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

I opened an account on XX/XX/XXXX under a promotion where I was to receive, by XX/XX/XXXX, {$100.00} for setting up a direct deposit and {$50.00} for for using my new debit card. I received the {$100.00} for the direct deposit but never received the {$50.00} for using the debit card. The fine print of the {$50.00} bonus was that I needed to use the debit card to make 10 debit card purchases of at least {$3.00} each for two consecutive months following the month after my opening deposit cleared. <P/>I believe I have met the terms of the promotion. My {$500.00} opening deposit cleared onXX/XX/XXXX. I used my debit card at least 10 times for purchases of at least {$3.00} each for both XX/XX/XXXX and XX/XX/XXXX. Several weeks ago I discussed this issue with a customer service agent where he said he believed I had met the terms as well, and said he was going to submit a request for me to get the {$50.00} bonus and I should receive it in 3-5 business days. That time came and went. I called again and a customer service agent was very dismissive and just kept saying I would receive it by XX/XX/XXXX. That did not happen. I called once more and the agent said he would submit a request, but had no idea what the time frame would be, who would contact me, or when. <P/>Because I believe I met the terms of the promotion, the terms explicitly stated I would receive the bonus by XX/XX/XXXX, it is after XX/XX/XXXX and I have not received the bonus, and claims made by representatives from the bank have turned out to be false time and time again, I feel like I have no choice but to file a complaint.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( XXXX XXXX XXXX XXXX ). Because the balances being reported by your company and Experian are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to XXXX XXXX, XXXX on behalf of XXXX XXXX ( AL ) on XX/XX/2023. 
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to Experian reads {$1600.00}. 

( Proof has been included below )
Product: Credit reporting or other personal consumer reports

credit reporting companies : XXXX Experian and XXXX are all reporting inaccurate information on my public record on my credit report. It has hindered my ability to purchase a home for my family I have reached out to each and they all say they can not verify my identity. In that case you all have improperly added false information to my consumer report and credit report.
Product: Credit reporting or other personal consumer reports

I pay off everything and yet my score keeps dropping. Now I cant buy a house. Score dropped XXXX points overnight after I am during XXXX credit card companies. They keep saying Im not paying my bill. Its in court and the credit reporting agency wont listen to me. I have not been late in anything in XXXX years. The credit agencies Equifax and the other XXXX. But to from my credit XXXX points from XXXX to XXXX should be criminal. I was in the middle of buying a home and the score drop stopped that. They dictate who gets what. If anyone looked at my credits its perfect. Ive had agencies tell me they wish theirs look like mine. They are XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX 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.

All Accounts : Has Violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information Any other adverse item of information, other than the 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.

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S.C 1681b. Permissible purposes of consumer reports...

( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX keeps putting a XXXX account on my credit report, XXXX, that is not mine. 
XXXX takes it off and it re-reports. 

This XXXX account has been sold and re-reported three times in the past 14 months. 

My social and name is not associated with this account and the address they use to report it is not mine either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX and mailed the credit card payment, the XXXX 2016 payment was received by Barclays in time but was n't processed in time making my account 30 days late. I have wrote the company numerous time with no result.
Product: Debt collection

I am still and approximately 1-2 times per week receiving phone calls from Holloway Credit Solutions in XXXX, AL. These phone calls are in regards to my ex-wife. I have no idea what debt she owes as they will not tell me and I do not care. I have been XXXX from her since XX/XX/XXXX. 15 years. She is XXXX. I have told representatives of their company to stop contacting me and provided the last information that I knew. I received a phone call today and one last week and I would say 5-10 since I last told them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

5 Clients with possible information Breach Inbox XXXX XXXX XXXX XXXX XXXX, 2022, XXXX PM ( XXXX hours ago ) to XXXX : me Dear XXXX family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and XXXX additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud. 

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX XXXX XXXX TransUnion XXXX. You only need to place XXXX fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was hospitalized for an extended period in late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. Creditors affected agreed that card was used fraudulently and charged-off balances as not belonging to me. Other creditors deleted any mention of the fraudulent account and issued me a new account.
Product: Credit card or prepaid card

On XX/XX/XXXX, Discover promised me an ACH payment of {$1300.00} for permanent credits on my account, as well as disputes found in my favor. Several agents including a manager told me the amount had been approved and sent for processing. This went on for three weeks. On the last possible day I was told it would've taken for the payment to show up in my bank account ( XX/XX/XXXX ), I noticed the money still wasn't there, so I called them to find out what was going on and they told me they canceled the payment and I would not be receiving that money. A supervisor called me later in the evening after I had requested to speak to a supervisor. I reminded her that all phone calls are monitored and recorded and I wanted her to listen to each and every one that took place since XX/XX/XXXX. Her response was that regardless of what was said to me and how many people said it, they would still not be send me payment. She also stated that the amount was never approved, even though I was told otherwise, by again several agents, and again on a recorded line. 

They duped me, and at XXXX time. They dangled my own money right in front of me for three weeks, then took it away a week before XXXX. The money belonged to me. Again, they were based on permanent credits I had on my account, as well as disputes found in my favor. This was why I was told I was receiving the money in the first place. Any balance I had on my account was irrelevant. In regards to that, I was told they could still send me payment for the credits, but that my card balance would just become higher. Furthermore, my balance was not due for more than a month after the reimbursement was requested. Just thought I'd bring that subject up, since the supervisor from XX/XX/XXXX told me there's no way they can send money to me for credits if there's a balance on the account. If that were the case, then why would A, three agents and a manager tell me otherwise and process my request, B, others approve the request, and C, two checks for over {$300.00} be sent to me for the same exact thing, even though there was a balance on my account?!?? Discover is nothing but a bunch of underhanded, deceitful crooks. 

Based on previous complaints with the CFPB that I have filed in the past, I know that your agency doesn't take the action they need to against financial institutions evenafter they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX. Worthless and hardly worth even a XXXX that is taken out of taxpayers ' dollars just to keep you in business. It's a joke. Which is why I am filing a lawsuit against Discover. I only filed this complaint to have what Discover did to me on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not provide adequate verification for the debt question. No documents were provided showing a contract, signature or my correct personal information.
Product: Debt collection

I lost my job after ten years in XXXX the business suddenly closed without warning. I had XXXX houses, XXXX new cars and XXXX kids and was a single parent. I paid my bills on time always up until about two years after I lost my job. I used all savings and retirement. It was the years when the mortgage and housing bottomed out. I had a loan with XXXX. I begged XXXX then XXXX XXXX XXXX to help me. They gave me the run around. So in XXXX I finally had to file ch XXXX. 
My payments were {$4500.00} a month to the trustee for five years. I only owed basically for my house and a second mortgage. 
I successfully completed the ch XXXX a couple of months ago and the XXXX collections accounts were added and removed over and over to my credit report. The collection agency was told and sent the ch XXXX paperwork they were included in and they continued to harass me. 
I filed disputes with all credit bureaus. The collections would be removed only to return over and over. 
The collection agency did n't even have my information on XXXX she said my name but had incorrect address, no social, no birthday nothing. I kept telling collections that it was n't even my bill. She called me a liar and said I was trying to get out of paying. Which it was already included in my bankruptcy. So that was a mute point at that time. 
After I disputed they removed all XXXX collections only to show back up over and over. My score was almost XXXX they added the collections back and it dropped to XXXX. 
I really do n't understand how a collection agency can do this over and over. I 'm trying to refinance my house and this has affected my score so much I ca n't apply now. 

The agency is rude, they say just about anything to scare you to death and harass me with saying I better pay. 
Please help me. I XXXX after I lost my job which I work 7 days a week but am doing well. This is not fair I worked so hard to pay such a high bankruptcy payment plus about {$4000.00} more in other bills. I do n't know how I did it for five years but paid almost {$9000.00} in bills plus food, gas and other things. I 'm very proud I accomplished this but want to be treated fair and given a fair chance. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - the data breach this year is unacceptable - and with the company refusing to acknowledge the breach until recently shows a blatant disrespect for the people they serve.
Product: Credit card or prepaid card

XXXX XXXX is a prepaid card I received from my employer and since the day funds were placed on card I have had problems with card. Verified address and company had it misspelled although employer submitted correct address. Tried to do online order and it was declined because of address not matching. Called XXXX XXXX and was put on hold 21 minutes waiting for a supervisor. Their telephone disconnected when supervisor finally answered.Called backand was told it takes 3 business days for a pending transaction to drop off.4 business days pass and I call them and they tell me to call back tomorrow and check likemy life revolves around monitoring them to ensure they release it. If I was told 3 business days thats what it should be.The transactions on hold are one thats been submitted several times to receive an approval.So they have been holding {$200.00} since it was deposited.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Debt collection

Medical Data System have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Medical Data System.Medical Data System does not have a certificate of Authority to do business in Alabama. Medical Data System have not sent me a dunning letter but they have put a fraudulent account on my credit report.Medical Data System do not have the authority to collect any money from me.Medical Data System is guilty of racketeering, forgery, and obstruction of justice.Medical Data System is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Medical Data System. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations
Product: Bank account or service

HelloMy name is XXXX XXXX, i live in XXXX and a few months ago I opened a paypal account so I can receive funds send by a friend in XXXX. I sent them every document they need and they activated my account. After a few transactions, each XXXX under XXXX $ I got an email saying I reached the transfer limit of {$2500.00}. They wanted more documents, which I provided again and they reactivated it again. After a few more transfers and about a month later they suspended my account and wanted me to prove my business and the items I sell, what website do I operate and more absurd questions like that. I have no company, no items to sell and I just use the account to receive money from an US citizen. I have never used the account for something else. I respectfully explained that to them but they can not understand, they keep sending me automated messages about their TOS and about me not cooperating and not telling them the truth. 

This is an ABSURD situation, I have no idea why they keep harassing me like this! I only made about XXXX transfers, a grand total of {$5000.00} in 2 months. 

They blocked my funds and the account and they now refuse to give my money, telling me I have to wait 6 months to get it!! 

This is outrageous! I am living a horrible dream, its impossible to talk to those people. They abuse their power and impose abusive methods like holding my funds. 

Please help me solve this issue as I have no one on my side! 

This is what i get when i login to my account! 
" XXXX XXXX, 2015 : When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. 
Please remove any references to PayPal from your website. 
You 'll be able to withdraw any money in your account 180 days after your last transaction. We 'll email you when it 's ready to be withdrawn. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, 2015 : We need some more information about some of your recent sales. 
( Your case ID for this reason is XXXX. ) '' I do n't know what they are talking about. 

Thank you
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to TRANSUNION. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.