23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Equifax recently issued prepaid XXXX debit cards to people as part of their data breach settlement. I received one for a whopping {$7.00}. I went to the website and registered/verified my card information. A virtual prepaid debit card for such a low amount is next to useless, so I tried to add to my XXXX gift balance, as that is something you can usually do with prepaid debit cards. XXXX tried to process this but said it was declined. I was shocked that XXXX wouldn't accept a XXXX so I called the XXXX XXXX XXXX number and asked why it was declined by the largest online company in the world. I was told that this particular card is only accepted by select merchants, something that was not made clear in the card information ; he emailed me the list of merchants and it's true, XXXX was not included. It is a very narrow list of merchants that will accept this debit card. Also, if XXXX wanted to request this card be converted into a physical card - something that would be much easier to use - there is a {$3.00} fee. So a {$3.00} fee taken away from {$7.00} would make this worth {$4.00} if you got a physical card. So essentially, Equifax chose the most inconvenient method to XXXX out these payments. They purposefully chose to do this as prepaid debit cards to make it harder for people to actually use this money. That is a whole other scam onto itself and deserves its own lawsuit. Plenty of other companies involved in settlements like this very easily issue their payments via things like XXXX, XXXX, XXXX, even mailing physical checks. Those are all easy to use and they are very clearly options for these companies as it happens ALL THE TIME. I've gotten payments from multiple settlements before and all were easily done via those methods I mentioned before. Equifax very clearly chose to do it in this insidious manner because they know the vast majority of people receiving these " payments '' thru prepaid cards won't even use them because it's so inconvenient to do so. It is almost laughable the lengths to which Equifax will go to make sure people do not use this money. The fact that this is connected a lawsuit about a data breach that probably caused a lot of people grief and money is insane. It's an insult to everyone, and it is sickening that it's allowed to use these scam tactics to pretend to right any wrongs.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also States a consumer Reporting agency can not furnish a account without my written instructions. 

15 U S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

chase bank remove XXXX dollars from my business account.then my account is stocked.I have a lot bill have to pay.And I was call chase at XXXX.But still no work.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have disputed the reporting of this account because it has been reported twice on my credit report. The company and all three credit report agency refuse to fix it. I need someone to help get this corrected. Please
Product: Money transfer, virtual currency, or money service

After using the service for some time to do some minor investments over several years, this company decides to lock my account for no stated reason upon trying to do any withdrawls. 

They requested that I verify my government Id, which I did, but their system automatically refused it. This gives me the vibe of fraudelant activity by this company and I have read up on it since and indeed they are often guilty of such affairs. 

I hope to get this resolved but I suspect that based on their methods of operation that they are not in a rush to resolve this matter. I hope to see my funds soon, because in these economic times I can not sit around and wait for such childish handling of other 's money to resolve itself.
Product: Credit reporting or other personal consumer reports

Please remove the following hard inquiries from my credit report since these items were not authorized. 
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
Product: Student loan

Requested XXXX XXXX  XXXX XXXX XXXX XXXX student loans be cancelled. Was approved but never received any documentation on when I was receiving forgiveness and the loans are still showing on servicers account page and department of education page.I was apart of a group discharge.Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024 mailed a letter tracker : XXXX. And On XXXX 29,2024 mailed a letter tracker : XXXX demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 2 months and one month ago with no response or deletion from credit history and its hurting my availability to obtain credit. I kindly ask to DELETE. Please Help, Thank you!
Product: Payday loan, title loan, or personal loan

I have dont everything I know possible to get this account taken off my credit . Mariner Finance  told me that once I submitted a police report, it would be taken off. That was done in  XXXX  of  XXXX . It is now  XXXX   XXXX ,  XXXX  and it is still on my credit. The branch  manager of Mariner Finance -   XXXX  - knows the account is not mine and has physically spoken to the account owner. I can provide bank statements that show I never cashed this check or even knew about it until  XXXX  of  XXXX . And since then, I 've been trying to get it taken care of. Wha t Mariner Finance is doing is illegal. My credit score ha s gone down SIGNIFICANTLY due to the amount of the loan and the delinquent/late payments.  XXXX  said the fraud investigation would take 30 days, then she said 60 days ... well now it 's been well over 60 days and still no response. By recognizing and acknowledging that account is n't mine, what they are doing is illegal. They can not keep someone else 's account on my credit. The check should have never been processed in the first place when my sisgnature and my phone number and my bank account were n't the ones used! Who does that?? Who allows another person to take out a loan that 's not written to them. If my name was on the check, should n't the loa n officer have b een alarmed when another person ( not me ) was making the payments?!?!
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. 
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 XXXXXXXXXXXX have 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 card or prepaid card

XX/XX/2019 I received two bills from Macys. one was regular statement the other was for an XXXX XXXX So I called and found out they transfered me to an XXXX  without my knowing it and said they sent me a letter. I never received a lettering stating this. I ask to have my Macys credit card that I've had for forty six years and they said no sorry we cant do anything about it cuz the letter stated this was going to have this happen. I DO NOT WANT AN XXXX. They said too bad it can not be reversed even thou I didnt know anything about it.Why should they be able to convert my card to an XXXX if I didnt want that. Macys is my card of choice.I view this as fraudulent practice. I never signed anything or saw anything about this. I just want my Macys card back! 
account # XXXX is my Macys  account # XXXX XXXX is XXXX I do not even like XXXX XXXX why should I be forced to take a credit card I never applied for?
Product: Debt collection

On XX/XX/XXXX, I received a letter from a collections agency about a utility account in XXXX TX. I have never lived in the state of Texas. I began to do some research and found 5 utility accounts on my credit in the same area. The first was Online information service, a collections company representing XXXX XXXX for {$800.00}. This fraud began XX/XX/XXXX. Another was XXXX XXXX XXXX, another collections company representing XXXX XXXX for {$500.00} in Texas. This account was opened in XX/XX/XXXX. Another is XXXX XXXX in Texas for {$540.00}. I have been disputing these accounts with the credit bureau 's. These are the accounts still on my credit. I tried to file with my local police department but they referred me to XXXX website. It is now XX/XX/XXXX and I am getting nowhere with these companies to get this issue resolved.
Product: Debt collection

Telephone calls everyday trying to collect on debt of someone who does not live at this address and that we have never heard of. In addition, we have owned this telephone number for over 11 years.
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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : 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

I received Fico score on XXXX XXXX, 2017 from from XXXX with derogatory information on my credit report Equifax. I filed a complaint two months ago with you about this and the inaccurate information was removed. The score has dropped from XXXX to XXXX in the month of XXXX 2017. I have done nothing to cause this drop on my account, and I was unable to get a response from Equifax. I would like this matter to be investigated and corrected. Why is this continuous fluctuation with my account happening when there is nothing changing? 96 points is a large number to be taken down in a month without proof that something caused this to happen. I hope that we can get this resolved in a timely fashion for I am trying to purchase a home and this inaccurate information may prevent that from happening. 

Thank you for looking into this matter for me.
Product: Checking or savings account

XX/XX/2022 someone did a atm withdraw for {$2000.00} XX/XX/2022 another withdraw at a different place for {$2000.00} XX/XX/2022 again for {$2000.00} XX/XX/2022 was the last withdraw for {$2000.00} The company JPMorgan Chase never reached out to me with all these withdraws considering i have never done withdraws like that in the last 8 years i banked with them. I never even been to those ATMs ever in the past. I was only alerted because my landlord reached out that the auto pay for the rent did not go through. My account was over-drafted and still no alert of the withdraws on my account. I reached out to Chase on XX/XX/2022 when my landlord notified me of no payment. Chase said they will investigate and resolve within 10 days. Today is XX/XX/2022 and i called them to see why i dont have my money back in my account for these unauthorized withdraws that someone stole from me and left me with no money to pay anything. They told me on the phone that the investigation is closed and i will not be getting my money because whoever took my money didn't make any mistakes with my PIN during the withdraw ... ... Now im left with nothing in a place i trust to safeguard my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I was notified through " XXXX '' that I had collections for a total balance of {$3800.00} that was assigned on XX/XX/2021. The company that is sending for collections is the phone company " XXXX ''. They have three different collection agencies trying to collect money from me. 
XXXX has " XXXX '' trying to collect, XXXX has " Source Recvb  '' trying to collect and, XXXX  has " Source Receivables Mng '' trying to collect. 

I have never had any accounts with XXXX in my entire life. I have had to resolve this similar issue earlier this year with a different collection. I hope to resolve this like last time. 

Thank you.
Product: Mortgage

XX/XX/2018 - Sent divorce decree awarding me the property and deed as recorded in courthouse. 
XX/XX/2018 - Paid my mortgage in full XX/XX/2018 - Bank sent escrow overage in the names of me and my ex-husband XX/XX/2018 - Spoke with XXXX and told her the problem XX/XX/2018 - emailed information regarding property to XXXX XX/XX/2018 - faxed same documents to where I was directed at XXXX XX/XX/2018 - mailed same documents to Ditech, LLC, Attn. : correspondence, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2018 - I received a letter saying their " research has not concluded. '' and of their " ongoing investigation. '' I've called several times to no avail. 
XXXX XXXX - Spoke to XXXX. She said she would escalate XXXX - XXXX. - Spoke to XXXX. Said he would escalate XXXX - Spoke to XXXX who is going to escalate. They offered to direct deposit into my account if I would give them my account number and routing number. I don't trust them to do that. I asked that they overnight a check. Refused. I asked for a manager. They said none are available. Help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Reference number XXXX According to the fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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. Is states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for Equifax, XXXX XXXX, and XXXX to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.