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

My credit card information was compromised through a purchase I made through XXXX  in XX/XX/XXXX. I learned of where my card was compromised in early XXXX, after I reported the credit card fraud to my bank, Bank of America. On XX/XX/XXXX, my card was charged three times, in amounts of {$1.00}, {$41.00}, and {$45.00} and on XX/XX/XXXX, my card was charged 8 times, in amounts of {$43.00}, {$41.00}, {$41.00}, {$41.00}, {$48.00}, {$41.00}, {$47.00}, and {$41.00}. Total is {$430.00}. These purchases came from the merchant name, XXXX under the category Shopping & Entertainment : Clothing/Shoes. None of these transactions were made by me and as soon as I noticed, I called Bank of America to cancel my card and report the fraud. Bank of America refunded me initially, but then re-charged me when they received some sort of delivery notification for these transactions. I reopened the case as I did not receive any of these fraudulent purchases. I told the agent with BoA that I have not made a purchase on XXXX since XXXX and that credit card was never attached to my account. I also confirmed with him via recordings on my XXXX XXXX that no packages were delivered when he said they were. He could not confirm the delivery address, only that they had been delivered. They denied the case once again, so I opened it back up and the agent I talked to the third time suggested opening a police report to help get me a refund for these fraudulent purchases. I did that on XX/XX/XXXX and the police report was approved by XXXX XXXX Sheriff 's Office on XX/XX/XXXX. I visited a Bank of America branch on XX/XX/XXXX and brought in a copy of the police report, screenshots from my XXXX account that show I have not made any purchases, and a letter from divvyupsocks.com that states my card was compromised. Both the agent in the branch and the fraud service agent on the phone apologized to me and told me this should be more than enough to get this taken care of. The documents were faxed over that day. I also asked at that time to receive whatever proof of delivery they have. They said they would mail it to my home address. I have yet to receive that or any notification that it is being sent to me. I have received nothing from Bank of America that shows they have proof of delivery for these fraudulent purchases. I received a letter in the mail dated XX/XX/XXXX stating that my fraud claim was once again denied. I will be visiting the branch again today, XX/XX/XXXX, to re-open the claim and let them know that I've filed this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, Equifax for violating the Fair Credit Reporting Act ( FCRA ). I believe that inaccurate information is being reported on my credit report and I am requesting that this information be removed in accordance with the FCRA laws. 

I have recently reviewed my credit report from XXXX, XXXX, Equifax and have discovered that there are several late payments listed that I believe to be inaccurate. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to change the payment due date over the phone and never did so, resulting in an error.They agreed to remove the late payment. 

XXXX XXXX also needs to be removed as this reporting is unlawful. 

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score. 

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX, XXXX, and Equifax but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, XXXX, and Equifax have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 
623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, XXXX, and Equifax take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, XXXX, and Equifax fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

As the XXXX bureaus have not done a lawful job of investigating, I need these accounts removed. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Credit reporting

I made a purchase in XXXX and XXXX of XXXX with My XXXX XXXX XXXX XXXX XXXX. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases. I received a call from a credit agency in XXXX of XXXX linked to XXXX XXXX. I called XXXX XXXX directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full I have come to find out they negatively reported ( account closed for non-payment ) to Equifax and other bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XXXX XXXX and XXXX stating they would be taking {$250.00}. 
This is deceptive. They did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee. When I called back they agreed to return XXXX {$19.00} late fees. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
There practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper or electronic notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to mentioned this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies XXXX and Equifax told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the Equifax system as frozen after it was disputed, it was explained to me by Equifax customer service this wasn't done by them that XXXX  / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXX XXXX  questioning this and got nowhere with them, XXXX is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.
Product: Checking or savings account

This company hacked my checking for XXXX I never used this company I do not live in New York I haven't heard of this company and never used them. Now I have to go to my bank and straighten all of this out. This company is corrupt. 
and should not be operating. 
This company needs to be investigated. They should not have my personal information I never used them and never heard of them until they hacked me.
Product: Mortgage

This started when I tasked my ex girlfriend to call around for solar panel installation quotes. She immediately called XXXX XXXX XXXX XXXX XXXX XXXX XXXX out electric provider and they suggest XXXX XXXX. I found this strange that a non-profit, coop was suggesting any solar company but maybe they get a kickback from it I didn't not know. However I wish they'd never suggested XXXX. The salesman from XXXX, XXXX, put great pressure on myself and my ex, he wouldn't take no for an answer and the under great, great duress I caved and signed a bunch of things I wasn't in agreeance with. He did change the terms to make it slightly less of a bilk but the cost is beyond any reasonable cost, nearly {$70000.00} for ground mount solar. Too to my complaint is that they use Sunlight Financial as the financial institution, there are a mountain of complaints against Sunlight for bad business practices. I didn't really have an issue until this month when they raised my solar fee from {$250.00} to {$320.00} without so much of a warning. They think people do not check their statements and wouldn't expect such a hike. Upon speaking with customer service who were very rude and stated that the company want XXXX % of the total loan to keep the rate the same. I was told by XXXX that I could pay with the tax credit over 20 years to pay off $ XXXX and that the rate would stay the same if I put a XXXX or so on the principle upon receipt of tax credit, which I did. I paid several thousands off on the principle and yet they still raised my rate, without my knowledge in an attempt to cause me to default on my payment so that they can take my house. They also tie in XXXX XXXX XXXX to make the consumer create an account which the them as well for some reason. These XXXX companies are all in bed with each other to bilk the consumer out and f thousands and thousands of dollars. Hardly any of the payment goes to the principal and it isn't right. I want to speak to someone about this Ponzi scheme and am wondering how f a class action lawsuit can be filed for considering the long list of very upset customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEMS and XXXX has ruined my credit report by inaccurately reporting a closed auto loan on my XXXX credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect credit score. I never missed a payment on that auto loan for account number XXXX XXXX currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEMS and XXXX has violated my rights and grossly misreported a closed charged off auto loan onto my XXXX credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. JEFFERSON CAPITAL SYSTEMS owns this account and has sent me a letter saying they have terminated collections and have closed the account so I DEMAND that you remove this charged off close negative account from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report immediately. I am unaware of their origins and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. The necessary documents are attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is committing fraud in my name. Capital One needs to remove every closed account controlled by the institution immediately on my credit file or I will be suing for damages.
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 items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically XXXX, TRANSUNION, and XXXX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did nor authorize company to make an inquiry on XX/XX/XXXX. I have 2 vehicles with Affinity which were purchased same day in XXXX.
Product: Credit card

pulled credit report and im reporting fraudulent activity found on report that needs to be removed thanks.
Product: Credit reporting or other personal consumer reports

Starting the XXXX of XX/XX/XXXX my XXXX XXXX which had a {$1600.00} credit balance but zero ( {$0.00} ) charge balance suddenly had charges appear. To XXXX credit I was notified of sudden charges that did not fit my pattern. They were all eventually removed from my account ( mid XX/XX/XXXX ). I found out that the person who committed my fraud problem actually changed all of my information on my account from address to email accounts. I could not verify my identity so that I could get everything monitored. I was requested to send a copy of my drivers license and a letter verifying my identity. They acknowledged the letter and reset everything. In XX/XX/XXXX I was notified of a {$2600.00} Charge Off ( CO ) from XXXX was recorded. I tried to access my account and again I was not allowed as it was not my personal information that was on my account. They refused to acknowledge my information and demanded another letter with my personal information attached. I again complied and sent a copy of my initial police report on the theft in XX/XX/XXXX. I have sent copy after copy of the report. The investigator in New Mexico has provided his personal cell phone and email address as well as the investigations department number and email for any and all creditors to validate the fraud. Now I can not get them to take off the fraud which has destroyed my credit and I can not complete the purchase of my house due to this fraud. I am a XXXX XXXX XXXX XXXX XXXX XXXX  veteran. Who is XX/XX/XXXX and if I did not have the kindness of a relative my family and I would be homeless. Please intervene. I can provide copies of the aforementioned information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfairand deceptive. They did not comply with the resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great XXXX, XXXX, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX Balance : {$5000.00} OFFICE OF THE ATTY GEN XXXX Balanced Owed : {$25000.00}
Product: Credit reporting or other personal consumer reports

The credit card XXXX didnt report my XXXX reported 30 days late and Experian reported on time. The closed date on XXXX, XXXX was XX/XX/XXXX but it was still listed on those XXXX reports as still open XX/XX/XXXX. I did not authorize with signature the account that was charged off to another company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) account opened without my consent. 
Victim of Identity Theft fraudulent account opened without my consent. 
I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days.
Product: Credit reporting or other personal consumer reports

The family protection act. I never authorized the XXXX XXXX, XXXX, transunion, and all credit reporting agencies to share my student loan information it violates my privacy. I have had ID theft reported in XXXX  that was significant. It was disputed and removed. There needs to be more privacy rules preventing these companies from acquiring our information without consent. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX