23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

THESE ACCOUNT HAS YET TO BE REMOVE FROM MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

PayPal - negative {$2100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$2100.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I used my Macys American Express credit card to buy an item from Macys for the amount of {$15.00}, Time passes By and I didnt receive any statement for my bill until 3 months later I received an email for a past due payment of around {$90.00} including the late fee of course. I called and told them that I havent received any bill for the past couple months, so they just waived some of the fees and I ended up paying about {$30.00}. 
This is not the problem, the real problem is that they reduced my credit limit from {$2000.00} to {$300.00} and they reported to they credit bureau that I missed a payment for two months. And my credit score dropped really bad. I never missed a payment in my life and I had an excellent credit score. It felt like a set up, everybody is busy around XXXX time and were all humans we forget things, thats why the credit card company send bills and reminders to pay. 
Please help me fix this, because I really felt helpless when I tried calling my credit trying to fix that issue. 
Thanks for your concern.
Product: Debt collection

i had signed up for   XXXX   XXXX   but i never completed or attended any of the classes. now they are charging with {$1600.00} at that they changed the open date to  XXXX   XXXX   XXXX  i signed up for   XXXX   XXXX   in  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON 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
Product: Credit card

On XXXX/XXXX/15, I ordered and received a RV Vent Fan for replacement in my RV. The fan received was wrong model and was returned to seller XXXX/XXXX/15 whom then shipped the correct model that was received XXXX/XXXX/15. I paid Citibank {$250.00} on XXXX/XXXX/15 per my credit card statement for the purchase. The incorrect RV Fan Assy was returned via XXXX and confirmed. Fan project was completed. On XXXX/XXXX/15, a manager or supervisor shipped another RV Fan Assy with an apology email in reference to shipping the wrong model originally. Upon receiving the email, I made phone calls trying to stop their sending the product and exchanged emails about my disapproval. Seller said nothing they could do. I made it clear I did not want or request it. I also made it clear I did not want to be charged for it and I would refuse it. I was told I would be responsible for it regardless. This all is documented. Product was delivered in my absence and I called their sales office and again expressed my concerns. Sales person said they would immediately issue an XXXX Return Label to have it shipped back. After 8 days I had to remind them by phone and the following day, XXXX picked up item. The box was never opened. Seller never acknowledged return of product and billed my credit card {$250.00} for it. A trace on the XXXX return label showed it was delivered to seller and they signed for its return which I submitted to Citibank. The XXXX/XXXX/15 shipping is a result of shipping error by supplier after completion of previous order, same item. After 5 months of trying to resolve erroneous billing of {$250.00} for fan assy ( that I did not order and had been returned XXXX, Citibank finally accepted proof, which I submitted four times earlier showing seller received their product back. Citibank now claims I received 2 RV fan products and only returned XXXX according to their audit worksheet. My current statement shows " Dispute Resolved ''. I was never notified why or how the dispute was resolved. I would request updates but nothing ever came out of it except their Audit Worksheet couple days before I read dispute resolved in my statement. Couple days prior I had received Citibank " Audit Worksheet '' for my review which shows I owe for XXXX item of {$250.00} that never existed or even any paper work. I immediately sent them letter requesting their bases for their findings plus I again sent copies of proof on what was received from seller and returned to seller. I submitted again a complete breakdown showing debits and credits, all validated. They have not answered my requests on how they based their findings or what documentation they have. I have followed FTC rules closely in this matter and kept records of all transactions. That is more than I can say about Citibank N.A . or the seller. This is a total failure of this credit card company. I have had spent countless hours presenting documentation to them which they have ignored. Their statement of protecting the consumer is a SHAM!
Product: Credit reporting, credit repair services, or other personal consumer reports

( See complaint : XXXX ) On XXXX XX/XX/2023 I received a credit monitoring notification that a collection agency ( XXXX XXXX XXXX XXXX had reported an account attributable to me to TransUnion. This is despite me maintaining active fraud alerts on all my credit reports. I immediately informed TransUnion that I had no knowledge of this account and have never done business with XXXX XXXX XXXX or the claimed creditor ( XXXX  XXXX ). I have absolutely NO DEBT and I do not owe either of these entities {$10000.00}. Furthermore, I never received any written, oral or electronic correspondence from this collection agency, who has violated the law by reporting this false information to a consumer credit reporting agency ( U.S.C. 1006.30 ( a ) ( 1 ), debt 'parking '. This collection agency has yet to make contact with me about this purported debt. I submitted this dispute to TransUnion ( by certified mail ), who soon after claimed that its investigation 'verified ' that the data was accurate, and reflective of my 'educational ' debt. Furthermore, it even associated 'updated ' the incorrect information to strengthen its association with my personal credit file. My student loans have been paid for years, and this has been reported by all major credit bureaus ( including TransUnion ). 

I re-submitted the dispute and provide extensive additional documentation of my debtlessness. TransUnion responded with this dispute with a letter containing the following : 'In accordance with Section 605B of the FCRA , we have determined that your request h as either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. ' I have since responded to TransUnion requesting that it identify precisely which of these scenarios it believes to be applicable, and why. 

Attached are two documents which are reflective of my second and third effort to resolve this issue with the credit reporting agency. Tracking numbers/proof of delivery for all correspondence is included.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I was scammed {$220.00} and {$50.00}. I paid for services through XXXX  but upon further inspection I realized that it was not real. I cancelled the payment or tried to and contacted XXXX immediately. When they couldn't resolve it within a few days of me contacting them, the payment was posted on my Chime account. I called the company saying I was scammed and I did not authorized the payment. Three rebuttals later, they still believe there isn't sufficient evidence to prove my case. I provided chat conversations, XXXX  conversations, etc etc. None of which was good enough for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Product: Credit card

Misleading advertising a {$30000.00} trade line with the monthly fee of XXXX no way to cancel membership no contact the company to cancel services and has been taken XXXX out of my account since XX/XX/2023.
Product: Checking or savings account

This is related to earlier complaint I have sent to Wells Fargo. CFPB reference number XXXX. The original complaint is regarding a {$500.00} new account opening deposit which the company said they refunded back to me. But it has never been refunded back to me. I asked Wells Fargo representative, XXXX XXXX ( XXXX ) XXXX, to produce a reference number that represents the refunded transaction. XXXX XXXX, the Wells Fargo representative simply said there is no such reference number. Without this reference number, I am not able inquire with my original Bank, XXXX XXXX, on the refunded amount. The fact that there is no reference number makes no sense to me. There has to be some XXXX reference number traceable. Please reopen this case so that I can get my {$500.00} back. It has been almost 2 months since this amount has been not returned back to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : TransUnion, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from MoneyLion via their app for {$500.00} earlier in the spring of this year ( 2019 ). I made payments as scheduled on time automatically until I selected to pay off the balance in full which was around {$400.00}. I went into the app and selected the account ending in XXXX I wanted the payment pulled from. The account the payments were coming out of was MoneyLion 's checking account administered by XXXX XXXX XXXX. I had my other account linked and all was good in the app but the payment did not come out. I called in and they usually have a 20+ minute hold time minimum, so calling in is gruesome. 
I talked to a rep who assured me they disconnected their account and that it would come out of account ending XXXX and resubmitted balance in full, to which it never came out. Fast forward to XXXX of 2019 I contacted them as payments have not been coming out and they stated that the account is not linked to take them, which I was not sure why. 
I then tried to pay it in full again and they said that their system " had an error '' and it " kept trying to take it out of the account that we allegedly unlinked. '' I verified my routing and account numbers for my XXXX XXXX account and the payment was finally taken out for balance in full. 
NOW, fast forward to XX/XX/XXXX they reported me to all three bureaus that I was 30-59 days late on my payments. This may be true on paper but I tried to pay this off THREE times and their system had a " glitch '' or whatever they called it where the payment would not come out. This caused my credit score to  drop 59 points!!! This is unbelievable. I contacted customer service by emailing " XXXX '' to only be told to dispute it with the CRA 's. I disagree, what they are doing should be illegal, its their mistake their system had issues, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ENHANCED RECOVERY CO L agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX and XXXX reports prevents me from achieving the desired results. 
I am kindly requesting ENHANCED RECOVERY CO L agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

Many phone calls and robo calls. When I answer, nobody responds or says anything. I emailed about a year ago to send me all the original paperwork with my signature for verification of this debt. Instead I receive a threatening email that a warrant will be issued for my arrest.
Product: Credit reporting or other personal consumer reports

They pull my credit report without authorization. It was a hard pull on my credit and may affect my score and ability to acquire a mortal
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed a complaint on Experian on XX/XX/2022 complaint number XXXX I made a complaint expressing how I have asked Experian for them to investigate and reinvestigate the same 2 accounts several times and each time it comes back the same verified and accurate and no change, when I know that it's inaccurate. the 2 accounts below are the inaccurate accounts I'm speaking on : Account Name : XXXX XXXX XXXX Account # : XXXX and the 2 account is, Account Name : XXXXAccount # XXXX XXXXXXXX. Experian responded to my complaint saying you're going to reinvestigate these accounts at my request my complaint never said I wanted you to reinvestigate you already did. That's what I'm complaining about the results, I asked you to " IMMEDIATELY DELETE '' them because you failed to properly investigate and reinvestigate these accounts to many times. It is your responsibility to make sure my consumer report is reporting 100 % accurate and you failed it is my consumer report, it is about me, I am the consumer If I disagree with information that you are reporting on my consumer report, you must remove it. It is not up to the furnisher who is your clients to make the decision what's reporting on my consumer report which I didn't give them consent to furnish anything on my consumer report and I didn't give Experian permission either I was supposed to get a notice from the furnisher letting me no they were going to report negative information to my consumer report before they even did it to let them know if I was ok with them reporting my personal information or not they did not notify me neither did Experian. According to the FCRA 15USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and person meaning the creditor aka furnisher making the report are not included in consumer reports. My consumer rights have been violated by the furnishers of these accounts and Experian. DELETE THESE ACCOUNTS OFF OF MY CONSUMER REPORT IMMEDIATELY THAT IS MY REQUEST. If you do not delete these accounts immediately, I will file a complaint against Experian to the Attorney General and Federal Trade Commision for Willing fully and knowingly you are reporting inaccurate information on my consumer report I have every letter I sent you pertaining these accounts and every response you gave on these accounts as evidence. Thank You
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$69.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized and was done by that creditor without permission! Please, you must remove this as soon as possible.
Product: Credit card or prepaid card

See attached document. 

I have two credit cards with Bank of America ( account # 1 and account # 2 ). On XXXX/XXXX/XXXX, I received a letter stating that account # 1 was being closed because I have a pattern of late payments. There are late payments on account # 2, but they closed account # 1. For the late payments on account # 2, I was never notified of any payments due. No emails, paper mail, or texts. I did receive a call from XXXX with the following message : Hello this message is regarding an important servicing matter for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Bank of America. This is not a sales or solicitation call. It is however important that I speak with you today. My phone number is XXXX. The office is open today until XXXX XXXX Eastern Time. Thank you. 

Given the recent XXXX breach, I am careful about calls regarding my personal information. When I XXXX XXXX, I saw numerous reports of this being a scam number so I did not return the call. Im still not sure if that is a valid number to call or that they were calling about my past due account. The message does not provide enough details about the reason for the call. 

Bank of America reported a 30 day and a 60 day late to the credit bureaus. 

When I spoke to my contact at Bank of America, she informed me that I had automated payments setup, but the amount I chose to pay was not enough to cover the minimum payment. The automated payment setup screen for Bank of America credit cards is confusing and unlike any I have seen. It does not allow you to setup recurring payments for the minimum amount due each month. The main reason I use recurring payments is so I dont have to check my payment amount and due date every month. I believe the way this screen is setup causes unnecessary late payments and issues like what I am facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported only one late payment to the credit bureau, I was only 30 days past due and paid them in full before the next payment. I was fined for the late payment and I am up to date and current with XXXX. This impacted my credit score XXXX points, I feel that being a customer with XXXX for XXXX years and XXXX months this was extreme for only one late payment and now I am in good standing with them. I disputed this on the XXXX XXXX with XXXX and XXXX. My credit was rasied back to the original score and then XXXX fought the disbute and my credit was dropped back even lower. I called XXXX and asked them kindly to retract the negative impact because I am a long time customer of theirs and a XXXX point impact on my credit score is extreme and can stay on my credit history for up to seven years. Credit is everything in society from employment to financing. This has greatly impacted my career as far as even getting into medical sales school and approval for loan options to help better my life, my credit score was XXXX and I have worked hard to get it there. Now I can not get approved for anything due to one mistake and XXXX XXXX services is not even trying to work with me. It makes me sick the amount of money I've paid them and the treatment I am getting.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, acct. # XXXX XXXXXXXX XXXX and ACCT. XXXXXXXX XXXX has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate. I have circle all the inaccurates on my credit report. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I HAVE ALREADY NOTIFIED DIVERSIFIED CONSULTANTS IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT XXXX A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.