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

I received a US Direct Express card and it was an over payment from the government and wanted this money returned to the government ; however, when I went to retrieve this money I couldn't use this card. By some strange incident I received a text stating that my card would arrive the next business day, Tuesday XX/XX/2019 via XXXX to XXXX, FL, which it was delivered there and left by the driver on the front porch as noted in my text from tracking the card,, but I live in XXXX, FL??? I immediately called Direct Express who cancelled that card and sent me out another one, yet the card I received is again saying this is an invalid number. Although this has happened before and I called Social Security and reported that someone was attempting to impersonate me and take my money, my sister made some changes to identify me, but when I called I was told that no changes had been made. I believe that there is some inside fraudulent going on at Direct Express, to help others that maybe experiencing this same ordeal and not receiving their money. I have changed my account to a bank so I'm no longer affected by this, I just want it on record that I was trying to return the XXXX back to the government and someone inside Direct Express is bent on getting this money and probably a lot of others ' money also and having Social Security replace this money as they told me they would do, if I didn't receive my money, which I did ; however I and was hoping to return the money that the government put on the card, hopefully you all can get to the bottom of this scam that is going on inside Direct Express ( the card number I will provide is the one that was sent to me but it says it's not valid )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been a victim of fraud which has affected my credit reports with the following credit bureaus XXXX, XXXX, and XXXX. The agency Robinson , Reagan & Young, PLLC is reporting as a collection account with a balance of {$420.00} past due as of XX/XX/2022. I have sent continuous verifying letters to this company, and they have continued to send " verified information '' that the account is mine without adequate proof that the debt actually belongs to me. I was not the person who opened this account with the original creditor XXXX XXXX XXXX. They have continued to violate my rights as a consumer by continuing to report this information on my credit report. They have not accurately verified that this account belongs to me nor has any of the collection agencies they have placed the account with been able to verify either. I am asking that you all immediately assist with rectifying this matter and getting these inaccurate items removed from my credit report immediately. Thank you
Product: Checking or savings account

On XX/XX/XXXX I deposited a check totaling {$3000.00} XXXX from a client into my Bank of America business account. This client had paid me the same amount, from their same account thirty days prior on XX/XX/XXXX. Bank of America released those fund immediately, the check cleared and there was no issue. 

For the check I just deposited on the 1st they put a hold on all funds and have refused to release any funds, not even {$200.00} or {$400.00} per their own policy on their website under, Deposit Agreement and Disclosures. On Monday the first I called the bank. I pleaded and asked them to delete or ignore the deposited check, which was deposited via their mobile app, and they said they couldn't see the check yet and to call in the morning. I called Tuesday morning, again pleaded and begged, asked if they could call and confirm the funds with the other bank because this was the same amount, check, client they had just released funds for thirty days before. Again it was denied, " nothing we can do. '' I went into my local bank teller and asked if I could close my account or do anything to get this check cleared, I know my client has the money in her account so why are they doing this? No answers, just no. 

Due to the hold, my account is now XXXX. A loan payment was sent back, I have over {$300.00} in {$35.00} fees that were processed after I deposited the check. I wasn't able to buy a car which as a single mother of XXXX girls, XXXX to XXXX in age, I need desperately. I was already preapproved and ready to buy when this happened. I have tried everything I can including reviewing, The Expedited Funds Availability Act of 1987, which clearly states I should have access to my funds. There is no legitimate or substantial reason they are holding these funds.
Product: Credit reporting or other personal consumer reports

ALLY FINANCIAL has an inquiry listed on my credit it XXXX appear that im being petty but i was a victim of theft, and this caused me to become frightne i have never applied for credit with this company. dated XX/XX/year>. im asking for removal of inquiry from credit.
Product: Credit card

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that are still reporting on my Credit Reports : GM FINANCIAL XXXX.
Product: Debt collection

My credit report contains inaccurate information. It reflects debts and liens that I don't owe. A recent UCC-11 search, which is a reliable public record check, confirms there are no such debts or liens on my name. This report serves as clear evidence of the mistake.

The Fair Credit Reporting Act ( FCRA ) protects consumers like me. It allows me to dispute errors and requires credit bureaus to investigate and fix them within a reasonable timeframe. I provided the credit bureaus with a copy of the UCC-11 search and requested the removal of these inaccuracies, but the following incorrect items remain on my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount : {$19000.00} XXXX XXXX XXXXXXXX XXXX Amount : {$8200.00} Original Creditor : XXXX XXXX XXXX ( XXXX ) Amount : XXXX DEPTEDXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX has an accident on their Lexis Nexis record that was my husband 's. I tried calling to correct and they told me that my XXXX  needed to be with me. I tried calling again with my XXXX  and they need me to upload their driver 's license or birth certificate to verify our identity as my child is XXXX XXXXXXXX. I already XXXX XXXX my XXXX XXXX SSN and DL # but apparently that's not enough. It makes me really uncomfortable to have to upload these items to fix an error that they made and to not have a physical location that we could go to instead.
Product: Debt collection

i sent letter of discovery to ic systems ( debtor ;  XXXX  which i have not used in years  ) (  first reported  XXXX  ) to verify debt, and have had no response &amp; gt ; 30 days.I requested copy of original agreement with my signiture, also requested copies of the original deliquency and any subsequent bills showing debt.. no contact from ic systems I filed complaint with all  XXXX    XXXX   XXXX   and   XXXX    disallowed with no information.
Product: Debt collection

XXXX XXXX XXXX XXXX.was the debt collector for one main financial. I have a court order. For them to garnish {$50.00} every 2 weeks they told my job that I have to pay 20 % of wages to one main financial I have a court order {$50.00} every two weeks my job garnished {$290.00} which isn't the court order I didn't even know XXXX XXXX XXXX XXXX.isnt collecting the debt anymore they never sent a letter to my address. I found out today because I got paid seen the wage garnishment of {$290.00} taken out my check. We have a court order that should be followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LIVID WITH THE COMPANIES! I NEVER DID BUSINESS WITH THESE COMPANIES AND I AM A VICTIM OF IDENTITY FRAUD. YOU ALL ARE VERY DISAPPOINTING AS A COMPANY AND YOU ALL ARE NOT DOING YOUR JOB FORREAL. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXXUnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX As a consumer by law this inquiry must be deleted immediately. 

XXXXUnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX  XXXX As a consumer by law this inquiry must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX ( THIS WAS ALREADY REMOVED BY THE XXXX OTHER CREDIT BUREAUS YOUR LACK OF INVESTIGATION PROPERLY I THE REASON WHY THIS IS STILL SHOWING ON XXXX! YOU ALL ARE NOT INVESTIGATING RIGHT AND YOU ALL ARE BREAKING THE LAW! ) XXXX XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT NAME : XXXX XXXX XXXX Date : XX/XX/2018 As a consumer by law this inquiry must be deleted immediately. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must delete any incorrect accounts from my credit report. These accounts have reporting inaccuracies. I should receive {$1000.00} for each error in my credit file.
Product: Debt collection

In XX/XX/XXXX i moved to a new residence that offered Cable tv but not XXXX ( satellite ) I had been loyal and always current with my payments to XXXX for over 10  years prior to moving. 
I called to cancel my service with them in XX/XX/XXXX at which point i was asked by the service rep to consider staying with XXXX which i declined since my new place offered Cable services instead. He then asked to put my account in suspension that way i could always return to XXXX if i chose to at a later date and again i declined. At this point my only responsibility was to pay off my balance and return any and all equipment which i promptly did. 
Fast forward to XX/XX/XXXX i notice a derogatory mark on my credit report dropping my score by 23 points. My account had been put into collections with XXXX XXXX XXXX by XXXX. Needless to say i was confused and angry. I lodged a dispute with XXXX credit bureau and called XXXX to find out what was going on. Apparently the XXXX rep chose to put my account on suspension and as a result i was being billed {$160.00} six months after i moved. They claimed they tried calling my cell # ( never leaving a voicemail to at least let me know ) and sent mail to my old address to inform me of this. Really?? And why would they do that knowing i had moved? They asked that i take it up with collections as they had passed it on to them. Collections asked that i settle the amount with them for {$85.00} or it would forever be on my credit report. 
This type of practice is wrong and should be looked into. What both parties want is that i settle with XXXX for {$85.00} but my account remains open and if i were to ever return to using XXXX  i would have to pay the balance of {$80.00}. BIGGEST SCAM going!! I WILL never ever recommend XXXX to anyone and i hope this type of practice gets investigated. 
One last thing ... anyone with half a brain should ask '' why would i ship all XXXX 's equipment back to them if only in 6 months of moving i would still want to use their services? '' Please someone look into this because they will continue to do this to people.
Product: Mortgage

Claim department I have forwarded my insurance claim money to the mortgage company and they received it on XX/XX/XXXX as yet XX/XX/XXXX they have not sent me the money that is owed to me and my XXXX. I call almost everyday and get a different answer. They dont communicate if information is missing, I call everyday almost. Mailed to the wrong address, returned, shredded and 5 days to reissue. That was the story on XX/XX/XXXX still not sent or receivedIm beyond frustrated, this has affected my health and well being I not only want this money forthwith I want something for the injustice and their lack of consideration and incompetence.
Product: Debt collection

Per the General sessions court I was served with a warrant and personally accepted service per the person that served the warrrant. 

I was never served and I contacted the company and was told that I accepted service and I was a XXXX XXXX male XXXX foot XXXX This is not acceptable as I was not served and had no opportunity to pay before I was garnished and now have a judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - Card Services Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These people keep showing up on my reports and I have no business or have ever had any business with these companies that are ruining my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments. in addition there are huge payment discrepancies between the 3 consumer reporting agencies. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate my consumer rights have been violated pursuant 1681. Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) states If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) Treatment of inaccurate or unverifiable information, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Vehicle loan or lease

The car was totaled, XXXX issued a payment over XXXX on XX/XX/19 to WESTLAKE FINANCIAL SERVICES. I purchased gap coverage through the finance company they issued a payment of XXXX ; leaving me a balance of {$1600.00}. I don't dispute that the responsibility lies on me. However I am being told i have late charges and penalties for not paying a XXXX or XXXX payment of {$490.00} and they will report this to the credit bureau as a repossession. If my car hadn't been totaled and a payment of XXXX was made no payment would be due for almost 19 months how am I late on anything. How are they threatening me? They are still reporting a XXXX balance on my credit report ; negatively impacting my debt to income ratio.
Product: Credit card

This complaint is against Best Buy Credit Services and Citi Cards. I opened a myBestBuy Credit Card through Citi Bank. Through my bank, I submitted a full balance payment to Best Buy Credit Services which cleared on XXXX XXXX, 2016, before the payment was due. However, I began receiving calls from a debt collector and received a letter from Citi Cards with a copy of my cancelled check for the full balance, asking me to provide information such as my account number, etc. The Citi Card letter instructed me to mail my response to a Citi Cards Payment Investigations P.O. Box, which I did. Over a month later, I am still receiving calls from debt collectors. The debt collectors calling me claim they have no access to the copies of correspondence that have been sent to me or a copy of the letter that I sent to them. They constantly transfer me to different departments and I have to wait on hold for significant periods of time before speaking to another person who can not resolve my issue. I have proof from my bank that I paid the full balance on a timely basis and I do not understand how Citi Cards and Best Buy Credit Services can, in good faith, claim that this matter is not resolved and that I owe interest. I am frustrated with their bad faith practices and want them to immediately acknowledge that I made full payment on a timely basis and that I owe Best Buy Credit Services and Citi Cards no interest.
Product: Credit card or prepaid card

In XX/XX/2020 I canceled my XXXX XXXX Citibank card as I never use it. I canceled the card when it was due for the annual renewal fee of {$95.00}. When I entered the account online it states that the card was canceled and the account closed. Confirmation letter is attached. 

Citibank at the same time was changing out the card for a new card number system with a new account number. The Citibank Associate I was working with reassured me that when I canceled the new  replacement card it would cancel the old card as both cards are associated and he was canceling both card numbers. Notwithstanding they have different account numbers. A copy of the account cancelation confirmation notice is attached, Ever since I canceled this card I have received harassing phone calls from Citibank demanding that I pay the Annual fee for the account that is closed.. 

CUSTOMER SERVICE REPRESENTATIVES I have waited on the phone line for 30 minutes - 1 hour to speak with a Customer Service representative to address the above mentioned issue. Each time I speak with someone they will state that the two cards are associated and one is the older card and the other is the new replacement card and the fee  is not payable. They always forward my call to another Customer Service representative until the third or fourth Customer Service representative when they drop the call. 

AUTOMATED HARASSMENT CALLS Almost daily I receive an automatic robot call from Citibank advising me that I must contact Citibank urgently to resolve the matter. The calls arrive always around XXXX SEVEN days per week. If I accept the offer to speak immediately to a Citibank Representative they request specific information from me. After providing the information I am informed that Citibank offices are closed and to call back at another time. 

EMAIL MESSAGES I receive emails monthly stating that my account is past due. I also receive emails every two weeks stating that my account payment is overdue. The account is closed. 

I AM A SENIOR. I AM AN ESSENTIAL WORKER I have tried in good faith to resolve this issue with Citibank with no success. I will not pay a renewal fee that is not due. 

I am concerned that many others who dont understand Annual membership fees are making the payment for accounts which are no longer active to this corrupt bank.
Product: Debt collection

This account does not belong to me. I have tried continuously to dispute it and it has yet to be removed. I have not received any information from this company Showing why Im being charged this. The company it was sold to has already removed their account but this original creditor still shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you have refused to verify this account 100 % as I have requested and disputed multiple times. I didnt ask Experian to update account XXXX. Experian you continue to respond to my request to verify this account 100 % with this account has been updated. I have sent three different certified mail letter with return receipt to Experian requesting for this account XXXX to be verified 100 %. This account to date XX/XX/2022 still has not been verified 100 % as requested. If Experian had verified this account XXXX as requested per the FCRA The Date Last Reported would have changed to the date you last investigated this account. The Date Last Reported has never changed since I have disputed this account multiple times over the past year and still remains the same date today XX/XX/2022. This doesnt follow Metro 2 code compliance. I have provided as proof, copies from three different months of consumer reports from Experian showing the Date Last Report shows the same date on all consumer reports and has not changed after any disputes or request which means that Experian did not investigate this account XXXX according to the FCRA requirements. I have provided copies of my three certified mail return receipt and three different letters from Experian stating that the account has been updated which was not my request to Experian. My request to Experian was simple verified this account 100 % which did not happen as of XX/XX/2022. DELETE this account XXXX because Experian did not preform a investigation which is a violation of the FCRA by not updating the Date Last Report as required according to the FCRA. Delete this account for FCRA violations not investigating because Date Last Reported did not change.
Product: Debt collection

National credit systems XX/XX/XXXX  I do not know what this is I did not authorize this
Product: Checking or savings account

I paid for an item through XXXX, the sender did not deliver the item. Then did not refund me. XXXX will not refund me. The bank will not refund me.
Product: Debt collection

I paid off a collection account in full to EASTERN ACCOUNT SYSTEM on XX/XX/year>, but the collection agency has not updated or removed the item from my credit report, even though it's been over XXXX  months. 

This continued presence is negatively impacting my XXXX XXXX despite fulfilling my obligation. I have contacted them, but the account remains. 

I am requesting that the CFPB help ensure the collection agency updates or deletes the item per XXXX XXXX XXXX guidelines.