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

I am writing this complaint to bring to your attention a serious issue I am facing with Barclays Bank. My complaint is in regards to a reduction in my credit limit that occurred as a result of the company checking my credit report without my authorization. This reduction in credit limit constitutes an adverse action and should require a new application. 

On XX/XX/2023, I received a letter from Barclays informing me that they checked my credit report and decided to reduce my credit limit. I contacted the company on XX/XX/2023 informing them that they had no right to check my credit report anytime they choose. I also inform them that it was against the law for them to decrease my credit limit without making a counteroffer pursuit to 12 CFR 1002.2. 

Barclays Bank replied on XX/XX/2023 that they were unable to complete my request. 
Federal law regulates how consumer credit information can be collected, used, and disseminated. Under this law, a company must obtain written consent from the consumer before accessing their credit report. In my case, Barclays did not obtain my consent, which means that they have violated the FCRA.
Product: Payday loan, title loan, or personal loan

My bank account keep showing up negative on my XXXX XXXX account.It wont link to my XXXX XXXX account or update
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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFBP take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the inquiries I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was told that I could upgrade my T.J.Maxx card by synchrony bank to one of their XXXX instead of just having a retail cart and when I called in to have it done I was told that I would have to reapply for a brand new card which was not explain to me I have had that car for over five years in good standings and I feel as though I deserve to be able to switch or do a product change from just having a retail card to also being able to have a XXXX associated with it
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are incorrect ( XXXX, XXXX and Experian ) are the ones reporting false information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one data breach and XXXX capital one sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 different accounts that I feel are showing up on my credit report in error and have not received a response from the credit bureaus. I have sent several letters to the credit bureaus to investigate these accounts. I started this process on XX/XX/XXXX initially to get this erroneous information removed from my credit report as it is inflicting serious damage to my score. I received a response from that dispute. However, I sent another letter to themXX/XX/21 and XX/XX/21 and received no response. I feel like my requests are being ignored and a proper investigation has not been given. There are clearly errors that I have pointed out in the letters that I have sent. It is my right to have my credit report present accurately and without errors. In addition to that, I have also been requesting that my personal information be updated. I have requested this several times. I do not want several variations of my name appearing on my credit report or several different addresses. I have expressed how my name needs to appear across all 3 credit bureaus and my current address and for good reason. With identity theft at an all time high, I think this is very necessary to help to reduce the chances of this happening to me. I feel like my rights are being violated and I want these issues to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX SECURITY BREACH HAS DESTROYED MY LIFE ... INACCURATE INFORMATION REPORTED ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to provide a personal statement regarding the identity theft incident that I have experienced. I recently discovered that my personal information has been misused without my consent, leading to unauthorized activities and potential financial and reputational harm. 

Upon noticing suspicious activities, I took immediate steps to investigate and mitigate the situation. I contacted relevant financial institutions, reported the incident to local law enforcement, and have been working diligently to rectify the unauthorized actions attributed to my name. 

I want to emphasize that I had no involvement in the fraudulent activities associated with my name. I am a victim of identity theft, and I am committed to cooperating with the necessary authorities and institutions to resolve this matter promptly. 

I have reported the incident to the appropriate credit reporting agencies and have placed fraud alerts on my credit reports to prevent further unauthorized access. I am also working closely with my financial institutions to ensure that any unauthorized transactions are properly investigated and resolved. 

I am fully aware of the importance of addressing this matter promptly and thoroughly. I have taken the necessary steps to safeguard my personal information and prevent any further unauthorized use. My goal is to clear my name and restore my financial and personal integrity. 

I appreciate the efforts of the Federal Trade Commission in assisting individuals affected by identity theft. I am hopeful that with your guidance and support, I can navigate through this challenging situation and emerge from it with a restored sense of security.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, my vehicle was repossessed by XXXX XXXX XXXX Speedy Cash. I was informed that on XX/XX/XXXX that it was sold but I have not received anything from them except when the vehicle was repossessed and on the XX/XX/XXXX when I spoke with someone at their office to find out what the cost would be. The original amount that I borrowed on approximately XX/XX/XXXX was {$170.00} and on approximately XX/XX/XXXX the remaining balance was {$150.00}. On XX/XX/XXXX, the cost was {$310.00} to pay off the debt. I still have n't been contacted by this company about anything, and I have been unable to get the rest of my personal property and tags and registration from them. I was under the impression that according to Georgia law that I should have been notified by certified, return receipt requested that it was too be repossessed and sold. At the time I got the loan, I did n't get a copy of the paperwork. I feel like I have been deceived by their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have submitted all required documents to XXXX and Equifax but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted XXXX  XXXX XXXX in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by Equifax. In the case of XXXX reporting on XXXX and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX - Americredit XX/XX/2020 - Americredit XXXX XX/XX/2020 - XXXX XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a fraudulent account on my credit report.I reached out to the creditor to request the account to be removed and they have not removed it.This are fraudulent account and needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2017 I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. <P/>A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX XXXX. <P/>For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I  have is a reference number # XXXX. <P/>I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. Because I am not a Wells Fargo customer and this was a cash deposit, it has been especially difficult. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. So far I have no indication that this will actually happen. I plan to get in contact with XXXX County District Attorney as well as the Wells Fargo Board of Directors.
Product: Credit card or prepaid card

I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express Platinum card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XX/XX/XXXXas an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the Equifax, XXXX and XXXX data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Product: Credit card

I had my identity stolen and the thief was able to use my identity to open two credit cards, a checking account, and a savings account with a Truist Bank Branch in XXXX. I reported this to the company and found on my credit report that a credit card had been fraudulently used to charge {$8600.00} to the card. The bank sent me a letter after a few weeks dated XX/XX/2023 but not actually delivered until XX/XX/2023 XXXX weeks later. The letter said I had a case open XXXX and I had 30 days to respond with all documentation needed. I worked until midnight and the next day XX/XX/2023 sent all the documents along with the completed affidavit to Truist bank using the envelope that was enclosed by the XXXX XXXX  XXXX XXXX. I just received another letter today XX/XX/2023 that is dated XX/XX/XXXX that says, " We have closed our investigation into your identity theft claim as Unconfirmed/Denied because we did not hear from you or receive the documentation we needed to complete our investigation within 30 days. '' The letter also states that the past-due accounts will remain in active collection status. I have contacted this bank over XXXX different times, I have a call log and notes from the calls. I sent the required documentation the very first day possible with all required documentation and I am still being held liable for identity fraud that this company did not do it's due diligence to prevent nor resolve. I am attaching a scan with the letters and documentation that was sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus about a collection ( ONLINE COLLECTIONS ) and have not received a response back or any results
Product: Credit reporting or other personal consumer reports

Hello, I XXXX XXXX am writing this letter because I am the victim of identity theft with respect to the specific debt related to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. On upon checking my credit report because I am looking to get an apartment. I realize that I had an account from your company that I never opened or came down or online to sign any paperwork for that account that was opened XX/XX/XXXX. After contacting your company on XX/XX/XXXX I was informed that payments were being made to the account through my mother who stole my identity, who is XXXX XXXX she is now deceased still payments were being made up until the time she passed away from her and its been a year since shes passed she passed away XX/XX/XXXX, which is why the account is now in a negative balance because like I said, I never knew anything about the account to make payments to the account. And I have filed my FTC identity theft report account number:XXXX  attached is a copy of that. and a copy of my identification, when my ID got stolen I to change the address to my mothers address who is XXXX XXXX because at my apartment complex our mailboxes were getting broken into so I had to use her address. And attached is a copy of a bill showing my current address. This has been putting a big financial impact on my credit for the last year on top of having my mother passing away from XXXX. This is not the only thing that she has put on my credit that Im trying to get removed as well. I really hope you guys consider taking this off of my credit because like I said is really hindering me and I had no knowledge of this account at all. Thank you And the company XXXX XXXX XXXX is not complying with taking it off of my credit because like I told them, this is fraud, and I did not open this account. And they block the account and then they open the back up on XXXX XXXX.