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

This is my NUMEROUS request 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 accounts 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 XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXXXX/XX/XXXX.
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. Account Name : XXXX XXXX  XXXX, Account Number # 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate. I filed a dispute with Equifax Credit Bureau for the inaccurate delinquency reporting and status of this account, further Equifax Credit Bureau solutions has failed to also verify this account with the original signed contract with my signature date and name. They have not verified so it should be deleted immediately in accordance with the Fair credit reporting laws. These failures and noncompliance with the Fair Credit Reporting Act have caused me to be denied for credit due to the negative reporting history from this which was paid as agreed and was to be removed from my report.
Product: Credit reporting or other personal consumer reports

This is to follow up and I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation. Kindly help me remove the following items immediately 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 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 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 card or prepaid card

I bought a t-shirt for {$20.00} from XXXX and had problems setting up auto-pay. In the end I paid the balance off and called to close the account. I was told this was taken care of so I cut up the card. 

I have continued to be billed for various bogus charges, late fees, etc., and have been unable to get anything done despite massive effort over a long period of time.
Product: Vehicle loan or lease

I purchased a car from XXXX and was informed a few days later that it was involved in a trailer fire. I have called multiple times to get a replacement vehicle but each time I give XXXX a new VIN, they tell me a couple days later that the car they supposedly put on hold for me is now no longer available and was sold to someone else. It has now been over 22 days and I have called multiples times and have sent several emails with no resolution. I now have a loan on my Chase account for XXXX XXXX for a car I dont have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/13 Balance : {$27000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

This has been going on for nearly a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Systems has allowed XXXX to not only add inquiries to my Early Warning Report but also has allowed them to open accounts. I did not authorize XXXX to open neither a checking nor savings account in my name. This only occurred after my wallet was stolen and my identity was contained inside my wallet. I am not a member of the military and you have to either be a part of the military or a part of the military family to obtain membership. My Family is not part of the military either. Therefore the membership is fraudulent. I have notified Early Warning Systems and haven't received any documentation back from this I have not even received a copy of my report they promised to send to me. My Address needs to be updated in their system. These accounts are fraudulent and as a result of Identity Theft. I am attaching my Identity Theft Affidavit. Please block all XXXX  inquiries and Accounts. In Addition to the XXXX  Accounts I see XXXX XXXX accounts on there as well now. These again are Fraudulent. I did not authorize XXXX XXXX to Allow Checking Nor Savings accounts to be opened in my name. Please follow proper procedures in blocking the inquiries and the fraudulent accounts in which i did not authorize. Once completed please send me a new copy of the early warning systems report by email.
Product: Money transfer, virtual currency, or money service

This is for Paypal. I was charged in XXXX pounds on XX/XX/XXXX XXXX by mistake and when I contacted the vendor was promptly refunded XXXX on XX/XX/XXXX. 

However due to hidden fees and unfavorable exchange rates chosen by paypal without appropriate disclosures I lost {$35.00} in those two days. When I looked up exchange rates and called paypal they were unable to give me any explanations other than vague explanations about policy changes and when I asked what the fee amount was they were unable to look it up or even let me know. 

This is predatory fine print and fees and it would have been cheaper payign by my credit card directly if I knew and I will not use paypal anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX  : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, XXXX Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC. no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX call customer service at XXXX ask them to remove or close my XXXXXXXX XXXX XXXXy because they did with no problem. Then I call TransUnion to ask them the exact same thing. And every one of them gave me the wrong information as three wrong phones number. I just need my information on my credit report up dated and it's been up there for 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported on my credit report under BMW Financial Services. I have paid my account on time every XXXX XXXX  and somehow BMW has made a mistake and reported my account as late. I currently see a late payment reporting on XX/XX/2022 and the account comments is saying the account is currently past due XXXX XXXX I have never been late on paying this account, in fact I have paid this account for said XXXX in advance. For those months my statements have all said paid ahead of time XXXX XXXX XXXX. This has to be an error on BMW. I have tried calling customer service and they too have told me that my account is current and being paid on time. They said there is nothing they can due to remove the lates on their end but that I would need to dispute it. This is what i have tried doing and after getting no response I have come here to submit a complaint. This is very unfair as I am in the middle of very important projects and this has dropped my score over XXXX XXXX  for no reason at all. Please this needs to be fixed I have all statements and proof that payments were made on time for this account, please fix this. I have had an outstanding relationship with BMW in the past and hope this is fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

Thursday XX/XX/2019 there was a charge of {$830.00} taken from my account. I immediately reached out to bluebird and filed a dispute against the charge, a day later they emailed me back and said they were going to denie my dispute. I was confused as to how someone could get this money out of my account without my approval and every time I ask a representative that question they evaded the question and change of subject immediately. All I want is my money back and for it to be solved and hopefully for it not to happen to anyone else
Product: Credit reporting

XXXX is still listed on my credit report with a debt owed to XXXX. This account has been paid and needs to be removed.
Product: Debt collection

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 21 times a charge off on one account. How can any single account be charged off 21 times? A negative of 4 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 4 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. There is also inconsistent information being reported to different bureaus.
Product: Credit reporting or other personal consumer reports

These inquiries listed below are not mine and I want them to be removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 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 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 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 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 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 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

On XX/XX/year> and forward i had alot of problems when trying to send or receive money with being on hold on XXXX
Product: Checking or savings account

I recently opened a Checking Account with Discover bank, and it was working fine for the past few weeks, but when I logged into the mobile app today, it said that my account was locked and I would need to contact their customer support to have a resolution. I have been trying to call them every day for the past 3 days, but they have been saying there is a 3+ hour wait time. I tried waiting the 3 hours on 7 different occasions, and every single time the system automatically ended the call with no response on the other side. I have no choice but to file a complaint with the FDIC. I have all my money in that checking account, and Discover has disabled all access to that account & there is no support available to respond to lifting the freeze. I checked online, and MANY other customers are also experiencing this similar type of issue. No callback, no response from them. Please advise on how I will be able to recover my money from this dreadful institution, and go about banking with a different institution. Thank you.
Product: Bank account or service

Synchrony Bank has stolen {$2000.00} from me!! The bank accepted and cashed my check XXXX # XXXX XXXX in the amount of {$2000.00} and then advised me that my account balance is {$00.00}! Details follow : XXXX XXXX-I mailed my check # XXXX in the amount of {$2000.00} to XXXX ( Synchrony Bank ) see Attachment A. 

XXXX XXXX-TD Bank debited my account in the amount of {$2000.00}. See Attachment B. 

XXXX XXXX XXXX ( Synchrony Bank ) acknowledges receipt of the {$2000.00} and deposits the funds in XXXX. See Attachment C. 

XXXX XXXX XXXX ( Synchrony Bank ) that my account balance is now {$2000.00}. See Attachment D. 

XXXX XXXX received a telephone call from XXXX. The woman said " I have a check for {$2000.00}, what am I supposed to do with it? '' I asked where was the paperwork that accompanied the check? The woman said " I do n't have no paperwork, I just have the check ''. I told her as I noted in the memo field of the check that I wanted a XXXX month CD. 

XXXX XXXX XXXX XXXX Synchrony Bank XXXX submitted my check number XXXX for a XXXX time! See Attachment B. 

XXXX XXXX-XXXX returned to the check for insufficient funds and charged my account {$35.00} for the overdraft. See Attachments B and E. 

XXXX XXXX XXXX ( Synchrony Bank ) advised that my account balance has been adjusted to XXXX because the XXXX time they submitted the check was returned for not sufficient funds! 

XXXX ( Synchrony Bank ) has failed to say what they did with the {$2000.00} they received on XXXX XXXX. Repeated attempts to call and get the situation resolved have failed.
Product: Credit card or prepaid card

I received a secured credit card with capital one with a {$200.00} balance to help build my credit. I put {$100.00} down to received the card. My FIRST payment wasnt due until XX/XX/XXXX I believe ( around that time ) but made my FULL payment via my bank account on XX/XX/XXXX. I wasnt sure about which of the 5 routing numbers to use for my area but picked the one closest to me and sent the payment. I checked my account all the following weekend but no withdrawl was made to my bank account for the amount due. I called Capital One Monday XX/XX/XXXX to see what was going on and they said it was returned ( routing number ) and said just find correct routing number and resubmit which i did IMMEDIATELY! Note that the Capital One rep NEVER said my account was closed or anything of that nature and that resubmitting my payment would fix the issue. Fast forward to Wednesday XX/XX/XXXX still no payment taken out of my bank account. I called and spoke with my bank and they said it shows to be taken out overnight on Thursday XX/XX/XXXX. I called the number on the back of my card to let them know what my bank said and my card sent me straight to the fraud department. I spoke with a rep who REFUSED to give me his employee ID number after I caught him laughing/giggling at me while having our conversation. I can only assume he was laughing at how aggitated I was because I am TRYING to build my credit and such a simple issue could have been easily resolved OTHER THAN SHUTTING DOWN MY CARD. I have plenty of money in my bank and was ATTMEPTING to pay my balance due EARLY and now because Capital One couldnt of contacted me to let me know about the routing number issue ( even though i clearly made calls to fix issue ) my account is closed and I have to now reapply and no other options. This is bad business! If my funds werent available thats one thing but because of a mistake entering my routing number???? and again the rep ( Employee number XXXX - XXXX XXXX ) was such a jerk on the phone and had such a condesending attitude I wil NEVER do business with Capital One ever again! I am FURIOUS as I feel I am being severly penalized for an issue that was in NO WAY anything other than trying to pay my dang CC bill! The way I was treated by XXXX was unprofessional and I will continue to file complaints with state/local/federal agencies to let them know about how Capital One likes to do business and not actually provide customer service in any way! I am trying very hard to establish and build credit and the first time I get a card this happens!?!? And their reply is " ohh well, you can reapply but we closed the account ''. I would like someone to take action against Capital One Employee ( Employee number XXXX - XXXX XXXX ) for how I was disgustingly treated when I CLEARLY was trying to make an EARLY PAYMENT IN FULL! I will never use their services ever again and will also discourage any friends/family from doing so in the future.