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

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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

The Equifax reporting agency & My Equifax agency is reporting inaccurate score information and inaccurate account information. I went from an XXXX score to a XXXX score. For the passed 6 month I have been trying to work with Equifax in fixing my credit score. They are reporting that I only have 1 credit account with the Utilization of 35 %. Three months ago they were reporting Credit Utilization 83 % and 14 credit account. This company need to be investigated for inaccurate credit reporting. InXX/XX/2019 they were reporting that my XXXX XXXX XXXX account ending XXXX was {$16000.00} with credit utilization of 842 %. When my credit card only has a limit of {$2000.00}. I am trying to get a mortgage for a new home but this hurting my credit score. I would for Equifax to access each credit account in my credit report and score me properly and fairly. Please see attachment of their false reporting numbers and accounts.
Product: Checking or savings account

My card was hacked and someone made a XXXX XXXX account in my name and attached to he card to the fake XXXX XXXX  account and withdrew {$2500.00}. Because of this situation I can not afford to pay my rent last month and have been issued an eviction notice I believe my right a for my money to be protected by insurance up the amount of {$250000.00}. I was told that because I had other XXXX XXXX transactions I had to dispute the transaction with XXXX XXXX But this was not a transaction I made. Someone used my name to create a different account and attached my card to that account and took {$2500.00}. My bank hasnt investigated this thoroughly and has not given me a provisional credit within 10 business days.
Product: Credit reporting

Disputed with all XXXX bureaus in reference to several accounts. XXXX student loans showing late payments and XXXX collection accounts. All XXXX bureaus repeatedly show different information. Requested information directly from the creditors and nothing received it 's been well over 2 months. If the companies are not responding to me directly then they would not respond to a 3rd party.
Product: Money transfer, virtual currency, or money service

I have like {$2000.00} on my chime account and got incarcerated for two years I was trying to gain access to my account in jail but my account was locked until I can prove my identity but I have sent chime every document that has been asked of me and the only thing they can say to me is send documents that I have been told they have received and I dont know what else to do so I can get my money can you please help me thanks
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Checking or savings account

I filed a debit card fraud claim on XX/XX/22 The following are the transactions : See attachment Chase has stated to me that they have determined that these charges are valid. I reported the charges within the required timeframe. They have not provided me in writing they reason and evidence used to determine denial that I requested. 

Total unauthorized charges are {$5500.00} Chase was recently debited the charges from my account, causing my checking account to be at a negative.
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. 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 than seven years.

15 U.S.C 1681 s-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

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of XXXX LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.
Product: Mortgage

On XX/XX/XXXX I called Mr. Cooper and talked to an agent about possibly refinancing our mortgage. That same day a few hours after our conversation, another mortgage originator named XXXX XXXX ( NMLS # XXXX ) called my husband and asked him about our interest in refinancing. 
My husband did not agree to doing a hard pull on our credit during their conversation. The next day XXXX informs me that I have a new inquiry ( both soft and hard ) on my credit and confirmed that it was from Mr. Cooper. I called the company and they gave me a number of XXXX manager XXXX who never once returned my call. 
I talked to another mortgage professional with Mr. Cooper and he says he couldnt even trace the guy in their system. 
This XXXX XXXX completed an application and locked in a rate for us without our consent at all. And now the mortgage originator I am working with cant do anything because of what this guy did. 
Running a hard credit check without our consents is illegal. I would like to do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or have any idea why this inquiry is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX Bank claiming that I applied for a LUXURY loan. I have no recollection of applying for this. XXXX needs to remove this inquiry from the Credit Report. I'm copying Transunion on this complaint. This is incredibly concerning.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a financial institution called " XXXX XXXX XXXX '' using my SSN and other details without my consent or knowledge
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX has transfer an account to XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their XXXXXXXX XXXX  # XXXX, balance {$2000.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit card or prepaid card

Citibank closed a billing dispute in the merchant 's favor and reversed the conditional credit for a transaction which I disagree with. 

XXXX XXXX XXXX is operating a bait and switch negative option transaction scheme whereby they sign customers up for a lengthy trial period. In my case this was 12 months. They then intentionally fail to send a notification to the customer that the trial is ending and that the price will increase, despite promising during the sign up process that they will alert the customer of any price changes. 

Evidently they don't consider a 12 month trial ending and the price being multiplied by a factor of XXXX a price change. 

Citibank is encouraging this anti consumer behavior by supporting the merchant in this deceptive billing practice and reinstating the charge. It is widely understood that these billing arrangements are improper. XXXX has banned this behavior already, and XXXX has announced a similar ban beginning later this year. The combination of the questionable business ethics of running this sort of scheme notwithstanding, with failure to fulfill a sign up promise to notify me ahead of the price change, should be sufficient for a finding in my favor. 

I feel that the charges I incurred as a result of this scheme should be reversed and Citibank should find in my favor. 

The first improper charge is for a total of XXXX from XXXX on XX/XX/XXXX. 

The second improper charge is for the same amount on XX/XX/XXXX. 

The expected amount for both charges is {$4.00} which is what I opened the dispute for. 

Because XXXX promises during sign up to inform the customer of any price changes and they did not do that, I feel these charges are improper.
Product: Debt collection

On XX/XX/2022 I contacted Credit Control Corporation by phone to attempt to pay a debt equalling {$560.00} from XXXX XXXX that I was never given an opportunity to pay before it was sent to collections ( separate issue ). During the call I asked if the debt could be settled for a lesser amount and they offered {$420.00}. With fees, the total came to {$420.00}. 

I was told that Credit Control Corporation would delete the trade lines on my credit reports " on XXXX  '' and that it may take several days to come off. Instead, they only reduced the amount owed to {$140.00} and the account remains open. I disputed this transaction with the three largest credit fascists and Credit Control Corporation reaffirmed the debt instead of complying with what they stated. 

The reference number for my phone call is XXXX and my account number is XXXX
Product: Credit card or prepaid card

Citi bank sent me an offer for 0 % interest rate for balance transfers. So I opened an account on the offer code sent to me via mail. I once account was open I used the balance transfer of {$10000.00} from my XXXX XXXX account to Citi account. That was XX/XX/XXXX, that the balance transfer was confirmed by Citi. Weeks go by XXXX XXXX XXXX reflects no reduction of the transfer amount of {$10000.00}. I call Citi and they stated they sent the funds to XXXX XXXX  XXXX. Citi instructs me to call XXXX XXXX XXXXXXXX as the issue is on their side. I call and XXXX XXXX XXXX says no they did not receive the funds to call Citi. Call XXXX back and told the funds are sent and will hit my XXXX  XXXX XXXX account in a day or two. I wait a week nothing. I called both banks several times including XX/XX/XXXX when XXXX XXXX XXXX agent states they see the {$10000.00} funds disputed and unsure why and what. But then not shown in transactions. She was confused and sent me to the transfer department directly. Transfer department says no nothing there and no dispute to go to Citi bank. Got nowhere with either bank then. Called again a day later and told by Citi to verify the account I do so and mention it was several times. Person at Citi says the issue is the wrong account info given. Total lie but ok as it was verified several times prior in phone calls to Citi. I call on XX/XX/XXXX to both banks and get nowhere. I am told by Citi here is the tracer number XXXX  XXXX can look it up and Citi sees it and verify funds went to XXXX. XXXX # XXXX. I was asked Citi bank for a confirmation of funds transferred and was told it will take 24-48 hours for that department to send me the record receipt of funds transferred. After asking twice for that confirmation on XX/XX/XXXX I got an email from Citi that stated transfer was successful but dated XX/XX/XXXX. Having that tracer number and my customer ID XXXX. I call the banks both again and told by XXXX XXXX XXXX they opened a dispute case on this and I would hear back regarding this situation. I have not and it is nearing a month now. I have been stuck in limbo since XX/XX/XXXX showing a credit card debit doubled what it is. My credit score fell XXXX points due to all this. I am in the process of purchasing a motorcycle and this has directly impacted me and me monetarily at this point. Neither bank will help and both tell me to go to the other bank.
Product: Debt collection

BANKRUPTCY IS SHOWING UP ON MY CREDIT FILE BUT BANKRUPTCY DO NOT REPORT TO ANY CREDIT BUREAU EVER
Product: Credit card or prepaid card

I had over {$3000.00} in fraudulent charges to my card from XX/XX/2022 through XX/XX/2022 before I was able to close the account and start the claims process. Wells Fargo has yet to issue my account a credit for these charges, and every time I call the claims assistance line, I'm told that the case is being investigated while I'm still on the line for all the fraudulent charges posted to my account. The high balance of fraud is starting to negatively affect my credit score.
Product: Bank account or service

I signed up for a Discover Bank checking account using promo code : XXXX to receive a {$300.00} bonus. I fulfilled all the requirements outlined in the fine print and Discover said it was a target promo only open to a few people. It did not state this anywhere on the promo page when signing up for the promotion. I was already a Discover credit card member and it allowed me to apply the promo to my account. Here is the fine print of the deal which I completed every aspect including the direct deposits needed and I am a current Discover credit cardmember. 

" Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. " In XXXX message I had a representative confirm I will be getting the bonus on XX/XX/XXXX. After the day past I inquired again about the bonus and another rep told me I will no longer be getting the bonus.
Product: Debt collection

Dear Sir or Madam : I am writing to lodge a formal complaint against the Army & Air Force Exchange Service ( AAFES ) for initiating an improper involuntary allotment of {$280.00} with the DEFENSE FINANCE AND ACCOUNTING SERVICE ( DFAS ), scheduled to begin on XX/XX/2023. I have not received any response to my notice of dispute and billing error dated XX/XX/2023, citing the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601. 

As a victim of fraud, identity theft, and mishandling of my legal name, my Social Security account number has been traceable to federal and state government agencies systems of records and actions. This unfortunate situation has significantly impacted my financial well-being and credit standing. 

The repercussions of these criminal activities have caused considerable distress, and I have been actively working to rectify the situation, engaging with law enforcement, credit bureaus, and relevant government agencies. I am committed to resolving this issue and protecting my financial integrity. 

While I acknowledge that valid financial obligations are expected to be paid timely, the aforementioned fraudulent activities have resulted in erroneous financial obligations being attributed to me. Despite expressing a willingness to fulfill any valid financial obligations, AAFES has failed to respond to my notice requesting the corporations legal status of the payee identified on my billing statements and credit reports. More importantly, AAFES has not explained why the payee placed in the make check or money order payable to on the billing statement appears to be a non-existent entity. 

Please see attached documents for further details.
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 on how to remove the fraudulent items 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 items 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. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/XXXX I received an alert notification from XXXX XXXX XXXX XXXX  XXXX advising me that my social security number was detected on the dark web on XX/XX/XXXX. I followed the instructions provided and notified the following organizations : Local police, and social security. On XX/XX/XXXX XXXX XXXX XXXX XXXX placed a fraud alert with all 3 credit bureaus XXXX XXXX XXXX, XXXX and XXXX ). On or about XX/XX/XXXXXXXX  I received notification from XXXX providing their contact Information and advising me that they placed an Initial security hold ton my credit file. 
On XX/XX/XXXX I attempted to open a credit card at the local XXXX store and was advised that they were not able to complete the pre-qualification process, and that I would receive a notice in the nail with further instructions. On or about approximately XX/XX/XXXX I received a letter from Comenity Capitol Bank advising me that my request for a XXXX card was declined based on their inability to verify my previous credit experience and referred me to XXXX From that point until approximately the week of XX/XX/XXXX I have been filing complaints against XXXX. 
I spoke with a customer service representative from XXXX name XXXX ( week of XXXX XXXX ) who advised me of the following : A fraud alert does block credit report from being viewed. 
Some credit companies will not run or check credit reports if there is an alert. 
Credit companies that review the credit with an alert will call the consumer to confirm his/her ID. 
Some companies will ask the consumer to remove the alert No inquiry regarding my credit was made by Comenity capital bank in XXXX of XXXX or anytime thereafter.
Product: Credit card

Citi Bank, the owners of my Best Buy Credit, enrolled me into a " Debt Protection '' program without my knowledge. I called and cancelled on XX/XX/XXXX, but they refused to refund me all past payments towards this charge and only will cancel charges going forward. When I asked for proof of enrollment into this program, they did not provide anything. 

In researching this problem, I saw Citi already got in trouble for this same practice in XXXX and CFPB had them reimburse the consumers. They are once again practicing in these sketchy schemes to take money from people. 

My minimum payment is not even {$1.00} more than the charge for this Debt Protection fee. My minimum due is {$42.00} while the Debt Protection fee is {$41.00}. I am currently on a 0 % interest Promotional Balance with Best Buy, so I wanted to pay this off quickly and set my autopay double the minimum payment. If it wasn't for this I would not be paying enough to get my account to zero because of the Debt Protection fee. This Debt Protection fee is a scheme to get people to not pay off their balance in time so people end up paying all the back interest.
Product: Credit card or prepaid card

The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Checking or savings account

In mid XXXX I received a check in the mail from USAA who I have my home insurance with. The check was for over {$3500.00} and the document with it said that it was for overpayment on my home insurance. This seemed suspicious to my wife and I so on XX/XX/XXXX we called USAA to confirm that this was correct. They said that the check was correctly sent to us and that we were cleared to deposit it. We deposited the check and used it to pay off bills and other debts. They sent us a message several days later saying that they had incorrectly deposited another members mortgage payment into our account and that we now owed that money back as part of our monthly insurance payment. This will cause undue stress as I will have to now use my savings to correct for their error after they said that we could deposit and use the money.