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

I have contacted Bethpage Federal Credit Union on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. XXXX has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but XXXX says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but XXXX is advising that the account is valid. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 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, 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. 
I NEVER gave You, TRANSUNION OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.
Product: Checking or savings account

I had an offer presented to me while reviewing my existing Chase Credit Card account for a new checking account with a bonus if conditions were met of " an Employer direct deposit within 90 days of account opening ''. ( Attached screenshots of the offer and the online presentation ). 
They said they would pay the {$300.00} within 15days of the condition being met, which would have been the XXXX ( XXXX XXXX ) or XXXX ( XXXX business day after XXXX day ). I contacted them on XXXX  and they said my coupon code wasn't applied when I opened the account. 1 of the screenshot provided said " Coupon code applied when you choose " open an account '' '' ( screenshot provided ). 
I met the condition of not being a current customer and not having an account closed in XXXX with a negative balance. ( terms provided in screenshot ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XX/XX/XXXXopened : XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX opened : XX/XX/XXXXXX/XX/XXXXXXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/XXXX
Product: Credit reporting 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 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
Product: Credit card or prepaid card

My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX medication.
Product: Consumer Loan

I have been paying XXXX on Friday every 2 weeks since I received the card late last year. On months where there are 3 pay periods, Synchrony is misappropriating the payment by posting the extra payment to the previous month and charging a late fee for the current month because the next payment would fall a few days past the billing date. This is an obvious aggressive tactic to collect extra fees. 

I spoke with them and requested that they remove the late fees and post the payments correctly. They said that they would not and even if they could they would n't because the fees were for prior months. I just received the latest fee notice. Please find the statement printout ( excel format ) from XXXX and a copy of all the payments I have made from my bank attached.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute Auto Club Trust, FSB ( ACT ) continued reporting of a charge-off on my credit report. This is more than a simple reporting issueit reflects a disturbing pattern of double-dipping and potential fraud designed to manipulate both consumer reporting agencies and the U.S. tax system. 

ACT has classified this alleged debt as a charge-off, which should signify its closure and removal from my credit report. Yet, they persist in reporting the account, benefiting from it in multiple ways. It is clear they are attempting to exploit the system by claiming the charge-off as a tax deduction, while simultaneously inflicting harm on my credit profile. This contradiction not only raises ethical concerns but also puts them in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates accurate reporting.

Let me also make this abundantly clear : I have a legal right to privacy under these laws. ACT 's failure to verify and remove this alleged debt is a violation of my consumer rights, and I am entitled to {$1000.00} per violation under the FCRA. These violations continue to accumulate each day this illegitimate charge-off remains on my credit report. 

ACTs actions represent a deliberate attempt to double-dip by simultaneously taking advantage of the tax benefits from a bad debt deduction under 26 U.S. Code 166 ( Bad debts ) while profiting off the damage caused to my credit. This kind of conduct could very well constitute tax fraud, and I fully intend to bring this matter to the attention of the IRS if it is not resolved immediately. 

I demand the following : Full documentation of the procedures ACT has followed in verifying this alleged debt and their basis for continuing to report it as a charge-off. This includes every step of their process, the employees involved, the internal communications, and the exact e-signature procedures used to verify this account. I want to know who signed off on this, down to the managers managers, their lunch breaks, and the step-by-step actions taken to ensure accuracy. 

Proof that ACT has not claimed this debt as a tax write-off while continuing to report it to the credit bureaus. If ACT is attempting to benefit both waysby claiming the account as a loss while still using it to harm my creditthis is a clear case of tax evasion, and I will report it to the IRS for further investigation.

Immediate removal of this charge-off from all credit reporting agencies. The continued reporting of this account as a charge-off, while ACT derives other benefits from it, is a blatant violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). If not removed promptly, I will pursue further legal action under the FCRA, FDCPA, and any applicable state laws.
Product: Debt collection

Ref. : XXXX XXXX - Accounts # ( XXXX ) XXXX, ( XXXX ) XXXX and Temporary number ( XXXX ) XXXX ( NONE of those accounts were used at any time, Equipment were never installed and NO charges were never incurred )! Accounting Error, since the Company bills 30 days in advance! 

Credit Control Corporation the direct employee of XXXX XXXX, and its Agents/ Collectors, harassed, intimidate, and threatened to Harm our excellent Credit Ratings. 

Credit Control Corporation and its Agents/ Collectors, failed and continue to fail in producing any documents to validate the alleged debt, even with our repeated demands!

Credit Control Corporation and its Agents/ Collectors, contacted us repeatedly at different hours in violation of FDCPA , with their false and misleading arguments seeking to collect more the alleged debt of {$55.00}! 

Credit Control Corporation, XXXX. XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove fraudulent accounts from my credit report. Below is the following complaint was submitted to them : I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already most of these fraudulent accounts and have emoved these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Bank account or service

I opened checking account with PNC financial in 2007, which was free checking with no minimum balance requirements. I donot keep too much money in this account. every year or so, PNC bank keep changing the terms on the account, I find out about when my balance is decreasing because PNC keep charging {$7.00} fee. Sometimes PNC credits those fees automatically but now My wife went to the branch and was misinformed that this virtualwallet account will solve her problem of having to pay fee because of low balance and was changed into virtual wallet account which has excessive fees and now I am told that if i close in 60 days, there will be fee charged. I have lost money by keeping in the PNC checking account and PNC bank does not want to return my account balance to amount before PNC started charging fees. 
I have called and filed complains with PNC and everytime I inquire, i m given complain # but nothing gets done in fee escalation department. I am given some claim numbers like XXXX and XXXX. When I called this fee escalation department, after talking to XXXX and XXXX XXXX ( supervisor ), It sounded like that PNC does not take these fee complaints serious and donot want to resolve consumer complains by saying Pnc bank is entitled to charge these fee and account balance is not under FDIC protection when fees are charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX should not be on my credit report I have a right to have it removed especially when completed. I dont understand how credit bureaus have that much power/control of my information My record under my name XXXX cant do right when other parties dont follow proper procedures. 
What happen to our rights!?
Product: Debt collection

Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX. 
The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address. 
I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again. 
The representative said they would only remove the name. 
Then, I hung up. 
I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it. 
They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX
Product: Debt collection

I had phone numbers come in through a private phone number. When I picked up, XXXX from Midland Credit Management identified herself. I do not appreciate numbers coming in blocked or from a private number. This is deceptive, and a bad business practice that is unethical. I included a screenshot of the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and updated 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: Mortgage

Back in XXXX I started the home mortgage application with Navy Federal after going under contract with the sell of my prior home that was also financed with Navy Federal. My home sale date was quickly approaching so I got a preapproval and submitted all my documents over to the credit union right away. After multiple follow up on my part and my agent I was told that if any issues arise before my XX/XX/XXXX closing date I would be contact well in advance. On closing day the everybody is prepared to close we are just waiting on closing instructions. That same representative who told me she would contact me if any issues arise would be the reason Im still without a home while she refused to admit her failure to provide a service for the customer. Here I was on closing day being told she not sure what happen. The rep had not referred my file over to processing so here I am without a home for the foreseeable future. Upset I took to social media to voice my displeasure which caused the rep to stop caring about the file all together. I was under the impression that I had been paired with a bad rep but the longer I continue in this process. I find Navy federal lack leadership. After multiple request from that reps supervisor I never received a call or email. I have sent emails to Navy Federal CEO XXXX XXXX with no response from her office either. I am in danger of losing the home which I did everything to secure because of navy federal negligence. I was forced to come out of pocket for a place and me and my belongings and when everybody at navy federal goes home after a long day I am still being forced to figure it out because of the negligence on Navy Federals part. It is a crime that this are the people who protect service members finances and secure home loan. How can a company provide sure poor quality service to the very people that protect them. I am still without a home I have to complain on social media to get a call with updates I have never had such bad service in my life.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX AND DEPT OF EDUCATION/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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND 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 AND DEPT OF EDUCATION/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 or other personal consumer reports

My personal information was exposed in a data breach. These accounts on my Equifax report do not belong to me. 

XXXX XXXX- bal {$130.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX- bal {$180.00}
Product: Credit card

I noticed my credit card balance kept going up even when I wasnt using it and its because I have been getting charged a fee from " XXXX XXXX '' on Macys Credit card in which I never approved. I called " XXXX XXXX '' this morning, XX/XX/24, and was able to cancel it but I want to be refunded for the thousands of dollars they have charged my account without my knowledge. I was told they have to review my charges and see if I was eligible for a refund. When I asked what the eligibility requirements were to get approved, XXXX from XXXX XXXX was unable to give me an answer and told me someone would call me back in 5-7 business days to give me that answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Debt collection

My identity was stolen, i called and told the XXXX XXXX and I was told to contact the original creditor, someone had purchased internet through my name and information to a completely different address no where near me and the debt not paid went to my account which is wrong, that is not my debt I didnt purchase any cable provider/internet I want it removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

.I have a a unverified account from NATIONAL SERVICE BUREAU , INC . I had previously disputed this account. I have never done business with NATIONAL SERVICE BUREAU , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that NATIONAL SERVICE BUREAU , INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SERVICE BUREAU , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.