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

Last year I went to SEE optical to purchase glasses, without my knowledge they opened a credit account in my name and charged the glasses on that account. I then left to work in XXXX, when I returned a few months later Synchrony bank contacted me and told me I owed {$1300.00} for the glasses so I told them I wanted the account paid in full and to close the account, I then returned to XXXX and upon returning 4 months later they told me that my account was overdue {$3.00} and they submitted a late payment to XXXX. I paid the {$3.00} and requested that they ask XXXX to remove the late payment from my credit record but this never happened. I've contacted each institution 3 times requesting to remove this and each time they tell me they will submit a request but nothing happens. This is the last correspondence from XXXX. 
Account Dispute Update XX/XX/2019 We have an update about your Account Dispute The dispute for the account with SYNCB/SYNC BANK CARD that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 
Synchrony did not close my account when I told them to do so and then charged me {$3.00}. They stated several times that they would get it removed but never do so. They will not give me my account number because the account is closed. This has decreased my credit score 80 points and is severely effecting my life in a negative way.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : XXXX 
XXXX XXXX Balance : {$1100.00} -Charge off XXXX  XXXX Balance : {$10000.00} XXXX XXXX XX/XX/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 have disputed this account several times. Just to get a un validated reply. Please send XXXX proof of charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( XXXX ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION DEAR SANTANDER, I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO A LATE PAYMENT REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX. I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.

GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING : 1.REMOVAL OF THE INACCURATE LATE PAYMENTS : I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENTS ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.

2. ARBITRATION AGREEMENT : WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.

I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.

I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.

I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the account list it below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 Acc Name ; XXXX XXXX XXXX Acc # XXXX 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 with out my written instruction 15 u.U.S.C 1681 c. ( A ) ( 5 ) section states no consumer agency may make any consumer report containing Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report with XXXX  and Equifax and they sent a response stating that they investigated my dispute however they failed to provide me documentation showing that they did an investigation. they stated that they asked the furnisher of information and they confirm or stated that the debt belong to me. 
I then requested that they send me the Method of Verification and i only received another letter stating that they verified what i was disputing. they keep sending these generic letter and not doing what the law requires. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify- though the physical verification of the orginal signed consumer contract - any al all accounts they post on a credit file. otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

Accounts from XXXX  that I want method of verification done and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX account # XXXX 3 ) XXXX XXXX XXXX account XXXX XXXX Accounts from Equifax that I want method of verification done and written verification per Section 609 ( a ) ( 1 ) ( A ) and written verification in the way of a contract are : 1 ) XXXX  XXXX account # XXXX 2 ) XXXX  XXXX   account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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 DEPTEDXXXX  XXXX XXXX  Account name : XXXX 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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I OPENED MY SAVING ACCOUNT WITH CIT BANK ON XXXX XXXX,2017.THEY PROMISED ME BONUS AFTER THREE MONTHS OF OPENING ACCOUNT. SO FAR I DID NOT GET ANY THING FROM THEM. THEIR CUSTOMER SERVICE IS VERY BAD & ONE HAS TO WAIT FOR LONG TIME. IT LOOKS LIKE A SCAM TO ME.THIS BANK IS NOT TRUSTWORTHY AT ALL.
Product: Checking or savings account

There were a lot of transactions on my checking account where money was taken out that I did not authorize. BOA claim numbers are XXXX, XXXX, XXXX, XXXX. I spoke with a BOA claims representative on XX/XX/2024 at XXXX on a recorded line. The representative advised me that the money from the claims will be refunded to me on XX/XX/2024. Knowing I was getting this money I needed back I paid off a purchase. I then spoke with a BOA representative on XX/XX/2024 to see why the money had not been put back in my acct. The rep advised that the rep I talked to on XXXX failed to tell me that due to it being over 72 days they are still investigations. Had the other rep told me this I would not have paid off this other purchase. The representative in XXXX gave me false information and BOA should credit me asap due to this major inconvenience.
Product: Debt collection

i had credit card and loan to bank but on 2013 i could not pay so i got debt consolidation agency i started paying on XXXX and finish on XXXX and they sent me a certificate .which says i am debt free. But on XXXX they sent me a letter which says the credit card is not paid and the debt is sold to XXXX XXXX this agency sent me to the court on XXXX.
Product: Debt collection

Upon checking my credit file Ive noticed a company cbs collect has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete the accounts listed below : - Creditor name : XXXX. Date of the inquiry : XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I have paid theses debts through a debt relief program and they all have been paid in full, however XX/XX/XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXXXXXX, all reports are showing unfavorable results, and this has been over a year and half, keeping my XXXX XXXX in low XXXX,.
Product: Vehicle loan or lease

XX/XX/2015 XXXX/GATEWAY LENDING issued a fraudulent loan in my name with my personal information. I have alerted them that the account is fraud and provided them with identity theft documentation.
Product: Debt collection

My account with Banana republic is paid completely and closed XX/XX/XXXX. As a matter of fact, they sent me a check back for overpaid owed money {$600.00}. Yet some how the account was reported as charged off XX/XX/XXXX, despite that it is been paid and closed XX/XX/XXXX The account has been sold to XXXX different collection agencies ever since. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all all the collection agencies and Banana Republic but got no where. I am attaching all document for your information.
Product: Checking or savings account

On XX/XX/XXXX i found my debit card was shut down. I looked on my mobile app and discovered a fraudulent withdrawl of {$1800.00} on my account. I still had funds, but the bank for some reason shut down my debit card. I called fraud line and was told to go into local branch the next morning to file written notice and open a new account. I did this on the XXXX of XXXX. ( US BANK ). I have gon back to the branch and talked with Fraud line. Both are telling me it could be up to 3 months to get my money back into my account. The money was taken out at a XXXX branch with a withdrawl slip. The bank had to think something is wrong wwhat other reason would they shut down my account? I dont think i should need to wait 3 months to get my " protected '' money back.
Product: Debt collection

I sent a letter to the debt collector asking for validation XX/XX/year>, I haven't received anything to date. i do know they received the letter ; it is reflecting my credit report that it's in dispute.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Student loan

I have tried and tried to work with American education services. They never send me the papers I need and never ever help me. My son is in the hospital and they do not even care about my financial hardship I am going through! Recently last month they charged me because I made two separate payments instead of my whole payment! What kind of XXXX is that? Why does it matter if I do two payments??? They want me to pay up over {$300.00} dollars just to cover my two separate payments. Um no. They are suppose to work with me, not me work with them. Its my money.i have report this company 3 times and nothing happens!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i received a credit alert stating my credit score had drop 72 points now bringing my struggling trans union score down evan lower, when i check to see why it had  drastically drop it was because they stated a credit card i had and paid off over 20 years ago was no longer being used or active this account was closed again over 20 years ago and paid off, transunion and these credit reporting agencies will drop your score for things that make absolutely no sense to keep u in a higher interest rate and tell you u need more credit from high interest credit cards that are as bad as pay day loans, i sent them an email the XX/XX/2018 they told me it drop because i had no active credit never mind i just paid off a car loan of over 3000.00 my credit card with XXXX  XXXX  is allways on time and paid off as were the car loan paid off and the one still existing people of lower finacial and of color fight an uphill battle with the practices credit reporting. Agencies are allowed to get away with they pettle more high interest loan dept for greedy corporate America to further keep you in dept and never able to achieve your goals or dreams, on every low income credit reporting agencies reporting tools is high interest loan dept sold to poor and disenfranchise, this was to lower my already struggling credit to keep me in a higher intrest rate, it is a low and shameful practice that XXXX XXXX and these other credit report agencies do
Product: Debt collection

Wakefield and associated XXXX. I've told them over and over that I had 2 insurances.Ive disputed it over a year and if they go back they would see that I was covered by XXXX XXXX and XXXX XXXX and XXXX so I know there should not be a balance but they still have it on my credit report and I've asked them to remove it more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.
Product: Vehicle loan or lease

On XX/XX/2024, I made a payment of {$2900.00} through my bank XXXX to Ally Financial, which I believed was a wire transfer but was actually a transfer to their account. When I called customer service, Ally could not locate my payment. After being transferred to to the Redemption Department I spoke with a manager named XXXX. He confirmed that a payment of that amount had been found but explained that it lacked a referenced Ally account number, which prevented them from applying the funds to my account. I offered to provide proof through my bank statements to verify the payment, but XXXX informed me that they would not accept this documentation and the money would remain in limbo. 

I requested to speak to a supervisor and XXXX assured me that someone would call back within 24-48 hours. However, I never received the promised call. As a result, I am filing this complaint to seek assistance in resolving this issue and ensuring the payment is applied correctly to my account or refunded.
Product: Credit reporting or other personal consumer reports

There's XXXX late payment dates on an account that was closed to my city double cash card XXXX that r wrong and citi will not provide me with the dates on the XXXX late payments and when the account was closed because they know they're wrong so they're not going to provide that information to me