23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I started working at XXXX XXXX on XX/XX/XXXX. I received the Wisely by ADP card for my tips and paychecks. When I began working I gave my employer my social security card and ID. When they went to activate my card they sent in the wrong social security number. My employer and I have contacted them six times now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX being the 4th time ) to get this matter resolved. They requested for me to send my ID and Social Security Card over which I have done 4 times now. 

Yesterday was the third time I have sent the documents as requested over and was told to call back in 24 hours and it should be fixed. This has been going on for almost 3 weeks now. I have sent the info they wanted and still can not get my card fixed so that I can get my paycheck which is how I eat. Please help me get this fixed. I have no money to my name and I have been paid through this card many times and can not get to the money yet. I NEED THIS
Product: Credit reporting, credit repair services, 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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent letters to Equifax to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 purchased a dress from Macys and returned the dress. I have proof of the return. 
The purchase remains on my Macys account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) Macys has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. Macys continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX ). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show an unauthorized inquiry and inaccurate personal information that I did not initiate or approve. Despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation. 

I have previously disputed several accounts on my credit reports with XXXX, Experian, and XXXX, but to no avail. The credit bureaus have failed to address the inaccurate accounts and the erroneous public record that they continue to report. I have attached all relevant dispute letters to this complaint for your reference.
Product: Bank account or service

My cousin from XXXX wired {$1300.00} to my bank account, however my bank only posted {$1300.00} to my account. Then my cousin wired another {$130.00}, but only {$110.00} was posted. My bank also charged me {$10.00} for each wire on top of what they posted. I called my bank to find out why they posted both wires that were {$20.00} short for each wires, and the person that I spoke to said that those are the only amounts that they received and that advised me to have my cousin go to his bank. My cousins bank said it 's on my side. I just do n't know what to do, both banks are pointing at each other, and I do n't know where to go.
Product: Credit card

On XX/XX/XXXX, I was charged {$52.00}. The merchant was XXXX and the charge originated in XXXX, XXXX. I have never visited the XXXX. The charge was made using Apple Pay and was charged to my Apple Card issued by Goldman Sachs. Despite disputing the charge twice and providing my XXXX account history showing that the charge in question was not reflected on my XXXX account, my dispute was rejected and I was forced to pay the fraudulent charge. 

Exactly XXXX year later on XX/XX/XXXX, there was another charge for {$49.00}. Again, the merchant was XXXX and the transaction originated in XXXX and again using XXXX XXXX and charged to my Apple Card. 

On XX/XX/XXXX, I was charged {$21.00}. The merchant was XXXX. The service purchased was XXXX XXXX. I do not own a XXXX device. The only XXXX service I subscribe to is XXXX XXXX cloud storage for {$1.00} per month. 

Besides the fraudulent charges themselves, I am concerned about Apple and their card issuer, Goldman Sachs 's, lack of security. I had already changed my virtual card number via Apples Wallet App prior to the last 2 charges being made. Yet, somehow the charges are still posting to my credit card account despite the virtual card numbers having been changed. If the purpose of changing the virtual card number is to protect from fraud, I dont understand how the charges are still going through. 

I have reinitiated the disputes and changed my email and Apple account passwords again, but these security issues should be addressed to prevent a deactivated virtual card number from being used. Somehow, someone was able to hack my Apple Pay and is using it to make purchases via Face ID.
Product: Credit reporting or other personal consumer reports

Im confused about how they can provide a report to a creditor and not to me and after I reported XXXX for this role in allowing consumers to financially be attAcked and harmed I've received varying denial letters it changed from suspicious activity on SSN to not being able to identify my SSN and how much more damage are they going to be allowed to do before they are held accountable and forced to make any information they provide accessible with clear definitions of their status on consumers and how to correct it when it's wrong in a timely manner not et them continue to cause financial harm i attached today 's new status they are reporting they purposely are harming and keeping me from any financial help i request. Causing financial harm i can not explain the magnitude
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX  and XXXX XXXX  I was charged {$190.00} twice from a XXXX  in XXXX, Massachusetts ( {$390.00} Total Loss ). I was in the middle of getting my three XXXX XXXX pierced when I saw the transactions that occurred, I locked my card as soon as I saw that. I then had to take my friend to get her XXXX  XXXX  taken out. As soon as I had time to talk to a customer support member it was at XXXX XXXX  XX/XX/year>, I talked to them for about 11 minutes and provided the necessary documentation that showed what I think couldve stolen my card information. I was then alerted that my request was denied on XX/XX/year> at XXXX XXXX. I live in Florida and have never been to Massachusetts before let alone use my card in Massachusetts. The documents I am providing is the Text Message of how I think I got my Card Information Stolen, the phone call that I was on with the support member, a receipt of the transactions that occurred with date, time, and place from XXXX, a picture of my request being denied, a picture of the receipt of my friends XXXX XXXX  being taken out that day, a picture of a receipt showing me withdrawing {$220.00} from my XXXX XXXX XXXX XXXX XXXX  that day to get my XXXX  pierced, a receipt showing that I was in Florida that day 3 hours prior to this occurring from XXXX, and a picture of me after having my piercings pierced that my piercer took right after doing them and posted online that same day. I have had no problems with Cash App before and have only contacted support probably about once within about the 3 years of me using them, and yet i was denied when its obvious that I could not be in Florida and Massachusetts at the same time and did what i could do to prevent more transactions from going through ( Locking my card and requesting a new one ).
Product: Credit reporting or other personal consumer reports

Company/date- XXXX XXXX XXXX XXXX XXXXXX/XX/year> The fraudlent accounts listed above is not mine.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 Check N Go threatened to come to my job to collect
Product: Debt collection

Progressive insurance continued to attempt to charge me insurance on a policy that was canceled since XX/XX/XXXX. They referred me to Caine and Weiner collection agency for a balance of {$400.00} which dropped my credit score XXXX points on XX/XX/XXXX while in the middle of trying to apply for a loan to save my business. I was waiting for my score to update on XX/XX/XXXX. I paid down my credit cards and lowered my utilization in order to guarantee an approval. However, due to progressives negligence I was unable to apply. Removing the derogatory has become extremely difficult and has hindered my loan process tremendously. When Im all actuality progressive really owed me money. {$3.00} to be exact.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I got with a company called seek XXXX that said theyd get me a business loan for XXXX liquid and all they did was apply for a bunch of personal credit cards. And didnt get close to XXXX. Now my credit score has dropped and I have too many hard inquiries, Im not able to buy any real estate and grow my business. 

I read reviews after I noticed they werent doing what they said and seek XXXX has been tricking a lot of people. 

I paid {$1500.00} for them to ruin my credit
Product: Payday loan, title loan, or personal loan

Good evening, I cancelled my capitol one credit card months ago, due to financial hardships, however, I continued to make payments. When I checked my credit score, they have still be charging me interest and late fees! I spoke with a representative on the phone when cancelling, and let it be known that i could only pay 35-40/month. That was two months ago. My credit score has been severely effected.

So essentially, they don't care about financial hardships. My payment record has been in excellent standing and they are giving my NO credit on making payments that I can afford. 
This is robbery. I get the whole script about " with this type of card, you have to pay the balance off in full '' before closing and I explained the hardships. 

Please Help
Product: Credit reporting or other personal consumer reports

Upon making it clear to the company Experian during my phone call with them on XX/XX/2023 at XXXX Central Time about correcting my personal information, the agents on the call rejected to do so, and I was transferred over and over several times to different people and departments. I expressed my frustration about the company giving me the run around and they said they would fix the problem. Not only did they not fix the problem, but they added more personal information that does not belong to me on my credit report. They were being difficult refusing me when I told them the FCRA stated that information on my credit report must be XXXX percent maximum accuracy 15 USC 1681e ( b ). They denied the law and refused to remove the information after several transfers. I told them that the extra name on my report was not used by me and that it was fraudulent. Regardless of this notice they still refused to fix the problem and told me to fix it myself. I want justice for mistreatment from agents that don't know the rights of consumers in this country. The following information I want deleted as they are not used by me : Please block and delete the following names, I did not authorize these variations of names : XXXX XXXX XXXX XXXX XXXX XXXX My correct name is : XXXX XXXX Please block and delete the following addresses, they are unauthorized and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY BANK : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX Via XXXX  : XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX for XXXX XXXX Credit Report Time Period Ending : XX/XX/2017 Reason for Correction : Missed payment was due to a XXXX XXXX  XXXX Auto-pay glitch that I had no control over. This one missed XXXX payment history is destroying my credit rating. 

PEOPLE I HAVE CONTACTED XXXX XXXX XXXXXXXX XXXX chat representative via XXXX, called the XXXX number given to me for auto loans and they told me to write a letter to the address stated above. Filed numerous disputes with credit agencies, and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX who directed me to CFPB. 

BANKS LACK OF RESPONSE : The bank has not responded to me. All of the complaints I have filed with the credit agencies never change my account and there isnt a reason. I got to pick from a multiple-choice list and that serves as my statement on the credit report. The closest description I found was delinquency due to disputed billing procedures. 

I want this mark removed from my credit report. I have a big event coming soon that I will need to apply for credit for and this one little 30-day missed payment, a payment that was missed due to the bank 's autopsy glitch, is destroying my credit rating. If they won't remove it, I want an explanation as to why. I'm not asking for a good-faith removal, something that XXXX XXXX  XXXX does NOT do, I'm asking because it shouldn't be there to begin with, this is XXXX XXXX  XXXX XXXX mistake, not mine. It's hard to believe what one small missed payment can do to one 's credit rating. I want it fixed. I have been trying for years to get this fixed and now it needs to be removed.
Product: Credit card

I requested a legal name change on American Express credit card on about XX/XX/, and it was not process because I was told I requested the name change on an old closed account, which is not even shown inside of my online account. After I received a mail around XXXX XXXX XXXX I put a new online request withe the same new Driver 's License. And it turned out they did not receive my second online request. To be safe, I mailed a signed name change form along with my new driver 's license, my new social security card and my name change court decree to American Express around XXXX XXXX XXXX. After I learned they didn't receive my second online request today on XX/XX/, I put a third online request, suggested by the customer service and uploaded my new driver 's license, my new social security card and my name change court decree. I still do not understand I only have one active American Express card, and only One card shown inside my online account, how come could I requested a name change on an old card closed a year ago. On the third request, I screenshotted the confirmation as attached, it's definitely requested on my current active card.
Product: Vehicle loan or lease

incident # XXXX XXXX  took my payments didnt post to my account, then transfered me to a XXXX  who proceded to argue with me and never post teo payments that i callled in to make which i can prove i had the funds in my account. Then the next day or so i got a notification from experian that my payment was 90 days late which was not correct due to reps mishandling and unethically trickery on my acct. 

That was the second time since XXXX that they did that to my account and was notified that my payments off XXXX wasnt posted thay have tried repo my car after the XXXX  didnt post my payment
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

Hello. My name is XXXX XXXX and I have been having a number of issues with a company by the name of Comenity Bank. I would have no problems with the calls IF they were happening twice a week and had the company 's name and phone number coming across my callerID. But that is not what is happening. Instead I am receiving between 6-8 calls per day from either Unknown numbers, ( XXXX ) XXXX, or ( XXXX ) XXXX. Today, when I answered the call, the person went straight into a spiel asking me when I was going to be able to pay a certain amount towards a bill. When I stated that the person he probably meant to speak to was not around at the moment, he says that he is Mr. XXXX with Comenity Bank and was under the impression that he was calling a personal cell phone number. Interesting that he said that, because, without leaving a voicemail, I received a robocall from ( XXXX ) XXXX today, on XX/XX/2020, at : XXXX, XXXX, XXXX, and XXXX. And on Tuesday, XX/XX/XXXX, at : XXXX, XXXX, and XXXX. When the calls came in on Wednesday, XX/XX/XXXX, the callerID came up as UNKNOWN three times. I am pretty sure that even debt collectors by law are not allowed to spoof their phone numbers or call numerous times per day as a robocall. I am sure that this violates a Federal Law known as the Telephone Consumer Protection Act ( TCPA ) and " Mr. XXXX '' had let me know that this is a practice that was happening when he stated to me that he thought that he was calling a personal cell phone number. If they had any notes on their customers ' account, they would see that I requested to have calls come in specifically stating who the caller is or the company they work for, because in this day and age, scammers use the same tactics as Comenity Bank does.
Product: Credit reporting, credit repair services, or other personal consumer reports

when Equifax got breached in XX/XX/2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. Equifax sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at Equifax 's discretion. If my information would have never been " hacked '' or " breached '' by Equifax I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want Equifax to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party  furnishers but Equifax refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )