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

The social that is on file is incorrect and is completely not my social security number on these 3 companies. Also they are putting out false information. 

XXXX  XXXX  XXXX  Rentdebt  automated  XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX Last four of XXXX : XXXX RE : follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the accounts ) were verified on [ XX/XX/XXXX ]. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXRentdebt automated colle XXXXUS Department of education XXXX XXXXUS Department of education XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 
Best Regards, XXXX XXXX
Product: Credit card

On XX/XX/2017 I was in contact with Kohl 's. I was a payment past due and was asked to make my payment. I told the customer service rep that I was actually going to the store as we were speaking to pay with cash because I wanted to use my card right away. He said no problem, I will process the payment over the phone, I said but I wanted to use my kohl 's card today and cash payments post right away for use. He said no we can use your debit card and you can use your card right away. I know by him saying that, that there is no way they would let me use my card unless that money came out. So I double checked and said I can use it today and it will post right away, he said yes. He really forced me into making a payment then and there. So I read him my debit card number and mind you, I 'm never late. I think I may have been once but that was when I just XXXX and was on XXXX and forgot. So I read him my debit card number and he told me he would take the late fee off. I received a call today,XXXX around XXXX central time, and was told my account was 2 payments past due! I was shocked and asked about the debit card payment I made. She said it did n't not go through and I explained that I was told it was processed right then and there. I have XXXX bank accounts and I keep {$100.00} in XXXX all the time and at the moment I had that debit card on me for that bank when that rep called on Saturday. Well looking at it, I discovered I had {$76.00} in there for a {$82.00} payment. If I could of used my bank routing and account number it would have went through or if I would have jus paid cash I would not be in the situation I am currently in. I was repeatedly asked to use my debit card and told I could use my kohl 's card that same day meaning it would come out same day. The rep today told me that I was read that it can take 24-48 business hours for a payment to post but I do n't see how with a debit card payment. I feel I was misinformed and now my credit is suffering. I am trying to build my credit for a house next year and this is making me so mad. I would have paid in store with cash if I knew this.
Product: Debt collection

My name is XXXX XXXX and I'm a consumer submitting this complaint on behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. PROCOLLECT INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by PROCOLLECT INC. Please be advised that providing a memorandum or other statement from your agency, stating that PROCOLLECT INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have the trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is followup to the complaint of XX/XX/XXXX # XXXX-XXXX. XXXX XXXX XXXX XXXX removed the disputed information. On further investigation, I discovered Early Warnings continues to report disputed information although it was clear that the banking issues was related to actions of my ex-husband XX/XX/XXXX. I had attached the Enforcement Order in the original complaint but Early Warnings is requesting another dispute! How many years and rounds in the rings I need to endure to obtain my name back? The banking system ultizes Early Warning and this information is used to flag at risk consumers without any facts and, or evidence. I have disputed their detailed report. Their response was to state that I need to dispute every item on the list! These regulatory agents should have oversight and more importantly to protect the best interest of consumers ; treating them with respect and dignity.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXX/XX/XXXX, an unauthorized transaction occurred on a XXXX XXXX XXXX XXXX XXXX credit card for {$55.00}, which I disputed with XXXX. Despite contacting XXXX multiple times, including on XX/XX/XXXX, to report the issue, they mishandled the case, failed to open a proper investigation, reported inaccurate late payment info on the credit bureaus, and violated the Fair Credit Reporting Act ( FCRA ) and exceeding the 30-day resolution requirement and not notifying credit bureaus of the dispute. On XX/XX/XXXX, I escalated the issue to the CFPB. On XX/XX/XXXX, XXXX admitted mishandling the dispute over the phone via XXXX XXXX XXXX ( their Fraud and disputes + investigations phone number provided by XXXX. ) As the CFPB response states : they granted a {$50.00} credit, but still left the remaining {$5.00} for the same unauthorized fraudulent transaction which resulted in multiple late payments reported. FNBO acknowledges and confirms that the address for the card with the fraud, is in fact NOT my address. They also stated it may take another 60 days to investigate from XXXXfurther violating the FCRA . I demand immediate removal of derogatory credit reporting and compliance with the law. They have identified that the address of the card is not my address. & have received a Notarized Affidavit, FTC Report, ID theft report, and written statement ; verifiable by certified mail. This {$55.00} charge is the only charge on the account. This has been ongoing for 15+ months and is damaging my credit and health & wellness . Please remove the late payments and negative remarks from the credit bureaus and data furnishers immediately ; and cease violating the FCRA, laws, and compliance. ( Previous. CFPB complaint number : XXXX ) ( XXXX Case Number : XXXX ) .... included attached is the previous CFPB report, and a copy of certified mail received by XXXX including an FTC report , ID theft report, Notarized Affidavit of truth ( legally sufficient replacement for police report ), ID verification, and relevant dispute information.
Product: Checking or savings account

I have made a transaction using Chase quickpay. I sent money and turns out that was a fraudulent account. Chase advertises their quickpay option as a safe and protected way to send money, but I contacted them and they told me they can't do anything to get my money back. I wanted to cancel the transaction and they would not let me even though it still says " pending. '' Please do not advertise or work with a money transferring company if you do not protect users from scam. I found out that the person I sent money to was an identity thief and Chase won't even protect their customers from that.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records

by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a co
nsumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most non affiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit card

Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. 
the account. I received a letter today that they without permission opened the account and charge me XXXX. 
Please contact me regarding resolving this issue, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XX/XX/year> American Express XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear American Express Customer Service, I hope this letter finds you well. I am writing to inquire about my account with American Express. I want to clarify that I am not disputing any charges ; rather, I am seeking specific information regarding my account records. 

Could you please provide me with the following details : 1. The date of first delinquency 2. The date of last payment 3. The date of charge-off I appreciate your assistance in this matter and look forward to your prompt response.

Thank you for your attention to this request. 

Sincerely, XXXX XXXX Account XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account on my credit report is frauds and should not be on my report. A car was financed in my name fraudulently and was not authorized by me I was a victim of the XXXX  Equifax data breach and my identity has been stolen and used back in XXXX. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/XXXX. On XX/XX/XXXX, I received a credit card offer from Citi for a XXXX XXXX XXXX XXXX XXXXXXXX Credit Card. the Invitation number is XXXX. I spent an hour looking for ways to contact Citi, but I could not find any phone number to call. I have followed the permanent Opt-Out process and it appear that Citi is not using the data from XXXX or the XXXX XXXX XXXX to limit its unsolicited offers of credit, so I felt it is important to do a  formal complaint.
Product: Credit reporting or other personal consumer reports

Ive always prided myself on being on time with paymentsnever missed one! So, its really frustrating to see a late payment reported for XX/XX/XXXX when that just didnt happen. Ive tried reaching out to the company, but it feels like Im talking to a wall. Other bureaus have already recognized the mistake and cleared it up, so Im asking you to do the same. Its just not fair to have this mark on my record, especially when its causing me so much stress. I really hope we can get this resolved quickly. Thanks! 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

XX/XX/XXXX I inquired to caliber home loan about email they sent saying they can drop my mortgage insurance and lower payment on my current mortgage.On the phone loan consulatant XXXX said there is no costs but {$190.00}. I pulled over as he said he must wait on the line while I initial documents online and he can change anything going forward such as term amount etc. I asked about closing costs and was told there were no costs other than {$190.00} as they already have mortgage on house and are simply refinancing. After reviewing it they were tacking on an extra {$10000.00} to my loan for closing costs and XXXX said they would be waved or reversed. So in addition to {$10000.00} closing costs my interest rate would be even HIGHER if I refinanced. So within 30 minutes after I told him I wanted to cancel via phone and numerous emails. The Following day XXXX continued to process loan even after I told him I didn't want to go forth especially with paying higher interest and putting an extra {$10000.00} on refinance loan. I contacted his boss XXXX who then after I told him why I didn't want to proceed asked me why not and continues not to stop this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, XXXX  Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus
Product: Debt collection

I had a bill with my check inside that was stolen from my mailbox back on XXXX XXXX. A few days later I discovered that whoever stole my check forged new ones and spent them at XXXX locations around town. I cancelled my checking account at once, and opened a new one. I also filed a police report, and notified the post office of the theft. I got a letter from Telecheck which is TRS Data out of XXXX TX saying one of the checks that was cashed at a XXXX XXXX was returned for non payment and they said I was responsible for it. I went to their website and filled out the fraud and theft report and returned it with a copy of the police report and thought I would hear of a result from that. Instead they sent me another letter saying I owed the amount and they would take legal action if it was n't paid. I wrote them again, and this time sent a letter from my bank saying it was a fraudulent charge and not to hold me liable for it. To this day, I have not heard back from them, and now this week I found that they are not allowing my business through my bank on XXXX. I have done business with them with no problems until this week. I am so angry that Telecheck has done this to me, and I do n't know where else to turn for some help! I was the victim of theft and fraud, and yet I am treated like the felon! I want to hear from them that I am not responsible for a check I did not write, and I want my ability to write checks again without fear of them being declined. This is no way to run a legitimate business by Telecheck. I have tried calling them, but it is impossible to find someone that knows what is going on, or help me. This is my last resort for some help. Thanks ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX we received mail from the bank stating that our social security numbers weren't on file despite being customers for XXXX XXXX ( and receiving regular XXXX for XXXX XXXX ). The letter stated that if we did not comply the bank would begin withholding money from out interest payments. We did send the letter in, but due to an extreme snow storm in our part of the country, the post office was closed for multiple days, no doubt leading to the mail not reaching PNC in time. 

This morning I find that withholding has occurred against our monthly interest payments ( checking and savings ). We've called to complain and they are supposed to eventually get back to us. 

Accounts established in XXXX. Amounts over a XXXX  XXXX dollars. We are considered a premium customer with special access. Never had a fee, low funds, etc. in the entire XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do inaccuracy and fraud I would like to update my personal information as advised per Agent.
Product: Credit card

I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.
Product: Credit card or prepaid card

I got a comenity bank Victoria secret card in XX/XX/XXXX I started off with a {$300.00} credit limit. When I got the card I didnt use it. Therefore, I wasnt sent a due date anything etc I used it for the first time in XX/XX/XXXX. I had been paying on it and noticed a credit decrease of {$50.00}. It didnt alarm me but then I recently got a comenity letter of change XX/XX/XXXX stating my new amount is {$200.00}. I believe its due to none activity which this has happened before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only XXXX is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Product: Debt collection

Several Disputes asking to remove this alleged debt I am now demanding validation of debt failure to provide I am demanding deletion and removal from credit file
Product: Vehicle loan or lease

I financed a car from ABC MOTORCREDIT and was financed buy DBS FINANCIAL. I was charged a down payment of {$500.00} which is illegal according to the truth and lending act. The finance charge is the sum of all charges. There are multiple violation on my contract. The car was repossessed and Im currently being taking to court. I would like my down payment back as well as the total sells price and the fee schedule for the violations committed : 15 usc 1692h 15 usc 1601 15 usc1611 15 usc 1691c 15 usc 1692 15 usc1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :