23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across ALL THREE CREDIT REPORTING AGENCIES. The information in question is related to the following account : Account Name : XXXX Account Number : XXXX Upon reviewing my credit report, I have identified several inaccuracies in this account 's reporting. Specifically, there is an incorrect late payment reported for XX/XX/year>. I have consistently made on-time payments for this account, and the reported late payment is inaccurate. 
Due to this inaccuracy, I am formally requesting that the information be corrected to accurately reflect that all payments were made on time. If this information can not be verified as accurate, I request that it be updated to reflect timely payments as required by law.
Product: Prepaid card

There is an unauthorized transaction on the Vanilla Gift Card I purchased for {$500.00}. The transaction which I don't recognize is from XXXX amounting in {$370.00} which was on XX/XX/year>. I tried reaching out to the card company but got no help and was not able to connect with them in any way. Tried filing an dispute through the website but it keeps giving me XXXX  to solve without moving further. It then tells me to contact them but there is no way to connect with them on a call. The automated system tells me to file a dispute through the website.
Product: Debt collection

Inaccurrence with The Fair Credit Reporting Act XXXX account XXXX EXETER FINANCE LLC has violated my rights 15 USC 1681 section 602a states I have the right to my privacy 15 USC 1681 section 604 a section 2 It also stated to Consumer reporting agency can not furnish an account without my written consent of instructions 15 us code 1681a- definitions rules of construction exclusions except as provided in a paragraph the term Consumer Report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as a late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which violates the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

During the year XXXX regions bank has charged me overdraft fees in the amount of {$800.00}, all of which on my account balance showed enough money to cover every charge that was on my account. when regions were contacted about the overdrafts and the fee 's associated with regions informed me of the overdraft policy but was unable to explain how my balance was able to cover all the charges but then the next day have a negative balance and an overdraft fee for multiple charges. I contacted the main branch and brought bank statements and showed how the night before I had the money to cover every charge on my account then the next morning I would have a negative balance and several overdraft charges the banker called customer service and still could not give me an answer as to how this was happening but informed me that I had to pay the {$500.00} dollars after I had already paid {$300.00} of fee 's that they claimed was overdrafts. since then regions has charged off my account and Im unable to sign into regions at this time, I have switched banks still have all the same bills but have not had a single overdraft fee.
Product: Debt collection

This debt is not mine I have never had an account with Amsher. This debt has two collection agencies that are trying to collect on a debt that is not owed. Both Amsher and XXXX XXXX are trying to collect on the same debt that I do n't owe.
Product: Student loan

I have experienced resistance to receive information on the school misconduct loan discharge as well as the application from Navient. After much persistence on my behalf, Navient forwarded me application, but informed me that my application would be automatically denied. In XX/XX/XXXX, I submitted the application & received an email from Navient on XX/XX/XXXX, stating that my student loan did not qualify for discharge because the funds were sent directly to me & not the XXXX & also because XXXX XXXX XXXX was a non-profit school. I responded to Navient to provide with me with their eligibility criteria in which they are basing their school misconduct discharge decisions on, & also for the loan origination documents. I received my loan origination documents, however did not receive any information in regards to how Navient was basing their decisions. Upon reviewing the loan origination documents, the documents confirm that the funds were sent directly to XXXX XXXX XXXX  XXXX not directly to me as Navient is claiming. On XXXX XXXX, I received an official denial letter from Navient, once again stating that my loan did not qualify for discharge due to my loan being a private loan, & also the school being non-profit, referencing the Holder Rule federal regulation & siting 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  as the basis of their decision. I contacted the FTC for further information regarding their Holder Rule & upon researching the FTCs & The Project on Predatory Student Lending Holder Rule articles, the Holder Rule qualifies private student loans as part of the school misconduct loan discharge. Additionally, the federal case XXXX XXXX XXXX XXXX  XXXX XXXX that Navient is citing, the Memorandum Opinion applies to Truth-in-Lending Disclosure, Bankruptcy, & Unreasonable Credit & Appraisal fees as it pertains to Mortages, & is not an applicable motion pertaining to student loan misconduct discharge consumer protective rights.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX I Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA violations XXXX not my accounts XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7300.00} Status Account charged off. {$5900.00} written off. {$7300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8300.00} Status Account charged off.
Product: Prepaid card

Dear CFPB, I am writing to formally file a complaint against Vanilla Visa regarding their mishandling of an unauthorized transaction on my Vanilla Visa E-Gift Card. The companys failure to address this matter in a timely and professional manner has caused me significant frustration and concern. 

On XX/XX/XXXX, an unauthorized purchase of {$200.00} was made at XXXX using my Vanilla Visa E-Gift Card. I promptly reported the issue and was informed that the transaction needed to clear before I could file a dispute. I followed their instructions and officially submitted my dispute on XX/XX/XXXX. 

Since then, I have been repeatedly misled regarding the resolution timeline. I was initially told that a decision would be reached within 35 days or up to 30 days. However, despite multiple follow-ups, the issue remains unresolved. I was given specific resolution dates, including : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite these assurances, no action was taken, and I have only now been informedon XX/XX/XXXX, XXXX my case has just been escalated to their fraud department. This delay is unacceptable. 

Throughout this ordeal, Vanilla Visa has provided extremely poor customer service, offering little to no communication regarding the status of my dispute. In fact, the only written correspondence I have received throughout this entire process is the attached email. 

As a consumer, I feel completely unprotected and unsafe doing business with Vanilla Visa. I was the victim of an unauthorized transaction, yet I have been forced to chase after a resolution for months with no progress. The lack of accountability and transparency is deeply concerning. 

I urge the Consumer Financial Protection Bureau to investigate Vanilla Visas handling of fraud claims and ensure that consumers like myself receive the protection and support we are entitled to. I demand an immediate resolution in this matter. 

Thank you in advance for the assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED THE COMPANY NUMEROUS TIMES TO GET THIS ERROR UPDATED. Its reporting twice on my credit report. I have paid and settled this account but its still reporting monthly as a charge off, and its listed on my credit report twice. When I call they inform me when they switched from regular cards to chipped cards it ended up reporting twice on my report. I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to delete a fraudulent account in which I believe was opened by an ex spouse or family member in my name off my Equifax credit report for years now. The account was opened in 2019 with a balance due of {$3200.00}, which is not an account I ever opened. 
I have submitted my proof and information through identitytheft.gov, filed a police report, and disputed this account with both XXXX and XXXX, both which confirmed as true and removed completely from my account. Equifax continues to update my dispute as verified yet has never sent me proof of verification, the steps they took, and especially their compliance with the law and my rights under 15 USC 1681. 
The local police department reviewed security video footage as well as a handwriting analysis to compare signatures and confirmed this was an act of identity theft, Equifax still refused to remove the account which has had an enormous negative impact on my credit report effecting my life greatly. I am appalled at their lack of correspondence, and willingness to help another human being. I was even sent a letter saying they couldnt find my account or identify me as an existing human the same week they verified my dispute as accurate and remained on my credit. I am appalled by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DOB : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX/XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX {$2800.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX
Product: Checking or savings account

Signed up for a new checking account with Bank of America with the promotion to earn {$300.00} after {$4000.00} in direct deposits posted to the account. The direct deposits posted several months ago and the bonus has not shown up in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on TransUnion and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Checking or savings account

On Friday, XX/XX/2023, I initiated a transfer from my bank to my XXXX account. I had successfully done so a day or two before this time. On Friday, I received an error message saying that they had suspended my transfer and to contact the bank. This was an error with their system I was informed by the bank when I spoke with them the following day ( which was the earliest time I could contact them since the transfer was not during regular banking hours. ) I attempted to contact them three times at the earliest time listed for their hours, and couldn't get through to a customer care agent, as I was advised the bank was closed... even though it was supposed to be open. I called back later and was able to talk to an agent who did say the system had a problem, they were aware of the problem, and they were working to fix the problem, but had no estimate of when the problem would be resolved. I tried again the next day I believe, to see if it had been fixed, and it had been. However, this morning I was notified that the amount was transferred twice, due to this error on the bank 's end. This was very upsetting. This bank had taken over the bank I was initially banking with, and I had never experienced anything like this with the previous bank, or any other bank I've done business with in the past 30 years. Today, the customer " care '' representative told me " Mistakes happen. '' Well, not with my money, they don't. ( Their automated answering system is terrible, and the call dropped three times ( on their end as I made this call with a wired landline phone. Then I had to wait for 15 minutes on hold when I finally was able to complete the connection. ) She said that if they tried to fix it on their end it could take up to 10 days. She told me that I should just transfer the funds from XXXX back to my account. Yes, I already knew that, but I shouldn't have been inconvenienced because this bank made what could have been a serious mistake. I think this is very unprofessional of them. Her attitude was just the icing on the cake. I think it was a " mistake '' to hire HER. Also, it was a mistake for me to use this bank.
Product: Debt collection

GCS third party debt collector continues to harass me through email notifications ; I am liable for XXXX account previously closed, latter re-open in my name without my consent. XXXX   admitted due to there antiquated servers and networks resulted in data breach or cyber security attack. Kindly review the attachment of support of argument. 
GCS Services are culpable for damages under Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and other relief having violated FTC Act, 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Debt collection

I have a medical bill from my    XXXX   XXXX   . I am the insurer I always put myself as the responsible party. I asked the company to stop calling because we have a lot going on after a couple of deaths in our family. Now they are sending bills in my husbands name. I called them and they apparently know the law ... not so much. I work for a financial institution that is serious about deceptive practices and refuse to be bullied by this company and have my husbands name tarnished. I have never had anyone say they will send mail to my husband if I do n't pay my medical bills. This is also third party disclosure. Using your emergency contact to get a bill paid is really bad. I do n't have a problem paying I have a problem with deceptive practices  XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX  Tn  XXXX .  Call date  X/X/17    amount {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX. ( Please see page attached from my credit report showing the multiple accounts along with a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a customer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Company called Dynamic Recovery Solutions trying to collect a debt behalf of XXXX XXXX XXXX for the amount of {$6900.00} which is n't mine. I believe this is a fraud. 
Current Creditor : XXXX XXXX XXXX Current account No : XXXX Balance : {$6900.00}
Product: Credit card or prepaid card

I purchased a laptop on my Capital One credit card but the item received from the merchant is different from what was ordered and does not have active version of XXXX installed to it. I have tried to dispute this item with the credit card company but it is simply impossible to get hold of them. Also, their online self-service dispute tool does not work, instead providing a phone number where nobody is picking up or helping you. 

Transaction is : XX/XX/2019 XXXX* XXXX XXXX XXXX XXXX {$1800.00} Please initiate a dispute for this transaction as soon as possible. Thank you!