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

Following 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 accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several phone calls, letters and disputes the fraudulent inquires on my credit report remain. Please see the inquires below in question. I am not sure how this is able to happens since there is a credit freeze and fraud alert on my credit report. No one should be able to pull my report. 



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
Product: Vehicle loan or lease

Someone stole my identity and used it to create a joint account and obtain an auto loan on a XXXX dollar vehicle which had a XXXX interest rate. I would never do such a ridiculous thing. On XX/XX/XXXX  I called the company ( Predatory lender Ally Financial ) and requested that the account be closed. I also filed an FTC report and disputes with all 3 credit bureaus. I was questioned and made to feel as if I was a suspect. Ally Financials ' fraud department then told me after a line of questioning that an investigator would reach out. The investigator XXXX XXXX called me the next day, but I missed the call. I tried to return the call the next day and the following days but was always told she was in a meeting, or she was busy. I am very nervous to speak with her because, after my initial contact with Ally Financials ' fraud department, it was like they were there not to help but to disprove my claim and keep me on the hook for this fraudulent account that has wrecked my life.
Product: Credit reporting 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card or prepaid card

I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was  given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.
Product: Credit card

Dear CFPB Representative, I am filing this complaint regarding finance charges applied to my credit card account with Comenity Capital Bank. I was enrolled in an 18-month deferred-interest promotional plan, but I was not made aware that the promotion had an expiration date. As a result, I was unexpectedly charged accrued interest when the plan expired.

I do not recall receiving any clear communication from Comenity regarding the exact expiration date of my promotional plan. If I had been fully informed, I would have ensured that the balance was paid off before the expiration to avoid these charges. When I contacted Comenity to dispute this, I was told that the charges were accurate and could not be removed. However, I believe the lack of clear notification about the expiration date led to this unexpected charge.

Key Points of My Complaint : I was unaware that my deferred-interest promotion had a strict expiration date. 
Comenity did not provide clear or sufficient notice before the expiration.

I have been a responsible customer and would have paid the balance in full had I known. 
I requested a reconsideration of these charges, but Comenity refused.

Requested Resolution : I am requesting that Comenity waive or reduce the accrued interest charges as a goodwill adjustment, given that the expiration date was not clearly communicated. Additionally, I would like Comenity to improve its disclosure practices so that customers are fully informed about promotional plan expirations.

I appreciate your time in reviewing this matter and look forward to your assistance in reaching a fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was on a dating site called XXXX, I met a fake investor I fell for, ( the butcher pig scam of XXXX ). I lost the disputes with my credit card, XXXX XXXX. And XXXX  XXXX XXXX. They did not reverse the credit card like most stores do .because crypto is a one way transaction. A fake site was on XXXX XXXX XXXX XXXX. They won't help. Crypto .com n XXXX XXXX won't go after the thieves. And the XXXX XXXX police dept. Won't go aft. Not even freeze the wallet .the FBI I have not heard of. I wan na sue. Crypto.com.for ties to XXXX. Crypto com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the TV news channel that let crypto .com pretend there a American company, including XXXX XXXX XXXX actor for endorsing them.
Product: Checking or savings account

I was supposed to receive my paycheck on XX/XX/year> but did not receive it. I called Capital One on XX/XX/year>, and they could not tell me what was happening. Today is XX/XX/year> and still no paycheck in my bank account. I'm a single mom and I live paycheck to paycheck.
Product: Checking or savings account

I have had a relationship with Capital One for several years, including their 360 Checking Account service, for which my primary use was depositing money from my XXXX  account ( XXXX XXXX ) and paying off credit cards across different banks. 

My source of income is working as a XXXX XXXX  residing at the time in XXXX XXXX for XXXX. 

In XX/XX/XXXX I received a XXXX payment in the amount of {$50.00} from XXXX XXXX. This payment was in exchange of a service using the XXXX platform from XXXX. In the same month I receive additional 4 payments using the service. All individuals I am not acquainted with, yet for which I provided in lue payment. 

On XX/XX/XXXX, Capital One unilaterally reversed the payment from XXXX XXXX without any written notification or explanation. At the same time freezing my account and my ability to withdraw funds. After reaching out to customer support I was told the account is under investigation due to fraud, without any disclosure of further details. 

From XXXX, XXXX until XX/XX/XXXX I have constantly reach out to support and their customer protection department, where my account was being investigated. There has not been any information provided, nor of the nature of the investigation, nor I have been questioned or asked to provided any information on the account. The only thing I was told was the bank decided to close my account, and the funds will be deposited into my account on file with the bank XXXX. 

On XX/XX/XXXX, the account had a balance of {$5600.00} and a withdraw transaction with the totally took place by the bank. After reaching out again to the bank, their only answer has been that I the account has been closed since XX/XX/XXXX and I won't be receiving the funds ( the funds had not been sent to my account, nor a check issued with the balance ). 

Transactions : XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$50.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$100.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$4.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX XXXX, {$100.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX, {$160.00} XX/XX/XXXX, XXXX XXXX received from XXXX XXXX Reversal Effective : XX/XX/XXXX XX/XX/XXXX, Withdrawal, Electronic Transfer, XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : XXXX. Immediately remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 
XXXX. Refrain from accessing my credit report in the future without my explicit written consent. 
XXXX. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again. 

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within XXXX  days, as required by law. Failure to resolve this matter could result in further action.
Product: Debt collection

I found out this year that I'll get a wage garnishment, I did not know it was for a credit card, i thought it was for my child support. So they took money from my work, then they took money from my bank. They won the judgment to small claims in XXXX county Nebraska and the judgement does not usually go beyond XXXX dollars. They took XXXX dollars total in wage garnishment, then they took money from my bank worth XXXX on my one account then XXXX which total to {$4100.00}. This is not justifiable. I do not know if I owe this money to begin with since I was out of the country when the judgment was made. XXXX XXXX is outrageous and unreasonable and taking more money and will not stop taking.
Product: Credit card

Home Depot offered a 5 % discount for purchases with their Home Depot Brand credit card. After acquiring the card for only a short period of time the offer was canceled without any notice to consumers. This is a deceptive sales practice to lure consumers to obtain a Home Depot card that does not provide the promised benefit. 

The whole situation seems shady. There was nothing in writing to indicate a 5 % discount. The consumer had to ask for it each time a purchase was made or it was not offered, you were required to tell the cashier in every occasion or no discount was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

As amended by Public Law 111-203, title X, 124 Stat. XXXX XXXX XXXX XXXX As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p. 

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 


how does this collection give me an opportunity to pay it no names whom it from just a collections FCRA violations 4 collection accounts Total balance : {$520.00} Original creditor : {$44.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$44.00} - Payment Info Original loan amount - Balance {$44.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX  XXXX, XXXX, GA, XXXX Original creditor : {$13.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$13.00} - Payment Info Original loan amount - Balance {$13.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX Original creditor : {$44.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$44.00} - Payment Info Original loan amount - Balance {$44.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your Equifax Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to Equifax. Dispute with Equifax Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, Equifax, and XXXX credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$990.00}. This account is currently showing as a collections account on all XXXX of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or receiving these funds in any form or fashion. I do not believe this account belongs to me, and I demand it be removed from all XXXX of my credit reports immediately. 

I have attempted to reach out to your company by phone on several occasions but have not been able to speak with any representatives. Therefore, I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me.

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XX/XX/year> ; 31 days after my initial letter was received by XXXX XXXX XXXX. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed account below has not been removed from my credit report.
Product: Credit card or prepaid card

My debit card was stolen along with my ID and information related to a former vehicle I had. A charge was made for nearly {$1200.00} by merchant " ewing bros ''. I went to the bank and submitted a dispute through them as fraud charge. The bank sends me a letter refusing to honor my claim since the merchant was able to respond. The bank did not provide me with a way to dispute The documentation submitted by the merchant unlike most banks. The bank also refused to activate a new debit card in the mail which they sent me. I feel as if the bank is ignoring me and disregarding me as a customer for some merchant who is local.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Names XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX My only name XXXX XXXX My only address XXXX XXXX XXXX XXXX XXXX florida XXXX My only date of birth is XXXX My only XXXX is XXXX  You are required to do what I am asking and block the following personal XXXX from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Credit card or prepaid card

Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent information CLEARLY states that problem still existed after he left and he was contacted at least 3 times to repair the issue, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I called Citicards many times requesting to talk to an investigator, they take my contact number and tell me that someone will call me back but on one ever does. I am beginning to feel that Citicards doesn't really have an investigation department!!! So, I had to resort to this method to get my money back before I file a legal case