23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received several emails ( on XX/XX/22 ) from Bank of America stating I am late with my payment. I physically went into our local Bank of America and let them know I do not have an account with Bank Of America. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} XXXX reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to Bank of America, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.
Product: Credit card

I was speaking to a NFCU representative on XX/XX/year> when an unauthorized transaction came through on my account. I never provided the store merchant my card information. I was speaking on the phone with my banking representative. This information was used to make 5 purchases {$900.00}, {$900.00}, {$900.00}, {$200.00}, {$870.00}. I was told by the banking representative not to worry as the call was being recorded it was clear I was not present to make these purchases or engage in this transaction with this business. 
I received an internal message from NFCU on XX/XX/year> which stated the fraudulent charges posted to my account and to call to dispute the issue. I immediately contacted the bank and let them know that this was a fraudulent charge and I was not engaging in business with this merchant. 

I provided all requested documentation. I was asked to provide the email messages and to go to the website specially and get a chat transcript for validity that the order was never placed /canceled by XXXX directly so that they had something to fight with. 

After providing the information, I received a message this morning stating no error occurred and that the merchant has provided a false signature and pictures of a home that is not mine. 

Im a disgusted with NFCU they are allowing someone to fraudulently use my card information and then provide fraudulent information to avoid returning these funds! This was not a customer-merchant dispute. I never participated or gave them my information for them to charge my card. I want my money back for this fraudulent transaction. I have reached out to the merchants customer service who is stating for me to reach out to my bank because they dont have access to refund me the money after it has already stated it was canceled and refunded it should have been back within 7-14 business and that has not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX NA XX/XX/2022 ; P XXXX XXXX C U XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXXYou are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB CARD XXXX You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Product: Credit card or prepaid card

Applied for and was granted a XXXX XXXX XXXX XXXX in XXXX from XXXX. Initial credit limit was for {$15000.00}. Later in XXXX, I received a letter that my credit limit was decreased from {$15000.00} to {$9600.00}. In XXXX I applied for and was granted another XXXX with a credit limit of {$1000.00}. Two weeks ago, I purchased plane tickets for a holiday trip with no issues. My wife went to use her card and it was declined. When I called XXXX, I was advised that my account was closed and that I would be receiving the reasons in the mail. I was then re-directed to the credit department and was given a huge run around. All they kept saying was you will get a letter. When I told them that I had multiple cards, I was told " Don't worry we will be evaluating that card also. '' I felt belittled and talked down to the whole time, when I told them that I have never missed a payment and always paid the card to zero after use, I was told that that did not matter. I believe that this action was taken because I am of hispanic origin.
Product: Credit reporting or other personal consumer reports

I was not hired for a charge that should not be on my record it stated that I plead guilty to XXXX which according to my lawyer I would only be charged with XXXX XXXX  only and XXXX other chargers would be dropped. XXXX XXXX  is a non-violent crime,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive banked with XXXX pretty much my whole life .First banking experience was XXXX XXXXWhich is own by Chase.Ive had enough of these banks falsely reporting bad credit reportsThe banks has denied my account since I was XXXX was told no due to my poor credit score.And to when I asked why was I denied they would say read the letter.And they would just basically lie.This bank did not due right by me.They closed my account and made up a lie stating that I was rude to they employees.. : ( ( ( I just wanted answers why they was red lining my name and intentionally making a bad credit score and denying me credit that was my minesThe banks do not suppose to deny anyone credit..!!!! Hjr-192 we consume and all debts are paidThis is the our right as consumers.The constitution is for me and not to be takin advantage ofWithout TRUST and FAITH what do we truly have.??? My information was data breached not long ago this is unacceptable.CHASE bank needs to get it together and treat all consumers with respect and be honest to us.Violating my trust is not right at all.Im so grateful for the cfpb because I cried so hard not long ago .Because this is mentally draining.So thank god for companies that helps the consumer..!!!!! Thank you.finally my voice can be heard and never taken advantage of again.Ive been redlined out of all credit outlets and this is so devastating.Ive have tried to reason with this bank and find out whats going on .But this bank repeatedly denied and used my information in regards of not having my permission.Please hold them responsible for what they did The fact that they closedown my bank account is proof I was wronged by this bank.What bank close your account out of no where
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) - 5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$700.00} XXXX XXXX XXXX XXXX. {$3500.00}. XXXX XXXX balance {$3500.00}. XXXX XXXX XXXX XXXX {$3300.00}. XXXX XXXX XXXX {$1200.00}. XXXX XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1000.00} XXXX XXXX XXXX XXXX. {$350.00} XXXX XXXX. {$260.00} XXXX XXXX XXXX. {$0.00} XXXX XXXX XXXX. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided an opt out notice to all three credit reporting agencies XXXX, TransUnion, and XXXX and the information is still being reported. per 15 USC 6802 I have the right to opt out of anything being reported. This is also a violation of my privacy per the privacy act of 1974. These companies stated they would not share my information with any third-party affiliates, and they have. which in itself is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

synchronybank.com synchronybank does retail credit cards i applied for synchronybank car care credit card XXXX times paypalcredit credit card i applied for XXXX  XXXX And all i get is " high risk source of application '' there is no mention of a credit reporting agency i have called there support in the past i get " They know nothing '' " Have no idea. '' " And can not tell me '' What credit agency did they check? i have no idea. they will not tell me. 
How could i fix info in error if they do not say what it is? 
They are unfair and illegally doing credit A check on the internet reveals i am not the only one synchronybank is in violation of THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] please take action against them thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my credit score was XXXX Excellent. I had three derogatory items on the account at that time that I noticed were not mine. I filled a dispute on them. Two days later with Zero changes to my credit report my score dropped XXXX points to XXXX. 

I was told by Equifax that while the items were in dispute they are put on hold and that is calculated in the score. Which if that is the case at the very least my score stays the same or increased until the investigation if finished as they already reflected i a negative way on my current score of XXXX. 

I repeat nothing other than diputing three items has changed on my report since XX/XX/2021 but yet they took me from XXXX to XXXX overnight. 

It appears Equifax is penalizing me for filling a dispute on my report. 

There is no logical or ethical reason for my score to change as all my credit history is Exceptional with Zero balances. Hence the XXXX score prior to today. 

No one at Equifax can explain to me what has changed and or why they are penalizing my account. They state the three items are on hold and under investigation! 

XXXX XXXX says it from the on CLOSED Collection I disputed. But Equifax says is under dispute and nothing has changed on it. For one its Closed so at the very least it stays the same and at best they see it is not mine and remove it. Nothing can change as it is closed. It either stays on my report and my score stays the same XXXX or it comes off and my score goes up. One keeps my score the same the other increases. Not drop it XXXX points overnight.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financiaXXXX institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non- verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

On XX/XX/2022, I made a payment of {$2500.00} from my XXXX XXXX XXXX  checking account via XXXX XXXXXXXX 's online billpay system, to my Marcus by Goldman Sachs XXXX XXXX. 
Payment was made referencing my XXXX XXXX credit card #, and in accordance with the instructions from Marcus XXXX XXXX. Funds have never been applied to my Marcus XXXX XXXX. I called Marcus approximately XX/XX/XXXX and they opened a ticket to search for the payment, but they claimed to have never found it. As of XX/XX/XXXX, the funds are still missing.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to have a public record removed from my credit file. It was removed and then reinserted without given me written notice of this action. This is illegal and i would like to have the record deleted permanently immediately. Notice was not given of its reinsertion so this needs to be deleted.
Product: Credit reporting or other personal consumer reports

During the Covid pandemic I was forced to take FMLA, due to health reasons. Knowing I would not have the funds to make the payment, I tried to be proactive and reached out to XXXX XXXX to make arrangements. XXXX XXXX refused to make arrangements. In XXXXXXXX XXXX XXXX I informed them that as soon as I received my tax return that I could make a huge payment. This would be in an exchange for them refunding the late fee and not reporting me to the credit bureaus. 

Majority of the card was paid off, as promised, and XXXX XXXX removed the late fee. However, the non-payment hit my credit report. I called and spoke with someone at XXXX XXXX and was told they would submit something to the credit bureaus. That was never corrected on my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2, which states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan may go late for any purpose.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that belongs to my son. XXXX is only on my XXXX credit report, and I have XXXX open XXXX XXXX accounts in good standing. XXXX has already admitted to me that my son and I had mixed credit files, and I know that this account belongs to him. Please send me validation on this account belonging to XXXX XXXX XXXX, and not XXXX XXXX XXXX. This account also has inaccurate last active dates. How can a closed account have an active date of XX/XX/year>? 
Please remove this account for the reasons listed above.
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 U.S.C 1681 : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports