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

For the last 2 weeks I've been trying to activate the eipcard I got as part of the stimulus. I call the only number available that it claims is for customer server 24/7. I follow the directions and press 1 for customer service or to activate the card. Then it asks and I put in the card number. Next it asks for and I provide the last 6 digits of the Social Security number. The recording then says " We're unable to process your request at this time. Goodbye. ''  There is no other phone number for this card or a way to contact customer service on line. The only other way to contact them appears to be an address.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items in my report that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX midland credit management
Product: Credit reporting or other personal consumer reports

I have talked to this company multiple times in XXXX, XXXX and XX/XX/2023. The first time I spoke to an agent who said that he agreed I do not owe this money and they would take off the balance owing and negative reporting information on my credit bureaus. The second time I spoke with an agent I explained that nothing has changed or taken off all 3 of my credit bureaus. This was supposedly for eyewear that I paid cash for and never used this company for credit. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Consumer Name : XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Social Security Number : XXXX I am filing a complaint regarding XXXXXXXX XXXX XXXXXXXX  XXXX account number XXXX, opened on XX/XX/XXXX. This account is incorrectly reported as open and active on my credit report. The account is, in fact, closed and in charge-off status. Reporting inaccurate information on a closed account violates the Fair Credit Reporting Act ( FCRA ). I request that this account be corrected and removed from my credit report as it is reporting inaccurate information. 

-- - XXXX XXXX XXXX XXXX Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Social Security Number : XXXX I am filing a complaint regarding XXXX XXXX XXXX  account XXXX XXXX, opened on XX/XX/XXXX. This account is incorrectly reported as open and active on my credit report. The account is in repo closed status and should not be reported as open. This is a violation of the FCRA, and I am requesting immediate deletion of this inaccurate information from my credit report. 

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Product: Checking or savings account

XXXX XXXX and XXXX XXXX had several accounts, including an individual for XXXX and 1 joint with XXXX and XXXX, at TD Bank. They were opened at XXXX XXXX XXXX in XXXX  XXXX, NY XXXX. The manager who is aware of the below is XXXX, XXXX. 

On or about XX/XX/2020, XXXX XXXX received notice that his checking account " was hacked '' and that it was closed. No further info was provided. ( All properly written checks were bounced, incurring fees. ) XXXX was instructed to come into the branch and open a new account, which he did. 

Within a week, on or about XX/XX/2020, XXXX XXXX received written notice that the new account, not 7 days old, had funds withdrawn on it in a TD branch XXXX XXXX, Florida. A person, using XXXX XXXX NEW bank account number and SSN, deposited a bad check for {$3000.00} one day, and the next morning withdrew {$2200.00} using a teller check with the new acct numbers and XXXX XXXX SSN. Despite the signature not looking anything like XXXX XXXX ( as noted by XXXX, bank manager in New York ), the funds were paid. That account was closed, and properly written checks were bounced, incurring fees. A 3rd account was opened, this time being password protected. The account has since been charged a low balance fee. 

On XX/XX/2020, XXXX XXXX receives a call at home in New York that another TD account that she never uses, but on which she is joint with XXXX and is used to pay a mortgage, was attempted to be drawn on at a TD branch in XXXX XXXX, Florida. The caller was XXXX, XXXX, the manager. Her teller had recognized the NYS ID presented as fake and not paid. Again, the perpetrator had the bank account number and XXXX XXXX   SSN, in addition to fake ID. XXXX would not provide a copy of the fake ID. She claimed she would be calling the police. XXXX followed up with XXXX to get a copy of the ID and have him get the facts from XXXX, to see how the investigation from the XX/XX/XXXX fraud was proceeding, and to ask when the {$2200.00} would be re-deposited. XXXX advised that an investigator had not even been appointed, two weeks after the SECOND fraud, as " it was only a week and a half ago '' that he filed his paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with the Credit Reporting Act, Sections 605b within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With that, I am asking for your help to correct the following late accounts : XXXX XXXX XXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Opened XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 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 XXXXXX/XX/year>
Product: Student loan

I applied as directed, provided my XXXX XXXX XXXX yrs of work and my non profit employers from yes prior as I have worked for over 26 years in social services. From the Sun to treatment facilities and counseling dept for the XXXX XXXX XXXX for 10yrs straight XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Company Name : XXXX XXXX XXXX XXXX XXXX Amount : {$100.00} Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company Name : XXXX XXXX XXXX  Amount : {$1000.00} Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against all three credit bureaus in regards to fraudulent accounts on my credit report. XXXX and XXXX complied with the FCRA and removed fraudulent accounts and never reappeared on my credit report.. Experian has failed to comply in deleting the same fraudulent accounts XXXX  and XXXX deleted or provide me with sufficient evidence or reason to keeping fraudulent accounts on my credit report. Experian has been reporting derogatory and inaccurate information relating to my credit report. XXXX ( {$22000.00} ) / XXXX XXXX ( {$1200.00} ) both fraudulent accounts Experian has failed to remove from my credit report.I filed a police report sent it to Experian twice and they haven't complied with the FCRA.I have suffered actual damages in the form of credit denial and loss of credit opportunity, credit defamation and emotional distress, including anxiety, frustration, embarrassment and humiliation.Experian has showed reckless and gross negligence for federal law.
Product: Credit card

I called asking for a full refund of a service I had not known I was getting charged for for the past XXXX  years. I had never verbally or electronically agreed to be a part of the program offered by mycardsecurity.com. The email sent by them confirming I signed up for this program was not from a known or recognizable email and looked suspicious. I called on XX/XX/XXXX to ask for the refund, but they are only offering a few months worth of charges. I can't tell how much they've charged me because my electronic statements from before XXXX have been delisted and I can no longer access them. They've so far sent a refund of {$57.00} and {$83.00} for XXXX accounts, but I'm unsure of how much in total I've lost.
Product: Student loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''
Product: Debt collection

I am doing this report because it was many fraudulent accounts in my credit report. 
I did not have knowledge about these accounts. This is inaccurate information that I would like be removed. 

I unaware of this account and the collections are reporting in my credit report. 

Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I just received the report sent to us by Discover about their findings which are completely irrelevant from my previous complaint. It broke down everything from the payments we made to the disputes/fraud charges with XXXX. We made payments during the fraud/dispute charges because we had previous purchases that we had made on our discover card that we were trying to pay off. That is the only reason we made those payments. We did not discover the XXXX charges until we received our bill in XXXX in which we called discover and my husband called XXXX about this. When XXXX would not call us back that was when we kept calling discover. We did billing disputes first because we were not sure what to do since this had never happened before. We were then told by the billing department that we needed to do fraud charges. I added my husband as a user in order for him to bring his credit score up for when we build a house. His credit card through XXXX XXXX was also hacked and his account through them is currently closed because of this. I have new findings that show there was XXXX deposited and XXXX withdrawn. I wish we had this money, but obviously we don't because we did not do this. If we did obviously this would be paid off and wouldn't be an issue. It also shows a credit card listed on his XXXX account ending in XXXX. We do not own a card ending in these 4 numbers. My guess as to what happened is whoever hacked my husband 's account withdrew the winnings to his XXXX XXXX account then to the credit card ending in XXXX. This shows that this was fraud. I am going to upload the new finding documentation below. I am not paying this amount of XXXX that us currently on my discover card because they are fraud charges. When my husband first opened his XXXX account he did sports betting only and hasn't done that since XXXX. He did upload his winnings then to his XXXX XXXX account ending in XXXX. He has not used his account since XXXX and since all of this has happened he has closed his XXXX account-to where he can't do anything, and his XXXX  XXXX account.
Product: Credit reporting

Experian is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. Please remove.
Product: Credit card or prepaid card

I opened a credit card with Chase Bank in XXXX XXXX. At the end of XXXX XXXX, Chase closed my credit card with absolutely no warning. Which dropped my credit from a XXXX to XXXX. The reason they closed it was because after reviewing my account ( after they already accepted me and opened an account ) that I had too many credit card accounts already opened and the other reason that they closed the account was because we went over the credit limit by XXXX CENTS. After a XXXX XXXX phone call with Chase on XX/XX/XXXX, my account was placed under review to see if it could be reopened ( had to pay {$70.00} before they would put it under review ). On XX/XX/XXXX, I received a call from Chase stating after the review my account has been reopened. On XX/XX/XXXX, 3 DAYS later, Chase closes my account without any warning again. This causing my credit to drop from a XXXX to a XXXX. Forgot to mention, we were beginning the process of buying a house, which chase knew about before closing the account the a second time.
Product: Bank account or service

I opened a promotional account with Citi bank ... ..After meeting all their requirements ... ... They are denying me of my rightful bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Navient.com is calling my number  XXXX  every day from different numbers. I have no business with  Navient.  I called the numbers received and I get an automated answer asking for social security number or loan number. Please advise on how to stop these calls..
Product: Checking or savings account

Hey my name is XXXX XXXX and I opened an account with chime online banking my unemployment deposited on XX/XX/2020 on XXXX XXXX,2020 chime online banking randomly suspended my account with out my knowledge I didnt know until I was ready too use my card for a store purchased I called chime online banking customer service and they couldnt give me any information I was told to contact there support team only through email. And once i did contact chime support team they asked for documents too prove it was me and and did so with the best of abilities and I told them Im in a middle of a crisis with my XXXX  basically XXXX  and I jus need my funds released.it took me two days too get a response only after threatening them with the attorney general and lawyers and chime support responded with an email stating that there jus going too close the account and my would be refunded that was a week ago and I emailed them again asking if and when my funds will be released chime support team responded say they can not give me any details and stop responding
Product: Student loan

When I learned about the public student loan forgiveness program, I called Navient to ask if my consolidated loan qualified for the program and was informed that yes it is the correct loan. I was also given information about making sure that I paid my payments on time, do not defer or go into forbearance as this would disqualify me from the program. 10 years later, I downloaded the application for forgiveness, completed the form, had the correct person at my not-for-profit , county hospital sign the form and mailed it off. Imagine my excitement when I received a response in a timely manner. I then learned that I did NOT have a DIRECT student loan and therefor did not qualify for forgiveness.I called Navient to complain and basically was told no proof? too bad! I had a XXXX dollar loan and have been paying diligently for 20 years. I still owe XXXX dollars. I am now receiving calls from every student loan company imaginable with supposed information about suing Navient however this is a hook to try to talk me into consolidating my loans into a Direct student loan so that I can pay for another 10 years. I will be XXXX. I do not plan to continue working until XXXX. Navient must have sold my information for all of these companies to suddenly be aware of me wouldn't you think?
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
Account Number : XXXX  XXXX XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Checking or savings account

I opened an account with Regions Bank after receiving a personalized offer in the mail. The offer stated I'd get a {$400.00} bonus for opening a new account if certain terms were met within the first thirty days. Here are the terms presented to me on the flyer I received in the mail : -Register at regions/com/offer using your personal code -Open your new personal XX/XX/XXXX checking account by XX/XX/XXXX, and enroll in Online Banking within 30 days of account opening -Use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening. Almost any CheckCard purchase counts, including bill payments, online chopping and subscription services, as long as you use the XXXX number -Your {$400.00} bonus will XX/XX/XXXX deposited directly to your new checking account with 90 days of completing the above requirements I opened my account online on XX/XX/XXXX right about XXXX XXXX and funded the account at that time. I didn't receive the card for my account until XX/XX/XXXX and it was postmarked XX/XX/XXXX. I've attached an image of the XXXX mail ( which I get daily ) showing the card being delivered on XX/XX/XXXX from their address, XXXX XXXX XXXX XXXX, AL XXXX. Even getting the funds at the time of opening my account to Regions took XXXX days. 


The very next day, I started using the card. Between the first day I used the card, XX/XX/XXXX, and XX/XX/XXXX, I used the card eleven times. Within that window, the last two purchases were made on XX/XX/XXXX ( Thursday ) and XX/XX/XXXX ( Friday ). The charges are attributed to XX/XX/XXXX, when Regions say they " cleared ''. 


This week, I've reached out to the bank via a branch, and two different calls. Each time, I was told I wasn't going to get the bonus because I didn't make the purchases within the first thirty days ( not true, based on Regions own account info ), and that the first day I opened my account ( XX/XX/XXXX ) was counted as one of the days counting against me. I repeatedly said that thirty days means twenty-four hours, thirty time. I didn't have a relationship with Regions bank for most of XX/XX/XXXX. To say that counts as a full day it pretty ridiculous. I know the charged amount " cleared '' early in the morning, earlier than the time I actually opened my account on XX/XX/XXXX. So not only were the purchases certainly completed before thirty days within opening my account, they " cleared '' before the thirty days ( 24 hours ), I opened the account. 


Regions Bank made me an offer and it making up the definition of a day