23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a VISA debit card/ ATM card for my bank in XXXX XXXX XXXX XXXX  XXXX 

( THB = Thai Baht Currency ) During the period of : XXXX. XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX Fraudulent Transactions ( Called " Spending '' ) were made on my card for XXXX XXXX each, totalling = XXXX XXXX plus XXXX Fraudulent transactions ( Called " Spending '' ) of around XXXX XXXX each = Totaling THB XXXX XXXX |Fraudulent Transaction ( Called " Spending '' ) of THB XXXX on XXXX XX/XX/XXXX Total Fraudulent Transactions = THB XXXX I cancelled the card XXXX XX/XX/XXXX when I discovered the fraud. 
I contacted the bank. The told me to file a police report, which I did. The bank said the would make an investigation. I gave them a complete list of all fraudulent transactions. 
After 1 month I called the bank again. They said in effect, they would do nothing, it was not their problem! 

I called XXXX  Customer Support. They said they were not responsible for handling fraudulent transactions!! XXXX said they will do nothing!! 

The XXXX  website clearly states : " Zero Liability Policy : Use your XXXX XXXX to shop anywhere -- whether it's on the Internet or in a store -- and you are protected from unauthorized use of your XXXX  card. The XXXX XXXX XXXX policy eliminates consumer liability for fraudulent transactions. '' On XXXX XX/XX/XXXX I called XXXX customer support several times. They gave me the runaround. Finally I was told " This is not the responsibility XXXX. We can do nothing to help you ''. 

This response is a clear violation of XXXX 's own " Zero Liability Policy ''!!! 
XXXX has in fact committed gross fraud against it's own customers by loudly advertising their " Zero Liability Policy '', when in fact they will do absolutely nothing to refund fraudulent transactions on the VISA card. 

I demand that VISA pay Total Fraudulent Transactions = THB XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Care Credit, under Synchrony Bank ( the " Creditor '' ), apparently e-mailed me that they were closing my account immediately based on a recent credit inquiry even though my account was in good standing. When I spoke with the customer service agent on XX/XX/XXXX, she told me that my account was closed after an alert was sent to me via XXXX XXXX that the account was closed and an e-mail correspondence was sent to me. I checked my e-mail address that the credit card was registered to and I have received no such correspondence. 

Additionally, pursuant to the Credit Card Act of 2009 ( the " Act '' ), Care Credit is required to provide me with a 45 days ' notice of major changes to my account. Seeing as how I was not provided sufficient notice of this, they are in blatant violation of the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my Experian, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX.
Product: Credit card

I applied for an XXXX XXXX XXXX card ( issued by Barclays ) in XXXX, 2023 after receiving the application on an XXXX XXXX flight and being promised XXXX miles if I made any purchase within 90 days of card issuance. I completed the application properly, including my mailing address where I've resided for nearly 30 years. I never received my card within that 90 days, or at any time thereafter until I called in early XXXX. I called Barclays and had trouble getting through to Customer Service because they couldn't verify my account because the address I provided during the call did not match the address they had associated with my account. It became immediately evident that they'd entered the wrong address for me when setting up the account. I corrected this information during that call, so they issued me a " new '' card. But this also explains why I never received my card, since it had been mailed to the incorrect address they entered for me. Once this was cleared up, I asked that they be sure to add my XXXX miles as soon as I received my card and made my first purchase. They refused to do that because I hadn't made a purchase within 90 days of their initial issuance of the card which, due to their own address entry error, they had never mailed to my correct address. It is fraudulent for them to break their agreement when they made it impossible for me to make a required purchase due to their own failure to send my card to the correct address. Barclays refuses to take responsibility and will not allow me to communicate with anyone with authority to correct this error. They have also refused to send me a copy of my application which would reveal that I inserted my correct address and the account setup error resulting in them not sending me my card took place on their end, thus making it impossible for me to comply with their 90 day purchase condition. I am entitled to my miles, as this is the ONLY reason I applied for this card. They fall back on the argument that I should have called sooner. Aside from the fact that this is an irrelevant and spurious argument and not a legal condition of the agreement, I was 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 formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could not purchase vehicle due to erroneous credit file freeze by one Third Party reporting XXXX via XXXX XXXX and Experian- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!
Product: Debt collection

IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.
Product: Debt collection

I previously received letters in an attempt to collect a medical debt from XXXX XXXX XXXX XXXX. I never entered into an agreement with this company, have never signed a contract to do business with XXXX XXXX XXXX so therefore I do not owe them any monies. I never verbally or in written communication entered into a contract with this company.
Product: Debt collection

I have tried to resolve debit with XXXX XXXX XXXX, XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach. 

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.
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.

15 USC 1681 section 602a states : I have the right to privacy.

15 USC 1681 section 602a section2 stated : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity was found on my credit agency Experian account. Someone had stolen my name and social security number. I found out months later and made disputes and filed a police report locally as that is what Experian told me to do. I also was told to mail all credit agencies a police report and identifying information through the mail to request a 7 years extended fraud alert, which made me uncomfortable as all my identity information was in one place in the mail. I did so as the online download did not work and they will not do it over the phone. I sent reports registered mail XX/XX/22 to Experian and other 2 credit agencies. I pay for a membership with Experian. Experian does not note on my account if the extended fraud alert was added. I can not see information on the state/duration of my freeze on my profile. Nor can I reach a living person of the phone or email to verify. I emailed help from my account, but they told me they could not help me and referred me to a National Consumer Assistance Center, not Experian. I then tried again to use Experian download online to submit all of my personal identity information and police reports and identity fraud report ( FTC ) again. The website will not accept even one pdf at a time. It does not work. I did tell a dispute representative this in early XXXX. I can not reach a person in fraud dept. regarding freezes or alerts and I get no response sending sensitive documents by mail. Fraudulent accounts and identity theft took place through fraudulent data placed on my file and shared with utility companies, collectors and banks/credit cards by way of inquiries without my consent.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received the a response to cfpb complaint I file on XXXX XXXX to see cfpb complaint # XXXX to while there response was along the lines of due to privacy they can share the results of their investigation that the results will be sent in the mail however its been over XXXX weeks and I have not Received any correspondence from XXXX XXXX  is engaging in deceptive practice by using Lies and fabricated responses to To circumvent my right to dispute Inaccurate incorrect information to which is a violation of the FCRA. From light streams multiple responses To consumers grievances and complaints on cfpb XXXX platforms Can substantiate this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Debt collection

debt collector has tried to collect a debt on a XXXX XXXX that i have never lived in. request this debt collection to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX because they continue to report incorrect information about 2 old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXX 's online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX did was leave me a note saying that the EdFinancial information was correct. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial still had not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost 1 year ago - and since that time, EdFinancial has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why EdFinancial refuses to correct my information and why XXXX refuses to update the EdFinancial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Product: Checking or savings account

Date : XX/XX/2020 Amount : {$350.00} I issued the chargeback to my finacial institution. 
I tried to withdraw from the case since XXXX told me to do so. 
I tried to continue with the case and they said they cant do much since it was over the deadline and they told me to contact you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

On XX/XX/24 I received a crumbled escrow refund check payable to three successors on their account and who all live in separate states. I spoke to XXXX in their complaints department and was told rudely to sign the check and mail it to the others for them to so the same and cash it. However, banks require the physical presence of each person a check is payable to to be present upon cashing. She replied to this by saying each of has to send them a letter requesting individual checks of the evenly split escrow refund with a photo ID. 

I spoke to XXXX on XX/XX/24 and requested three separate checks because of the before mentioned reason and was told the individual checks would be mailed the next day. 

I think they are making this process more difficult than it needs to be intentionally because I have requested three separate checks multiple times from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, North Carolina State Employees Credit Union , and requested they report a line of credit ( {$500.00} ) to XXXX credit bureau . They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact XXXX  and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent?

This complaint is in conjunction with a previously file complaint against the credit bureaus.

Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home.

A timely response to this ongoing issue is imperative to the concerns of my family and I.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.