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

THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.
Product: Money transfer, virtual currency, or money service

I own a credit card processing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I turn in accounts through priority payment systems and TSYS. I have not been paid my residual amount. The portal that I enter the information that shows my calculations have changed several several times To a smaller and smaller amount. I can not get a straight answer from anyone. I had some former employees that stole my identity and Are hacking into my clients information and I believe that is where my money is going to, but nobody seems to know. I have lost my office because of this, and I have not made any money all year. I need someone to investigate where my money is going, and why the numbers And calculations are always changing when it comes to my portfolio
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Experian continues to disregard any reinvestigation into this dispute they automatically send the same letter stating verified when clearly the third party is not verifying anything as they have nothing on their end. Thank you.
Product: Checking or savings account

The associated account with my partner dropped below the ( XXXX? ) balance on his account and as a result our joint account started getting monthly service fees ( $ XXXX ). This drained more than {$500.00} out of the account. But, they didn't send ANY email! I rarely use this account so I didn't notice. I went to close this account, but they refused to refund the monthly fee. XXXX
Product: Credit card or prepaid card

So I found out I have a Capital One account I did not apply for and they used my credit now my credit score is very low I will like to process with fraud
Product: Debt collection

the company violated the fair credit reporting act. the company is reporting 3years after the debt originated. this is an blatant attempt to disregard the FCRA and keep it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 report containing any of the following items 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.

These account should not be reporting on my Credit Consumer profile, Please have it removed.
Product: Credit card or prepaid card

Discover closed my account without notice. When I finally spoke to someone, I was told to send in verification from my bank and the consent form for the IRS. I sent the information to Discover four times. Discover kept saying they didn't receive my information. I provided everything that was needed. I spoke to several people. I have proof of submission every time I submitted these documents. This is not acceptable, and I would like something to be done about this situation. I've been paying my bill ; I'm not understanding why my credit card had been closed without notice.
Product: Debt collection

Debt collector has been calling from restricted number and will not provide information about who they are or why they are calling and become aggressive when I ask for that information. I traced the restricted call to a phone number associated with commenity bank who is attempting to collect payment from me
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. IS very AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I contacted capital one bank the original creditor on this account who stated 1099c was issued 5 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to porfolio on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I Sent A Certified Letter To The Credit Bureaus To Properly Validate An Account That Was Paid On Time ... The Credit bureaus Refuses to validate the account in has the account showing as a paid collection on my credit report which isn't true ... All Payments Were Made On Time ... I Been trying to fix this correction for sometimes in its really frustrating
Product: Debt collection

As of XXXX. 2020, I am being asked to pay {$100.00} for a debt that I was completely unaware of, by companies that I did not know existed. The collector is named as AMSHER COLLECTION SERV and the original creditor is named as XXXX XXXX XXXX. I do not know of either companies and I don't know why they're asking me for money. I tried to reach them over the phone and could not get an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such XXXX my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within XXXX business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Contacted by National Credit Adjusters , LLC and verbally told that XXXX XXXX was going to take me to court and sue. Did not tell me the amount, or provide paper verification of the amount of debt. 

I paid {$1500.00} and agreed to pay another {$1500.00} on XXXX XXXX. I have since called my bank to stop payment on the XXXX XXXX charge.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.
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 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 ( MONTHS REPORTING LATE ) 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. 


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 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

I requested that these inquiry be removed and deleted from my credit report because they are not my inquiry my account was in the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XX/XX/XXXX I notice there are a serval accounts reporting inaccurate information in violation of my consumer rights 15 USC 1681 ( e ) B. The following accounts and inquiries are reporting that I didn't not authorize or never did business with. The accounts are reporting different open dates, I am XXXX human I can not open the same exact accounts with matching account numbers on different dates. The following accounts are as followed : XXXX {$580.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  shows no balance but its reporting negative currently date reporting XX/XX/XXXX ablty recvry {$1400.00} date reporting XX/XX/XXXX and XX/XX/XXXX XXXX {$870.00} date reporting XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as of late for any purpose. So please remove any late payment that's reported on my credit report.

The only way a corporation can possibly report a payment as late under 15 U.S. Code 1666b - Timing of payments ( 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
Product: Checking or savings account

I was at work XX/XX/XXXXXX/XX/year> around XXXX when I received a text message from my bank for a fraud alert saying that somebody was trying to withdraw {$100.00} and asking if it was me. I replied No and received a message back saying that the charge would be blocked. It was not blocked and I've tried to appeal with my bank, providing text message evidence of the fraud alert and my time sheet from work which clearly shows I was at work at the time. My claim has been denied twice.
Product: Checking or savings account

This is the third time I have complained. In each instance, BoA sends me an email message with a phone number to call, but no one answers. 
They blocked my account earlier this year and refused to unblock it. I live overseas, in XXXX, and was advised to go to the XXXX XXXX XXXXXXXX XXXX  I traveled there ( a two-hour flight from XXXX city XXXX XXXX but was not even allowed to step into the office. 
I just want to withdraw the money and close the account. They keep saying that I have to go in person, but this is unfeasible. Its just over {$2000.00}, the trip would be more expensive than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the  XXXX   Credit Burrows 50 time s sending the m 3 forms of ID that No bank can Verify me and the Credit Burrow neve r  Respond    XXXX   XXXX   XXXX    Employee  intentionally Rob me  XXXX  dollars and i ca n't Get a New Bank Account in 3 years.   I have been denied  70 Bank Accounts in the la st 3 years.     I only have one ATM Card and better fly Two  XXXX  two Ask  XXXX  or Sue the Credit Burrow and   XXXX   XXXX   XXXX    Im Going two  Start Suing the Credit Burrow from a new Country Every 3 Months Nobody can sue the Credit Burrow From any Country the only thing People can do is Nothing.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX3 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 report 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A collections with Equifax from XXXX XXXX for XXXX XXXX has is reporting with a balance of XXXX. The account has been sold to a third party collection agency which means the debt to XXXX XXXX XXXX is no longer owed. Please remove the inaccurate account from y credit report. Also under i have never had a consumer relationship with XXXX XXXX. Equifax and XXXX XXXX are in violation of 15 USC 1681a ( 3 ) Restriction on sharing medical information AND 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( ( 1 ) OR ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by the statue, regulation, or order. 
UNDER 15 USC 1681i ( a ), you need to complete this reinvestigation within 30 days and you must delete the items from my credit file at once.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the Mastercard account to inquire about my AWARDS and the MASTERCARD operated under SYNCHRONY BANK transferred me to a PAY PAL ( PP ) representative. The PP representative asked for a password for my email. I did not realize that they ( PP ) had opened a second PP account under another email I use. I still have the old PP account, but I gave the wrong password so I asked the PP agent to close the email used for the account they were operating with the MASTERCARD and use the other email but they misconstrued this and closed the PP account linked to the Mastercard. SYNCHRONY bank now tells me that action automatically forfeited all my over {$500.00} in AWARD and now SYNCHRONY tells me sorry there is no recourse! The PP agent never warned me about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX Indiana filed an eviction against me on XX/XX/XXXX saying i was still living there even though i told them i was not but they said they would not consider me out of there until i return the keys that i had lost. On XX/XX/XXXX the case was dismissed without prejudice for the reason that all parties fail to appear. They ever filed a lawsuit against me, or a Judgement against me and they still illegally reported the eviction to the credit bureau and its been hard for me to get my own place ever since. I disputed the credit report i think this is my second time providing evidence that the case was dismissed in court and XXXX responded to them saying that the information on file was correct and that mine was not you can see the entire case here at XXXX XXXX XXXX XXXX XXXX from what i researched this is illegal as they did not file a lawsuit or a judgement against me that was approved i need help getting this off my credit and holding these guys accountable im XXXX and get SSI every month i cant afford an attorney let alone to pay off the debt that i supposedly owe even though i notified them that i was no longer living in the apartment and they continued to charge me rent and kept my deposit when there was absolutly no property damages done
Product: Checking or savings account

Banks accounts opened at XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX were opened or attempted to be open. TD bank was successful they added a account under my name. Transferred monies from my main bank account in a different location Fraud did not catch it in time. Also my mail was forwarded for 5 times now to another location unknown to me, and in turn many of my checks were returned to sender. <P/>I do n't have that info anymore as the account is closed tied to the frauded acount. I need help in finding who is doing this and why.Local Police were alerted and case numbers for both are : XXXX XXXX Contact XXXX NJ Police Department at XXXX for all paperwork. I will also forward anything i have. Posted on XXXX and XXXX today too.Targeting me because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not get you anywhere just fuel my case even more. United states Postal service you forwarded my mail 5 times now with held my mail and sent it back many times after i ask you for an exclusion which means unless i directly come in there with ID, social security and birth certificate and my signature you are not allowed to accept any forwarding of my mailing address to anywhere. You however vilolated my rights as a US citizen and not protecting us will be entered in a lawsuit. I hope you all see how well you think your protected but really not. I also hope none of you go through this. If I have to pay for a P.O. Box you will be forwarded your own bill. I am not going away and refuse to be treated in this way. I want all to see this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The company 's listed above, I noticed unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

Hi, i've been victim of theft identity. people applied for a loan in my name from these two companies below XXXX XXXXXXXX XXXX XXXX XXXX i had loan amount is ( XXXX $ ) on XXXXXXXX XXXX- i had loan amount is ( XXXX $ ) on XXXXXXXX XXXX- i had loan amount is ( XXXX $ ) on XXXX XXXX XXXX XXXX XXXX ; i had loan amounXXXX ( XXXX $ ) on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you