23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My online access was somehow compromised and dozens of transactions were made that was not done by myself or my wife including but not limited to XXXX XXXX, chase freedom, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and every other account on my credit profile the bank has been unwilling to help me or give me any money back for the fraudulent charges/changes to my account and is totaling approximately around 12- {$15000.00} and have been dealing with this since XXXX of 2020. Which has forced my to get loans to cover bills occurred in order to salvage my credit at the same time fraud had been actively involved on my account from XXXX through XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration regarding the failure of Equifax to open an investigation into my recent disputes, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation, my disputes have not been adequately addressed, which is a clear violation of my rights under the FCRA.
Product: Debt collection

I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX who is an affiliate of Credit Acceptance Corporation to inquire about a car loan. I was told that if tried for a loan there would be no impact on my credit as I have low credit and been a victim of identity theft. It was a lie as my credit went down XXXX points and got XXXX different inquiries on my credit for which was not advised that this will happen. Also the dealership kept adjusting the loan amount, the deposit amount and they even added a warranty without my consent as they claimed that it would get approved for a higher loan. I was pressured into the signing for the loan even though I was asking for questions about the loan which the dealership gave mixed messages, I also didn't feel comfortable electronically signing the loan as I wanted to write all right reserved, without prejudice and without recourse. I was left with no choice but to e-sign and I signed the acknowledgment of my e-signnature with all rights reserved without recourse and without prejusdice. I was never given any disclosure about the loan and about all my rights as a consumer, especially rights to rescind the contract, right to opt-out, all that by law is included in the finance charges and that no deposit is required for a loan as it should be part of finance charges. I was never given any information about the loan, terms, finance charges, my rights as a consumer. None of the information within the contract was explained to the and when asked questions the dealership didn't have any explanation. I was asked to give a down payment of {$4600.00} which I did in cash. After asking several times for a receipt I was never given a receipt. I left the dealership without a car and without a copy of the contract I had just sign. In fact to this day I do not have a copy of this contract that I signed. The loan was immediately assigned to Credit Acceptance Corporation when I signed for the loan. I was given the car on XX/XX/XXXX and shortly after the car started shacking and making noises. I took it to my mechanic and was told it has a faulty motor, needs XXXX rear tire, both rear wheel bearing, rear shock and balance for all rear tires, the front bumper is falling off. I was deceived into buying an unsafe, mechanically unsound and faulty car. I was deceived into signing a loan for which I didn't get a copy to review prior to signing, I was rushed through the process. I was taken advantage due to my credit situation and my need for a car and the dealership and Credit acceptance bank took advantage by selling an over priced car and having high interest rates. I have sent as of today XX/XX/XXXX my recession to the contract to Credit Acceptance Corporation as I was entered into there was fraud, deceptive, unfair and coercive actions that took place in the transaction. 
it is also worth mentioning that Credit Acceptance Corporation was sued by Massachusetts attorney general due to their deceptive and unfair business practice and other violations and a settlement was reached in XXXX
Product: Credit card

My bank was charged twice for the same amount of payment on XXXX separate occasions. Because I paid ahead of time due to overuse of the card, Venture card automatically charged me for the second payment on the date of auto payment. Spoke with the XXXX on Tuesday / XX/XX/, and told me I only had 30 days to report the discrepancy. I was late XXXX hours due to some circumstances and but tried to call them XXXX hours earlier but their office was closed on weekend. She blamed me for paying in advance and not notifying them. I was not aware that their auto system will not recognize my early payment as I only acted as good customer not to overuse my card and be responsible to cover the charge as soon as possible. My spouse assisted me in discussing with her the situation but she continuously been screaming and blaming me for the advance payment i made. She was very rude, condescending and unprofessional in her manner discussing the issue. Very loudly objecting to my grievance and continuously talking over me as I tried to explain my well-intended actions. For a senior citizen like me who struggling to make a living, the amount that they took away from me was part of my living resource and this company never intended to correct this matter and yet still blaming a responsible and honest customer like me. Venture Card notifies me when its time to pay to pay the card but did not notify me when when they double charge my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 after obtaining my credit report I contacted Experian Credit Reporting Agency via phone call regarding inaccurate information on my  report. Errors such as variations and misspelling of my name, addresses that belong to family members that i have never resided with and addresses i have no association with at all. In addition to inaccurate and outdated remarks, payment statuses and history on accounts that have been included in a bankruptcy that has been discharged, i also found unauthorized inquiries. The first representative i spoke to advise me that they do not investigate inaccurate information and i needed to contact the federal trade commission. I asked to speak to someone in a higher department who than said that some of the information can be disputed but not all. After some back and forth she agreed to transfer me to a department that handles disputes and was going to take care of my concern after she places a security fraud alert on my file. I resisted and she insisted that was the only way to dispute the errors and transferred me to a representative who than informed me that a security fraud alert has been placed on my report and that i needed a police report and i can not file a dispute. I ask to speak to a manager and one wasn't available although i was willing to wait how ever long.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX has violated my rights. 

2.XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Capital one overcharged me all these fees I got a car for {$300.00} and they charge me $ {$680.00} in fee and it dropped my credit score and with XXXX the last like XXXX years I disputed things that I know XXXX paid for and nothing goes off my record. I believe they fight disputes. I feel like they ignore them and sadly and financial crisis since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan consolidation which required that payments be suspended during legal negotiations. This loan company was referred by the original lender and I had not missed any payments. The loan consolidation process began in XXXX of 2018, for the amount of {$8300.00}, and I have a signed document attached from XX/XX/2018, affirming the loan consolidation was authorized as agreed. After the loan consolidation was complete the late payments showed on my report so I contested them starting on XXXX of 2018 when I became aware of the late payment being reported. I confirmed with both the original lender Prosper , Inc., and the loan consolidation firm XXXX, Financial, that I should disregard the late payments being reported and it would all be taken care of once the loan settlement negotiations concluded. I was informed to sign a power of attorney agreement to facilitate this process, which I completed on XX/XX/XXXX of 2018. I have included a copy of such an agreement, as well as copies of all other emails involved with the loan consolidation process. 

I have made repeated contact with Prosper and XXXX XXXX, in each instance they affirmed that the issue would be taken care of. I also hate a letter from XXXX certifying that I have made all payments for this loan on time. Prosper 's reporting of payments as late even after the loan consolidation process completed on XX/XX/XXXX of 2018 demonstrates they were acting in bad faith and either willfully or negligently reporting information regarding payment information. There is XXXX legitimacy to any claim of late payments by me after that date, as XXXX XXXX had officially claimed ownership of that loan balance on that date as certified by the email, and all my payments to them were on time. 

I attempted to correct this with XXXX, XXXX, and XXXX, and have waited for over a couple years now, but so far no corrections have been made. Therefore, I am talking action here to get the issue corrected as it is a strong impediment to my financial opportunities.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit file as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the immediate removal of fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$950.00}
Product: Debt collection

Technically this was not identity theft and that is what is the crux of this issue. 

I had this XXXX XXXX account as a starter card to rebuild credit. The max was {$300.00}. In a few months I received a letter asking me if I had moved and gave my " new '' address as in Louisiana Do n't live there, never been there. After working with the credit card company who could see that someone in Louisiana would run it up then " pay '' it off and charge up again before the payment bounced. 

After they investigated, they sent me a letter stating the account was all fraudulent charges and the account was closed. This account was in my previous name, XXXX XXXX XXXX. 

I never heard from them again ; not by phone or email or letter. Suddenly I 'm getting collection letters. XXXX companies tried to collect this " debt '' and instantly gave up when I would sent the letter from XXXX XXXX. This company, however, is not understanding the issue. They are asking for police reports and notarized identity theft papers. This was not identity theft. The letter I sent shows I owe nothing. Their threats in the letter are the usual and just before lodging this complaint I called this collections agency and said I would give them one more chance before I filed a complaint and all I got was attitude and attacks on my credibility. As promised, I am lodging this complaint.
Product: Credit card or prepaid card

I used my credit card to pay for an order with XXXX. I thought I used the wrong card so I called to cancel/dispute the charge. The charge was reversed and the money went back onto my card but then someone at suntrust sent the money again without my authorization. I had sent the money using a different suntrust account. So alibaba got paid twice. XXXX is saying the case is still open and suntrust just needs to get the money back on their end. The charge back is frozen. suntrust is saying the case is closed there is nothing they can do. This total amount of charge back is {$6300.00}. That is a lot of money that I have been missing since XX/XX/XXXX, XXXX case # XXXX and case # XXXX
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX on XX/XX/XXXX stating that an account was in collections in my name from Comenity Bank for {$610.00}. I contacted the bank, since I'd never heard of them nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXX with my name living in another state. It was paid on a couple of times before Comenity sold it to XXXX XXXX for non-payment. I was told that I had to state my case solely with XXXX XXXX. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. Comenity Bank placed a delinquent account on my credit report and say they can't remove it because they sold the account to XXXX XXXX. XXXX says they can't remove it because they didn't place it. I have many complaints about this with XXXX and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from XXXX XXXX XXXX stating that this isn't my responsibility. I want this fraudulent information off of my credit report.
Product: Checking or savings account

My XXXX  savings bank, Bread Financial doing business as Comenity, in all its wisdom, has restricted my account while I'm XXXX  and prevented me from paying my bills. After speaking with a customer service XXXX a week ago, she assured me I would still be able to call the bank to make withdrawals and deposits. Today, XX/XX/year>, the bank hangs up on me when I enter my account number and instead gives me their fraud department number to call. When I call the fraud department, they hang up on me!! Only a bunch of geniuses ( i.e. their XXXX Department ) would restrict my account for trying to pay my own bills. XXXX assured, when I regain access to my account, every dime in the account will go to a competitor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am saubmitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA 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 XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

THIS INFORMATION THAT ON MY CREDIT REPORT =XXXX XXXXXXXX XXXX ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX STEMS FROM ME BEING A VICTIM OF XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS INLIGHT OF SECTION 605 C OF THE F.C.R ACT THANKS FOR YOUR HELP AND UNDERSTANDING
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX fraudulent activity with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nj XXXX ( XXXX ) XXXX. I didnt authorize XXXX XXXX salesperson to use my stolen NJ drivers license XXXX and my stolen SSA number XXXX in any contract inside the dealership. XXXX XXXX XXXX had stolen my drivers license in XX/XX/XXXX. I didnt have any physical drivers license in my possession to obtain any car or a job in XXXX. How can I get a car without a driver license? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX is whom I went in person to report XXXX XXXX XXXX to in XXXX. Also FBI XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX was made aware in person in XXXX. They are outside and has this XXXX XXXX wiretapped since XXXX this second XX/XX/XXXX at XXXX XXXX. ( XXXX ) XXXX contact them about XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX or XXXX XXXX police dept XXXX XXXX XXXX or XXXX XXXX, XXXX has this case contact XXXX XXXX XXXX, XXXX XXXX, Nj XXXX ( XXXX ) XXXX. I was told she has my drivers license in her possession since XXXX XXXX XX/XX/XXXX, per the FBI office XXXX bureau.
Product: Debt collection

I sent the naval federal credit union statements showing late fees and they have not confirm receipt as request and they keep stating i have not provided any or responded to their request when I have more than once and I more than one, the change the credit term about a loan I requested, they have done nothing to get the unfair reporting to the credit company which has been add to my account
Product: Debt collection

I received online notification from all three credit bureaus on that ENHANCED RECOVERY COMPANY place a Collection account on my credit report in the totals of {$63.00}. I do not have an account or agreement with. ENHANCED RECOVERY COMPANY. ENHANCED RECOVERY COMPANY violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.
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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Amex : 1. erroneously took away my sign-up XXXX Membership Reward points when I had to rebook a flight XX/XX/XXXX ( new flight was charged to the very same card XX/XX/XXXX to replace my cancelled flight ) and 2. fail to reinstate them as of XX/XX/XXXX even after unhelpful three online Customer Service chat sessions ( last session XX/XX/XXXX ) plus one Customer Service call .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and are fraudulent and need to be deleted ASAP they are affecting my life
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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Summary of Issue : Citi Credit Cards is taking double payments by not showing current payments scheduled for the credit card. This happened once earlier this year. The resolution was to call my bank and dispute a payment. Now it has happened again and I can not even get in contact with someone at Citi. I believe that their XXXX app is purposely designed to be deceiving after this has happened to me multiple times. I would like other consumers to know of this tactic by this company as they do not want to resolve this issue. 

This happened on XX/XX/2020 {$3500.00} Payment 1 {$3400.00} Payment 2 - had to cancel via my bank XX/XX/2020 {$2400.00} Payment 1 {$2300.00} Payment 2
Product: Debt collection

I get calls all times of day and night sell my loans to different Leanders and not telling me and report miss information to the credit unions