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

As per 15 USC 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
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.

XXXX Bank and XXXX with no account #, 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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 am writing to formally dispute several items on my credit report, I discovered unauthorized accounts and transactions on my credit report from XXXX XXXX, XXXX. I did not open these accounts or authorize these transactions. 
The following accounts/transactions are fraudulent : Collection Account with National Credit Systems for the amount of {$9800.00} Credit cards XXXX XXXX XXXX and XXXX XXXX accounts totaling {$930.00} and {$720.00} Collection account with XXXX XXXX XXXX XXXX for the amount of {$1500.00} Collection account with XXXX XXXX XXXX for the amount of {$1600.00} Credit Card : XXXX XXXX for {$80.00} Multiple unauthorized inquires from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have taken the following steps to address this issue : Notified XXXX XXXX XXXX of the identity theft and requested a fraud alert on my files. 
Under sec. 605b and USC 1692
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Netspend sent a charge back from an online gaming website for XXXX XXXX  for XXXX XXXX {$10.00} XX/XX/XXXX deactivated account through XXXX XXXX XXXX ( XXXX  ) for won charge back at that time I had paid XXXX and cash XX/XX/XXXX Netspend credit {$5.00} for XX/XX/XXXX XXXX  coins XX/XX/XXXX complaint about money left on account XX/XX/XXXX {$110.00} credit Netspend XX/XX/XXXX XXXX  XXXX XXXX {$280.00} credit I had 2 prepaid account through XXXX and was unaware of the multiple transactions from XXXX XXXX XXXX XXXX I recently received $ XXXXcredit from XXXX for partial from XXXX I went to Netspend requested remaining balance on XX/XX/XXXX XX/XX/XXXX Netspend decision was because it was after 60days I can't do anything that unfair this website is aware of my complaint of the unauthorised transactions and not dispute the refund its Netspend were my account is i haven't dispute charge back with XXXX  XXXX XXXX with XXXX I don't understand if the company is will refund why can't the company i trusting my Money with didn't notice these multiple transactions I don't receive monthly transactions please help on what is it that I need to do I can't let this company just keep my earned hard money thank you XXXX
Product: Credit card

On XX/XX//23 I visited the XXXX store at XXXX XXXX in XXXX. As I was checking out, the cashier asked me if I wanted to open a new Sephora Credit Card account. He made three specific assertions to me : 1. that I'd get an immediate approval ( my credit rating is XXXX ) 2. I'd be able to apply a 25 % discount to my {$280.00} purchase 3. I'd be able to pay for the purchase using the new card. So I decided to apply. I did not receive any kind of response. The sales person said I needed to wait for the bank to communicate with me. I asked for the store manager, and asked him to make a call to the bank to find out what was happening. After speaking with someone unknown to me, he said that person wanted to speak with me. After asking me for some personal information, he proceeded to tell me the same thing-that he could not provide me with any information and that the bank would be contacting me. Well, the bank never contacted me either by phone, email or regular mail. I looked up the bank online - Comenity Bank - and found hundreds of comments from angry customers who were victims of the same scam : the bank approved cards for them but never sent the actual cards, and at year end, unbeknownst to them, they'd receive collection letters for the annual fee plus large late fees, and their credit score would also be reduced significantly because of the non payment of the card fees they didn't know about. So I decided to call Sephora credit card department and they told me they could not help me, that I needed to call the bank. So I called Comenity Bank at least twice, asking them for information about my case and they refused to give me any information. So as of today, XX/XX/23, it's been more than 10 business days since I was deceived into applying for this card, and I don't know if I was approved or denied, and I never received a call nor a card by mail. The bank has refused to provide any information about my application, and now, the only reason why I decided to open the account, which was the 25 % discount, is no longer available for my purchase. So, I respectfully request the CFPB to investigate Comenity Bank 's practices under the ECOA, and that they are required to delete the inquiry they made of my credit to XXXX and also, that they cancel any credit cards that they have issued in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked every month since XX/XX/2018 via letter for proof of a {$360.00} debt with XXXX XXXX XXXX and have not received one piece of documentation yet each credit reporting agency responds as debt validated. 
I have also requested since XX/XX/2018 via letter the original signed agreement for a {$230.00} XXXX  XXXX debt that all three credit bureaus are reporting and have yet to receive it. They just send me a statement of account which doesnt prove the debt is mine. This XXXX XXXX debt is a secured credit card. Per their customer agreement online, the security deposit should be forfeited to cover the debt which makes the amount they are reporting incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Experian 's repeated rejection of valid documents is unacceptable after six months of complaints. I urge the CFPB to promptly scrutinize this case, as Experian seems to have neglected its legal duty to process my identity theft report. XXXX XXXX XXXX. Moreover, the reported bankruptcy XXXX  7-dismissed ( Ref : XXXX ) is factually inaccurate. No trial or judgment occurred, indicating a lack of validity.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX {$2100.00} XXXX XXXX {$420.00}
Product: Credit card or prepaid card

I applied for a Care Credit Card on XXXX-2021 and was approved for {$9200.00}. Using my current information for home and employment. The next day I looked online and now there is a block on my account. I called in and the customer service rep told me there is a block on my account for fraud. Mind you this is the next day after I applied for the card so there have been NO TRANSACTIONS on the account. She told me I have to mail in my drivers license and a utility bill to a PO Box address. This is a complete SCAM! I have never had Fraud in my name and there is no Fraud with this account. 

The same thing happened to my wife who applied for Care Credit a couple of months ago. She sent her documents to their PO Box and then they closed her account that had no transactions. There is no Fraud, the only Fraud is Synchrony Bank who has thousands of complaints online. The only reason people apply for Care Credit is because it is a medical credit card for medical procedures. Synchrony Bank is a FRAUD! They checked my credit and approved me for a card and then they block it claiming fraud? The CFPB needs to fully investigate this bank for their predatory lending practices.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

There is a fraudulent application on my credit report. 
I talked to city bank today and the address and phone number is not mine that was used to open the account. 
I have a police report and identity theft report. 
City bank is refusing to remove the inquiry or credit even tho the information does not match mine.
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 XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name XXXX XXXX  - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Trans Union ; asking them to correct errors on my credit report. XXXX and XXXX  responded with the corrections, but Trans Union has not yet responded. They are supposed to respond within 30 days.
Product: Mortgage

My husband and I were in a forebearance program from XX/XX/XXXX to XX/XX/XXXX. We started making payments again in XX/XX/XXXX. We made XXXX and XXXX payments. We opted to defer our missed payments to the end of our loan. Well after making our XXXX and XXXX payments we were informed by 5/3 that the payment deferral agreement wasnt in effect yet. It didnt become effective until XXXX XXXX. So 5/3 applied the XXXX and XXXX payments to XXXX and XXXX. So we resumed making payments again in XX/XX/XXXX. We made XXXX, XXXX, and XXXX payments. Then on XX/XX/XXXX, 5/3 reversed XXXX, XXXX, XXXX, XXXX, and XXXX payments. 5/3 claimed that our payment deferral agreement wasnt in effect even tho we have a letter stating otherwise. I find it ironic that they started reversing our payments in XXXX after they were notified that we were trying to get refinanced with a mortgage company. So after reversing the 5 mortgage payments we made, 5/3 then reported us to XXXX as missing payments and delinquent on our loan. It dropped our credit scores 43 points. And that could very well cost us the ability to refinance our mortgage.
Product: Credit card or prepaid card

XX/XX/XXXX : Capital One issued a " Rewards check '' to me for {$54.00} XX/XX/XXXX : I attempted a mobile deposit to my XXXX account XX/XX/XXXX : XXXX notified me that the 'rewards check ' bounced, and i was charged {$12.00} XX/XX/XXXX : I contacted Capital One, and was told by " XXXX '' that I would hear something by XX/XX/XXXX, but I never did XX/XX/XXXX : I called Capital One again, and was told by 'Supervisor XXXX ' that they show this check as cleared XX/XX/XXXX : I called Capital One again, and asked where i can submit proof, from XXXX, that the check bounced, and a fee was charged, and was told 'supervisor XXXX ' that Capital One will be sending me a letter to 'confirm the check was cashed '! Again, I offered to prove otherwise, but she said they have 'no incoming emails ' and I would have to take this up with XXXX XXXX 
I would like Capital One to credit my account, the full {$66.00}, to cover the rewards and the bounced check fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX  with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit card

So Apple credit card.

I had one that I repeatedly used in only one place and nowhere else, ever. All purchases were a few dollars each, and all of them were in Missouri. 
Two purchases show up in California for a gym membership and an UberI disputed the purchases with Apple and they denied my claim. I never used my physical card, but only my Apple Pay, and did not join any gyms with headquarters in California, or take any XXXX in the past year. So grossly fraudulent that I actually laughed when they denied my claim. I contacted customer support, paid my balance in full, and closed my account. I dont want anything to do with this company if they wont protect their customers. 
I actually know what happened and the vendor whose machines I used my card with was contacted about this, and they discovered a skimmer and removed two machines. This information was also passed on to the Apple Card Goldman Sachs ( who sounded just like a ) XXXX ( can not instead of cant, will not instead of wont, etcit was crazy ) on the other end of my chat who oddly lacked any semblance of logic or reasoning. Its either complete lackies, broken algorithms, or two people doing paper-rock-scissors who decide these claims.
Product: Credit card

US Bank failed to process payment for a credit card I have with them, then reported late payments to the credit reporting agencies. I attempted to pay on XXXX XXXX 2014, XXXX XXXX 2014, and XXXX XXXX 2014. Because of misleading statements and actions by their representatives, my account has negative information. 

Details : I had an auto-pay setup that was working fine for months, then a payment was returned for insufficient funds. I tried to make a payment over the phone to one of their reps, long before the " 30 day late '' period. He took my debit card information and went through the motions, letting me know that my payment would be processed. Weeks later, after learning that there was no attempt to debit my account, I again called and spoke to a representative to took my payment information and sent me on my way. This happened repeatedly, and each time they neglected to process my payment. 

On my third call, I was transferred to a manager who informed me that there is some policy where payments ca n't be processed over the phone after XXXX comes back with insufficient funds - that I had to go into a branch to make a payment. At this point my account was many days past due, and it was showing on my credit report. Because of the misleading actions of their reps, I have negative info showing in my account. 

Additionally, I have a witness for all calls and the trip to a local US Bank branch to sort it out. After a thorough conversation with a US Bank representative, it appears that they have conveniently deleted any record of my conversations with them in 2014. I 've gone through their normal process for disputing this, with no results. I do n't know what to do from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I am providing the documentation/proof that XXXX  XXXX XXXX and the reporting companies are complicit in reporting grossly incorrect information on my credit report. I've disputed it, filed complaints but both XXXX and the reporting agencies have refused to investigate and correct the problem. XXXX should have this exact documentation OR, the documentation they do have is incorrect and not only do they need to correct the information but also refund the payments they never accounted for and include interest and penalty amounts for all of the time spent and damages experienced ( declined loan, credit cards cancelled ... ) due to the entry and negative affect to my credit from this over the years. 

The bottom line is they state I was 30 days late with payment in XX/XX/2016 but I was not as the documentation clearly shows. In fact, I made payments to XXXX through XXXX of that year and only in XXXX did they refund the money. Also and in reality, at the time I was trying furiously to stop these payments and they would not stop them which I should also have all of that documented so this is not an oversight, this is XXXX intentionally trying to harm my credit and thus harm me personally. Not only XXXX but also the credit agencies as well as they were informed of this issue and they chose to side with XXXX. 

The attached documentation is bank statements showing the automatic payments to XXXX XXXX XXXX  and then only in XXXX did they stop and refund the payment.