23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transunion is reporting information that certification has not been given with my consent to report any accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Your company has violated the Gramm -Leach-Bliley Act
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through XXXX I click that option when I get redirected to XXXX I could either use my XXXX card balance or add my banks debit card to my XXXX account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the XXXX website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought XXXX wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from XXXX. so I dont have any credit. I have a clean slate. If I new it was a credit card application I wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling XXXX customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call trans union and tell them to put it ask fraud because they cant find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXXXXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. 
They then requested that I send a letter stating my concern to : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of Equifax with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : Equifax info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.
Product: Bank account or service

I recently opened a Citibank CitiGold Checking Account that was advertised to have a signup bonus of XXXX AAdvantage points upon the completion of two consecutive bill payments and {$1000.00} in debit card purchases. After signing up with the intent to complete these requirements a Citibank representative confirmed that the offer applied to my new account and that I should complete the offer requirements. This confirmation was communicated via their online secure message feature, and I have attached a copy for reference. 

Once I completed the requirements as directed I inquired about the expected delivery date of the earned bonus via secure message and I was told that my account was not targeted and that I would not receive the bonus as promised. This conflicts with what I was previously told and I have already spent a considerable amount of time to meet the requirements as directed. 

Upon receiving this news I insisted that Citibank had confirmed my eligibility and that my case be escalated to ensure that my bonus be credited to my account. Citibank was not willing to escalate the issue and simple replied with the same response already provided. After multiple messages were exchanged in which Citibank would not resolve the issue, I have decided that the next step toward resolution is to file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # 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 a account without my written instructions
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 account 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 account 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$190000.00} 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: Credit card or prepaid card

I used a discover card for a purchase on XXXX XXXX  for a vacation rental. The rental property didn't exist and so I was charged money by a fraudulent person through XXXX  using a Discover Card. I notified the police immediately in the town and had them run an investigation in which they pursued people of interest and sent the report to Discover Card. Discover Card after an internal investigation ruled against me and ordered me to pay the penalties and interest. I will pursue this further but would like to initiate a formal complaint that their dispute process which agreed that I can be billed for a service that I clearly never received.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX ) XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I called chexsystems in XXXX in regards to several errors on my report. Chexsystems had my file mixed up with someone else 's, they had address that I never lived at, names that I never used, several inquiries and and account that I never opened from XXXX XXXX XXXX XXXX, clearly there is some fraud going on.
Product: Checking or savings account

I called after receiving. Text from capital one asking if i authorized a transaction. I reported the claim to the bank XXXX  told the representative i had my card with me. However i had a replacement card with the same numbers and lost the Actual card with the same numbers. I called the bank back and told them i lost my card that was active. The bank denied my claim saying a chip was used and they didnt have record of two calls that day. I spoke to a representative today XX/XX/XXXX and told him I however have the two calls on my phone records. I should not be responsible to pay for transactions that were not me and i was willing to even do police reports. I have proof of the two phone calls made to the bank. He said he doesnt have record of the calls but i do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed an error. 

1 ) LVNV FUNDING UNDER 15 US Code 1681c-2, Block of information resulting from identity theft, it states if a consumer disputes inaccurate information, the debt collector has 4 DAYS to DELETE or REMOVE the information from the consumers credit report. 15 US Code 1681i states that if an account was verified, it must be deleted and have a Procedure in case of disputed accuracy.

This collection was previously deleted and was put BACK on my credit report. THIS IS. VIOLATION, and I would like this account REMOVED as soon as possible.
Product: Checking or savings account

I was scammed by a " friend '' in XXXX XXXX in a very bad moment of my life, divorce... he promised good cashback as he was doing trading on XXXX and showed US ( my ex husband also was scammed ) former results he had gained..and it was impressive. So. at the beginning, he made me pay to XXXX  an approx amount of XXXX euros in XXXX payment with my DEBIT card. Then he began showing us the first revenues generated, and it was impressive..but we didnt know it was all a scam.. time passed by ( he was living in my house as he was coming back from a long time in XXXX and wanted to come back XXXX live in. XXXX, so he was sleeping in various of his friends homes... mine was where he spent most time ). A few weeks later, we began having suspicions, but an event precxipitaded his disaparition ..a common friend died, and many people we have in common came from XXXX form XXXX funeral and many of them ALSO had been robbed or lied b y this same person. It was too late, he ran away, and i filed a police statement for Fraud ... and reached immediately US bank to send them all the proofs, police file..etc..they identified with me ON THE PHONE the suspicious movements. The day after, they had transferred around XXXX USD on my account ( which corresponded to the sum of movements we had said on the phone ) ... I thought it was a kind of compensation.. XXXX weeks later, i receive a letter ( from US bank XXXX arrived here in XXXX ) ..and i realize that its a LOAN... which i never agreed on, nore signed.. NOTHING..i immediately commented it to my bank manager and they said it was a loan while i was given my money back..i was mad as I never had any loan in my life, it was putting me in a more dangerous situation : if i dont get my money back, on top of that i have to refund the bank!!! Then, looking back CAREFULLY at account of that period, i realized scammer, wile he was at MY house, used my card number to send almost XXXX more to XXXX. At that time ( XXXX XX/XX/year> ) we had not begun to suspect, and US bank NEVER sent me any alert..its a professional account..I discovered this new information end of XXXX, he had sent to XXXX like XXXX times the exact same amount of money, always XXXX euros, and these payments were made over 2 days in XXXX and same in XXXX... which makes them HIGHLY suspect ... i went back to bank and since then, they have REJECTED my new complaint for FRAUD, i sent them ALL the accounts, details, movements., ..and now they say that " i should not have given my card number '' XXXX 's exactly the definition of a scam or co action ... they already began to refund themselves the loan i didnt sign for and i am - XXXX USD outdrawn!!! .. and can not work with that account... I have ALL the emails, the XXXX, the statements, police file ... first they recognize my case as fraud BUT give me a NON authorized loan that i need to reject,.. I signed XXXX. I myself contacted XXXX XXXX i identified and notified that the total amount is XXXX bank is ignoring me.. when i XXXX XXXX USD overdrawn they immediately call me..and when THIS happens..NOTHING.
Product: Debt collection

The company First Collection Services have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with FIRST COLLECTION SERVICES and have no knowledge of an account with them and dont owe them anything.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX  notifies me through email and text. On XX/XX/XXXX XXXX   flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.
Product: Credit card or prepaid card

Good morning, I received an envelope in the mail from Bank of America ( BoA ) for an offer for a new credit card. The card that I was hoping for was the XXXX XXXX Rewards Card with customizable rewards and {$200.00} back on {$1000.00} purchases in 60 days instead of {$100.00}. Unfortunately, due to me signing up for the card online ( Friday XX/XX/2022 ) and confirming the less suitable " BankAmericard '' I was told there " was nothing BoA could do ( Wednesday XX/XX/2022 ). '' I purchased a {$1200.00} eye XXXX for my father yesterday which was a large reason for the card and hoping for the return of the {$200.00}, who is XXXX XXXX XXXX ( XXXX ) within XXXX. I am desperately trying to make the right decisions for my family ( fianc and XXXX children ). 

What was fraudulent about the application to me is that they send this mail to get you into a credit card, when it isn't the most suitable card for the consumer with no guidance that there is a better card for you within their company. I work in life insurance and in real estate and we are trained to LEGALLY help clients find our clients the most suitable plans and purchases to fit their current life and financial positions or face serious legal ramifications and potentially lose our licenses which end our careers. Why is this not the case for a banking institution? Why can they trick you into a less suitable card without similar standards when the consequences can effect everything you purchase for years to come ( credit report )? I am a low income consumer ( on XXXX among other financial assistance ) and this will undoubtably create financial hardship on me and my family. I would like to amend the relationship if a desired outcome can be reached. 

I would like the CFPB to aid me in pursuit of helping a consumer ( me ) get the most suitable card for myself much the way I am held to a standard with my career. That is switching from my BankAmericard to the XXXX XXXX Rewards Card like I originally wanted with the appropriate rewards. Possibly seeking change to the way these institutions market similar to the way XXXX, XXXX and XXXX XXXX standards are written so that all plans and cards are marketed in targeted mailings. Thank you so much, XXXX.
Product: Credit reporting or other personal consumer reports

I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I made a purchase of an item on XXXX, using the credit service Affirm.com. My total was {$1900.00} after credit fees, and that was that. Nearly a month goes by, and I have the XXXX tracking information, and I do notice it is coming from XXXX, and that it also is set to not require signature on delivery. The so called " delivery date '' comes and goes, the item is not present, and my security cameras at my home do not catch it being delivered. I file a complaint/lost package report with XXXX  and they actually call me the next day to let me know that their driver admitted fault, and delivered it to the wrong address, ( and I have the voicemail from their office regarding this claim ) and that they would attempt to retrieve the item from the wrong address and attempt to redeliver It to the correct address, asking for a bit of time to get this resolved. I waited and waited, called a few more times, filed a lost package report with both XXXX and XXXX this time, and simply received the run around from them both for about a month, so I reached out to Affirm, filing a fraud claim on this charge. I gave them all of the relevant info, including the info from XXXX, and they also gave me the runaround, to the tune of about 8 months, to which in XXXX I reached out again, as my account was several months past due, but they had not charged it off yet. When I reached out in XXXX, they told me they would no longer assist me, and informed me it would be getting charged off, and to contact the debt collector in regards to this account.
Product: Debt collection

I have never received any written or verbal communication from this company stating I owe them anything. The last I heard from XXXX was they were going to investigate the debt and they will have diversified consultants stop the credit reporting. This is against the law and they have no proof that I owe this debt.