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

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called WELLS FARGO regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to XXXX so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the WELL 'S FARGO account would be getting removed but the account is still showing on my XXXX  report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

To whom it may concern : I contacted Barclays Bank Delaware ( 'Barclays XXXX regarding a fraudulent file that was listed on my credit report for over 9 years now. 

I received a letter from a Representative named XXXX, thats the account was never settled, that it was sent to a collection company named XXXX XXXX XXXX. LLC. 


The investigation she completed was some what incorrect. 

Additionally, Barclays Bank Delaware changed the reporting codes from closed to charged off on my credit file and damaged it more within the past 3 days. I dont understand why a simple request, turned into more effects to damage my credit report Attached you will find a company response from XXXX XXXX XXXX XXXX XXXX ( CFPB report XXXX ) As mentioned, I had to settle this account for less than the amount because I was facing losing my government employment due to this fraudulent account. 

When I was made aware of this fraudulent account, I took all of the necessary action to protect myself and your company did nothing to assist me the victim! 

Attached is FTC fraud report XXXX filed XX/XX/XXXX FTC report XXXX filed in XX/XX/XXXX. Additionally, Ive place 7 years fraud alerts on my credit report because of your inability to verify and screen applicants correctly. 

Furthermore, XXXX XXXX XXXX did settle the account, and agreed to remove the fraudulent account from my credit report. Which ultimately means that Barclays Bank Delaware still wrote this off as bad debt. Meaning, Im still owed documentation to report it the IRS from Barclays Bank Delaware. 



I kindly request the removal of the 9 year account based on the above mentioned facts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Checking or savings account

On XX/XX/2024 i deposited a third part check into my chase checking account for a friend of mine in XXXX They were her payroll checks that i had to go to the XXXX  and have her sign to be deposited. Chase accepted the checks then minutes later i recieved a notification to call the bank. When i called they told me that the checks were fraudulent checks and that they were closing all XXXX  of my accounts due to these checks being fraud. Which i knew they were not fraudulent checks. I was told that they restricted my account until the checks could be verified as authentic.. on XX/XX/XXXX the checks cleared and money was in my account but chase locked my account so i couldnt get the money or use my account. When i called the woman told me that i should t have deposited the checks and that the only way i can keep my account is to contact the check issuer and ask them to place a stop payment on the checks. This way the funds can be returned and ill ve avle to keep my account. This is absolutely ridiculous. I have waited almost two weeks and they closed my other XXXX accounts and leaving this one opened. Then they tell me to have stop payment on check which really makes it look like fraud. The representatives have all told me different things that make no sense. The last one i spoke to from chase was so rude and condescending i just gave up. So my account has XXXX balance and they refuse to turn my card or account back on from being restricted. How can a bank hold money hostage in my account. If there was a problem with the checks why did they process them. They restricted my account XXXX XXXX after deposit was accepted therefore they knew they had a problem but still deposited them or submitted them for payment and put money in account but restricted my access to bank. I have never experienced such banking practices in my life. The checks were not fraud the bank told me they were not fraud and in the mean time this money is in my account since XX/XX/XXXX and the bank ensured i have no access to it. So why did they cash it? If the check was flagged as fraud why did the bank submit for payment let alone accept the deposit. Now there is basically nothing i can do and the bank is strong arming me vlosing my accounts and not giving me money.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within four business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity, including filing a report with the Federal Trade Commission ( FTC ) and notifying the credit reporting agencies.

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law designed to protect consumers from abusive debt collection practices. One of the key provisions of the FDCPA is the right of consumers to request validation of a debt. This means that when a consumer disputes a debt, the debt collector is required to provide verification of the debt, typically in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX, account # 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been challenging this bankruptcy for a very long time with Experian and XXXX XXXX. 
XXXX removed it but XXXX XXXX and Experian keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen
Product: Credit reporting or other personal consumer reports

XXXX is reporting my personal information with out my permission per 18 USC 894. XXXX is reporting XXXX XXXX and inaccurate information about XXXX XXXX, this is a violation of 15 USC 1681. XXXX is also violating 15 USC 6801.
Product: Student loan

In XX/XX/XXXX I graduated a full-time graduate program and my student loan servicer at the time, Navient, did not honor the 6 month forbearance/grace period I was entitled to receive on my Direct and PLUS loans. As a result, I was forced to make payments in excess of {$500.00} that I could not afford at the time, or else risk being in past due status with the possibility of reporting this to credit bureaus. At the time, I was working in public service and despite providing information regarding my employment with a state agency, Navient did not apply the payments they coerced me to make towards the number of payments made under PSLF. I still have email confirmation of at least some the payments made to Navient during that time. My loans were ultimately transferred in early XXXX, and I no longer had access to my payment history and communications.
Product: Debt collection

GLA COLLECTIONS # XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX XXXX XX/XX/14 I had free insurance plus I contact my ins people to pay this bill and they said they would I was at my sister house staying when I went to this medical dr so they been paid {$590.00} To a Dr XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I 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. I have contacted the FTC and local police.
Product: Checking or savings account

On XX/XX/XXXX my account was closed and {$11000.00} was debited from the account after 3 years going back and forth. The bank claims they sent the money to someone else. They have not provided proof of whom they sent the money to. This has been going on since XX/XX/XXXX. I filed a complaint then and nothing happened. I filed another complaint on XX/XX/XXXX thats when the bank decided they had made their interest and fees They finally gave me access to the account and lifted the freeze after 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft for the last two years I have reached out to Trans Union multiple times to try to clear up fraudulent information on my credit report and they will not assist me with any help I have disputed information and they have yet to remove fraudulently information off my report
Product: Debt collection

I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

High Performance Capital # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX I looked over my credit report and I see accounts that dont belong to me and I believe them to fraudulent XXXX XXXX  account number XXXX XXXX XXXX XXXX  XXXX I also notice these names our not mine XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX these addresses are not mine either 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 I have one address and these are not it. Also these numbers are not mine either XXXX, XXXX these are not my numbers I have one number
Product: Credit card or prepaid card

On XXXX XXXX I attempted to purchase a XXXX XXXX and XXXX XXXX at XXXX XXXX, they didn't have them in the store. I never left XXXX store with merchandise. I decided I didn't want it delivered because Best Buy had lost my Brothers Printer and destroyed my XXXX XXXX during XXXX deliveries. I decided I will pick them up from the store if available. Due to catching XXXX I wasn't able to pick the order up because of being quarantine. I've reached out to XXXX XXXX numerous times to say I wasn't feeling well and they said they will credit my account. After noticing being charged but not creditied on the statement. I spoke with XXXX at Citibank to file a dispute in XX/XX/XXXX on my bill. Citibank refused to take a charge dispute complaint and said I had to go to the store because it takes too long to dispute a charge. XXXX the manager gave me a copy of my orders and said I wasn't being charged on my credit card. I followed up with Citibank and XXXX said the dispute was resolved XXXX. I asked her did she need copies of XXXX final receipts, she said no. I asked to close the account. In XX/XX/XXXX, instead of getting a {$0.00} balance Citibank refused to resolve the issue, they mislead me to believe they resolved the matter and I'm still fighting late fee, interest charges to merchandise I don't have, harassment XXXX and Citibank has destroyed my credit. Citibank called themselves doing a dispute investigation in XX/XX/XXXX but it's no signature of me authorizing the charges. Citibank destroyed my daughters credit too by putting erroneous charges that belonged to my dispute on her credit report. I've asked Citibank to close ALL the accounts I have with them including XXXX because they make too many errors and do not protect the creditor. I have copies of all the information concerning this complaint. I want Citi to repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. 

Beginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. 

XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXXXXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is XXXX XXXX XXXX. 

There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no. 

once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt. 

I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file. 

thanks