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

On XX/XX/XXXX, I contacted Citi ( Best Buy VISA ) customer service via secured message to inform them of expected travel dates. The following automated response was sent back : " We appreciate the opportunity to assist you and hope the following addresses your inquiry. 

Our Fraud Early Warning department can customize a travel suppression to accommodate your needs while traveling. Please contact Customer Service at the phone number shown at the bottom of any Account Online screen within 24/48 hours of your pending travel. When you call, a representative will ask you for the following information and can discuss international or foreign fees : 1 ) CARD NUMBERS YOU WILL BE USING 2 ) WHEN TRAVEL WILL BEGIN 3 ) WHEN TRAVEL WILL END 4 ) WHAT STATES WILL YOU BE USING CARD 5 ) ESTIMATED TOTAL AMOUNT YOU WILL BE CHARGING 6 ) ESTIMATED NUMBER OF TRANSACTIONS 7 ) PHONE NUMBER WHERE YOU CAN BE REACHED.

We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives at the phone number shown at the bottom of any Account Online. '' May I refer to a previous complaint # XXXX that was filed for this exact same issue with this credit card company. In their response, I was advised that these security measures were not needed and that their office had notated my account accordingly with regard to the travel notification. Unfortunately, I am finding myself with this same problem and their last message was " we'll get back to you. '' I will be leaving on my trip on XXXX. 

For this reason, I request your office 's assistance in getting this matter resolved, as I believe that I have communicated adequately and securely with this company only to be ignored. Thank you for you consideration of this complaint. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just amazed at what Key Bank sent me dated XX/XX/XXXX. Key bank is claiming that I was sent letters on the following dates :XX/XX/XXXX XX/XX/XXXX 
I never received anything and the tracking number XXXX ( see attached ), per USPS, is invalid. Proven by the tracking number, I do not think that they mailed me anything, I never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXX XXXX  account late, I have never paid the XXXX account late. TransUnion has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Product: Debt collection

In XXXX I got a personal loan from Check N Go. The loan was wrote off as bad debt and sold to XXXX XXXX XXXX. I received a call from them yesterday ( for the second time after talking to them a month ago ) from XXXX in reference to account number XXXX. The collection agent informed me that they were going to file criminal charges for fraud towards their company they were collecting for Check N Go as well as garnish my wages/bank for funds owed. I informed the representative I spoke with his company the month prior and informed I filed Bankruptcy in XXXX and it was discharged in XX/XX/XXXX. I informed Check N Go was in fact included. I informed the representative that this time they would be hearing from my attorney for pursing the debt after notification. I did contact my attorney and was told he would be sending a cease and desist notification as well as a notice of what could happen if they continue. I have also contacted the XXXX and MO attorney general ( since I work in Missouri, but live in XXXX ) and now you all. I don't want money, but I do want their predatory collection practices looked into and the company fined for threatening with out intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a XXXX XXXX XXXX account with Experian Credit Reporting. Specifically it showed a " late payment '', when there was no late payment. As a result of the dispute, Experian said the information XXXX submitted was correct. However, I received a notification on XX/XX/XXXX ( see attached ) that they deleted a new auto loan account with XXXX XXXX, which showed on the XX/XX/XXXX report ( see attached ). I did not dispute the XXXX XXXX account, and it was in no way involved with the XXXX XXXX XXXX account. Regardless, strangely enough, the XXXX XXXX XXXX account no longer shows up as a closed account at all. The XXXX XXXX account which did show as an active account, was deleted and does not show up as a closed account. Experian shows the " hard inquiry '' for the XXXX XXXX account, as well as showing the XXXX XXXX account on the XX/XX/XXXX credit report, ( see attached ). However, in regards to the CFPB I filed on XX/XX/XXXX about the XXXX XXXX issue, Experian says : -- -- -- -- - " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachment. In your dispute, you indicate your credit report is not showing an account. You are requesting to have this account added to your report. Regarding adding the account, Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. '' -- -- -- - I am not asking to have some random information inserted on my report, I am asking for Experian to add back, information that they deleted, which I did not ask to be removed. I have attached a snapshot of my XX/XX/XXXX Experian credit report showing the XXXX XXXX account on my file. I have also attached a copy of my XX/XX/XXXX Experian CR which does NOT show the Education First account, even as a closed account. I have also attached the notice of Experian removing the XXXX XXXX account and a snapshot showing my XXXX XXXX account activity, as an active account. I verified in XXXX and again this morning, that XXXX XXXX IS SENDING the required information to Experian, as well as to XXXX and XXXX. Experian saying they don't add information at the request of the consumer, but only from companies that submit info to them, why did it show up originally, only to have Experian DELETE it. This issue is an entirely Experian error, not XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of identity theft. I have numerous accounts on my report that wasnt opened by me, please remove these fraudulent items.
Product: Credit card

On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it 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
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card
Product: Credit reporting

I made an attempt to receive my free report from Experian via the usa.gov website but received an error and was instructed to call Experian for further instruction. Additionally I tried freecreditreport.com and was unable to obtain my report. The website would not allow me to progress beyond step 1. After entering the information, it would clear the information and force me to start again. After several attempts I decided to contact their product support and was unable to rectify the issue, being told to try again later and/or use XXXX on a windows computer ( what year is this? ).
Product: Payday loan, title loan, or personal loan

LightStream has discriminated against me, I applied for a personal line of credit of {$100000.00} on XX/XX/2022, and got denied. Emailed the company today XX/XX/2022 after having a hard time finding contact information on their website, and got a email back saying their email was full a few minutes after!
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXXSent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974, 15 U.S.C. 1681b Permissable purpose
Product: Student loan

in violation of 15 USC 1692 j, navient tricks the consumer into fictitious debt obligations through unfair and abusive practices. the facts are that no loan was given as the word is not defined by the FAIR DEBT COLLECTION PRACTICES ACT. I have requested that navient show the source of the alleged funding and proof that a loan was given. navient is using deceptive practices to enforce fraud and the contracts are invalid because of their use of silent jurisdictions, secret contracts, identity theft and commercial fraud to harm this consumer and natural person.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested verification about account, " XXXX XXXX XXXX XXXX  Account # XXXX ) " from Transunion credit reporting agency. 

They instead of sending me verification they sent me a letter stating that it was valid. 

on XX/XX/year> i requested it again and 30 days came and went and again they ignored my request to know the method of verification. 

Then in XXXX I filled a previous complaint with the cfpb and included all of my identification with the complaint if you look at that you will see, there response was to ask for the proof of identity that I already submitted with that complaint, because they are trying not to provide evidence that they did not follow the law. 

XXXX and XXXX has found this account to be fraudulent, so I am unsure how Transunion is verifying the same debt because XXXX XXXX compliance says that reporting should be accurate and consistent across all reporting agencies. 

3 times they have failed to provide me with the method of verification within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, and everything was fine before, but now there are these random discrepancies. I even refreshed the browser, hoping it was just a glitch, but the errors remained. Im pleading for the documents Ive sent to be carefully reviewed so I can stop worrying about this.
Product: Debt collection

XXXX XXXX XXXX had contacted me during my work hours I spoke to a young lady offering a a gift card for {$250.00} and I will receive magazines and can cancel any time. She then transferred my call to another representative that took my mail address. I never received the gift card but I did their magazines. They withdraw {$50.00} on XX/XX/XXXX through XX/XX/XXXX off my Checking account. I had recently moved from my original address and did not pay much attention with the plan to cancel the magazines. When I tried to cancel on XX/XX/XXXX they refused to cancel my policy saying they had send me a notice of renewal and since I did not sign they automatically sign you up for a year contract without my consent!!! I tried to explain that I moved and was not aware of the notice and tried to cancel with no success. I contacted my bank on XX/XX/XXXX to stop payment. The Bank also tried to contact XXXX XXXX XXXX to cancel payment and they were very rude not only towards me but to the Bank Representative refusing to cancel.My bank did warn them they will stop payment and they will be recorded as well of the conversation if they withdrew any more money from my account they will take action. Since than I keep getting harassed phone calls and mail by the company and recently a debt collector to collect the full amount of year contract. I need a resolution to stop this company, read reviews on line and I 'm not the only victim of this company.
Product: Money transfer, virtual currency, or money service

Fraud/scam through Wells FargoXXXX for {$1000.00} XXXX 

Received a text at XXXXXXXX XXXX on XX/XX/21 allegedly from Wells Fargo to confirm my money transfer via XXXX. I did not initiate that transfer; replied " no '' to the text. 

A phone call followed from seemingly the Wells Fargo fraud department ( number saved in my phone ). The caller explained that the money needed to be moved to a new account to avoid further XXXX transfer attempts. They had me create a new XXXX account with my name and phone number, no other information disclosed. My login information was not disclosed during the call. Then a {$1000.00} was transferred to a recipient with my name and my phone number. Turns out it was a fraud/scam - the money " has been received '', but not in my newly created XXXX account XXXX 

Wells Fargo has been contacted on XX/XX/21 to open a fraud investigation under Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX. 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX  XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Checking or savings account

This is a follow up on my complaint ID # XXXX ( though the update on that says the bank is still reviewing ). I have received an email from XXXX XXXX from Truist Bank stating that they have done all their procedures and followed all their laws and regulations and therefore they are not able to provide us the remaining balance of the stolen money from us. 
Here 's my complaint : 1. If Truist followed all their policies and procedures, how did the perpetrator able to open an account with Truist? Were the proper ID and documentation provided and thoroughly checked? What are their policies and procedures when opening an account with Truist?

2. I have complained that the account holder has committed a crime to collect money form us. What actions have they done to collect the money that has been withdrawn from that account?

3. Truist mentioned they complied to all applicable laws and regulations, particularly the Bank Secrecy Act. The money involved with us is over {$10000.00}. Was there any such filing done with the regulators involving the transaction of approximately $ XXXX wire fraud committed to us? 
4. If there's a crime committed, can they provide us any information on how we can file a complaint or have this person or organization prosecuted?
Product: Debt collection

Convergent Outsourcing is continuously reporting the same debt that is not owed by me for their client XXXX I have repeatedly asked the company and the companys they keep hiring to provide me the phone calls and case notes showing that XXXX never provided me with the service they I was falsely sold. 4 years later I have not received this information and now Convergent malpractices reporting the same account and money 3 times in a 2 week span. If you review my credit, I pay my bills and no debts for the past 10 years. They are doing this intentionally trying to use tactics to damage my credit. This should not be allowed to be done and should be considered against credit collections.