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

Im the victim of identity theft and I dont recognize the account Nationwide is reporting on my XXXX  and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.
Product: Debt collection

A few months back a was contacted by a company called revco solutions from XXXX Ohio, they said I was in collections for some unpaid deductibles from my Dr. because it was the charges were from over a year ago and Because I had changed insurance companies and 'even though I thought it was wrong.. I paid the debt to avoid any damage to my outstanding credit score. Well a few months later I received a similar letter stating that I owe money again and this time I knew it was bogus!. So I sent the company a certified letter stating this fact and within a month they sent me another letter saying I owed the funds which is completely FALSE. Whats is my next step?
Product: Credit card or prepaid card

Bluebird permanently suspended account without notice and has not refunded me the balance left in the account. They refuse to tell me why they closed it. The only recourse they gave is for me to write a letter to their customer relations division.
Product: Credit reporting or other personal consumer reports

To my disbelief, I discovered this morning that there are accounts on my credit report that shouldnt be there, and Im clueless as to why. I always monitor my report, but suddenly, there are issues Ive never seen before. I refreshed my browser thinking it was a technical issue, but the errors remained. I now ask that my documents be thoroughly reviewed to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

My Barclay Card and XXXX card have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense
Product: Mortgage

I have called Homepoint Financial about my credit report being reported as a debt for XXXX and XXXX when the government stated no credit reports will be affected by late payments of mortgage. They have not fixed the problem and my credit score is still showing the incorrect score and status. I also Forbearance my mortgage and they are sending delinquent notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a 30 day late payment that was inaccurate from Onemain and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit addit
ional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from Onemain and ignoring my dispute all documents enclosed
Product: Debt collection

I filed a ceased letter on XX/XX/XXXX with Midland Credit Management, XXXX and after that letter I keep getting threatening letters, with the most recent on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a XXXX  of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Checking or savings account

In XXXX of this year I tried to close my account at XXXXXXXX XXXX XXXX XXXX XXXX due to fraud. 
I closed all direct debits to this account, but despite this, Citizens Bank has refused to close the account. 
The bank says I currently owe some {$150.00} on the account. 

I would like the account closed and a reversal of these fees.
Product: Credit card

Hello, Thank you for your help. After calling Synchrony in XXXX, tax time, and explaining the money moving issue I was having, I was assured everything was okay. In XXXX, after accepting my payment, multiple charges, another payment, and more charges, Synchrony closed my account. They said it was due to the payment issues I was having in XXXX, even though I was assured everything was fine. I was charged a late fee in XXXX when I was trying to resolve the unexpected account closure. I told Synchrony I would pay for my legal obligations, so they removed the late fee. I paid the {$5.00} that was the remaining balance and yes they accepted XXXX charge in the new billing cycle, then closed my account. They have added a late fee again and refuse to remove it. I told XXXX, XXXX, that I will not pay any further charges beyond my legal obligations for the authorized charge of {$5.00}. He refused to help. SYNCHRONY BANK IS COMMITTING FRAUD AGAINST ME.
Product: Debt collection

Jefferson Capital is garnishing my wages on a debt that they claim is mine. I was not notified of any court dates. I contacted them to get more information. They told me no, that I can go to court of if in want because they have proof of delivery on a summons. This company is a fraud they do this alot. I let them get away with it the first time, but this time I am standing up for my legal rights. They do not serve people and automatically get default judgements because the defendant is never notified of any hearings. This has to stop!
Product: Checking or savings account

I received fraud on my Wells Fargo account over the course of two days totaling {$14000.00} ( XX/XX/XXXX for {$9800.00} and XX/XX/XXXX for {$4900.00} ). While awaiting the fraud department to work on the claim I filled out the account fraud affidavit and had to send it via XXXX because the " enclosed envelope '' was non-existent. I submitted the documentation the day after I got it on XX/XX/XXXX and received a letter today ( XX/XX/XXXX ) that my fraud was declined and that " I sent the money to myself ''. They made this leap because I opened an XXXX XXXX Credit Card back in XX/XX/XXXX and used it exactly 1 time ( there is no history on the account except for that one time {$67.00} payment on my account ). This shows up as a Credit Card ePayment on the account, but the fraud was for XXXX on-Line Bill Pay with an actual account number ( I only have a credit card, no account number with XXXX  ) 8 months later. They claimed that I used the account prior and basically said that the fraud account that I lost my money to must have been the XXXX XXXX Credit Card account ( which has a limit of {$5000.00}, so I couldn't have sent more than that amount even if it was maxed out ), so it was two separate accounts that they deemed matched for whatever reason and didn't even give time for my affidavit to arrive before deeming my life savings as not their problem. I literally proved that the accounts were not the same myself in about 5 minutes and this is all my savings, yet Wells Fargo is doing nothing ( they could have called XXXX and proved this, which they obviously never did either ). Furthermore, Wells Fargo did not ask me to call and have a police report created for the fraud, so I just got one done on my own. Also, the affidavit information has no tracking and they won't provide me with another copy so that I can ensure that they get the information. I have bills due in less than XXXX weeks, and this is the week of XXXX, so I can't buy anything for my family on XXXX XXXX  or XXXX XXXX  now ( I can barely afford my rent now that the account was drained ).
Product: Credit reporting

I went to finish disputing my XXXX disputes and my request timed out while disputing the XXXX account when I came back over I had to then finish my Equifax request, so I had to resubmit a request. Upon trying to get my Equifax all of the information and questions they asked me did not have any accurate answers, some of the questions were right and had the right answers been listed I would n't have selected none of the above. Now I have to submit a paper request for the report before I can even dispute it, this is not fair. I want to be able to submit my driver 's license and proof online, I do not have time to wait 15 days to finish these disputes and all of this craziness. I need it all to be done at one time. That was the point in selecting all three reports. I want to be contacted by Equifax to rectify their obvious misinformation 's. I hate Equifax 's service and I do n't think it should have any effect on my credit, I do n't think anyone should ever even be allowed to pull my credit score from them ever, they obviously are very misinformed and unreliable.After finishing my disputes so they will stop ruining my credit, I fully intend to try and never use their horrible service ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX Credit Bureau, Equifax Information Services on XXXX XXXX and XXXX XXXX regarding late payments on a XXXX XXXX XXXX XXXX account ( XXXX ) opened in XXXX. XXXX and Equifax have updated the late payment from XXXX of XXXX to XXXX of XXXX. XXXX and Equifax has violated my rights, according to Section 110401 of the Heroes Act, it would amend changes the CARES Act made to the Fair Credit Reporting Act ( FCRA ) by adding, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period, with covered period referring to the COVID-19 emergency or any major disaster.
Product: Credit reporting or other personal consumer reports

( Accounts ) XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX-The following personal information is incorrect. The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I met with XXXX XXXX XXXX ID XXXX. She ran my credit via a hard inquiry without my authorization/permission. My credit report has been negatively affected due to this. Please contact the bank and have them remove/reverse the credit inquiry. I have filed a complaint with the bank CASE # XXXX. 

I am completely displeased with the bank and the employees negligence to my personal data and social security # Never do business with citizens bank ever again.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which is a law that governs how consumer credit report records are accessed and protects the accuracy, fairness, and privacy of personal information : My information was exposed in the databreak
Product: Debt collection

I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a XXXX from XXXX. 1 ) original service provider [ XXXX XXXX XXXX ], 2 ) XXXX [ XXXX  ], 3 ) current creditor [ Pendrick Capital Partners LLC ], 4 ) Current collection agency [ XXXX XXXX XXXX, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXX XXXX ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says XXXX will handle the dispute. The fourth, XXXX, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. XXXX rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?
Product: Debt collection

The original creditor and Commonwealth Financial servicces have previously been notified this debt was the result of identity theft.. Commonwealth and the original creditor removed it from my credit report.. The false debt has once agian been put on XXXX, XXXX, XXXX..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit card

I have an account with Prosper it is a credit card. 
I have never been able to easily find the links to pay this card, it typically takes a person to a page for applying and finding out about their products. There are multiple areas that can be logged into instead of just XXXX landing page. 

I kept trying and figured out ( months ago ) that there is a sign in for loans/applications ( prosper.com ) and a separate log in for credit cards ( XXXX ) I keep a record of the site address/link to make my payments due to the confusion and have been using this info for many months. This is inefficient and confusing, however this month something changed. You can only get to the same landing page and it only goes over loans/cards and applying for their services. Every FAQ, help link, help page, article etc. takes you in circles to their same page with absolutely NO link to make a payment. 

I have contacted them, same info. They make it impossible to find a way to pay your bill. And in this day and age this should not be difficult. It is on purpose and they must change their site to be user friendly, easy to find all ways to make payments and in XXXX site.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance XXXX  XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXXXXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Notice of Intent to File a Lawsuit Dear Equifax, This letter serves as notice of my intent to file a lawsuit against you if I do not receive payment of {$10000.00} within 14 days to the above address for the multiple violations of my consumer rights and the immediate removal of the identity theft, inaccuracies and fraudulent information your are reporting on my consumer report. 

Here is a statement of my case that I intend to submit to the court : The Defendant has violated my consumer rights of 15 U.S. Code 1681c2 by steady reporting fraudulent information on my consumer report after being supplied with my FTC report almost two years ago. They are also violating 15 U.S. Code 1681 by reporting inaccurate information on my consumer report when I have stressed to them multiple times to remove the inaccuracies or to show proof that this information was verified, and to show proof that they have my written permission to report any information on my consumer report. This situation has been going on since XX/XX/XXXX. Not to mention I have multiple inquiries listed on my consumer report that was never authorized by me. Those inquiries are listed as : XXXX XXXXXXXX XXXX listed on XX/XX/XXXX, XXXX XXXX XXXX listed on XXXX XXXX, XXXX, XXXX XXXX, XXXX listed on XX/XX/XXXX, XXXX XXXX XXXX listed on XX/XX/XXXX XXXX XXXX  listed XXXX XX/XX/XXXX. Accounts that have not been authorized and legally verified are XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXXXXXX account number XXXX. These are all considered identity theft and fraudulently reporting according to the law and need to be removed immediately. 

Sincerely, XXXX XXXX