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

I want reported accounts removed XXXX XXXX  ( {$4800.00} ) and ( {$1100.00} ) with transunion and experian XXXX XXXX {$750.00} with equifax XXXX XXXX XXXX  {$250.00} all 3 bureaus i have sent multiple disputes
Product: Credit card or prepaid card

In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX  breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX   XXXX XXXX XXXX XXXX 

I later received a letter from XXXX  saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX  stating the same as above we tried to contact you at the info on your report. 

I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX   has no corporate complaint facility. 

All I want is for XXXX  to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX  is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

BankruptcyXXXX XXXXXXXX BankruptcyXXXX  XXXX XXXXXXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.
Product: Credit card

A company called THD/CBNA is reporting a charged off account on my credit file. I have disputed this information ( specifically with XXXX ) and the company claims the information is accurate. I have never had an account with this company, If the company purchased this account from another lender, then the original delinquency is over XXXX years old and should be removed. The company has provided nothing in writing to show the details of this account. I have requested an account statement but have yet to receive anything.
Product: Debt collection

CBE group XXXX XXXX XXXX XXXXXXXX XXXX, IA XXXX Account XXXX Number XXXX They have tried to access my bank account with out a court order. 
I had sent them a letter of declaration of proverty. 
I will contact my free lawyer to see what can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union THIS IS NOT MY ACCOUNT XXXX XXXX XXXX. If you have documentation showing it's accurate and verified please provide me with that because I filed and submitted to you police report and identity theft report. PLEASE REMOVE.
Product: Checking or savings account

on XX/XX/XXXX i made an in person deposit at truist bank on XX/XX/XXXX i received a receipt stating my funds will be available on XX/XX/XXXX on XX/XX/XXXX a letter was sent out claiming my account was restricted this letter i had not received at the business until XX/XX/XXXX i made several calls all of which were recorded for legal purposes to truist and everyone in the call center even the supervisors and saying they don't have any information and cant forward me to anyone with any information. so i did research into the matter and found out on XX/XX/XXXX the restriction was placed. meaning without calling to verify the deposit or attempting to check the validity of the check they restricted my account just because i made the deposit. on XX/XX/XXXX i was informed that the FULL amount of the check had been deducted from the account of the clients who paid the business. on XX/XX/XXXX i called to research what the hold up was again only to be informed that it was a review on the ACCOUNT and not The Deposit?? but the deposit Triggered The Review so i didn't press further just called my lawyer to ensure he was at the ready for legal action if we need to take that course of action. on XX/XX/XXXX i re spoke with my client and he tells me that they were called not once but TWICE by truist bank to verify the Deposit was made out to my company to which he let them know it WAS. I then with my lawyer combed thru truist banks policies and every pdf they have available and no where do they state this is a possibility then i researched similar situations to find out this is an ONGOING thing with this bank its predatory and unlawful and has been going on for YEARS. people are making legitimate deposits getting their funds held over the availability date by a review triggered by their system the day of or after the deposit before anyone has even had a chance to REVIEW the check i opted for paperless bills and notification but they purposely MAILED this to me so i would be NONE the Wiser Until i received it on XX/XX/XXXX which is a full 6 days after! if verification of funds and legitmacy of payments was priority it takes nothing but a call to the maker WHICH THEY HAVE DONE and currently even tho my online account states my funds will be released on XX/XX/XXXX It did not happen nor can i use my account for ANYTHING at all as it is STILL Restricted tho i have Recorded calls with Different departments and supervisors telling me otherwise!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim against Experian with the attorney general office case number XXXX. This case is in regards to XXXX account # XXXX. For monetary relief from your agency for continuing to report this account verified with no bases or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3300.00} ) 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Discover bank account # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite multiple requests for correction, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Additionally XXXX and XXXX reflect that all payments on this account were made on time, with no late payments reported. However, Experian continues to indicate that there were late payments on this account. This inconsistency is adversely affecting my credit standing, as Experian is the only bureau reporting a negative payment history on this account. 
I am entitled to have inaccurate information removed from my credit report. Given that both XXXX and XXXX have confirmed that my payments were made on time, I request that Experian align my report to accurately reflect my positive payment history. Please investigate this matter and update my report to remove the erroneous late payment status. 

XXXX. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 


I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Product: Credit card or prepaid card

My barclays jetblue credit card issues convenience checks on a regular basis. I have never written or used a convenience check associated with my barclays jetblue credit card. 

On XX/XX/2022, there were 2 charges posted to my credit card account for {$10000.00} and {$300.00}. On XX/XX/2022, another charge for {$500.00} was posted. On XX/XX/2022, another charge for {$2000.00} was posted. I rarely use this credit card so I didn't find out about these charges until checking my account sometime in early XXXX. Once I saw these fraudulent charges post, I called jetblue. At the time of this phone call, they removed the charges and reported the charges as fradulent. 

On XX/XX/XXXX, all XXXX of the above charges were reposted to my credit card. I received a letter in the mail from barclays, stating that barclays posted these charges back to my account because after they looked into it, the convenience checks were written to my name and barclays found the charges as valid. 

After receiving this letter, i called barclays on XX/XX/2022 to appeal this decision and they said they were going to reinvestigate these charges. They communicated to me that the investigation could take up to 14 days to be completed. After this phone call, i called to follow up on the investigation on XX/XX/2022 and the investigations department communicated to me that the investigation was still ongoing and they hadn't come to a decision yet. 

I called barclays back today XX/XX/2022 to follow up on the investigation and the representative notified me that the investigation was complete and that the charges were found as valid because the convenience checks associated with my credit card were written to the cardholder 's name. I asked the representative to speak with a manager to speak about this further and he notified me that in order to speak with a manager, the manager would have to call me back and this would happen within 1-5 business days. 

I am writing to the CFPB because there has not been a resolution reached in my direct communication with Barclays. As of right now, the current balance on my credit card is {$13000.00}. There have been late fees and interest charges added on top of the 4 charges listed above. I did not write the convenience checks for the above listed amounts that have been posted to my account. Barclays has not been able to provide me with proof of the checks, where the checks were deposited, and what signature was used to sign the checks. My credit score has dropped and I imagine will continue to drop as barclays reports late payments and accrued fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/NAVIENT XXXX not mine DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized CERTIFIED XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized FACTUAL DATA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian Lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the account was verified. 
Please release proof or quickly delete it. 

XXXX of XXXX. I have also submitted XXXX XXXX XXXX. I have submitted letters to Experian only to be met with the letters being accurate with no thorough investigation. No proof of investigation and no details as to how they contacted the reporting creditors to verify my information. Based upon the CFPB lawsuit against Experian, this is a violation. The company wrote me back stating that the information was verfied from mailing, calling and online dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 my 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 XX/XX/year> 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  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX : {$13000.00}
Product: Credit card

XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate my XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am XXXX and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to explain this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my XXXX that i worked so hard for and now i cant buy a house because of how they misled me into a trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you as I have found recently in my XXXX & Equifax credit reports fraudulent accounts and inquiries. Please help me to remove those accounts and inquiries from my credit report as I'm a victim of identity theft. 

These are the accounts XXXX XXXX - XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the Inquiries XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching also my ID , SSN and FTC report.
Product: Mortgage

I need to know from Nationstar Mortgage LLC d/b/a Mr. Cooper that when are they going to send an appraiser for my property? and when will you remove PMI from my Mortgage payment? 

I can not afford the pre pandemic payments i was making, so when are you going to do a modification? 

And it seems you have done another mistake, just recently sent me a letter which states this - " As you know, our firm represent XXXX XXXX XXXX  ( " XXXX '' ), successor by merger to XXXX XXXX XXXX XXXX XXXX, the mortgage loan servicer of your loan referenced above '' Who is " XXXX XXXX XXXXXXXX ( " XXXX '' ) '' and who is " XXXX XXXX XXXX, XXXX '' My Mortgage servicer is Mr. Cooper. What is this nonsense letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.