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

I want file a dispute on all XXXX credit bureaus and a debt collection about a card that I didnt use exactly my card was lost and somebody made a purchase XXXX on my credit card I been going through a lot so when I seen this and XXXX glad they closed the account but now its on my credit as a debt collection and I want it to be remove immediately because its slowing down my credit most of them inquiries is false and did even go through or happen I want to remove them too immediately the collection agency have gave false misleading practices violating annual XXXX and not only I didnt tell the debt XXXX to buy that debt to add to my credit report and they never sent a letter to my address or I never got it stating that I can dispute this debt in a certain amount of time 15 usc 1692c state that if the consumer notifies a debt collection the consumer must decease any communication thank you so much have a bless day. 
XXXX XXXX XXXX Account number XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues with their systemic institutional XXXX XXXX XXXXXXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On on all accounts I sent this the reporting companies my letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this companies completely ignored me and are still reporting the identified accounts with fraudulent charges on them. Please note that this letter is My final written proof of my intent to reach out to these companies before filing a lawsuit against them. Attached here are the documents I sent them in my earlier dispute with them for reference..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit report that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by XXXX XXXX XXXX that I would have this debt/collection removed immediately after receiving payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my XXXX consumer credit report, and found unauthorized and fraudulent inquiries on my account where someone applied for credit in my name. I have contacted Equifax on multiple occasions via mail and over the phone to file disputes. It has been over 45 days from the original dispute date ( XX/XX/year> ). Equifax has not made any efforts to remove these fraudulent inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

Violations : - FCRA Section 609 ( c ) - FCRA section 607 ( b ) - FCRA Section 623 - FCRA 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to XXXX  and Equifax on XX/XX/2020 and has attached a copy of the letter that was sent below.
Product: Credit card or prepaid card

Received offer in mail with a sign up bonus of XXXX points for spending {$5000.00} in first 3 months. Met criteria, but never received bonus points. 

Contacted Amex via chat on XX/XX/21 and the rep verified that I met the requirements and would submit a ticket for them to resolve in 7-10 business days. 

Still had not received points, contacted via chat again on XX/XX/21. They said it was still being worked on and to check back at another date. 

Still no points. Contacted again on XX/XX/21. They said it was still being worked on. 

Still have not received after nearly 4 months since meeting criteria for sign up bonus points.
Product: Credit card

Victoria 's Secret - Comenity Bank My account is showing a balance which consists of numerous late fees ; however, I paid the balance of {$110.00} in XXXX. 
In early XXXX, once I realized that I was behind a payment, I called the Customer Service number about my payoff, and asked about having two of the late fees removed because I have been having US mail issues and not receiving my statements. I was told that they would be removed, after my payment was received. With that late fee credit ( {$50.00} ) and the interest charge for them ( {$3.00} ), my balance would be {$0.00}. 
Since that time, my account has accrued a late fee each month ranging from {$27.00} to {$37.00}, to the amount of {$230.00}. 
In early XXXX, once I realized that my account was still accruing fees, I called the customer service number and I was told that no one by phone could help me and that I needed to send a letter. I did send a letter and received a response stating, " A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fee from your account. '' However, within a few days of receiving this letter, I received a XXXX billing statement showing on XXXX, that I was credited for two late fees and finance charges totaling {$75.00}, but still showing a balance of {$170.00}. I again called and spoke with a Supervisor and was told that the late fees and finance charges are a legitimate balance. 
How can they continue to change me fees? This credit card bank should have never been able to charge me any fees since I paid off the balance on my account in XXXX. They are now saying that they can not refund anything and I must pay the balance due, which is all fees that I have been charged by them. I did offer to pay the {$50.00} late fee that was charged in XXXX to try to satisfy this account, but they would not remove the other fees that they have charged since their customer service representative did not do what she stated that she would do. I should have a XXXX balance/paid in full on this account.
Product: Money transfer, virtual currency, or money service

Venmo suspended my account for no reason and refused to tell me why or unlock my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 XXXX XXXX transferred a total of {$170.00} out of my bank account without my authorization, thus committing bank fraud. The amount consists of three transactions with the first in the amount of {$4.00}, then again Ten minutes later for {$4.00}, and last {$160.00}. All three transaction detail provide a phone number XXXX, however, the number is only for their members & you have to login to you account to receive a code in order to bypass the automation. Because I did not see these transactions until the following Sat. I could do nothing to stop them, as my bank is closed on the weekend, I did report my debit card stolen and was advised that is was my debit card number that was used to in all three transactions, not my actual bank account. I also was advised that the money was transferred using a cell phone app, XXXX XXXX, and it appears to have been transferred using an email address. That's all I could get from my banks debit card hotline #. 
I immediately contacted XXXX via their customer support email, ( b/c there is no known telephone # ) and although there has been some response, nothing that is of any use or helpful. 
Early in XXXX I had to place a fraud alert on my credit due to suspected ID Theft, this fraud prompted me to check, and upon checking my credit report I realized I am not only a victim of Bank Fraud but ID Theft as well. 
Based on the XXXX XXXX, & XXXX XXXX XXXX Terms & Conditions, they should have validated this account & their Registered user. Had they done this as per their terms they would have been able to identify that this debit card did not belong to their member, or was it authorized to be used by their member. 
If they do not currently have security provision in place for the XXXX XXXX, then many Americans are & will continue to be at risk. 
XXXX this and there are many Americans that have been victim to XXXX XXXX debit card fraud, over the past few years, AND NO ONE IS STOPPING THIS COMPANY, they are allowed to transfer money using a cell phone, tag name, debit care # & email, where is the security? 

I filed a police report & the investigator advised me that he is familiar with XXXX XXXX, my little town, that's terrible. But even more I have been treated like a criminal, I'm completely broke, I'm unemployed, and have to wait 10 days for my bank to return the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2021 I reported unauthorized fraud in the amount of XXXX, it was legitimate fraud and my claim was denied. 
I am owed this amount by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX is reporting negative account information on my TU credit report. I am located in NJ, and the terms of my loan with XXXX XXXX far exceeded the maximum interest rate allowed in my state. Furthermore, since they are not licensed in my state, NJ specifically voids these types of payday/installment loans. The loan is illegal and should not be reported to my TU report at all. I have attempted to dispute this with TU already, but the loan came back verified by XXXX and TU will not accept any of my documentation regarding the complaints I made with my state. I even asked the rep at TU on the phone what I could provide as proof that the loan was illegal and she said " nothing ''. If it comes back verified, you have no option. Basically, I was directed to take my complaint to the CFPB. 

THE CFPB has filed suit against XXXX XXXX ( and companies like them such as XXXX XXXX ) that try to take protection under tribal law as the reason why they can operate illegally and harm consumers. XXXX of the last ways they harm consumers ( who have stopped the ACHs and closed bank accounts ) is by reporting negative information to credit reports to try to extort payment. 

I am requesting that the listing be removed and never reported again since it is illegal ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filled a complaint # XXXX with Equifax, after I filled my complaint I received more supportive documents " attached " from XXXX, the creditor in question. However I was not able to submit my supportive documents on line to yo " proving that XXXX did their part and Equifax has not. 
After speaking with your representative on XX/XX/2018, I was informed perhaps it is a good idea to start another complaint and include my new supportive documents. Please see attached
Product: Checking or savings account

I opened a checking and savings account with the the promo of getting {$250.00} deposit after 30 days but it's been over 60 days. I've called numerous times but I can't get any results. Every representative I've spoken to admits that I've completed the requirements and I'm due this money but unfortunately I just keep getting call back promises but it never happens. I don't know what else to do.
Product: Consumer Loan

In or about XXXX, my husband purchased a used car from a used car dealership. I co-signed with him for the loan. We separated in XXXX. Evidently in XXXX he stopped making payments. He died in XXXX. The finance company sued me but I was never served with process and did not know about the suit until XXXX XXXX when my salary was garnished. According to court records the total garnishment should be about {$4400.00} ( including interest ). The attorneys (? ) for the debt are still taking money from my salary and say that I owe them another {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the transunion credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.
Product: Mortgage

Freedom Mortgage has repeatedly called me this month asking for my XXXX mortgage payment. However, I paid my XXXX payment on their website on XX/XX/2022. The funds were taken from my bank account and sent to Freedom Mortgage on XX/XX/2022. I provided Freedom Mortgage with the confirmation number they provided me in email and they still seem unable to track the payment. I have attached the email with the payment confirmation number and a screen shot of my bank account to show the payment went out on XX/XX/2022 since my statement is not yet available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my Macy 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from XXXX. I did not authorize Macy 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, XXXX has two delinquent accounts on my consumer file that should not be.
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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/year>. XXXX || Date of inquiry : XX/XX/year>
Product: Credit card

Yet again Chase is failing to follow the law regarding disputed and unauthorized charges. Their online dispute reporting system is broken. I called Chase, waited on hold for an extremely long period of time and then explained in great detail the bait and switch scam that I was charged {$440.00} on XX/XX/XXXX from XXXX for. The agent assured me the refund would be applied to my statement within 48 hours. It is now more than 10 days later and no action has been taken. My payment is due in 5 days including this amount that I am not responsible for. This is blatantly illegal. 

Since Chase 's dispute system is completely broken, I would also like to include these subsequent charges that are also unauthorized. 

XX/XX/XXXX XXXX XXXX  XXXX XXXX  {$28.00} - this is an overcharge, the correct charge is approximately {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$28.00} - this is an invalid charge, I didn't use this service on this day. 

XX/XX/XXXX XXXX XXXX XXXX XXXX  {$30.00} and {$0.00} these are invalid charges, I didn't use this service on this day.
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 U.S.C 1681. 
..Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681section 602 A.States I have the right to privacy..

.15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions..

.15 U.S.C 1681 ( 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 1681 5-2 ( 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

i contact XXXX XXXX XXXX, Experian by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 XXXX  A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, Experian needs to remove the Public record please im asking CFPB for help again thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for ALL XXXX XXXX XXXX XXXX XXXX  as they are reporting inaccurately. There have been multiple violations as I have sent multiple dispute letters to TransUnion pertaining to these accounts. I am also asking for these accounts to not be update on my credit report until this has been resolved, as they have been previously update while in dispute statuses. These accounts have come back as accurate and verified by TransUnion which I find to be 100 % unlawful considering the below listed violations. 

1 ) 15 USC 1681 Accuracy and Fairness of Credit Reporting has been violated! 
How can an account with an alleged debt amount that is charged off increase the amount owed every month for years? If an account is in collections or charged off the amount doesnt increase, this is grounds for deletion due to whats being report is false and inaccurate 2 ) Violation According to the IRS charge offs are considered Gross and Ordinary Income, so how is this allowed to be on my credit report? This is also inaccurate reporting! I am to receive a 1099C for alleged debt above {$600.00}, which I have NEVER received per the IRS! 

3 ) Violation of 15 USC 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information 4 ) Violation of FCRA 623 5 ( a ) Duty to Provide Notice of Delinquency of Accounts states it should report the month and year, it does not state to continuously report a C/O for as long as the account is charged off or until it is paid off, this is Illegal!

5 ) Violation of 15 USC 6802 Obligations with Respect to Disclosing Information, I have never received the 3 disclosure forms that this law states I should have received 6 ) Violation of 15 USC 6801 Protection of Nonpublic Personal Information 7 ) in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 Subsection A-D, I asked for TransUnion to provide me with proof that the information was indeed verified, and not a computer- generated confirmation. I asked TransUnion to proved me with the following : 1 ) the method of communication 2 ) the documentation used to verify my disputes 3 ) who did they speak with?

4 ) what was the date?

5 ) how long were the conversations?

6 ) what number did they call?

7 ) What was the name of the employee that spoke directly to the creditor?

8 ) what was the position of the person to whom they spoke with?

9 ) what was the address? 
I did not receive any answers to these verification questions, my verifications were ignored as my credit continues to be ruined! 

I have sent a copies of my identification to TransUnion
Product: Credit reporting or other personal consumer reports

Transunion removed at my request the XXXX XXXX and did not accept Identification and send my free annual credit report to my current address and name..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.