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

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Checking or savings account

My card number was stolen and used for several purchases for XXXX which is a service that I do not use. When I informed bank of America about these charges the lady informed me that there was a gross amount charged to may account in the last month for around XXXX. she then informed me that I would receive that money back to my account in 10 business days. The charges occurred XX/XX/2022 up to XX/XX/2022 for amounts ranging from {$25.00} to {$44.00}. I have been with Bank of America for years and if they would have check my prior history they would know I would never utilize any funds to order something like XXXX XXXX. The fact that they would not even help in getting this taken care of is abhorrent. I will no longer be a client at bank of america.
Product: Credit reporting or other personal consumer reports

On all theee credit report I have called XXXX XXXX XXXXk and asked for proof of these late payments that go back to XXXX and XXXX and the repress that I have spoken with tells me they cant even see whats on my report back that far. I have sent numerous request to have this removed and XXXX XXXX has not removed this inaccurate information. I also provided a police report that the bureaus told me to file since I was also a victim of identity theft and I have asked once again to also have these inquiries removed as well. Nothing has happened and this being reported on my credit report is holding me back from obtaining a mortgage
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have a loan out threw ez money and they are threating me with court i live in iowa im low income they had someone serve me i owe XXXX i need to set up a payment plan check cashing i haven't received any phone calls to settle this debt or any mail i feel like there trying to scare me in to paying the amount i understand its owed to them but i can't afford much with one income and XXXX kids XXXX XXXX
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX and the following inquirires as well CXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company XXXX XXXX XXXX To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to XXXX. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID Theft and someone made several attempts to acquire credit in my name. I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Product: Credit reporting or other personal consumer reports

I open a XXXX  account with a line off of {$750.00} credit limit on XX/XX/XXXX I paid it off on XX/XX/XXXX I open another account with XXXX around XX/XX/XXXX of XXXX. They reported late payments on that account. Ive been back-and-forth with them over a year to correct their mistakes and try to close the account and get a refund. They refused to refund my money they refused to correct the mistakes on that account, and still in accurate information destroyed my shoppers cart and my reputation for my credit worthiness reporting app. I also been going back-and-forth with Equifax experience and now XXXX on an FRCA 15 USC 1681. I am due for an accurate credit report experience Equifax and XXXX XXXX help open a different open dates different closes dates last reporting dates different dates of last activity late payment dates is different on all three and Im sitting pictures so you can see for yourself which is a violation of my rights, Ive been disputing this. They failed to comply with the laws on the FCRA as their duty to correct the information on my credit report which after 30 days it have to be deleted.
Product: Credit card

Double charges of interests. 
Macy 's charged me interests several times for one time of late payment. I was late for a payment once, and there was a late fee and interest. I paid the full amount, {$95.00}, and this amount included the late fee AND the interest. This was due on XX/XX/2016, and I made the payment on XX/XX/2016. But Today, I found out that they charged me interest ( something called minimum interest of {$2.00} ) for XX/XX/XXXX AGAIN after this payment. Since I made the full payment before the due date, I am not supposed to owe any more interest. But they charged me again for the interest. According to their way of calculation, even if I pay the full amount, I am still owing another interest. Then, when am I ever done with the full payment? I will always be in debt, wo n't I? This is an out right exploitation and fraud. I never heard of anything like this. The amount is small. So, it is not about the amount. I am sure they have exploited MANY consumers this way. Today, I paid {$6.00} total for the double interest that they claim that I have to pay. Since Macy 's have a lot of customers, I am sure that a lot of consumers are subject to this act of fraud.
Product: Checking or savings account

I noticed on my last statement I was receiving non Wells Fargo atm fees. This is something I have never had before. I called in and the first representative said they needed the dates of the fees or they couldnt be looked up. I knew that was incorrect and requested escalation, the next representative also said they could only look up by dates the fees were assessed as well. Im tired of being lied to by Wells Fargo. I told the representative to look at the past 90 days an amazingly she could see the fees and kindly offered to reverse 2 of them. They have the nerve to lie to me and treat me like Im not intelligent enough to know they have all the fee information right in front of them, what an insult.

This company continues to show how they are out to defraud the consumer.
Product: Debt collection

I have received a call from the First Collection agency for an amount of {$550.00}, I did asked the representative who send me the details who issued the bill. The agent couldn't share that information and I do not recollect which hospital sent this bill. By the time I found the details and asked XXXX XXXX XXXX XXXX, they mention its not correct bill and issued a new adjusted bill. First Collection Agency already reported to the credit bureaus which impacted my history drastically. 

I immediately made the payment on the adjusted bill, have they did this earlier I could have made the payment of {$310.00} with the hospital itself. Also this bill wouldn't reported to credit bureaus as the rule says any amount under {$500.00} will not be reported to the bureaus. 

This mistake by the creditor did the damage to my credit history, I have 100 % payment history in 10 years of credit history.
Product: Credit card or prepaid card

I was working from home on XX/XX/2022, when around XXXX i received a notification stating that {$400.00} was withdrawn from ny chime card, i immediately looked inside my wallet to see if i lost my card, my card was inside my wallet. I Live in XXXX XXXX GA, the transaction took place @ an ATM on XXXX XXXX in XXXX. I immediately called chime to let them know it wasn't me that withdrew money from my account, they stated they will run a investigation, they denied my claim, i called back & asked them why, they stated they could not tell me the reason why. I asked my Supervisor to send me my timesheet from work that day, & i sent info over to Chime. I have not heard anything from them regarding this. My money was somehow taken out my account without my card or pin. They have denied my claim for the 3rd time with no explanation. I've sent them a pic of my card that evidently someone copied because i was home with my card with me on the day the incident happened.
Product: Debt collection

THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.
Product: Debt collection

I have a a unverified account from EOS CCA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EOS CCA purport I owe. I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Product: Credit reporting or other personal consumer reports

I have been sending disputes to XXXX since XX/XX/2023 about my identity theft. This has been the worst experience as I am trying to get back to normal. 
XXXX removed the items from my report. Attached. Everybody did an investigation and the other credit bureaus deleted it. What information do you have that these items are accurate? I have been requesting since XX/XX/2023 for them to send me what they have to prove that these items are accurate, and they have not. Here is the list of the accounts. 

XXXX XXXX XXXX XXXX XXXX Payoff XXXX
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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX - WASHINGTON add a hard inquiry on my credit report per XXXX The report does not include information about the creditor. On XXXX. XXXX, 2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report per XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

American Express closed all my of credit cards due to known XXXX  fraud and felony identity theft.
Product: Prepaid card

Amex gift cards can not be used to purchase items online. Are only acceptable at few places and once used for less than the full amount become locked. 
Very frustrating - Thanks - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Had some fradulant transactions on my Card.com premium Card and disputed it with them with police report and all information that is was fradualant. and they denied my disputed. refused to give my money back and closed my account which hurt my credit and cant open any new accounts.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX Social security XXXX got deposited in my roar account threw MoneyLion which XXXX Handels there accounts a transaction went threw for {$1100.00} my whole check got an email saying the number associated with my account was claimed by someone else the number was XXXX Have no clue whos number this is my number on my account is XXXX an the funds were transferred to XXXX his roar tag is $ XXXX XXXX whos account my whole XXXX of {$1100.00} dollars went Into I have XXXX that will not have a XXXX over this nor anything I just want the right thing to be done well MoneyLion said they investigated an found nothing wrong I couldnt beleave this
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My First Horizon Business Checking account was opened on XX/XX/XXXX with a required {$100.00} initial deposit. 

The terms and conditions for the promo bonus XXXX are listed as : XXXXTo qualify for the {$400.00} bonus, open a new XXXX Checking, XXXX  XXXX  Checking, or XXXX  Interest Checking account by XX/XX/XXXX, deposit at least {$5000.00} within fifteen ( 15 ) days of account opening and maintain an average daily collected balance of {$5000.00} for the first three ( 3 ) full statement cycles and conduct a minimum of twenty ( 20 ) qualifying client-initiated transactions within the first three full statement cycles in the eligible First Horizon Bank checking account . 

A deposit of {$5000.00} was made on XX/XX/XXXX, which is within 15 days of account opening as required by the XXXX XXXX XXXX XXXX XXXX XXXX ) qualifying client-initiated transactions were made on XX/XX/XXXX as required by the XXXX XXXX XXXX XXXX 

Despite fulfilling all requirements for the account XXXX XXXX First Horizon Bank denied payment of my {$400.00} bonus. The reason given was that I did not have an average daily collected balance of {$5000.00} for the first three ( 3 ) full statement cycles. 

The avg daily balance for XXXX and XXXX were less than {$5000.00} since my required deposit of {$5000.00} was not made until XX/XX/XXXX as stated and allowed under the initial 15 days funding period. I have not withdrawn any funds since depositing them. 

After depositing the {$5000.00} amount, I spoke with XXXX XXXX, a bank branch representative about the fact that my XXXX statement would not have a {$5000.00} avg daily balance since the deposit was made on XX/XX/XXXX. XXXX XXXX said she would investigate the issue and get back to me with an answer concerning bonus eligibility. A couple days later we spoke again and I was told by XXXX XXXX that my first full statement cycle would be XXXX and as long as I had an avg daily balance of {$5000.00} for the XXXX, XXXX, and XXXX statement cycles I would receive the bonus without issue. 

I have fulfilled all requirements for the account promo bonus at First Horizon Bank and would like help receiving my {$400.00} bonus payment.