23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX received phone call from XXXX, XXXX, XXXX, what ever from Portfolio Recovery XXXX opened XXXX to collect debt not owed through XXXX Bank for XXXX. 

We asked if they had a validation number and she did n't and we told them to stop calling and that we would report them to FTC, US Government and other XXXX agencies. 

This is an additional note to all the other complaints filed with CFPB.
Product: Credit card

On XX/XX/year>, I redeemed XXXX fun points on XXXX account for a {$100.00} XXXX I received the card but it is invalid and will not activate. I have made many attempts to activate it including calling the number on the card and going to the website. I was unable to use the card when I wanted to because of all these issues. In addition I spoke with a XXXX representative who did not help me activate the card. I opened a case XXXX with my creditcard company XXXX who redeemed my points and issued this card. Then on XX/XX/XXXX, they closed the case after 7 days without doing anything to solve or notifying me in the message system or email. There were numerous false statements made that I can prove are false regarding that case. I reopened another case XXXX on XX/XX/XXXX and gave them ALL the information they asked for. On XX/XX/XXXX I asked again for status on XXXX and I was met with a response asking AGAIN for information that was already sent and is clearly visible on the same message thread. I insisted they they either make the sent to me card good or refund my points. To date as of XX/XX/XXXX this is unresolved. I went to public site where to look up BarclaycardUS complaints there and there are many various complaints. after reading many of the complaints It looks to me that their systems and policies are designed to cheat people out of their rewards and then make it very difficult for them to do any remediation. There needs to be anti fraud enforcement for this kind of thing and I would like to volunteer my time going forward to assist in any actions taken. i will also be posting a complaint on the FTC site tomorrow and mainstream media outlets the next day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Experian Subject : Formal Dispute of Bankruptcy Reported on Credit File Dear Experian Dispute Resolution Department, I am writing to formally dispute the bankruptcy listed on my credit file as it appears to be erroneous and unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I demand immediate action to address this issue. 

Applicable Laws Supporting This Dispute : 1. 15 U.S.C. 1681c-2 : This section requires prompt removal of fraudulent information once identified.

2. 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) : Mandates the credit reporting agency to forward relevant dispute information to the furnisher.

3. 15 U.S.C. 1681q : Prohibits knowingly and willfully providing false information to a consumer reporting agency.

4. 18 U.S.C. 1028A : Addresses aggravated identity theft, applicable if this bankruptcy was fraudulently associated with my identity.

My Demands : 1. Conduct a thorough investigation and provide proof of the bankruptcys validity, including the original court order and any supporting documentation.

2. Remove this bankruptcy from my credit file immediately if verification is not possible within the required timeframe.

3. Provide me with the results of your investigation in writing.

I have enclosed a copy of my identification and proof of address to facilitate this process. Please be aware that failing to comply with the laws mentioned above constitutes a violation, and I am prepared to escalate this matter to regulatory authorities and pursue legal remedies, if necessary.

This matter is urgent and must be resolved within the statutory period of 30 days, as required under the FCRA. Failure to do so will result in further action.

You may contact me via mail at the address above or by phone at ( XXXX ) XXXX if you require additional information. 

Sincerely, XXXX XXXX XXXX Please read the laws in this letter not verified read it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Product: Checking or savings account

So over a year Ago there was something unusual going on with my chime account as to maybe somebody may have had access to it without my knowledge, and my account was closed by chime due to suspicious activity on XXXX i have no idea as to why chime has never given me the right steps on how to proceed with the incident even after I have sent them information confirming my identity to that account, and as of XXXX I still dont have access to my chime account and that account is very critical to my financial foundation as I need to access sensitive information in that account like bank statements as most likely there has been fraudulent activity in my account I dont understand why chime hasnt either just close my account altogether or just let me have access back to it so I can get the viable information I need out of there so Im hoping maybe this complaint submission can help get through to chime thick skulls so I can have access back to my account especially if theyre emailing me updates as if I have been active on there which I havent
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX and the 3 Credit Bureaus ( Equifax, XXXX and XXXX ) on XX/XX/2021, XX/XX/2021 and again on XX/XX/2021 to verify information questioning the bankruptcies listed on my credit report and wanting to find out how the accounts were verified. When I wrote to my Courthouse, they responded with a letter and stated that they do not report to the bureaus. I have attached the letter to this complaint. I am asking that both bankruptcies be removed from ALL 3 of my credit reports and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). 
Please provide the following items : id

entify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit
report to prevent further damage.
Product: Checking or savings account

On XX/XX/XXXX, I made a cash deposit of a {$100.00} bill to my checking account in an Oriental Bank ( routing XXXX ) ATM machine located in XXXX, XXXX XXXX. The ATM machine accepted the currency but it did not register the deposit in my account. On the same date I contacted Oriental Bank Customer Service Line and made a claim about this incident. Customer Service collect all the requested information and send me an email stating that they will need 30 days to work with the claim and have a resolution of the incident. 

On XX/XX/XXXX, I contacted Oriental Bank Customer Service Line to follow up on my claim. The Customer Service indicated that Oriental Bank Claim Department has not been able to work with my case and a Manager from Customer Service will follow up with them. 

On XX/XX/XXXX and XXXX, XXXX, I followed up my claim again with Oriental Bank Customer Service and obtained the same answers like they were reading from a script. On XX/XX/XXXX, I received a call from a Customer Service Manager which stated that the Claim Department still have no answer and they will contact me a soon as they have one. 

Today XX/XX/XXXX, after 77 days of the claim, I had not receive any notification from Oriental Bank regarding this issue.

I am respectfully asking for your assistance because I complied with all the process established by Oriental Bank and they failed to address this complain in a responsible and correct way. Oriental Bank is failing to their own procedures and providing a very bad service to their clients.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent XXXXhe 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

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA.

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days. 

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX/XXXX  and on XXXX XXXX, 2019, CREDCO add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

My name is XXXX XXXX. I have made several complaints against this bank about their discriminatory practices in which I have requested they train their staff in treating other person of other races in spite of their national origin and accent the same way as they treat Americans. I am a naturalized American but I am an American in name but in reality with this bank I am treated differently.

I called this bank on XX/XX/18 to make a transfer on my account from my experience and in my discussion with other friends of mine that are Americans. To speak to a representative after you put in your account number and your pin through the automated system all the representative has to do is ask you your name and do whatever transaction you want to do. The call I made to this bank was around XXXX and XXXX XXXX on the XX/XX/XXXX. I think if I can remember I spoke to one XXXX she asked me my name and I provide that and she wanted to further ask other questions which I refused. I requested to speak to a manager who I think her name is XX/XX/XXXX who said what the representative did was right and she could ask further questions apart from my name. I think they are applying standards higher for me which they do not do to Americans and I know it is because of my accent and national origin. I think this discriminatory practices should be checked and same standards should be applied to every body regardless of nation origin and accent
Product: Checking or savings account

Credit Karma double-charged my rent payment and car payments which are my largest expenses. This resulted in an overdraft of over {$2000.00}. On XXXX I tried to notify them by phone, but after 40 minutes on hold the call disconnected. I reached out on chat, and after another wait, I explained the issue. They stated they were going to transfer me to a specialized department but that was also dropped. They then emailed me which I replied to with documentation showing which transactions they charged twice. It is now XX/XX/11 I have had no access to my money to buy food or other necessities, instead of fixing my account, they are threatening to drop me as a customer.
Product: Mortgage

My servicing company PennyMac collected an escrow payment from me, and was supposed to adjust my mortgage. Additionally, I continue to receive notices from my insurance company suggesting my home insurance hasnt been paid. At a minimum now the effective dates are different, but PennyMac is unreachable.

Even after staying on hold for 30 minutes at a time, they simply disconnect my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of 2021, my insurance company, XXXX informed me my home insurance rate would be increasing by nearly {$400.00} because credit information provided by XXXX determined that information they had gathered negatively impacted my XXXX XXXX. 

I was astounded since I have always paid bills on time, paid cash for everything except XXXX houses and have no debt. I could only conclude this was a case of misinformation or identity theft. In my 47 years with XXXX, I have never received such a notice. 

I immediately wrote Lexis /Nexis on XX/XX/2021 at the address XXXX provided, along with a reference number provided by XXXX XXXX I mailed the letter return receipt requested. The letter was received by Lexis nexus on XX/XX/2021. There was no response to my request for my report. 

On XX/XX/2021, I wrote lexis/ nexis again, requesting a credit report .This was also mailed with a return receipt requested. Records indicate lexis /nexis received this request on XX/XX/2021. Again I received no response. 

This time I also copied XXXX with my second request and included a cover letter explaining why I thought the credit report was inaccurate, and that XXXX had 47 years of me as a client to determine whether I paid my bills on time, had suffered adverse effects due to bankruptcy etc., since they also handle my bank accounts, as well as other insurance needs. This was also sent with a return receipt requested. 

I also requested that XXXX contact me in writing with their response, because I wanted a record for my files and also because I wear XXXX  XXXX and phone calls mean a lapsed time connection where I live.This letter was also sent with a return receipt request. 

On XX/XX/XXXX, person named XXXX from XXXX contacted me by phone ( never mind my request accommodating my XXXX ). After a discussion, he filed a digital request for my credit report on a XXXX portal and told me lexis/nexis would send my report in 5 to 7 business days. I have still not received the report. I can not address any credit issues without this report and continue to be impacted financially with higher insurance rates.
Product: Credit reporting or other personal consumer reports

Complaint against XXXX XXXX XXXX and Experian Inaccurate Collection Account on Credit Report I am filing this complaint regarding an inaccurate collection account reported by XXXX XXXX XXXX on my Experian credit report ( Account Number : XXXX ). 



XXXX. **Failure to Investigate ( FCRA Section 1681s-2 ( b ) ) : ** XXXX XXXX XXXX XXXX XXXX XXXX a reasonable investigation after the account was disputed as inaccurate and removed from my credit report years ago. Despite providing evidence, the account remains on the credit report as a collection. 

XXXX. **False Representation ( FDCPA Section 1692e ) : ** XXXX continues to report this debt as belonging to me, which is false and misleading. As they are debt buyers and have purchased the debt to which I have proven i am not party to. 

3. **Unfair Practices ( FDCPA Section 1692f ) : ** Reporting incorrect information to damage my creditworthiness constitutes unfair and unconscionable practices and I have suffered damages because of the violations. I demand restitution. 

4. **Dispute Handling ( FCRA Section 1681i ) : ** Experian has not properly handled the dispute by failing to remove the inaccurate information after already removing it before as it was identified as identity theft. 

5. **Inaccurate Reporting ( FCRA Section 1681s-2 ( a ) ) : ** XXXX is furnishing information they know, or should know, is inaccurate or incomplete. 

XXXX. **Harassment ( FDCPA Section 1692d ) : ** The continued false reporting contributes to harassment and abuse. My consumer rights are being violated with the defamation taking place. 

7. **Improper Access ( FCRA Section 1681b ) : ** XXXX lacks a permissible purpose for accessing my credit report as a third party interloper. 



Immediate removal of the inaccurate collection account from my credit report and confirmation of this action. 


Thank you
Product: Debt collection

Yes I recently disputed some accounts on my credit report that were Verified as accurate and I don't believe this to be so, A debt by CMRE Financial on XX/XX/17 was placed for collection and I do not take ownership for this debt can you please do a real investigation that the credit bureaus claims they did already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was buying a car and the dealership kept running my credit after I told them run it once.
Product: Credit reporting or other personal consumer reports

I am reaching out with absolute certainty and growing frustration regarding an error on my credit report that I can no longer ignore. It appears that my personal information has been misused, and I am concerned as I am a victim of identity theft. This inaccurate data is unfairly damaging my credit score, making it difficult for me to achieve financial stability and move forward.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX