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

The Fair Credit Reporting Act (

15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

I filled a complaint and concerns with U.S. Bank and there negative practices towards their customers. I spoke to one of their supervisors name XXXX. She made the problem worst. Without my permission she decided to close both of my U.S. Bank and XXXX credit cards. I did not authorize this. I have recording to back this up. I was not allowed to use my cards. Later on I received two letters from U.S. Bank stating both of my accounts were closed. When I called U.S. Bank a representative stated both accounts were closed, but someone at the Bank reopened both accounts a few days later. For their I apologize they offered me {$50.00} reward card. I explained to them I did not want it. They tried to force me to spend it and I said no. I found out today, XX/XX/2022 someone added money to my rewards account of {$50.00}. I explained to U.S. Bank I did not want the money because they were trying to bribe me. Also, because of tax purposes, I did not U.S. Bank illegally adding and deducting money from my credit card accounts. XXXX has been illegally tampering with my accounts, and it needs to stop.
Product: Credit card

I called American Express on XX/XX/23 to inquire about a 30 % transfer bonus to XXXX that I was not seeing on my account but was seeing on other peoples accounts. The agent let me know that if it was something offered to other people, she would offer it to me as well. She then prompted me to transfer XXXX XXXX points to XXXX and assured me that the remaining 30 % would be applied to my account. Shortly after, I received a call saying that she would not be able to offer me the additional 30 %. She prompted me to move points equivalent to over {$1000.00} USD without making sure that the 30 % would be applied. I asked for a XXXX review and no one reached out to me. I have called in for the last 7 weeks because no one from American Express would call me. On one of my call backs, the XXXX on the line said that the agent from my original call made a mistake and misinformed me. I called in once again today only to be told that there is no compensation or refund that can be offered to me at this time besides a 30 % transfer bonus on any new transfers. I would have never transferred the bonus if I knew that I was not going to be getting the bonus 30 % and trusted the guidance of the agent on the line. I am requesting that Amex makes this right and refunds me the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX XXXX old kid and XXXX XXXX XXXX kid, my current lease manager told me to vacate the current house by XXXX XXXX XXXX XXXX XXXX, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian multiple letters expressing my concerns about inaccurate accounts on my credit report. I have asked them to verify 5 accounts on my credit report. I received a letter from them saying the accounts were verified, but did not provide me with any information or documentation showing how they verified the information or how it was my accounts. I then sent them another letter asking them to provide documentation showing they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted the accounts from my credit report. I have also sent Experian a copy of the XXXX letter and they still refused to delete the accounts. I have also contacted one of the collection agencies ( XXXX XXXX ) to make sure everything was correct that Experian was reporting but they said the account that Experian was reporting with my name on it was a different amount than what they reported. Showing how Experian did not conduct their individual investigation. I will provide all documentation that I have to show Experians inability to follow the laws.
Product: Money transfer, virtual currency, or money service

A person impersonated a Citibank employee and spoofed their phone number. He knew my name, address, account number and balance. He described a XXXX scam to steal money and was protecting me. He sent a request for my balance, I refused it and the bank declined the transfer after sending a email asking if I authorized the transaction, which I did not. But my money was gone. I immediately called Citibank to alert them and was told to expect a provisional credit while they investigated. 
Nearly XXXX XXXX  have passed and they have been totally unhelpful and uncooperative, and still refuse to issue a refund. 
Please see appended documents, including a police report. 
I appreciate your help. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Deletion of XXXX XXXX XXXX XXXX XXXX and Request for Removal from All Credit Reports Dear Sir/Madam, I am writing to inform you of the recent deletion of a charge-off from my XXXX credit report related to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The account, identified as " XXXX XXXX XXXX XXXX XXXX, '' had a reported balance of {$1000.00} and was listed as a charge-off. 

As of XX/XX/year>, after submitting a formal dispute, XXXX completed their investigation and deleted the account from my XXXX report. Please find the relevant details of the account : Account Name : XXXX XXXX XXXX XXXX Account Type : Charge-Off Amount : {$1000.00} Dispute Resolution Date : XX/XX/year> Outcome : Account Deleted According to the Fair Credit Reporting Act ( FCRA ), a consumer is entitled to accurate and verifiable information being reported on their credit report. Since XXXX has completed their investigation and determined that the information is unverifiable, they have deleted this account from my XXXX credit file. 

In light of the deletion from XXXX, I kindly request that all other credit reporting agencies, including but not limited to Equifax, XXXX, and XXXX, conduct a thorough review of this account. If these agencies can not verify this debt, I am requesting that they remove the account from my credit reports as well. The FCRA mandates that credit reporting agencies must ensure that any information they report is accurate, and if they can not verify the information, it must be deleted. 

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : This section states that if any information is found to be inaccurate or unverifiable during a dispute process, it must be removed or corrected. Given that XXXX has deleted the account, the other CRAs are obligated to ensure their reports reflect accurate and verified information. 

Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ) : Requires that credit reporting agencies maintain procedures to ensure the accuracy of the information reported. 

Please take notice that I am requesting the removal of this unverifiable account within 30 days or less. If the account is not removed in the specified timeframe, I reserve the right to pursue legal action, including suing for violation of my rights under the FCRA. I understand that under FCRA Section 1681n, I may be entitled to seek damages if my rights have been violated, including statutory damages and attorney fees. 

I look forward to your prompt resolution of this matter and expect that the unverifiable account will be removed within the legally required timeframe.
Product: Checking or savings account

Fiance tht is in the united states XXXX sent me money via check to pay for furniture the bank deposited the check and then said three days to clear an let me borrow XXXX XXXX an then sent the check back to other bank which caused me go incurr a overdraft and now il b evicted and or homeless they r not willing to work with me and neither is social security
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I visited XXXX XXXX to view a car that was listed for sale. When I arrived I showed them the vin number and stock that I wanted the sales associate did not have the vehicle I wanted. They then said they would show me other vehicle. I decided not to do business with them. They did however informed me that due to me wanting to finance the vehicle they ( car factory ) needed to run my credit but would not submit it to other financial institutions as they do in-house financing. I agreed. However on my credit report it shows 2 other inquiries that I did not authorize. Westlake and XXXX XXXX XXXX I called XXXX and was told I could not dispute it, I had to reach out to the company. However when I did I was as not helped as they could not find my information in the system. I would like some assistance in having these inquiries removed as I did not authorize them
Product: Consumer Loan

We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act was meant by Congress to require that credit reporting agencies adopt reasonable procedures to ensure the accurate reporting of data with regards to credit reporting. On the three credit reports from XXXX, XXXX, and XXXX, the date of last payment regarding this Capital One account is different. On XXXX the date of last payment is shown as XX/XX/2015, on XXXX the date of last payment is shown as XX/XX/2015, and on XXXX no such date is even listed. So there are inconsistencies among all three credit reports which goes against the FCRAs stated purpose. Please ensure the furnisher of such information, Capital One demonstrates the correct date and ensures its on the reporting of all three accounts, or delete the reporting of the account entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the consumer reporting agencies XXXX, XXXX, and Experian of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.
Product: Credit card

I have an American XXXX  XXXX XXXX XXXX card and it was cancelled without notifying me. I was told an email was sent XX/XX/2024, but I never received any email from them starting that day until today. I did not even received an email that my account was closed. I learned it from my XXXX XXXX when my credit score was already hit. I contacted them and per chat I was told initially that it was due my inactivity for at least 6-8months. And the manager told me that it was probably because of security concern that they are preventing fraud activity. I last used the card XXXX of last year with an amount of at least {$1000.00} and I paid it off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX REFUSE TO INVESTIGATE A FRUADULENT ILLEGAL ACCOUNT THAT IS OVER 7 YEARS OLD ON MY CREDIT REPORT, XXXX XXXXXXXX XXXX XXXX, A FRUDULENT, ILEGAL COMPANY. I HAVE TRIED TO DISPUTE THIS ITEM, XXXX XXXX WITH XXXX AND EXPERIAN AND THEY REFUSE TO FOLLOW FEDERAL FCRA LAW AND REMOVE XXXX XXXX FROM MY CREDIT REPORTS! THIS ACCOUNT IS ILLEGAL, FRAUDULENT, OVER 7 YEARS OLD.THIS ACCOUNT VIOLATES FCRA, AND THESE COMPANIES REFUSE TO REMOVE IT FROM MY CREDIT REPORT!!! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATEY! XXXX AND EXPERIAN ARE VIOLATING THE AMERICANS WITH DISABILITIES ACT AND FCRA AND FEDERAL LAW! XXXX AND EXPERIAN WILL REMOVE XXXX XXXX, A FRAUDULENT ILLEGAL ACCOUNT THAT DOES NOT BELONG TO ME IMMEDIATELY FROM MY CREDIT REPORT. EXPERIAN REFUSED TO INVESTIGATE THE MATTER WHICH IS ILLEGAL AND UNETHICAL!! I HAVE REPORTED YOUR COMPANIES TO THE CFPB, THE XXXX  AND THE DC ATTORNEY XXXX XXXX! REMOVE XXXX XXXX, A XXXX $ BALANCE ACCOUNT OVER 7 YEARS OLD FROM MY CREDIT REPORT IMMEDIATELY OR I WILL SUE YOUR COMPANIES. STOP DSICRIMINATING AGAINST A XXXX VERTAN AND FOLLOW THE LAW!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE with the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX Date opened XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card

On XX/XX/XXXX someone tried to open a credit card with Capital One under my name. There are 2 hard inquiries on XXXX XXXX which is Capital Ones credit check program and on XXXX. I called Capital One on XXXX and spoke with a representative that said, she did not see a credit card application or the hard inquiries on my account. 
On XX/XX/, I received a letter in the mail that my Capital One credit card application can not be processed until I send my social security number and my ID to complete application. I did not try to open a new credit card with Capital One so Im not sending information and I did not call number on letter because according to the internet the number is fraudulent. 
Capital One Customer Care Team phone # on letter is XXXX. 

Also, note that on XXXX someone tried to open a credit card with XXXX and XXXX posted a hard inquiry.
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX, Equifax, and XXXX. Please be advised that XXXX XXXX XXXX XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX XXXX XXXX XXXX lacks standing to report such information or to attempt collection on the alleged debt. Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Debt collection

Paramount recovery Systems I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Debt collection

I did not sign a contract for this debt by LVNV funding and XXXX XXXX inaccurate information
Product: Credit card or prepaid card

I purchased a prepaid visa from Check Into Cash ( aka XXXX XXXX XXXX ) they sold me a card for {$6.00} and it was due to expire in 45 days. I was told they were going to send me a card with my name on it, twice. After not receiving the cards and my transactions being declined at a charge for declining it was determined the lady that sold me the card put in the wrong zip code. I asked they resend a card since I never rec 'd the personalized card in the mail. I never rec 'd any cards in the mail. I went to the store, Check Into Cash in XXXX CA and asked that they give me a new unexpired card, transfer my funds since the card was expired and I could no longer have access to my money. I also loaded {$500.00} cash onto what was supposed to be the new card. The lady took my card and loaded it on an expired card and tried to send me on my way. When I asked why she would do that she said I would have to purchase a new card and call and have the money transfered. I told her I wanted my cash back and I WAS NOT going to pay for a new card when I was promised a personalized card in the mail. I have no access now to view any transactions, and my funds are disappearing. I can not log in and everytime I call the XXXX # and push option 2 for english I get hung up on. I am out over {$580.00} and I can not get answers to where my money went. Also, while I was in trying to get this all sorted out, every person that walked in had the same complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Fictious conveyance of language to constitute a fraud.

2. Wire and mail fraud.

3. Defamation/claim 4. Colluded with the credit bureaus to constitute a fraud.

5. Multiple violations the Fair Credit Reporting Act.

6. Falsification of documents.

7. For this with the claim and the original creditor.

8. Collusion, racketeering, and false name change.

9. Engineered fraud.

10. A plethora of accounts have been closed and re-opened without updating information and no explanation listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Today is XX/XX/22 and over the last few weeks I have been attempting to close my account with Barclays. I had a credit card with XXXX XXXX. I was notified many times that Barclays would be taking over. I was not told that my current credit card would stop working one day and that days later I should expect to find a new card in the mail. Also during that time I could not access my account to make payments ; the new card information was required to access my account. I called several times trying to get the new card mailed to me again because I never got one in the first place and this process took several hours over days. The customer service could not help. I was switched to different people to talk with constantly. I was even given a manager number to contact that was actually the fraud line. The customer service reps gave me attitude and no help at all. Today I finally think I closed and paid off my account. I asked to make a formal complaint and I was yet again put on hold and after five minutes or so was disconnected. I feel powerless to Barclays. I still can not access my account to verify that my account has been paid off. I just have to trust that the horrible customer service reps actually did this for me as well as closed it. I cant make complaints with them or get any help. Im just put on hold for hours. I have a job! This is not fair or ethical, and I believe Barclays needs to be held accountable.