23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had  XXXX  credit cards with Bank of America, both were Visa cards, one ending in  XXXX  and the other in  XXXX . Both were issued in  XXXX .
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Both credit cards were always in good standing, and were always paid on time. I also never went over the credit limit on either one of my credit cards, and they were used frequently for basic needs, and always paid on time.
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Between XX/XX/XXXX  and XX/XX/XXXX , Bank of America closed both of my credit card accounts without any notification whatsoever. Notifications were sent afterwards, which I received today. I still have a balance on my cards, but can not use any of them. Now, this information will adversely affect my credit which I have been working on rebuilding for years, and  XX/XX/XXXX  accounts will be listed as closed accounts. If I had been given the opportunity to pay off the balance in order to at least keep the accounts open to build " credit history '', as most credit scoring systems consider this an important factor on building credit, I would have paid them off. But the opportunity was not given, nor was any notice given prior to this occurring.
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According to the letter received today, but dated  XX/XX/XXXX , the date the accounts were closed, the decision of closing these accounts was based on " account history, your total relationship with us, current economic trends and a copy of your credit report ''. I have been a Bank of America customer for almost a decade, if this was based on my credit report, a recent negative account was added which was immediately disputed and this particular agency issued a corrective letter to expunge/delete my records from all  XXXX  credit bureaus. The letter is attached to this complaint. This decision was made blindly, without regard to the consumer, me, or every other consumer they have done this to. Now, I have to pay for this decision in the form of bad credit.
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Whether or not this is a violation of the CARD Act, which requires any " significant change '' to the account to be notified 45 days prior to the change, I do n't know nor am I an expert. What I do know, is a large population of us living in this country are struggling to upkeep our credit, and yet, we have yet another financial institution hurting people financially, and hurting their score despite payments being made on time, yet ironically labeling themselves with the name of the country they are supposed to represent : America.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified of an alert to my Experian, XXXX and XXXX credit report of a XXXX XXXX XXXX. I placed in writing all information to support the claim that this information was not of my knowledge. Experian did not take the proper steps to ensure that the information was correct therefore leaving me to be embarrassed, and in distress of this situation. This has caused me to seek medical help for anxiety as it has caused me to be stressed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the information on my credit report regarding XXXX, which I believe is participating in identity theft. XXXX has acquired my Social Security Number and personal details without my consent, constituting a severe violation of my privacy. 

Both XXXX and XXXX are violating permissible purpose regulations by providing my credit report without obtaining written consent from me. According to Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), users must certify a permissible purpose for obtaining a consumer report, and I request that you produce the written consent authorizing the furnishing of my credit report. 

Moreover, I am invoking Section 1681e ( b ) of the FCRA, which mandates consumer reporting agencies to maintain reasonable procedures ensuring the maximum possible accuracy of consumer information provided to third parties. XXXX has already removed this disputed information due to its inability to validate it. 

I hereby request that XXXX promptly conducts a thorough reinvestigation into the accuracy of the disputed information concerning XXXX, in accordance with Section 1681i of the FCRA. I expect the results of this reinvestigation, including the current status of the disputed information, or the removal of the item, within the 30-day period stipulated by the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

on or around 8/17/2022 consumer debit cards were lost/stolen. the consumer contacted chase bank and reported the fraud XXXX new debit cards were ordered and the old ones were canceled. Numerous items were ordered in error ... i.e. 
XXXX atm- {$330.00} dollar charge XXXX. XX/XX/XXXX {$580.00} XXXX. XX/XX/XXXX - {$30.00} XXXX. XXXX {$500.00} XXXX. XX/XX/XXXX - {$500.00} Chase bank utilizes out-of-the-country customer service which limits communication and understanding of everyday life here in the states. The claims were all denied and the verbal reason given was that there were other charges not disputed. consumer advised that many of the charges that were not reported are ones that are automatically deducted from companies that utilize a saved credit card function. I was then told to send in more proof which I did. Not to mention that the charges were not in my area, and the major factor is that my funds are insured by FDIC up to {$250000.00} for instances like this. 
the consumer was turned down a second time without cause. Chase has placed great stress on the business of the client by not protecting the client.
Product: Credit reporting or other personal consumer reports

My charge date on the possession charge is incorrect. It should be XX/XX/2017
Product: Credit reporting or other personal consumer reports

I had a previous CFPB complaint with Net Credit regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. Net credit is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting derogatory on my credit report, for a XXXX balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Product: Debt collection

AROUND XXXX MTHS AGO, A MEDICAL COLLECTION POPPED UP ON MY XXXX & XXXX CREDIT REPORT FROM EXECUTIVE FINANCIAL CO FOR {$10000.00} FOR XXXX XXXX XXXX XXXX. ITS FROM A HOSPITAL IN XXXX, SC. I NEVER LIVED IN OR AROUND XXXX SC. MY BROTHER HAS LIVED THERE OR AROUND THERE AND I BELIEVE HE USED MY NAME THERE...
Product: Debt collection

I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX, TransUnion, and XXXX and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : XXXX PERSONAL LOAN ( ACC NO : XXXX ) and XXXX XXXX XXXX ( ACC NO : XXXX ). I sent a police report to TransUnion but the TransUnion reporting agency did not remove these fraudulent accounts.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.
Product: Debt collection

FIRST FED CREDIT CONTROL, XXXX XXXX XXXX XXXX  this company has reported me as bad debt to the credit bureau with out my knowledge I tried to called them so many times still not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP GETTING THIS ISSUE RESOLVED I'VE BEEN TRYING FOR ALONG TIME AND NOT GETTING ANY SATISFACTION.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
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 presenting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have 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 : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF EDXXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim kf identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.
Product: Credit card

I had a capital one bill that I did not receive and it occurred charges. I paid the bill today however I have over {$290.00}. No one would assist and it is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I extended credit to OneMain Financial on XX/XX/year> and they were supposed to return a service on credit but I was denied the amount of {$22000.00} and then offered the amount of {$5000.00}. Regardless of the reason for being denied, I have the right to credit. I wanted to contact the landing/Underwriting team stating that I conditionally accept your offer upon proof of claim that you have the right to Reject my Application via letter from the Federal Reserve Board and I need to see the factors that went into your decision based on law, public and private. I wanted to send a request of reconsideration. I asked how I can get in touch with the underwriter and was denied that information. 

XXXX XXXX XXXX ( g ) XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, denauld-justin : XXXX Attorney in fact for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are unauthorized fraudulent inquires reporting on my credit report
Product: Credit reporting

Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance.
Product: Debt collection

XX/XX/2023 time XXXX XXXX XXXX XXXX XXXX XXXX, I repeatedly told them that I already made the makeup payment to make them whole. And to stop calling me all times of the day. I also want them to be formal, since that this is a business type setting. If I owe them money and we're talking about money, I want them to use my surname not my first name. First names are friends and people we do not have any disagreements with.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries on my credit report I didnt recognize or did I authorize