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

I have contacted XXXX Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now XXXX Card again posted all the charges back to my account for transactions listed below. 
XXXX resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The XXXX resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX XXXX XXXX XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX  XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX XXXX XXXX  XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX XXXX   XXXX XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX Card. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to XXXX  since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Product: Debt collection

self/ lead bank balance owed {$0.00} opened 2021 ( XXXX XXXX XXXX, XXXX XXXX I have never opened an account with this company and have contacted them and sent them XXXX reports and have asked them to remove this fraudulent account from my report, there is no verifiable evidence to attach this account to my report nor have I gave them consent to run my credit/ attach anything to my report. PURSUANT TO 15 USC 1681 & Under 15 U.S. code 1692j the account much be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

First contacted Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting bXXXX XXXX XXXX XXXX theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXXwith no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

15 U.S. Code 1692c - Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock XXXX  and before 9 oclock XXXX, local time at the consumers location.

Also, the address listed on the account is inaccurate.

XXXX XXXX XXXX  has never been my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. 
Details : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. 
2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. 
3. The account number for this card is : XXXX. 
4. After enrollment with XXXX I received a " Paid Invoice '' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. 
a. I believe this receipt was mailed to me using the US Postal Service. 
b. No other document was received. 
5. Nothing was received stating any of the " Terms and Conditions '' of membership especially as relates to cancellation or re-enrollment for any services. 
6. No notification was received from XXXX as to a yearly fee of {$99.00}. 
7. No communication was received from XXXX whatsoever. 
8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. 
10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. 
11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. 
12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. 
13. XXXX made an unauthorized charge to this account. 
14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. 
15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. 
16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... '' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. 
17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. 

The documents attached as a pdf file are those referenced in the narrative above. 
I repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. 
This is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. 
Please see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Debt collection

On XX/XX/XXXX, I received an alert regarding a decrease in my credit score reported by XXXX. I checked with XXXX, and a debt collector called EOS CCA reported that I owe {$2700.00}, with an original balance of {$2000.00}. XXXX also reports that the payment status is " seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The account with EOS CCA was opened on XX/XX/XXXX according to XXXX and the original creditor was XXXX XXXX Bank. I did take out a XXXX XXXX student loan in XX/XX/XXXX, but was never notified in any capacity that this loan had been transferred to EOS CCA by any involved parties. The co-signer of the XXXX XXXX student loan was also never contacted. XXXX XXXX 's website also does not report anywhere that this debt had been transferred to EOS CCA, with the last financial disclosure document available for me to download on their website being from XXXX. 

I had absolutely zero knowledge that this debt was owed until XX/XX/XXXX despite the account supposedly being opened on XX/XX/XXXX. I STILL have not received written, electronic, or phone communication regarding this debt. The only reason I found out about it was because my credit score dropped and the bank that issued my credit card alerted me to it. 

The actions taken by EOS CCA have drastically harmed my credit score when I am trying to improve it in preparation to take out a vehicle loan.
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairess, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, this states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they for sure do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any business with XXXX XXXX. However, this company has reported a {$20000.00} fraudulent debt to Experian. Instead of asking this company for proof of this debt, Experian took their word and placed this fraudulent debt on my credit report. I believe that Experian did this because of my XXXX and XXXX. I am an XXXX American woman. This is slanderous and libelous. XXXX XXXX and Experian should be held accountable for putting fraudulent debt on consumers credit reports.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Could you please ensure the removal and blocking of these fraudulent hard inquiries from my credit report? These inquiries are unauthorized and potentially indicative of fraudulent activity. It's imperative to take immediate action to safeguard my credit profile and prevent any further unauthorized access. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is against Transunion i had a collection removed from my credit report there name were XXXX XXXX XXXX. On XX/XX/2023. An Transunion drop my Score from a XXXX to XXXX XXXX points this has to be fraudulent incorrect reporting i have also noticed this type of reporting done with XXXX an XXXX I would an investigation done on my behalf concerning wrongly fraudulent credit reporting on all three for the year of XXXX thank you
Product: Debt collection

This company appeared on my credit report out of nowhere ... Never heard of this company before ... Don't have any idea about the amount they claim owed ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

In 2017, KeyBank told XXXX XXXX about a check I wrote to KeyBank, the check cleared so I don't know what is wrong with KeyBank my Funds come from : SSI, XXXX, XXXX  XXXX, and XXXX  Pension.this is my INCOME, I wrote KeyBank a check and it cleared
Product: Debt collection

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort
Product: Debt collection

To Whom It May Concern : ALL XXXX AND Navient Accounts are too old for reporting to the credit bureau 's and for collections, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from Navient, and before Navient acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX XX/XX/1980 XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX , Texas XXXX
Product: Credit card or prepaid card

I received an alert from XXXX XXXX XXXX XXXX my finacial institution credit alert stating there was an alert for suspicious activity and possible fraud after which I logged into my XXXX credit online account and found it was an account opened in XX/XX/2022 in my name with Capital One and it was reporting late payments and possible Collection account. I am currently deloyed in XXXX and I have not been in the US for over XXXX... So I used the contact number found on my credit report to contact Capital One to let them aware it was Fraud ... after I called XXXX to make a dispute on the inquiry and account.
Product: Checking or savings account

On XX/XX/24 chase bank put a hold on my checking account because of 3 mobile deposits. Amounts were {$750.00}, {$1500.00}, and around {$980.00}. These deposits were printed checks from my sons horticultural company, Chase said that these accounts could not be found at issuing bank which is not true. They returned the deposits and put a hold on my account. On XX/XX/24 I was supposed to receive my direct deposit from my employer in amount of roughly {$3700.00}. After trying to figuddd out how to access my paycheck from the Chase account it was deposited into Chase said the account was going to close and k couldnt use any atm or other means of withdrawal funds. It is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint XXXX, XXXX, and XXXX & I am including these again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX