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

I received an alert from Experian that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXX. I filed a dispute with Experian but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with Experian but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. 

This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. 
Please help!
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 : Acccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

Credit Corp reported various account that they claimed I owe as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Product: Debt collection

I've contacted them on their website multiple times in the past month. I do not owe any debt except for my mortgage. They need to stop calling me. They have been calling the past 6 or months ; it's ridiculous. 

XXXX XXXX XXXX Harris and Harris of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, Illinois XXXX
Product: Checking or savings account

Back in XX/XX/2021 my Account was closed at Citibank they never contacted me to let me know of any supious activity on my account. We XX/XX/2021 the account was closed and they say it would take if to 30 to 60 days to receive my remaining balance after closing the account which is XXXX. I called in XXXX to see if they mailed the check and they say yes back in XX/XX/2021. Now I have not received the Check. I called to see if it was returned cashed or just returned..why did I ask that..the rep asked me to verify my address phone number d.o.b everything for her to put me on hold for 40 minutes for her to tell me to call back wen I can verify my address..what??. I have been dealing with this matter since XXXX. I've lost everything behind this Citibank and they act like they don't care..I just want my money and try to get my life back..please help.I called today XX/XX/2021 and I'm still getting the run around. They say they sent 2nd check but nobody at Citibank that I've talked too can tell me anything..I 'm tired of dealing with these people I feel they are XXXX me and trying to keep my money..I don't know please I just want my money. Its been too long for an account to be closed since XXXX and here it is XXXX and I have not received anything. Its like if I don't contact them about my money then they won't reach out to me and let me know something..I asked them was there a tracking number the rep says no. I ask can y'all XXXX the check the rep says no. But they XXXX me a debit card wen they blocked my old card. I'm really thinking I need an attorney cause this just don't make since..ill never ever use or recommend Citibank to anyone.. I just want my money ... they told me that they were sending a letter to explain about my check I haven't received nothing. They won't let me speak to a manager or supervisor.. They speak in a language I don't understand.they hang up on me many times.. This frustrating.CPS has taken my kids..I lost my job. I lost my car. I've lost everything behind this bank and still have not received a dime if my own hard earned money..and all they can say is " Oh I'm so sorry to hear that.. '' But unfortunately you have to call back ... I'm like for what I'm on the phone with you now..and just like that the phone hangs up and here u go again crying yelling screaming cause u can't get any any help. I don't have any documents to send. They haven't contacted me for nothing..if I didn't call them they wouldn't contact me..
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Product: Credit card

To Whom It May Concern, I am writing to formally dispute an incorrect charge on my account regarding a duplicate balance transfer that occurred between XXXX XXXX  and Barclays Bank in XXXX and XX/XX/XXXX. Below is a timeline of the events : XX/XX/XXXX I opened a XXXX XXXX  account to complete a balance transfer of {$4100.00}. 

XX/XX/XXXX A second balance transfer of {$3800.00} was posted, overpaying my Barclays account by {$4100.00}. 

I immediately contacted both banks, but was informed that the transfer could not be canceled as it had already posted. 

Barclays refunded me {$4000.00} via check, which I deposited and subsequently used to pay XXXX XXXX  on XX/XX/XXXX. 

Using my tax refund, I fully paid off my XXXX XXXX  balance, reducing it to {$0.00}. 

XX/XX/XXXX Upon logging into my Barclays account, I noticed a new charge of {$4200.00}, which I do not owe. 

Barclays informed me that a check was cashed, and I needed to contact XXXX XXXX. However, XXXX XXXX  has no record of an outstanding balance or overpayment. 

At this time, I am being incorrectly charged for a balance that I have already paid. 

I request an immediate investigation and correction of this issue. Please provide me with a written response within 30 days, confirming the resolution. 

I appreciate your prompt attention to this matter. You can contact me at XXXX or at XXXX XXXX
Product: Debt collection

I SEEN THIS NEGATIVE ACCOUNT ON MY REPORT AND SENT LVNV FUNDING LLC A LETTER ON XXXX XXXX ABOUT THIS ALLEGED DEBT THEY SAY THAT I OWE OF XXXX $ .I HAVE ATTACHED MY LETTER TO THIS COMPLAINT.
Product: Mortgage

I was told by XXXX XXXXXXXX XXXX on XX/XX/XXXX that I had Key factors that adversely affected your credit XXXX length of credit history. 
I owned a home from XXXX to XXXX and then another home from XXXX to now, XXXX. How that that be construed has insufficient length of credit history?
Product: Debt collection

Enhanced Recovery Company is in violation of the FCRA, Frank Dodd Act and the FDPA by continuing to report a collection item that was paid in full directly to XXXX in the amount of {$690.00} on XX/XX/2017. Enhanced Recovery Company is asserting that I owe a shadow debt in excess of $ XXXX.This account is paid in full and is still reporting as an open collection on my credit bureau reports.
Product: Credit card or prepaid card

Synchrony Bank, which is the financial institution behind Care Credit and Amazon XXXX Store Card, is forcing customers to choose between paper statements or electronic statements. Card holders can not have both. Choosing paper does not financially benefit the consumer. I choose paper statements, but if I misplace my statement or need access to it while out of town, it isn't available online. Synchrony is forcing consumers to go electronically for profit because a ) they incur less cost for printing and mailing and b ) hope consumers will forget their due dates thus Synchrony profits from late fees. This is predatory and gross.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX, I XXXX XXXX noticed the following XXXX XXXX inaccurate / invalidated accounts on my credit profile. Account numbers are as follows : XXXX, XXXX & XXXX. Please find attached proof that these accounts are currently in dispute with XXXX XXXX via mail and fax. To date, XXXX XXXX have not validated the debt for the three accounts listed. As a result Transunion is in violation of 15 U.S.C. 1681 ( i ) 5 ; ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Please remove the inaccurate / invalid accounts IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Debt collection

Follow up with complaint XXXX Is regarding account # XXXX, which you claim Such as I owe $ XXXX.They put negative marks on my credit reports ( including XXXX, XXXX and XXXX  ) . Without verification of my signature or have enter any agreement with OLIVER ADJUSTMENT COMPANY INC.

OLIVER ADJUSTMENT COMPANY INC Stated : " We have disputed the account per the consumers request and will follow up with our client and send out Validation of the debt. ". Which means OLIVER ADJUSTMENT COMPANY INC, does not have my signature or any contract or arrangement. Which is a violation of my rights under. The Fair Debt Collection Practices Act. I do not know who you are. I have never been to your office or even where you are located. This is damaging to me and my family. I having a hard time at my job focusing.because of the XXXX dealing with this problem that is not mine. I'm having XXXX XXXX. Which I'm going to the doctors today.It is stopping me from refinance my house. So, I can make an addition on house for my sons needs.My son is XXXX and need special commendation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX Account # XXXX and 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 an 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 any purpose.
Product: Checking or savings account

I opened an account with an online bank, N26, who is managed by XXXX XXXX. This entity froze my account because they had a issue with me getting daily deposits from my gig job. I work as an XXXX XXXX for XXXX, a smartphone app that allows you to work doing handyman services. I have emailed and cooperated with N26 by showing proof of my identity and proof that I do work for this company. I do not understand why it is their business to know this, but I have cooperated. They are holding my money to where I can not take care of my family and myself.
Product: Debt collection

iv called and tryed to fix this. However did not help these are not my accounts
Product: Credit card or prepaid card

CapitalOne closed my account after 22 months or more of lack of activity, however I received little of any warning of this after discussing with their representative that o would not used the card due to poor rates. This was my first credit card and I have had it for 22 years or there about. I am greatly concerned that this will negatively impact my credit score and history. I have contacted their support and escalated to management and they refuse to assist.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX  ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank has had my account locked for a month due to potential fraud which is not fraud
Product: Vehicle loan or lease

On XX/XX/XXXX penfed credit union added {$5300.00} to my auto loan for " premium insurance '' I've uploaded my insurance proof to the provider they told me too and they keep telling me they have not received it but I have the confirmation that it was uploaded and they will not remove the XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request a copy of my credit score, which I understand is available to me under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g. I recently obtained my credit reports from your company, but I was unable to locate my credit score. As you are required by law to provide me with this information upon request, I am requesting that you promptly supply me with my credit score. The score should be calculated with the verified items on my report. Any information improperly verified could be ground for litigation as I have dealt with this issue for more than 2 years with Transunion and XXXX Please provide me with the following information as required by the FCRA : My credit score based on the credit report you have on file. 
The date the score was calculated. 
The range of possible credit scores under the model used. 
If there are any additional procedures or fees for providing this information, please notify me immediately. 

Thank you for your attention to this matter. I look forward to your prompt response within the statutory time frame of 15 days as required under the FCRA. 

Sincerely,
Product: Credit card or prepaid card

I had a payment set up with my PayPal Mastercard and it did not go through properly on their end. When I saw this the day after it was due, I immediately put another payment through which was successful. I called, chatted and emailed PayPal Matercard ( Synchrony ) and asked that the {$38.00} late fee be reversed and went on to be told no. I dont this this is fair as it was set up, then paid within 24 hours after the mistake was found
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Product: Mortgage

I requested pay foo amount on XX/XX/XXXX. I dent a check on XX/XX/XXXX for that amount. Mu payment have not been processed and they are still taking payment from my bank account. 

I faxed the proof of payment being received at their office. Still took from my account XX/XX/XXXX payment
Product: Credit card

I purchased a ring from XXXX XXXX and used Comenity Bank Credit Card. I was told by XXXX XXXX that I would have " 18 months no interest ''. It has since been 18 months and 20 days. Yesterday, I found out that I was charged {$3200.00} interest on a balance of {$2400.00}. I was not given any warning that I would be charged this interest through email, mail, or text message. I am enrolled in auto-pay. I found this information after making a new purchase. I would like to file a formal compliant under XXXX.
Product: Credit card

I saw 2 suspious credit inquiries in the Credit Report with the same date of XX/XX/year> under 2 companies/banks. I was not aware of those 2 inquires. I called XXXX on XX/XX/year> to dispute those and freeze credit inquiries. I also disputed and freeze in XXXX and XXXX online. Please dispute the credit inquiries starting XX/XX/year>. Someone stole my identity and apply credit cards without my knowledge. Thank you.