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

I applied for a Discover it card. The card is prepaid. I was going to use it to help repair my credit. During the application process I had to give them my banking information and deposit {$200.00} in order to get my card. Discover took my money and about 10 days later started to act hostile. They sent me an email in which they wanted me to fill out tax papers suppose for identification. Bare in mind Discover has already taken my {$200.00} and accessed my bank account. So to turn around now and tell me that they don't know who I am doesn't pass the smell test. 

1. They have my banking information 2. They had my SSN 3. They had my money ( prepaid credit card ) If anything I'm the one taking the risk. Then to top it off when my card arrives and I go to activate my card they want to restrict my card. I paid them {$200.00} of my hard earned money and they are telling me that if I use my card they will deny any thing I buy. 

I suspected it was because I am XXXX American and I told them to refund my money. Not sure that they will. Pretty sure what was suppose to happen was that they were suppose to just activate the card and wish me a good day. 

If they were going to reject me then don't take my money from the beginning. They already had all of my personal information. 

XXXX people have a hard enough time getting credit. But to be treated like a third class citizen ... it's a prepaid card ... my money! 

I think I was discriminated against. Card activation is suppose to be a simply process. 

XXXX XXXX XXXX Card number : XXXX Please help me. Thank you
Product: Debt collection

The Law Firm of Hunt & Henriques have continue to harass me about a Debt that I do n't owe. They claim it was a judgement againt me since noted has been more that 10years old. I have notified them to cease and desist but they continue and it is causing me undue stress. I am in the process of hiring an attorney to exercise my rights undr the FDCA with fines for this unscrupolous harassment. I need this law Firm -Debt collection investigated and fined because they are violating the law. I never had any contractual agreement with this law firm. I am on XXXX and what this firm is doing is an attempt to take advantage of people like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both all three credit reporting bureaus ( TransUnion, XXXX and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018. Also the phone number on TransUnion shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.
Product: Credit reporting

The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on equifax. I have contacted all three credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Please update the subject credit file to reflect the courts status of the debt as indicated Discharged in Chapter XXXX Bankruptcy. The Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a due or open balance of " {$0.00} '' on all accounts in collection with you that are included in my bankruptcy case ( Case # XXXX ). Continued reporting of a due balance is the creditor grantors attempt to collect on this debt. Reporting of a balance other than XXXX   shows my open credit being exceeded due to a balance being reported. 

The inaccurate reporting of this balance is causing me distress. This has put me under duress, I am left with no other option of relief to either pay the balance due or file suit. My intent will be to file suit against all parties in the parish of XXXX. XXXX, Louisiana if this issue is not rectified. All attempts have failed in working with your company, XXXX, XXXX, and XXXX  to correct the inaccurate reporting of information. Paying the balance open is against the bankruptcy courts order and relief granted under 11 U.S.C. 524. 

To the extent that any of the discharged debt is reporting other than a XXXX   balance, please consider this letter as my final dispute under the Fair Credit Reporting Act and your companies notice of negligence to the law and relief granted by the court. Consequently, I am requesting you to immediately report a XXXX balance and update XXXX, XXXX, and XXXX  file with accurate information. The Federal Trade Commission has been clear regarding how a furnisher must report information relating to the balance due post-bankruptcy. The Federal Trade Commission Official Staff Commentary to FCRA section 607, item 6 states the following : Content of Report : A consumer report need not be tailored to the users needs. It may contain any information that is complete, accurate, and not obsolete on the consumer who is the subject of the report. A consumer report may include an account that was discharged in bankruptcy ( as well as the bankruptcy itself ), as long as it reports a XXXX balance due to reflect the fact that the consumer is no longer liable for the debt. 

The Federal Trade Commissions guidance remains the last word on this issue from the regulatory side and courts still regularly rely on it. See XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX  XXXX ( XXXX. XX/XX/2015 ). 
Page 1 of 2 Pursuant to the Fair Credit Reporting Act you are required to investigate this complaint and promptly notify me of the results of your investigation. I request that you conduct an official review of the information to all credit reporting bureaus. If for any reason you decline to conduct that review and make the necessary changes, I request that you promptly advise me so that I can take additional steps necessary to protect myself. Thank you for your prompt assistance with this matter. 




___________________________________ Signed XXXX XXXX XXXX XXXX File : XXXX XXXX XXXX XXXX Re./ Regions CC : XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a closed account which is closed and paid in full. There is a comment that says late two or three times. I was never late on this account. The account is XXXX XXXX # XXXX. XXXX has not reported this account late at all which is the way it actually was. You have 30 Days to remove this derogatory statement from my report as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern, I was a victim of identify theft and I found out in XX/XX/XXXX. There were three inquiries that were made and some credit cards were closed. The following are the inquriries that are still showing up on my credit reports as of today : 1. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was advised by the XXXX XXXX to contact the banks for the inquiries listed above so that they can contact the bureaus. I spoke to XXXX on XX/XX/XXXX and they advised me that they have previously sent a letter to the bureaus to let them know this account was fraud months ago. As of now, the inquiry was never removed. XXXX in particular was a company that had an open line of credit which has since been removed. So why did the account get removed but not the inquiry? 

For XXXX XXXX, I spoke to them on XX/XX/XXXX and they advised me that the inquiry should fall off from the credit report as of next month because they had failed to successfully closed the account that I had fraud on. 

Lastly, XXXX XXXX XXXX XXXX XXXX was a company I called and they told me that they do not have my social security on file and that I should reach out to Equifax to have this removed which I already did but they have failed to do so. I submitted a dispute and they have failed to solve my problem.
Product: Student loan

Student Loan Consolidation. I was tricked to believe I was call XXXX XXXX XXXX but I really called a guy name XXXX XXXX he stated he went buy the name XXXX. A scam. I paid XXXX none of that went to my loan but to his pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and Experian have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
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 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX BANK XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 reporting, credit repair services, or other personal consumer reports

A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.
Product: Student loan

On multiple occasions between the end of XX/XX/XXXX to XX/XX/XXXX I made contact with Navient in regards to my private loan payment that was back into repayment. 

I spoke with a representative at length and explained that I was not in a position to afford a {$290.00} payment due to financial hardships-divorce single mom etc. The customer service representative went ahead and specifically communicated that she was going to place my loan into deferment for 1 year. I agreed to the terms and politely thanked the representative. About 2 weeks later my co-signer called me in regards to harassing phone calls happening multiple times a day in the mornings at about XXXX straight through the evening until XXXX. These calls state that I am past due on my payment etc. 

I explained to my co-signer that I spoke to someone and was able to place a deferment/forbearance on the account. I then called Navient again spoke to another customer service representative and explained how the week prior ( end of XX/XX/XXXX possibly first week in XX/XX/XXXX ) and the agreement that was made. 

The young woman reviewed my file and quickly apologized and stated, " I am so sorry but that person was not permitted to provide that information or that agreement to you. '' I was immediately irritated and asked what do you mean. She said they didn't know what they were doing and that this was not something they could provide me for my private loan. 

I then was placed on several holds where she informed me that there was nothing they could do to help my financial situation and when I stated then I was going to unfortunately default on my loan unless they can get my payment down to about {$150.00} a month. She then placed me on another hold and came back and said, " ok what I am going to do is set you up on a payment for 6 months of {$150.00}. '' I quickly responded that I could make that payment and set up an automatic recurring payment for the next 6 months. 

On XX/XX/XXXX that payment successfully cleared my bank account. Today,XX/XX/XXXX my co-signer contacted me saying that Navient has been calling him about me not making my {$290.00} payment. I then called Navient again and asked to speak to a rep. in private loans. Upon speaking with them she stated that my new plan of {$150.00} was denied. When I asked how it was denied because they already took my payment she placed me on a hold to speak to her manager. She then came back and told me that they would get everything corrected and I would be placed back on my interest bearing forbearance to only make the {$150.00} payments.
Product: Credit reporting or other personal consumer reports

Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/scrub>XXXX XXXX  2021, with an alleged collection amount of {$16000.00}. 

Concerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. 

Verification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. 

Cease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. 

Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.

Consumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.
Product: Credit reporting or other personal consumer reports

I am and identify theft victim. I have sent multiple dispute letters as well as ftc reports and police reports to all three credit reporting agencies as well as the furthers of the accounts in question with no results. The accounts still remain on my credit report impacting not on my score but my life as a whole. I have sent letters on XX/XX/XXXX all with no explanation of how it was investigated. I requested all fraudulent information be blocked from my report but it still remains after every attempt to dispute it from my report. I have no received any information supporting the claims that I owe this debt as well as verifying the accounts in question. Please assist me in connecting the necessary companies to have this information blocked and removed from my report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING CLOSED ACCOUNT WITH 3 LATES 30 AND 90 FOR XX/XX/2019-XX/XX/2019 
XXXX XXXX  XXXX I was never late during the month it shows on the report. IN MY PREVIOUS ATTEMPTS TO RESOLVE THIS ISSUE I HAVE SUBMITTED PROOF OF PMNT ON THIS ACCOUNT BUT YOU HAVE NOT CORRECTED OR DELETED THIS ERRONEOUS ACCOUNT. AT THIS POINT THIS ACCOUNT IS IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON 3 COUNTS. I HAVE PREPARRED MY COMPAINT TO FTC AND WILL FILE IF THIS IS NOT DELETED OR CORRECTED TO NO LATES, POSITIVE ACCOUNT WITHIN 15 DAYS OF THE RECEIPT OF THIS LETTER. 
XXXX XXXX  NOW RECEIVED 4 LETTER AND NUMEROUS CALLS IN ATTEMP FOR RESOLUTION AND HAS FAILED TO REPLY COMPLETELY
Product: Credit card

I am being charged interest from a 12 month interest free account with Zales Jewelers. I returned the ring only having it for 3 months, the ring was apparently defective, durning the 3 months, I had complained the diamonds were loose, then fell out..the ring was sent out for repair. I hardly had my wedding ring in my possession, so even after repair the diamonds fell out again, at this point, I Returned the ring and loose diamonds, and purchased a new & different ring ( # XXXX ring also placed on a 12 month interest free promo. ) The purchase amount of the returned ring continued to show on my billing statement throughout the year, and on 12 month promo, showing XXXX promos on my billing statement, XXXX was returned, I have called, complained, filed disputes, also faxed " return receipts '' to the disputes department as directed by their customer service associate, then when the first ring promo was up..I was then charged the years worth interest XX/XX/XXXX, I have filed several disputes and complained to the local Zales store, spoke with the manager XXXX, she also called the Comenity Zales credit card services, and once again, they said they had to file a dispute..I was told by XXXX, Zales Manager, they could not help me with this problem that the invoicing shows different on Commenity credit services, on their computer?? ( I faxed the receipts to Comenity ) and still sends me a " sorry your on promo and charged correctly ''. XXXX Zales manager also says the charges are incorrect. I also had to make a double payment XX/XX/XXXX, being told if I did not make a payment they could report me for having a dequlient account. Please help. I can give you receipts of the return and purchase..also dispute rejection letters..they always say give me 60 days, then it 's the same thing..rejection of the disputes! I was told by XXXX during the ring refund they could not refund the extended protection plan. So I have paid for the extended protection plan on both rings. 
XXXX of the returned receipts show " cash '' given back, I did not receive any cash, XXXX ( store manager ) can confirm, she called Commenity and let them know I did not receive cash, XXXX return receipt says " return '' XXXX receipt says exchange ''. The receipts are very confusing. 
I have all of my billing information, receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed online with both Transunion and XXXX. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account, a Savings account at the same time. The bank said if I set up direct deposit within XXXX  days of coupon enrollment, I would receive {$900.00} bonus. ( See photo XXXX ) .When I opened my checking account, the bank staff XXXX XXXX XXXX said he can help me to set up the deposit ( see photo2 ). He did not say I need to follow up or I need to check anything. I waited and waited till early of XXXX, I still didnt find the bonus deposited in my account. I went to the bank, XXXX then told me the set up process failed and I need to set up myself. I said XXXX months almost passed, will I still get my bonus, he said the bank will still give me the Bonus. ( Another bank staff, his supervisor named like XXXX was onsite and she also said that ). I hurried up and set up direct deposit. On XX/XX/XXXX, the first direct deposit amount showed in my checking account. I went to the bank and talked with XXXX, very unexpected for me, he said my direct deposit wasnt set up within XXXX days of coupon enrollment. I went to the bank several times, tried to explain the situation with Another bank staff XXXX XXXX XXXX and last talk with the bank manager, all of them said because my direct deposit set up was over XXXX  days of coupon enrollment, I couldnt get the {$700.00} Bonus. Please tell me, is the bank decision fair to customers like me? 

( Photo XXXX ) ( Photo XXXX, the bank set up direct deposit for me! )