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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Target card. I paid the full balance several months in a row. I made the minimum payment on time ; however, the full balance was paid 2 days after the due date. I was charged full interest and no pro-ration applied. Target refunded one month of the interest to me, but refused to refund any of the other months of interest I was charged, despite the full balance being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card that I closed. I called the company and was told the balance was {$4.00}, so I paid it. Several months later, American Express reported me to the credit card company for failure to pay the {$4.00}. I called and they assured me, it was fixed. 

Today, was the THIRD time I have been reported for the same issue that was supposed to have been settled.
Product: Checking or savings account

Closed my savings act and checking account on XX/XX/2021 as if XX/XX/XXXX my checking acct is still open received and check for the remaining amount in my savings still have not received my amount from my checking and Iam being charged A monthly fee when my acct has been closed I have yet to receive my remaining amount for my checking acct, nit sure why one acct is closed and the other is open, I closed both at one time, I need answers and the remaining amount of my money called 4 times and I have not gotten anywhere, spent 2.5 hours on the phone trying to figure things out but no one seems to have the accurate answers for me
Product: Credit card

I postmarked an envelope with a check on Monday XX/XX/XXXX from XXXX, CA to XXXX, TX. XXXX was not posted until Sunday XX/XX/XXXX, a non-business day that was also one day after my payment due date. I found this very unusual and called to request an explanation, but was given none. 
I spoken to customer service agents multiple times over XX/XX/XXXX to XXXX. The company only offered in a deceptive matter to take care it but as I listened to their offer, using deceptive wording, they were only offering to split the late charge with me. That is not acceptable to me. They have refuse any request to file a complaint internally. Ive also been hung up on by agents for requesting assistance to file an internal complaint. There is a consistent pattern where every agent says there is nothing they can do to resolve this or to help me file a complaint. This bank needs to reform.
Product: Checking or savings account

Today, XX/XX/2020 I deposited a check for the amount of XXXX dollars from XXXX XXXX. I deposited the check in the BANK OF AMERICA ATM in XXXX, MA and the funds were coming from a LOCAL bank, XXXX XXXX XXXX, in XXXX MA. I was told by my banking institution BANK OF AMERICA, that the check would be delayed for 6 days until release and no part of the check would be deposited before that day. i asked why that was as this wasnt bank policy before and they told me they just changed their policy and refused to notify any of their patrons for verification and acceptance. Aside from this, they are apparently breaking a federal law which is as follows : According to XXXX, federal regulations require that local funds deposited via an ATM must be made available no later than the second business day after the deposit, as long as the check was deposited on a banking day ( mine was ), and the check was deposited in an ATM owned by the depositors bank ( it was ). Non-local checks can be held for five business days, but not a day longer. 

Again my check was local and deposited into an ATM used by my bank. I tried to resolve this issue with my bank but was unsuccessful
Product: Credit reporting or other personal consumer reports

I recently investigated my Experian credit report and noticed the account listed directly below has a " Potentially Negative '' designation, when it is in good standing, and verified by the credit card company as paid on time. 

XXXX  XXXX XXXX # XXXX Under 15 USC 1681 ( e ) ( b ) Accuracy of report : when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " Potentially Negative '' designation on this account, from my credit report, immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the second attempts made to remove fraudulent items from my credit report. Despite my previous efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. 

Here are the specific details of the situation : Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I expect a prompt and thorough investigation into this matter to rectify the situation. If the issue is not resolved to my satisfaction, I may have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies or legal counsel. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX Balance : {$64.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$64.00} XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$64.00} XXXX  XXXX XXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Its been over 3 years since LVNV is harassing me about {$750.00} that was a result of identity theft, it is erased from all bureau but XXXX, this company needs to be investigated in affiliation to XXXX as many people are victimized by LVNV.
Product: Payday loan, title loan, or personal loan

I have contacted customer service repeatedly over a series of a few months pertaining to a temporary hardship when husband was laid off which affected my income. 
I continued to receive emails, texts, letters, stating that they would reduce my payments substantially to help out. Each time I contacted customer service they would not honor anything that was stated in writing. My account was charged off recently.
Product: Credit card

On XX/XX/year>, I was rewarded XXXX on capital one offer for signing up XXXX. Then On XX/XX/year>, capital one took away my reward without any reason
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. 

XXXXXXXX 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 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: Debt collection

Received a call, first of all was asked to VERIFY IDENTITY WITH SOCIAL SECURITY NUMBER OR OTHER HEAVILY SUSPECT INFORMATION, secondly she was VERY rude after being told I was XXXX and on SSI and that Medicaid should have covered the amount and I would discuss the issue with the debtor themselves, finally, she became very abusive threatening my SSI as ability to pay and saying things like Being XXXX doesnt automatically exclude you from paying and insulting the fact that I am XXXX AFTER being told I was going to contact original debtor to ask why this was sent to collections when I was not informed of the debt or the reasons Medicaid did not cover the services. Very rude and caused me to have XXXX XXXXXXXX afterward due to the stress caused. Luckily I am unharmed but harassing a XXXX person to the point of XXXX is UNACCEPTABLE FROM DEBT COLLECTORS!
Product: Debt collection

I was contacted by a debt collector for  XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.
Product: Credit card

I XXXX DISPUTED AN ACCOUNT WITH DISCOVER THAT WAS ON MY CREDIT REPORT. I FIRST LEARNED ABOUT THE MATTER WHEN I RECEIVED A LETTER FROM AN ATTORNEY 'S OFFICE THREATENING ME WITH A LAWSUIT XXXX ATTORNEY IN XXXX, WA. THEY CLAIMED I OWNED {$7200.00}. I SENT OUT A GOOD FAITH LETTER ( ATTACHED YOU WILL FIND ONE OF THE MANY LETTERS I SENT OUT ) ASKING THEM THAT I AM DISPUTING THE MATTER AND CONTINUOUSLY RECEIVED NONSENSE INFORMATION NOTHING BARING MY SIGNATURE OR INDICATING ON MY CREDIT THE MATTER IS IN DISPUTE INWITH IN THE 30 DAY MARK OF RECIEPT OF MY LETTER. I HAVE MAILED OUT FOLLOW UP LETTERS IN GOOD FAITH INDICATING I HAVE NOT RECEIVED ANY INFORMATION BEARING MY SIGNATURE ON AN AGREEMENT WITH DISCOVER CARD. THEY HAVE VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND PER FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION ( 15 USC 1962e ) I HAVE ASKED THEM NUMEROUS TIMES TO SUMBIT THE INFORMATION OF PEOPLE WHO CLAIM THEY HAVE VERIFIED MY ACCOUNT WITHOUT SENDING ANY PROOF OF BEARING SIGNATURE. THEY ARE CONTINUOUSLY HARASSING ME WITH LEGAL ACTION. PLEASE HELP ME RESOLVE THIS MATTER THEY HAVE VIOLATED THE LAW BY NOT REPORTING ACCURATELY THE ACCOUNT AS DISPUTED WHEN THE FIRST LETTER WAS RECEIVED AS A FORMAL DISPUTE AND HAVE NOT PROVIDED ANY PROOF OF SIGNATURE OF MY AGREEMENT WITH DISCOVER CARD. PLEASE HELP ME I AM SEEKING THEY OMIT THIS BAD DEBT OFF THEIR RECORDS AND OFF MY CREDIT BUREAUS.
Product: Debt collection

I was contacted via text on XX/XX/22 about making payments for a debt that I am unaware of. I texted stop. On XX/XX/22 I was contacted again via text from another number with the exact same message. Again, I texted stop. Upon checking my credit report, I see an account for Fig, but I do not recognize this account. I would like this account deleted immediately, and all contact via phone and text to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX sold or sent the loan to XXXX XXXX XXXX. I was working with XXXX  XXXX XXXX company to consolidate my loans. I spoke with one of XXXX loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX  XXXX and consolidated but the XXXX still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.
Product: Prepaid card

I was sent out a money network card with my Edd benefits the next day it was wiped out by a thief money network has no security for these cards they allowed a random person to call in with no security questions and activate my card through a automative system I can not now pay my bills I risk being evicted money network is telling me to wait 45 days which is unblievable and unaaceptable they are also dying many peoples claims
Product: Prepaid card

Unable to use an AMEX e-gift card that I received. Tried at several retailers. Most in store companies wont accept the card. Cant add to digital wallet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. Experian, XXXX and XXXX is showing different history on XX/XX/2022.
Product: Mortgage

I am in foreclosure. The alleged mortgage and note holder is Bank of America N.A . 
I lost my XXXX in 2008 and employment, from which I have not been able to recover. I have pleaded with Bank of America N.A . through hardship letters, in person with their loss mitigation personnel without success.
Product: Debt collection

Upon trying to get XXXX wireless cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX Also a account for XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX that i did not authorize.
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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXXXXXX Inquired  on XX/XX/2022 ; XXXX Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item still appears on my XXXX  credit report. The source, XXXX & Synchrony Bank ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

XXXX has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-todate info on XXXX Cybersecurity Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XX/XX/XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok first I am a victim of identity theft and I know this started with my XXXX phone account that I opened last XXXX. I tried over and over to get XXXX  to stop the people who hijacked my account. There were things ordered account info changed and thousands of dollars that I had nothing to do with but XXXX did nothing but bill all that fraud activity to me in which we had this laughable arbitration XXXX that I had no chance to win if XXXX was not made to give all the many calls I made to them there fraud department and many more. This took place until I stop paying and my account was closed. Now there are XXXX collections on my account. I am a United States XXXX Veteran who is XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, I cherish this democracy and firmly believe in responsibility, but there is nothing fair about how this is happening to me I found out were one phone that was bought on my account is in XXXX XXXX XXXX with the XXXX until they are done with there investigation. He told me there was no guarantee I will get it back at all but XXXX charged me for that phone it is clear it was stolen but they don't care I'm looking at a derogatory collection that hurts my chances at any credit and being on a set income that hurts. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts nor authorize these that you block this information from my credit report within 4 business days, pursuant 605c of the fair credit reporting act, I am a victim of XXXX XXXX  of debt bondage and would like for the accounts to be blocked and deleted.
Product: Credit card

XXXX credit accounts were overpaid and closed by myself, in mid XX/XX/XXXX, still to this date, no refunds have been received and it is now XX/XX/XXXX. 

{$30.00} and {$100.00} are owed back to me. See attachments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the discovery of fraudulent accounts on my recent credit report. It has come to my attention that these erroneous entries are adversely impacting my creditworthiness and impeding my ability to access credit facilities. Therefore, I kindly request the immediate removal of these accounts from my credit report. 

Attached is a copy of my identification and sworn affidavit to ensure my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.