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

I need Experian to remove all the inquiries that are on my credit report. I have not made them and I do not recognize those inquiries that are on my credit and I want you to remove them please.
Product: Credit card

First I am complaining about a fraudulent transaction by XXXX on my Barclay MasterCard ending in # XXXX. I made a legitimate purchase on XX/XX/2016, but after much delay in receiving my purchased items. I contacted the company directly, and hey hold that per XXXX the package was delivered and signed for. However, while I can not dispute what XXXX claims to have occurred, I can attest, that it was not me that received and signed for the package and I have not received them to-date. 

After speaking with the vendor and getting nothing of production, I 'm forced to begin acting as my advocate in the return of my $ $ and must purchase elsewhere.. It is not my responsibility to find the package they sent, it is their responsibility per XXXX policy ... as the shipper. Me as the receiver, I can not compel anything in regards to the transaction between XXXX and XXXX ... 

Secondly, I am complaining about the transaction dispute process that prevents ease & simplicity vs requiring either fax or written complaint ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXXXXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
2. **16 CFR 313 ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Debt collection

I have got debt collection account for {$360.00} dated XX/XX/20 from I C Systems inc, the original company was XXXX XXXX on my credit report. I always pay my phone bills on time and also have contacted with XXXX XXXX and they told me that I do not owe anything. 
I never received anything about this by mail or any other way. I dont have any knowledge of any debt.
Product: Debt collection

I went to the hospital on XX/XX/18 to be seen. After a few weeks I received a bill from the hospital for around {$1000.00} dollars and I immediately paid it off in full. XX/XX/XXXX I got a letter from ProCo which is a collections agency saying I still owe {$2100.00} for unpaid bills to the hospital. I have never once received anything in the mail from the hospital after paying {$1000.00} so I assumed that everything was all done. There is no way that I could have known that there were more bills to be paid. It is completely unfair that my credit score will now be ruined because I never received any other bills from the hospital, they assumed I did not want to pay it, and it was sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date Opened : {$840.00} XXXX  XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00}
Product: Credit reporting or other personal consumer reports

I have a credit card account with Bank of America. I had signed up for autopay. In the XXXX statement, I was charged a late fee on my account. The fee was repeated in XXXX and in XXXX. 

After the first alert, I called the bank and set up autopay again via phone. This call was on a recorded line and occurred between in XXXX and XXXX ( I do not recall the specific date ). Although the representative confirmed that the autopay was set up, it would seem that the autopay still did not go through and I was again charged late fees and the bank ended up reporting my account as past due to XXXX. 

When I found out about the report, I contacted the bank in XXXX to ask why late fees had been charged on my account since I had signed up for autopay. 

The bank notified me that due to an error in their system, my autopay did not go through and hence payments were not being made. Because this was caused by an error in their system, the Bank refunded me the late fees for all three months. I then requested that the bank remove the past due report they reported to XXXX. 

After reviewing my request, the bank declined to remove the report claiming that the reporting was accurate. But by their own admission and the fact that they refunded me the late fees, the bank admits that my account became past due as a result of a glitch in the bank 's autopay system. As such, their reporting on my credit is inaccurate because it was not my fault that the account became past due.
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount XXXX but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX  knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong I have circled the XXXX XXXX XXXX XXXX Account # XXXX high balance missing, This listing is incomplete, please delete the entire item. 
I am writing to dispute the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
I am also disputing the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, I have circled the high balance missing in XXXX/XXXX XXXX XXXX Account # XXXX, This listing is incomplete, please delete the entire item.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of America states I opened a credit card, but I never did. And I never used it. I have only ever had a checking account with them when I lived in XXXX Florida.
Product: Money transfer, virtual currency, or money service

XX/XX/20 tried to link bank account to peymynt but was not accepted
Product: Checking or savings account

Between the months of XX/XX/2021, I experienced undue overdraft fees from US Bank , and mismanagement of my account since it's inception on XX/XX/2021. When I made the initial deposit of XXXX, I then XX/XX/XXXXthat money to a friend. Instead of US Bank posting as a credit than a debit, they posted it the transaction in reverse. On XX/XX/2021, I reached out to US Bank in regards to 2 overdraft fees that were caused by an inaccurate account of my money. I XX/XX/XXXXXXXX out of my account and back into the account. The ATM read the accurate amount, I then withdraw XXXX. Somehow there was a miscalculation, 2 other transactions posted the account while the XXXX being returned wasn't calculated on the back end. Those 2 transactions caused overdrafts and US Bank didn't want to refund them, they did refund. Currently, we have a situation where I gave access to my phone to my ex husband, while been in the hospital, and he made some unauthorized transactions. In addition, to bad deposits in to my account. As soon as I had knowledge of this, post op, I reached out to US Bank discovering that Risk Dept. Recommended my account closure and instructed me to reach out to any branch manager to reopen new accounts. I also reviewed my account for unauthorized transactions and filed claims on them. They sent me a card to withdraw the MONEY REQUESTING that only ANY branch Manager can remove the hold for me to do so. On XX/XX/XXXX th I called an spoke to the branch manager at the XXXX XXXX XXXX, XXXX, he educated me that I was misinformed and that the back office had control of this. At this point they are prohibiting me access to funds that are mine.
Product: Credit reporting

It stated I took out a credit card I did n't and a car loan I do n't have a driving license
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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: Checking or savings account

" Comenity XXXX '' online bank provides high yield saving account ( HYSA ) service. 

On XX/XX/XXXX, I opened a HYSA account, and transferred some fund from my XXXX XXXX checking account. 

On XX/XX/XXXX, I transferred another sum of money from my " XXXX XXXX '' online saving account into this HYSA account in Comenity. 

On XXXX, I purchased 6 I-bonds from TreasuryDirect.gov. 

On XX/XX/XXXX, 4 out of 6 above transactions were denied by Comenity. Then, my HYSA was locked by the Comenit XXXX online bank. Then, I called the BANK customer service many times about those issues : account locked, as well as transactions denied. The customer service agents did not solve any issues for me, just told me they could not do anything. 

On XX/XX/XXXX, a Product Support of the bank, named " XXXX '' sent me a message to my online banking account, as follows : " % % % % % % % % % % % % A review of your account revealed potential security concerns and/or irregular activity. The use of your account has been temporarily suspended pending the completion of our investigation. In order for us to consider removing the suspension from your account, please send us the following documentation within 14 days of the date of this letter. Please send us photocopies of three documents : 1. A government issued ID. You can choose Either your driver 's license ( front and back ) or your state-issued identification ( front and back ) or your passport ( photo page ) or your military identification ( front and back ) And ; 2. Your Social Security card ( front and back ) And ; 3. The most recent ( within 30 days ) bank statement showing ownership of the funding account. The following information must be visible : 1. Full name & address 2. At least the last 4 digits of the account number Please send this information to : Comenity XXXX XXXX XXXX  XXXX XXXX, MO XXXX % % % % % % % % % % % % % % " This message made me suspicious of this bank. Then I sought online reviews about Comenity BANK. Astonishingly, the reviews for Comenity Bank are very bad, as shown in ( XXXX XXXX XXXX  ). 

Many customers had bad experiences similar to me. The BANK just wants to hold money in the bank, not allowing customers to use or transfer money to somewhere else. I do not trust them to handle my identity information : copy of my driver license, and copy of my SSN card. My identities would be in danger should I give them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have a security freeze lifted from my account in order to enable me to purchase a home. I have called three times now ( each time being sent to various customer service agents after insisting that I needed an answer ) from XXXX. In each instance I am told they can not find my account and that the " system is updating '' and to call back later. In each instance I have called back I get that same message with no further information. My husband was able to access and unlock his freeze on the same day, and they communicated to me that is was a system-wide issue, which was clearly a lie. The customer service agents told me multiple times it is out of their control and that they don't see an answer for me ( basically that it is what it is, other than that they've sent Equifax IT a note and hopefully they can someday figure it out, but without any further guidance on when or how this will be fixed ). This is preventing me from proceeding with my life. I did not have issues with the other two reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems Attn : Consumer Relations XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX RE : Account Abuse ; UNPAID in the amount of {$330.00} reported by XXXX  XXXX XXXX on XX/XX/XXXX ( RTN : XXXX # : XXXX ) To Whom It May Concern : This letter is regarding reference number : Above reference ACCOUNT ABUSE/UNPAID ACCOUNT under my name, social security number and Georgia Drivers License Number. This is a formal letter that your claim is disputed. 
This account was PAID IN FULL on XX/XX/XXXX. I have accompanied a copy of that payment to XXXX  XXXX XXXX ; Therefore, I am requesting the immediate removal from your records. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations ( 15 USC 169e ) ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX or XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX DL : XXXX GA Page 2 of 2 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage reporting from XXXX XXXX  on Experian and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under Experain. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
Product: Checking or savings account

I currently and have had for the last ten years a Capital One 360 checking account which advertises a 0.50 % APY on all balances. The actual interest rate is 0.005 %. I have contacted the bank multiple times regarding this and have been given numerous excuses and invalid explanations. 
The bank advertises a much higher rate than is being paid in their T.V. ads, on their Billboards, direct mail flyers and website. This is very deceitful and misleading towards consumers and should be corrected immediately. All checking and savings accounts included a legally binding contract between the bank and the consumer which can be enforced in any court by any judge and this is a breach of any such contract. 
Consumers should be aware of this because they can invest their money in other places including other banks that will pay the promised rate. The bank should be more honest, forthcoming and transparent with its customers and consumers ( not just the criminals and their affiliates ) and this behavior should not be tolerated because it opens the door to criminal activity and bank fraud both internally from the bank and externally from its affiliates. 
This complaint is supplemental to numerous other complaints which I have filed against Capital One and other banks as a violation of the Sherman Act, Antitrust laws, and consumer privacy and protection laws.
Product: Checking or savings account

State Employee Credit Union in XXXX of this year allowed over {$1000.00} to be with drawn for XXXX charges I did not make. The bank did not return funds until after a complaint to CFPB was done ( over XXXX weeks and daily attempts to contact ). This has happened again!! Over {$400.00} since XX/XX/XXXX has been with drawn, and XXXX again lack concern or care. I was contacted, and charges were not flagged yet again! XXXX was opening a case, however this needs to be expedited and handled. This is the same merchant, same types of charges. XXXX {$100.00}, XXXX {$53.00}, XXXX {$21.00} How are they not flagged or a consumer contacted confirming unfamiliar repetitive activity! I am not waiting XXXX weeks for the lack of empathy and care, and the banks negligence at monitoring transactions.