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

Validate Account In Dispute In Dispute Credit bureau ( s ) * XXXX XXXX TransUnion XXXX Instruction Please supply information on how you have verified this item. 
Creditor/Furnisher Choose Mode Same for all bureaus Different for each bureau Type Account Account Name XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number XXXX XXXX Account Type Collection Collection Account Status Derogatory Derogatory Monthly Payment - - - Date Opened XX/XX/2022 XX/XX/2022 Balance {$260.00} {$260.00} Terms - - High Balance {$260.00} {$260.00} Limit - - Past Due - - Payment Status Collection/Chargeoff Collection/Chargeoff Comments- Placed for collection Start Date Last Activity Note
Product: Credit card or prepaid card

I have ( 2 ) Comerica Bank Visa pre-loaded {$25.00} debit cards that have been charged {$2.00} fees per month until they were empty. The terms and conditions with the card are extremely confusing. They say that the fees will begin the 13 month after issuance of the card, but no date of issuance was provided with the card. The card expired XX/XX/17. Typically the fees begin after the expiration date. I do not understand how these fees are legal, but to start taking fees after 13 months from an unpublished date seems extremely wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted Equifax in regards of unauthorized inquiries. Equifax failed to show me verifiable proof of every unauthorized account that was listed ( see documents attached with this complaint ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

someone is misusing my personal information please kindly help me to get out of this issue
Product: Credit card or prepaid card

On Saturday    XXXX   XXXX   XXXX   a  purchase of {$56.00} was authorized for hotel services using a prepaid government benefit card white labeled  by US Bank.  The card account was pre-authorized for an amount above ( 20 % of the transa ction )  the transaction amount, or approximately {$65.00}. I called the customer service line on the back of the card and spoke with the floor supervisor on or about, Sunda y   XXXX   XXXX   XXXX   at   XXXX   XXXX  .   <P/> When speaking to the supervisor she gave conflicting statements. She stated that an authorization hold was placed on funds in the amount of 20 % of the transaction amount, in addition to the transaction amount, as  1 ) a hold to cover incidentals placed by the merchant ; and as 2 ) a hold placed by the prepaid card issuer as a term and condition of use of the card. When asked to return the funds to the card account, the floor supervisor refused.   <P/> The transaction constitutes both theft by conversion and fraud on the part of either the card issuer or the merchant.   First, the transaction amount of {$56.00} is the only amount represented or authorized at the time of transaction. Any amount debited to the card account that does not accurately reflect that amount squarely positions the transaction amount of {$56.00} as fraudulent because the amount of the transaction is therefore a misrepresentation of material fact. The merchant secured funds or exercised unauthorized control over funds that it never represented to the purchaser or bargained for authorit y to do so. Fraud and theft by c onversion.   In the alternative, in the event that the card issuer placed the 20 % hold on the card account funds and the card issuer did so as a matter of the terms and conditions of the card, then the card issuer has converted funds under unenforceability provisions of the cardholder terms and conditions. First, the cardholder has no bargaining position to speak of when using the government issued benefit card. Therefore, the card issuer bargains from a position of gross superiority. As a consequence, the cardholder, according to the terms and conditions of the cardholder agreement, implicitly bargained for a 20 % hold on certain transactions for a term of up to 20 days. Such an argument is absurd. Cardholders of government benefit debit cards are not financially secure individuals. They do not hold a position of power and are best categorized as a suspect class for the precise reason that, generally speaking, they are in a position of powerlessness. Needless to say, it is of no benefit to these cardholders to bargain for the " holding of funds '' under any circumstances. In fact, these holds serve to benefit the card issuer 's profits, and they do so at the cardholders expense. Therefore, the card issuer exercised unauthorized control over funds at the cardholders expense under the pretense of unenforceable provisions of the cardholder terms and conditions. They by conversion.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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

This company keeps calling me for a credit card debt and I have never had this consumer credit card in my life. They said they are filing against me at the courthouse, they told me to stop being a deadbeat and running away from my responsibilities and just pay the debt. They refuse to give me the dates of any transactions. I am XXXX XXXX XXXX and this is making me very upset. They call everyday non stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for a credit from XXXX XXXX on XXXX XXXX and XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely XXXX XXXX
Product: Debt collection

I had paid a medical debt, I ask the representative named XXXX if he could send me a statement saying that my debt was paid in full, he 's response was '' yes I will do that, you just have to wait 30 days ". It 's been now more that XXXX moths, I called them several times, and the only thing that he says is that he will send it out. I asked if it was easier he could fax it to me, and he said " yes that will be fine " I gave him the fax #, and until this day nothing has happen.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights.
Product: Debt collection

Repeated back to back calls within minutes of each other. Sometimes when they call they hang up before I can answer ( my phone rings maybe once ) and they call right back and do it again seconds later. When I called back they didnt identify themselves as Phoenix Financial Services. No profanity but the worker I spoke with was incredibly rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$4200.00} the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers license and SSN for identification purposes. ) This account is well over ( 7 ) years old and should not be reporting at all on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by AWA COLLECTIONS by mail on XX/XX/XXXX, about a collection account for Cord Blood Registry. The letter was addressed to XXXX XXXX XXXX XXXX. That is not me. 
AWA COLLECTIONS violated my consumer rights. I responded via certified letter listing the US Codes that where violated, as well as an invoice for the multiple violations.

Pursuant to 15 US Code 1692b ( 2 ) this code was violated due to the fact that I live in Tennessee and they are contacting me from Concord CA. AWA COLLECTIONS has provided no proof that they have any rights to collect on any debt in the state of TN. Pursuant to 15 US Code 1692g ( a ) the debt was not validated. Pursuant to 15 US Code 1692c ( a ) I did not give prior consent or AWA COLLECTIONS does not have express consent permission of a court of competent jurisdiction to have any communication with me. Pursuant to 15 US Code 1692d ( 2 ) AWA COLLECTIONS used obscene language in the letter sent to my home. 
AWA COLLECTIONS responded to my letter on XX/XX/XXXX with account statements from XXXX XXXX XXXX for account number XXXX from XX/XX/XXXX. They never responded to the invoice that was sent along with the letter. 
I have NEVER had any business and I have don't contracts with this company. 
I'm curious to know how they obtained my name and my current home address. 
This is identity theft. I have never given them permission to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND INACCURACIES ALL OVER MY REPORT DELETE IMMEDIATELY.INACCURACIES LISTED BELOW. 


XXXX XXXX XXXX XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX  XXXX XXXX $ STATUS CLOSED, XXXX # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED IS ( INACCURATE XXXX XXXX AND XXXX ( XX/XX/XXXX ),
Product: Credit reporting or other personal consumer reports

XXXX charged me monthly to monitor my credit report with all three bureaus XXXX Equifax and XXXX. They reported mis information on all yet my credit score did not increase with any of the bureaus. Yet they changed monthly for mis information.
Product: Credit card or prepaid card

I recently changed my phone number, even though I knew my password. However, I was unable to login because I couldn't verify it on my phone. I called TD Bank multiple times to change my phone number, but they were unhelpful each time and unable to do so without sending a message to my phone number, which I didn't have access to anymore. Therefore, I was locked out of my account and unable to check my balance/pay my bill. 

Furthermore, TD bank has not been communicative with me about my bills. Not only after I checked my credit report did I notice I have an overdue balance. I intend to pay my bill each time, but TD BankXXXX verification system inherently makes it difficult/impossible for me to do so. In addition, when calling, I was unable to pay my bill via the phone either because they can not verify my account with my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX/XXXX XXXX XXXX XXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS 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: Money transfer, virtual currency, or money service

I went to deposit my work pay check which is verifiable and signed off by both my company and me. They took the check and deposited it into my savings until I contact customer service to see the status of it and they let me know that I have to wait a week, or XXXX business days for me to be able to access my money. Keep in mind this is my work pay check and I use my checks to pay bills. This all derived from XXXX XXXX telling me to setup direct deposit and turns out they gave me the wrong instructions which caused issues in the system. I want to be able to access a portion if not all of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, XXXX  XXXX  XXXX XXXX. The rest need to be taken off and they all keep giving me the run around.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX  LLC continue to tell me they have no information about my solar system, but my contract with XXXX XXXX is base on misleading, representation, fraud, dishonesty, untrue and false statement on it, not a contract that hold true, why would i agree to this is it legal in the a court of law, those document was send out to other organization believe it true XXXX LLC have turn the back to the true to matter, this contract should be terminate
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports