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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XX/XX/2023 XXXX, Transunion, XXXX Subject : Dispute and Demand for Removal of Inaccurate Late Payment from Credit Report Dear XXXX, Transunion, XXXX I am writing to formally dispute and request the removal of a late payment entry on my credit report. According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), the Truth in Lending Act ( 15 USC 1666 ), Bravo section 602, Alpha ( Section 602 of the Fair Credit Reporting Act ), 15 USC 1681b, and 15 USC 1666, I believe this entry to be inaccurate and in violation of my rights as a consumer. 

On XX/XX/XXXX of 2023, it was reported that I had made a late payment on XXXX XXXX XXXX. However, upon reviewing my records, I have found evidence that contradicts this information. there is not signed contract and not evidence of stament of bill mailed,20 days prior to the payment due date, also and not identity verification process confirmed It is important to note that under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 USC 1681b ). In this case, the inclusion of the late payment entry without proper verification or investigation has resulted in a violation of my rights as a consumer ( 15 USC 1681 ).

Furthermore, the Truth in Lending Act ( 15 USC 1666 ) establishes my right to fair and accurate reporting of credit information. The inaccurate reporting of a late payment adversely affects my creditworthiness and financial standing, and it is imperative that this erroneous entry be promptly removed from my credit report.

In light of the aforementioned legal provisions, I kindly request that you investigate this matter thoroughly and, if found inaccurate, remove the late payment entry from my credit report. I expect this request to be fulfilled within the legally required timeframe of 30 days.

Failure to comply with this request and rectify the inaccurate reporting may result in further legal action to protect my consumer rights. Please provide written confirmation of the investigation and resolution of this dispute within 30 days of receiving this letter.

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am using my middle surname name XXXX XXXX, because the email locked me out of the account with the cfpb My name is XXXX XXXX XXXX under the email XXXX. I ask the representative whom I spoken to at TransUnion to not share my information with anyone on their recorded line, However I have also gave written statement, They updated my information, Unbeknownst to myself and got two different creditors to contact me, One with a wriiten debt warrant to go court or pay the debt, I do not know this person or debt, So I would like to sue. it's in a written statement using my name and information will costs XXXX $ an hour, TRANSUNION, They used my address without my permission XXXX XXXX - XXXX. No. XXXX [ Second Account XXXX XXXX XXXX XXXX XXXX Have reduced a debt that's, not mine [ The XXXX XXXX XXXX account XXXX }, Reduced the debt to {$2400.00}. The previous owners of this apartment complex left owing {$190000.00} That's the amount that they cut they whole building water supply off, I left owing not a dime they credited me only XXXX I paid {$1900.00} to move in I have my receipts plus XXXX Administration fee these folks are crooks read their reviews
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries reporting on my credit report I ask that they be deleted these hard inquiries is effecting my credit negatively. Ive listed the hard inquiries. 

XXXXXXXX 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 or other personal consumer reports

Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX. Florida. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX 1. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against XXXX XXXX XXXXXXXX XXXX XXXX ; I am dissatisfiedwith the handling of my complaint. 

2. XXXX XXXX XXXX, XXXX did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

3. XXXX XXXX XXXX, XXXX explicitly states in their response : " XXXX  is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

4. I also sent a 2nd complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX  is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX  holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB v. XXXX XXXX XXXX, XXXX, case no. XXXX. 

5. XXXX  has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

6. In order to verify a debt as XXXX XXXX XXXX, XXXX has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

7. Refer to XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.
Product: Debt collection

this company ncb management is trying to collect on a debt that was proven fraud its been clearly sold from one collection to another now this company is trying to collect on a fraud account I had disputed back in 2019 and was successful at removing it. I want this harassment to stop or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home and the mortgage was with XXXX XXXX XXXX. The account is listed on my credit report as being late, when the home was sold and XXXX was paid in full. I tried to work with XXXX to get the matter resolved but had no luck. Can you please help.
Product: Student loan

I am XXXX years old and struggling to make payments. I've been paying on this loan for a nymber of years ( over $ 300/mo ) and despite all efforts can't seem to get relief. Despite all my payments, the loan amount has only decreased about {$600.00} in the last 8 or 9 years. I've tried to get into my account to get more specific information but with all the changes they've made I can't even seem to be able to log into my account now. I've spoken to them in the recent past and was not able to get any satisfaction. Please help me by letting me know what I should do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX XXXX REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Product: Checking or savings account

I bank with Chime.com. A couple months ago they put my account under review because of an accidental over transfer. I was trying to move my savings from another bank to chime because they have a better APY. They froze me out of my account and put it under review asking for source of income, ID and address verification. I provided all of those. They would say it will be 4 hours and then it would take days to get back to me. It was a long hard journey to get that access reinstated.

Now mere couple months after that verification, today I wake up to a 1am email notifying that my account is closed with no heads up and no information on which of their policies were violated. I called the support number and reached out to email and I get directed to the links with no in person support on which item caused this situation. On top of that, they somehow always manage to do this days before rent is due. The sheer abrupt behavior of this bank is alarming.
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost XXXX of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased two flight tickets from XXXX using my Citizens Bank credit card. ( XX/XX/2020 ) XXXX kept changing my flights, and at first I accepted the options because it was reasonable. But then they changed my routes again, and again ... 
So I had to cancel my tickets. 
I believe under federal regulations they have to give me my money back in full if an airline cancels a flight and offers no reasonable alternative departure. And believe me, those alternatives were not REASONABLE. 
Please help me! 
I send XXXX emails asking for a refund months ago and still I have no answer. ( XX/XX/2020 ) After that, I send Citizens Bank emails ( on XX/XX/2020 ), with screenshots of the purchases I made, but they refused to give me a refund after they finished their investigation. ( They finished their investigation on XX/XX/2020 ) The original two flights with XXXX.XXXX  costed {$510.00}, and {$270.00} and the first new itineraries {$140.00}, {$91.00}, {$23.00}. This I was willing to accept, BUT they changed the routes again, and added more and more unreasonable " options ''.
Product: Credit reporting or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. My rights of privacy has been violated and permissible permission was never given in any form of written consent to report. I demand that every account attached be Deleted and Blocked from my consumer report as these accounts are clearly in violation of Federal Law. PLEASE SEE ATTACHMENT
Product: Credit reporting or other personal consumer reports

This account has been disputed several times and with all the investigations and understanding of the FCRA then anyone in the line of work should know that an item should stop reporting and be removed after XXXX years from the XXXX date of delinquency, what happened through updates and ongoing non investigation is that the time of delinquency was scrubbed, removed and extended the length of time as if this never occurred? Please remove this account immediately to remain compliant of FCRA account XXXX Discover loan
Product: Debt collection

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Grant Mercantile Institute. On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX and my ability to get approved.
Product: Debt collection

On XX/XX/2024, you National Account Systems ( a collection agency ) obtained a copy of my XXXX credit report without my written consent or authorization. Pulling a hard inquiry on any individual consumer report without written authorization or consent is a violation of federal law outlined by the Fair Reporting Credit Act ( FCRA ). I do not have a credit facility or collection account on my XXXX report with National Account Systems. I have never seen a collection company pull a credit report on an individual consumer. This is malicious activity and not a common practice. I am requesting National Account Systems remove the hard inquiry and any collection accounts added to the 3 major reporting agencies as a result of this unauthorized hard inquiry. They will not be able to provide any disclosures with my signature authorizing this access to consumer reports such as XXXX, XXXX, or XXXX. 

In XXXX of XXXX  I also submitted 2 complaints to the CFPB regarding collection accounts from National Account Systems. There are violations on how these accounts are reporting to XXXX and XXXX per the FCRA. XXXX and XXXX have continuously reported these accounts wrong and need to be deleted. 

I have attached the letter sent registered mail to National Account Systems dated XX/XX/2024.
Product: Credit card

Disputed an online purchase with TJMAXX my package came and I was missing items but billed for them. Have disputed with data of receiving package. They closed my first dispute saying TJMAXX wont refund me for items not returned? I couldnt believe their response?! Then Im sent info as to the closing of dispute with a picture of another item from the same order that was delivered and that I did not dispute from day one.

I reopened a 2nd dispute for same missing items and Ive been getting nothing but the run around from Syncrony Bank ( which is my TJMAXX CC Bsnk issuer ). There is no tab in site for disputes, you are to do it over phone, which Ive done since XX/XX/28 and have gotten no where. I was charged for the XXXX XXXX XXXX XXXX they were never shipped. Enclosed purchase and pics.
Product: Credit card

I initially opened my new credit card account on XX/XX/XXXX which was followed by correspondence via mail from BoA including all information about the newly opened account. I opened the account for the sole purpose of consolidating my debt by taking advantage of the no APR offer ( until XX/XX/XXXX ), and a balance transfer was requested during the application process. This balance transfer was never carried out by BoA. As I was awaiting the arrival of the card, I was shocked to receive a call from BoA fraud department on XX/XX/XXXX asking whether I had been using the newly opened credit card. I informed the agent that I had not received the credit card yet and was still expecting it based on the previous correspondence. The agent had then immediately closed the credit card and shipped another one to me via XXXX  ( which I received despite XXXX leaving the package on the stoop of my building with access for anyone to grab it ). Additionally, the agent had opened a fraud claim and credited the transactions to my account. I was then shocked to receive a letter couple of weeks later stating that BoA has done an investigation and confirmed that the transactions are legitimate. This claim process has now been repeated several with no resolution for the last two months. I have contacted several vendors from the transaction list on the statement to get any information they had on file for these transactions and found that the credit was indeed in someones possession and was used illegally along with a fake ID. Additionally, it is clear that signatures were not present on all transactions unlike what Bank of America had stated in the claim reports. Provided to Bank of America were several pieces of evidence inclduing police report, USPS inquiry for stolen mail, receipts form vendors who responded to my email correspondences and FTC fraud report.
Product: Credit card or prepaid card

I have a Capital One credit card which advertises no foreign transaction fees. I traveled to XXXX in XX/XX/2019 and made several purchases using this card, charged in XXXX   dollars. The XXXX  dollar is pegged to the USD with a FIXED exchange rate 2:1. Still, my statement shows that all the transactions made in XXXX  dollars were converted to USD applying a markup. 
While the difference may be small, I'm concerned about Capital One applying a markup after clearly stating that there are no foreign transaction fees. I make multiple transactions in foreign currency every year, in currencies with variable exchange rates where markups are much more difficult to spot. 
I was unable to get an explanation on the phone, and Capital One does not have a chat or email address to request an explanation in writing.
Product: Debt collection

On XXXX Bank of America Collections department seized ALL funds in our checking account in the amount of XXXX. We spent over 2 hours, XXXX people, and XXXX disconnections later to get an answer to what this seizure was in reference to. Bank of America stated that this was a seizure of funds for collection of a boat loan debt. The collection attempt is for a Bank of America Loan. There was no judgement, no lawsuit, no certified letter, no letter period that indicated that they would seize my funds. This account holds ALL of our funds. This account has a third party listed on the account and 100 % of wages of this third party. This has caused us to not be able to pay our bills including our rent which is due on XXXX XXXX. If our funds are not put back we will be facing eviction.
Product: Debt collection

XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Payday loan, title loan, or personal loan

I had a consolidated loan with XXXX XXXX XXXX and at the end of the process, the remaining amount owed was transferred to Liberty Lending , LLC at 27 % interest. The payments towards the loan with Liberty Lending began in XX/XX/XXXX. I was in the XXXX XXXX until XX/XX/XXXX and started a civilian job immediately following terminal leave. I was laid off in XXXX of XXXX and requested a forbearance. A 60-day forbearance was granted in XX/XX/XXXX and my first payment was due in XX/XX/XXXX when the forbearance ended. In XX/XX/XXXX, Liberty Lending told me that I was late on my payments and began to charge additional interest and late fees. Payments can only be made via the website. I have paying what I can every month. Today I went to the website and can not make a payment, see my balance, or any other account information. I have called the number on the website several times to no avail. 
Thank you