately removed the charges. I did so, and after a typically painful customer service call, they removed the Card Security charges, indicating they knew it's a poor practice and customers aren't aware of it. However, they did not refund me the interest charges caused by the Card Security charges. Now I have a balance of $ XXXX dollars, which is more than I even used the card for originally. I escalated the call to a manager, who was extremely rude and told me I should have checked their online portal and that I should have known the automatic payments weren't going to be enough. However, this is what I was told at the XXXX center where they offered this to me. Of course this aligns to what was discovered in the CFPB investigation in XX/XX/XXXX against CareCredit. https : XXXX This was a totally predatory creditor and now I'm stuck with a huge bill. STAY AWAY from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these accounts. 


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

I sent a letter to the credit bureaus ( XXXX, XXXX and Experian ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX appeared on my XXXX report without my knowledge. 

XXXX XXXX XXXX XXXX appeared on my XXXX report as a hard inquiry without my knowledge. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX appeared on my XXXX report without my knowledge. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) All these companies I have reached out to them in regards to removing the fraud inquiries and none of them have made an effort to do so. It is very tedious having to stay on the phone for hours trying to clear up these matters. 

In the month of XXXX, XXXX I was also a victim of theft of my laptop which had vital personal information that might also a play in the recent XXXX  in fraudulent activity. I have filed a police report to support my issues.
Product: Debt collection

I opened a XXXX XXXX  account in XXXX. This account was paid and terms met in XXXX. This company then sold my account to Credit Corp Solutions in attempt to get payment on a debt that was previously paid and closed. I am now being sued in XXXX for XXXX when my initial credit limit was XXXX. My credit report shows that this account is paid, closed, and in good standing. However I am being sued for money I dont owe. I have tried to speak with XXXX XXXX  to attempt to get my account statements. They are refusing my requests and refusing me access to this old account. Credit corp solutions has now sued me to attempt to collect a debt that was paid. They have not sent me any validation of debt or statements from synchrony with my purchases or signatures opening this account. They only have sent me statements of debt from XXXX which is completely absurd as this account was closed in XXXX of XXXX. This is wrong! I have sent credit corp solutions proof of my credit report of this account in good standing.
Product: Credit reporting or other personal consumer reports

I attended a event in XXXX and my purse was stolen that included my personal information. A police report was filed with the XXXX XXXX police department, and I was advised to continue to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge. I contacted the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to request verification of the accounts. I was also informed that my information was included in an XXXX XXXX. Furnishing information to my account with my written consent or knowledge is in violation of 15 USC 1681B. 

I have thoroughly researched, and these accounts being furnished to my profile are from someone using my information without my knowledge. Furnishing accounts due to identity theft further violates my consumer rights, specifically 15 USC 1681 c-2. 

I have affiliation with XXXX XXXX or XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX is alleging I owe them a debt I do not. XXXX XXXX XXXX was not an original party to the any agreement that required me to repay this debt. They did not receive any court orders that resulted in a judgement therefore I do not have to agree to pay this debt and selling this deceptive information to the credit bureau is a violation of my rights. The debt has been canceled and claimed as income per the IRS so this debt can not be collected or reported. 

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Debt collection

THIS DEBT WAS THE RESULT OF IDENTITY THEFT, I DISPUTED THE CHARGES. THE DEBT COLLECT IS USING FALSE AND THREATING TACTIC TO TRY AND COLLECT THIS DEBT. THE DEBT COLLECTOR NEVER VALIDATED ANY OF THIS DEBT WITH ME, THEY IMMEDIATELY REPORTED THE DEBT TO MY CREDIT REPORT.
Product: Vehicle loan or lease

I emailed the company concerning privacy policy on XX/XX/year>, XX/XX/year>, in addition to a certified letter, called multiple times, and a follow up by email on XX/XX/year> and received no response. It has also come to my knowledge that I have not receive no benefits from this transaction relating to the interest that is due to me. This application has been securitized and being traded and sold without my knowledge nor consent when I am a party to this transaction. I have not received my fair share or portion in this entire transaction to setoff the account. I have been paying with federal reserve nots via debt card when the financial institution has been selling and trading and not giving me my fair share or portion when they are supposed to fulfil their fiduciary duty. It appears that they have been double dipping and profiting and I have not received any benefits or interest from the this financial transaction when the loan has been placed into a trust and I am being financially harmed without receiving the benefits, shares, and/or interest due to me because I am party in this transaction and my social security has been used. The financial institution has yet to respond to my email and certified letter request concerning privacy policy with specifics.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

The ferderal student loans reporting on my credit reflect an incorrect date opened of XXXX. These loans were opened in XXXX  and were paid off and closed. Then somehow reopened in XXXX. I have tried resolving this with the department of education with no luck. These loans are being falsely reported on my credit report.
Product: Checking or savings account

Back on XX/XX/year> a transaction was made from a stolen phone in the amount of {$860.00} to an ex boyfriend. I explained that my phone was stolen and I had a new one ( in my possession and still use it for cash app to this day ) Cash app seems to think that because my new phone was in my possession, I made that particular transaction- I DID NOT NOR DID I AUTORIZE IT. while I have made other transactions with this person, those were authorized, the above transaction was not made by me!!

I have a police report stating that my home was robbed and the phone was taken which had all of my banking apps on it. 

I am asking that this get re looked at as it fell on deaf ears.
Product: Credit card or prepaid card

I have no knowledge of this account, and have never had a card with this amount of credit
Product: Credit reporting or other personal consumer reports

I've had XXXX card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/2023 I opted out of receiving XXXX 's solicitations. I was not informed by XXXX that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX 's XXXX XXXX program alerting me to a missed payment, that I was informed of a charge on my XXXX card totaling {$28.00} being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I paid my vehicle loan off with Hyundai Motor Finance USA in full. I was told that it would take 10 business days to audit the loan, close my loan, and release my title. On XX/XX/XXXX I called back to inquire about the status of my title release, but I was told that the loan was still showing active. The rep stated that she would escalate the issue and it would be an additional 10 business days before the title would be released. On XX/XX/XXXX I called again to inquire about the title release and was told that the account was still active. The rep stated that she would escalate the issue and the title would be released in 10 business days. I gave a little more time and called back on XX/XX/XXXX only to be told my loan is still active and has not been closed or sent for the title to be released. There is no phone number to reach the title department nor was I given an email address to get this resolved. At this point I feel like no one is processing my loan closure and they are not working to get my title released.
Product: Checking or savings account

On XX/XX/XXXX I initiated 2 bill payments to the following companies from my Wells Fargo account : XXXX XXXX in the amount of XXXX and XXXX XXXX for XXXX. Despite having more than enough money to cover these, I was informed by the companies that the payments were not honored. 

In checking my account on XX/XX/XXXX I became aware of a Wire Transfer Withdraw in the amount of XXXX to an unknown account at XXXX XXXX XXXX XXXX, reference number XXXX, which was initiated and cleared on the XXXX. I do not have nor do I know anybody with an account at XXXX XXXX XXXX XXXX. 

Coupled with fact that I had been locked out of my account previously and was not able to initiate any transactions, along with the payments I had scheduled on the XXXX not being honored ... .how can a wire transfer be initiated and paid from my account???
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues to report the following inquiries which is a result of identity theft and is not mine. I have not applied for them. 
Furthermore they also failed to respond and or provide me with documentation and proof that this is in fact mine. Which is impossible for them to provide but yet they ate still reporting it and it is highly damaging my report. 

The inquiries are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are not mine and was somebody that keeps messing with my credit. ( Also XXXX XXXX is a credit card that they did close the card also due to fraud ) but the inquiry is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account in full in XX/XX/XXXX and it is still not updated with a XXXX  balance and stated closed. I have disputed this account several times also since. No outcome
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times that these closed accounts to be removed asap.
Product: Checking or savings account

On XX/XX/year> an email from XXXX XXXX saying I had opened an account arrived in my XXXX account email. This was shortly followed by XXXX more emails saying that transfers were made ( from my XXXX XXXX XXXX account ) to individuals in Connecticut for {$560.00} and {$550.00} respectively. This account was fraudulently opened. I have never used XXXX XXXX nor have a reason to use their services. I find it hard to believe that a company can not spot fraudulent activity, especially after should have drawn many red flags inthe transfer alone. This is also in the light of recent court settlements aimed at this company. I am now out over {$1100.00} and the basic response I got from XXXX XXXX, was to go XXXX in my hat, I was not going to get my money back. I obviously did speak with XXXX XXXX shortly after the emails were sent but to no avail. The accounts were closed and I asked to put a complete block on my info as I will never be using them. Especially now after the pretty cold response to their XXXX XXXX. I am utterly astounded by XXXX XXXX lack of professionalism.
Product: Credit reporting or other personal consumer reports

In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonour ed FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as it is already corrected from the other bureaus. You have days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Ameris Bank of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Ameris Bank could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Ameris Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.