23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX 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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, XXXX XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
XXXX XXXXXXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
XXXX XXXXXXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax commanding them to remove/delete inquiries off of my consumers credit report. Equifax has yet to do so. 
Under 15 USC 1681-Permissible Purpose Of Consumer Report.

( a ) In General Subject to Subsection ( c ) any consumer agency reporting agency may furnish a consumer report under the following circumstances and no other : ( b ) in accordance with the written instructions of the consumer to whom it relates. 

I did not give Equifax my written consent to report anything on my consumers credit report. Only I can validate anything on my report.
Product: Credit card or prepaid card

Advertised an XXXX XXXX card on the XXXX app. Contained FAQs to the card 's benefits and rewards system. After using the card, found that rewards were NOT points that could be redeemed for cash back, statement credit, or gift cards. Rewards was ONLY available as credit on the uber and uber eats app. After contacting Barclays, I was told the rewards program was being suspended as of XX/XX/2020 and that I had *actually* applied for the XXXX XXXX card and that because of this all my rewards would be uber credits. I asked if they could do a one time statement credit in light of the misleading advertising and the fact that the rewards card FAQ was still the information being displayed in the XXXX app. They told me because the information was in the fine print of the terms and conditions, they would not grant my request. I now have about {$120.00} in " XXXX dollars '' that I didn't need, and the XXXX rewards points I was expecting to be able to redeem are non existent.
Product: Money transfer, virtual currency, or money service

I am in need a receipt for the wire transfer that I completed over the telephone with SunTrust Bank. I was unable to do the wire transfer in person at any of the SunTrust bank branches near my office because all of the mangers were on vacation and no one was authorized to do a XXXX wire. I had to do my wire transfer over the telephone and after doing the transfer I was instructed that in order to get a receipt the branch that signed me up would need to sign me up to receive notifications. I then called the branch, the branch transfered me to customer servicie and customer service then transfered me back to the branch. The branch manager was extremely rude and stated she could not help me. No one had any information for me. I need a receipt for this wire that shows what account the money went to. My confirmation number is XXXX. The branch was the XXXX XXXX in XXXX Georgia that refused to assit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I found these inaccurate addresses in my credit reports and I did not find my current address included. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of addresses which do not belong to me : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX
Product: Checking or savings account

On XXXX XXXX a bank account was opened on Bank of America the accounts were 2 checking accounts. No money was in the accounts. ON XXXX XXXX I approach to a Bank of America about the accounts and report it as a fraud, the same day i went to my local police station to make a police report XXXX in XXXX XXXX NJ XXXX. The concert from the accounts it was open with my old last name, I legally changed my last name at the Superior court of New Jersey on XX/XX/2019 and the account had my old information where I used to live 7 years ago. I'm in concert due I'm continue to be expose and damage my credit, thanks for your help
Product: Credit card or prepaid card

I am on the active military duty from XXXX XXXX. I and my husband ( XXXX XXXX ) get approved for SCRA benefit for our XXXX platinum cards XXXX and XXXX. The SCAR approved letter clearly stated that our billing for annual membership fee will be waived for the duration of my XXXX XXXX. We both paid the annual fee for XXXX $ on XXXX XXXX and that means this annual fee cover from XXXX XXXX to XXXX XXXX. Since my XXXX XXXX starts in XXXX XXXX, XXXX should refund part of our annual fee based on SCRA act since I join XXXX XXXX on XXXX XXXX, XXXX. I also check with the representative when I submit the SCRA application in XXXX and she told me the annual fee will be refund prorated from my start of XXXX XXXX after SCRA approved. My XXXX XXXX card already waives the part of the annual fee I paid early this year so I do n't pay the annual fee after XXXX XXXX due to SCRA act. I do n't understand why XXXX is handling totally different and refuse to refund half year annual fee when I am on XXXX XXXX based on SCRA. I talked with XXXX representative and they are really not willing to help on this issue and ask me to file the complaint to their corporate office. This is really not the service we expected. Please refund prorated annual fee for me and my spouse ( XXXX XXXX ) for  our XXXX plantium cards according to our SCRA benefits. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.
Product: Credit card

On the XXXX of XXXX they took XXXX payments out for the same amount to pay off my balance. I called them about this and asked them to send back XXXX payment, they said that they couldn't do that and just leave it on the account, I told them that wasn't possible I was not rich. I went to my bank on the XXXX of XXXX to file a complaint ref XXXX XXXXXXXX and asked for XXXX payment only back. The bank did give me only XXXX payment back, see bank statement. I then called on XX/XX/XXXX and spoke to a XXXX at XXXX XXXX which is the bank for XXXX XX/XX/XXXX gas card, I told her what I did and that there was still {$450.00} at their bank to payoff my balance which is what I did every month. She stated that she could not find it and asked me to send her proof, which I did, they still would not fix it. They started to add interest and late fees to my balance and called me on the phone harassing me about my balance. I then told them the story of what happened, they did nothing to fix it. Then they sent me to collections and reported to the credit reporting agencies that I was delinquent and this affected my credit score.I have not been able to get a loan because of their mistake. They later changed it to a charge off and is waiting for it to fall off after XXXX years.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am opting out of any authorization that I XXXX XXXX may have given you written, non written, verbal, non- verbal per 15 USC 6802 This was the notice sent out on the XXXX XXXX XXXX to the XXXX XXXX listed in the report After today date XX/XX/year> if it is not remove you are violating my rights and you are agreeing to XXXX dollars per violation.
Product: Mortgage

The loan servicer, Shellpoint has been charging me late fees each month for several years when payments are made each month before the grace period. I have contacted them numerous times to resolve this. It has never been resolved. I 'm now reaching out to the CFPB for help.
Product: Bank account or service

I wanted to close my checking account with PNC Bank about a month ago due to the fact they were charging me overdraft fees because my online bill pay was deducting bills only hours before my paycheck was deposited, but it was overdrafting my account. This happened a few times before I gave up and decided to switch banks. XXXX weeks ago, I attempted to close my account and they said I could n't because I had pending charges. I 've gone back every week since, and they have said I still have pending charges. Saturday, XXXX, I went in and they told me I had {$1.00} in my account, but I still could not close my account due to a pending charge. Okay, fine. Today, I woke up and I am {$6.00} OVERDRAWN due to a service charge they hit me with this morning, all for going in to speak to a teller about closing my account. When I called and explained why I was upset, their office XXXX suggested I bring the account to a XXXX balance before coming into the branch office tomorrow to again try to close the account, and she said MAYBE they could refund me the service charge. She said if I did n't add money to this stupid account to bring it to a positive balance, I was subject to a {$39.00} dollar overdraft fee -- the entire reason I wanted to close this account in the first place. This bank is literally out for every single cent they can get off of people. I am underemployed, buried in student loan debt, and I work very hard for my money so paying a ridiculous amount in fees and having to give up time every week to go in and attempt to close an account is really bothersome. Oh, and they wo n't refund my fees, because that 's the entire reason I 'm closing my account down. This bank is manipulative, deceitful, and greedy.
Product: Checking or savings account

My husband had me to go to ATM with him and told me he had to go in for me to pull the cash then told bank that he didn't get his money and I found out that he said someone stole it to get money back XX/XX/XXXXand that is wrong ... I XXXX XXXX also found out that hey bank account closed by telling bank he did not give three checks to put in bank but he knew that he did not tell truth.. bank of America has given him the money twice that I know of now.. I didn't know that he was telling lies until now but I'm in middle of it so start spying on him and his bank accounts and found out that I am right. He is doing fraud by checks and also has my account flagged now I can't get a bank and just started my own online XXXX XXXX and need a bank and him to stop stealing money his name is XXXX XXXXXX/XX/XXXXas number XXXX
Product: Credit reporting or other personal consumer reports

my innovis consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit card or prepaid card

i had points on my credit card and i decided to redeem all of my points for gift cards for a total of {$900.00} and it has been three weeks and i have not received my gift cards, i have tried to work it out with Capitol One on numerous occasions and they continually ask for weeks of more time, i am suppose to get call backs from supervisors and i receive no call back, I would appreciate your time and assistance with this matter
Product: Debt collection

XXXX Form No. 1099 Tender of Payment amount in full for debt {$17000.00} tendered in full and refused or declined by Ally and by law the XXXX XXXX XXXX b ] states once tender has been made and declined or refused there is discharge. {$6700.00} for approximate two years of monthly payments, Legal Fees {$5500.00} per day for past 90 days failure to adhere to court orders decrees {$49000.00} and legal fees. XXXX {>= $1,000,000}. Extortion and Threats against a foreign official aka Diplomat ; XXXX XXXX XXXX XXXX, XXXX Issuance to reserve banks, nature of obligation ; redemption aka Tender of Payment. {$17000.00} for 1099c debt discharge identification event code B. Common Law Court Order and Fee Schedule Violation of oath of office XXXX {$250000.00}, Denied Proper Warrants XXXX {$250000.00}, Denied reasonable Defense XXXX {$250000.00}, Defense Evidence Records, claimed not to have Diplomat ; XXXX XXXX XXXX XXXX 's title and appellation on file, was untrue we received letter [ s ] with Ally addressing her appellation and title, Denied Truth in Evidence XXXX {$250000.00}, Slavery Forced Compliance to contracts not held XXXX {$250000.00}, Denied Provisions in The Constitution/Treaties XXXX, Extortion XXXX XXXX {$5000.00}, Mail Threats XXXX {$5000.00}, Fraud XXXX {$10000.00}, Falsification of Documents XXXX.
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 ( XXXX XXXX XXXX  ) 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 XXXX  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 XXXX  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 or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I. C. System Inc. 
XXXX XXXX XXXX XXXX XXXX, Mn XXXX RE : Your Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. XXXX XXXX I XXXX XXXX Creditor to IC System Inc./Debt Collector Stop communicating with me regarding the above-referenced account. I refuse to pay this alleged debt. I don't know IC System. I never had any contracts/master purchase/ bill of sale/ assignment/terms and conditions/promissory note/ no bindings to pay any debts to/with IC System. I do not owe IC System any debts or fees. If IC System is buying paper in an attempt to collect debts from consumers without any written contracts/agreements I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information nor to contact me or publish anything about me.
Product: Bank account or service

I use, because I am offered no option, a debit card managed by PNC Bank for the unemployment compensation I currently receive from the state of Indiana. I have no desire to ever use a debit card. I believe they are intended to facilitate the fleecing of users in as many ways as possible as evidenced by the initial practice of banks to allow users to exceed the available balance only to be charged exorbitant overdraft fees for having exceeded the available balance. There is, apparently, a charge of XXXX cents automatically deducted from my balance should I dare to call the XXXX number listed on the card, even when just to use the automated system to verify I have kept proper track of the balance. When I discovered XXXX cents had been deducted from my balance, I called the number on the card and spoke with an operator. For this I was charged another XXXX cents. I was told, effectively, 'too bad ' when I argued the charge was NOT disclosed on the card where the phone number appears and nor had I been made aware of it at any time in the past. I said this constituted fraud and I asked to speak with a supervisor and was told " no. '' When I did not give up and asked repeatedly to speak with someone in a position of authority, she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I had a bankruptcy that was XXXX XXXX XXXX that finally dropped off my credit report. My score did not increase at all. Credit reporting agency is fraudulent as the removal of a 10 year bankruptcy XX/XX/year> should have increased score XXXX points.
Product: Student loan

My husband forwarded this complaint XX/XX/XXXX, and we have n't heard a word from anyone. I am unable to work, and my husband is a XXXX veteran unable to help me get out of debt with a school loan for our son through AES. He owes over {$70000.00}, and I owe over {$12000.00}. I am also responsible to pay restitution for XXXX charges in XX/XX/XXXX. I served time for the offense, but the courts say I still owe {$200000.00} to the insurance company. With my husband on XXXX, and I am unable to work because of XXXX XXXX, XXXX XXXX injury, and recently XXXX XXXX ; we are struggling to make ends meet. I feel I served my time for a bogus XXXX charge, but we were over matched and a lawyer who basically sold her down the river. The charges stemmed from, what they call, misuse of credit cards. The cards were issued to me when we moved to XXXX Texas to help offset my commute 200 miles a day to work. This was in XX/XX/XXXX, and they terminated me XX/XX/XXXX. The executive who issued me the cards quit and started up his own oil company in Colorado, but we had no way to find him. I think I also took the fall for others taking money from the company. I know of 1 woman who took {$60000.00}, but she quit before they could actually prove anything, or they just wrote it off. This was only 1 person they had suspicions of, there were others. With my health, I do n't know what we can do. We just do n't have a way out ; do you have any suggestions? Thank you for your time and consideration, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reported as open but charged off and closed. It's also reporting 120 days late but closed. It's showing that I'm " past due '' but closed. I've been sending letters for several months and no response.