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

I opened a XXXX XXXX Department Store credit card in XX/XX/XXXX. The card was used sparingly. Payments had always been paid on time. I believe I used the card to purchase a suit in XX/XX/XXXX.  That had been the only time i used that card in years and hadn't used it again since. However, in approximately XX/XX/XXXX I received a notice from XXXX 's saying that my account was in arrears to the tune of {$3500.00}. Completely flabbergasted I contacted them. They told me that my bills had been being sent to Virginia. They had been for quite some time. I asked if there were any authorized users of my card and they said no. I asked if the purchases were made in store or online and they said in store. I have never lived in Virginia. Ever. I've been a Connecticut homeowner since XX/XX/XXXX. You can check my mortgage statements for proof of that. I've never made a purchase at a XXXX 's in Virginia. I told them the purchases must've been fraudulent. They refused to do anything about it. Quite frankly XXXX 's was content to allow these fraudulent purchases to take place because the bill was being paid. However, as soon as the person stopped paying they blamed it on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian began reporting an account titled : Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2021. 

I have no knowledge of this account. I do not live in Massachusetts. I attempted to validate this debt including the name of original creditor and any documentation they have that was used to open this account. I have received no validation of this debt yet Experian continues to report this account thereby destroying what was previously a perfect credit score. I have sought legal action but in the interim can not apply for any other means of credit due to their deceitful acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$3000.00} XXXX XXXXXXXX {$630.00} XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too.

I have called XXXX and they initiated an inquiry with XXXX   XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX  XXXX  's " HARD '' hit on my account.

I called XXXX   XXXX  and XXXX  told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''.

I called XXXX ( XXXX  ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account.

I have not talked to EXPERIAN nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached EXPERIAN and XXXX  's sections of my credit reports showing the " HARD '' hit on my credit report.

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
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 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 1681 ( i ) - Procedure in case of disputed accuracy : States that if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation
Product: Credit reporting or other personal consumer reports

EQUIFAX removed XXXX support credit account from my credit report and reinserted the account to negatively affect my credit report. 
XXXX XXXX XXXX was removed from my credit report and when it was reinserted on my report the age of the negative account started over which is illegal. The child support account was disputed and removed and then placed back on my credit report with a new age. 
Child support can only be on your credit report for 7 years and we are going well beyond the 7 year mark. Child support has been opened XXXX yrs 2 months and has been reporting to my credit since XXXX of 2018 negatively impacting my credit report
Product: Checking or savings account

Soon after opening a checking account ONLINE the bank 's Fraud Department put a hold on the account and subsequently closed the account. I never did receive a clear explanation as to why the account was closed. I was under the impression that after closing the account a refund would be issued following an acceptable waiting period to ensure nothing else clears the account. The other day I get a statement from the bank showing where they deducted {$20.00} for a monthly maintenance fee from the account. When I called the bank to question the charge and request my refund I was told that I would have to go to a local branch in order to do that. ( Mind you I opened this account ONLINE. ) When I inquired where the nearest local branch was the person " helping '' me didn't know where Minnesota was and was pretty sure that there were none in MN but at the same time couldn't tell me where the nearest branch was located. If a company allows customers to open accounts online I don't see how they can have a policy whereby the customer is required to physically report to a branch to do business.
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. 

XXXX : XXXX, XXXX XXXX  : XXXX, XXXX  XXXX ; XXXX  XXXX 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was scammed by international scammers, when I realized I was been scam I called the bank Wells Fargo, I requested to stop the transactions that were still pending. The total amount of these transactions it was close to {$10000.00}, I was told that I have to wait for the transactions to go through before they can do anything about it. I asked if the transactions can be canceled I was told multiple times that even if they are reflecting pending that there was nothing they can do to stop them from processing. There were more transactions that already went through of the amount of {$40000.00} and they said that they will investigate and let me know if they are able to give me the money back. Because all the transactions were processed the bank did not give me any money back or a reason they just closed the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In XX/XX/2020, XXXX charged my Capital One Credit Card, for things I did not approve of. The total charges were around XXXX dollars. I disputed them with Capital One, but now Capital One is claiming I did not provide them with any information. I have sent them letters. I have sent them e-mails and I have spoken to representatives on the phone. Most of my correspondence was ignored so I submitted a complaint to XXXX. The Capital One reps I did speak with told me XXXX  claimed I told them the account was fraudulent, which is NOT what I told XXXX. I told XXXX  there were fraudulent charges on the account. Now Capital One is claiming I am responsible for the fraudulent XXXX   charges. I have been a loyal CO customer for years. This needs to be fixed, ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

Phishing attempt, from claiming to be Bank Of America. A text message was sent to my cell phone : From : XXXX Reads as : BankOfAmerica : You tried to add " XXXX XXXX '' as a mobile recipient on XXXX XXXX XXXX If this wasn't you, please cancel at the following link XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bank with Chase and use their app. I tried to transfer {$1000.00} to my son XXXX XXXX, on XX/XX/XXXX Sunday ( I think ) using XXXX app provided through Chase portal. By mistake I send the money to his work cell # XXXX XXXX XXXX, instead of the personal number XXXX I immediately realized this ( less than XXXX minutes ) and called Chase to stop it and revert the money After few weeks of investigation they orally told me ( never got a written response ) that the transaction went to someone and they can not return money. XXXX says that i need to speak to Chase and not to them My point is whoever got money does not have the XXXX XXXX XXXX phone ( its my sons work # ). In my view Chase or XXXX is responsible for ensuring numbers are linked to right accounts. In my view even though i transferred money to an unintended #, it was still my sons number not hooked to a bank #. 

A consumer can not verify whether the right number is linked to the right person, which should be bank/Zelle job XXXX 

Please help to get money back thanks XXXX XXXX
Product: Debt collection

There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

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

In accordance with the fair Credit Reporting Act. XXXX  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Consumer Loan

I have a interest rate of 400 % making my debt impossible to pay off and they took my car.
Product: Credit card or prepaid card

Opened American Express account in approximately XX/XX/2019. I have never used the card. On XX/XX/2019 received email stating " in XX/XX/19 ANNUAL MEMBERSHIP FEE Cover your annual membership {$250.00}. '' I immediately called American Express about this deceptive and hidden fee. I asked them to close the account and remove the fee. The fee was not due to be paid until XX/XX/2019.  They closed the account but the fee remains. I have never used this card. I have received no services from this account. The only charge on it is their outrageous {$250.00} annual fee. Once this charge was brought to my attention I immediately called and tried to resolve. 

Please have Amex remove this fee and discourage their deceptive business practices.
Product: Credit card or prepaid card

made my proper payments to XXXX XXXX XXXX for the month of XXXX and XXXX someone that works for XXXX XXXX XXXX XXXX was able to use my information and get my payment funneled into their hands by acting like a representative of the company trying to receive my monthly payments I realized in XXXX that the payments I made for XXXX and XXXX where not properly placed and not applied ruining my perfect credit history this needs to be fixed and show that was I never late on my payment
Product: Debt collection

am writing to dispute the inaccurate information listed on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this incorrect information be promptly deleted from my credit report.

Below are the details of the erroneous information : XXXX  Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX  XXXX  Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} It is evident that there are discrepancies in the reported information, including but not limited to the balance owed and the status of the account. Therefore, I request that you investigate this matter and promptly remove the inaccuracies from my credit report. 

Please be reminded that under the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action.

I kindly request that you provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt resolution.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Debt collection

A company by the supposed name of " Allegiant Capital Management '' has made several phone calls to my family members, job and friends claiming that they are " serving me papers for a debt ''. They have contacted me personally as well and have left several messages from different phone numbers stating " the purpose of this initial communication is to make you aware of an attempt to obtain your signature for required documentation in acknowledgement of protecting your consumer rights for your breech transaction. Failure to respond will result in direct violation under gross negligence. Please contact the compliance department at XXXX or press 1 to be connected. '' This number called from XXXX XXXX, WA and they also call from XXXX. They are very threatening, and they will not give any information on this supposed " debt '' and only want to receive information without giving any details.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, 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, which 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. 

Citizens Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), 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. '' Citizens Auto Finance the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and 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. '' Citizens Auto Finance never informed me 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 1681s2 ( 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 1681e 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, XXXX, and XXXX are not maintaining reasonable procedures. Also 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

XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/ 2013, and discharged.  They are reporting inaccurate information.