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

XXXXXXXX XXXX, XXXX, XXXX XXXX : XXXX, This account is fraudulent. I Never authorize this account. Never used the account. Never sign any documents for this account. Never Sing any online document showing my IP Address or location for this account. I never took advantage of this account. There is no proof that attached me to this account. 

I am a victim of fraud and identity theft. There is someone unknown to me that has used my personal information for diverse purposes including but not limited to obtaining financial services, credit accounts, utilities, insurance, etc. Taxes may be filed on my name in my current or other jurisdictions in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I a

m permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamtion of my character 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX account is not mine, I am a victim of Identity theft. Please remove it from my credit report XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3.This account is not mine, I am a victim of Identity theft. Please remove it from my credit report XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On or about XX/XX/2022, through the Chat feature of the American Express website, I requested that American Express ( a ) reallocate the credit limit from my card ending in XXXX ( with a credit limit of approximately {$13000.00} ) to my card ending in XXXX ( with a credit limit of approximately {$12000.00} ) and ( b ) close the card ending in XXXX. This was because the card ending in XXXX had an annual fee which I do not want to pay. American Express agreed to both ( a ) and ( b ) and at that point, it appeared to me that American Express would do ( a ) and ( b ) without any further action on my part. 

On or about XX/XX/2022, I logged into the American Express website and saw that my credit limit for my card ending in XXXX was only {$1000.00} and not the {$25000.00} that I had expected. I raised this with American Express through the Chat feature of the American Express website. Again, American Express agreed to fix this. 

As of today, XX/XX/2022, both problems still remain : XXXX. My card ending in XXXX has a credit limit of {$1000.00}. The credit limit should be {$25000.00}. 
XXXX. My card ending in XXXX is not closed. It should be closed. 

Could the CFPB please help with this? 

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

Transunion refuses to do what is fair and equitable under the law. TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are Dept of Treasury. and Inquiries of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. TransUnion continues ignore federal law and instead rely on it's internal policy. Transunion believes it's company policy supersedes federal and it does not. Transunion is required to block this fraudulent information from my consumer file and the company has consistently failed to do so. Transunion is enabling identity fraud.
Product: Money transfer, virtual currency, or money service

Purchase a necklace through lease ( XXXX ) option ACIMA leasing on XXXX. Making payments on regular payments. However this last month of my contract. I contracted XXXX and asked Acima for some relief, because I had to shelter in place for XXXX days, I spoke with rep, she stated she would note my situation on my account. They wouldn't contact me for XXXX days. However I received a barrage of phone calls everyday twice a day even on Saturday & Sunday. Harassments to the fullest, I asked the operator was their notes on my account, that I had already spoke with rep about my condition. She stated yes, but company policy was however was keep up pressure calling client until they submit or return necklace.
Product: Credit card or prepaid card

Three things 1 ) they debited my checking account after issuing a cancellation for the payment. 
2 ) they offered to return the payment in 7-10 days which is unacceptable. 
3 ) they never returned the payment. as of 30 days later. 

also it is their practice to debit your account for autopayment even if you have already made the minimum due OR you have paid your balance in full unless you disable autopay. I think if you make the minimum due and your autopay is set for minimum due they should not debit your checking account for the minimum due. 

1 ) I set up a payment online for {$400.00} on XXXX to draft my checking account. As soon as I set up the payment I noticed it was for the wrong account ( within one minute ). I cancelled the payment and received a confirmation.After I received the confirmation, I set up a payment for {$400.00} on the correct account. Both debits posted to my two checking accounts the next day. The one I had cancelled caused an overdraft and a fee on my checking account. I called capital one and after 30 minutes they said it would take 7-10 days to reverse the item. I said that was not acceptable as they could reverse the item in 1 day if they wanted to. They never reversed the item. Also, the following month, my autopay did not work and I was charged a {$25.00} late fee.Customer service said they would issue a credit and look into the {$400.00} payment. I paid the minimum due of {$44.00} but they said autopay would still charge me {$110.00} even if I paid my balance in full resulting in a negative balance on my credit card. The customer service rep said its so people can pay their credit cards off sooner. I could disable autopay if I like.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose.

Please update the following accounts as Paid, Never Late. 
XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A 2nd dispute was created after the initial one, the 2nd dispute was completely ignored and closed almost immediately upon opening it. It was opened and closed on XX/XX/XXXX in a matter of minutes and no analysis of supporting documentation thoroughly proving that the account reported was paid, as agreed, in full. 

Experian refuses to acknowledge the payment receipt, and ACH transfer, and even attempting to reinvestigate does nothing. Since this has happened twice I am generating a 2nd report. 

Initial debt was incurred to XXXX over a leave sell error, the debt notification was issued on the XXXX of XXXX, and arrived by mail on the XXXX of XXXX. It was paid in full on the XXXX of XXXX for a matter of XXXX dollars as reflected on both the pay.gov  receipt showing a XXXX debt, and the ACH transfer from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got approved for a {$500.00} Credit Card from XXXX XXXX. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the XXXX XXXX App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.
Product: Credit reporting 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 : XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Mortgage

Do to corona Virus COVID-19During the shut downI lost my business at that time And I called my mortgage company To explain my situation and that I can't pay my mortgage payment, No mortgageCompany Offered me Forbearance plan until my situation get better And I be able to pay my mortgage and I request the mortgage company for loan modification after I Submit all my documents they didn't Qualifying me for loan modification they denied me and they refused to work with me to save my house they refused to take my mortgage payment and the refused to pay them what I owed them on stalemate payment, mortgage company they threaten me to pay them what I owe in one payment Otherwise they threaten me Foreclose on my house or short sale, please i your help to save my house to raise my XXXX kids, thanks very much
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Subject : Dispute of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally dispute certain accounts listed on my credit report as a result of a data breach that has impacted my personal and financial information. I believe these accounts may be fraudulent or were opened without my authorization. Please consider this letter a formal request to investigate and remove these accounts from my credit report as soon as possible.

The accounts in question are : 1.

Account Name/Company : XXXX XXXX  Account Number : XXXX 2.

Date Opened : XX/XX/XXXX 3.

Account Name/Company : XXXX  4 .

Account Number : XXXX Date Opened : XX/XX/XXXX ( Include any other accounts you wish to dispute in the same format. ) Please find attached copies of any relevant documents that support my claim, including a copy of my notification regarding the data breach.

I request that you investigate these matters thoroughly and remove any fraudulent or unauthorized accounts from my credit report. In accordance with the Fair Credit Reporting Act, I expect a response within 30 days, and I request that you notify me of the results of your investigation.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Specifically, Section 1681i mandates that you investigate disputed information and correct any inaccuracies within 30 days. Additionally,
Product: Credit reporting

items still remain on credit report after being paid and released by state of georgia and XXXX XXXX
Product: Credit card or prepaid card

hi i been using a acct with direct express i get ssi benefits from Social Security comerica bank has something to do with them i also know comerica bank has been under investigation.i cant use my card i have over XXXX dollars in the acct i been trying to call customer service from 6am 2pm no one answers it gos to a recording in all my years of doing bussiness with a financial institution this has got to be wores this is absolutely total freaking garbage they need to be shut down they need to be gone have nice day ....
Product: Credit reporting or other personal consumer reports

Ive check my credit report and notice several unauthorized credit inquires.
Product: Credit card or prepaid card

My direct Express card was declined 2 times When I called in CS was rude and hung up. Spoke to supervisor whom informed me a new card was sent out to and address in NY. I live in Florida and have. never been to NY. They were supposed to cancel that card. 1 week later I called in there were 5 transactions in XXXX NY. And XXXX, NY 2 transactions at XXXX {$350.00} {$390.00} There 3 Transactions at XXXX for {$500.00} tea. Plus they charged me Fees for 3 new cards at around XXXX Delivery plus XXXX card fee. They left me with a negative balance of XXXX. They can't verify me so they won't tell me anything. This started XX/XX/XXXX and have yet to resolve it. 

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

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Payday loan, title loan, personal loan, or advance loan

I have an account with Klarna. I used a " digital card '' to make a purchase online, from XXXX. Klarna billed me XXXX  for the same order. I have spent XXXX hours in total, with all evidence ( photos of the discrepancy ) and the order number of the error. They no longer have an option to speak to a human for resolution, but they use a " chat ''. I was on hold, in question, for XXXX minutes. When my turn came, it was automated responses to my factual concern. Today, XX/XX/2024, I " chatted '' with another representative who stated that they can not " see '' what is on my screen from the app. I advised that I was not going to pay it and that I will report this unscrupulous business practice. This is the XXXX  time this has occurred and Klarna advised that the double charge was a " temporary hold '' that would drop off in XXXX to XXXX hours. This has not happened and it is XXXX weeks in.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX5 U.S. Code 1605 - Determination of finance charge U.S. Code ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 
This is loan is not valid
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 Here is the item I am asking you to verify as accurate ( XXXX XXXX ) account number as follows ( XXXX )
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 for 30 days late!!! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

On XX/XX/XXXX i was charged a {$4.00} late fee, on XX/XX/XXXX i was charged a {$37.00} late fee, on XX/XX/XXXX i was charged a {$37.00} and XX/XX/XXXX i was charged {$37.00} late fee. XX/XX/XXXX a {$37.00} late fee, also on XX/XX/XXXX a {$37.00} late fee and on XX/XX/XXXX a {$37.00} late fee was charged to account. Children place has not sent me my billing statement EVER SINCE OPENING THIS ACCOUNT. Children Place, comenity bank has charged me late fees even when my payment was not late. 15 USC 1666b- timing of payments state that 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 1637B of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. This creditor is in violation of 15 USC 1666B by considering my payments late in charging me late fees and finance charges for payments that were not late. I demand this creditor to prove they have reasonable procedures designed to ensure that my periodic statement was mailed or delivered to me no later than 21 days before the due date including the information required by section 1637B of the FCRA.

Childrens Place needs to prove they are not willfully violating the law and prove the mailing/delivery of my billing statements I have not EVER received my periodic statement 21 days before the due date or at all from this creditor since the opening of my account yet this creditor still automatically charges me late fees, which is in violation of my rights under the FCRA. I have attached the email Childrens place sends me about 10 days before bill due, it doesnt satisfy the information required by law in a billing statement.