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

These items are not transactions conducted by me as a consumer. 

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 Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX 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 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 reporting, credit repair services, or other personal consumer reports

I have a total of XXXX inquires that I didn't authorize. I only had space for XXXX  one the first complaint so I'm filing a second complaint because there's on space for three at a time. 

1- XXXX XXXX XXXX XXXX2021 I contacted them but it only had options for. 
dealerships. I can't get through! 
2- XXXX XXXX  XXXX XXXX XXXX2021 I called them and they just place you on hold I was told to contact the credit agency 's and.

I did and they didn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX. CHILD SUPPORT XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX XXXXXXXX XXXX  Account # XXXX. Has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On the XXXX of XX/XX/2023, I received a email from the bank that my pin has been changed. But I didn't initiate this action. And I sent a message to the bank immediately. The next day, I noticed that online automatic payments I had scheduled were being returned for insufficient funds. But l provided for these payments in my account. When I finally got access to my bank app, I noticed XXXX withdrawals totalling {$1500.00} had been made from my checking account. I didn't initiate these withdrawals. The statement showed that this activity was done at XXXX, XXXX XXXX XXXX XXXX. When I contacted the merchant, they identified these charges on their system. But said, my bank atm associated with my checking account at Chime Bank was not the card used in making the transactions. The last XXXX digits of my card which I provided the merchant did not match the card on file used for the purchase. I contacted Chime bank the first few days after noticing these charges. Chime initiated a investigation. But within XXXX hrs, Chime returned with a verdict that no error occurred and as such, I will not get a temporal credit or a full refund of the debited charges. I called Chime again, stating my displeasure with the first complaint. And they reopened the investigation for the second time which is ongoing as at the time of my making this report. Chime failed to secure my funds in its care. The Company through recklessness allowed thieves to gain access to my funds even without using the debit card it had issued me. This was evident after l had called the merchant in XXXX XXXX XXXXXXXX, the location of the theft.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Caine & Weiner Company , Inc. for committing identity theft. I have never given Caine & Weiner Company , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Caine & Weiner Company , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Caine & Weiner Company , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Caine & Weiner Company , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

On XX/XX/2020, Capital One credit card company sent me an email reminding me that my credit card payment was due. It offered me to make the payment due that day by clicking a send payment button. It was quick and easy and I have used this service before without a problem. 

Problem 1- The Capital One credit card payment was being taken from a Capital One checking account that I had closed XXXX  years ago. 

Problem 2- The payment was returned and I was charged the high-interest rate on my {$3100.00} balance credit card balance along with a late payment fee.

This was definitely a fraud and requires attention as I did not even have this OLD checking account as my payment. History will show that I had been using my XXXX account which I had since the XXXX. 

Submitted are the email and last year of payments to Capital One credit card from a bank different than the one they offered payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX incorrectly is reporting the last payment made on this old credit card account as being : XX/XX/XXXX also reporting open date as being : XX/XX/XXXX. I believe this is an attempt to manipulate the FDCPA by erroneously reporting the incorrect information so the drop-off date from the XXXX 's would be pushed further out. I have made no payment on this account since the account was closed. I do not have the exact date, but it is at least 2 years prior to the reported date. In addition, the open date was in XXXX.
Product: Credit reporting or other personal consumer reports

Comenity BankXXXX XXXX XXXX  closed my account ( opened XX/XX/XXXX ; closed XX/XX/XXXX ) without any notice or ability for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since XXXX. Comenity BankXXXX claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Comenity Bank/XXXX XXXX XXXX disclosed their policies regarding card inactivity. I have asked them to make changes but nothing has been done. Because of the account closure and negative reporting, my credit score has been affected and it has caused me great stress. I would like this account to return to reporting a positive status or be removed from my report.
Product: Prepaid card

Purchased a XXXX XXXX  gift card from XXXX, {$25.00}. Tried to redeem it and was told to fill out a form. Weird, but I did with the original receipt included. Then they tell me I can't use it due to inconsistencies but won't tell me what. I'm pretty sure it's illegal for a merchant to refuse their own gift card. Afterwards finally I got an email straight up saying the gift card I validly paid for is no longer usable, a merchant can not do that. This is the second complaint I have to file because for some reason my first complaint was closed. I've included the original receipt as proof of ownership and purchase.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove 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 any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted my original dispute, via TransUnion, with XXXX XXXX XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). TransUnion came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, TransUnion came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!
Product: Debt collection

Date : XXXX XXXX, XXXX Complaint Filed Against : XXXX XXXX XXXX XXXX Company Nature of Compliant : Fraud, Extortion for Money To whom it may concern : I intend to report a case a of fraud by XXXX XXXX XXXX XXXX XXXX XXXX In the past, I had been a member of XXXX XXXX XXXX XXXX and at one time frequently used their work-out facilities. I have recently decided to end my membership with the gym and followed the correct procedures to cancel my membership by sending a letter to the local gym XXXX with my intent to cancel in XXXX XXXX. 

Despite following the proper method for canceling my membership, XXXX XXXX, the company who handles the billing for the gym had continued to charge my credit card on file each month for {$19.00}. After I had the credit card changed for security purposes, I began receiving very suspicious calls from XXXX XXXX XXXX that claimed I still owed them a monthly bill for for a membership I had already canceled. 
Furthermore, XXXX XXXX informed that even through I had canceled my membership they were still going to charge me regardless of what actions I took on my end to inform them of the cancellation. What was most upsetting is, they let me know that I was never allowed to cancel my membership ever and if I ever attempted to challenge the debt or try to cancel my membership again they would send me to a collection agency. After this, they have repeatedly attempted to extort me for a bill which I do not owe them and have threatened me and my XXXX XXXX if I dont continue to give them money for a gym membership I have canceled already. 

XXXX XXXX has an extremely negative reputation with consumers and has literally thousands of complaints filed against them on consumer websites across the web. I have done some research into companies history and they have the lowest possible rating with the BBB and have extensive list of poor ratings and allegations of fraud on almost every consumer review site online. Based off my personal experience and the innumerable complaints against XXXX XXXX, I do not believe they are a legitimate organization and give them no credibility at all. 

In summary, I expect immediately XXXX XXXX to acknowledge my cancelled gym membership and drop all the fictional debts they have made against me. I refuse to pay any money to this group of frauds and my attorney has advised me not to engage in any contact with them. 
Thank You
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.
Product: Bank account or service

I 've had a number of problems with my Scottrade Bank account from funds taking way to long to transfer to not receiving a debit card or checks for weeks. I brought this up with my branch manager and he said those issues are dealt with via the XXXX XXXX. Well I called the XXXX XXXX and as expected was transferred several times, told to wait a few days for a response, and then nothing. 

At this point I asked Scottrade Bank to provide me with a copy of the Arbitration Agreement for my account. Scottrade Bank refused and continues to refuse to do this.
Product: Credit card or prepaid card

On XX/XX/2020 I booked a vacation to XXXX XXXX through XXXX XXXX XXXXXXXX, located in XXXXXX/XX/XXXX, for a total of {$1400.00}. The vacation was set to last from XX/XX/2020 to XX/XX/2020, at XXXX XXXX XXXX XX/XX/XXXX resort. On XX/XX/2020, after closely monitoring the COVID-19 Pandemic in both the United States and XXXX XXXX, we decided that we would be forced to cancel the vacation and immediately called the agency, XXXX XXXX XXXXXXXX. We explained the situation to them, and they said that it was no problem to cancel the vacation, but a {$50.00} cancellation fee would apply. We agreed and they mentioned that it would take 180 days ( 6 months ) to receive the money back in my account. After over 6 months of waiting, I called the agency up to check the status of the refund on XX/XX/2020. The representative, XXXX XXXX, was the same person who helped us book the vacation. She said that the department that handles the refund is closed because of COVID-19 and she advised me to start a dispute through my card company. After trying to make a dispute through my Capital One company, they said that it was outside of the 120 day period that they could do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax updated the XXXX XXXX account showing I have a balance of {$320.00} but that is incorrect. The last report from Equifax shows XX/XX/2022 on the credit report. The actual current balance is {$15.00} due to the interest and annual fees. Would you please assist?
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.
Product: Student loan

I have been calling for several days with never getting to speak with anyone about trying to get set up for the forgiveness program. I have tried to chat to no avail, tried to call but due to a high volume of calls get told to call back. I'm just trying to talk with someone and it is totally impossible.
Product: Debt collection

I wish to dispute the following auto account on my credit report Credit Acceptance. I do not recognize this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document.

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

I submitted a complaint for over 2 years and because CFBP interviene I got a letter that is not sitting the real issue. I was sold an item as new but was in not working condition. You all have requested pictures, letters, etc I have provided. I had communication with the furniture store that they refuse to do anything. I am asking my money back the item to be picked up as does not work and it was sold as new. I have send proof that item was sold to me and any other proof requested. You have enough evidence to determined I was lured and lied by the furniture store in regards of the item, it is my right that if bought by credit card that this item is disputed with a resolution. Your statement provided is not valid as this is not a warranty issue, I was sold as part of the sale a warranty that the furniture store has violated as well. Please be specific and also understand to dissect the information provided and put your customer best interest.
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the companies in regards to this matter. 
They claimed its been resolved. Ive contact the law enforcement agency and filed a report. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. FTC is a federal law enforcement agency. Id like to see this matter handled properly. 

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

I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.