23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, my credit card information was used to purchase multiple flight tickets from many airlines without my permissions and the bank did not notify me of a possible fraud. I called Capital One and disputed the charges which added up to almost {$5000.00}. The bank identified that there was a fraud on the account and unusual activities. For some reason, the bank still holds me liable for a portion of those fraudulent transitions ( nearly a {$1000.00} ) and now asking me to make minimum payments with almost 27 % interest rate without a care about a breach in their security system that led to those fraudulent transactions to rack up no my account. I am looking for an immediate resolution and do not want to be held liable for something that I did not purchase. This account is paid off and there should be {$0.00} balance on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifiax in XX/XX/XXXX to Dispute Unauthorized Credit inquires listed on my account that i had noticed after viewing my credit report. I was told to contact the companies that reported the inquires, and did just that and had gotten no where. 

Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I owned a business together. We had an XXXX XXXX XXXX XXXX XXXX card. Our company was struggling due to divorce and a difficult economy. We fell behind on payments. As we were trying to recover and restructure, rather than go bankrupt, I contacted companies that my business was indebted to and negotiated payoffs. When I contacted American Express and negotiated a payoff for the company, they accepted the payoff and we paid it immediately. We had this card for more than 17 years ; we closed the account in XX/XX/2015 but we kept paying on the card. Never before had this company reported on my PERSONAL CREDIT REPORT. So all of sudden, the account was paid off and XXXX XXXX XXXX XXXX XXXX shows up on my PERSONAL CREDIT REPORT a month ago showing the last 6 months. Never did they tell me that they were going to report this activity to on my PERSONAL CREDIT REPORT. They just took the liberty of doing so. I wouldn't have an issue if they reported this activity on our company 's credit report given it was a company account but not on my personal! I have worked hard to maintain my personal credit report in excellent standing. I consider what American Express has done to be unethical and inappropriate ; and I want this reporting removed off my personal.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with both XXXX and TransUnion regarding 2 late payments on an account with XXXX XXXX. XXXX XXXX is reporting late payments in XX/XX/XXXX & XX/XX/XXXX. As you can see from my credit report I have had all on time payments. I am disputing these late payments as I have bank statements showing proof that I made my payments on time. I have contacted XXXX XXXX and attempted to speak to someone who was rude. I have also sent a letter to XXXX XXXX with copies of my bank statement showing that I made my payments on time. However, I received a letter back from XXXX XXXX stating that they verified it as correctly. I then disputed with XXXX and TransUnion to once again have my request ignored, it came back verified. How can XXXX XXXX say I was late when I clearly made my payments on time? This is severely crippling my credit when this is not my fault. 
I have provided proof that the payments were made on time. Where is their proof that the payments were not made on time. It's not the responsibility of the consumer to prove the inaccuracy being reported, its the creditors responsibility to prove that it is inaccurate. I want XXXX XXXX to send bank transactions of my posted payments reflecting when my payment was made.
Product: Credit reporting or other personal consumer reports

I am victim of human XXXX  and I would like someone to please help me with restorative justice for my life.
Product: Credit card

An unauthorized charge of {$2600.00} was executed on my credit card, and after several months of attempting to resolve the dispute with the credit card company, they refuse to reverse it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681.

The accounts below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 usc 1681 SECTION 602 A states I have a right to privacy 15 USC 1681 SECTION 604 A SECTION 4 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681s-2A ( 1 ) A person can not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 168c ( a ) ( 5 ) section states : No consumer agency may make any consumer report containing any of the following items of information, any other adverse information other than criminal records and convictions of crimes which antedates the report for more than 7 years.
Product: Debt collection

A decision was rendered by the XXXX XXXX XXXX XXXX wherein the proposed decision was a finding had been made that the bill for services submitted by XXXX was done so too late and as a result both myself individually and the insurance carrier was found NOT to be financially responsible. A thirty-day period was provided in which to object to the decision and no objection was filed by XXXX. As a result the decision was filed in XX/XX/XXXX. 

This bill for XXXX has been continuously reported every month to the credit bureaus by XXXX through their collection agent XXXX XXXX XXXX XXXX as an open collection account. In fact, during the specific time frame in which the proposed decision and the final decision was filed, the collection agent XXXX XXXX XXXX   XXXX each time updated their reporting again reporting the collection was accurate. 

Despite several calls to the company, sending them copies of the decision, they have refused to cease reporting it as a collection. In fact, during my most recent conversation with XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was informed by " XXXX '' after he spoke with his supervisor that even with knowledge of the decision, that neither myself or XXXX XXXX was responsible, he advised they intended to continue to pursue repayment from XXXX and while doing so they would continue to report it as a collection account in my name, but would mark it as an " insurance hold '' internally. 

XXXX XXXX XXXX  XXXX are knowingly and willfully reporting false and inaccurate information to the credit bureaus which is having a negative impact on my ability to both obtain credit and to obtain competitive interest rates, all while knowing a decision was rendered finding me not financially responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020
Product: Vehicle loan or lease

I was referred to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX by my mother. She previously purchased 2 cars from them and was satisfied. She referred me to a sales person XXXX XXXX. I explained my situation and provided her with my personal information XX/XX/2019. I was upside down by XXXX and trusted them to provide me with the best solution. On XX/XX/2019, I go into the dealership, they have a car ready for me, a XXXX XXXX, they sale me on the fact that the car comes with a tax credit. I wasn't going to go with the deal because the payment was more than I anticipated which was {$770.00} per month. XXXX then takes me in the office with her Finance Manager XXXX, XXXX says that he tried to get Honda 's in house finance department to lower my rate to 2 % but couldn't, however, if I make my payments on time for 1 year. I should call Honda and get a modification to lower my interest rate to 2 %. I move forward we the deal with the understanding that I can call and lower my rate in one year. One year later, I reach out to the financial manager XXXX to inquiry about to program to lower my rate to 2 % and I haven't received a response. Then reach out to Honda financial and they inform me that this program doesn't exist. Not only does it not exist, but they can't even refinance me. They are not a bank and don't refinance. Due to the negative equity that I rolled in and the negative equity that come with this particular model. There is no way for me to refinance without paying it all upfront. I was totally mislead and was put in a worse situation than I started in.
Product: Credit card or prepaid card

There are two issues here : Issue one : Citibank refused to refund me in full the {$640.00} in membership fees for an old card that I converted to a new, no-fee card in spite of the fact that i had a record of my chat with two other Citibank service reps who promised to refund my fees. They only refunded {$490.00} for the principal card but the third service rep said it was their policy not to refund the fees for the supplementary cards that is worth {$150.00}. 

It was only after I told them that i would report them to the XXXX XXXX XXXX that the balance {$150.00} were refunded. 

Issue 2 : My reward points worth ( thankyou  points ) equal to about XXXX points that Citibank promised will be available until XX/XX/2020 were not transferred to my new card as they promised. Thus I was not able to use them! Although those reward points appeared in my XXXX account ( one of the features of these reward points is that i can use them on this online shopping site ), XXXX told me i couldnt use them and told me to contact Citibank! In spite of several efforts to reach the rewards center, I was always being directed to the wrong department and then eventually my account was blocked! Plus they said that my new credit cards were misplaced by the postal service! 

Full chronology of the events and supporting documents are attached.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$710.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit via XXXX. I noticed there were one hard pull each this week on equifax and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have been in constant communication with the credit reporting agency Experian, in regards to a fraudulent account that was suppose to be removed, after me promptly submitting all supporting documentation at or around XXXX or XXXX of XXXX. The fraudulent account that is currently in dispute is XXXX XXXX. It is negatively impacting my credit worthiness and defaming my character. On XX/XX/XXXX, I spoke with fraud specialist XXXX within Experian 's Special Services, in regards to this particular matter. XXXX exclaims that she is unable to block the fraudulent account in question, simply due to it being blocked once before and it being removed, to be added back onto my credit report. Furthermore, XXXX explained that the block was removed and the item was reinserted back into my credit report in XXXX of XXXX. Per the FCRA, I am suppose to be notified no more than 5 business days after the item has been reinvestigated and added back onto my credit report ( FRCA 611 ). I explained to XXXX that I have not received any correspondence via email or USPS mail, advising me of such changes taking place. Unfortunately, I do not have any correspondences, stating that XXXX XXXX has been deleted or reinserted back into my credit report. XXXX, too, reinvestigated such findings and was able to determine while on the phone with me today, that she too does not see, where I was notified via email or by mail that the fraudulent account with XXXX XXXX has been removed or added back to my credit report in XX/XX/XXXX. 


The other credit reporting agencies XXXX  and XXXX, have effectively communicated with me their findings and determinations of the same account in question. They, too, have promptly resolve the concern and XXXX XXXX is no longer reporting for XXXX and XXXX 

Due to Experian 's negligence and improper adherence of the Fair Credit Reporting Act ( FCRA ) of not properly notifying me of XXXX XXXX 's removal or reinvestigation to re-adding the account back into my credit file, I am asking for the Consumer Financial Protection Bureaus to enforce the law regulated by the Federal Trade Commission and to permanently block/remove this account from my Experian credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander bank has settled charges of Predatory Auto-Lending to low-income and subprime borrowers. As a victim of Santander, they violated my consumer protection laws by placing me ( the borrower ) with subprime credit into an auto loan it knew carried a high probability of default. 

Due to this Santander must remove the defaulted account off my credit report. After numerous letters I have still not received a response to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccuracies multiple times. Account where fixed and removed by XXXX and XXXX but Equifax refuses to address the disputed issues and keeps verifying them as accurate without looking into them or sending me any information on the actual dispute of the items.
Product: Credit reporting or other personal consumer reports

This is a formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a bankruptcy lawyer to put an identity fraud alert on my credit, while I was obtaining my credit reports and to ensure no new debt arose between the time I filed and the time the bankruptcy was discharged, I placed this with equifax at the end of beginning of XXXX under the understanding it would drop off a year from the time I placed it on the there, fast forward to XX/XX/XXXX and will checking my credit on XXXX and disputing inaccurate information was able to see that the fraud alert had not been dropped and instead had been changed to a 7 year alert, which if I read the fair reporting act correctly should only be able to be done with proof of fraud and police reports, I log into equifax to see that it calls it a promotional alert, weird I thought so I called equifax to see what steps I needed to take too get this removed off my report ( has basically made my ability to recover from my bankruptcy impossible, because it is well known that a fraud alert on credit report tells potential lenders DO NOT ISSUE CREDIT, ) thats beside the point after being sent to a call center in XXXX I was basically extorted out of XXXX and made to sign up for an equifax credit monitoring account to receive any information on how to get this alert removed, my main complaint is how can a company that basically is in charge of my ability to improve my life, ability to provide better things, have better shot to increase wealth have the opportunity to purchase a home going to one ) highjack my credit by extending temporary alerts unilaterally, Two ) extort me out of money to tell me how to get this alert off of my credit Three ) tell me after checking my score for me that its bad and I need to do something about it Good sirs I know that this treatment of an American citizen with XXXX children that works his XXXX off everyday might not be heard, but I truly believe our president would be appalled at how our citizens actual livelihood is dependent on a call center in XXXX its a shame and equifax should be ashamed, they profit off the poor and downtrodden under rouse of tips and ability to see scores, because the rich dont have to check there credit scores they own debt they dont have it!! 

Sincerely XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent a XXXX payment via Chase bank and they deducted the amount from my checking account twice. I was not notified in any way by Chase that they had made a mistake. I only noticed a day later that the transaction had gone wrong. They have still not sent me any official notification or explanation of why they charged me twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the court of the FCRA these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS