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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On Saturday, XX/XX/XXXX, someone somehow got into my phone account, cancelled my phone plan and had all of my messages and calls directed to his phone. With this, he was able to get verification codes to my mobile banking and change all my passwords, made XXXX and XXXX accounts in my name, and withdraw funds from my account. Along with this, he hacked my XXXX account, XXXX account, and created accounts and debit/credit cards in my name. This was all done between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX when I realized something was wrong. My bank, XXXX XXXX, sent me verification emails about all of the things he was doing, but with my phone XXXX I wasn't able to call. A friend called the bank for me and they said there was a hold/freeze placed on my account on XXXX, XX/XX/XXXX. On XXXX XX/XX/XXXX I physically went into the bank to get all of this sorted out and make a fraud claim, and they said there was no hold or freeze or even any notes on my account about my call or anything. They closed my current account and opened a new one for me, and contacted the fraud department. They went over all of the charges to make sure which ones were mine and not mine. There are over XXXX emails to sort through from a range of different companies, I haven't even sorted them all out yet. But most of them are verification emails, not scam emails. The tellers at the bank confirmed that the emails were sent from their legitimate email.
Product: Bank account or service

I bank at Citizens Bank. The Citizens Bank I use often to withdrawal funds as ATM issues on a regular basis causing me to have to use other ATM 's that are not Citizen Bank owned. In the last week and a half alone among other times throughout the month the ATM machine has been down or the bank was roped off due to a robbery causing the use of NON Citizens Bank ATM 's. I was charge a number of fees they consider 'Convenience Fees '. When I called the bank to discuss the fees and the reasons why I was charged them, they only agreed to reverse XXXX of them. It is not right to charge a consumer fees for something they are supposed to supply and are unable to for whatever reason. To call it a 'Convenience Fee ' when it is clearly not a convenience it not right.
Product: Credit card

This complaint is with my Discover card account. I had n't used my card in over a year. In XXXX and XXXX, 2016, i had 2 automatic payment deductions from my bank account, as i had auto pay set up. Since i had not used my card, I contacted Discover card and found a fraudulent charge in XXXX 2016 from Intertrade corp for {$100.00}. They closed my account, issued me new cards and stated i am not responsible for the fraudulent charge and subsequent payments. They provided a credit on my new acct. of $ XXXX+ for the XXXX charges against my bank acct. I used the card to bring the balance to almost XXXX. Then Discover keeps putting the {$70.00} charge back on my card. Each time, ( 6 times contacting them about the same issue ) they reverse the charge stating they have no idea why it keeps getting put back on, as the entire transaction was fraudulent to start with.I last spoke with Discover on XXXX/XXXX/2016 about this, on XXXX/XXXX/2016 my balance was again brought to near XXXX. On XXXX/XXXX/2016 the {$70.00} charge was back on my card. I am calling them tomorrow ( XXXX/XXXX/2016 ) for the 7th time regarding this fraud charge. I have no faith in their ability to resolve this matter. I want to have this resolved, so i can close this account without negative repercussions on my credit report. Any help would be greatly appreciated, as i am getting nowhere speaking to their customer service.
Product: Credit card or prepaid card

My old card was lost so I requested a new card. However when I received the new card I couldnt activate it because the bank put a block in my card/account. I called them multiple times to remove the block so that I can activate my card but why just wont do it. I have been using the card to receive my unemployment benefits payment for a little over 6 months now and its always a problem using the card. Every time I tried to make a purchase ( it could be something as insignificant as buy gas ) they would block it and I would have to call and be asked a whole lot of questions to make sure Im me. Of course every time I would answer all the questions correctly and they would remove the block. However, this time, they refused to remove the block and they also refused to ask me the identity question. I asked them to close my account and send me the remaining of balance via check, they refused to do as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX Balance {$14000.00}
Product: Debt collection

I received an SMS message on my phone : This is Unifin, a debt collector. Contact us about ref # XXXX or call XXXX or XXXX XXXX  The phone number in my messages appeared to come from XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

I want to remove any late payments in my XXXX XXXX account, XXXX XXXXXXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX MUNICIPAL XXXXXXXX XXXX  Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' Capital One is reporting different amounts with XXXX reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit. I have tried to get this resolved with the company without success. As a result, I would like to have this account removed from credit report.
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 to ensure receive here are the items I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under investigation and re inserting disputed negative items on credit reports. Not validated and informed of findings
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit card or prepaid card

I signed up for a Self secured credit card. They are holding {$200.00} of my money as security. I never received the card, it was never active yet they charged my bank account a {$25.00} minimum payment. The balance was XXXX and they charged {$25.00} and do not show a credit. This is in addition to an annual fee of {$25.00}. ( Two separate charges ). I spent XXXX minutes on the phone explaining this to them but the agent tried to convince me for XXXX minutes that the minimum payment deducted was actually the annual fee. I called them back later to close the card but i was bounced around from department to department, but no one would close the account and refund the {$220.00}. I tried again later and it was the same situation. 
I do not have the card number because i never received it. In my opinion self.inc is a business acting fraudulently and should not be allowed to operate a credit card company. I am sure that you had many other complaints. I would like to get my money back and hope you will restrict them from operating a credit card scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  It's showing that I've have several late payments and charge-offs. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on two credit bureau 's report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up.

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Debt collection

In the debt collection agency receiving my account information, I set up autopay to get the account paid off in a timely manner. There have been multiple issues with them not taking scheduled authorized payments then taking multiple payments at once. XX/XX/2022 and XX/XX/2022 are around the dates these issues have happened. Being they took no payments in XXXX, I am having to pay the rest of the account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows late on both XXXX and Experian. Requested to be fixed by XXXX XXXX and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Product: Debt collection

Ive detected ID Fraud. I noticed once I ran my credit to purchase a home and seen accounts that I did not open.
Product: Money transfer, virtual currency, or money service

I have had charges in my account for {$75.00} a few times & was not able to talk to anyone about the my account in cash app. My card was locked for no reason & is still locked & again I had no one to speak to about the situation. I emailed them my information but was never contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX, XXXX and Chex Systems Inc were reporting incorrect information on my consumer reports. I then investigated the accounts to see when they were opened and how they were used. I came to the conclusion that my information was used fraudulently to open and misuse accounts that I had no knowledge of. I contacted the entity who allowed the account or credit line to be opened and informed them of the fraudulent activity. I then wrote three letters to each furnishing company that was reporting the information ( XXXX, XXXX and Chex Systems ). I wrote a dispute on XX/XX/XXXX, requesting proof of how these accounts were opened and asking that all the information be changed to show accurate information. I then wrote another letter on XX/XX/XXXX, because I had heard no correspondence in regards to my concern of the inaccurate information shown on my consumer reports and asked that they be investigated and deleted if not deemed accurate or correct. I proceeded to call the companies on XX/XX/XXXX, to make a over the phone dispute of the inaccurate and fraudulent activity that had been placed on my report and still received any response. After a week on XX/XX/XXXX, I sent a cease and desist letter to the three companies mentioned to permanently erase the inaccurate and fraudulent information. Under the Fair Credit Act, these companies have not investigated and provided proof of accurate or correct information on my consumer reports which is stopping me to handle legal and personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TOYOTA MOTOR CREDIT CORPORATION, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT CORPORATION and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CORPORATION with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been notified on several attempts that I can not access my credit report they just keep telling me to call back at a later date maybe give their system time to refresh I have tried this several times
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old reports on background screenings that still shows up when applying for employment even after providing documentation from court as evidence that there was an error made by mistake. In XX/XX/2019, I was notified by certified mail from another XXXX XXXX XXXX in regards to a criminal case that occurred sometime in XX/XX/2019, and I was one of the victims listed for identity theft and my personal information including drivers license was compromised.
Product: Credit reporting or other personal consumer reports

Citizens pay I just ruined my credit doing a backround check. 

On the XXXX XXXX page there is an option to pay with financing through citizens pay. For this I must apply to a line of credit. I applied and was approved. Now I try to make the purchase and it says that this payment method does not work. I tried talking to XXXX XXXX and citizens pay and neither one knows how that financing works. It's a complete scam!!!
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of fraudulent or compromised information.

Section 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing consumer reports. 
After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a violation of federal law. 

I request an immediate investigation and a written response confirming the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report for experian on XX/XX/23 and noticed inaccurate information. I got no response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/23 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter on XX/XX/23 saying that the dispute was, in fact from me, and that they were trying to waste time. Two weeks later, I got ANOTHER LETTER STALLING THE PROCESS. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ... XXXX, Transunion, XXXX have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.
Product: Credit card or prepaid card

I responded to a free offer from BestBuy for a free consultation to get better wifi in my home. They charged me {$99.00} from my credit card for the appointment to make sure i would be there. The day of the appointment I received a call and a gentleman that wanted to know exactly what kind of wifi hookup I wanted. I told him I didn't want a hookup I wanted a better signal. He shows up ; we had a brief consultation, He exited and told me that I should not be charged for the visit but if it goes through he could get the {$99.00} removed if I purchased the one year contract for installation of an echo systerm. Once back at the store he informs me that they do not have it in stock. There are two websites up at present time that BestBuy is running promos on that are false and misleading. The one I responded to is for a free consultation the other is 1C. Neither is free if they don't take the deposite down and you get hooked into paying what was offered for free. Its on the same principal as TXXXX  Find anyone for free until you get a bill for a subscription service. Totally bogus and this store should be prosecuted.