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

Hello there, I opened a XXXX card XX/XX/22. I proceeded to use the card and received my first statement via mail. I called the number on the back of the statement which is Comenity capital bank and made the payment over the phone ( this phone call should be recorded in their system ). I then received a phone call regarding the payment being late which i let them know it was already paid, and they removed the late charges during the phone call and said they would look into it. I then received another notice in the mail with a higher amount for a late fee. I checked my account and noticed i did not see a charge during the time period that i made the payment to Comenity bank. I gave them another call and explained that i attempted the payment and they mentioned there must of been a glitch or hiccup in their system. They mentioned they would have the late fees removed and i proceeded to make the payment again online with someone, during this same phone call i asked for the card to be cancelled as i did not want these issues to arise in the future. This issue falls on XXXX and their payment system. After many phones calls these late fees and a closed credit card has drastically impacted my credit. I urge that this issue please be looked at and removed as they stated this many times in the above phone calls that their system glitched during payment and all late fees would be removed.
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. 

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXXXXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX # XXXX, and Account XXXX XXXX XXXXXXXX, 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.

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.

The information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Great Team, and Thanks for willing to help me with this matter. 

Due to a conversation that I had with a close friend who were complaining about how much incorrect things she found in her credit report, I decided it was time to go check mine too, especially since she mentioned that it is now free because of to the pandemic. I was so stunned and devastated when I saw on my credit report a lot of accounts that I totally don't recognize. So far, I have sent more than 3 letters to EQUIFAX, XXXX and XXXX  asking to verify those accounts for me or even better, delete them as I did not recognize any of them. Same thing was asked concerning some inquiries that was made in my account without me allowing them. 
The first letter was sent on XX/XX/2021, so now it has been way more than 30 days, and they still have not sent me any response, let alone any document bearing my signature such as a contract with any of those financial entities, that I saw on my credit report. 
The worse is that the names used on some of those accounts are even not my correct name, and same thing for some of the addresses on file. After seeing that, I made sure I called EQUIFAX, XXXX  and XXXX as well to ask them to correct my name and correct all the false information on my file. Some have been changed, but they still have not corrected all of the incorrect information. 
I will include to this complain the letters that I sent to them.
Product: Credit reporting or other personal consumer reports

WRONG INFORMATION IS BEING REPORTED FROM CREDIT KARMA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct ChexSystems experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
Product: Mortgage

Pennymac failed to pay our insurance premium from the escrow account and our homeowners insurance policy cancelled with XXXX XXXX XXXX.
Product: Checking or savings account

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. The amount Ive been ripped from exceeds XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 4 ) Congress states Equifax ( the consumer reporting agency ) has a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report., Equifax is in direct violation to 15 USC 1681a ( 2 ) ( B ). Equifax violating Federal law is not fair, inaccurate, not equitable. I a federally protected consumer and a natural person does not find value with my consumer report. That is what accurate means. I do not benefit from this direct violation of federal law that is what equitable means. This is impairing the banking system and undermining my confidence in the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX  XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

XX/XX/22 - {$200.00} sent from my XXXX to a fraudulent recipient. I called Bank of America immediately ( within seconds of the transfer at XXXXXXXX XXXX  ) to let them know the situation and they told me they cant do anything other than open a case which can take 90 days to look into and they will likely be unable to get my money back. I was sent several fraudulent emails from someone who was impersonating XXXX and Bank of America saying that I had to transfer money in order to get my account activated so they could then purchase something I had posted on the XXXX XXXX. I was scammed and the bank basically told me Im out of luck.
Product: Debt collection

Portfolio recovery is attempting to collect a. Debt that is to old to collect on. Statue of limitations ran out. They refuse to remove if as of XXXX/XXXX/2022
Product: Money transfers

Pay Pal fraudulently withholding my funds after randomly closing my account without explanations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a international transfer using WorldRemit application. I sent XXXX dollars using my XXXX XXXX Account ( XXXXXXXX XXXX ). The app charged me XXXX dollars for the transfer. The transfer was supposed to be directed to my debit card account in the XXXX XXXX with XXXX XXXXXXXX XXXX. However, the money never got to my account. It has been more thank 2 months, I have called WoldRemit and all they keep telling me is that they working on it. Sometimes I receive email from them saying that the transaction was paid off, and that they case would be close. Then, I proceed to call them and they tell me they working on it. Also, they said that there is discrepancy by one number and the bank account that I provided with the statement. However, I have used WorldRemit before and my info/contact is saved. All I had to do was select the amount that I wanted to send and picked the account that has already been saved and used before. They sent me proof of payment. However, XXXX tells me that they never got the funds. I filed a claim wiht both banks XXXX in XXXX and XXXX in The XXXX XXXX, however, both cases worked on worldremid favors. XXXX bank told me that I authorized the transaction ( which I did ), and XXXX XXXX tells me that they never recieved the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX - report to Experian that my identity has been stolen ( stolen XXXX/XXXX/XXXX ) and used to open three fraudulent accounts ; XXXX XXXX XXXX, XXXX XXXX, XXXX I opened a dispute to have these removed as well as all hard credit inquiries of which there were eight. 
I reported to my local police, I was advised I had a Security Fraud Alert on my account for 90 days, it could be extended to 7 years once I submitted the police report. This would carry me until XXXX/XXXX/XXXX with the fraud alert. 
On XXXX XXXX, XXXX, Experian allowed another hard credit inquiry from XXXX XXXX, unauthorized and fraudulent once again. I received numerous ( urgent ) calls at my place of employment from XXXX XXXX trying to verify my intent to open an account. 
I have been on hold with Experian for 52 minutes, because I am not allowed to open a dispute online, I must navigate their web of confusion. 
Oddly, an account can be opened online, with no proof of who you are, however I 'm not allowed to dispute a fraudulent account online. 
Experian has failed and I 'm not able to get through to them because their lines are super busy because - well, there has been a breach with another credit reporting agency XXXX, perfect definition of irony. 
What really needs to happen seems so simple - allow consumers to open lines of credit when they are fully able to provide proof of who they are, with picture ID, in person. Something perhaps like what is required to prove you can work in the USA, complete an XXXX and provide originals of the documents required.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and discovered that XXXX credit is reporting my credit limit incorrectly with Transunion. My credit limit is being reported as {$0.00} when infact my credit limit with XXXX is at least {$17000.00}. XXXX credit 's website shows that my credit limit has increased to {$17000.00}. Please update and correct this account 's true credit limit. Thanks Also I am NOT known as XXXX XXXX or XXXX XXXX as it is being shown on my consumer report by Transunion. I am ONLY known as XXXX XXXX and that is the name that appears on my state issued ID and drivers License.
Product: Credit reporting or other personal consumer reports

There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late
Product: Credit card or prepaid card

I have a XXXX XXXX card through Comenity. Their site has been non-functioning for XXXX days now. Multiple complaints have been reported online to their social feed, nobody will answer a call at their call center ( get a recorded message saying they're working on it ). 

I don't want to be charged fees when I'm trying to pay off the balance as soon as a balance is created. This is causing an issue with all their customers.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to fix the issue with Kikoff app. They have not fix the issue with me as a customer. The app has been locked for several months, making it impossible to make any interactions with the account. And yet they continue reporting as if my payments are delinquent. My on time payment has been 100 %. Thousands of dollars on time payments. Why would I let {$20.00} a month affect my credit score. To resolve this I need the to give me access to the account and remove those delinquent payment from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time Equifax or the other two credit reporting agencies send me emails. " Improve your credit score with a new credit card with lower interest rate ''. When I do get a no interest card to consolidate, They always lower my score by many points because they only take the adding of a new Card and a new balance of the new card. They never give you a better credit score by ending the balance on the old cards. Why do they get to make money off of you getting the new card they say you should get, when it lowers my score and takes me months to get my score back where it was before they said it would help improve my score? Please try to send this to someone if your org. can't stop this false money grab they are doing. I am sure I am not the only one this happens to. 
Thank, you, be safe XXXX XXXX
Product: Vehicle loan or lease

I was laid off XX/XX/XXXX but started working again on and on XX/XX/XXXX. On XX/XX/XXXX, I contacted Toyota Financial Services ( TFS ) requesting assistance and received a deferment. After noticing that I need more time, I contacted TFS prior to 30 days requesting another 2-month extension. The representative set up the deferment fee for XX/XX/XXXX and explained this was the latest date that I can submit before it affects my credit rating. This was important to me because I did not want my credit affected especially while I was in the process of refinancing my home. 

During the first transaction, a payment was processed immediately. The second payment was set up for a draft which I was later told I should have sent the agreement back signed. According to Manager XXXX, who's reasons for not removing the delinquent mark changed stated that the agreement does not state that if I do not turn the form within a certain time period TFS will report you to the bureaus. She explained that the program is set up for delaying payments not protecting your credit. My concern that I was NEVER told my credit was in jeopardy until today. I also asked XXXX to send me the 2nd signed agreement which states that I had until XX/XX/XXXX to send in the agreement. TFS is refusing to remove the 30 days late.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the XXXX and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with Spectrum they furnished my information to XXXX XXXX Communications which then furnished my information XXXX, all without my written consent. below i attached a dispute letter to further explain the laws being broken, i demand a deletion at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX CXXXX STATES 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 CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXXXXXX XXXX Bankruptcy. Reference # : XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

TransUnion, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ) XXXX XXXX  under the account number ( XXXX ), XXXX XXXX  under the account number XXXX ), XXXX XXXX under the account number XXXX ), XXXX XXXX  under the account XXXX XXXX ) I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Product: Debt collection

I was hospitalized in XX/XX/2017 and sent home the next day. Was rushed back to have to get XXXX XXXX, XXXX XXXX removed from my XXXX. Hospital stay was over 30 days and when I said I was suing the hospital for sending home with XXXX treatment, I never received a bill. I checked my credit and multiple debts are on my report some twice or three times repeated, I also have inquiries that are unauthorized and Im unable to get updated scores after calling and faxing in information.