23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I noticed an unrecognized charge on my credit card, which I initially believed was related to an international gym visit. I spoke with several gym representatives, but they were unfamiliar with the credit card processing system, and the language barrier made communication difficult. I am no longer certain this charge is related to the gym, as the charge does not reference the business name. 

After receiving more information from US Bank, I learned the charge was from a clothing store.

I request that US Bank initiate a fraud investigation as required under Regulation Z of the Consumer Credit Protection Act.

At a minimum, I request details about the purchased products ( proof of purchase ), the identity of the merchant ( business name and address ), and contact information for the merchant. Despite multiple attempts to reach US Bank 's fraud research department ( call times available upon request ), I have been unable to contact the investigator or receive a satisfactory resolution.

I do not believe I should be held responsible for an unrecognized charge without receiving a product or service.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Obtained a copy of my XXXX Credit Report without my written or verbal permission. 
Below is the inquiry I would like to have permanently removed : 1. DISCOVER FINANCIAL SER - DATE : XX/XX/2023 XXXX. XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.
Product: Debt collection

I am requesting per the FCRA 623 and 609, that I be given the original contract bearing the wet signature that opened the account.
Product: Debt collection

XXXX XXXX XXXX in XXXX XXXX NY is under new ownership and has sent every account to collections whether they owed money or not.
Product: Vehicle loan or lease

The worse dealership experience I have ever had, and I've been driving since I was a teenager. When I purchased this vehicle ( gladly with a witness ) I told the salesman how much I drive ( numerous times since we were discussing a lease ). Fast forward 6 months later of a supposed " brand new vehicle " and XXXX miles later battery and engine issues. To which I'm basically told is going to keep happening. Tried numerous times to reach out to mbusa, Mercedes road side, and the dealership to be hung up on, lied to or ignored. I finally towed the vehicle up there and went directly myself since no one cared about my problem and made it clear I wanted to return the vehicle this is not what I pay {$850.00} a month for. They forcibly put the vehicle into " repairs '' against my consent, then when it reached the point of me having to make a scene to actually be heard they want to tell me I have to pay {$10000.00} to return the piece of XXXX they lied about and sold to me. I left the vehicle there since they forcibly put it in " repairs '' without my consent and contacted my attorney to update him on the matter. Run from here as fast as you can! I'm glad I recorded my whole interaction with the lying scammers.
Product: Debt collection

I am writing to formally dispute the alleged debt associated with. I have reason to believe this claim is invalid, as my personal identifying information was compromised in a recent data breach. I did not authorize any credit transaction or account associated with this alleged debt.

Pursuant to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any use of my consumer report must meet the criteria for permissible purposes. This includes valid written instructions from me or a legitimate credit transaction involving my authorization. Neither condition applies in this case.

Please cease collection activities and provide evidence substantiating this claim. Failure to provide verification will result in a request to all consumer reporting agencies to delete this erroneous information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. Community also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. XXXX continues to report the 6 missed payments. Community states they've sent correction letter to XXXX to remove all 6 lates, however XXXX says they've never received such letter. In fact XXXX says community confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, XXXX, Equifax XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an IDTR report and told the bureaus of credit reporting to take down my loan with XXXX. They have not done so and now I have lost {$2000.00} in tradeline credit. XXXX XXXX  called me stating that an account is in delinquency status, so they dropped my tradeline amount. This is the fault of the CRAs because they did not remove the accounts I asked them to remove. THESE ARE NOT MY ACCOUNTS. I am going to sue if the account is not taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX Zelle  account to prevent unauthorized Zelle transfers. Once the agent verified my information, they initiated 7 Zelle transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent Zelle transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the Fraud department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the Zelle transfer had been sent to a XXXX Bank account with my name on that account. I have no association with the XXXX bank account and do not have a Zelle account with XXXX Bank. The thief was able to link my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your Zelle profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. The thief robbed me through an unauthorized transaction using my name and mobile number fraudulently on an account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX contacted me showing a XXXX  balance and still on my report XXXX it is an old account after 7 years XXXX XXXX removed off credit report. XXXX XXXX XXXX - no knowledge of this account call company they removed and it was put on XXXX only XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance Paid collection - should be off of credit according to promise to pay it is paid and still showing on credit collections sections XXXX still reporting after paid XXXX - wrong amount and reporting me on credit inaccurate information for XX/XX/XXXX XXXX amount send in to 3 credit reports still inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the fraudulent items on my Credit Report from XX/XX/XXXX to XX/XX/XXXX by sending dispute letters addressed to the Credit Bureaus. But despite all my efforts to correct my Credit file, the Credit Bureaus seemed to enjoy not giving a XXXX about my Dispute and my Credit File. The Credit Bureaus are given ample amount of time by the Federal law to conduct their investigation and remove the items that resulted due to Identity Theft. I am submitting this complaint to remind the Credit Bureaus that they are required to remove the items I am disputing since these resulted due to the crime. They have failed me before and I was tempted to take legal actions against the Credit reporting Agencies but I will be kind enough to give them a couple more chance and correct my File under each Respective Bureaus. I am utterly frustrated to see that despite all my efforts, the Credit Bureaus have become negligent of the FCRA regulation, my appeals, and their utmost duty to report accurate only information on a consumer 's Credit File. Once again, the items I am disputing were the result of the Identity Theft and must be removed immediately in accordance to FCRA regulations : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX CAP XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Debt collection

XXXX XXXX lease car returned XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. XXXX representative informed me that my balance was {$0.00}. That day, I purchased a new lease through XXXX 's sister company, XXXX XXXX, at same dealership. Today, XXXX, I am the primary signer on a new XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I honestly can't believe this is happening. As someone who follows the law, it's incredibly frustrating and insulting to have my rights as a consumer violated like this. There are fraudulent charges on my credit report that I never benefited from, and despite reporting them to the Federal Trade Commission, they still havent been removed. Its causing me so much stress and anxiety.
Product: Credit card or prepaid card

On XX/XX/2022 I enrolled in a Home Depot Consumer Credit ( operated by Citibank ) which advertised a savings of {$50.00} off the first Home Depot purchase of {$500.00} - XXXX using the card. The advertisement for the card listed several exclusions, but did not state that the {$50.00} could not be combined with any other offer. 

On XX/XX/2022, after enrolling in the Home Depot Consumer Credit Card, I attempted to make an online purchase on homedepot.com of {$850.00} but was unable to access the advertised {$50.00} savings online. I called Home Depot Consumer Credit on XX/XX/XXXX and spoke with an associate who confirmed I was eligible for the {$50.00} savings, that I should go ahead and make the purchase, and then call back 48-72 hours after making the purchase to request that the {$50.00} savings be applied to my purchase retroactively. Based on this guidance, I proceeded to place the order on homedepot.com. 

On XX/XX/XXXX, I called Home Depot Consumer Credit and to request that the {$50.00} savings be applied to my purchase. At that time, I was advised that I was not eligible for the {$50.00} savings because I had already received a 10 % veterans ' discount on the purchase from Home Depot and the Home Depot Consumer Credit Card {$50.00} savings could not be combined with any other offer.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion.

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documentation to meet demands in a timely fashion. 

PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Product: Credit reporting or other personal consumer reports

I have recently within the past XXXX or XXXX months disputed this information FROM XXXX XXXX ACCOUNT # XXXX that popped out of nowhere, as not being mine and not belonging to me. Also to add this account seems to be a corporate account which is not mines and is reporting in my personal consumer credit file. I have contacted Equifax and XXXX in regards to this fraudulent account and they are clearly in violation of my rights and FCRA for reporting this fraudulent information in my consumer credit file. It is not reporting in my XXXX file because when contacted them they clearly understood that this account was not mines and removed it immediately. This is causing me Great personal harm and making it extremely hard for me to obtain any type of new credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted US Bank about incorrect reporting of balance information through all three credit agencies. US bank claims to have charged off the account but they still collected interest for months after the account was charged off. It reports via all three credit agencies that the balance is {$3300.00} when the charged off amount was {$2800.00}. By law they can not continue to collect interest on a charged off account without disclosing that information to me which has not been done. Section 1692g ( a ) ( 1 ) of the FDCPA states that debt collectors must state " amount due '' when communicating. In addtion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court also addressed how debt collectors must communicate interest accrual to debtors. Neither of  these have happened. When I submitted a dispute with each of the credit bureaus, I recieved notifications that nothing would be changed and the information is correct. I have proof via XXXX that the amount charged off and the amount US Bank claims I owe differ.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 Bank of America did a emergency cash transfer through XXXX XXXX for me. They asked for copies of both my license and my Social security card which I sent. They gave me a transfer number to retrieve my money but XXXX XXXX refused to release it to me because Bank of America neglected to add my middle name to the transfer although both forms of ID I sent them had my middle name. XXXX XXXX call center advised me they can fix it if Bank of America calls them. So I called Bank of America several times a day for 3 weeks requesting this change, each time they said they can not call, only the cash transfer team within Bank of America can do that and they sent them at least 15 messages requesting just that over the 3 weeks. They never changed it. I spoke to a supervisor about a refund and was advised it would take 45 days. It surpassed 45 days XX/XX/2021 and I still have not received a refund. I have called Bank of America multiple times since then, asking where my money is and they are refusing to return it to me. They just keep saying they put in urgent requests to have it returned but thats all they can do. Its been a week since the urgent request and I still havent received my money. If I could sue them I would but its a waste of money over {$1400.00}. The state of California partners with them to distribute the unemployment money but it seems like theyre using that partnership to instead cheat people who are already down.
Product: Credit reporting or other personal consumer reports

My loans are being double reported on my credit report. I have a consolidated loan of a total of {$56000.00} with XXXX XXXX. Included in the loan is {$22000.00} and {$33000.00}. On my credit report the {$56000.00} total is shown but also a separate loan for {$22000.00}. I have contacted both ED FINANCIAL and XXXX. The issue had been resoled but then weeks later it gets double reported again. I have disputed with XXXX multiple times, in which XXXX XXXX has sent my updated loan amount but every time my dispute is either denied, or the loan amount is corrected for a few weeks and then changed out. These are the dates of the XXXX, XX/XX/year>. My credit score keeps lowering because of their false and double reporting of my loan amount.
Product: Credit reporting or other personal consumer reports

" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"