23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My credit/debit card number ( I had possession of the card ) was compromised and used at a gas station some hour plus away from my home local. Then, there was at least XXXX attempt for use of my card the next day XXXX XXXX XXXX, 2015 ) XXXX, I am XXXX. The only reason the XXXX XXXX attempt failed is because I had called the bank regarding the " pending '' charge from the gas station that occured or had a date of XXXX XXXX, 2015 ( called immediately ). I received a letter on Sat, XXXX XXXX, that the activity was normal and no error had occured. Well unless Pennsylvania is a normal activity for me, which it is n't, the bank is just refusing to take care of a fraud issue. Granted the charge for gas was {$48.00} but had I not caught it, I could have had a major problem ... not to mention every penny counts in my household! My understanding is that I am not liable for these charges since I physically had possession of my card and the number was stolen. The bank, Regions, is being tacky and refusing to look into the " actual '' authorization activity on the account. The investigators did n't even use this information before sending me a letter of denial. I then called and spoke with a resolution specialist. I still have yet to hear anything but feel this case is being swept aside by Regions. I am being forced to jump through hoops and 2 hour long phone calls to no avail. I am the victim here! Why should it take so much for me to get a resolution?! Their actions, or lack there of, are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I applied for the Citi AA XXXX XXXX credit card, due to the XXXX Citi offered me. Citi approved the card on XX/XX/2021. I received the card and activated it without any problems. When I attempted to use the card today at a restaurant, Citi declined the charge. Whenever I contact Citi customer service, they're not able to fix the problem. I would like the card to work without declining any purchases in the future so I may spend at least {$3000.00} to earn the bonus Citi promised me for opening the account. I plan to make several large purchases ( over {$1000.00} each ). I would like the card to process these charges without declining them.
Product: Credit card or prepaid card

On XX/XX/23 my XXXX XXXX XXXX was charged for {$89.00} from a merchant we do not know and for a charge we did not incur. 

The charge was generated from the merchant using the XXXX XXXX on their XXXX. Since the charge is listed as contactless the XXXX XXXX fraud department refuses to investigate. 

We talked with a XXXX representative who said the charge looked suspicious and suspended the merchants account. However they said Capital One is responsible for contacting them to resolve the charge which Capital One refuses to do. 

We were able to obtain a receipt on this charge on the XXXX website. The company was listed as XXXX  whose address is on the third floor of an apartment building in XXXX XXXX XXXX. The receipt was in XXXX. No services were listed. It only stated a custom charge of XXXX. The receipt stated the charge occurred at XXXX XXXX on XX/XX/23. We were at our residence in XXXX XXXX at that time, no where near XXXX XXXXXXXX XXXX. 

We do not know where this merchant obtained our credit card information and are receiving no assistance from Capital One to investigate this fraud. Please assist us with getting Capital One to investigate. If this fraud is happening to us Im sure its happening to many others and it needs to be stopped. 

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

I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.
Product: Checking or savings account

Wells Fargo closed our bank accounts and did not explain why and we have done nothing wrong. We have always handled accounts in accordance with their policies and the law. 

That is bad enough but they closed our minor children 's bank accounts and claim the children are banned from the institution for life. 

That is arbitrary and discriminatory and punishing the innocent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great anxiety and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.
Product: Debt collection

I was scammed by a text message from XXXX which included my address, credit card number and date of birth. I checked my credit report to see if any false charges were filed. There were none but I saw an account that went to collections that I had no idea existed.

The collection company was Sunrise Credit Service for XXXX XXXX from XX/XX/year> for {$2500.00}. As I am undergoing a mortgage approval I settled the account for {$2100.00} with Sunrise. I had not known this account from XXXX XXXX existed.
Product: Debt collection

The entity known to you as XXXX XXXX XXXX, franchised under the laws of New Jersey, is managed by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. To prevent fraud, counterfeiting or identity theft, we request the following from Absolute Resolutions Investments : Control Number Issued by SSA : Please provide the control number issued to your entity, XXXX XXXX XXXX, by the Social Security Administration. As the true manager of the entity, this number should be located on the reverse side of the Social Security card provided to you and/or your organization. 

Power of Attorney : We require a signed power of Attorney from you or your organization to act on behalf of the entity known as XXXX XXXX XXXX. 

To ensure the legitimacy of your contact, we will be requesting identifying information from any caller claiming to be associated with your company. Please ensure that your representatives are prepared to provide this information. 

Failure to comply with these requests will result in a complaint being filed against you, in your personal capacity as an independent contractor for Absolute Resolutions Investments, with the appropriate financial crimes authorities.
Product: Credit reporting

I have no knowledge of said debt, other than XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please get rid of Experian. I put a temporary freeze on my credit almost 2 years ago. I have not been able to get it removed. I lost purchase of car last XXXX because no one- not me, not bank, not dealership could reach a live person to help. I have written to them several times asking the. To remove freeze. I finally received a written response from them saying they extended for another per my request. I am extremely frustrated with the lake if accuracy in credit report ; which I am also filing complaints, lack of ability to reach a living person, and inability to get this removed. The number I was given to call to remove it only offers to start an alert. I have complained through this site serveral times with no resolution
Product: Credit reporting or other personal consumer reports

I reached out to the three credit reporting agencies via mail with copies of my written letter at the end of XX/XX/XXXX. I received no response from any of them in regards to opting out. 
According to the Family Educational Rights and Privacy Act of 1974 it protects me from my school records becoming public. 20 usc ( 1232g ( b ). In my particular case all three credit reporting agencies and the loan company ( XXXX  ) are in direct violation of the act. 
TransUnion, XXXX, XXXX, and XXXX are in direct violation of 15 usc 1681b permissible purposes of consumer reports. Not one of these companies asked for my consent before furnishing these reports.

Also, in violation of 12CFR 1022.3 for identity theft. This was directly added to my report again without my consent. This is reported every month and it has been going on since XXXX of XXXX, which means it has been 135 months.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open and remove the repossession or charge off account on my credit file. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. I have identified the account on my credit file that continue to be inaccurately reported as late opening. I have previously disputed this inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. Despite my efforts, I have not received any meaningful response or resolution. The late open account remain unchanged on my credit file, negatively affecting my credit score and my ability to secure new credit. I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct or removed them in my credit file. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections or removal made in my credit file. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. With this, I am asking for your assistance to correct or remove the accounts : 1XXXX XXXX  XXXX XXXX Balance Owed : {$410.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX. XXXX XXXX Balance Owed : {$14000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : Experian XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at Experian, XXXX, and XXXX Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

Account info Account name BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
Product: Credit card or prepaid card

I filed a complaint with cfpb for paypal credit operated by synchrony bank charging me {$7500.00} after I paid my balance of {$7500.00} with a consolidation loan. They credited me the {$7500.00} and I closed the complaint. However I received a letter on XXXX telling me that they are charging my account {$7500.00} for lack of proof of payment. I submitted the picture of the front and back of the cashed check for {$7500.00} from my bank XXXX XXXX XXXX XXXX as proof of payment. Please help me this is the 2nd time they have denied my dispute and they continue to charge me for money i paid off.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 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 XXXX XXXX XXXX XXXX XXXX XXXX