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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting Experian this past year in regards to the XXXX XXXX XXXX account thats inaccurately listed on my report. They refused to properly investigate and verify the account. Every time I ask them to investigate the account and request validation of debt, they dont comply and state the account is verified without the requested information and answers to my questions. Ive asked for specific information such as how was this verified, with whom did you speak with, when did it take place and so forth. Ive sent a bureau investigation letter, a follow up letter, a letter indicating that my consumer rights are being violated, a method of verification letter, and so on. I sent certified mails which was received on XX/XX/2022 and XX/XX/2022 and they have verified and/or updated without substantial proof. They dont answer my questions and/or comply out of all the times Ive contacted them . I have not received any proof of debt or document signed by me that validates the debt and its been over 90 days. Laws in 15 USC 1692 have been violated by this companys action. In addition to this account being falsely reported, Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sharing without concent : In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy.

15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions.

( 3 separate accounts ) from XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to disclose the Late payment deadline required to be disclosed.
Product: Credit card

In XXXX of 2023 I submitted a credit card payment to my Citi Costco Credit card. Citi stated that the payments bounced as their were insufficient funds in the account. I reviewed the transactions with my personal bank. My personal bank determined not only did a payment clear, but that Citi Bank returned the payment AFTER they incorrectly closed my account. The printouts of my checking account statements with highlighted information was obtained and documented. 

I called Citibanks Credit Card customer service line multiple times. I was able to get a few notes onto my account and a review of my complaint. I was denied twice. I eventually was transferred to a supervisor. They advised me to mail in supporting documents to Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. Documents were mailed out twice, once in XXXX and XXXX as I didn't received a response. It is now XXXX and I've yet to have a final review of my dispute. 

This negligent action by Citibank has affected my credit as it ruined my overall credit, credit history, and good account history subsequently lowering my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.
Product: Checking or savings account

Hello My name is XXXX XXXX I recently purchased some ink for a printer of the XXXX marketplace, I paid using XXXX through my wells fargo bank account. I sent the seller XXXX dollars the seller never sent the product and he sent me a bogus shipping number. After this happend i called wells fargo to open a case, I was informed that they dont protect you if you use XXXX through wells fargo. I researched what could be done and found you guys i attached a zip file with the full conversation between me and the seller i had to take screen shots of the conversation as i had no other way of sending the conversation but it should be in order. The Reference number of the XXXX transaction i did through wells fargo was # XXXX. This was a tranfer to XXXX on XX/XX/18. This seller was also trying to get me to send some crazy amount of money for shipping that i didnt send it was clearly a scam but im hoping you guys can contact wells fargo and do something about this.
Product: Credit reporting

My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement.
Product: Bank account or service

Started a request to consolidate credit cards beginning of XXXX 2016. Two months and about {$1000.00}. later which includes about {$100.00} in fax fees we give up. Nothing but request upon request for money and paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 
Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years , or both.

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.
Product: Checking or savings account

XX/XX/2020 : I had submitted a claim with Bank of America due to my debit card being stolen and {$1200.00} of fraudulent charges were being posted to my account. They ensured me that this would be handled with importance. I believed them as I have NEVER had to file a claim with them prior to this incident occurring. 

XX/XX/2020 : I called in to get an updated status of the claim. I spoke with a gentleman out of Tennessee whom stated that he had put my claim in for a hardship, thanks to the crisis going on in the world, and he stated that my account should be credited by Friday, XXXX XXXX. I thanked him for handling my situation and waited, again. 

XX/XX/2020 : XXXX XXXX I received an email stating that all transactions were authorized and posted correctly which absolute insanity. I have since been on the phone with now 3 different people. The first lady stated that she could send me over to the claims dept to have my claim reopened. This is after I sat on hold for approx 1 hour. I finally was able to reach someone in the claims dept whom stated that it was closed and that if i had any evidence on new charges she could reopen the claim but until i did, she couldnt do anything about it as they dont see any fraud. I asked to speak with a supervisor and she refused to send me to a supervisor stating that a supervisor cant do anything regarding the situation. I'm currently on hold waiting for a different person. I'm highly upset about this. I do NOT make large purchases as it is off of this account ( one fraud purchase was for {$870.00} ) and am ready to pull my account from them. They do not take loyalty to their customers seriously. 

I should not have to lose almost {$1300.00} due to their negligence on protecting their customers.
Product: Debt collection

Last month, I received a notification from XXXX that there was a debt collection agency indicated on my account, which significantly decreased my credit score. There was no prior notification of any kind sent to me in writing, by email, or by phone by any debtor. I called the collection agency, but they were unable to give me any information, as I have no account number to give them as a reference, since I never opened this account. They were unable to match my name with the amount reportedly owed on my credit report as well. The crediting reporting agency does not reveal the full account number. Upon disputing the item with XXXX twice, I learned that the item originated from XXXX, with whom I have not opened an account. This item has to be either fraudulent or placed on my account in error. Upon further investigation, I also noticed that an unauthorized inquiry was placed on my account last year in XX/XX/2020 from XXXX. I havent had any luck getting any information from the collection agency of any kind to document my authorization of any opened account. Furthermore, there are no documents ( contracts, letters, bills ) of any kind for me to attach because I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$1000.00} cash into an ATM machine at Chase Bank. This machine was inside the bank. It was a new machine. It felt safe. But the machine malfunctioned and my deposit didnt get recorded. A little suspicious I would have to say. But I thought the bank management would take care of this quickly.Well they did not handle it well at all. They treated it very lightly. The manager didnt even come over and talk to me. Another employee wanted me to fill out a form so they could take 10 days to look into it. They didnt even shut down the ATM machine even though it kept my money. They kept allowing other customers to use it. They were just trying to get me to leave the bank without My cash or a record of having deposited it. I had to call the police before they would even explain the protocol and tell me they would have my money back by tomorrow which would have been XX/XX/XXXX. However, its XX/XX/XXXX and they still havent found my money. Supposedly they were going to check the machine before opening on XX/XX/XXXX but now they are not telling me if they found my money. Its being handled very very very suspiciously. With no assurance to me that I will ever see my thousand dollars. Even if I do., Its being handled so badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have asked both XXXX and Elan Financial to remove these fraudulent inquires to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment and it was late a few days. I immediately called to resolve and they said it would not be reported and even reversed the charges, They still reported and on some of my credit accounts have as a missing payment, which is incorrect because I resolved. I have called several times and they said it should have been removed.
Product: Debt collection

Bloomingdales needs to delete and remove this fraudulent account immediately from my XXXX credit report. I did not authorize this account.
Product: Checking or savings account

I have a checking account with Marcus Bank by Goldman Sachs ( www.marcus.com ). I want to transfer money from Marcus to an external account that has already been linked and verified. I received an email asking me to contact Marcus customer service and was not provided any explanation or reason. It turns out my transaction did not go through, and a hold was put on my account, but no reason was provided to me. I've provided all the information to establish my identity, including my social security number, bank secret word, and date of birth.

I have tried to call them three times starting XX/XX/XXXX. Each time, they want to verify my identity by sending a one-time passcode to my phone. But apparently, Marcus can not send texts to " ported numbers ''. So they can not verify my identity via phone. They said they could not verify my identity via the consumer report agency because I have a California driver 's license. They say they will not send an email to the address on the account. On each occasion, they said someone would call me. Almost a week later, I have had no calls from anyone and there is no way to escalate the issue. I require my funds to be transferred for an urgent business transaction. Without those funds, I stand to incur a significant financial loss. There is no other contact available to escalate the issue for speedy resolution. I need help.
Product: Checking or savings account

I opened an Bank Acount on WELLS FARGOS. I deposited my check and my wife check from work at the same time. we both use a different name for work. so the check does not show my account name on It. For several weeks i didnt have any trouble doing It. The bank hold them for a couple days to review the checks and then make the funds available. It was not a mayor problem for me that they delayed the availability of my funds. On XX/XX/year> i deposited both checks for {$740.00} on XXXX XXXX name and {$560.00} from XXXX XXXX, my wife, like usual. The Bank hold the funds, but this time, instead release It, my account got blocked and closed. I went to the bank with my wife to solve the matter. We talked to them, show them ours IDs, checks and paystuf, but they did not Accept It because they want us to show a passport too. I told them that i got XXXX names, the one for my working documents is XXXX XXXX so is the name on check but my name on the bank Account is XXXX XXXX despite show them my photo XXXX, on XX/XX/year> I got a letter from Wells Fargos bank to inform me that i do not entitled to that funds. It said they will close my bank Account. and they will mail me a check with the remaining balance was {$1300.00}. Even though these remaining balance they sent me a check for only {$27.00}
Product: Credit reporting or other personal consumer reports

I disagree with the results from previous dispute I request Disclosures from TransUnion and XXXX being that TransUnionXXXX XXXX informed me the accounts were verified and accurate disputes are now considered closed. I demand disclosures, a written letter informing me the consumer XXXX XXXX who did they speak with to verify the validity of these accounts, what time did they speak, what information was given to confirm the accuracy and validity of these accounts, and what representative did they speak wit, what is his/her name. TransUnion and XXXX is criminally obligated They are affably obligated for twofold the measure of the money charge as per 15 U.S Code 1640 15 US CODE 1681n- Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Debt collection

I had contacted Midland Credit Management to provide proof of the alleged debt and they did not send it to me at my residential address in XXXX. I am an expat and want proof of the debt and they never provided it after multiple attempts to retrieve it.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX NOT PROVIDED XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX are reporting to my XXXX & XXXX credit report as collection debt. This debt is not mines, & I do not know where it came from.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.