23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on XX/XX/2021 from Experian via email that my account information had been updated, my email was changed. I was asked to email them at XXXX if the change was not initiated by me, which it was not. I have not received any response to this email. I have subsequently been notified by my financial institutions that my credit report has changed. 

Today I tried to reach Experian by phone ( XXXX ). There is no way to reach a human. By way of the automated system, I placed a security alert on my account. Unfortunately, the system states information will be sent to me via EMAIL. Again, the email information has been fraudulently changed. I am at a loss for how to communicate with the company. I have tried to reset user name and password on my Experian account, and again, everything goes to the FRAUDULENT EMAIL. I am unable to fix this without assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have sent everything needed to remove this fraudulent collection and unknown inquiries off my report to Equifax. I sent a letter on XXXX XXXX and they refuse to delete. I know my laws and know per 15 USC 1681c-2 stating any fraudulent information must be blocked within 4 business days and this still hasnt been done. I also followed up and called Equifax 30 days after and they claimed they never got my letter so I faxed it in again. They then sent letters claiming items was verified without any back up documentation. I called equifax about 60 days from XXXX and they still havent sent a letter letting me know how they verified this collection agency or inquiries and I have already notified the creditor of the inquiries and they said they cant delete anything because equifax houses the info. Also sent a letter to XXXX XXXX which is a unknown account showing on my credit report and they failed to respond. This is a obvious failure to comply. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. This is something I can and will take to court if I need to. I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

Account : XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you I am expecting a response asap because I already feel like Equifax is taking advantage of me and ignoring my requests. I dont have any accounts on my equifax credit report tied to these inquiries I need them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela dept of edu has my accounts on credit report with reporting. I spoke to the company and they said Im current until XX/XX/XXXX. My credit is showing delinquent, they are not will to assist with letter showing good standing. 
Im a single mom trying to buy a house and this effecting me getting approved for any kind of house. 
Dates XX/XX/XXXX good standing and delinquent. Several accounts that contradict one another. Reached out to the company and they were not willing to help me. 
Thank you for your time, XXXX
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 XXXX  : Account Number : XXXX Account Name : XXXXXXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX 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 XX/XX/year> 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 card or prepaid card

On XX/XX/XXXX while on vacation in XXXX XXXX, I put  my credit card into an ATM and was quickly surrounded by five people while trying to enter information into the ATM.  While being distracted, the credit card must have come out of the machine and one of the five must have taken it.  When I couldn’t retrieve or find the card, the two men who had been there started walking quickly away.  It was then I realized my card had been taken, and returned to my hotel to report the theft. I reported the theft both on-line and with a phone call within an hour after the theft.  At the time of my report, cash had been removed and fraudulent charges made.  After numerous calls to the credit card company I was told I was not liable for those charges made on XX/XX/XXXX.However, on XX/XX/2019 I received a letter saying I needed to pay the $XXXX of fraudulent charges, along with transaction fees and interest.  The card company has closed the fraud investigation without warning or allowing us to dispute their letter.
Product: Money transfer, virtual currency, or money service

I recently opened an account with Venmo. After a few days, my account was frozen and ultimately indefinitely deactivated. In the course of this I received {$140.00}. Venmo now refuses to return the money to the original sender for 180 days. The first reason for the deactivation was that I violate the User Agreement. Then I was told that Venmo had concerns about my recent activity. Then I was told that Venmo had security concerns. Despite repeated requests that I be advised as to how I violated the User Agreement, what recent activity was concerning and what are the security concerns Venmo refuses to provide the information and continues to withhold the funds.
Product: Student loan

i consolidated my loan through XXXX XXXX, I had XXXX loans, they were charging me interest on each loan and when I talked to them to do this my understanding was that they would make the loans XXXX, so I was told to pay {$2500.00} to start with I which I could n't even tell where that was deducted. We have been paying more on the loan than they asked each month and we have been paying for about 16-17 years and still owe alot ... so each year we get a payment slip for 12 months, this year we did n't get one so I called and I was told that when it was time to make another payment we would get them, we are payed ahead to try to save on interest, so I tried to make payment on the phone and she wanted to charge me for the payment {$14.00}. I have never had anyone charge me to make a payment, because I did n't have slips to mail in ... .said I was paid up so until an actual payment was due they would not send payment slips ... and interest on XXXX accounts is not cheap ... this is not a consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted my previous complaint informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Debt collection

I've provided copy of receipt of payment that wasn't posted to my account. XXXX month pass due. Company have a agency putting notes on my door every month. I've ask them to stop, its public shame and harassing me and my family. my neighbors asking question about the notes on my door.
Product: Prepaid card

I have tried multiple times to use the balance of this American Express pre paid gift card and for some reason it doesnt not work at numberous merchants online or in store
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX
Product: Checking or savings account

I wrote a check to an individual, XXXX XXXX, Check # XXXX, in the amount of {$1600.00} on XX/XX/XXXX. The individual deposited the check the same day at XXXX XXXX, routing # XXXX. On Saturday, XX/XX/XXXX XXXX XXXX, XXXX, WV, notified the individual the check had the stale date of XX/XX/XXXX and would be held and not deposited. Since it was deposited in the ATM the check was scanned and sent to their Corporate Offices. The check was not going to be honored because of the incorrect year. I withdrew {$1600.00} cash from my checking account to give the individual in lieu of the check. However, on XX/XX/XXXX the check amount of {$1600.00} was deducted from my checking account, which is at Chase Bank. Since then, XXXX XXXX Fraud Department has been holding the funds. They want Chase to request the funds to be sent back. However, Chase states they can not recall or cancel the check since the funds have been sent to XXXX XXXX. I spoke to the XXXX XXXX Branch Manager, XXXX, who stated I had to get Chase to get the funds returned. I called Chase Bank, who transferred me to their Claims Department. The Claims Department stated they could not handle the issue since there isn't a claim. The Claims Department stated I would have to get the local branch to handle the issue. I called the XXXX number for Chase. I was instructed to go in person to the Chase local branch and request a recall for the check. If the local branch didn't know what to do I was to tell them to call Branch Support to complete the Recall. XXXX at the local branch called Branch Support and completed the form on line while I was there on XX/XX/XXXX. I waited one week and on XX/XX/XXXX called the local branch. XXXX was on vacation so I was connected with the branch manager. The branch manager stated he would have to make some calls to check the status. He called me back the same day and stated the recall was denied and if XXXX XXXX suspected Fraud they should have sent the funds back to the origin, which was my checking account. I called XXXX XXXX back today, XX/XX/XXXX and spoke to XXXX. The branch manager, XXXX, was on a conference call. I gave XXXX the information regarding the {$1600.00} transaction and hold so XXXX could make inquiries. XXXX stated XXXX would call me back today. I did not hear back from XXXX on XX/XX/XXXX. The {$1600.00} has been in the hands of XXXX XXXX for over 3 weeks now and they refuse to return the funds while Chase Bank states there is nothing they can do. I could certainly use some help as I am getting nowhere with either of these banks and I don't know who is wrong. I made the mistake with the year on the check but this is ridiculous to take this long to return the funds. I filed a complaint first against XXXX XXXX whose Corporate Office is demanding Chase provide an Indemnity letter. Chase Executive Offices were notified with complaint reference number XXXX on XX/XX/XXXX. To date Chase has failed to take any action or respond with their intentions. This is now 5 weeks and no closer to a resolution.
Product: Money transfer, virtual currency, or money service

I would like to get added to the cash app lawsuit settlement and get reimbursement for my account being closed for no reason I feel this is XXXX profiling and discrimination I contacted the company and let them know that I needed to evacuate due to the wildfire and they still close my account for no reason I would like to be compensated for the pain and suffering and I went through in the mental distress and the XXXX profiling I'm requesting reimbursement in the amount of XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( XXXX XXXX XXXX ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting
Product: Credit card or prepaid card

I have contacted American Express to assist with a duplicate rental car charge to no avail. XXXX has an authorization on my account for {$390.00} and made an additional transaction ( authorized for $ XXXX posted for {$390.00} ) on XX/XX/XXXX and posted it without my permission. American Express has refused to assist in disputing the second unauthorized transaction, citing system constraints that prevent them from deleting transactions. I only authorized 1 transaction ( {$390.00} final posting amount- originally authorized for {$390.00} ) onXX/XX/2019with XXXX and have returned the rental car. However, my account has two ( 2 ) transactions, one for the correct amount and one for {$390.00}. I did not authorize any additional transaction on XX/XX/XXXX or XX/XX/XXXX when returning the rental vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I certify I am telling the truth and only the truth and I did have this conversation and I was told what I state below. : Before opening the accounts I contacted Wells Fargo customer service. ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. To properly interpret the clause : You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX  months. On XX/XX/year> at XXXX XXXX  I spoke to XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the XXXX  months period begins from the date of the previous account opening.
Product: Debt collection

I submitted a complaint to CFPB in XXXX XXXX against debt collector LVNV Funding LLC concerning a debt I deny owing them and after requesting in writing that they stop all communications about this matter, they have contacted me yet again on XXXX/XXXX/XXXX regarding this debt. This Debt is past the statue of limitation, which they acknowledge in their most recent letter, yet they continue to ignore my written request to stop all written and verbal communications. 

I would like the harassment to stop and I am asking your office to contact them and put an end to this situation. Thank you.
Product: Credit card

I received my Wyndham XXXX XXXX credit card and activated on XX/XX/year> - but it arrived with no Wyndham Rewards number attached to it. In their own rules it says the rewards number provided on the card application will be used, and if it's invalid or not provided, then another will be created. A card should not have been issued without a rewards number at all, as the Wyndham rewards and diamond status are the entire point of getting this card. 

I gave my rewards number on the application. 

I even checked the Barclays app online portal and it says no rewards account has been enrolled for the credit card account. 

I contacted the Barclays online chat help on the app 7 days later ( XX/XX/year> ), they said they couldn't do anything and to call Barclays on the phone. Barclays confirmed there is no rewards account attached to the card ( should not be the case ). They said to call Wyndham rewards. Wyndham Rewards sent me back to Barclays. Every employee was saying I had to wait but couldn't say why. An arbitrary XXXX was told to me but no explanation of why. 30 days ( losing a month of possible points and delaying diamond status perks way too long ) was also given but without a reason as to why. 

The final person said they added my member number, and again to wait XXXX days - I assumed the wait was for Wyndham Rewards to accept the linked card but at least that it would show on my Barclays credit card account - but XXXX days later ( XX/XX/year> ) and my Barclays account still shows no member number attached. 

I have read online accounts of people having the same issue and waiting the XXXX days only for nothing to change. It seems they just automatically say to wait XXXX  days but it's arbitrary & just delay tactics. It also doesn't make sense as all it requires is an input of a number on an online profile. It's also massively and unfairly delaying the accrual of points and member status that is supposed to come with the credit card & entirely their mistake.
Product: Credit reporting or other personal consumer reports

Discover is furnishing information for an account to XXXX and XXXX that is false/misleading/inaccurate, yet continues to " verify '' information is " accurate as reported '' to both to XXXX and XXXX. At this point Discover knows or should know the information is inchoate because it contains multiple periods over which the account was alleged charged-off, to include periods which the account was paid as agreed ( see account/tradeline as reported by XXXX in attached file XXXX XXXX '' ). The account/tradeline as reported by XXXX and XXXX exhibit the same inconsistencies and thus it seems Discover has padded information to fit an alleged charge-off event on or around XX/XX/XXXX or XX/XX/XXXX ( see attached " XXXX '' ). In a XXXX XX/XX/XXXX response to CFPB complaint XXXX Discover alleges the event took place in XX/XX/XXXX, while its own system alleges a charge-off took place in early XX/XX/XXXX AFTER taking a payment that would have prevented the alleged charge-off from occurring ( see attached " discover_dispute_claims_with_docs.pdf '' ) Thus, Discover appears to be violating its responsibilities under 15 U.S. Code 1681s2 by furnishing information it knows or has reasonable cause to believe is inaccurate. Unfortunately, the CRAs have been all too willing to accept the inaccurate information and claim they have met their own responsibilities under 15 U.S. Code 1681, et. seq. when the account/tradeline is not being reported with maximum possible accuracy as required under 15 U.S. Code 1681e.