23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a Safe box account with Suntrust Bank. It's located at XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Now it's new bank name is TRUIST. 
I opened the safe box account year XXXX XXXX and close year XXXX XXXX. 
To close Safe Box account, I emptied the box, returned the keys, filled out the paperwork. 
I had to return two keys, but I couldn't find extra spare key, so I paid an extra $ XXXXThey said they have to change all the keys. 
Recently another branch bank manager says there is still a safe box account and is paying expenses ever year {$55.00} from my checking account. I've been charged the wrong cost for XXXX years ( Total {$660.00} ). From my Bank account number XXXX under name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same day I went to the XXXX Branch to solve the problem. I asked them to show me ledger of safe box. They said they don't have any. 
A Banker in the branch said she would take of it and let me know later. Nothing happened so I visited the branch again. She didn't make any action. 
So I talked with another banker. He recognized an error and he said he will report complaint to the head office. I asked he to show me the complain report detail and filing case number. He said he couldn't provide it to me because it's an internal control information. He said that the staff at the head office will contact me but nobody contacted me. 
This time I talked with the Branch manager. I asked a case number again. Same answer. 
finally We opened the safe box with a bank engineer to make sure there is nothing is in the box. It was empty. He suggested He would pay in maximum for the past 3 years expenses ( {$160.00} total ) Why? 
Please give me a contact if you need more details. 

My phone number XXXX
Product: Debt collection

This matter has been addressed via administrative process with this corporation.No proper response from these criminals has been made and I demand to have this removed from my consumer report to avoid causing further injury. The proper procedure has been followed on my part however, the law has been broken and my consumer rights have been violated. As stated in the United States Code, a consumer must give permissible purpose for information to be shared and that has not happened. This is a blatant violation of law along with a violation of my consumer rights.
Product: Checking or savings account

I closed my two accounts back on XX/XX/XXXX this year because I relocated to XXXX, Illinois, and there are no US bank branches nearby. I requested that a check of each account is sent to my new mailing address. I never received a check, so I contacted the 24-hour customer service ( I initially contacted the branch office, which is located on XXXX XXXX, XXXX, MN, where I opened the accounts, but I was directed to contact the 24-hour customer service ) and was told that two checks had been sent to my residence. I never received any of the checks. 
They told me that I had to fill out two Declaration of Loss forms. I filled out the forms and sent back in the provided envelopes.The address shows XXXX XXXX XXXX and I believe its address is XXXX XXXX XXXX, XXXX, MN XXXX. 
Since then, I have received only one check of {$100.00} from my checking account, but not for the balance ( {$2600.00} ) on my savings account. 

I contacted the XXXX branch office where I opened my accounts and the 24-hour customer service many times, and the XXXX XXXX. ( I have all the records. ) However, the 24-hour customer service put me on hold for over 30 minutes and never returned. I left numerous messages on the voice mail of XXXX XXXX, but I have never received a single response. The branch assistant office manager told me that they could not help and told me to contact the XXXX XXXX. ( I can give her name if needed ). I noticed that the check for my check account of {$100.00} was issued on XX/XX/2019, by XXXX XXXX located on XXXX XXXX XXXX , XXXX, XXXX, MN, which is in the corporate office building. 
I am also attaching the Declaration of Loss forms to this mail. 

Many thanks in advance.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

XXXX XXXX XXXX .... and XXXX XXXX are fraudulent accounts reporting on my Experian CREDIT REPORT.I have never at any time ordered anything from either company.Either someone used my information or it is an error of the creditor.They both accounts should be immediately removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX .... is a paid in full account.The current description as a chargeoff/collection is inaccurate and either should be corrected or preferably remove the account.
Product: Debt collection

The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. Pendrick Capital Partners II has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, XXXX XXXX XXXX, trying to make me pay {$640.00}.
Product: Credit reporting or other personal consumer reports

My account shows late payments that are inconsistent with my usual payment behavior.
Product: Credit card

In XXXX, after 20 years of employment with the same company, my wife was laid-off due downsizing. She had several credit cards at the time and I was listed as an authorized user on some of them. I was not the OWNER of any of the credit cards - I was only an AUTHORIZED USER. My wife was successful in finding another job but the pay was 1/3 of what she was making before she was laid-off. For over 3 years, she tried to keep up the payments on her credit cards by drawing money each month out of her retirement account. Unfortunately, in XXXX of XXXX she had no choice but to declare bankruptcy because she had used up her savings and retirement dollars. After she was discharged from her bankruptcy, I began receiving certified/registered letters from XXXX demanding that I pay the balance on her credit card. I explained to them that I was not the owner of the card, but simply an authorized user. I asked them to send me proof that I had signed the cardholder agreement as a responsible party. I received a letter from them stating that they did not have the proof that I was a responsible party on the account. I explained to them that until they could furnish proof that I was a responsible party on the charge card that I was disputing the validity of the debt and respectfully requested that they do not contact me again. To date, they continue to harass me requesting payment and have now sold the account to a collection agency that is demanding payment. My wife talked to the attorney that handled her bankruptcy and was informed by her that I am not responsible for this debt. I am requesting that the harassment for payment on this account be stopped and that the negative information they have reported on this account to the credit bureau be retracted.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to XXXX and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from XXXX I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years  old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
Product: Checking or savings account

I have a 6 figure CD with Discover Bank which matured on XXXX. 
I called Discover 4 times, XXXX, XXXX, XXXX and XXXX. I also sent messages via Discover 's web site and received acknowledgments of my messages to close the account and send a check. 
On XXXX I talked with a supervisor, she told me my account would be closed and an EXPEDITED check would be sent to me. As of XXXX I have NOT received a check. 
As a matter of fact on XXXX I received a USPS letter saying I renewed my account. Even after they told me they would close my account. I received letters and Emails saying I RENEWED my CD. I have received 8 Emails 4 web site messages as well as calling 4 times to close the account and send me the proceeds. 
As of XXXX the told me they would send a check. I WO N'T BELIEVE IT UNTIL I GET THE CHECK.
Product: Credit reporting or other personal consumer reports

I disputed a collection account on my credit report and XXXX removed the account due to incorrect information. However, XXXX and XXXX have refused, twice, to not remove the account, stating that the creditor disagrees with my dispute. The account was not opened in XX/XX/XXXX, but in XX/XX/XXXX when the first official delinquency was reported. Therefore, this account is not XXXX XXXX XXXX, but actually XXXX XXXX XXXX and XXXX and XXXX refuses to correct this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report 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 Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Address in Compliance with Fair Credit Reporting Act ( FCRA ) I am writing to formally request the removal of an outdated address from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). The outdated address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Under the FCRA , consumers have the right to dispute and request the removal of inaccurate or outdated information from their credit reports. As I no longer reside at the aforementioned address, its inclusion on my credit report is inaccurate and may potentially affect my creditworthiness. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the outdated address from my credit report, in accordance with the provisions outlined in the FCRA. 

Enclosed with this letter is documentation confirming my current address for verification purposes. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure the accuracy of my credit report.
Product: Mortgage

Hello : Original complaint number : XXXX On XX/XX/XXXX I received correspondence from your company explaining to me that my case with your establishment was closed due to CitiMortgages response. 

The company 's response is attached please review for your records. 

The response by CitiMortgage dated XX/XX/XXXX explains that a fix to the problem should have occurred on or around the date of Monday XX/XX/XXXX.

As of Saturday, XX/XX/XXXX the problem is not fixed and I am still experiencing the same problem as I described in my previous complaint. Please advise on how I should proceed. 

Thank you
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX PORTFOLIO RC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : PORTFOLIO RC Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with PORTFOLIO RC authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that PORTFOLIO RC provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial st
anding. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

In XX/XX/XXXX I cosigned a private XXXX XXXX XXXX for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point
Product: Debt collection

XX/XX/XXXX RE : Erroneous Reporting Please Delete To Whom it May Concern, I am in the process of purchasing a home and I am requesting that you delete or correct the reporting on the listed account below ASAP as it is holding up our home purchase. 

This account should have not gone to collections as the original creditor ( XXXX ) was unable to provide service at my new location and I paid every bill on time every single month for the 5 years I was a client. This account was removed from my credit last year when it was with XXXX  because XXXX was unable to verify the validity of this debt. 

They continue to attempt to fraudulently claim that I owe them money which is why I am initiating a consumer complaint with the CFPB. 

Your urgent attention this matter is requested as it is holding up my purchase. 

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

I see a credit check on my account from XXXX no idea who that is it says it was in XX/XX/XXXX or XX/XX/2019
Product: Debt collection

The alpine credit agency falsely linked another persons debt to my ssn. I called the credit agency in XXXX and they would not help me because they said they verified it was me. I obtained the medical centers information where the bill was done in Colorado and spoke to the billing office. They confirmed they did not have an ssn on file for the person XXXX XXXX and it wouldnt be identity theft because my social wasnt given either. Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XX/XX/XXXX date of service for XXXX XXXX per XXXX? financial XXXX at phone number XXXX m-f XXXX. I have never lived in or visited Colorado, my name is not XXXX XXXX. I did send my id with my address and name and a letter to XXXX and they intitally removed it but recently readded as they said the credit agency verified it was me. This is harming my credit and I am in the middle of trying to get a loan and this is extremely detrimental and frustrating as the collection agency has been so rude and wont take accountability for making a mistake.
Product: Debt collection

I disputed a reporting by Portfolio Recovery Associates , LLC. They sent me a copy of a credit card statement, but did not send me a copy of the contract that I allegedly signed with the original creditor and did not send me a copy of the agreement authorizing them to collect on behalf of the original creditor or a sale agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau as well as Experian are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and Experian credit bureau