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

I notified 5th/3rd bank that checks written in XXXX had not posted and I feared they were involved in washed check fraud on checks stolen out of USPS mailboxes XXXX I was advised by a 5th/3rd employee to place a " lost check '' STOP PAYMENT on the checks and this would stop them from being processed by the bank. The hold was placed on XX/XX/2022. 
On XX/XX/2022, I checked my account and {$17000.00} was missing. A check had indeed been washed and 5th/3rd paid over the stop payment. The washed check was dated and negotiated on XX/XX/XXXX. I notified 5th/3rd at XXXX XXXX  on XX/XX/XXXX of the fraud but was informed it was too late to take action because XXXX XXXX XXXXXXXX had paid out cash on the check. 
5th/3rd has refused to accept any responsibility for paying over the stop payment. There is a fraud claim between 5th/3rd and XXXX. The only information I have received is that it will take 30 to 180 days to process. Why are these mega-banks allowed to deny their responsibility for allowing the fraud while the customer who tried to stop the fraud is penalized and not even able to check progress on the claim?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, Experian, XXXX, and XXXX to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified EXPERIAN that I am a victim of identity theft, and requested that EXPERIAN Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) Im a member of the XXXX data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING EXPERIAN SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Product: Credit reporting or other personal consumer reports

THIS IS XXXX XXXX AND I AM DISPUTING THE ACCURACY OF THE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I AM REQUESTING THE DOCUMENTS UNDER OATH THAT GAVE THESE PERSONS PERMISSIBLE PURPOSE. DOCUMENTS BEARING MY SIGNATURE FOR CONSENT. I AM DEMANDING FOR EQUIFAX, XXXX AND XXXX TO STOP AND DESIST THE REPORTING OF THESE UNAUTHORIZED INQUIRIES IMMEDIATELY. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Asset Recovery - Tel : XXXX called me and threatened me with legal action ; threatening to sue me for over {$11000.00} and put negative remarks on my credit reports. Threatened to obtain a judgment against me for a debt to " XXXX Bank '' from the " XXXX ''. Claimed I negotiated with them in XXXX - never happened. Never received any documentation. I do not owe this debt and the debt would be uncollectable under the Statute of Limitations. They have my complete social security number so I pulled a copy of my credit report and saw they made an inquiry on XX/XX/XXXX. I am a victim of identity theft and any and all inquiries are very disconcerting.
Product: Credit card or prepaid card

Spoke with multiple people regarding a double payment to my Sams Club/Synchrony Bank credit card. Called synchrony and they are unable to reverse the extra payment, they cant do it electronically, they cant see it its still pending ( even though my bank said both payments cleared ) and synchrony told me I would have to wait 7-15 days for a paper check! The money allotted in my account is for other bills and I cant wait 7-15 days for a paper check. This company should not be doing paper anything, and there should be a process to reverse the charges. Poor customer service and no one would help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXXXXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX  - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to each credit bureau Equifax, Transunion, and Experian explaining the inaccurate information they are continuing to report on my credit report. these accounts have not been authorized by me. I have discovered my information was copromissed in many different data breaches. The main being Equifax and my local subscription stores. I have provided documentation and still no response. I have don try research and as an American citizen I have the right for each bureau to report 100 percent accurate information per the FCRA in particular 15 usc 1681i. These items have also not been validated per again FCRA 15 usc 1691g. I need these issues resolved, it is affecting my personal life unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX Experian took longer than the 30 days allowed for the dispute of a debt in my credit file for XXXX XXXX XXXX. When I questioned Experian they stated they are allowed up to 45 days. Under FCRA they are only allowed 30 as well as the creditor response. Experian and XXXX XXXX XXXX reguse to provide me documentations validating this account belongs to me. Experian ststed they are not required to provide me valudation of any debt in my crefit file. The debt is result of fraud/ Idenity Theft. I 'm aware that Experian is being paid by XXXX XXXX XXXX to keep the debt in my credit file. Therefore, this is why Experian refuse to delete the fraudulent debt and do not have any documentations validating this debt. I have contacted the media about this case. I also was questioned by the media how CFPB has handled this case because this is my second time filing this complaint with the CFPB. Experian also refuse to delete unauthorized inquiries in my credit file even though the creditors notified Experian to delete the inquiries. I also mailed Experian letters from the creditors telling them to delete the inquiries.
Product: Credit reporting

XXXX sold my credit card balance to a debt buyer XXXX, whom I immediately paid. Subsequently, XXXX purged the account history from my XXXX and XXXX credit reports, but left it in my experience as unpaid. It is impacting my ability to get a car loan and refinance my high interest debt. 
I believe XXXX should remove the account from my experience credit report as they did with the other XXXX bureaus because there is now way to retroactively represent what actually took place and the current reporting data is not correct.
Product: Credit reporting or other personal consumer reports

I have contacted the creditor and all three reporting agencies on XX/XX/XXXX XXXXXX/XX/XXXX, and XX/XX/ times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the XXXX XXXX account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on 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.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reported XXXX re-aging my account to equifax and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' equifax said they did an investigation and the re-aging dates were still on my account. 
as per the attachment equifax never did an investigation or made sure the debt was valid on their site. 

equifax let XXXX  re-age my account for their persoanl gain. 

equifax complied with bridgecrest and since transunion gets paid by bridgecrest to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.
Product: Debt collection

I owed credit card XXXX XXXX XXXX XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX XXXX Department. Previously I was contacted I had set up arrangements for paying them through XXXX From Debt, but had to drop them as it was a secured account. Received notice from Hammerman & Hultgren that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact XXXX to see if they would accept the offer. Sometime before the XX/XX/XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that Hammerman & Hultgren placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach.

I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). 

It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.
Product: Debt collection

XXXX continues to sell this outrageous debt amount of XXXX that they claim I owe to various collections agencies over the past XXXX years. ( to date they have sold to over XXXX different collection companies ) After numerous credit disputes as well as credit removals from reports and phone calls with direct XXXX representatives to stop selling this bogus contract to collection agencies I finally had no reporting of collections for almost XXXX years until now. I just saw again for the XXXX XXXX time a New Collection agency name Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX number is XXXX in my collection section reporting that I open this account with them XX/XX/year> for the debt amount of XXXX, XXXX on behalf of XXXX debt purchase. I as a Consumer again for the XXXX plus times did no such thing nor authorize any such purchases with XXXX amounting to XXXX, XXXX. I don't know nor recognize said collection agency or created such said amount requested by the collection agency on behalf of XXXX. They have falsely reported this on XXXX major credit reporting agencies as of XX/XX/year> XXXX, XXXX, and XXXX credit reporting agencies and it needs to be cease, dismissed and removed from my consumer credit reports expeditiously because this bogus collection is affecting my ability to obtain shelter for my family including myself
Product: Debt collection

XXXX XXXX desperate transfer XXXX  XXXX credit card debts they could not reconcile or proof to XXXX XXXX XXXX XXXX to avoid conforming to FTC guidelines and to keep incorrect information on my credit report. It is a tactic adopted by XXXX and XXXX trying to avoid the sixty days ruled, failure to proof legality of debts, manipulation, and fraud. 

I received statements that reflected large returns of XXXX  transactions and actual credit lines never provided neither a spending of cash/cash equivalents reconciliation of large deposits. I did not get any increase in credit lines to reflect the uses of those large return. For this reason the XXXX XXXX XXXX  credit cards accounts should be deleted in good faith because it does not full conform to FTC guidelines by law. 

In addition, XXXX has transfer accounts to XXXX XXXX collection to avoid liabilities for desperate and manipulated reporting of non variable information on my credit report.
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 XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against experian. Experian NOW has my overall credit usage at a WHOPPING 990 % ... ... ... ... I thought 100 % was the highest. My former complaint was that experian was reporting falsely that 100 % credit usage was wrong. And now 990 % is super super glitch wrong. What is happening.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I have included several documents for your review displaying the XXXX XXXX accounts being furnished on my account from the following credit reporting agencies. XXXX, XXXX and Experian. 
This is not a third party filing this complaint.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, 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 XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name XXXX XXXX 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 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

As of today, I'm 65 days late with my mortgage payments. I was approved with 17 future payments with the Homeowner Assistance Funds. Since XXXX XXXX is sending the bulks check to the mortgage and they always took couples of days to apply the payments. The purpose of the Homeowner Assistance Fund ( HAF ) is to prevent mortgage delinquencies and defaults, foreclosures. HAF is a federally funded program administered by the State of Florida and the responsibility of timely payment falls on the state and NOT the applicant. Theyve reported my acct as being delinquent for XXXX and XXXX to the credit bureau. The representative stated the accounting dept is behind. My account is coded as a code 3 which means I applied for the HAF program and was approved so no late fees will be applied. I also received a letter with the steps for foreclosure. I'm missing payments for XXXX, XXXX and now XXXX I contact HAF and they told me that they are sending the checks every month. My mortgage told me that they open an investigation since XXXX and Im being calling every day and nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email saying that on XX/XX/XXXX I had an inquiry for a loan which I didnt apply for. Tried calling company but number was wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Citizens Bank credit card is not calculating interest correctly, or even according to their stated terms. After receiving my XXXX statement, on or about XX/XX/XXXX, I called them for an explanation of how they calculated interest, since I believed it to be incorrect. I was forwarded to a manager, who explained that payments get credited in the following order : 1. minimum payment 2. any fees 3. purchases made in prior billing cycle 4. existing balances in order of highest interest rate to lowest Furthermore, the manager even TOLD ME that to avoid any interest charge in the next statement, I must make a payment of at least {$480.00} something. I therefore made a payment of {$480.00}, which you can see on my XX/XX/XXXX statement. Nonetheless, they STILL charged me interest on that statement, contrary to the manager 's verbal assurance to the contrary. 

Since then, I have made sure to make a payment that covered ALL of the minimum payment + any fees + all purchases made in that billing cycle. Despite this, Citizens Bank keeps increasing the interest charged on each statement. For example, on my most recent XX/XX/XXXX statement, they charged {$27.00} on a XXXX purchase balance. Yet I only made XXXX in purchases the prior billing cycle, and made a payment of {$970.00} to cover those fully, along with the minimum payment of XXXX.