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

I purchased a prepaid Vanilla gift card on XXXX day ( XX/XX/22 ) the next day we went to use the card and it was empty. When I checked the balance online, it was used somewhere else in the state. I filed a complaint and did everything they asked me to including send a photo of my ID and all sorts of things. They said I had to wait 3 months and I did. I called again after 3 months and they said they mailed it and it would be here on XX/XX/XXXX. I waited and it still did not come. I have emailed and emailed and emailed and have gotten XXXX response. I've called and waited on hold for over 35 minutes. The last time I called they said that the case was closed because I already received a new card. I told them I HAD NOT. They said they would send another one and here I am waiting AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : Complain against TransUnion-Consumer for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit by XX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXX XXXX XXXX credit card ). 


Hello CFPB, Because of negligence by TransUnion-Consumer, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including TransUnion-Consumer ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX XXXX are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, TransUnion-Consumer futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 
TransUnion-Consumer abaited the Auto Loan Dept. of companies such as XXXX XXXX services and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to TransUnion-Consumer, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including TransUnion-Consumer.
Product: Debt collection

I XXXX XXXX was contacted by mail from Lien enforcement inc about a debt I owed in the amount of {$3700.00} Around or on XX/XX/2023 for a car that was sold by me and my wife last year. I called on the XX/XX/2023 and talked to a representative named XXXX that was so rude and hung up after putting us on hold for what seemed like hours only because we said we had proof that the car was sold to him saying it wasnt registered, tagged, or smogged. He yelled and talked over us saying were pay out XXXX way or another
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my license over a year ago. I have near inquiries on my credit report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy in the reporting of my account with your company. 

During the XXXX pandemic, my payments were appropriately deferred under the XXXX XXXX. However, it has come to my attention that there is an erroneous report indicating a late payment in XX/XX/2020. I want to emphasize that this is inaccurate, and as per the XXXX XXXX, my payments were appropriately deferred during this period. 

This discrepancy is not only inaccurate but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as I am protected under the XXXX XXXX provisions. 

I kindly request the immediate correction of my credit report to reflect that my account is " paid as agreed '' with no late payments, considering the protections provided under the XXXX XXXX during the specified period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I never made this, I would like this removed. I don't know what XXXX  XXXX XXXX 

2. XXXX XXXX This is not my inquire, I never heard of this place. XXXX wasn't my address. I believe someone used my name. 

3. XXXX XXXX Date : XX/XX/XXXX I was never in XXXX, IL XXXX XXXX XXXX was never my address, this is a fraud address. I never lived there. 

4. XXXX XXXX XXXX Date:XXXX I would like this to be removed, the address is not mine. 

5. XXXX XXXX Date:XXXX  I didn't make this inquire, I would like to report this.
Product: Credit reporting or other personal consumer reports

The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past two years. recently Equifax for some reason allowed this company to have this back onto my credit report.

I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress.

Thank You
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX My clients pay me large amounts of money to place orders on their behalf. Typically my clients wire the money or give me a check. However one of my clients wanted to use their cards. I noticed in my business bank account on chase there was an area that said " accept card payments ''. It advertised that I could request money and send a link to my client to pay the requestd amount. So I set this up " accept card through my Chase business account so they could do so. 

The client paid the invoice of {$5600.00} through the link provided on the cc payment processor through Chase. A few days went by and I noticed the funds were not in my account and there was no way for me to digitally deposit them. I called Chase and they directed me to the " we pay '' department. They notified me that my account had been closed and the funds were under review and not to be released for at least 120 days. I asked why it was under review and they said they could not provide any information regarding the case. They told me I could appeal it by sending an email and documentation. I sent an appeal email with all documentation needed, invoice, receipts, and communication between my client and I. They denied my appeal and said I would have to wait 120 days to potentially receive the funds. 

This is my business and my income. And not only that, but it is now my client 's money being held. When asking for information, they stated they were not able to provide any information regarding the account. I am extremely frustrated and need a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

No proof provided under estoppel by silence ( Engelhardt v. Gravens ). I dispute debt, owe nothing to KIMBALL, TIREY, & ST. JOHN LLP. CA statute of limitations ( Code of Civil Procedure 337 ) may apply. Cease collection, requesting permanent removal from all major and secondary credit bureaus.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for their violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I am specifically concerned about the following actions taken by XXXX XXXX : Failure to Provide Validation : XXXX XXXX has placed a collection on my consumer report without providing the required validation information as outlined in XXXX2 CFR 1006.34 ( b ) ( 5 ). This information is essential for me to verify the accuracy of the debt.

Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of my right to dispute the debt is a clear violation of the FDCPA. 

XXXX and XXXX Practices : XXXX XXXX has engaged in false, misleading, and deceptive practices. They have no authority to furnish any account to a consumer reporting agency without providing the necessary disclosures, as outlined in 12 CFR 1006.344 ( d ) and 15 U.S.C. 1681-s 2 ( 7 ) ( A ). 

Unauthorized Communication : I am disputing the debt and revoking all rights of XXXX XXXX to communicate with me through email, text, or calls. 

I am requesting the following : Debt Validation and Verification : I request that XXXX XXXX provide me with complete validation and verification of the debt, including the purchase agreement between them and the original creditor. 
Licensing and Bonding Information : I request that XXXX XXXX furnish proof that they are licensed and bonded to operate as a debt collection agency. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX Magnolia Trl, XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I believe that XXXX XXXX 's actions are in direct violation of the FDCPA and I am seeking relief from these violations. Thank you for your prompt attention to this matter. 

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

FINANCIAL PACIFIC LEASING / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) 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 ; ( Please see attached )
Product: Debt collection

I ask Carter-Young to remove a account off my credit report or show me how its valid or verify it. When they could not they told me they would delete it. I feel like its a breach of my privacy, theft of my identity, and a improper use of my consumer report .Carter-Young is civilly liable pursuant 15 usc 1640 criminally pursuant 15 usc 1611. I demand compensation for their violations of the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a member of XXXX XXXX XXXX for 1 semester while in school ( fall XXXX ) before withdrawing from the school. 

I recently started to look into my credit and noticed a charge from the fraternity on my credit report ( in collections ). 

I first called the fraternity headquarters in XXXX of XXXX and asked what the charges were for and how I could resolve this issue as I know al of my dues were paid when I left the school. Headquarters, located in XXXX, told there me was nothing they could do and I would need to contact the chapter adviser. I left him 3 voicemails that all went unanswered. 

I reached back out to headquarters and again they advised me they could not/ would not take any action towards a chapter. 

XXXX of XXXX I disputed the charge through credit karma and nothing was done. 

XXXX of XXXX I relocated to Florida and was busy moving and settling in and did not bring the issue back up. 

XX/XX/XXXX of XXXX I reached out to the creditor and explained to them the situation on an online submission on their website. They reached out to me on XX/XX/XXXX and offered to settle for {$1100.00}. 

I obviously denied. 

Following on XX/XX/XXXX I reached out to XXXX XXXX, who the fraternity used for billing, and headquarters. Both by Email and I can forward all these emails to anyone who can help. 

XXXX XXXX did not answer so on XX/XX/XXXX I reached out again and did not hear back till XX/XX/XXXX. 
On XXXX I asked again for an itemized list of the charges which I received later in the day. 

I sent the itemized list along with an official transcript from XXXX XXXX  University to both XXXX XXXX   and XXXX XXXX XXXX showing that I was being charged for semesters I was not a student of the university and that all of my dues had been paid prior to leaving the school. 

XXXX XXXX has yet to answer. 

XXXX XXXX XXXX responded on XXXX stating they " understand my concern '' and they " encourage ( me ) to take any action I wish against the chapter ''. And that there was nothing they could do. 

The chapter adviser has been included in everyone of these emails, along with the chapter president and neither has responded. 

I have literally run out of every option possible to resolve these issues and have provided an overwhelming about of evidence showing these charges are not valid ; and the only person who can change then, XXXX XXXX, will not respond. 

I have a lot of emails I can forward showing the lack of assistance and communication from all parties involved besides my self.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Debt collection

Was contacted by American Coradius International LLC claiming I owed {$490.00} to XXXX XXXX. I have verified with XXXX I do not owe, nor have I ever owed this balance. The company offered a settlement to stop collection. After a bit of research online, it appears they do this regularly to scam people out of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an on-going issue with Equifax for the past year. The company has been reporting XXXX separate ( negative ) accounts on my credit file that are both in error and completely incorrect. Both accounts are for the same company XXXX XXXX XXXX XXXX. Both accounts are for the same exact thing and everything from the amounts, the " date open '', to the status etc are all incorrect and in error. I have reached out to Equifax a total of 3 times, disputing both accounts and have not received anything back aside from an updated letter stating " The information you disputed has been verified as accurate. '' The last XXXX disputes were sent certified mail which I have proof and still no resolution. I am requesting these inaccurate/incorrect accounts be removed from my credit file as soon as possible. Please assist me with this issue and I will provide any and all documentation that I have to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Balance Owed : {$17000.00}, I believe it was reporting in error.
Product: Credit card or prepaid card

This email is in regards an American Express offer of XXXX Hilton Honors XXXX XXXX after spending {$2000.00}. The offer is below. I was approved by American Express for this credit card and spent {$2500.00} in XXXX XXXX 



I opened a case with American Express which was a deceptive ad in violation of federal laws prohibiting deceptive practices. My American Express case number is XXXX card number XXXX. 



After I called as to when the XXXX Hilton points would be added to my account. I was told that I would not be able get those points after I met the qualifications and was led to believe I would get the points. It was a deceptive offer that AE has pulled before from the articles seen below. 



This was a deceptive offer to get me to spend {$2500.00} and then declined for the points. This violates federal laws prohibiting deceptive practices. 



I would not expect this from a corporation like American Express and feel taken advantage of and ripped off. 



Why is American Express deceiving consumers with offers they will not honor? 



This are some of the violations that American Express has been found guilty of and my issue is among these violations. 



CFPB Orders American Express to Pay {$85.00} XXXX Refund to Consumers Harmed by XXXX Credit Card Practices Deceived consumers who signed up for the American Express credit card program : Consumers were sometimes led to believe they would receive {$300.00} in addition to bonus points if they signed up for this American Express XXXX XXXX program. But consumers who met the qualifications did not receive the {$300.00}. This violates federal laws prohibiting deceptive practices. 
CFPB and American Express XXXX XXXX to Address Discriminatory Card Terms Consumers Harmed By Inferior Card Terms, Including Higher Interest Rates, Stricter Credit Cutoffs, and Less Debt Forgiveness, Receive Over {$95.00} XXXX in Redress
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act BMW FINANCIAL SERVICES has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im accordance FCRA. This creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 166N A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681 604 ( A ) Section 2 A consumer reporting agency ( CRA ) can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an erroneous collection report on my experian credit report multiple times with no avail. I have sent them the actual documents from the CA that proves that it is not even in my name ( name on CA documents is not even spelled the same as mine and signatture too. ) yet they still report this information. After i complain to experian and complain on here all the do is send me an updated copy of my report with the wrong information still.
Product: Credit card or prepaid card

I had a very large number of unauthorized charges stolen off my card Aprox XXXX I contacted Bank of America in regards to this, they quickly disputed the items and retuned a good portion of the stolen funds to my card, canceled my B of A debit card and issued me a new one. I was then instructed to call back as some of the charges were still pending ( {$270.00} ) and they couldnt do anything about those until they cleared. Ive been calling them for over 2 months now waiting on hold for an hour or more. They tell me theyve disputed the items and I wait patiently and nothing happens so I keep calling still nothing happens. Today XXXX I waited on hold for an hour and 45 minutes with no answer. Are you able to help me get the money back from B of A that was stolen from me? It seems B of A is unwilling to return my funds.