23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a prepaid debit card with Netspend, XXXX XXXX of 2019 i purchased a sofa online from XXXX. The sofa was damage, i contacted XXXX, They gave me back a {$250.00} dollar credit on my Netspend card. Netspend has refuse to give me access to my card and closed my account. I have called them numerous times for help with my problem.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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  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

My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint involves a Bank known as XXXX XXXX. They were the original servicer of the account for my BJ 's Perks card. I noticed 3 fraudulent charges on my statement of XX/XX/XXXX. These were purchases on my account I did not make. I made XXXX XXXX  aware of this and filed a fraud complaint with them. At this point I was not aware they were in the process of being bought out by Capital ONE. They clamed they would investigate. I continiued to make on time payments for ALL legitimate charges to my account with XXXX. XXXX, after a period, I received a letter from XXXX XX/XX/XXXX that read " we can find no basis to support your claim ''. Now I start to see late fees and interest charges based on the fraudulent charges they don't recognize. They continue to assess those fees despite my asking for a full disclosure of there findings. On the statement for XXXX of XXXX I noticed 2 more fraud charges and made XXXX XXXX  aware of these additional charges. They did not respond. Instead I continued to be charged late and interest fees, this despite my paying legitimate charges ahead of time. Then their next statement indicated I owed over {$600.00} dollars. This figure did not even make sense since upon I tallying all their late fees and interest charges it was {$370.00}. In the mean time I was sent a new credit card from them on XX/XX/XXXX. I thought they are finally admitting that all those charges I complained about were indeed fraudulent Yet, they continued to assess late fees and interest fees. On XX/XX/XXXX I received a new Credit card with a New LOGO from Capital One with a letter bringing me up to speed as to there takeover of he BJ 's account. They proceeded to continue assessing fees. It was as though they were not aware of my dispute with XXXX. I sent them notice that I would not pay any of their billing and Not activate their new card or make any new transaction with BJs  or any other retailer until such time my dispute was resolved to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account. 

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate
Product: Money transfer, virtual currency, or money service

I'm trying to link my pnc account to my XXXX XXXX account
Product: Money transfer, virtual currency, or money service

I received {$100.00} from my father on venmo, I tried to withdraw it to my debit card and it would not let me, I then tried to send the money back to my dad because I couldn't withdraw it and my account froze and now the money is stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

have an account included in my chapter XXXX petetion filed XX/XX/2019. 
all other accounts reflect this however i have disputed this and not getting the correct results.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized. 

1- XXXX XXXX XX/XX/XXXX 2 - 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 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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

Pursuant Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt. 

Portfolio Recovery Associates is reporting fraudulent information on my report and needs to be deleted immediately. On my credit reports ( XXXX, XXXX, & XXXX ) they are stating that I have an account with them and the first XXXX digits of the account number is XXXX opened in XX/XX/XXXX with a " past due '' balance of {$610.00}. 

I want to clarify that I have NEVER entered into an agreement or signed any contracts agreeing to pay anything to Portfolio Recovery Associates. That is fraudulent reporting on my credit reports and a violation of. Also, no collection can be deemed past due without a legitimate agreement. With that being said, I am demanding an immediate deletion of this collection account within XXXX days from all credit reporting agencies and assurance that this information will not be sold or transferred to any other company regarding this fraudulent collection account. 

I am demanding this company to cease and desist all activities pertaining to alleged collection account. I have also submitted this request via email to XXXX on XX/XX/XXXX. 

If any agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX State Attorney Generals Office and the Federal Trade Commission.
Product: Debt collection

I became aware of the matter when I was notified of a change in my credit report. To my knowledge, I have never been contacted or billed by the company alleging that it provided me with services nor the debt collector and I do not live in the county where the company appears to operate ( XXXX ). My credit has been impacted by an alleged debt that I know nothing about. If this is a legitimate debt and had I been contacted or billed, I would have paid the amount in full promptly. A company should not be permitted to pursue collections without billing the customer or contacting the customer about the bill. Information online regarding the company suggests that others have been billed or taken to collections for services they never asked for or received.
Product: Credit reporting or other personal consumer reports

I am writing to DEMAND removal of 1.DEPTED/XXXX  2XXXX XXXX 3.XXXX  XXXX 4.XXXX from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy.

I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, XXXX, EQUIFAX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Product: Vehicle loan or lease

For some reason today I received a debt collection call from Santander Consumer USA. This was an automatic robo call. Santander, has no reason to be contacting me. Currently, I don't have an account balance with them, and I'm not in collections. Back in 2018, I filed a case against them in XXXX. That account was closed and settled. i have attached the file. After that account was closed, there is no reason for Santander to have my contact number ( XXXX ) XXXX on their records to contact me. First of all, that is a business line, and again I have no outstanding accounts with them. I called the number back and selected the option for them to remove from their system. I don't have any accounts with anyone in collections. So, this company should not be contacting me, and they should not be attempting to collect anything from me, on a closed matter which that was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$630.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$3700.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Dispute Resolution Team, I am writing to formally dispute the accuracy of credit report information regarding the account with XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, I request a thorough investigation into the disputed entries listed on my credit report. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$22000.00} Status : Charged off with {$4400.00} past due as of XX/XX/year> Disputed Entries and FCRA Compliance : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agencies promptly investigate disputed information from consumers and correct or delete any inaccurate, incomplete, or unverifiable information.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide accurate and complete information to the credit reporting agencies.

Detailed Requests for Compliance : Investigation Method : Please describe the procedures used in your investigation, consistent with FCRA requirements. 
Documentation and Evidence : I request copies of all documents, records, and other evidence sourced from the furnisher during your investigation. 
Contact Information : Please provide contact details for the furnishers involved, allowing me to verify the information independently. 
Results of the Investigation : A detailed report of the investigation 's findings is requested, along with an explanation of the determination. 
Updated Credit Report : Should changes occur based on the investigation findings, a free copy of my updated credit report is requested post-correction.

Compliance Assurance : Confirm that all investigation procedures adhere strictly to the stipulated FCRA guidelines. 
Written Confirmation : Documentation of each phase of the investigation, including initiation, intermediary communications, and conclusion dates, is requested. 
Attached are relevant documents supporting my dispute. This matter requires urgent attention, and I expect a resolution within the 30-day timeframe specified by the FCRA. 

Thank you for your prompt attention to this important issue. I look forward to your detailed response and a resolution that accurately reflects my credit history. 

Sincerely, XXXX XXXX
Product: Debt collection

d & a services are trying to collect amount that is in ch XXXX XXXX original credit lowes this is 4 time differ collection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A XXXX FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 


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

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act 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

I visited the Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on Thursday XX/XX/XXXX around XXXX. I chose this branch because of its proximity to my home, needing to cash a check from my Merrill Lynch retirement account, which is also affiliated with Bank of America. Initially, I felt judged upon presenting the check as a XXXXXXXX XXXX Despite informing the teller that I wasn't a customer but had previously cashed checks there, she hesitated for six minutes before calling XXXX XXXX for assistance. 

XXXX reviewed the check and remarked that she needed to verify something. After scrutinizing the computer, she informed me that she couldn't cash the Bank of America check due to an inability to " verify '' it, advising me to deposit it at my own bank instead. When I inquired further, she declined to disclose specifics, asserting that contacting Merrill Lynch or my bank wasn't necessary. Interestingly, other XXXX XXXX were served promptly, though I can't confirm if they were Bank of America customers. 

Later, I visited the XXXX XXXX XXXX branch without incident, where the check was swiftly verified, underscoring my belief that discriminatory practices were at play at the initial branch. XXXX XXXX 's handling of the situation suggests a need for retraining to prevent potential issues for the company.
Product: Checking or savings account

Money was stolen out of my account and transferred to an account that was opened fraudulently and they filed disputes ND said I would have my money on XX/XX/ then turned around and denied my disputes on XXXX XXXX XXXX  and now they just keep saying they are sending it to their higher ip department ove already submitted the police report and the XXXX paper and still haven't heard from them and they closed my account on XXXX XXXX XXXX XXXX
Product: Checking or savings account

I spoke with XXXX ( BB & T corporate investigations ) on XX/XX/XXXX concerning a {$1000.00} wire transfer that came into my account. I now have realized I will suffer financial loss if this wire is reversed. This was fraud outside of my control and I do not give permission for BB & T to debit {$1000.00} from my account and wish to have my remaining funds in all accounts sent to me certified check. 

I have also consulted with my Lawyer concerning this matter and they will get involved if needed pending the outcome. 

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

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items immediately : 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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I inspired multiple accounts that were not accurate and nothing has been resolved.
Product: Credit card or prepaid card

I reported my First progress credit card lost and requested a new one sent to me. The company closed my account without my knowledge, my credit score dropped, and its being reported on XXXX and XXXX as a closed account. My aged credit history has been effected and the company refuses to do anything about it. I do not have a new card and because its a secured credit card, they have not returned the money I used to open the account.