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

This complaint is being made without the aid of any credit repair organization or any other party. 
A consumer report received dated XX/XX/2022 as a result of a dispute for unauthorized use and revocation of any and all express consent of personal information and highly restricted personal information as defined at law of 18 U.S. Code 2725 and for which this complaint demands deletion of nonpublic personal information in compliance to the Fair Credit Reporting Act, Fair Debt Collection Practices Act and Fair Credit Billing Act for compliance to the following enumerated consumer laws. 

1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card

Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation.
Product: Credit reporting

I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year.
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo Dealer Services. Over the summer ( sometime between XXXX and XXXX ) my monthly payment jumped from {$440.00} to {$470.00} without notice. I called and inquired about the price jump, and was told that Wells Fargo Dealer Services did not have proof of insurance, so the extra fees were collateral protection insurance added to my vehicle. I have attempted, since XXXX, to update my proof of insurance, but have been stonewalled every time. Wells Fargo Dealer Services currently has no practical way for me to supply them with my proof of insurance, and subsequently they continue to charge me extra money while the matter goes unresolved. I have called them several times trying to fix the matter, but nothing ever gets corrected. I have sent my insurance info to them in the mail, on a fax machine number given to me by a representative and via online website and have had zero confirmation that they received it. I am aware there is a class action settlement against Wells Fargo Dealer Services for this exact same thing, and I believe that I am being affected by their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 requesting to remove inquiries that were not authorized. I have waited over 45 days and received no response. I called and they stated I needed to send another letter with my request. I opted to chat in so I had chat transcripts and they refused to remove the inquiries that were not authorized.
Product: Checking or savings account

Key Bank on XXXX XXXX or XXXXXXXX XXXX XXXX XXXX XXXX  has made unauthorized changes to both my checking and savings accounts after I had made cash deposits. The white male teller even showed me the screen showing me the correct balance for my checking and savings account. It was after I left the bank that changes was made to my account. I asked the tell to make a {$100.00} dollar transfer from savings to checking and also to make deposits into my checking and savings account. I deposited {$340.00} into my savings account on XX/XX/year>. I also deposited XXXX of my pension into my savings. He has been changing things after I leave and putting money into my checking account which no money shows up in the account. It only shows transactions made but the money vanishes out of my account. I made a {$1000.00} deposit into my savings account and {$20.00} into my checking account but the {$30.00} dollars ever made it into my account. I am handing this white male teller cash money that is being put into my accounts. I should have {$1400.00} and change in my savings and {$100.00} and something dollars and change in my checking. I have been taking money from my XXXX XXXX  accounts and putting money into my Key Bank accounts in which the money is disappearing from my accounts at Key Bank as soon as I deposited money. The money goes missing after I leave the bank. The teller is changing things after I leave the bank and finished my transaction. I want a audit done of my accounts. I want to make sure they don't permanently delete information from my Key Bank accounts to cover up their stealing money out my accounts. They are also now saying that the teller switched the deposits around and I spent the money. If I requested my money to be put into the correct account and then later they changed things around to cover up what they were doing is fraud. I want a indepth audit of my checking and savings account and their computer systems. Please investigate. It seems that Key Bank customers have to always go back about missing money out of their bank accounts. Especially elderly Senior Citizens. Please investigate. I can't afford to give away money each month. I just had my Social Security retirement funds direct deposit into my checking and my pension direct deposit into my savings account. Now I'll have to find another bank to bank at an change my direct deposits and direct debits again because Key Bank personnel can't be trusted with people money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!
Product: Credit card

I am a victim of identity theft. Someone applied for and opened a Montgomery Ward credit card account without my consent or knowledge. The Montgomery Ward credit card account is a fraudulent account. I never applied for or opened the Montgomery Ward credit card account. Full Name : XXXXXXXX XXXX DOB XXXX XXXX SSN XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2020, I used USAA 's mobile deposit app to deposit a {$30.00} check with them. The image was captured clearly and successfully, and received as such by USAA. 10 days later, on XXXX XX/XX/2020, I received notice from USAA that they were deducting {$30.00} from my account, plus a {$5.00} penalty fee because the image was returned to them from the bank it was drawn on as " unreadable. '' I called USAA and they confirmed with me that yes, the image I sent them and that they received was a perfectly good image, but that somehow whatever image they forwarded to the other bank was cut off, so you could not see the dollar amount written on the check. They told me that their " policy '' required them to take my money from me out of my account, even though the error was theirs and I had done nothing wrong. 

They asked if I still had the original check, and I informed them I did not. They told me there is nothing more they could do about it, and I was the one who would be stuck with the cost, even though it was their error.
Product: Checking or savings account

On XX/XX/year> starting at exactly XXXX, I was notified of a series of repetative transactions via my Cash App account of {$99.00} from a XXXX XXXX with the location of XXXX XXXX XXXX XXXX XXXX When I locked and reported my Cash App card as compromised and ordered a replacement, a seventh transaction for the same amount was declined. A total of XXXX transactions of {$99.00} had reached pending status. I called CashApp 's customer service number at ( XXXX ) at XXXX, after a considerable wait I was instructed to call back as service hours were ending at XXXX. 

On XX/XX/year>, I called Cash App customer service again at XXXX. Upon speaking to a representative, I explained the situation and was instructed to dispute the claims either over the phone or on the app, I chose the latter for convinience. I disputed each transaction indiviually, explaining the situation of these transactions occuring while I was at home in XXXX, not XXXX. I uploaded screenshots of the transaction history and waited. 

On XX/XX/year>, I received a response from Cash App and all XXXX disputes were denied. Their evidence for their investigation led them to determine that I somehow made these transactions as my 'device was on my person '. I had called back at XXXX and reached another representative who, after I explained the situation, assured me that my disputes were " going to be escalated ''. They sent me an email reviewing my denial and then nothing. 

On XX/XX/year> I called Cash App costumer service once again to dispute the transactions, this time over the phone with more clarification to the representative. After resubmitting all XXXX disputes and uploading the previous screenshots with a written statement, they were all denied the following morning of XX/XX/year>. 

I am at loss of {$600.00} and Cash App refuses to do anything about it because Cash App 's determination that my " device was on my person at the time of the transaction '', not to mention there is not a single instance of similar transactions in my entire Cash App history. My only next option is to file small claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account Number:XXXX  Account NumberXXXX Account NumberXXXX According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has closed yet another complaint without addressing the issue and still not telling the truth but here are the words they will recognize, compensatory damages, punitive damages, the length this company will go to scam people is incredible
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their inaccurate reporting of an XXXX account on my credit report. I believe that this reporting is unjustified and violates the Fair Credit Reporting Act ( FCRA ). 

I received a copy of my credit report from TransUnion, and to my surprise, I discovered that an XXXX account was listed. I would like to point out the following issues with this account : Lack of Business Dealings : I have never conducted any business or entered into any contractual agreement with XXXX. There is no history of any written or verbal contract between XXXX and myself. 

No Outstanding Debt : I do not owe XXXX XXXX XXXX any balance. The account in question with XXXX XXXXXXXX XXXX  was closed, and there are no outstanding debts or balances associated with it. 

Unauthorized Reopening : TransUnion reopened the account with XXXX without notifying me or seeking my permission. This unauthorized reopening is in direct violation of my rights as a consumer. 

Missing Disclosures : XXXX has not provided any written disclosures with my signature to support the validity of this account. As a consumer, I have the right to receive written documentation regarding any debt, especially one that negatively affects my credit score. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. I also ask that TransUnion correct this erroneous information and provide me with a revised credit report that accurately reflects my financial history.
Product: Checking or savings account

It appears that Chime has opened a checking account without my consent. I received an email on XX/XX/year> that a new account was opened. I then received a debit card in the mail on XX/XX/year>. 
At no time did I authorize chime to create an account, I'd never even heard of chime prior to receiving the email that an account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ask us to update our information in their system on XX/XX/XXXX, because we are an owner of the timeshare and they told us that the company has a new system. So since we did not accept our tablet last XX/XX/XXXX and the welcome package they sent us, they will contact the main office if they can reinstate the expired offer. They asked our ID and SSN to verify our account and ask us to sign that they authorize us to look at our account in the system but they never informed us that they will run our credit. I just found out because I have XXXX  XXXX  who monitors our credit scores.
Product: Debt collection

I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to Knight Adjustment to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back Knight Adjustment to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.
Product: Credit reporting

XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.
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. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

It was an application for the XX/XX/XXXX credit card I never finished to changed my mind, I never signed anything for a credit pull, the app started with some undisclosed pre - something I never seen any written, and I definitely did not physically sign for anything! I tried very hard to make a good credit score and I was doing real good and now, they jacked it all up. XXXX XXXX XXXX, In, I believe it was on the XXXX XXXX, ELAN FINANCIAL, XX/XX/XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, XXXX, AND TRANSUNION HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : 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  YOU, XXXX, XXXX, AND TRANSUNION, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Product: Credit reporting or other personal consumer reports

I have repeatedly over the course of many months requested a copy of the Purchase Agreement showing that XXXX XXXX purchased the alleged debt from XXXX XXXX XXXX. Acct # XXXX ; Amt off : {$860.00} XXXX and XXXX repeatedly misrepresent " verification '' in their unlawful responses ( including those to the CFPB ) by simply sending laser printed copies of statements without signatures allegedly from the account. This is not what I have requested. This is also not legal " verification '' of the debt. What I have requested ( and what I am entitled to ) is the legal Purchase Agreement to prove to me they have the right to enforce and collect this alleged debt. I wish to see proof they own the account, and review the terms of that Purchase Agreement, to ensure they are using accurate information in their currently unlawful practices. I RENEW MY DEMAND FOR A COPY OF THE PURCHASE AGREEMENT. They understand exactly what I am asking for. Yet the falsely pretend to be responsive to the CFPB by claiming they previously sent " verification '' to me. They have not sent any proof they own this account and have any legal standing to collect upon it. PLEASE DO NOT LET THIS COMPANY CLOSE THIS CASE AGAIN WITHOUT PROVIDING THE ACTUAL PURCHASE AGREEMENT REFERENCED ABOVE. I predict they will again mislead the CFPB unlawfully by claiming they have already " verified '' the debt with simple copies of statements, etc. This does not meet the legal standard to prove they own the debt. They continue to MISLEAD THE CFPB, and many consumers like me with falsified replies that fail to address the VERY SIMPLE REQUEST FOR THEIR PURCHASE AGREEMENT. Their ongoing fraud is a direct violation of the FCRA and FDCPA. I will continue to complain about this company until such time as they send me a copy of their legal Purchase Agreement. Until they prove their ownership of the debt, their negative credit reporting remains illegal and their illegal practices should be investigated. They knowingly engage in this type of fraud routinely as the victimize many consumers. I grant them permission to contact me if they wish for the limited purpose of assisting me in obtaining their Purchase Agreement and deleting their wrongful reporting from my credit reports.
Product: Debt collection

I removed their authorization to call me FOUR months ago! I have repeatedly told them NUMEROUS times that they have NO authorization to call me or ANY number associated with me. They are calling daily FOUR to FIVE times a day. In addition to this XXXX credit card account, I contacted synchrony and digitally told them they had NO authorization to call me on ANY account and to stop all calls back in XXXX. They had stopped for a bit but started again. I have had at least 120 calls since mid XXXX. I now will not be satisfied with anything less than {$1500.00} for EACH call because they are robocalls and they are leaving robocall messages on my phone. They have even closed my account even though I paid them {$220.00} in the last 30 days.
Product: Credit reporting or other personal consumer reports

XXXX consumer is reporting late payments to the credit agency which is a violation of my consumer rights under 15 U.S.C. 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 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX 5 LATE PAYMENTS Balance details 1 % paid off Balance {$48000.00} Balance updated XX/XX/2024 Original balance {$48000.00} please assist in rectifying the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1681 ( a ) Experian is in violation of my right to privacy and information Id like private that is posted on my consumers report. 

Account : XXXX XXXX