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

Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

To whom it may concern, on multiple occasions I have been contacted by both Atlantic Credit & Finance Special Finance Unit,  LLC ( ACFSF ) as well as their counter partners XXXX XXXX XXXX, XXXX. ( XXXX ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by ACFSF, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from ACFSF, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for ACFSF asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ).  These communications with ACFSF transpire within the first two weeks of being contacted by their office.

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by ACFSF, along with their counter partners XXXX, in XXXX county circuit court of  Illinois. On XX/XX/2014, a judgment was entered in favor of ACFSF. The judgment has now provided both ACFSF and XXXX, the ability to garnish my pay checks as a result this phantom debt created by ACFSF and enforced with XXXX. 
Im seeking assistance from the CFPB, to place an inquiry into both ACFSF and XXXX actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. 

I implore your office to take immediate action in this matter!
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, you are required to delete any incorrect accounts from my credit report. Could you review the documents? Some accounts listed have reporting mistakes, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently reviewed my Equifax credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XXXX XXXX  ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 
Your company has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ).

I am writing to you, once again, to update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for Equifaxs negligence to comply with duties imposed by the FCRA willful noncompliance.

Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent.

Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information.

In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure.

There is lawful a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit card

XX/XX/XXXX the account was opened due to identity theft. I recieved a bill back from Victorias secret in XXXX for an account I did not open. I contacted victorias secret back then to tell them I did not open this account. My information was stolen and a police report was filed. 
I am writing to formally report that an account has been fraudulently opened in my name without my authorization. This is an instance of identity theft, and I am requesting immediate action to resolve this matter. 

The unauthorized account information is as follows ( if available ) : Date Account Was Opened : XXXX XXXX I first became aware of this issue on XX/XX/XXXX when I recieved a bill, and I have never authorized or opened this account. 

Please take the following steps : Close the unauthorized account immediately. 
Remove any fraudulent charges or activity associated with the account. 
Confirm in writing that the account has been closed and no negative information related to it will be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/2021 Transunion XXXX Personal Loan Companies XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, personal XX/XX/2021 Transunion XXXX Personal Loans Companies XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : 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 account was charged off and no 1099-c was not mailed. by it still being on my credit it's in violation.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries.

To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which is XXXX fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : Experian XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX TECHNOLOGIES XXXX XX/XX/XXXX and all other pulls from this company UNITED STATES XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX and all other pulls from this company EXPERIAN XXXX XX/XX/XXXX And all other pulls from this company EXPERIAN XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXXXXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX BANK Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit card

I submitted a full payment of {$3600.00} on XX/XX/XXXX for my American Express Delta Skymiles XXXX card ( due date XX/XX/XXXX ). It went through and then I received an email on XX/XX/XXXX saying that my payment didn't go through via my bank. 

I contacted their customer service via chat on XX/XX/XXXX, and they said I entered the wrong bank info. The problem with that is I had an existing American Express XXXX XXXX XXXX XXXX ( XXXX ) on the same account with the same login info that I had canceled about a month prior. I had used this same saved bank info on my account to make payments to my Amex XXXX without having issues. Yet Amex claimed that I entered the wrong info. Their customer service person asked me to enter my bank info securely over their chat a few times and claimed that I entered it incorrectly even though it was copied and pasted exactly the same way every single time. Then on like the 3 or 4th time they claimed it went through since they had to re-enter it on their end. 

They then told me to wait 48 hrs for the statement balance to get re-updated and all the fees and charges will be waived. I re-submitted the full balance amount again as soon as I was able to within 48 hours on XX/XX/XXXX. Then I noticed an interest charge of {$89.00} on XX/XX/XXXX. Again, I submitted my last statement balance amount in full on their app for the next payment cycle ending on XX/XX/XXXX. Again, I notice a trailing interest charge of {$24.00} on XX/XX/XXXX. 

I contacted Amex multiple times via chat and phone on XX/XX/XXXX explaining this situation, and they outright refused to help me saying their system won't allow it. They keep on gaslighting me saying that it happened because I had entered the wrong bank info from the very beginning even though I had never changed my banking info and used it to make payments for the different Amex card in the past. 

Even when they're the ones who updated the bank info on XX/XX/XXXX, i.e. deleted the bank info and re-entered the same exact bank info, they're claiming that I entered the correct info on XX/XX/XXXX, since the payment now went through on XX/XX/XXXX. Since this was past the due date, I'm responsible for the charges. This seems like a fraudulent practice of charging interest despite making full statement balance on time. I shouldn't be responsible for paying interest due to their mistake. They're obfuscating the details of the prior conversation even through it's available above them in the chat messages on their app. Their agents and supervisors over the phone claim they can't see the chat messages. They're being completely unhelpful in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00} XXXX XXXX Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX. 

Despite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry. 

To address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry. 

Removal of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( XXXX, Experian, XXXX ). 

Enforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future. 

Restitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile. 

I appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your assistance in addressing this issue. 

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

TransUnion persists in reporting XXXX XXXX, which has been successfully removed from my XXXX report. This discrepancy raises concerns over compliance with the Metro 2 guidelines. Specifically, it appears to violate Metro 2, Field 19, which dictates the reporting of " Date of First Delinquency. '' I have provided evidence of the deletion from XXXX and request immediate correction to align with Metro 2 standards.
Product: Debt collection

A purchase was made on a Macy 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, XXXX XXXX XXXX XXXX. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.
Product: Credit card or prepaid card

This compliant file againt Td BANK NA for drop credit line to get hight interest payment, the acount never been late or any missed payment ever! TD Bank play a game with there client money by drop the credit line and that wrong i have been a client of td bank for over 30 year went they was XXXX out of south carolina credit line XXXX XXXX on a XXXX credit scores and these was signatrue loan so now iam at 96 % of my credit limit so they can charge high interest. charged of XXXX one year ago. and i pay ever month over the payment check the reacod. i pay this interest first then i pay the month payment.. that is so wrong. that is unfiar. that wrong ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Date report XX/XX/XXXX and date opened XX/XX/XXXX which is also inaccurate
Product: Checking or savings account

I'm a customer that had issues with high overdraft fees, I would like to compensated for my concerns with Wells Fargo.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

This morning I got a call from a company by the name of Superlative RM. The person refused to give his last name but his first name was XXXX. They have the CFPB logo on their website so I assume you are somehow endorsers of theirs. Anyway, I calmly explained to this person I did not owe any debt to the company. The rep laughed at me and said they were going to report the debt to the credit bureaus and said that I had to dispute the debt in writing. I demanded that they validate the debt as is my right under Federal Law but they refused to do so. I never signed any contract with this company and have never heard from them. They also called me from a ( XXXX ) ( XXXX XXXX ) phone number but I found out they are based out of California and are operating under XXXX different company names. He also had my personal information such as my social and I told him he did not have my permission to have or use this info.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 inquiries popped up on my credit report that isnt mines i dont recognized them and its fraudulent i never authorized these inquiries and i dont know where it came from
Product: Checking or savings account

I had 3 fraudulent debit card charges that I did not make. There were two charges from XXXX for {$8.00} each, one charge from XXXX XXXX XXXX for {$86.00}. All of these charges occurred on XX/XX/2020. I reported the fraud to my bank account Chase on XX/XX/2020 by calling them over the phone and I filed a debit card fraud claim. Within a few days I received a temporary credit for all 3 charges. On XX/XX/2020 Chase cancelled the temporary credits. I called Chase on XX/XX/2020 and they told me my fraud claim was denied because I have done business with XXXX in the past. I have a XXXX account but, my monthly recurring charge from XXXX was {$17.00} and is now {$14.00} ( because I downgraded my plan ) and occurs on the XXXX of every month, which is a different amount and day of the month. I've attached my XXXX account showing the amounts and dates are different than the {$8.00} fraud charges. I've never done business with XXXX XXXX XXXX ever. When I spoke to Chase over the phone on XX/XX/2020 they refused to refund the fraudulent charges, I asked if I could appeal the decision because I did not make these charges, they said no and they told me I had to contact the merchant to get the funds refunded. XXXX on their own refunded one of the {$8.00} charges themselves. On XX/XX/2020 I went to a Chase branch ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) And asked that my account be closed. I did not make these charges. My account is supposed to be protected if fraud occurs but, Chase Bank did not protect my account and then refused to reimburse me for the fraudulent charges.
Product: Payday loan, title loan, or personal loan

Tried to negotiate and pay off balance. Company agreed initially and was supposed to reduce balance. Instead company reported inaccurate payment Info and balance info to the bureaus