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

I am a victim of identity theft. XXXX and XXXX XXXX have fraudulent accounts on my credit profile that need to be moved immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) 5-1002.142 ( b ) ( 7 ) .I am a victim of XXXX XXXX of Debt Bondage and is requesting for all listed accounts to be blocked and deleted from my credit file within four business days, pursuant to Section 605B and 605C of the FCRA laws. The fraudulent information is reporting on my credit file which is held by the 3 major Consumer Reporting Agencies, TransUnion, XXXX, and XXXX. According to Section 605B, and 609 of the FCRA laws, the information must be blocked, removed, and deleted if it is inaccurate due to fraud and identity theft within four business days, and for consumer reporting agencies to clearly and accurately disclose all information in a credit file and verify accuracy of the disputed information. The fraudulent and inaccurate accounts that are requested to be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The reports also include inaccurate addresses and employers and need to be removed immediately.
Product: Checking or savings account

I booked a trip through a solo traveling group, XXXX for XXXX of 2020. I paid {$3100.00} to XXXX through my PNC bank. The company cancelled the trip due to COVID and offered no refund but only credit for future travel. I reached out several times with no response but when I finally reached a refund department, I was told they filed bankruptcy and were unable to provide a refund but did provide me with steps to contact my bank ( PNC ) to dispute the payment because according to the Fair Credit Billing Act, I have the right to claim a refund when the service was not received due to company bankruptcy. 

I gathered my emails, credit notes, booking receipts, and email from XXXX who is representing XXXX who now is under new ownership and still running solo trips... weird. 

I filed a claim to PNC bank and was denied. They are not willing to work with me, refund the money, and redirect me to anyone who can help me. 

I am willing to share any additional information you may need and am appreciative for any guidance, suggestions, or at least to document this for others to see so that no one else has to go through this same situation with XXXX or PNC bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAME ACROSS SOME RECENT INQUIRES THAT WERE NOT AUTHORIZED BY ME AND NEED REMOVED FROM MY CREDIT REPORT
Product: Consumer Loan

At the end of XXXX, 2016 I purchased a XXXX and signed up for the promotional financing of 12 months same as cash through Fortiva XXXX XXXX. I was looking at my statement today and it stated " Deferred Interest Charge Calculation '' and showed a timeframe of 6 months. I called customer service and they indicated I had signed up for the 6 months same as cash. I told them that the promotion XXXX was running at that time and still today was 12 months same as cash. The customer service rep stated she was sorry but that was not what I signed up for. She indicated someone would contact me within 10 days. 
I looked on the website again today XXXX XXXX and all over it states 12 months same as cash in nice big letters. The only thing I found referencing 6 months was in small print at the bottom ( copied below ). If the offer is either 6 months or 12 months same as cash, it should be stated somewhere besides the small print at the bottom of the page and really, this does n't say the offer is for 6 months, it just states " within XXXX or 12 months as applicable. '' I would assume 6 months is not applicable for this offer since nowhere else does it state 6 months same as cash. 

*subject to credit approval. Deferred interest means that if you fail to pay your purchase in full within the promotional period, then the interest accrued on such purchases From the date of purchase through the end of the promotional period will be added to your account. To avoid paying the deferred interest charges, you must ( a ) pay the Promotional purchase in full within XXXX or 12 months, as applicable and ( b ) make all required minimum monthly payments on time. Making only required minimum monthly payments will not Pay off your promotional purchase before the end of the XXXX or 12 months, as applicable promotional period. See credit agreement for full terms and conditions. Fortiva XXXX Credit lines of credit are issued by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, Member FDIC. 

If you do not pay off your purchase within the allotted timeframe, you must pay back the entire purchase plus interest from the beginning. I understood this but felt 12 months was a reasonable timeframe and calculated that if I made a {$250.00} payment each month I would have it paid out. {$500.00} a month however, it is not reasonable for me and had I understood this was only for 6 months I would have utilize a card I already had with a lower interest rate, as this XXXX is 26.9 % if applied to the balance. It seems to me this is a bait and switch tactic ; advertise for 12 months and then only provide for 6 months. If the consumer does not notice, they will have to pay the interest on the entire balance and will probably give up fighting so as not to mess up their credit report. Again, NO WHERE does the XXXX site indicate the possibility of XXXX promotions ( 6 months or 12 months ).
Product: Debt collection

Pursuant to Ally v, Alberta Haskins ended in a settlement due to same conduct of unfair debt collections practices pursuant to 1016.3 ( b ) ( 1 ) ( 2 ) ( i ) ( A ) ( B ) ( C ) ( D ) ( E ) ( F ) Ally Financial DBA Ally Bank Never used a clear and conspicuous notice Refused to send documentary evidence and validation and still repo a vehicle that was never in there possession i sent them, a UCC 11 Lien search and they never produce a valid lien Pursuant to 15 USC 44 and 31 USC 3733 ( l ) ( 5 ) XXXX XXXX XXXX XXXX is the only party on contract as Seller and Creditor They went Bankrupt and ally is trying to enforce a contract that doesn't exist Allegation ( s ) : Ally Financials repossession notices handed out to their banking clients did not meet the laws standards. Pursuant UCC 9 the promissory note was legal tender an acceptable form a payment through my signature that the original creditor was paid i never received an acknowledgement if a UCC was files im requesting the ally financial to provide the note and documentary evidence AFFIDAVIT OF XXXX XXXX ENCLOSED
Product: Debt collection

My identity was stolen and I have no idea were this debt collection came from
Product: Credit reporting or other personal consumer reports

These are several Accounts that I see being fraudulently reported unto my XXXX credit report, XXXX and Transunion credit bureaus. I have no knowledge of these accounts, and they are fraudulent. this is identity theft. they all need to be removed. including all these inquiries as well. I'm a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REPORTING IDENTITY THEFT DUE TO FRAUDULENT USE OF MY NAME, DATE OF BIRTH AND SOCIAL SECURITY NUMBER. SUSPICION WAS RISEN DUE TO COLLECTION LETTERS RECEIVED
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Debt collection

ERC FOR {$79.00} &??? WHY??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was logged into XXXX and after that I logged into Transunion. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX  and Transunion stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the XXXX XXXX XXXX and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information reporting on my credit report attached to FTC report are not my accounts
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, want to make it clear that this message is being sent independently and does not represent any third party. Recently, I reviewed my credit report and was distressed to find numerous unverifiable, invalidated, inaccurate, and questionable entries. Your agency, responsible for ensuring the accuracy of consumer reports, has failed in its obligation to ensure the reported information is entirely accurate.
Product: Checking or savings account

XXXX removed funds from our business account without permission. We did not authorize the removal of the funds from our account & they have yet to return the money to the account ; even though we have been speaking with them about it for over 6 months. The attached document shows that this was processed through XXXX and that there is no authorization from the account owner, as there is no signature. * The removal of funds was the same amount as a previous deposit. The original deposit was not disputed by the customer and I have emails authorizing us to receive the funds that the customer sent. We have spoken to the customer and they have indicated that there was never a fraudulent claim made, nor was there a request for funds to be returned. The bank never filed a fraudulent claim or any such thing to state why they would have removed the money without our consent. This is a serious security issue if people can simply remove money from your account without consent ; simply because they have deposited into that account previously.
Product: Debt collection

XXXX 's appears to be a home furnishing store, which is based online. I have never purchased anything from this company. I have not received any products or services from XXXX 's. I have not applied for any credit with XXXX 's, either. Upon receiving a bill from them for a little under {$500.00}, I called XXXX 's at the end of XXXX. I was told a tablet was ordered for delivery to a state which I have never visited. They said they would send me a form to submit a fraud claim. I have yet to receive it. Oddly, XXXX 's also said the order had been cancelled by their Fulfillment department and the tablet was never shipped. When asked why the charge could not just be removed since no products were provided, I was told again that I would have to submit a fraud claim and a form would be coming to me to complete. It has been a month and I haven't gotten said fraud claim forms, but I have received another bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have used moneygram before. I was trying to send money online and the agent told me in a chat session that my account was frozen and I would have to go to a store to do the transfer. I ask why it was frozen and she said they would not tell me. In addition, she said once it was frozen I could neve send money online again. I think I deserve to know why they are penalizing me since I have a perfect credit score.  This just does not see like it should be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

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 records of convictions of crimes which antedates the report by more than seven years
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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Was denied credit increase and the denial letter did not state the reason to me that was correct. The denial used vague terms such as " substantially '' and was not true. Letter of denial stated that " Your average monthly payment has been too low. '' My minimum payment required has been from {$17.00} to {$140.00} and I have made consistently much higher than minimum payments in the amounts of {$150.00}, {$300.00} and {$450.00}. I have an excellent credit score and never missed a payment and on time. My complaint is that I do not believe the decision to deny me a {$2000.00} increase on my {$8000.00} credit limit was correct or fair. I was not given an adequate explanation by the Capital One Manager I spoke with - XXXX Employee ID : XXXX at XXXX ET on XX/XX/2017. Please help me understand why I was denied credit.
Product: Debt collection

Hi CCS/ XXXX/cfpb and all the credit bureaus ; I'm not sure why is this XXXX for {$500.00} is still reporting on my credit because i was told that it was supposed to be removed and permanently deleted from my credit. why is it still here. Delete it from my credit and see the proof attached. i been working on this with everyone ( e.g. XXXX, ccs, credit bureaus ) for the last 3-6 months. 

HERE IS A CONFIRMATION : Your payment has been received by this office. Thank you. 

Please print this page and keep it for your records. The following is your confirmation number : APPROVAL CODE : XXXX STATUS : Approved FILE NUMBER : XXXX AMOUNT : {$500.00}
Product: Credit card or prepaid card

Early in XXXX I paid a vendor who submitted the payment as a cash advance. The amount was around {$31.00}. In XX/XX/XXXX I made 2 payments totaling {$1200.00} to Capital One which should have paid that small advance and stopped any cash advance interest. As of today I am still being charged for that cash advance in the highest rate of interest on the account. I called and spoke to two separate individuals requesting that they stop changing me that interest and they both said NO. The amount is small only about {$4.00} total but the fact that they have not abided by the CARD Act and used that very large payment to pay off that cash advance is not right. It is my understanding that any amount paid over the minimum payment due should be applied to the highest APR items on the account. Capital One should give me back the interest I paid since XXXX on the cash advance and apologize for not abiding by the requirements of the CARD Act.
Product: Credit card

My claim # XXXX. My issue with Capital One Bank was not resolved an I would like to take Legal action now. Can you help me again???? please email me when you get a chance. Note-I have all my paperwork and people I spoke with written down ....