23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, I received an unauthorized charge on my XXXX credit card. I immediately contacted XXXX bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}. 
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received consisted of a fake business name, fake business phone number with an area code that does not exist, a fake business Email address that is from a known spam Email server ( yeah.net ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX tracking confirmation order that did not contain my name or address. This information was received from XXXX XXXX, the location from which I supposedly authorized the transaction. 
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX directly and inquired about the transaction number on the XXXX screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from Pay Pal, but from XXXX, by a Mr. XXXX XXXX. 
I have been continually harassed and bullied by 5/3 to pay for this transaction I have nothing to do with. This transaction was conducted by a Mr. XXXX XXXX. I have more than six credit cards. I have zero balances on any of them, except for this one single unauthorized transaction on this now closed by my request 5/3 credit card.

I have had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. I have late fees and interest charges placed on this card every month. 5/3 has broken their contract by sending information to the credit bureau while ongoing investigations were taking place. They went against FTC guidelines by not completing the investigation in 90 days. They have gone against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction. 
I have supplied them with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have supplied them with proof of the supposed seller being fake and have sworn to them I have never communicated with the supposed seller one time, let alone authorized the use of my card. They refuse to communicate with me regarding the authentic documents I have provided them.
Product: Credit card

I notice my discover card is being paid but doesnt seem to be going down. My credit cards all have about the same interest rate and all seem to lower when I make a monthly payment minus the discover card my sister also has the same issue. When I noticed that interest is being added at XXXX monthly I nearly had a XXXX XXXX. My other cards say XXXX in interest discover doubles the fee not sure why. This seems concerning since I seen on other post on social media numerous people have the same issue.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, ga XXXX XXXX XXXX Dear Equifax, XXXX, XXXX : This is a XXXX that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXXXXXX XXXX on XXXX XXXX, XXXX under the account number XXXX XXXX XXXXXXXX XXXX  An personal loan opened aXXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy is being violated by Transunion, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Product: Student loan

Great lakes student loans fraudulently took out loans in my name I was told they were grants and as long I passed my class I didn't repay anything the school has been shut down due to this happening to multiple ppl but they refuse to dismiss my loans I never took out. No other school even acknowledges their credits so they want me to give them free money for wasting my time at a fraudulent school no one in the country recognizes. I XXXX  XXXX and was just trying to further my abilities in life.
Product: Checking or savings account

The bank asked me to send documents to verify it was my account so they could release the funds that was XX/XX/2020 now we are the XX/XX/2020 and all they keep telling me its in review im getting late fees on many things i had to pay and all they keep telling me is the same thing the bank is usbank relia card
Product: Money transfer, virtual currency, or money service

In XXXX of 2020, I used cash app to transfer funds to a potential landlord who turned out to be a scam artist. I went to cash app to return my funds and they refused and would not allow my banking institution to recoup my funds. The amount I sent was {$1500.00}. I filed a complaint to my banking institution but ultimately cash app refused to return my funds.
Product: Credit reporting or other personal consumer reports

I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND EQUIFAX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY EQUIFAX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT ONE PENNY IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A DOMESTIC XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!!
Product: Debt collection

I have contacted Kahrs Law office in regards to a debt that is not owed, and they filed a suit against me. I have even submitted a complaint to my states Attorney General, and submitted a response. I have provided all of my documentation to them via mail, and the attorney general. They are trying to get me to pay the same amount that has been paid twice over. I called XXXX XXXX on XX/XX/XXXX to ask for the pay off amount was told it was XXXX, and paid it that same evening. Then XXXX XXXX withdrew several more payments from my bank account after the debt was paid in full. I disputed each one with my bank, and received my money back. And had to get new debit cards. Then they sent me to a collection company XXXX XXXX XXXX   XXXX XXXX. I requested validation without receiving any correspondence. Disputed with credit bureaus again no response. Sent them bank statement and letters. Again no response. I finally sent a payment through my bank account bill pay on XX/XX/XXXX. Also sent a letter to them stating that I sent a payment also no response. My bill pay with the bank I had at the time did not sent a paper check it was an electronic EFT. Sent a letter to XX/XX/XXXX saying that sent a payment , and again asked for validation with no response or validation received.  Mr. XX/XX/XXXX is trying to sue a person that does not owe a debt.
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1666B ) " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information on my report are all reporting inaccurately and I have sent over a letter already stating that my information be updated in XXXX. I sent over a second letter in attempt to get this fixed and taken care of as well. 

XXXX  shows improper dates that it was opened. XXXX is reporting XX/XX/2017 while Experian XXXX XXXX show XX/XX/2017. The amount of the high credit limit shows inaccurately as well and the comments on XXXX shows inaccurate as well. 

XXXX shows XXXX different account numbers and all 3 bureau 's are reporting inaccurate information. These accounts do not belong to me at all.
Product: Credit reporting or other personal consumer reports

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XX/XX/2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XX/XX/XXXX AccountXX/XX/1234, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

The removal of the security interest, seeing there is no lien on the property in which they repossessed. I am asking them to remove this account from my credit profile as it is a violation of my privacy and I have not consented to them reporting my private information to a third party CRA, or if they can provide the proof of me agreeing to consent to them reporting my private information. It also has come to my attention that the CFPB has filed a class action lawsuit against CREDIT ACCEPTANCE for the predatory lending and the misrepresentation of the cost of credit and tricking its customers into high-cost loans. They're reporting this collection is having an adverse reaction to my credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts I have tried to dispute being they were paid off or I do not have a contract with them.
Product: Debt or credit management

Credit repair promised to remove things from my credit that are still there. Now Im going to file bankruptcy because Im sinking. I paid for the service for a year and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX claiming that a new account was recently opened in my name at XXXX. I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXX XXXX XXXX XXXX. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the XXXX website. A day later XXXX emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with Equifax, and again, a day later Equifax told me that the account truly belonged to me. I am at a dead end. The company, XXXX or XXXX XXXX, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
Product: Debt collection

I am receiving emails from a company called Spring Oaks Capital about credit card debt they purchased and are trying to collect from me. I do not want to receive emails, phone calls, or any other form of communication from this company.
Product: Credit card

Case Number # XXXX On XX/XX/2023 I went to XXXX which is a know auction site and attempted to purchase two diamond rings for {$1100.00} online from third-party seller XXXX XXXX XXXX XXXX XX/XX/2023 After receiving invoice but no shipping or tracking information I emailed and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a rude XXXX XXXX agent over the phone, that let me know I would never be ordering from this company again. Then The Same day I received a reply email with the shipping & tracking information and when checked, item had been created with XXXX XXXX. Tracking # XXXX XXXX XXXX 
XX/XX/2023 item successfully, delivered to address on front door step and received by me and my wife. Upon inspection all temper evident was sealed and shipping bag was taped well. After opening package and noticing none of my online purchase items were inside packaging. I immediately called seller and gave them notice that both items were not received and I immediately receive rude and suspicious treatment, so immediately I called my credit card company capital one to dispute transaction XX/XX/2023 Item was removed from credit card account, but charged back XX/XX/2023 my dispute letter was denied XX/XX/2023 and now Im reaching out Because I know and believe that XXXX XXXX is defrauding its customers and have reached out to host site XXXX & have been told that they have had several Claims This Year also about empty box shipments and items not being received. from this third-party seller XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.
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. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX XXXX Account Number : XXXX 12.XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account Number : XXXX 14. XXXX XXXX XXXX XXXX Account Number : XXXX 15. XXXX XXXX XXXX XXXX Account Number : XXXX 16. 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 instruction 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: Mortgage

The bank own the house. The owner never told me nothing. I FOUND OUT WHEN WATER WAS SHUT OFF..cause he pay it. That was on the lease agreement. SO NOW I WANT TO STOP IT FROM BEING SOLD TO ANY ONE potential buyers
Product: Credit reporting or other personal consumer reports

I would like to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of my account. 

I initially reached out to your customer service department to address the issue of my late open account. Regrettably, despite my efforts to resolve the matter promptly, the problem persisted. Consequently, I received a second attempt to correct the situation, which has only compounded my frustration. 

The repeated oversight in addressing this matter not only inconveniences me but also reflects poorly on your company 's commitment to customer satisfaction. As a result, I have experienced unnecessary stress and inconvenience, which is unacceptable given the circumstances. 

I urge you to take immediate action to rectify this situation and ensure that such oversights do not occur in the future. Additionally, I request compensation for the inconvenience and time wasted due to this recurring issue. With this, I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.
Product: Credit reporting or other personal consumer reports

I did not grant permission for these inquiries and strongly suspect they are fraudulent. I implore you to undertake a comprehensive investigation and promptly delete them from my credit report.
Product: Debt collection

On XX/XX/2020 a certified verification letter was sent to NCB management services incorporated. Per tracking details it shows they received the certified letter on XX/XX/2020, and as of today XX/XX/2020 I have yet to receive any information regarding The validation of the account.
Product: Credit card or prepaid card

On XX/XX/2020 I found out the my EDD Bank of America card been charged everyday from XX/XX/2020 to XX/XX/2020 by XXXX XXXX totaling {$4000.00} without of authorization and knowledge. I dont have XXXX or XXXX account and never purchased anything from them. I am XXXX XXXX XXXX woman never played or purchased XXXX. I contacted BoA and opened a case and also did a police report. Bank of America denied my claims by saying there was no errors and the case has been resolved. I have called them 5-6 times and talked with different claims representatives but so far nothing has been done by BoA. I want them to pay my {$4000.00} that was charged by XXXX XXXX immediately since this was my unemployment money from my hard work. This has brought hardship and stress issue for me and my family. Please let me know what else do you need from me.
Product: Checking or savings account

On XX/XX/XXXX, a phone call from the number XXXX XXXX XXXX, a woman says she is form CITIBANK, without the verification of the identification of the phone-caller, she asked me about my mother 's work. I replied her that My mother works for the government in XXXX and I could not tell you the detail now, I need to ask my mom, and we met an agreement that she can give me a phone call later in the next day. They didn't call me later at all and list my mom as dangerous person, then they locked my account ( debit and credit ) without informing me, which is unreasonable. I am angry! The CITIBANK CHECKING ACCOUNT is the only one I have in US and I am on my road trip, I couldn't even fuel my car.

Yesterday I have already replied them and they tell me there should be another 4 business days to process it. I have more than 17 thousands dollar in my account and I could not do anything including pay for my CITIBANK CREDIT CARD, AND THEY WILL CHARGING ME IF I DIDN'T PAY IN TIME. 

There should be not rights for them to ask my privacy such as my mom 's work. It's very nice to agree CITIBANK to give them my mother 's working information.They not only collect my information illegally but locked my account illegally. 

If The CITIBANK just want to collect my information, why don't they give me a phone call first and then give me an email or a URL to fill-out a form at the beginning? That would be clear if you really want my information in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associate # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like my fraud alerts removed from my credit report