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

To Whom It May Concern : Discover was involved to get the case resolved on my behalf but they did nothing. Although I included all the support documentation from 3rd part government website showing that no service was rendered. The case was resolved into my favor, then, it got denied, and automatically got into the so called second review, which is basically a bit of time waste and then denial, since no one really looks into documents provided until CFPB gets involved. I contacted Discover few times, they said they will have a serious look into the issue and they will get back to me. But they never did. 

Summary of the service to be received : Attorney XXXX XXXX XXXX was contacted on XX/XX/XXXX for help in regards the driving ticket representation. He promised to get the traffic charges and we agreed upon 2 payments each of {$450.00}, total amount due would be {$900.00}. 

Ticket violation was XXXX ( DISREGARD TRAFFIC CONTROL DEVICE ). 

On XX/XX/XXXX Attorney XXXX XXXX XXXX left message saying I should pay the fine ( {$150.00} ) now and that I have an outstanding balance of {$450.00}. I checked on the phone, and it looked like the court was rescheduled from XX/XX/XXXX to XX/XX/XXXX so I was a bit confused if charges were dismissed, then why to pay the fine? Keep in mind that XXXX XXXX court payment processing website updates the info in real time. 


Then on XX/XX/XXXX Attorney XXXX XXXX XXXX sent multiple messages saying he is withdrawing from the case, keeps the funds and not going to help any further and I can deal on my own. Although not long ago he advised that the case is over, and 2 payments had to be made one for {$450.00} to pay the balance, and {$150.00} for fine ( for a dismissed charge ). 

On XX/XX/XXXX the payment however was made for {$450.00}, but {$600.00} were billed, saying the charges were dismissed. However, on a website when I checked, it says the ticket was paid on XX/XX/XXXX for DISREGARD TRAFFIC CONTROL DEVICE, which is the same charge as charged initially. 

At this point the situation is that Attorney XXXX XXXX XXXX was paid to get the charges dismissed, and in the end I got guilty as charged, had to pay the fine for the violation, and attorney for paying on my behalf the ticket online billed me {$900.00}. 

For dismissed charges you dont pay fines. 

For Discover disputes service I included the screen shots to see before/after the court dates to see that it updates info in real time, shows the charges, I also included the ticket information and highlighted another ticket what to look at ( original charge and to compare it with the website as well as how to XXXX XXXX XXXX to see the violation ( which is in the ticket ) and compare against the court website. 


You may also validate it here : XXXX XXXX XXXX enter ticket number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

I closed a CD account with Marcus by Goldman Sachs on XX/XX/2023, and asked for the funds to be sent to me via check. 

The check was lost during delivery and I immediately placed a ticket XXXX weeks after I was supposed to receive it. 

XXXX 's resolution was that I needed to wait for the original check to expire before they could send a replacement note. 

When the check expired XX/XX/XXXX, I reached out to verify it will be sent. They said it will take XXXX weeks for a new check to be issued, so I asked for it to be wired to me via XXXX  with an existing external account. They had to open a new Marcus account for me in order to make that transfer. During this time ( XXXX XXXX XXXX ), I called every three days to check on whether the funds will appear back on my dashboard. They responded each time that it will in 2-3 business days. 

Since then, this new account was never funded ( XXXX business days after creation ). I am still waiting for all of my funds which they owe. This money also lost a lot of interest opportunity due to this XXXX month delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identity Theft. When I was XXXX, and underage, multiple credit card accounts were opened in my name. With time, and lots of patience I have been able to resolve all these fraudulent accounts, and get them removed, as well as stop the fraudulent collection. Discover Credit Cards / Discover Financial Services has knowingly and willfully disregarded all attempts to resolve the fraudulent account opened in my name with them, and in contempt, has decided to fraudulently report a account that they have full knowledge of being opened in my name without authorization. 


They have also countered my dispute with the Credit Reporting Agencies ( XXXX  & XXXX  ) to remove the Identity Theft Reporting Block I AM legally entitled to under Federal Law. In addition, they have made attempts to collect on this debt that I do not owe. 

I am planning on pursuing extensive and substantial punitive damages against the company for their bad faith, and willful disregard for the law through my attorney, but I would also like the CFPB to investigate further. They need to be held accountable.
Product: Credit reporting or other personal consumer reports

Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Attention : Compliance Dept My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/XXXX. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on  X/X/17    regarding a bankruptcy appearing on my credit report and they have yet to resolve the dispute or remove the item. The dispute was said to be resolved by within 30 days but no later than  X/X/17   . I spoke with a representative from Equifax on  X/X/17    and they agreed that they had not resolved the dispute and that I would need to call back, but then tried to sell me credit protection coverage at a monthly cost. I spoke with another representative on  X/X/17    who also stated that the dispute was not resolved but would not give me any additional information and once again tried to sell me credit protection for a monthly fee but was not helpful to me once I declined the coverage. I submitted the dispute according to the proper guidelines and feel that Equifax is refusing to delete this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX. They can't even get simple fact correct anymore. Blame XXXX for this... It's ruined my life ... and these XXXX  joke about it probably!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2019 an apartment community ( XXXX XXXX ) allowed a tenant to use my personal information without my consent. I was not present at anytime the transaction was initiated. My signature does the match the signature used. My driver license was used without my consent. My license was texted or emailed to the community. However the transaction was performed I had no knowledge of it. I went to the property to dispute the activity and nothing was done about it. I did however notice the company is updating the false information as if it was a new credit entry. This activity is damaging to my credit report resulting in denials for credit. Additionally, Corelogic has tacked on {$1000.00} to go with this account. This is almost {$10000.00} worth of damages to my name and credit file.
Product: Credit card

I am writing to file a formal complaint against Discover Financial Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Discovers inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). 

In addition to the FCRA violations, Discover has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Discover Financial Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. 

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Discover Financial Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. 

Discover must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Product: Debt collection

In addition to complaint # XXXX and XXXX ( the original complaint ) they contacted another family member on XXXX XXXX, 2017. They contacted my aunt, stated they were trying to reach me regarding a serious legal matter. They also contacted my Grandmother 's home, I have no idea how they are even getting this information. They told my grandmother I would be jailed. My XXXX year old grandmother called me in a panic. The name of the person that made this call was XXXX XXXX? Not even sure that 's a legitimate name and the phone number is XXXX, file # XXXX. When I returned this call to speak with XXXX XXXX, I was told it had been dismissed and they could n't provide me any further information. How are these people getting away with this type of harassment. They contacted my job repeatedly after being asked not to. They called asking to speak with my HR department. They 've contacted every member of my family as if I 'm some type of criminal, then to say it was dismissed. This ca n't be legal and I would like answers. If I could sue this company or press charges, I absolutely would in a heartbeat!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00}.
Product: Credit reporting, credit repair services, 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 1681XXXX 

XXXX XXXX XXXX-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXXL-account number XXXX XXXX XXXX XXXX number XXXX 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 XXXX 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 or other personal consumer reports

I have been working on this inaccurate information on my account for how many months now. This XXXX XXXX XXXX  with the account number XXXX is reporting 100 % inaccurate. This account is paid in full and was never late. According to the provisions outlined in 15 USC 1666B, I believe these discrepancies constitute billing errors. It's important to note that I have consistently paid this account as agreed and on time. Therefore, the presence of these errors is concerning and appears to be in violation of regulatory standards. I have observed discrepancies in the reported balances and dates associated with this account.
Product: Credit reporting or other personal consumer reports

quifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was buy by Banco Popular de PR, on my credit report appear the loan by reliable with a XXXX + debt which is not correct and XXXX no longer exist is merged into Popular auto also popular auto   account appear double with two loans that are really the me with balance of over {$10000.00} plus the XXXX of XXXX. The actual amount owed is {$9100.00}. The bank is requesting reports, letters, complain to fix their accountability incompetence.
Product: Mortgage

They didnt try to help me, turn down my modification so I lost my house
Product: Credit reporting, credit repair services, or other personal consumer reports

My roommate did not pay his half of the rent. I paid what I owed. XXXX XXXX XXXX said that I would not have to worry about this and they would put the collection on XXXX XXXXXXXX XXXX account. I have attached evidence.
Product: Checking or savings account

On XX/XX/XXXX, a purchase of {$1900.00} was posted on my Citibank account. The transaction was made on XX/XX/XXXX, and the merchant was named " XXXX XXXX XXXX MD XXXX ''. It was via my debit card at that time with the ending XXXX. I never consumed at this merchant, not had I consumed at this type of merchant. I found out this fraud at XX/XX/XXXX when checking my Citi mobile app. I called the official number of Citi immediately after finding this out and received a case number " XXXX '' from the dispute department.

I also requested to stop my debit card immediately and to stop any online banking services. Thus, my debit card has been inactive for 2 months ( I still used ACH to pay for credit card, but not using debit card ). I was outside of US in another country during XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX I followed up with Citi, and they said the case was closed because there was not enough information. I requested to re-open the dispute and received another case number " XXXX ''. 

On XX/XX/XXXX, I followed up again and got noticed that the case was closed again, and I requested to re-open it, I received another case number of " XXXX ''. Being rejected twice by Citi, I asked for detailed reasons. They provided that " ( 1 ) the transaction was made online, so that although in the US I have not been outside of state CA, it could not be a proof of I could not consume at the merchant in state MD '' and " ( 2 ) I requested the replacement card 2 months after I filed the first dispute, and that was an evidence of me thinking my debit card as safe. '' Those reasons provided demonstrated extreme unprofessionalism and carelessness for customer of Citi. I follow up to them as " ( 1 ) if my account transaction history has been carefully checked, it could be easily found out that I have never consumed at this type of merchant. Also, the merchant seems to be camping, and I could not have benefitted from this service without physically being in MD, so there's no reason I could pay for it. I have never paid anything for others using my debit card '' and " ( 2 ) the request of replacement card was due to uncontrollable reasons of me not being in the US, and I have requested to stop my debit card and online banking services immediately after I found out this fraud. '' From these three interactions with Citi, I have been shocked by their irresponsible actions in protecting the financial security of their customers. Thus, I find it necessary to go to the government and seek more actions and professional help.