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

On XX/XX/2019 I received a notice that I needed to make a minimum payment on a Gap card I never opened. 3 weeks ago I had been in store using my new XXXX card to make a purchase and the associate said she couldnt find the card in the system. I called XXXX to verify my card was working and was told it was, so the associate took my information to manually look it up in the system. To my knowledge, it went through as I paid and left with my items. However, after calling Gap to question why there was a card open, it appears the associate just opened me a store card without telling me what she was actually doing. XXXX is affiliated with Gap so I should have had no trouble using my card and dont understand why this happened. I called Gap and they said I am responsible for the Gap card now even though it was opened under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXXXXXX XXXX  XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXXXXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax to file a dispute on my credit report and I'm not happy with the investigation results because the negative information on the report still remained even though there is no proof that I opened the account. The following account is opened as a result of fraud and I'd like Equifax to remove this account permanently off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : {$380.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Product: Debt collection

I received notice via an alert from a credit monitoring service on XX/XX/2023, that negative information was added to my credit file. Upon checking my credit report dated XX/XX/2023, I encountered a collection account being reported from Central Portfolio Control. 

I have not had any communication with this company, and now they are reporting negative information on my credit file. 

The collection account indicates {$320.00} due, an open date of XX/XX/2023. It shows an original creditor as XXXX. Contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to obtain a vehicle loan in my name fraudulently
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off on my credit report opened on XX/XX/year> is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the bankruptcy court asking if they sent any information to any credit bureau agencies on information on me and they responded with a letter on XX/XX/year> clearly saying they do not and did not send any information pertaining to a bankruptcy to any credit report agencies. The information pertaining to Transunion, XXXX and XXXX and all credit reporting agencies are in accurate, false and misleading. It is hurting my credit score and damaging me commercial.
Product: Credit reporting, credit repair services, or other personal consumer reports

pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC 1692K they as in XXXX XXXX, XXXX, XXXX, and TRANSUNION are all in default of these {$1000.00} violations of my federally protected consumer rights.
Product: Vehicle loan or lease

I made my payment sometimes twice a month or abd every month the balance never go down please I need helps
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed XXXX XXXX XXXX to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. Experian informed me that the matter was being reported by XXXX. XXXX wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. 
XXXX requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from  my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with XXXX and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my Amazon store card account, managed by Synchrony bank. I needed to change the amount of my auto-payment but the site only gives you the option to cancel and then re-enroll with a new amount. I proceeded to cancel my autopay amount that was set to pay XXXX on the due date of each month. I received an email that confirmed the cancellation had been processed and as long as the date of cancellation was not less than 5 before the due date, the payment would not be processed. My due date was XX/XX/XXXX, greater than 5 days. The email also stated that I can re-enroll in autopayment at anytime. 
I then went back into my credit card account and re-enrolled in autopay and set the payment amount to XXXX. I received another confirmation stating that my new payment amount had been processed and would be deducted on the due date. 
On XX/XX/XXXX, XXXX deducted from my account. 
I noticed the amount debited from my bank account was twice what I expected, so on XX/XX/XXXX, I reached out to Synchrony Bank 's customer service via live chat and was informed by a representative that if someone cancels autopay and THEN re-enrolls, the system would debit the amount PREVIOUSLY cancelled -- and NOT honor the new amount that was just entered. This was NOT communicated to me in either email, nor is it a conscionable practice considering it is not possible to simply change the amount of the autopayment, you MUST cancel and re-enroll, so these details should be communicated. Additionally, the fact that the initial cancellation confirmation mentioned re-enrolling in auto-pay but did not mention this very important bit of information concerning the amounts is very deceptive, as is the fact that the representative noted that it is a " known issue '' they are working to resolve -- known issues should be communicated clearly to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed accounts have still been reporting false & inaccurate information on my credit report the is a violation of my rights has been affecting my credit worthiness. 

Accounts : XXXX XXXX
Product: Credit card or prepaid card

I overpaid my Home depot credit card on XX/XX/XXXX by {$1000.00} and have called 8 times and 9 hours on the phone to receive the refund back. They've told me several times they will return the money, but still have not done so. I've proven thru XXXX XXXX XXXX it was sent directly from my account. They have acknowledged receipt of the payment and overpayment and keep telling me " the check is in the mail ''. I've given them my banking routing numbers ... and still have not returned the funds as of XX/XX/XXXX. It's my understanding they are required to return my $ $ no later then 7-10 days. It's been 21 days and I want my money back that's due to me.
Product: Money transfer, virtual currency, or money service

End of XXXX of XXXX and beginning of XX/XX/XXXX I tried to put a dispute with Zelle and they did nothing to help me out and my concerns. CFPB is taking action and hopefully can get my complaint resolved. I dont understand why its a repetitive thing for this to happen to not only me but many others that are being scammed and fraud. Zelle needs to be held accountable for all the neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a request to all three major credit companies, Equifax, XXXX, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company Equifax on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other two companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I've consistently maintained prompt payments on this account, preventing any instances of overdue bills. However, I'm puzzled by the presence of late payment notifications on my records. According to 15 USC 1666b - Billing Error, this discrepancy should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a third party, I am victim of identity theft
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. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

The stated date of first delinquency has been reaged. However, given the currently stated date of first delinquency this account is still well over five years old. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. Written contract or liability : 5 years. Contract or liability that is not written : 4 years. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items are listed in my report. 

I am also a victim of Identity theft and did not make any of these charges. I ask that the items be deleted and corrected on my Credit Reports. 

I reported these thefts of my identity to the Federal Trade Commission and also I enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 

Please delete and correct all items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. 
The list of accounts below has value 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. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

THERE ARE NO WRITTEN CONTRACTS STATING THAT I OWE THIS DEBT TO THIS COMPANY ; I HAVE NOTHING STATING THAT I OWE THIS COMPANY SCA COLLECTIONS ; PLEASE REMOVE
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Information in Credit Report Account : XXXX I am writing to dispute the following information that XXXX XXXX XXXX have attached to my credit report. Enclosed are copies of police report for identity theft. Please reinvestigate this matter to have them delete this account as soon as possible. 

Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report Sincerely, XXXX XXXX Enclosures : Police Report
Product: Mortgage

Hello, I need to file a complaint about Huntington Bank. I am unable to access my mortgage online. I receive this message : " You have encountered an error. If the problem persists, please contact lender support. '' This may seem like a simple problem and one may ask why escalate it to consumerfinance.gov but I have called weekly since XXXX. If I had to guess I am on the phone for an average of XXXX minutes each time. I have an original ticket number of XXXX. I did not ask for any reference numbers for the phone calls or any names of any agents prior to last week because I assumed that this was a simple fix and it would be resolved at some point. I was promised on XX/XX/XXXX that it would be completed by XX/XX/XXXX but it's now XX/XX/XXXX. When I called again today, the agent I spoke to stated after speaking to the service department they had closed the ticket out stating it was resolved. It is causing undue hardship to call every week just to check on the status of my mortgage and also to have to keep following up on a simple fix to my online banking account. I'm hoping that reaching out to the consumer finance department will help me resolve this issue. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. Equifax-XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX