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

Reporting Transaction history is illegal 15U.S.Code1681b-Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report uder the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.They need your written consent to add any thing to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L90321 ( 82Stat.146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to are quest by the head of a State or local child support enforcement agency ( oraState or local government official authorized by the head of such anagency ) 15U.S.Code1681c Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12CFR1022.3 Definitions Identity theft means afraud committed or attempted using the identifying information of another person without authority.Anything added to your report without your written consent could be considered Identity theft 15U.S.Code1681c2-Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumeridentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The agency continue to blatanly violate these and other regulations
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I made 28 transactions with " Square '' totaling {$900.00}. I have been using this companies service for several years and have never had an issue with them transferring the funds to my bank account until now. 
Every year in XXXX I use the same account with my same name, same bank account, nothing has changed except for the service I'm receiving from Square. Now I have reverified my ID with them as they initially requested and they are requesting more information like invoices containing my customers phone numbers, emails and billing addresses as well as 3 months of my bank statements. I use Square card reader in person and have never asked a customer for any of this excessive information.

Every year that I have used their service I transfer that money to my XXXX  mother for her XXXX expenses. They have told me that if I'm unable to provide this information that they will hold the funds for 3 months and then make the transfer. I don't believe this at all.

I would recommend to anyone at all to never use Square.
Product: Credit reporting

I have been disputing that Equifax should not allow State of Washington Child Support XXXX on my credit report to report anything because I am on SSI. That SSI is my only income and they can not perform this legal act. I applied for SSI XXXX XXXX so this applies since XXXX XXXX. I was approved XXXX XXXX. I also noticed they have reported numerous times in XXXX, when they are to if it was a legal act report only a few times a year. This is to prove they are in control and a malicious act. Well now I am in control and this fraud will stop. 

I have an email from XXXX XXXX whom is head of XXXX, Wa Federal Office of Child Support whom agrees with me and the law that Division of Child Support should not be reporting to ones credit report that only income is SSI. My only income is SSI. There act is illegal and has been. My credit score has been affected by this and needs to be reflected in the change. As well, not once did I receive notice since XXXX that Division of Child Support was going to be reporting to the credit bureau 's. Per Federal Law safeguards are mandatory and my due process was denied. This fraud child support tradeline in its entirety needs to be deleted from my credit report and score reflected. Please feel free to contact XXXX XXXX for confirmation. 






XXXX XXXX XXXX ( 2 days ago ) to XXXX Thank you, but my question is regarding permanent XXXX. SSI is not counted as income. 


What is your thought on this Federal Law? Reporting to the credit bureau is a legal process right? 

" " The provisions of section 207 ( a ) of the Act ( 42 U.S.C. 407 ( a ) ), prohibiting attachment of benefits, are specifically made applicable to Supplemental Security Income ( SSI ) benefits pursuant to section 1631 ( d ) ( 1 ) of the Act ( 42 U.S.C. 1383 ( d ) ). Federal regulations at 5 CFR 581.104 ( j ) also specify that SSI benefits are not subject to garnishment. In addition, section 459 of the Act ( 42 U.S.C. 659 ), which overrides section 207 of the Act, provides that only benefits which are based upon remuneration for employment are subject to legal process for child support enforcement. " XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX ( 9 hours ago ) to me I can indeed confirm to you that SSI benefits can not be garnished or intercepted. A taking of your SSI dollars by a collection intercept, either directly from the Social Security Administration or via a bank account garnishment after they 've been deposited into your account is something we have clearly instructed state child support agencies they can not do. 
I do interpret this provision to mean that Washington State is forbidden from reporting an outstanding child support debt to a credit bureau if someone is receiving SSI XXXX benefits. 
XXXX XXXX Here is his contact information. Contacting Division of Child Support XXXX, WA will do you no good. They lie. 
Look down the list and you will find XXXX XXXX contact. He is in charge of DCS XXXX, Wa. Above all of them. 

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

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : 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, must be updated to reflect accurate information on my Credit File.
Product: Checking or savings account

I had a remaining balance of $XXXX in my account on XX/XX/XXXX or XX/XX/XXXX. My debit card along with other very important information was lost. I travel 70 miles each way to work daily, therefore, I stop at multiple gas stations along the way. I am unsure where my organizer/wallet was left. Bofa keeps denying my claim for many various reasons each time I appeal the decision. One reason was that I had to have known the person. Bofa cannot and will not tell me who I am acquainted with and who I am not. I worked with the police in my city, XXXX, GA. the officer sent me pictures of the perp and I told the officer I have never seen him. I can and will swear under oath in a court of law that I do not know that perp. Upon filing the police report the officer informed me that it was a few cases going around like mines. he also stated that if I had something to do with this that it would come back on me as well. I have been battling Bofa since XX/XX/XXXX for my paycheck and IRS refund that was deposited in my account on XX/XX/XXXX. I do not feel they should be able to apply my checks to the negative balance because the fraud was not my fault. another reason for denial is that Bofa states that they called, texted and emailed me of the fraud and I verified that it was me. That is a lie. if someone notified me that my account was being compromised, does it make sense for me to say, "ok, that's fine". I was not aware or informed of the fraud. the email they are speaking of was never opened. I still have the email in my archives. I told Bofa that I received many emails from them daily and did not open them. On to the text message. the phone number that Bofa had on file for me has never been my phone number. A Bofa representative told me that they called a XXXX I told the rep that I have never in my life had a phone number with XXXX. That is how I know I was not informed of the fraud. the reasons why Bofa has denied my claim are bogus. each rep has given different information totally opposite form what the previous rep stated. the person of interest in this case obviously knows/knew how to work Bofa system. Now, Bofa wants me to pay for their mistake and its not fair to me. Bofa let someone call with my very detailed privileged information,inflate my account, to retrieve false funds. I do not know the perp, so how am I responsible for this? I have been with Bofa since XX/XX/XXXX and have never filed any complaints. I have always liked banking with Bofa. since this incident I do not recommend anyone bank with them. there has been no evidence that I had anything to do with the fraud that was associated with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX several times I submitted a police report complaint on identity theft and they still not acknowledging or honoring my complaint
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Social Security Number XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

Southwest credit systems placed a debt that is closed from XXXX. The account was fraudulent and closed. The date showing XXXX XXXX is not the correct date. XX/XX/XXXX I was homeless. 



XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX > I currently have XXXX and I dont owe them anything. Attached is my current XXXX bill showing you active XXXX account<
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2023 tracking  # XXXX # XXXX XXXX # XXXX However credit bureau XXXXaying they completed investigation and everything was accurate.

According to the law 15 U.S code 1681a definition rules of construction. The term investigation consumer report means a consumer report of portion thereof in witch information of a consumer character.general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer report on or with others with who he is acquainted or who may have knowledge concerning any such items or informations.however such information should not include specific factual information on a consumers credit record obtained directly from a creditor or the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX AM XXXX FIN XXXX
Product: Credit card or prepaid card

I have a Kay Jewelery Card Financed by Comenity Bank. 
I opened up Promitional plans. 
The Specific issue is I pay the minimum due and the amount towards the balance to avoid the accrued interest charge. 
At this time I made the minimum payment of {$200.00} in XXXX and {$180.00} towards the balance of the XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Totaling {$390.00}. As of XX/XX/2022 the credit has not been applied. This would close this plan and avoid the interest. I have called several time and spoke to non American CSR 'S who have no clue of how to resolve this. I have asked to speak to Supervisors and put on hold and the call is dropped..no one calls me back. 
I have to resolve this. I'm reporting this because the service sounds fraudulent. 
Why don't they understand what's going on. Why are there no American reps, why is there no higher level of reps to assist me or the confused rep. 
Is Comenity Bank financial fraudulent. I need answers.
Product: Debt collection

Rent Recovery Solutions is reporting on my credit report fradulently for XXXX XXXX XXXX. I 've contacted Rent Recovery Solutions and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit card or prepaid card

Creditor Name COMENITYCAPITALXXXX  Account number XXXX Date opened XX/XX/2020 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. 

In early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. 

I called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. 

I then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. 

I now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. 

My wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended.
Product: Credit card or prepaid card

The Citi Double Cash credit card deceitfully has the " World Elite Mastercard '' logo prominently displayed on the back of the card, though it is not a World Elite card. World Elite Mastercards have additional benefits that standard Mastercards do not have. A list of benefits can be found at the link below, which includesCell Phone Protection in case a mobile phone is damaged. 

XXXX XXXX XXXX For years I have been paying our mobile phone bill every month using this credit card, as the card is supposed to be aWorld Elite Mastercard. On XX/XX/XXXX of 2019, the screen on my wife 's phone was damaged. I called Mastercard to file a claim for the screen to be repaired. Mastercard told me that the card is not aWorld Elite Mastercard. I explained that the card has the World Elite logo very prominently displayed on it. They told me that the matter would have to be taken up with Citibank, as Citibank isthe card issuer. I took up the matter with Citibank and spoke to a few representatives all of which agreed with my concern. Because of this, they escalated the matter multiple levels to their Executive Offices. On XX/XX/XXXX, XXXX, which can be reachedat phone number XXXX, advised me during a recorded conversation that this credit card was not aWorld Elite Mastercard. I asked why the card has the World Elite logo very prominently displayed on it, and he could not offer an explanation. I asked to have it escalated as this is bait and switch, and completely illegal. He told me that I have reached the top level of escalations and that the matter could not be further escalated. Repairing the screen costs {$350.00}, which XXXX said he would not have Citi cover as a courtesy. 

Again, the Citi Double Cash card has theWorld Elite Mastercard logo displayed prominently on it, though it is not aWorld Elite Mastercard. Even Citibank themselves acknowledged this on XX/XX/XXXX during a recorded conversation. Why are hundreds of thousands, maybe even millions of consumers, being deceived with these bait and switch tactics?
Product: Credit reporting, credit repair services, or other personal consumer reports

Uhm first off, I was wondering who gave you authorization go through my credit?

When I got my car, I never expected them to pull a credit report to 8 or so different banks. The only on that is legit is XXXX XXXX. Are you able to remove all the i necessary hard inquires? I had no idea they would pull hard inquiries XXXX XXXX, I said to fill out a form to see if I am prequalified and wine affect my credit but there Is a hard inquiry for that one Also I have NEVER herd of XXXX XXXX XXXX. Although theee was a credit card company call XXXX XXXX. I never activated it and they charged me for the first year and then I didnt know it automatically activated ( never hear this happen ). But it shows a late fee which I do not have.

Can you help remove the XXXX in and XXXX XXXX  once and for good OFF my record.

Under XXXX  there re more accounts I dont know about. 1. XXXX 2 XXXX XXXX 3. And finally the XXXX XXXX card.