23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a Discover Bank customer and must escalate a very serious cheating incident by your customer service XXXX. On XXXX/XXXX/XXXX, I called your customer service to close my XXXX savings account. Meanwhile I requested the refund check of the remaining balance in my savings account. The customer service XXXX promised to send me the refund check by expedited mail XXXX XXXX XXXX. The name of this XXXX is XXXX XXXX and she is in XXXX XXXX XXXX location. 

Then on XXXX/XXXX/XXXX, I called your customer service to ask for the FedEx tracking number of my refund check. The customer service XXXX said that she will contact the back office and will call me back with FedEx tracking number. This time the customer service XXXX 's first name is XXXX and her agent ID # is XXXX. Today this XXXX called me back and told me that the refund check was mailed out on Monday via FedEx. However, she said she did n't have FedEx tracking # for me. 

This evening I had to call FedEx to inquire about this FedEx mail from Discover Bank. After I provided my mailing address to FedEx, I was informed that no FedEx package being sent to my address was found in their system. Apparently your XXXX customer service XXXX XXXX XXXX ID # XXXX ) was cheating on me because either the refund check has not been mailed out yet or it was mailed via regular post office mail instead of FedEx. 

I feel so frustrated that your Discover Bank customer service XXXX does n't have any business integrity but instead has been lying and cheating on customers. It is NOT acceptable to me. 

I request that Discover Bank XXXX XXXX to investigate this incident and take disciplinary action on the customer service XXXX who was cheating. Meanwhile, I request Discover Bank to compensate me {$100.00} for this incident. In addition, I ask your CEO to call me and tell me where my balance refund check is. My phone number is XXXX. I hope to resolve this incident with you before reporting to Consumer Financial Protection Bureau as well as all national media and social media. 

For you to locate my account, my address is XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX From XXXXXXXX XXXX XXXX and the Account # XXXX From XXXXXXXX XXXX XXXX XXXX XXXX, have 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or omit them immediately in my 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 or other personal consumer reports

Subject : Urgent Request for Investigation and Removal of Inaccurate Bankruptcy Information To Whom It May Concern, This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Type : XXXX  XXXX Bankruptcy Status : Discharged Filing Dates : o XXXX  : XX/XX/year> o Equifax : XX/XX/year> Closing Date : o XXXX  : XX/XX/year> o Equifax : Missing Court Information : o XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Federal Remarks Section : o Missing or incomplete across multiple bureaus. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information. 
Repeated Dispute Attempts I have submitted multiple written requests to resolve this matter, yet the inaccuracies persist. Your lack of corrective action reflects noncompliance with the FCRA and demonstrates a disregard for my rights as a consumer. 
This failure to act has caused undue stress and financial harm, as inaccurate bankruptcy information damages my ability to obtain credit and move forward financially.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims.Please delete the following accounts and inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Debt collection

this company named Gatestone keeps calling me about some online loan that was taken out in my name. I already provided my fraud report and now they are calling my ex-husband whom i have not been married to for years. I called and was left on hold. Then a XXXX or XXXX XXXX came on the line. I told her Gatestone must " cease and desist '' she told me she can't do that and needs her supervisor. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and know the laws and my rights as a consumer. I was left on hold for XXXX minutes and finally hung up. They continue to call me and other people for me. I had a horrible thing happen to me with this fraud and have been dealing with it for months. This Gatestone company is violating the FDCPA, specifically my cease and desist demand. I have consulted XXXX XXXX and will be filing suit against Gatestone. I've never been in collections in my life and this company is violating my rights and i'm sure several other consumers. XXXX has issued a call for Class Action as i'm sure we will have no issues with other consumers coming forward.
Product: Credit card

On XXXX/XXXX/XXXX I accepted a credit card promotional with BP through XXXX XXXX for 3.99 % plus {$50.00} fee with the terms " until paid ''. That account was then sold/transferred to Bank XXXX later the same year. The account was then sold/transferred to XXXX in XXXX. Each time the account was transferred/sold I had no problem, the payments, terms, and conditions were transferred without issue. I received a notice from XXXX that the account was being sold/transferred to Synchrony Bank earlier this year. I received a statement from XXXX for the period XXXX with a due date of XXXX/XXXX/XXXX. I received a notice that any payments made AFTER XXXX/XXXX/XXXX would be returned. At that time I had not received ANYTHING from Synchrony Bank. By anything I mean including not receiving any instructions advising of directing payment to another address. I made the payment to XXXX with a payment date of XXXX/XXXX/XXXX through ACH. As of today it was not processed but I was unaware of that until after I received a statement from Synchrony Bank on XXXX/XXXX/XXXX. The statement from Synchrony was the XXXX thing I received from Synchrony. The statement included a {$25.00} late fee and they changed the terms of my original transaction from 3.99 % until paid to 13.49 % until XXXX/XXXX/XXXX. I called the bank and the {$25.00} fee will be waived but they continue to have the account at 13.49 % and it will go higher unless paid in full by XXXX/XXXX/XXXX. I have not agreed to any change of terms and do not believe Synchrony has the legal right to change the original terms since I have met all of the conditions of the agreement by making he payments each month. I spent over an hour on the phone with different " customer service '' reps on XXXX/XXXX/XXXX and was told to both mail and fax copies of all of my information including a copy of the original agreement from XXXX. They said they would review the information and take it under advisement but in the meantime the balance remains at 13.49 % until XXXX/XXXX/XXXX at which time it will go somewhere around 24 %. I asked for a number to call and speak with someone in the department that reviews and was told they do not accept phone calls. I think it is unreasonable to expect me to have copies of the original agreement from XXXX but as it turns out I do have a copy of the original offer.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian is not offering a credit report onine and there is not an employee available to answer questions or help. Their phone is onloy automated. 



The corrections have not been made on the report.The staff is not trained in credit llaw or state licened.
Product: Student loan

Navient Account # XXXX Starting in XX/XX/XXXX, I had set up an interest only payment plan for 6 months with Navient. Their program allows you to switch from full payment, to interest only payments for up to 6 months. 

I have always paid my Navient loans on time, and have never missed a payment. 

Since switching to the interest only payments, Navient has consistently messed up on the allocation of funds. Even though they are the ones that established the monthly amount of {$570.00}, every month once payment is applied they tell me I underpaid. 

That means that every month I 've been on this program, I 've had to call in after payment was made, and have them put me on hold for 30 minutes just so they can fix the account. Each time they tell me that the problem has been resolved and it wo n't happen again, but it does. 

Now they are sending me e-mails and letters saying that I 'm past due again ( for XX/XX/XXXX ). 

They also changed the amount I needed to pay during the interest only period due to their calculation error. 

The whole process has been horribly handled, but since it 's the largest provider in the US, they  do n't seem to care at all about my situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX XXXXdentity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5XXXX XXXX 6.XXXX  XXXX  XXXX XXXX 7XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXXXXXX 9.XXXX  XXXX XXXX 10.XXXX XXXX XXXX XXXXXXXX PLEASE help me resolve this issues and remove these fraudulent items from my credit report.
Product: Credit card or prepaid card

Ive had my account with Kohls for 12 years. Never a late paymentand I always used it. last payment was made XXXX XXXX it was closed XX/XX/XXXX XXXX the last 4 times i have shopped there the store associate would say my card didnt work. I didnt have time to call but today i did as i was blck shopping for XXXX and spent XXXX. When i called they said my account was closed by the credit bureau. I have never heard of that and they refused to reistate my account. Please help me.
Product: Vehicle loan or lease

To whom it XXXX concern. I am requesting a copy of the 1099c form filed on this account, Santander Consumer USA, XX/XX/year>. If you guys dont send the form within 15 days Im requesting a removal of the account. If the request is not met a timely manner under the FCRA, I will be suing for statutory damages for any creditor that furnishes inaccurate information about a debt, incorrectly reporting a charge-off claiming that I owe a the debt. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.
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 168b permissible purposes of consumer reports. 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. 

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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my financial institution XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have any knowledge of the said account Midland Credit Management I have contact this company in the past & thru CFPB asking for validation of this account the out come is always a letter stating that the info is correct! How is this info correct? How did you verify this information to be correct? What proof do you have to show this info is correct? Can you please share with me how you found this info is correct? I tried to request verification online today thru XXXX & i received a statement saying that MIDLAND wo n't reinvestigate this matter but it was never proven to me how is was my debt! I have attach the letter that was sent to me just stating that the info is correct
Product: Checking or savings account

On XX/XX/2024, I deposited a check for {$2600.00} from my XXXX XXXX  account and deposited it to my Wells Fargo bank. They claimed there were insufficient funds but the check never bounced. I called XXXX XXXX which I drew the check from and they said the check was cashed by Wells Fargo and there were enough funds to cover the check. Wells Fargo refuses to release my funds claiming they need to call XXXX XXXX  and XXXX XXXX  won't answer. They are claiming I have to wait until XX/XX/XXXX to get my funds. My next action is to contact a lawyer.