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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. 

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

I found a fraudulent credit inquiry in my XXXX  credit report. 

The inquiry was made on : XX/XX/XXXX By : TD RETAIL CARD SERVICES XXXX XXXX XXXX XXXX, NJ XXXX I have not applied for any credit since XX/XX/XXXX when I applied for a Visa from XXXX XXXX XXXX XXXX I did change address on XX/XX/XXXX, and the information for lease approval may have been fraudulently used to make a credit application.
Product: Credit reporting

Experian has submitted and maintained known to be false and clearly erroneous information on my credit report concerning my address, a item of information that must be correct for many banks to open an account for a consumer. 

Specifically, Experian has maintained that I live at " XXXX XXXX XXXX SD XXXX '' for a number of years and as a result of Experian 's failure to correct these records, a violation of federal and state laws Experian has effectively locked me out of the financial services market because I am unable to provide any bank with a " proof of address '' that matches " XXXX XXXX XXXX SD XXXX '' and further, any bank that does a consumer application to credit report address check would deny account opening because the addresses would not match. 

I have attached proof of this and ask that Experian immediately remove this false information, reply to me with a full report on why this information was allowed to be on my credit report and include the contact information of the reporting financial institution, as well as resend my credit report to all financial institutions who inquired upon my report within the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following credit inquiries were not authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On this date XX/XX/2023 I got gas at XXXX in XXXX az XXXX in gas XXXX water They charged me XXXX for gas XXXX water They fixed it the next day. 
So XX/XX/2023 they sent collection I owe XXXX XXXX XXXX They over charged me Now there screwin me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all reporting a bankruptcy on my credit profile which XXXX XXXX  deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.
Product: Checking or savings account

Today ( XX/XX/XXXX ), I did early withdrawal on a bunch of CDs which matured on XX/XX/XXXX and I was charged an Early Withdrawal Penalty totalling {$420.00} ( across several CDs ). 

On an email from Ally a few days before maturity, they had clearly mentioned XX/XX/XXXX as the end of the grace period ( see relevant section from Ally 's email attached ). It was mentioned in the email that I am allowed to make changes like close a CD without any penalty when in the grace period.

However they still charged me an early closure penalty. Their customer service was unable to help - their
explanation was that XX/XX/XXXX is not included in the 10 days. I am not sure about the day calculation they used- but I went off of the email that was sent to me. The email clearly stated XX/XX/XXXX as the end of the grace period. My attempt to close the CDs happened on XX/XX/XXXX at XXXX Eastern time- which should fall within the grace period.

After many attempts, their customer service is not ready to help. Their stance is that the grace period is over and hence the fees.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2019. I tried to cash out my money from Square Inc. worth {$210.00} they asked my for verification ID so I scan my driver license and face verification I did everything they asked and it says its says verified after a minute I tried to continue cashing my money because its verified and then says can not be completed when I look in the setting my account is closed.I cant even cash out to my bank or debit card.I didnt do anything that against there rules or term and Conditions.I want my money I work hard over it and they just closed my account and not allowed me to get my own money.Of what theyre doing after scanning your personal information and get your money its a scam.I hope you can help me to get my money back and take action of this apps.They only replied once with my 3 emails of them still did not solve my problem there only reply is we can not give you any another information why your account closed.Thats not totally fair and good after all what I did for giving them my All personal information.Its my money I have right for it.Please take action of this square inc apps online.I need my {$210.00} money ASAP.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a timeshare at the XXXX in XXXX XXXX on XX/XX/XXXX, under the impression that the timeshare would not appear on my credit. I asked the agent XXXX would it appear on my credit, because if so I can not get the timeshare. I explained to her that I was going to be buying a house in XXXX for my son 's, my mom and I. She told me that it would not be on my credit and that XXXX XXXX owns the property and that they would not run my credit. I am a single mom and all I ever wanted to do is be able to purchase my first home for my family and I. I thought XXXX was looking into why this happened but unfortunately she did not. I continue to get calls from people who try to get me to upgrade and say they are with XXXX. I always tell them no and explain to them that I have been misled into buying a timeshare and I need to talk to someone so I can get out the timeshare and give it back to XXXX. I enjoyed the stay at XXXX and was very happy to buy the timeshare but had I known it was going to be put on my credit I would have waited until after I purchased my home then gotten the timeshare. Everyone I talk to at XXXX said I had 10 days after purchase to cancel the timeshare, but the timeshare did not appear on my credit until after the ten days had pass. I have worked so hard to build my credit and position myself to be able to buy a home. 

The day I went to meet with XXXX, I asked her how long the meeting would take and she said not long. I was at the meeting for more than 5 hours. When I got to the meet I was intoxicated and needed rest and water. She was nice enough to make sure someone brought me water while I was at the meeting. She also told me she would help me rent my room out to make money, which she never did. I have been lied to and tricked into this time share. I sent all the text messages to XXXX XXXX XXXX member XXXX XXXX and all she did was give me the run arounds like the rest of the people working for XXXX. She asked me to send her the text messages between XXXX and I, I sent them to her. XXXX told me that she could not tell that the messages was from XXXX, although XXXX phone number was on top of every text message, then XXXX said my contract with them is still valid. So in other words XXXX did not do nothing wrong under their company procedure. 

I have continued to make my payments to XXXX because I really like XXXX and did not want to ruin my credit with a foreclosure and ruin my opportunity to purchase a home. I have ask XXXX to take the timeshare back, refund my money and remove it from my credit and they refuse to. Everyday I find myself going into a XXXX, because how could this company be on my credit as a mortgage and I can only get the room every odd year. Had I not been XXXX  I would had never commented to this.
Product: Money transfer, virtual currency, or money service

Nothing was resolved money was never returned. The problem is still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/
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, has violated my rights. 


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: Money transfer, virtual currency, or money service

Attempted to send money using Moneygram.. They accepted the transfer and placed transaction a debit of {$1500.00} against my bank account. Received email stating transaction complete. 2 hours later received email stating that my account was fraud and banned me from using their service. 

The transaction was legitimate and an attempt to help my family in XXXX. They are now holding my money for up to 30 days with no explanation. It is unclear if they have or will complete the transaction. I have attempted to contact them but they will not return money, the fee or explain why they deemed me a fraud.
Product: Debt collection

This debt collection company has been informed of my id theft issue properly by Receiving a copy of the fraud affidavit and continued to report it to the CRAs anyway. That affidavit is backed by seperate FTC reports and on several occasion have made it clear that it is a pay my bills situation when asked to explain myself and the docs I have them Z I have sent me several threatening letters promising legal action and made calls to my work.
Product: Debt collection

I recently was reviewing my Credit report and noticed a CKS Prime Investment collection account, which was bought from XXXX XXXX ( Surge ) I have been trying to pay this debt off, which subsequently is not mine and every time I try to get information, they have transferred to another company. 

This company has sent this debt to XXXX XXXX in XX/XX/year>. I was not in the position to pay, since I have been pretty sick. 

Then the debt was transferred to Velocity Investments, which I did not know. 

Now the debt is with XXXX XXXX. 

The debt is not mine and I am willing to pay the debt at a reduced rate of {$410.00} to remove off of my credit report.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit card or prepaid card

American Express has neglected to provide sufficient service for use of my credit card, putting myself at risk while traveling for work. My American Express XXXX XXXX has XXXX available credit and the entire statement balance is paid off for the month. I have never missed a payment on this card. Still, every few days they cut off my card from working and I must be on gold for hours at a time to get access to my credit card. While traveling for work, this has left me sitting outside a parking lot twice this week trying to get access to my card. The issue resolves around the fact that I recently opened a new debit account and changed the payment account on my card. I alerted American Express about this and they changed the payment account ; yet they are still re-charging an account that I told them on multiple occasions to stop charging that has no funds. When the payment " predictably '' doesn't go through, they suspend my card ( despite having already cleared more than the statement balance and having nearly XXXX available credit ). Each time that I do this I am charged fees.
Product: Credit card or prepaid card

A credit card was opened in my name on XX/XX/2022. It was opened in my name under the Children 's Place/Comenity Bank XXXX I did not apply for credit with this company. There were Children 's clothes purchased on this account and were never delivered to my home address. I called the Children 's Place to inquire how this account was opened and why it was opened the first question they asked was my social security number and I hung up the phone. I have notified XXXX and XXXX and notified them of this incident. What else do I need to do? Comenity Bank started calling me at my place of employment. They got my son 's email address on the account however he did not open it. The reason we found out is that they sent him emails requesting to contact them as soon as possible. My son did some investigating concerning this company because there are many reports on the XXXX XXXX XXXX website concerning this Bank. Fraudulent credit cards are being opened and requesting payment of them. The XXXX XXXX XXXX has recognized pattern of complaints and have issued these alerts. 

Pattern of Complaint : XXXX  files indicate that this business has a pattern of complaints from a file review conducted on XX/XX/2022, utilizing complaints and reviews between XX/XX/2022 to XX/XX/2022. 

Their communications allege : 1. Billing inaccuracies-failure to post payments to accounts in total or within an acceptable amount of time, failure to post credits from returns, no resolution to fraud cases causing consumers to be responsible to fraudulent activity and interest/late fees, continued billing for interest and late fees for accounts that are closed, and loss of rewards/cash back amounts due to consumers. 
2. Customer service deficiencies-Extreme wait times to speak to a representative and lack of response or lack of resolution to issues. 
3. Inaccurate reporting to credit bureaus-reporting balances on accounts that have been paid/closed and lack of reporting when balances are paid. 

On XX/XX/2022XXXX XXXX informed the company of these issues in writing, with a follow up sent on XX/XX/2022. The business has not replied. 

Please contact me if you need further information. 
Please see the following attachments
Product: Credit reporting, credit repair services, 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. 

( Reported False Collections ) XXXX XXXX XXXX 
Last reported XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account name : XXXX Address:XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Account name : XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) 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 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 man 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I reached out to Chime support multiple times and was able to talk to someone today, XX/XX/2024, and the lady I spoke with told me I couldn't reopen my account ever again. I don't even understood why my account was closed and she wouldn't provide me that information. I would like to have my account open since I get money from XXXXXXXX XXXX every XXXX  months over XXXX and I loved having chime as a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The same company named credcohas done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and XXXX reported 2 hard inquiries on back to back days.
Product: Debt collection

Calls received multiple times daily from XXXX from Allied Interstate LLC claim8my to be collecting on a debit for XXXX, caller is from XXXX. This debut was discharged in bankruptcy chapter XXXX XXXX XXXX 2016. I provided this information to XXXX, on other collection company for XXXX and now these people in XXXX. My lawyer also sent them a letter to stop collection. But they wo n't stop call my phone and husbands phone multiple times a day! Please stop this harassment!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I found out that someone had stolen my social number and checked up credit on Bank of America. I discovered that hard inquiry recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX