23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX [ DE ] XXXX. 
To Whom it May Concern This letter is a formal complaint that you have reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. 
Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. 
I have been disputing the below account for the last 8 Months, and never ever have I received any proof from you regarding this alleged debt below : BARCLAYS BANK DELAWARE Account number XXXX UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. INCORRECT ACCOUNT NUMBER<NOT A CREDIT CARD NUMBER. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. 
I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 
Kind regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to Experian and XXXX  along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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

Wrongful repossession. I was never ever notified or contacted about repossession and I was never contacted when they sold my vehicle and honestly it hurts. The after effects on me and my family are horrible
Product: Debt collection

Central Financial Control XXXX Syndicated Office Systems is reporting a debt to XXXX XXXX XXXX XXXX.It shows on my reports as account number XXXX. The collector is collecting for XXXX XXXX XXXX where I had XXXX XXXX some time ago.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an XXXX we can go anywhere.I thought I was having a XXXX XXXX with all of the symptoms of one. I was on the phone to VA staff explaining my situation, they told me to call XXXX.An ambulance was called and transported me to XXXX.When treated I provided information that I had full VA medical benefits.This erroneous bill and debt should not exist.You must delete this account according to law as the responsibility for payment was the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX  Did not show me proof 609 act
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with Shellpoint Mortgage. Shellpoint will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. Shellpoint has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you
Product: Student loan

Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number.
Product: Debt collection

Exhusband was court ordered to pay this debt. I was never notified this debt existed. The collection agency claims they notified and served me but I was not there, did not live there, and did not know this debt turned into a lien on a property I do not own the property and have not since 2013. I called for information and was told he could n't give me any without me first paying the debt in full to remove the lien. He ( XXXX ) is rude and hangs up on me
Product: Credit card or prepaid card

I have a credit card with Chase bank. Last year there were fraudulent charges on the card. As the issue was resolved I continued to make payments so that it did n't affect my credit. The balance was adjusted appropriately and I resumed making payments to the smaller amount that I agreed was a result of legitimate charges. My ability to make payments online was taken away. I was told it was because the account was closed. Instead I made payments via phone for months. I have maintained a regular payment each month as agreed. In the past 7 days I have called Chase multiple times to make my payment as usual. Only now they refuse to set up any payments over the phone. Instead I am transferred to a fraud investigator with chase that has told me that she will not accept any form of payment except a mailed check. I told her that was fine but I needed the account number. She refused to give it to me. I explained that they do n't send me bills or statements anymore even though I still have a balance. She told me that it was my responsibility to know my account number. Chase had stopped sending me statements, denied me access to my accounts or my statements online ( even though I have done them no wrong ), and now they are refusing to let me pay and very close to forcing my account into delinquency for no reason. Please help, I just want to be given a reasonable way to make the payments to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Student loan

I received a notice from MOHELA that due to some mistake, I could have my XX/XX/XXXX payment refunded. I just needed to call and request the refund. I received this around XX/XX/XXXX and called right away. I did not receive my refund so I called back in XXXX and they said it was pending. 

Today, having still not received my refund I called again. They told me the request was submitted on XX/XX/XXXX and was still within their window of 90 business days for refunds. 

I submitted my request in late XXXX or early XXXX. It's absurd that it's XXXX and they have not issued me my refund.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Investigation of Consumer Rights Violations Dear CFPB, I am writing to formally request your assistance regarding a serious violation of my consumer rights related to inaccurate information on my credit reports maintained by XXXX, Equifax, and XXXX. I have contacted the credit bureaus multiple time and nothing was never done expect saying that my file was accurate and that is false. There was also an occasion where my birth year was incorrect. 

I have previously submitted letters to the credit bureaus disputing various items that I believe are inconsistent, erroneous, and some of which have been on my credit reports for over seven years. Despite my efforts, including sending multiple letters outlining my concerns, I have not received any satisfactory resolution, nor have I been contacted by the credit bureaus to fully investigate these matters.

The specific issues I am encountering include : 1. **Inaccurate Amounts** : The reported amounts for several accounts do not align with my records.

2. **Outdated Information** : Some items on my credit report are over seven years old and should have been removed per the Fair Credit Reporting Act.

3. **Lack of Investigation** : I was never contacted by the credit bureaus for further information, which I believe indicates a failure to conduct a thorough investigation as required by law.

Given these ongoing issues, I am requesting that the CFPB take action to ensure that XXXX, Equifax, and XXXX investigate my claims fully and delete any information that is inaccurate, outdated, or a violation of my rights under consumer protection laws. 

Thank you for your attention to this matter. I appreciate your support in ensuring that my consumer rights are upheld.
Product: Credit reporting or other personal consumer reports

GLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to : *Provide me with required privacy notices outlining their information-sharing practices.

*Offer an opt-out option for sharing my personal information with nonaffiliated third parties.

*Demonstrate adequate security measures to protect my personal and financial information, as mandated by the Safeguards Rule. 
*Ensure proper identity verification, raising concerns about pretexting protection. 

I demand immediate action to stop any unlawful sharing or use of my information and a full account of how my data has been handled. Additionally, the company should provide proof of compliance with the Safeguards Rule and privacy notice requirements.
Product: Credit reporting or other personal consumer reports

I requested to be removed as an authorized user as it is showing that I am still even though I was removed and then the account owner cancelled the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Used Regions HELOC show funds for condo, didn't buy, put money back, shows used 100 % of limit, now HELOC is PAID IN FULL, please report to credit NOW, need to help family get loan for medical
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, I have tried to plead my case with Transunion that I have inquiries on my credit report that I did n't authorize. Customer Service representatives refuse to help me and remove the negative inquiries reflecting on my credit report. I am a victim of the XXXX breach therefore, my personal information has been compromised. My credit is very important to me and the fact the Transunion is not willing to remove these inquiries and denying my right to dispute is negatively affecting my credit. I am constantly being told to contact the credit agency even after I let the Transunion representative know that I have done so and have been redirected to Transunion to remove these inquiries. Being a consumer this is very frustrating as I have made multiple disputes to the XXXX and CFPB. I have called numerous times as well and Transunion refuses to resolve this issue. The last representative I spoke with told me that I needed to wait 2 years for the inquiries to just fall off which is not an option for me. The inquiries that need to be removed are the following : XXXX XXXX XXXX/XXXX/XXXX ), XXXX 's TX ( XXXX/XXXX/XXXX ), XXXX B ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXXXXXX ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ), and XXXX ( XXXX/XXXX/XXXX ). My next step would be to file a complaint with the XXXX and once again with the XXXX.I do n't need these items disputed, they should be removed and an updated copy reflecting those removals should be sent to my current mailing address.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I am asking that you send Your method of investigation, for the XXXX, XXXX and XXXX along with all the records of whom you spoke with their business addresses their name and phone number, as well as documentation that proves this was late if you can not provide me with this information, please update the account to Paid/ NEVER LATE For the month of XX/XX/year> and send me a copy of my updated credit report
Product: Credit card

I mistakenly paid {$41.00} less then the total amount due on XX/XX/XXXX. Citi XXXX XXXX Card XXXX is charging me interest of {$33.00} and {$150.00} on statements from XX/XX/XXXX and XX/XX/XXXX. 
When I asked Citi representative to provide me document of how {$33.00} and {$150.00} interest was calculated, they did not provide anything. They just said it is 23.99 % interest calculated by their system. 

On XX/XX/XXXX, I received a statement with a new balance of {$2600.00} ( New purchases of {$2600.00} in 1 month cycle ) with a due date of XX/XX/XXXX. 
On XX/XX/XXXX or before, I paid total of {$2600.00} to Citi XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received a statement with a new balance of {$2800.00} ( New purchases of {$2800.00} in 1 month cycle ) with a due date of XX/XX/XXXX. 
On XX/XX/XXXX or before, I paid a total of {$2800.00} ( XXXX payments + {$43.00} credits ). I mistakenly paid {$41.00} less. I mistakenly paid {$2800.00} instead of {$2800.00}. 
On XX/XX/XXXX, I received a statement with a new balance of {$7800.00} ( New purchases of {$7700.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$33.00} interest. 
On XX/XX/XXXX, I realized I paid {$41.00} less and paid {$100.00} to cover those shortfall. I also called Citibank representative and asked for XXXX XXXX. They reversed {$33.00} and {$0.00}. 
On XX/XX/XXXX or before, I paid a total of {$7800.00} ( {$7700.00} payments + {$56.00} credits ). 
On XX/XX/XXXX, I received a statement with a new balance of XXXX ( New purchases of {$1500.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$150.00} interest. 
On XX/XX/XXXX, I called Citibank representative at XXXX and requested to provide interest calculation of {$150.00} and {$33.00}. I asked her how paying {$41.00} less results in interest charge of {$33.00} and {$150.00} interest. She refused to provide the interest calculation. She mentioned it is done by Citibank 's system. 
I tried contacting another Citibank representative XXXX in XXXX XXXX. He also did not provide me any interest calculation.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will res
ult in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft inquiries XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken to XXXX  several times and a majority of the time the reps are very rude.. My last call was XX/XX/21, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX  's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Product: Credit card or prepaid card

I can not reach US Bank thru their reliacard telephone number nor do they have proper resources online to file a fraud complaint. I did not file for unemployment and have filed cases with XXXX, FTC, local police, and all credit reporting agencies. Yet I still received a US Bank Reliacard. When I attempt to close the account and report it as fraud I get the run-around. It should be a very easy process to report fraud. When I call their XXXX # it says they are too busy to speak with me due to call volumes and then it just hangs up on me. Doesn't even give me the opportunity to sit on hold. This needs to be investigated.
Product: Credit card or prepaid card

My debit card information keeps being handed out to SEZZLE payment services each month. they go over my head and contact XXXX and XXXX services hands out my new bebit card information without my consent. They is a reoccurring problem thats happened 3 times to me. My information is not safe and XXXX is willing sharing my information with merchants without my consent.