23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against XXXX, or not join I sent XXXX a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to XXXX, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to XXXX, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, XXXX will just add the name of the wrong person, to justify their entry. In this XXXX entry, XXXX  previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that XXXX will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.
Product: Credit card or prepaid card

I have an American Express XXXX XXXX credit card. I was told after spending XXXX in the first 3 months I would receive 100,000 points. I spent that in the first 3 weeks. I waited about 6 weeks and called to see why I have not received my points and I was told that I should have. Well guess after 3.5 months no points and 4 phone calls. One person started a dispute waited a week and then was told that was wrong so now I have filed a complaint. I was told it would be expedited. 12 days later I call and am being told I have to wait 3 more days. Everyone can see that they are supposed to give me 100,000 points but no one will do anything about. This is the worst customer service and I feel I was misled into using their product. I have put about XXXX on the card. I have other cards with them and have never been late. I just want my point and move on. I have spoken with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated account name and account # XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. this is ground for removal. they also violated my rights under 15 U.S.C 1681 section 604 A Section 2 ; The law clearly states a consumer reporting agency can not furnish a account without my written instructions. they also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( A ) ; The law Cleary states the credit bureaus have 5 days to notify me from when they receive my disputes. they also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). the law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit card

Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to report a serious incident of identity theft involving Comenity Capital Bank, where a credit card account was opened in my name without my authorization. 
In an initial interaction with Comenity Capital Bank, I was informed about an attempt to open a credit card in my name. I clarified with a representative that this was not an action taken by me, and they assured me that the attempt was recognized as fraudulent. They confirmed that no account would be opened, and no funds would be withdrawn. 
However, the situation took a concerning turn when, a few months ago, I was notified by another lender that an account had indeed been opened in my name and that there was an outstanding balance of {$680.00}. This was contrary to the assurances given by Comenity Capital Bank.

Key Incident Details : Company Involved : Comenity Capital Bank/Interval International Inc , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Account Opening Date : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Last Update on Account : XX/XX/XXXX High Balance of Fraudulent Account : {$680.00} For your reference, the account number associated with this fraudulent activity is XXXX. The account was reported to have a high credit limit of {$5600.00}, under a monthly term for 11 months, and was last updated on XX/XX/XXXX with a balance amount of {$0.00} and no amount past due. 
I am currently working with XXXX to address this issue and have been advised to file this report with the Federal Trade Commission. I request your immediate assistance in investigating and resolving this fraudulent activity under my name. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.
Product: Credit reporting or other personal consumer reports

I got 2 XXXX XXXX that is suppose to be in my brother name. One is from Truist Bank for a XXXX and the other is XXXX from XXXX. This has been negatively affecting my credit and has stopped me in the pasted from getting a new car and home. Additionally, there is a credit card from XXXX XXXX XXXX with a total balance of XXXX, that belongs to my XXXX. We are XXXX and were XXXX on the same day with the same XXXX XXXX ( XXXX XXXX XXXX ). However, we have different social security numbers to differentiate us. I had to make this report because there is too many inaccurate information for me to dispute from multiple credit companies. I can only do XXXX dispute every XXXX days or when the investigation is completed. Also, I should have no credit inquiries for the month of XX/XX/XXXX. That was not me. That was my XXXX. Please assist me on this matter.
Product: Checking or savings account

I made a bank to bank transfer with CITI BANK and it went through like normal. I tried to XXXX money to someone, and they locked me out the transaction and the account. Now their telling me I need a Account number or debit card number is the only way to verify myself. Which is the dumbest thing I've heard considering I MADE THE ACCOUNT YESTERDAY ON XX/XX/year>. It's XX/XX/year> the day I'm making this complaint. Disgusting customer service with a bunch of rude idiots XXXX XXXX XXXX XXXX English. Now there saying I can't go into a branch and withdraw my money? I need to wait for a code in the mail? I will do everything in my power legally to cause this bank grief. I've seen multiple complaints from customers saying the same thing. IF YOU SUSPECT THEN CLOSE MY ACCOUNT AND ALLOW ME TO WITHDRAW MY MONEY IMBECILES. AS if your debit card is the best way to verify yourself.
Product: Credit card

Over the last XXXX weeks I have attempted to login to my Synchrony TJMaxx Credit Card account 4 times to make a payment. I knew my payment was due and was worried about getting a late fee. Each time I tried to login I received an error that stated " We Apologize. 
We are currently experiencing technical difficulties and are unable to access your account. Please try again later, or contact customer service for assistance. '' I attempted to call their customer service line and received an error that " Our system is undergoing maintenance, please try again later ''. I had this same issue in XXXX of XXXX and I had a hard time getting the late fee waived, but a supervisor finally did. Now they are refusing to refund my late fee because their policy is XXXX late fee waiver in XXXX months, even though the late fee this time was caused by their system 's own issues. 
On XX/XX/XXXX I was finally able to get into my account. I found that I was charged a {$38.00} late fee on XX/XX/XXXX, which surprisingly is the due date of my payment. I am not sure how they are getting away with charging a late fee on the date the payment is due, or how they are charging a {$38.00} late fee when the CFPB implemented a new rule to reduce late fees to {$8.00} on XX/XX/XXXX. 
Also, I took a screenshot of the error I kept getting today, because surprisingly I got the same error again after I made my payment.
Product: Debt collection

Someone hacked my credit card and charged a number of XXXX charges, all for delivery to the same address in New Jersey. 

I immediately cancelled my credit card and wrote to XXXX at least four times in response to their bills, telling them these were fraudulent charges. 

XXXX has passed the debt on to a debt collector after I wrote them, and the debt collector mails demands for payment. The file # at the debt collector is # XXXX, and the debt collector is : Transworld Systems Inc. 
XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to XXXX, Equifax, and XXXX disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.
Product: Credit reporting or other personal consumer reports

Equifax remains in violation of code XXXX XXXX XXXX XXXX XXXX XXXX, which states a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

Equifax refuses to comply with the law, in which they didn't delete all listed fraudulent accounts no later than XXXX days, but instead simply updated each account with remark codes- reinvestigation in progress. THIS IS UNACCEPTABLE. 

PLEASE NOTE : A REINVESTIGATION IS NOT THE REMEDY TO IDENTITY FRAUD, DELETION IS. Equifax consistently violates my rights as a consumer and is operating in violation of XXXX XXXX. 

Furthermore, XXXX complied with all legal requests and deleted the fraud accounts listed, but still have not deleted the listed fraudulent Inquiries. 
Equifax refuses to delete anything, and XXXX is in alignment with Equifax on not deleting accounts & Inquiries.
Product: Credit card

I have a destiny Mastercard and Ive always had my payment info saved so automatic payments in the minimum amount needed would be taken out. I did this same practice with destiny Mastercard. They kept my card info on file and did not make the automatic payments as requested. Ive called multiple times regarding this and seem to get nowhere. They mention I needed to call in each time to push my payment through even though I was told I could save my account payment info with them for due payment. I would like these late payments completely removed as they do not accurately portray my credit history whatsoever. Furthermore in frustration I still gave destiny the opportunity to do the right thing and they have not. I payed my balance in full and had the card closed. I found that to be the only option dealing with a creditor willingly reporting false information. Please have these items removed from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. XXXX gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

In XXXX of 2017 I had a friend who had been let out of XXXX  and he had no identification. He would receive checks from a class action lawsuit involving his fathers dead from XXXX. At the recommendation from a chase bank teller who I explained the situation to I deposited the check into my account. A few days later as I tried to sign into my account something looked odd so I called. I was told my account t would be closed in 10 days unless the check owner and myself came to local branch with some form of identification. I explained that was the reason I deposited check to begin with. They explained I had 3 years to claim funds. I've tried going in with my friend a few times throughout the almost 4 years but there was always an issue. Why won't chase release the funds
Product: Credit reporting or other personal consumer reports

Equifax has just been sending me the consumer that the furnisher XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has verified that these accounts are accurate. Equifax and furnishers have been violated fcra rules with no proof that these accounts are accurate.
Product: Student loan

I am being called multiple times on my cell phone and home phone about a student loan taken out in XXXX when I was in college. GC Services, claims they are calling on behalf on XXXX, calls repeatedly, even after being told several times that I am making payments in early XXXX, and to stop repeatedly calling. They 've called more than 7 times a day sometimes.
Product: Mortgage

Our loan was recently sold to a new company which outsources its servicing to Specialized Loan Servicing, LLC. Since the transfer the customer service is awful and they have not been able to provide us with the ability to obtain Checks to use against our Home Accelerator Line and our monthly statements fail to provide any specific information on who or what entity is pulling money out of our account which prevents us from reviewing for any fraudulent activity or identity theft which is a huge concern in this financial environnment. The basic information needed on an a monthly account statement for any sort of bank reconciliation is missing. 

Its seems as if the financial insinuations do n't want to comply with regulations so they are outsourcing to this company which seems to be inadequate in providing the very basic information to consumers to properly monitor the withdrawals and payments of equity lines and loans. They fail to provide any detailed account information showing where any of our monthly payments to the loans have been applied. I assume they are required to comply with the minimum disclosures and fraud prevention as a servicing company but have told us they do n't have any resolution at this point. There also seems to be hundreds of complaints on line about the servicing and payment allocations of this company and I am concerned that we will also be subject to similar violations.
Product: Credit reporting or other personal consumer reports

Incorrect information report on my credit report and i would like it to be remove so my credit report can reflect accurately Collections XXXX  XXXX XXXX XXXX Opened XXXX {$400.00} XXXX XXXX XXXX Opened XXXX {$2600.00} I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that XXXX XXXX was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX  and XXXX as XXXX XXXX XXXX XXXX XXXX and reported to TransUnion as XXXX XXXX XXXX XXXX XXXX. It was discussed with the local branch in XXXX, XXXX, which pushed it to XXXX XXXX Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the XXXX XXXX XXXX of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is XXXX problem and is a software glitch on XXXX XXXX 's end. 
I filed a complaint with TransUnion on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with XXXX XXXX XXXX Credit Card Customers across the country.
Product: Student loan

I speak with Naient multiple times a week regarding lowering my student loan payments. They will not work with me, I can not pay the full amount but I can make a smaller payment. They have spoken to me condescendingly and become nasty with me. They call repeatedly throughout the day and they have contacted friends and family even though I willingly make contact with them and speak to them regarding my current situation.
Product: Debt collection

Jefferson Capital claims to have acquired former XXXX accounts and therefore owes me more than {$2000.00} which XXXX owed me when it merged with XXXX and which XXXX XXXX XXXX XXXX XXXX XXXX had agreed to pay as outlined in.previous complaints to this agency, XXXX and XXXX, which stated that : As the records from this agency show, in XX/XX/XXXX, XXXX agreed to pay a debt it owed me for more than {$2000.00} for refunds of charges for a defective tablet, a defective phone ; and more than 36 months of insurance I paid but which XXXX never activated according to the insurer which denied my claims for replacements of defective tablet and phone. XXXX indicated it would refund the monies it owes me. But I was repeatedly told only XXXX employee XXXX XXXX was the only person authorized to discuss the account with me. I was able to get XXXX XXXX to commit to a telephone appointment but she failed to keep it. I asked what phone number she would call from when she did call, and she did email me a number. On another day, someone called from another area code and stated she was XXXX XXXX. For months afterward, I continued to email XXXX XXXX and to call XXXX. Every other XXXX employee with whom I spoke refused to discuss the matter. I was told that only XXXX XXXX could refund the monies XXXX owes me. Several employees put me on hold to transfer me to speak to XXXX XXXX. In every instance, XXXX XXXX did not get on the phone and speak with me even when other employees said she would. XXXX XXXX did not respond to or send email messages. XXXX continued to pretend it would refund more than {$2000.00} to me until it was bought out by XXXX, but it never sent me the refund. I do not owe XXXX any money. XXXX owes me more than $ XXXX acknowledged in response to a complaint that I filed ( the third such complaint about same issue ) that it owed me nearly {$2000.00}. XXXX replied that it would issue the refund and the person assigned to do so was : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Office : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX sent me a direct email affirming this. XXXX XXXX submitted a copy of her message to the Federal Communications Commission as her response to XXXX XXXX. XXXX. XX/XX/XXXX, FCC notified me it was closing the complaint. It appeared XXXX was willing to issue the refund to me. However, after FCC closed the complaint XXXX XXXX refused to talk with me and put a note on my account that no one else at XXXX was allowed to discuss the matter. I tried desperately to get XXXX to refund the money it owed me before it merged with another company ; but to no available. XXXX the merger, I was informed that there was no mechanism available for me to collect the debt that XXXX owed me when it ceased to exist. XXXX owed me money.
Product: Consumer Loan

I purchased a XXXX in XX/XX/2016, we made payments for a few months. In XXXX and XXXX we had some financial trouble and fell behind. We picked back up and made payments over what we owed to get out of " collections '' even though they were still accepting our payments. In XXXX the finance company called my work phone, I explained that I can not take calls at work and asked them very firmly never to call my desk again. This month we are short due to me having to take time off of work for health issues. the payment came out this morning and they called my desk phone again! I may lose my job because of this and it is a huge violation since I have asked them previously to take that number off of my file they CAN NOT call it.