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

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. EQUIFAX MTG 2. XXXX  XXXX 3. XXXX XXXX 4.  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business  days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX
Product: Student loan

Yesterday I received a call for the second time about a payment that was " past due ''. I informed them that my loan was specifically purchased with a lower interest rate for autopay. If there system is working there is no possibility for a late payment, and I prove with bank statements I have had the funds in my account the whole time. I had them manually pay so the bill would not be past due, and they said it should be fixed and autopay should work the next time. 
Today I received another call asking to pay a past due fee. I explained again that my loan was purchased on an autopay plan. There is no reason there should be a past due fee because how can I be responsible for missing a payment I was not responsible for initiating. 
This is the second time Sallie Mae has tried to do this with a student loan for me. I think they are purposefully manipulating the autopay system to get more money out of people, and I am sick of dealing with their harassing phone calls over this.
Product: Credit card

I applied for and received the XXXX XXXX XXXX American Express XXXX XXXX around XX/XX/XXXX. This card carries a hefty {$690.00} annual fee and in return comes with a set of benefits. XXXX of the primary unique benefits of the card is conferring " XXXX '' status with XXXX XXXX XXXX 's loyalty program. This is a highly valued benefit and a driving reason for to me apply for this card. 
Typically, this status should reflect in my XXXX account within a few days of the card being approved but I have still not received this status on XXXX due to unknown issues at Amex. 
Additionally, the card allows me to accrue XXXX points through spend, elevated points through staying at XXXX, and a sign up bonus. Since my Amex card is still not connected with my XXXX account, I also do not have any of my card spend $ show up as points on my XXXX account. Nor has my sign up bonus points shown up. In total, this adds up to XXXX points till date which has a value north of {$1000.00}. 

It has also resulted in me losing out on all of the above benefits that I should have been privy to at a recent trip involving a XXXX stay near end of XXXX. 

In regards to this issue, I originally reached out to Amex on XX/XX/XXXX via chat and again on XX/XX/XXXX via chat. ( Can share screenshots for these ). I then called them on XX/XX/XXXX to follow up and again on XX/XX/XXXX. The XX/XX/XXXX call got me to a more helpful agent who took some diligence in looking into the matter more keenly. Prior to this, the agents simply sent a request each time to XXXX to connect my Amex and XXXX accounts. 
The agent from XX/XX/XXXX followed up with on XX/XX/XXXX and XX/XX/XXXX to say this is still being worked on. During this time, I noticed that Amex had the last XXXX letters of my last name truncated due to length whereas XXXX did not and hypothesized that this might be causing the issue at hand. The agent in question initiated a name change at Amex and this was completed soon after. The same agent followed up with me on XX/XX/XXXX to say that she has requested the link for my account & XXXX to be established. This is the last I received a follow up from Amex 's side proactively. I called on XX/XX/XXXX asking for an update and was told this is still being worked on and has been escalated ( spoke to a different person this time- not same agent as last few calls ). I initiated a chat with Amex today ( XX/XX/XXXX ) to follow up again and was given same reply that this is still being worked on. 

At this point, it seems like Amex is working on this in bad faith with not much interest in resolving the problem. The status match and the points are the primary drivers to pay such a huge sum to have this card but the company is taking no actual interest it figuring out the problem. 
They have also refused to offer any partial refund in annual fee as a result of not providing the benefits they promise with this card.
Product: Checking or savings account

Capital one isnt depositing my direct deposit XXXX  are extremely silent in updates. Cant talk to anyone. They are literally XXXX. Cant pay bills, eat, put in gas. I live paycheck to paycheck. I need help.
Product: Debt collection

I was enrolled in XXXX university, It turns out it was a fraud, it is not a real school, just a suite of offices, one teacher never even showed on the discussion boards yet gave us all As now, I signed on for a class action lawsuit, they have been trying to get money from me ever since and now have hired Account control technology to extort money from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX CT IL XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a PayPal Cashback MasterCard credit card issued by XXXX XXXX. 
On XX/XX/2018, I tried to use my card for an online purchase costing {$0.00}. 
During checkout, MasterCard SecureCode failed to send the One-Time Passcode ( OTP ) to the email address I provided for the  transaction. 
Since it failed to send the OTP thrice, I had to cancel the transaction and use another credit card for the purchase. 

When I called XXXX XXXX Customer Service, they said I should call MasterCard Customer Service since MasterCard ( not XXXX XXXX ) failed to send the OTP. 
When I called MasterCard Customer Service, they said XXXX XXXX does not participate in the MasterCard SecureCode program.

In other words, they said I could not use the XXXX XXXX credit card for online purchases which required an OTP from MasterCard
SecureCode. 

So, I called XXXX XXXX Customer Service a second time for help with the issue. 
During the second call, the Customer Service representative : 1. first successfully verified the details I provided to prove my identity ( first & last name, last 4 digits of SSN, phone # on file, mother 's maiden  name, etc. ). 
2. then : a. refused to send a verification code by text message to the phone # on file. 
b. refused to send a verification code by text message to the phone # I was calling from. 
c. refused to send a verification code by email to the email address on file. 
d. mentioned he could send a verification code by postal mail but did not confirm if he sent it. 
3. transferred my call to a woman who said my account was blocked and would remain blocked until I proved my identity by : a. uploading a 5-second video of my face and the front and back photo of my Driver 's License at a verification web site. 

When I explained to her I had called to seek help with a failed transaction, she curtly said since I was talking to her over the phone there was no proof I was the account holder of the credit card! 
All this for a transaction involving {$0.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A 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 reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. XXXX  XXXX did this in the past to me as well and always refused to not report after showing and proving proof
Product: Checking or savings account

I contacted TD bank multiple time to resolve this issue and they did nothing to help. I only had 1 account open and due to identity theft and fraud some how some way 5 other accounts were opened in my name that i had no Knowledge about. They forged my signature and i was told these people open this account either online or by phone. These accounts are not mine and I will not be responsible for the damage. Please help me asap with this matter please.
Product: Checking or savings account

I was on XXXX someone told me that I will be paint for her client so she will give me money a bonus. She gave me some money ( deposit check ) but not the right amount so I sent her the money back ( 3 times ) and she stole me {$3900.00}. 
At first to be sure that I will see my money back I call the bank ( Chase ) and a woman told me its okay you will have your money back. But I didnt receive anything. Those transactions was started XX/XX/XXXX until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Mortgage

I do not know English, so I use translation. I used a home loan. However, I met with the company 4 times through a translator, but I could not solve my problem. I want to open an account online and follow up on my credit. They say they will open it, but they do not open it. I have paid extra money for 2 months, but I have not received statements, so I can not open my account. I can't see it online. My name is XXXX XXXX. Loan number ( sent by the company ). XXXX zip code. XXXX. XXXX. XXXX. XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/year> I contacted Truist Bank via their XXXX number because I was concerned about a payment not being made in a timely manner. I am a customer of Truist Bank. I had a payment scheduled to be paid on XX/XX/year>. As of XX/XX/XXXX the payment was not made. This is very concerning because the payment was to be made to a Trustee of a U.S. Court and they want their payments made in a timely manner. I am legally liable for missed payments.

The person that I spoke with at Truist Bank was basically XXXX  and despite explaining my situation at least three times, she had no idea what I was talking about. I began to get very angry and I demanded to speak to a supervisor. I was then told that a supervisor would not be available for at least 15 minutes. I told the representative that this was unacceptable. I XXXX  and then hung up the phone. 

Later on I attempted to call Truist again via their XXXX number and spoke to another representative that was even XXXX  than the first person I spoke to. They also seemed to be XXXX XXXX XXXX XXXX XXXX XXXX I was furious by how I was treated by this individual. I demanded to speak to a supervisor and was immediately placed on hold. After waiting for over XXXX minutes I hung up the phone. Despite XXXX phone calls to Truist, the problem that I initially called about was not resolved. 

Still furious, I attempted to call my local Truist branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. I wanted to see if they could resolve the problem. No one answered the phone and I left a message to be called back. Receiving no call back, I again called my local branch and left another message. To the present time I have received no call back. 

Based on my experience, I believe that Truist Bank 's customer service stinks and is non-existent. As soon as is feasible, I plan to terminate my relationship with Truist. I am so furious at how I've been treated, I am now receiving medical care. In additionXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I believe that I am being discriminated against.
Product: Debt collection

XXXX XXXX Credit Card company seems to have sold my debt to a XXXX party debt collector. 
I have multiple debt XXXX attempting to collect debt for XXXX XXXX. 

As of XX/XX/year> I can see account information listed under the following credit XXXX : True Accord {$3000.00} - I have filed a dispute and asked for verification OriginaXXXX XXXX XXXXXXXX account ending in XXXX Current creditor is XXXX XXXX XXXX account ending XXXX XXXX XXXX {$1500.00} Reference number : XXXX Original account ending : XXXX XXXX XXXX Debt owed XXXX XXXX XXXX Resurgent which has XXXX XXXX XXXX accounts listed. 
Account number ending XXXX XXXX XXXX XXXX XXXX balance XXXX as well as the other XXXX debts above. 

I have multiple collection agencies contacting me to collect a debt. My information should not be sold to multiple agencies, even if they are listing XXXX as the current owner of the debt - I do not have communication from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ACEPTANCENOW XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$550.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}
Product: Credit card or prepaid card

I have a Comenity XXXX XXXX card. I had many problems with merchandise not delivered or delivered but of unacceptable quality through my interior design business. XXXX XXXX immediately agreed, and issued credits to my Comenity XXXX card, resulting in a credit balance of {$7100.00}. 

I called Comenity to request a refund ACH on XX/XX/20. They told me the leadtime is 21 days ( average, not guaranteed ) to review, plus 3-5 days to process the ACH. I have printed statements from their website confirming the credit balance, and they agreed with the credit balance total on the phone. 

Given that the $ amount is large, and ( in my opinion ) the processing time is exceedingly long, I requested written confirmation of my request today. They refused. 

I do not think it is reasonable to take so long to issue a refund check. The refunds were credited to my account XX/XX/20 {$3900.00} and XX/XX/20 {$3400.00}, so they have already owed me the money for 29 days. They say the 21 days starts today with my request ( which they refuse to document in writing to me ). That is exceedingly long in my opinion. They will wind up having my funds for 50 days + PLUS they refuse to document my request today in writing. I do not trust them. 

Furthermore, when I asked what would have happened if I hadn't called, they said that the funds would have eventually gone to the unclaimed funds account in my state. That is ridiculous. They have all my information, and my account is extremely active. In my past experience, if I had a credit balance with a credit card, they sent me a refund check without my ever requesting one. 

If this is legal, it certainly isn't right. 

I have ongoing issues with XXXX XXXX and it is possible I will have further credits to my account. I do not want the dollar amount to continue to increase and believe their response is inadequate and unethical. 

If you could assist me in getting my refund sooner, I would appreciate it. Thank you.
Product: Credit reporting or other personal consumer reports

I called syncrony Bank regarding an account. They stated that the only account they had was a paypal credit account with my social security number but incorrect name. And that the account was opened in XXXX payments were made however the account was sold to a XXXX XXXX XXXX XXXX during XXXX in XXXX they started the process. How can they sell an account during XXXX and how can they do that without informing the right party. 
There is no contract with this XXXX XXXX XXXX XXXX who served papers and even used a shadylegal company coming to my door knocking like criminals. I asked Syncrony bank for detailed information as that is not my name. If they have something with my name then use my correct name. Many people do not know what happened during XXXX The name it is under is XXXX XXXX which does not exist noone with the name of oruc never existed never will - my name is XXXX XXXX with the social number ending in XXXX they are using. I want all documents
Product: Credit reporting or other personal consumer reports

I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/2024, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.
Product: Debt collection

XXXX keeps threating harassing me for debt I do n't owe I have no relationship with them they please have them stop all collections asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing its changed off but still haves a balance on it.15 U.S.C 1681 and 15 U.S.C 1681 ( a ) ( 4
Product: Debt collection

I have gotten repeated calls from Portfolio Recovery Services attempting to collect a debt that is not showing up anywhere on my credit report or in collections, I have no idea what they are referring to. They called me today on XXXX XXXX XXXX  and it is a Sunday. It is my understanding that under the Fair Debt Collection Practices Act this is illegal. I've stated multiple times that I do not wish to be contacted nor do I know what debt they are referring to as there is nothing in collections and I've checked with the credit bureau 's. This is becoming harassment, especially calling on a Sunday. I have a screenshot of the call log proving they contacted me outside of what the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer USA received a written request by me to provide me with verified documentation proving the debt and correct amount they claim I owe, which is reporting to all the credit bureaus ( XXXX, XXXX, and XXXX ) .Instead of verification of the debt they claim is mine, they sent a letter asking me to provide them with the account numbers, Bank statements, addresses, VIN number etc and until they received such documents, they are stating they can not dispute or verify my debt. If this is so how are they reporting to the bureaus?
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file report on here as I feel are not doing their job properly and it is effecting me a great deal as I used paypal quite frequently. My email linked to my Paypal is XXXX XXXX