23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I did not authorize these fraudulent inquiries on my consumer report and according to the FCRA I would like to be removed or deleted immediately Thanks XXXX XXXX XXXX, credit cards, XXXX XXXX XXXX XXXX XXXX XXXX credit cards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Product: Credit card

On XX/XX/XXXX in the attached picture, I clicked on an ad which offered free samples of sunscreen. I was charged the shipping amounts below : XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$5.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$6.00} I made no further purchases with the seller. I left for a trip on XX/XX/XXXX to XXXX XXXX and returned XX/XX/XXXX ( which I can provide flight information for ). I returned to find two additional unauthorized purchases for large amounts on my card, one apparently made on the day I was on my flight. The fraudulent seller kept my card information. I received no product or service. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$120.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX CA {$110.00} It has been nearly three months and I have not received a resolution. This is the first fraudulent incident I have reported to Citibank. Despite their written guarantee of protecting credit card holders against unauthorized purchases ( which states " Youre protected against unauthorized charges on your consumer credit card account. At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ) ), they have withdrawn the credit to my account and I have spoken to a customer service representative who stated the act of providing my credit card information for the samples on XX/XX/XXXX meant that this fell under the 'scam ' and therefore not 'fraud ' category, despite the purchases being unauthorized. 

Additionally, I received a new ( different ) Citi card just five days ago and activated it. I had only made a single purchase before I found a new fraudulent charge posted today on this card : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} The Citibank representative told me that they had previously not provided the service that prevented ongoing charges from my old canceled card from rolling over to my new one! They suspected that a seller who had held on to my old card information now had made a new fraudulent purchase that simply rolled over, completely negating any point in canceling and obtaining a new card. This is absolutely unheard of to me and I can not imagine how an 'ongoing charge ' was established, for an 'XXXX ' no less, if the description is to be believed. They finally told me my next new card would have this service ( preventing rollovers ) and would credit this amount back to me. The admittance of this fraudulent activity and the denial of the previous one is completely contradictory. 

In any case, I have never encountered a bank with such a large loophole that sets the customer up to be so easily taken advantage of, and one which so clearly does not stand behind their own guarantee.
Product: Debt collection

On XX/XX/2019 I received a letter from Ability Recovery Services , LLC in reference to an alleged debt with XXXX XXXX. I called Ability Recovery Services and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by Ability Recovery Services,  and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX Township Police Dept. This is not my account, I want it deleted from all of my credit reports. I would file suit immediately in the XXXX Federal Court, but Ability is NOT registered with the state of Michigan and they have a history of default judgments in this district.
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 privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX. Account number. XXXX has violated my rights. 
15 USC 1681 section 602 A. 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 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 doubt this is correct, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

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

In XXXX - XX/XX/XXXX my credit score dropped significantly due to an individual named " XXXX XXXX '' being added to my Experian Credit Report. I attempted multiple times to contact Experian to correct this problem. I also send Experian two letters detailing the problem. In XXXX I received a letter from XXXX whom I have a consumer credit card indicating that they were dropping my credit limit due to XXXX XXXX being added to my credit file. I then filed a complaint here with the FTC and a week later I received a call from Experian and explained the problem ( asked them to remove XXXX XXXX from my file ). Again in late XX/XX/XXXX ; I asked Experian to fix this problem. Finally, in midXXXX XXXX I did receive e-mails from Experian indicating they had taken action. On XX/XX/XXXX, I received notice from XXXX XXXX that they reduced my credit limit due to Experian erroneous credit file. This morning I received three calls from collection agencies asking to speak to XXXX XXXX. The number the collection agencies are calling is my business line. Dear XXXX please help me by telling Experian to fix this! No one answers the phone when I call the number as the only option available is to order a credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

Account : XXXX Account Number : XXXX Account : XXXX Account Number XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand this account be deleted from my consumer report. 

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

On XX/XX/18 I submitted a request to both transuion and XXXX XXXX XXXX regarding an account reported by transuion. I submitted a request asking for validation of XXXX account being reported in the amount of {$1100.00}. I have not received a response from either transuion or XXXX XXXX XXXX. Under the fair credit reporting act I have the right to have this inaccurate information removed after 30 days of not receiving adequate validation of this account in question. I have disputed this account in question four times with Transunion and have not gotten any sort of validation whatsoever. I do not owe XXXX XXXX XXXX any money at all. I have never signed a contract with them nor have I done any type of business with them. the account in question is not accuretly being reported by TransUnion. 90 days of waiting for validation of this account in question I am requesting that this inaccurate information no longer report on my credit file.
Product: Credit card or prepaid card

I applied for a credit card from Penfed when they sent me an ad saying I'd been pre-approved, However I was denied the card primarily because a credit-report from XXXX  shows a Serious Delinquency according to their letter of XX/XX/20 Ref No. XXXX. However the report is either incorrect and/or Penfed is incorrect because I've downloaded the report from several credit reporting outfits and there are no such delinquencies.
Product: Checking or savings account

I explained to the company that they are continuously violating my rights as stated by the FCRA SECTION 1681 B.
Product: Payday loan, title loan, or personal loan

Trying to see what's going on
Product: Credit card

RE : Comenity Bank high finance charges. 

Hello, This pertains to my current account with sudden exorbitant amount of accrued finance charges that have recently been applied by Comenity Bank on my XXXX credit card purchases. I called the XXXX Comenity customer service on XX/XX/XXXX to settle the interest free Promo plan for {$71.00}, which was also surprising to me as the purchase items were interest free. However, the customer service representative mentioned that there was another amount of about {$1700.00} that was supposed to be paid on XXXX XXXX which I was not aware of as I did not see it online as being due for payment. The one that I saw online and was able to pay for the XXXX XXXX month, was the regular payment of {$140.00} which I paid on XX/XX/XXXX. 
The Customer Representative mentioned that the XXXX XXXX amount to settle the promotional plan increased the finance charges to {$11000.00}. It also wiped out more than 95 % of all the payments I have been making for the items I bought on a five-year interest free promotional plan from the XXXX store and pushed the total debt amount to {$15000.00} which is more than the total credit limit amount of {$10000.00} I was given by Comenity Bank on the credit card. I was granted the total credit limit of {$10000.00} in XX/XX/XXXX on a five-year interest free promotional plan and as of XX/XX/XXXX, I was left with an available balance of {$4200.00}. So, I was surprised when they applied high finance charges by {$11000.00} increasing my debt to {$15000.00} in XX/XX/XXXX, right after the XXXX store filed for bankruptcy. 
I would like to say that based on my payment record, I have been on time with all the monthly payments on my account and all the due amounts were visible except the {$1700.00} for XX/XX/XXXX, which, given a chance, could have been paid off to avoid these high finance charges which are not warranted. 
Given that there was an interest free five-year promotional plan when the original purchases were made, I am very surprised about these sudden high finance charges from Comenity Bank XXXX I also feel that Comenity Bank renege on their original agreement of keeping the transaction on an interest free basis as I was making timely payments. They also change the original agreement on XX/XX/XXXX, with a new annual percentage interest charges of 35 % which sounds very fraudulent to me. 

Therefore, given the fact that Comenity Bank renege on the original agreement of five-year interest free promotional plan I had with them, I would like for the Consumer Financial Protection Bureau to assist with the fraudulent behavior from Comenity Bank by removing these sudden high finance charges from my account. I feel that Comenity Bank deceived me into signing up for deferred-interest promotional credit cards without disclosing the true interest rate from the beginning. I tried to resolve the issue with Comenity Bank to no avail. 
Best Regards,
Product: Money transfer, virtual currency, or money service

In brief I contacted the Western union customer service to inform them that both transfers domestic wires were canceled by their office. The person I sent the money to had some issue with Identity in their system, so I was instructed to get a refund for transactions : Date XX/XX/2022 XXXX XXXX. XXXX for {$200.00}. and XX/XX/2022 XXXX XXXX. XXXX for {$200.00} the wire charge should be returned as well I was told the money would be back by the XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and XXXX XXXX XXXX will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. XXXX  XXXX XXXX is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.
Product: Checking or savings account

This is regarding a checking account I opened with XXXX XXXX in the beginning of XX/XX/2019. I opened the account online without any issue and paid the minimum deposit ( {$25.00} ) immediately. Over a month went by and I hadn't received my debit card in the mail so I contacted them only to fin out the account had been closed. While this struck me as strange, I didn't protest as their customer service and general apathy up to this point left me feeling content to sever the relationship. However, 2 unresolved issues arose from this : A ) They confirmed my account was closed on XX/XX/2019 yet did not return my balance I had from the minimum deposit I made and they still haven't nor have they expressed an intent to even though as I understand it they are legally obligated to do so. And B ) I happened to have requested my XXXX report at the time all this was happening and it seems TCF reported my account to XXXX as " closed for cause '' which is a serious thing to add to someones XXXX report, when I asked TCF about this they claimed they don't know anything about it nor how to fix it nor why this report was made. Keep in mind, I had NO ACTIVITY on this account other than opening it and giving them the deposit which they have thus far absconded with on TOP of damaging my XXXX report which consequently cause my checking account at another financial institution to be closed which incurred significant damages to my professional, personal, and financial well being. Again, ZERO transactions, no interaction with the account in any way yet they file this obviously fraudulent report at my expense, and withhold my remaining balance for no reason. I contacted customer service 8 times now via phone and email and they either pretend not to understand me and just yell over me, or claim there is nothing they can do. Please help. I very much appreciate your attention to this matter and am happy to provide further documentation of these events upon request. 

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

Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report. 

I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report and seen that Toyota MTR is reporting negative and inaccurate information about me. They have been reporting inacurate info against me and defaming me since around XX/XX/2021 on my credit report. I sent in letters and I didnt get a response. They never supplied any information to me to validate the debt or accuracy of their reporting. I do not agree with their actions. I have challenged the accuracy and integrity of the information. ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part
Product: Credit reporting or other personal consumer reports

Oliphant USA is reporting on XXXX twice which is a violation in the FCRA. 

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline
Product: Payday loan, title loan, or personal loan

I contact loans places to get a loan to help my mom get a place because of personal reasons ... I applied for the loan n got accepted with no credit, it was for an installment loan.. I got money sent to my account XXXX into my savings then I had to sent back to the company in order to get my Loan that I was originally post to get which was {$2000.00} and then I tried to cancel the loan but they wouldnt let so then I called my bank and they said money has been deposited into my account and it looks like it might be fraud
Product: Credit reporting

Equifax Information Services LLC, a credit reporting company, has not provided any proof or documentation that they conducted a real investigation on the items that I disputed with them on several occasions. Equifax has claimed that they have verified fraudulent with creditors that they have never contacted.