23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX p.m. eastern standard time XXXX rec 'd an email from XXXX informing me of a credit limit offer is waiting and to click now. I have not activated this card in apple wallet. I immediately contact XXXX customer service to inform them that I never request nor opened an apple credit card account. They suggested I talk with an XXXX XXXX name XXXX who told me she couldn't submit a block promotional on my behalf nor redact the card now in my XXXX XXXX. She gave me their phone number XXXX unfortunately my call to XXXX XXXX was rerouted back to XXXX card support services, I couldn't reach anyone, no distributor from XXXX XXXX was connected via phone. This is identity theft i never applied for a credit card. On the XXXX XXXX is this credit card apple cash card readily available for use. This is insulting intentionally damaging and affects my reputation, lowering my CRA XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

PayPal has refused to address the unauthorized charges on my account. They are clear fraud and Ive tried submitting a case, which they closed. I reached out to their customer service and they pretty much told me oh well. I have never once lived in CA nor have I shipped anything there. I live in NJ and the charges are clear fraud. PayPal is refusing to do anything about it.
Product: Money transfer, virtual currency, or money service

Zelle money has been sent from my account before and Zelle basically did nothing about it causing me to lose money because of Zelle terms
Product: Checking or savings account

XXXX made three unauthorized purchase on my account of {$92.00}. I informed TD Bank of this purchase and I filed a dispute for it. This dispute has been going on for awhile now. I send over documentation in support for my dispute and TD Bank had reversed back one of the disputes to XXXX of {$92.00} that I didnt authorize XXXX to take on XX/XX/XXXX. Also, this transaction had caused an overdraft on my account. I was charged {$35.00} on XX/XX/XXXX, a day later when I had money in my account. By doing this TD is endorsing fraudulent behavior, enabling merchants to steal from consumers and this is a breach of contract with customers. This is a violation of my rights and federal rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  CARD AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
XXXXXXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXXARD AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.
Product: Money transfer, virtual currency, or money service

when i filed my taxes last year i had a letter stating that i qualified for the {$1400.00} EFTIC Credit  and when i filed my taxes through Cash App i never received the tax credit they only gave me the {$630.00} state and federal taxes i was eligible for and i was wanting to know the best way to go about handling this for this years taxes?
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Product: Credit card or prepaid card

Since XX/XX/2020, I have contacted Comenity Bank 13 times in writing and multiple phone calls to request that an amount of {$250.00} be reimbursed after it was incorrectly withdrawn from my XXXX checking. It occurred after a canceled payment in the XXXX XXXX XXXX  in XXXX Washington. 

I was able to obtain a copy of the canceled transaction receipt for the attempted payment on XX/XX/2020, of {$250.00} from the XXXX XXXX XXXX in XXXX, Washington. I sent them a copy as well that shows the transaction status states CANCELED, and then further down it states, " The aureus response text : DECLINED '' And the reason " Payments can not be made on a MasterCard account until a customer has received and activated their physical card, '' was given. I had not, in fact, received a physical card at that point. 

I also sent them a letter from my credit union, XXXX affirming that the transaction posted to my account and the funds of {$250.00} had been removed from my checking. The official letter gives the date, the time the transaction was initiated, as well as the trace number. 

I have submitted everything Comenity Bank has requested and still have yet to get the problem resolved. It has been going on for almost 8 months now. I have requested that the amount either be applied to my account or refunded back to my bank since I made a second payment of the exact amount from XXXX XXXX XXXX XXXX on XX/XX/2020 that was correctly applied by Comenity Bank on XX/XX/XXXX.
Product: Credit card or prepaid card

I received a card in the mail from US Bank ReliaCard. I did not request this card and have not been unemployed. I am a retired senior citizen. This is clearly identity theft and fraud. I tried to call US Bank to shut the card down. Their phone tree does not offer any options for this situation. There are many articles on the internet about this scam. There appears to be no way to shut this fraudulent card down. I need help to get to the right department to stop this fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 
Unrecognized hard inquiries on my report remove immediately. Thank you
Product: Credit reporting or other personal consumer reports

It has been over 60 days. Equifax stated they have no information on file for me. I am requesting all items on this credit report be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by Bank of America. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. Bank of America need to fix this and apologize.
Product: Credit reporting or other personal consumer reports

I requested information from Transunion on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The requested information is as follows : 1.Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history.

In accordance to the Fair Credit Reporting Act these companies has violated my rights.

15 U.S.C. 1692g that requires a debt collectors to validate debts and provide consumers with certain information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS OPEN fraudulent I AM A VICTIM OF identity THEFT AND THE COMPANY SAID MY CLAIM WAS DENIED BECAUSE MY INFORMATION MATCHED MY address, someone STOLE MY identity AND I WAS NOT THE ONE THAT OPENED THIS ACCOUNT, I HAVE SENT THIS COMPANY A COPY OF THE POLICE REPORT AND I SENT THEM A COPY OF MY FTC REPORT AND THEY ARE NOT TAKING CARE OF THIS fraudulent ACCOUNT.
Product: Credit card or prepaid card

On XX/XX/2013 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable
Product: Debt collection

I submitted documentation attesting that I am a XXXX XXXX XXXX XXXX for the purpose of section 605c of the fair credit reporting act. After submitting said documents asking the companies to block adverse information as requested, I havent received appropriate results or documentation showing blockage of information.
Product: Credit reporting or other personal consumer reports

Fraudulent hard inquiries... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We feel like we are getting the run around from CitiMortgage like we have in the past with respect to our application for assistance/loan modification. They did n't review or underwrite our application for assistance, they are making numerous collection calls to me at work ( in violation of the bankruptcy discharge - I am currently working with an attorney to see what our rights are as to these violations ), send letters that contradict previous letters adding to our confusion ( we were declined for a short sale that we did not request or apply for and then notified the following day that we were conditionally approved ), failing to respond to email requests, failing to respond to our loan modification appeal within the required time frame ( 30 days ), and misleading us by sending a HAMP application when our investor does not participate in HAMP. 
We love our home and desperately want to keep it. We just do n't think that CitiMortgage is acting in good faith based on the way our account has been handled since XXXX. We would just like the investor and CitiMortgage to work with us to make our payments more manageable and affordable.
Product: Credit reporting or other personal consumer reports

This company is reporting information to credit bureaus without my permission. I never had this company to pull any of my information for credit. They are reporting a bankruptcy and the bankruptcy courts do not report bankruptcy information.
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 ALLY FINANCIAL account [ 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is the XXXX time I have filed a compliant My name is XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX please delete/remove any other addresses they are not mine. Please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like to request a SECURITY PIN FOR ALL XXXX CREDIT BUREUAS.
Product: Debt collection

I contacted Lvnv funding / XXXX XXXX  after months of them collecting XXXX $ in recurring payments from my account to pay a debt off. I am currently working on my credit and they stated over the phone the amount of XXXX $ would settle the account and a letter would be sent via mail within 7 to 10 business days from the date the payment was made. No letter has been sent and they falsely still have an amount showing on my collection on my credit reports. I have stated to them this has stopped me from bettering my credit and they still choose not to correct the issue.
Product: Consumer Loan

I had a Macy 's American Express card and someone stole my credit card information and charged over {$2000.00} to my card on XXXX XXXX, 2015. I was alerted by Macy 's of the situation and they closed the account, sent me a new card and asked me to fill out the appropriate paperwork and send them a copy of my driver 's license. I did everything they have asked me to do. The charges are still on my account along with late fees and interest. I have called them several times and they said it may take 90 - 120 days to clear. In the mean time I have been getting harassing phone calls by XXXX multiple times a day from Macy 's. They call my office, home and cell phone. I find this all very disturbing that this is not cleared up by now. I have a XXXX credit card also and when I have had fraud on it, it is cleared up within a week. I do n't know what else I can do at this point. They have dinged my credit and I have sent them a letter about all this. I do n't feel as a consumer who was a very loyal Macy 's customer for years that what they are doing is appropriate and I am very frustrated with their whole process. They are wasting my time and their 's.
Product: Consumer Loan

I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a {$100.00} balance that was 2 weeks late. 
NOW I have this on my credit report and they REFUSE to help in any way.
Product: Debt collection

I believe the following company Midland Credit Management Inc. has violated my consumer rights by not informing me of any debt owed by debt Validation or any contractual agreement between me and all parties. The company was allowed to place negative items on my credit report to the following agencies XXXX, and XXXX without the consumers ' acknowledgement. Neither agency and company produced an investigation to validate any and all accuracy. 
This isn't my debt nor any association of person or past and present accounts validates this company to place someone else 's collection on my credit report. 
I asked CFPB to please investigate and have Midland Credit Management Inc remove all negative items off my credit report. I also request for all Debt Validation, Contractual Agreement between me and this company, Phone Records between Parties, Receipt of Purchase of Debt that associates my personal information, and any verbal or written consent that I acknowledge the debt as mines. 

Balance {$3500.00} XX/XX/year> Balance {$660.00} XX/XX/year> Balance {$330.00} XX/XX/year> I haven't open any accounts associated, nor is there any inquiries or request that associates with these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over XXXX hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all XXXX credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX