23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My issue is with Rushcard XXXX. Earlier this week I received an email stating there was going to be an update that eould cause an outage XXXX. Never would I have imagined an outage would mean an outage of my direct deposit. I can not explain the agony that this has caused my family. We are presently living from paycheck to paycheck like most americans and have {$0.00} to live off of until this matter is resolved. I have made countless attenpts to reach a live representative of Rushcard for an explanation and it seems as if they have completely cut their phones lines off as the automated system does nothing but disconnect the call without connecting to a representative. After doing some online research, I was able to find a phone number XXXX. I called and spoke to a representative named XXXX who was completely rude from the beginning of the call. It seemed as if he was overall frustrated from the XXXX calls that I am sure he received just like mine today. He would not let me complete a sentence, he did not give me an ETA. I asked for his supervisor 's name and he told me XXXX. I asked for the VP of the company 's name and he told me I could look it up on the website. He then proceeded to tell me there was XXXX calls waiting in queue as if it was my problem and hung up the phone in my face. I was unable to get through back through as it was after XXXX hours when i was finally connected to a rep. I was XXXX to the point of tears because I held on the phone for over 30 minutes just to be treated that way. As a consumer and a person who also works XXXX, I know the number XXXX rule is customer service. I am completely paranoid over the fact that my money is lingering out there and the only explanation I have gotten is a pitiful post on Rushcard 's XXXX page from the ownerXXXX. XXXX families are being affected by this " glitch '' and we have yet to get a satisfactory answer. I would really like for someone to assist me as well as the other families as I know this is not the American Way. Someone please help me! Please!
Product: Debt collection

I receive at least one phone call every single day from numerous numbers from PORTFOLIO RECOVERY. They have not left one message, I refuse to answer due to being told that if I do, they will restart my open date. Right now I am unable to pay off this debt to financial hardship. I feel as I am being harassed on a daily basis. As they the only debt collector to call me every day using a different number every time. Some say from a XXXX landline, others say XXXX XXXX - VoIP number. This has been going on now for several months if not longer. Thank you.
Product: Credit reporting or other personal consumer reports

This company is not showing the update balance on my account. They only report when they feel like it. Also, I have an closed account with them that is still showing up on my report with late payments
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I deposited a money order in the amount of {$490.00} into my business account at Navy Federal Credit Union in XXXX, SC. XX/XX/2021, I received a letter from navy federal saying my money order was returned. I then called XXXX XXXX to see what the problem was. XXXX XXXX told me my money order was cashed because I deposited into my account already. I was charged an overdraft fee because of it as well. Navy federal keeps responding with refer to make and when I do nothing is being done. I am getting very frustrated.
Product: Checking or savings account

On XX/XX/2023 two charges hit my account ; 'End Payment Processing ' in the amount of {$500.00} and XXXX XXXX ' in the amount of {$510.00}. I called America First Credit Union and advised them these charges were not made by me. They started an investigation and issued provisional credit for both amounts. On XX/XX/2023 I opened my account and there is a charge for {$510.00} XXXX Fraud Adjustment '. I contacted my bank, they stated that XXXX XXXX provided proof that I made this transaction and I would could contact XXXX XXXXXXXX or file a Civil Law Suite XXXX I immediately began searching for XXXX XXXX 's phone number to no avail to try to get this straightened out as I have nor will ever order from this site. XXXX XXXX does not have a customer service phone number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX and list of Inquiries. 

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

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XXXX, XX/XX/21 and no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Product: Credit reporting or other personal consumer reports

I did not give any consumer reporting agencies written permission to furnish XXXX XXXX XXXX accounts on my consumer report XXXX XXXX XXXX Account # XXXXXXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX15 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. The date of service is XX/XX/XXXX and also XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 

I have submitted all required documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions involved. Despite the severity of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been sparse, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling neglected and unsupported by the institution I trusted to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you implement measures to prevent such incidents from recurring, as it is evident that my personal information was mishandled and exploited. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing due to the negative marks made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that validate it. Based on the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. 

I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it with your company. 

I request that you stop contacting me or reporting until the companies can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, there is required documentation that has not been provided.
Product: Student loan

I am recently XXXX XXXX XXXX classes and have been for the third XXXX  and went through and looked at my financial aid money coming in and don't agree with what they're taking from me. They are taking transportation cost and personal expense cost and also living costs. That money should be coming to me each semester and they are taking that instead.
Product: Credit card

Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts where I have never been late, yet they are being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.
Product: Checking or savings account

My account was closed on XXXX and I had a Checking account, a savings account, and a credit builder account. My savings was migrated to my checking they say anyway but I ask for transaction statements they won't send them to me. But I received the check for my checking account and cashed it already. Now my credit builder account also had money in it when they closed my account but I never received the check for that one. It's been over 3 months now I've been calling and emailing them everyday to try and get a new one issued and sent to me but haven't been able to get anywhere with them at all.
Product: Debt collection

I did not have an account with Midland Credit Management. I demand this be removed from my credit report.
Product: Credit card or prepaid card

I was a cardholder of the Chase XXXX XXXX Rewards Visa XXXX credit card in XX/XX/XXXX-XX/XX/XXXX. This card came with a sign up bonus of three XXXX XXXX ( tier 1-4 ) free nights which I earned in XX/XX/XXXX. The nights can be used for the following year. During the year of XX/XX/XXXX, however, I experienced a series of health issues which prohibited me from traveling. I was in bed rest in almost the entire year, and I had a XXXX in XX/XX/XXXX. 

This credit card had a {$450.00} annual fee for the 1st year which increased to {$550.00} at renewal in XX/XX/XXXX. Given my health condition, I called Chase and XXXX XXXX Customer Services ( CS ) in early XX/XX/XXXX to discuss my situation. Chase confirmed my free nights should still be fine if I closed my credit card. XXXX XXXX responded that they would be willing to extend the free nights for me, but I need to call them again when those free nights are about to expire since their system doesnt allow them to extend the nights too early. 

Given the advices I got from Chase and XXXX XXXX, I closed my credit card afterwards. On XX/XX/XXXX, I called XXXX XXXX to extend the nights but only to be shocked that they said unable to do so since my credit card was canceled in XX/XX/XXXX. That was not my understanding from before from Chase or ever brought up when I first discussed with XXXX XXXX. Even the rep didnt realize the system requires the credit card. After talking with numerous people, a CS manager suggested me calling XXXX corporate office. I did, but after checking with his manager, the rep told me XXXX XXXX would not honor the bonus since that was part of Chase credit card promotion. 

Last month, I retrieved a copy of the Chase credit card terms. Clearly it does not say the free night bonuses require an active credit card. I then contacted Chase Executive Office. But after one month of research, the rep ( XXXX ) told me now there is nothing Chase can do but I should go back to talk to XXXX XXXX since Chase never took the bonus nights away after I closed my card. It was XXXX XXXX 's problem. 

This is an unbelievable example of how a customer can be misdirected, ripped off and unfairly treated by big companies like Chase and XXXX XXXX due to their own misunderstanding, miscommunications and misleading advice. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Ive sent a written dispute request to TransUnion of XXXX bankruptcies thats reporting on my credit report, asking that this be investigated and verified with reporter with the method of verification including 1.Name of the court house who supposedly reported the information to the credit bureau .

2.Name of the person at the court house who handled this verification request.

3. Address of the court house and phone number 4. Document obtained from the court house to verify the authenticity of the bankruptcy.

TransUnion responded to this 5/12/23 written request VERIFIED AS ACCURATE with NONE of the requested information of method of verification.

I contacted US bankruptcy court Michigan and they informed me and also sent me a letter stating they DO NOT report any bankruptcies to credit reporting agencies, nor do they update information directly to credit bureaus. 

XX/XX/XXXX Ive forwarded this letter from US bankruptcy court Michigan to the credit bureau TransUnion letting them know they initial response stating that the information was verified as accurate was either an error or an investigation was NOT done. 

XX/XX/XXXX Transunion responded with the same letter from the first corresponded stated that the information was VERIFIED AS ACCURATE Transunion has not provided me with me 1.Name of the court house who supposedly reported the information to the credit bureau .

2.Name of the person at the court house who handled this verification request.

3. Address of the court house and phone number 4. Document obtained from the court house to verify the authenticity of the bankruptcy.

In order to verify that information is correct, the information must come directly from the source who is reporting this information for it to be verified as ACCURATE. I believe Transunion did not do any investigation to verify this information with the reporting source because they did not provide me with the requested information and its proven US bankruptcy Michigan DO NOT report or update any information to credit bureaus. I will attach proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the United States XXXX Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as 100 percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion ; thereof : in which ; information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However ; such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019 I reported the following unauthorized charges on my Direct Express MasterCard Depbit card by phone. 

XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$2.00} XX/XX/2019 XXXX XXXX  XXXX, XXXX, CASH PURCHASE {$71.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$3.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$100.00} XX/XX/2019 XXXX XXXX  XXXX  XXXX XXXX, INTERNET, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$1.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$61.00} There are 10 separate charges in the total amount of {$390.00}. 

I also submit two written notifications. One as instructed by Direct Expressed and another written by myself. Both, were submitted  within the 10 day requirement per Direct Express instructions. 

On XX/XX/2019 Direct Express made the following adjustments to my account balance. 

XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$71.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$3.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$100.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$96.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$1.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$61.00} There were 8 separate credits in the total amount of {$330.00}. Which left an outstanding balance of {$56.00}. I was also charged for a replacement card in the amount of {$4.00}. As well as a fee for expedited delivery of my new card {$13.00} This new card was sent out in an expedited manner because the first replacement card never arrived. I was under the impression that there would be no charge. 

On XX/XX/2019 the following unexplained charges in the total amount of {$3.00} appeared on my card account. 

XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} All told the outstanding balance suffered by me personally for unauthorized fraudulent charges on my card is currently {$76.00}. 

When I phoned in to originally provide notification of the above unauthorized charges I was told that I would only be able to dispute 5 of the charges because the others were still pending. The charges that I was told I could dispute did not correspond to the charges that were presented on my online account. I objected. But, my objections were dismissed.
Product: Credit card or prepaid card

I applied for Chase card for myself only. Chase opened an account for me and my wife ( who does not want anything to do with Chase based on her past experience with Chase ). In the application, no information about my wife was provided.

When the new card account was created, it appears that Chase never closed my past accounts and retained all the information. It feels like they are storing private information on all who come into contact with them indefinitely. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine 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 FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX FCRA Violation XXXX not mine remove from account.