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

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding the late opening of my account with your company. 
I initiated the process of opening an account with your organization. However, despite the assurance of a timely response, I regret to inform you that my account was opened later than the agreed-upon timeframe. This delay has caused inconvenience and frustration on my end. 

I understand that unforeseen circumstances may arise, leading to delays in processing applications. However, the lack of communication regarding the delay has exacerbated the situation. A transparent and timely update on the status of my account would have been appreciated, allowing me to plan accordingly. 

I request that you investigate the reasons behind the delay in opening my account and take appropriate measures to ensure that such delays do not occur in the future. Moreover, I am seeking assurance that my account is now fully operational and that all necessary corrections have been made. 

Timely and efficient customer service is crucial for establishing trust and satisfaction among your clientele. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX Balance : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordane with the fair credit reporting act convergent account CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX FNBK XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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.

Also the credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am disputing a debt that has been reported by a collection agency for my XXXX credit card account for {$870.00}. I have requested validation of the debt, but the collection agency has failed to provide the required documentation. Additionally, I do not believe the debt is mine, as I have no record of owing this amount or any activity on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE IMMEDIATELY!!!!
Product: Credit card

My in-laws ( XXXX & XXXX XXXX ) used to live in the house that I live in now. they had a Discover Card for many years. My father in law died 6 years ago and my mother in law 3 years ago. In the past 2 years, we have gotten 6 or 7 credit card solicitations addressed to XXXX XXXX Deceased.I have the latest one here and unopened. I also took pictures of 2 others. I have called every time that I get one and they say that they have fixed the problem but we keep on receiving them. My wife is starting to get upset with the constant reminder that her Mother ( XXXX ) is deceased. Can you help?
Product: Debt collection

I was told that I would receive compensation for an NFCU credit card account that I  settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.
Product: Mortgage

I received my Seterus monthly mortgage statement dated XX/XX/2016 for my upcoming payment due on XX/XX/XXXX. My XX/XX/XXXX payment reached Seterus on XX/XX/XXXX, well within the 15 day grace period. My account statement reads that I have a past due amount of {$1500.00} which is inaccurate. When I called and spoke with a Seterus representative I was told that my XX/XX/XXXX payment was received on XX/XX/XXXX and my next payment is not due until XX/XX/XXXX. Having a " Past Due Payment '' appearing on my account statement when it is inaccurate reporting could potentially damage my credit standing with another lender if I am asked to present a copy of my mortgage statement as proof for other borrowing. If Seterus wishes to consolidate their monthly mailings into one then their statements must be accurate. Creating the statement on the XXXX of the month, the day after the grace period ends would be somewhat better than writing " Past Due Payment '' when it is not. To do otherwise is misleading and it feels like extortion. In XX/XX/XXXX I received a phone call from Seterus concerning payment and the representative said it was routine to call borrowers who are late making their payments. According to the contract my payments are not late if they are received on or before the XXXX of the month. If Seterus is attempting to circumvent the 15 day grace period on my mortgage or any mortgage this type of strong arm scare tactics of tarnishing one 's credit needs to stop.
Product: Debt collection

I have disputed the items many times from Lvnv funding Llc trying to collect I debt not owed by me as well as portfolio recovery XXXX to furnish the original documents I which I allegedly signed a contract with that company for credit or a line of credit or anything of that nature and they have not responded with any such document because there is none. I have had both items previously removed from my report to have them come back and ruin my credit after being off my report for XXXX to XXXX XXXX. They are reporting fraudulent accounts and I would like to find out if I can sue them as well as the reporting agencies that report this foolishness
Product: Credit card or prepaid card

I have been a with SYNCB/XXXX customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Money transfer, virtual currency, or money service

Made a wire transfer on XXXX XXXX to the company funds still not available in the account I have with them. Only automated responses from customer service last one was on XXXX XXXX. Asked my bank to initiate a wire recall but they cant get in touch with the company either. Would like the funds either in my account with them or reversed to my bank account as soon as possible. Case number with the company is XXXX.
Product: Credit reporting or other personal consumer reports

Capital One continues reporting a late payment, depite me asking them to provide proof of sdaid late payment. I have disputed this with Capital one and XXXX and XXXX has simply updated my consumer report and " updated '' the account meanwhile this derrogative and innacurate information continues blemishing my reputation. In accordance with 15 U.S.C. 1681 ( b ) of the FCRA, I have not provided written permission for Capital One to furnish inaccurate information about my creditworthiness.
Product: Credit card

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently incarcerated from XXXX of XXXX until XXXX of XXXX. When I was first incarcerated I had a XXXX balance on this account. Upon being released from my incarceration my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my incarceration and somebody had assumed my identity during this period ; additionally, I provided the company with proof of incarceration and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship.
Product: Payday loan, title loan, or personal loan

I receive a call weekly from tower loan in XXXX  stating that I am two payments behind on my account which is not true because I make payments bi-weekly. The company has gone to the point to use my social security number to find out my new place of employment and harass me at work. I work in a XXXX XXXX XXXX and currently am XXXX XXXX XXXX. When I asked them not to call my job I get remarks of " well if you answer your phone we wouldn't have to ''. I did not give them permission to call my job or anyone else. They harass all day everyday but then send letters asking would you like to borrow more money. I have spoke with several different agents XXXX, XXXX, XXXX, and today XXXX whom was extremely rude. They do not communicate with each other at all. One will call one day asking when a payment will be made. You give them a date and then less than 3 days later they call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Barclays had closed all my credit card products without warning or a phone call. No reason was provided for the closure except a letter describing that the 2 accounts were closed. One account was newly opened and I had just paid the annual fee for the card ( XXXX XXXX XXXX XXXX ),  meanwhile the other card was for the XXXX XXXX card which I had for longer than a year 's time and had used often. I also had recently paid the annual fee on the card.
Product: Credit card or prepaid card

I paid off my account in full in XXXX and canceled my card because a political organization kept putting {$50.00} donations that should have stopped in XXXX and the credit card company said they would stop putting them on my card on XX/XX/2021 but didn't. 
I am still getting {$50.00} put on every month by the credit card company even here in XXXX after my account was closed in XXXX. 
I contacted the political organization in XXXX or XXXX but they had no record of my account so they said they could not stop the charges. 
Why is the credit card company harassing me after all these months. I am a XXXX year old former retired XXXX with XXXX XXXX and XXXX XXXX XXXX and I feel like I am going to have a XXXX or XXXX XXXX  every month when the credit card company sends me another email saying I owe them money. I owe nobody anything and have paid every bill I ever made. I was a loyal customer for 20 years and they treat me like a deadbeat trying to beat them out of {$50.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Credit card

Apparently this accounts but was open last year without my knowledge. I contacted them download the app the balance was max out. They investigate figure my account could not be verified. They sent me a statement that account would be closed. That was in XXXX of this year. I have the letter attached. So I stop making payments figure they figured it out. But then I started getting email saying I behind on payments. So I made {$100.00} paymen again so it wouldnt ruin my credit. I even disputed this with the credit bureau. I have not sign anything with this account or approved anything with my signature. Now my credit got hit still with delinquent even when ai been paying on a credit card thats is fraudulent open. Im
Product: Debt collection

These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.
Product: Credit card or prepaid card

Doctors promotes 0 % interest finance on XXXX, in this case, XXXX XXXX.  They tell you it will be 0 % for over 2 years 24 months. What they dont tell you is that is a deferred interest financing. The financing Company, post a minimum payment that should be made, a lot less if than the required amount to be cover ( assuming all 24 payments are made ) misleading the borrower to miss the promotional deadline at a 29 % interest rate. Its out of this world that you borrow XXXX and end up paying XXXX just on interest.
Product: Debt collection

Reported the incorrect debt to XXXX ( XXXX XXXX ) on XX/XX/XXXX. Spoke to a service rep and answered all information required. She told me that the debt was originated from someone and/or service on XXXX XXXX XXXX XXXX, TN on account num ber XXXX. I told her that i had always lived in XXXX XXXX XXXX and never been on TN. She mentioned that this looks like a typical ID theft and opened a dispute case for me. XXXX XXXX ( XXXX ) fraud dispute case number XXXX. Initially discovered the issue when looking to my credit report on XXXX where i opened a dispute on report number XXXX. 

The debt was reported to the Credit Burreau by I C Systems INC on XX/XX/XXXX account number XXXX for the amount of {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

United Collection Bureau This Company is stating that I have a out standing balance that is inaccurate and will need to undergo a recalculation immediately the current debt owed is incorrect
Product: Credit reporting or other personal consumer reports

There is an Inquiry from a company called XXXX and I have not applied for anything with this company. I believe my information was stolen and utilized for the purpose of credit usage. I don't even know what the company XXXX represents. I have no knowledge of them whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with one main two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.
Product: Debt collection

I requested an itemization of original debt, to include sales deduct unction of vehicle
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX , has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I wired XXXX dollars to a scammer to XXXX  XXXX  XXXX but I realized it was a scam a few hours later. Called key bank customer service and they said the money is in transit because it was international, it took a day to get there. I was told it had been taking care of, no worry and next time be careful. In reality the customer service did not take action to inform their XXXX  XXXX  XXXX or any bank departments to coordinate this matter. All they did was froze my domestic KeyBank account and put a note on it, I was told I did not need to do anything. Days gone by, About 2-3 weeks later finally I was told the money was gone when I went to the branch where I wired the money to ask. 

On the receipt the fund would not be ready to withdrawal before XX/XX/XXXX. 7 days holding period ( please see the attached file 1 ) Key bank was informed the transfer only a few hours ( XXXX starts the wire, before XXXX reported the case ), key bank did not make any effort to protect me as a customer, they claim money is out their door it is not their business so they do not have to do anything. 

I wrote formal complaint to KeyBank Corp, and tried to contact them many times. their answer was not their problem after the money is out their door 30 minutes.