23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Credit Report Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Account Balance : {$1000.00} This account does not belong to me and I am requesting immediately removal. I also included a copy of my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting closed account that does not belong to me with Santander. The account is under another persons name and should not be reported on my credit report. XXXX has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through XXXX  will not even allow me to dispute any incorrect information through there website or bring up credit report.
Product: Credit card or prepaid card

I purchased shoes from an online company called XXXX using my Sams Club Synchrony Bank Master Card. XXXX sold me counterfeit shoes and after months on back and forth emails they would not refund me for the shoes. I had even sent them back the shoes because when I informed my credit card about the situation the first dispute they sided with the seller because they said I still had received a pair of shoes and even though I provided sufficient documents proving the shoes were in fact fakes and the sellers were unwilling to assist me, my credit card could not do anything as I was in possession of a product. I informed them it was illegal to sell counterfeits and try passing them as authentic in the United States but my credit card rep was not willing to assist me further so I shipped the shoes back hoping my credit card would assist me and as of XX/XX/XXXX my credit card company has gone silent on me and has not returned my calls.
Product: Debt collection

I NOTICED THAT NATIONAL CREDIT SYSTEM PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL NATIONAL CREDIT SYSTEMS. THE NATIONAL CREDIT SYSTEMS SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE XXXX  XXXX STAYED THE LEASE WAS SIGNED..
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Based on the information provided, it appears that there are 2 ( two ) incorrect accounts with XXXX that are being reported on my credit report, and my dispute to have them removed has been unsuccessful.

Even though the credit reporting agency admits, the account is inaccurate, which makes it willful non-compliance Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. The credit reporting agency is required to investigate my dispute and provide me with the results within 30 days. If the investigation finds the information to be inaccurate, the credit reporting agency must correct or delete the information. This is supported by the case of XXXX XXXX XXXX XXXX XXXX XXXX where the court held that the FCRA imposes a duty on credit reporting agencies to conduct a reasonable investigation upon receiving a consumer 's dispute. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) provides protections against abusive, deceptive, or unfair debt collection practices. If the XXXX account is being reported in an inaccurate or misleading way, this could be a violation of the FDCPA. The case of XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX established that the FDCPA applies to the activities of debt collectors, which could include the reporting of debts by financial institutions.

The Gramm-Leach-Bliley Act ( GLBA ) also requires financial institutions, including XXXX, to protect the privacy and security of my personal financial information. If the institution has failed to properly safeguard my information or has disclosed it without my consent, this could be a violation of the GLBA. The case of XXXX XXXX XXXX XXXX XXXX demonstrated that the GLBA imposes data security requirements on financial institutions, and a failure to comply can lead to enforcement actions.. 

Being as though this is not the first attempt to fix this problem, the credit reporting agency no longer has 30 days to respond, but they have to delete in 10 business days or less
Product: Debt collection

XXXX XXXX XXXX XXXX Collection Fraud/Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting or other personal consumer reports

My account with these creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX DAYS to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


these creditors Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

Under the provisions of FCRA 623 ( A ) ( 8 ) ( E ), you have a duty to review all the information in this Notice of Dispute to complete your investigation within 30 days of this Notice of Dispute. Your firm has verified /updated in reply to my dispute ( s ) with the credit bureaus that this account has not surpassed the 7 year reporting period.The basis of my dispute is that this account is too old to be on my credit report and has surpassed the 7 year reporting period.

I am requesting you to delete this account or provide the PROOF you have on file such as the Date of First Delinquency and Date of Last Payment which would prove your right to continue reporting this account. Under the aforementioned law in this letter your agency has 30 days to do so. 
Please be aware that this XXXX account reporting as a charge off has been DELETED from my credit reports. 
XXXX XXXX  XXXX XXXX was reporting to the credit reporting agencies with a Date of Last Payment reporting as XX/XX/XXXX. The Date of Last Payment is followed by the Date of First Delinquency which triggers the 7 year reporting period under the Fair Credit Reporting Act. 
XXXX XXXX  sent me information in the past that the Date of First Delinquency was XX/XX/XXXX but reporting Date of Last Payment as XX/XX/XXXX. I pointed out that both the DOLP  and DOFD which is the month that follows Date of Last payment could not both be reporting accurately. 

XXXX XXXX  has deleted this account that they were reporting as XXXX XXXX XXXX XXXX and your agency is reporting as Portfolio Recovery # XXXX Remove this account or provide the PROOF that I have requested.I will file complaints with FTC, AG and or attain legal representation because this account has been re-aged by Portfolio Recovery or XXXX XXXX  and I will seek out a lawyer if I am forced to find the culprit or culprits.
Product: Credit reporting or other personal consumer reports

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

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 instructio

ns 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received several alerts for an XXXX XXXX  on XX/XX/XXXX. What really stuck out for me is that the XXXX where I had purchased my XXXX  from XXXX years ago was listed as running my credit report. Along with XXXX other banks listed. The report came from Experian but XXXX was listed with each alert. I called Experian but then they told me I had to call XXXX. I called XXXX. They said they have nothing in my report showing those inquiries. So then in XXXX told me That I need to call the Federal Trade Commission. So here I am, I do not know where I need to start to get this resolved. I call XXXX company they tell me to call another company that company tells me to call the Federal Trade Commission. Ive been trying really hard to keep a good credit score. Please help!! XXXX more piece of important information is the the credit run is all in Texas. Im in Colorado since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no insights into this issue, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, upon the advised of a legal councel, I immediately went to XXXX XXXX Police Department and filed a report regarding what I just learned a fraudulent information showing on my credit report. I am very much surprised to learn that an existing mortgage account being reported under my Name and my Social Security number by XXXX XXXX XXXX with opened date back XXXX of XXXX. 

I hereby attaching sworn statement given in from of Police Office XXXX XXXX # XXXX. 

Account information of fraudulent account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Loan Amount : {$90000.00} Balance Owed : {$15000.00} Though this account appears to have been kept with good payment status, this is still not mine and must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dir Sir or Madam:I wrote to you approximately 11 months ago regarding a ‘Charge Off’ and delinquent activity being reported on my credit file from Citibank (CFPB Case No. XXXX). I received a response on XX/XX/XXXX, from XXXX XXXX denying my request to remove the derogatory information. In late XX/XX/XXXX, Citi shut down an overdraft account after I closed my corresponding checking account. At the time, I did not realize that there was a balance due on the overdraft. After the account was closed, I attempted to log on and ensure that everything was in order but was unable to access the account at that point. I called Citi and was told that they would be in touch. I was never contacted again.In XX/XX/XXXX, my company was in the process of securing a $XXXX XXXX XXXX loan for a XXXX XXXX XXXX project. The lender ran my credit report and found the derogatory information. I called Citi and they explained the reason for the status of the collections. I immediately transferred $XXXX to Citi to clear the balance. None the less, I was forced to resign from the company in which I was a 50% shareholder, in order to secure the loan.As of today, Citi is still showing the balance due and multiple associated late payment marks. In his letter, Mr. XXXX  never mentioned receiving the payment of $XXXX on XX/XX/XXXX. Mr. XXXX also claimed that Citi had no record of any communications with me or of statements being returned. I cannot accept his claims since the company has an inability to even track my payment of the XX/XX/XXXX.It has now been approximately one year since I first notified Citibank of this troubling issue. My credit and business have been harmed and I would request that you assist me in dealing with this egregious lender. If the $XXXX is not corrected to be shown as paid and the derogatory marks removed, I will be forced to seek legal action.Kind regards,XXXX XXXX
Product: Credit card

My problem originated in XX/XX/XXXXXXXX  when my Chase credit card number was changed due to an unrelated fraud incident. This resulted in multple " purchases '' and " refunds '' to my credit card statements. I have made several attempts to reconcile this problem with Chase customer Service representatives without success. Most recenly, I talked with XXXX on XX/XX/XXXXXXXX  and XXXX on XX/XX/XXXX. 

In summary, I made two donations to XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXXXXXX  for a total donation of {$2000.00}. The problem is that my charge statements reflect a total charge of {$3000.00}. The Foundation sent me backup data in XXXX to document that they had only received a total of {$2000.00}. Therefore, there is a discrepency of {$1000.00} that is owed to me by Chase. 

I have sent all the relevant informaton to Chase several times without success. Most recently, I resent a letter ( XX/XX/XXXXXXXX  ) with documentation illustrating that I had been charged {$3000.00} for the foundation and that the foundation had only received {$2000.00}. 

I have been unable to get Chase to address this problem.
Product: Debt collection

I been dealing with this issues for a few years from XXXX XXXX and now they transfer my account to collection agency when these XXXX accounts have been fully paid for. I also have spoken with the managers in the office and they also inform me that these accounts have been paid for. They don't understand where they are getting these outstanding balances. I am being contact via phone calls and by mail. This needs to stop. I have attached the payment history of all both accounts. This is law suit at this point when they are trying to collect on an account that is paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of the following inquires on my credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have no knowledge of these companies for any services. 

It was also conveyed to me that inquiries or a fact that I applied for credit or gave my permission to these creditors which is not a true statement!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, A Victim of identity theft, I request removal and deletion of the listed accounts on my Experian credit report.1. XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan with you guys on XX/XX/2018 and it is not currently reporting to my XXXX  credit bureau. The partial account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have attempted to request verification of alleged debt multiple times. They responded with the amount of {$5400.00} and a contract NOT signed by me and also, not with the specified company.
Product: Checking or savings account

Region 's Bank charged me an Overdraft Fee of {$36.00} on XX/XX/XXXX when my account balance is and has been positive since XX/XX/XXXX. 

They have claimed that some mysterious pending transaction that was never shown on the account whatsoever must have caused it by dropping it to negative, despite the fact that no such transaction was ever recorded by myself or the bank 's online service, and overdrafts are not applicable to pending transactions, only posted transactions. According to both logs, there was never a negative balance during the weekend of XX/XX/XXXX. 

Region 's support has stated quite bluntly that they will not be returning the money and they are unable to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Barclay XXXX  XXXX  credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from Barclays Bank since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since Barclay did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When Barclays reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for Barclays Bank to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from Barclay is detrimental to my credit rating, with a substantial credit score drop of XXXX points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. We do not have a home or a vehicle because of these unfair practices. You are blocking me from providing shelter and food for my family and kids to survive. 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account that is due for collections is showing up on my credit report. The account is for the of amount of {$4000.00} and was opened in XXXX XXXX  and has been in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing several addresses on my credit file that don't belong to me. There's an address belonging to my parents that I've transferred my mail to in the past while I was in the process of selling my home and moving to my new home. I have never lived or applied for credit at any of the address, however, they will not allow me to dispute or remove them.