23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.
Product: Prepaid card

While working XXXX orders, I was scammed into signing up for dasher direct. Someone pretended to be calling from XXXX support advising that my assigned order would be canceled due to customer using a fraudulent payment method. The scammer then told me that I would need to sign up for XXXX XXXX to pick up orders going forward and then proceeded to sign me up. After I realized all of my earnings were being spent on a virtual XXXX XXXX card that I never authorized to have my direct deposit loaded on. I called XXXX support for assistance multiple times regarding reimbursement however nothing has been resolved. The scammers have continuously changed my payment methods in my XXXX XXXX account.
Product: Debt collection

By consumer law, the company doesnt have my permission to report this on my profile Without my written permission 15 U.S. Code 6802 A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing I was a victim of identity theft and had already filed a police report and have sent all the credit bureau and proved more then once all physical evidence leading to my identity theft My mom and her current husband was the one who committed the crime and are being investigated, Social security welfare is involved I wrote a letter to irs trade commission also I did not open this account nor agreed to make payments My personal information was misused by my parents and Ive proved this over and over again, and my law as the consumer is not being met at all Idk how something is verified when its the thief who had my information, making accounts and making the necessary phone calls to cover their tracks.
Product: Credit card

I owe {$140.00} to Montgomery Ward. Whenever my first payment was back in XXXX I had hardships losing my job. I have tried emailing the company at first for my account number for months, they never responded nor replied to the email request sent through their website. I finally get logged into it and received a threat letter saying if I do not pay said payment the account will go into collections where it'll further harm my credit. I am trying to mange I have to file an appeal with unemployment because I forgot to register for work so I don't even have any income coming in yet. The company doesn't seem to have any form of insurance I went digging for it to file a claim so it can at least be paid. I am " XXXX '' days behind on my bill will is drastically hurting my credit I do not know what to do here.
Product: Checking or savings account

My name is XXXX XXXX and i have a joint account with XXXX XXXX, XXXX XXXX XXXX XXXX We deposited My refund check for {$180000.00}. It was held for XXXX  days and it cleared. Chase however refuses to release the funds. 
Chase is holding the funds claiming to wait on an imaginary email from treasury. 
We are asking to chase to release our funds or sent it back to the IRS so we can receive it back.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I checked my transaction history on XX/XX/2020 the same day I called the PA EppiCard Customer Service to report it, the first level customer service representative transferred me to level 2 customer service only time I had the opportunity to talk to them, the lady who answered " took my request '' for all the fraud transactions I had from XXXX to XX/XX/2020 almost {$1000.00} in total, they mailed a new card which I received 2 weeks later, time past and I didn't heard anything from them about the transactions, so I called again at the end of XXXX, the representative told me, he can see the request for a new card, but they never enter a dispute for all the transactions, since the end of XXXX I have been calling them in a regular basis ( once a week ) to be in hold on the second level customer line that never answer. Worst company ever, in the picture attach is my try last night XX/XX/2020, as I am writing this I'm on hold in the line waiting for the 2 level customer service representative to pick up the line, have been 50 minutes and nothing. The name of the rep in the first level is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To whom it may concern, I recently received a copy of my credit reports from all three credit reporting agencies and I noticed some late payments, as well as my utilization posted on my credit report. 

In the United States code, it is not stated that credit utilization nor payment history is included in your consumer report. These are factors of a FICO score, which is independent from your consumer report. 

XXXX XXXX XXXX XXXX XXXX ending in XXXX Late payments ; XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - current date Your company is in clear violation of the law under 15 USC - 1681B labeled under permissible purpose of consumer reports. The law clearly states : IN GENERAL Subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Providing I, the consumer solely with a contract does not satisfy the criteria under 15 USC 1692GB. Any and all written instruction must be clear and conspicuous according to United States code. 

Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) - Exclusions from a consumer report clearly states : ( 2 ) Exclusions - except as provided in paragraph ( 3 ) the term Consumer Report does not include Subject to section 1681s-3 of this title any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; This pertains to the reporting of late payments/ payment history as well as my credit utilization.

Refrain from the reporting of any prior and future payment history, as well as utilization from my consumer report, this company is in violation of 15 USC 1681.

I know my rights as a consumer and this information was furnished with complete disregard to those rights.

Failure to respond satisfactorily ; with deletion of the above reference account information, as well as access to a free copy of my report after the changes have been made, via mail will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : defamation of character negligent enablement of identity fraud fair debt collection practices act 15 USC 1692g violations Fair Credit Reporting acts 15 USC 1681 violations for willful non-compliance and 616 civil liability for willful non-compliance Best Regards, XXXX XXXX Enclosed : copy of ID and social security
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX. I can not access my account online, via telephone, nor via the app, despite MANY attempts to resolve the lockout issue Mariner Finance has.

2. Mariner Finance offers payment via phone according to the loan documents signed at time of loan, but charges an additional cost to make the payment, IF the payment function is operational ( not likely operational ).

3. Mariner Finance does not respond to voice mails, or return phone calls, that is IF a client happens to get an answer from a telephone call to their office. ( Someone picking up the phone is RARE - if your call IS answered, Mariner Finance will put you on hold, after which, the line disconnects ). 
XXXX. They do not answer their telephone during NORMAL business hours, specified on their company voicemail AND company website. 
XXXX. Mariner Finance delays withdraw of automatic payments for weeks on end. 
XXXX. Mariner Finance offers more loans, often via email and spam calling, despite clients requests to pay off their existing loan. 
XXXX. Mariner Finance fails to adjust loan balances after payments are made. 
XXXX. Mariner Finance is often not in the office, during normal business hours according to their listed times at the location. 
XXXX. My latest attempt to contact Mariner Finance at the telephone number provided on their business DOOR and website, was answered by a female who hung up on me stating, We are closing, call back. This response was received during their normal business hours.
Product: Credit reporting or other personal consumer reports

I've noticed multiple hard inquiries on my credit report that I did not authorize.
Product: Debt collection

Dear Investigator Agent, I got a collection letter from a [ Credit Management , L.P. ] collection agency. Called them and they seemed to be very unprofessional bordering breaking the law with threats. This is in ( Dispute ) because I never had service through XXXX. When I called XXXX they stated there was n't a account with them under my name. Being this is { Fraud } and I 'm a victim of identity theft. The demand is they terminate this account and Stop collection activities immediately! They claim the debt is for {$310.00} cents. 
Respectfully yours, XXXX
Product: Debt collection

Hello, Included in this complaint are two escrow statements I have received from XXXX XXXX XXXX. Although taken from consecutive months, there is clearly a discrepancy of {$1100.00}. 

There may be a reasonable response to this, however, I have been unable to receive any response on this matter from XXXX XXXX. I first contacted them about it on XXXX XXXX ( through e-mail ). I have sent them multiple e-mail requests since then but have received no response concerning the discrepancy. I have, however received one " read receipt '' from an e-mail I sent on XXXX XXXX indicating that the e-mail was read on XXXX XXXX. Despite requesting read receipts on previous e-mails, I received no indication that any of my other requests ( before or after ) concerning this matter were even read. 

Thank you for your assistance in this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be promptly blocked. 

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked immediately : Fraudulent Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 

Additionally, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report : I appreciate your prompt attention to this matter. Please confirm in writing once these fraudulent items have been removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the bureaus months ago in regards to improper reporting on my credit profile. I still have not received any results or paperwork in regards to the dispute.
Product: Debt collection

This debt was previously sold to two different debt collection agencies- XXXXXXXX XXXX XXXX and Recovery Management Services . Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXXXXXX XXXX XXXXXXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. This debt was then collected by another agency ( RMS ) who has persistently harassed me and I have filed a complaint in XXXX of 2022 for that. This debit was deleted from my credit as promised however they have continued to harass and threaten me. I have documented calls on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then on XX/XX/XXXX, they reinstated the debt illegally on my credit report and have illegally given my personal data ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. As a result of this constant harassment, threatening, and illegal activities, I am letting this complaint serve as a final notice for this to be deleted off my credit with written confirmation. If this is not the result, I will have my attorney be in contact with this agency. Thank you.
Product: Checking or savings account

i OPENED AN ACCOUNT NAVY FEDERAL I RECIEVED NMY DEBIT CARDS AND CHECKS AND DEPOSITED MONEY INTO THE ACCOUNT I THEN CALLED TO ACTIVATE MY DEBIT CARD AND WAS TOLD THEY WERE CLOSING MY ACCOUNT FOR FRAUD - AFTER CALLING SEVERAL TIMES HOLDING OVER 2-3 HOURS I WAS TOLD TO TAKE MY DOCUMENTS IN TO THE BRANCH. I GET TO THE BRANCH AND THEY HAVE ROPES OVER THE BANK SO I HAD TO YELL MY REQUEST TO THE TELL AND COULD HEAR WHAT EACH PERSON WAS COMING INTO THE BANK FOR.THEY TOLD ME THEY CAN ONLY TAKE MY DOCUMENTS AND SEND THEM TO THE FRAUD DEPARTMENT. DIDNT TRY TO ASSIST ME REALLY. VI CALL BACK TO THE CUSTOMER SERVICE NUMBER AND THEY TELL ME THE BANK COULD HAVE APPROVED MY DOCUMENTS WHILE I WAS THERE .... ADVISED ME TO WAIT 5 DAYS AND CALL BACK THURSDAY. I CALL TODAY AND THEY TELL ME MY DOCUMENTS WERE SENT TO THE WRONG PLACE AND THEY ARE FORWARDING THEM TODAY. I CALLED AND REQ A SUPERVIOR WHO NEVER APLOGIZED HE HELD THE PHONE COWARDLY AND BESICALLY ACTED AS IF THIS ISNT OF ANY CONCERN TO HIM HIS NAME WAS XXXX - IM SO UPSET BY THIS SERVICE
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX I have a late payment on my account which I was never late my account on XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account should have been deleted from Equifax, XXXX and XXXX. It is still being reported