23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a mortgage loan and XXXX XXXX  said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency Equifax, XXXX  and XXXX  and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX # XXXX Equifax and XXXX XXXX XXXX XXXX # XXXX Equifax XXXX XXXX  # XXXX Equifax XXXX XXXX XXXX  # XXXX XXXX XXXX , Equifax and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported as a result of unauthorized access to my personal information and should be removed immediately.

ACCOUNTS TO BE BLOCKED AND DELETED : XXXXXXXX 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: Prepaid card

I Have 3 AMEX ( American Express ) prepaid gift cards I have attempted to use in multiple locations ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ). All show active balances on Amex 's website, Amex advertises these cards as " widely accepted '', and all are consistently rejected when I attempt to make any purchase in any location. 

This widely tracks with online experiences of many others who have run into the same problems with their AMEX gift cards becoming largely useless, and I sincerely hope that beyond addressing this specific issue the CFPB is considering a more systemic investigation into AMEX 's business practices regarding these cards. 

I've attached screenshots of the balances of these three cards ( including expiration dated ), and the card numbers are below : {$50.00} - XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB 's choices do not allow me to select an accurate description of my problem. 

After XXXX  's security breach, I placed Security/Credit freezes with all 3 credit bureaus. 

No problems with XXXX, which was done online. However, Experian and XXXX both told me that " there were problems '' and that I could not continue ( I have copies of the exact wording if you need them ). They said I needed to mail them information. Neither told me what was wrong. 

So then I called them. Try to find a phone number! They 've done a great job at making it as difficult as possible to get their phone number, but I did wind up getting numbers. 

I was able to place my credit freeze using the phone and their automated systems. At least they told me I had successfully placed a freeze on my account and that they will mail me a confirmation. 

XXXX did not charge me - it never came up in the automated phone prompts. Maybe because of the mess they created? XXXX unexpectedly and very rapidly told me my 10-digit PIN which they generated and a confirmation number. I recorded both calls ( Experian and XXXX ) and XXXX did give an option to replay the long msg, but poor design. 

In XX/XX/XXXX I had a dispute with XXXX as they did not have my correct current address, which changed in XX/XX/XXXX. My driver 's license, mailing address, voter registration and even library card all had my current address, but not XXXX! They even had my mortgage of the house at the address where I was living but apparently did n't think I lived there. 

Summary of my complaints : 1. When they can not process your information, they do not tell you why ( sure, they may purposely want to keep it vague, but I 'm requesting a Freeze, not opening a new acct ). Here is Experian 's exact wording " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' 2. Wonder why the online method failed, but automated phone system worked. 

3. No phone numbers are given in their ' can not process ' message. 

4. Finding the correct phone number is difficult. Experian 's IL number ( listed on the site as XXXX ) rang once and disconnected, so I tried their CA number which said they were closed but then gave me the XXXX number which I was able to use. 

5. Credit bureaus must face stiffer penalties for poor data quality. They have too much power and are not responsive. If any fraudulent accounts were opened during the time a credit/security freeze was attempted and the time it actually happened, which could be a long time if someone used US Mail, they need to be held liable for all expenses incurred by the victim.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

About a week before my Citibank CD matured on XX/XX/XXXX, I called Citibank to give instruction on what to do with the CD at maturity as I was leaving for an international trip on XX/XX/XXXX, so it would be difficult to call that day. The agent that I spoke to told me that I needed to call on XX/XX/XXXX with the instruction and that she could not do anything in advance as that would trigger an early close out penalty fee. I repeated that I did not want to close the CD on the present day and that I only wanted to leave instruction on what to do at maturity as I did not want it to automatically renew. She insisted that I would need to call on the day of maturity to give instructions. I had also tried to find a way to complete this request on the Citi App but was unable to do so even though I used the Citi Live Chat for assistance. 

On XX/XX/XXXX, I called Citibank and spoke with an agent relaying specific instructions to close the 12 month, CD account that was maturing that day and to use the funds to open another CD with an 11 month term and a 5.25 % APY ( similar to another CD that I had recently opened ). I relayed that I was leaving for an international trip that day and would be out of country for XXXX weeks. 

When I returned from my trip, I logged on to my Citi App and saw that the CD had just automatically renewed at the same term of 12 months and 4 % APY. I was so upset because I had wasted so much time with 2 previous phone calls and they still did not do what I explicitly requested. I called for a 3rd time on XX/XX/XXXX and relayed to an agent what had occurred. I wanted my CD closed since it was the wrong product ( wrong term and wrong APY ) and I was so frustrated with their mistake and their refusal to correct it. They said that I would automatically be charged the early withdrawal penalty and there was nothing that they could do about it. 

I received my CD account closeout check for {$14000.00} on XX/XX/XXXX, although the account was funded with {$15000.00}. 

I called Citibank for a 4th time on XX/XX/XXXX to resolve this problem. I again requested a refund of the entire amount of the early withdrawal penalty as the CD was set up incorrectly despite my explicit instructions : I did not want the CD renewed. I had wanted a new CD opened with a different term and APY. I tried numerous times messaging them via their online chat since all the agents that I spoke to on the phone calls were unable to help me. There was no email or secure message avenue to contact them which I found even more frustrating as the phone calls were a dead end. 

I have attached Citibank 's email response that I received today on XX/XX/XXXX again refusing the refund of the early withdrawal penalty of {$100.00}. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX  XXXX Bankruptcy Discharged XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am now opting out of any and all authorization that I, as the consumer, may have given to XXXX written or verbal, PER 5 USC 6802.

15 USC 1681 Definitions ; rules of construction ( c ) The term consumer means an individual. ( d ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( 2 ) Exclusions. A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. THIS MEANS YOU NEED MY WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT. I DID NOT GIVE THIS AUTHORIZATION AND IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. ALSO SEE 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Accuracy & Fairness of credit reporting 15 USC 6801 Protection of nonpublic personal information 16 CFR 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION ; 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 USC 6802 says no disclosure unless given an opt out option. I was supposed to get an opt out option every 30 days and this didnt happen once.
Product: Debt collection

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and are being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I set up payments of {$290.00} per month with Comentity bank through XXXX XXXX. We set up a weekly payment plan, but my payment went from {$290.00} per month to {$400.00} per month when we set this up. I spoke to comentity and they were supposed to change this back to {$290.00} per month for my payment, divided out weekly, but I was stuck paying {$100.00} per week. I have tried to work with them to fix this and they haven't fixed it. I am now in arrears on this with them because I couldn't afford to pay them that much of a payment, and it never should have gone that high in the first place. 
I was just hit with 30 day lates on my credit for this in XXXX and XXXX, but i don't even know how when I have been making my payments.
Product: Money transfer, virtual currency, or money service

I bought my XXXX XXXX phone on XX/XX/2017. I was very excited to have a new phone that had advertised a plethora of amazing features. Including the best camera on the market, and unlimited photo memory. In addition to the top of the line features, XXXX included a leasing feature that was almost too go to be true. With Synchrony Bank you could get approved for the XXXX phone almost immediately and pay 0 % apr for 2 years. Well, as it turned out it was too good to be true. The product that I have received is nothing near to what was advertised. I got a phone that does not even receive text messages or phone calls half of the time! 

I called for help within 30 days and was given the complete run around from XXXX. They have no location where you can return your phone or get help. They have a service center in a remote location who's sole purpose is to deny customer refunds after getting faulty products ( out of their 15 day warranty ) anyone after will have to suffer a {$700.00} loss and get a REFURBISHED replacement of what was supposed to be a WORKING PHONE. 


So in Regards to Synchrony Bank, I had called to report XXXX XXXX False Advertising of providing a working phone and decent service. In hopes that they might protect me with a refund as any other bank would do in a fraudulent situation. Ie. XXXX, XXXX, XXXX XXXX ... All file claims within hours to protect customers. 

What I got was a claim that was filed and a letter that would be returned within 60 days by paper mail. Mind you, I have a life and can not sit and wait all day for paper mail which I did not receive because I had moved. This claim said that ( XXXX did not accept my claim because of the 15 Day Refund policy!!! ) I waited 60 days to hear the same thing XXXX told me about their Fraudulent activity. 

It has been about 7 months with a broken phone, I do not receive important calls or texts ever. They tried to troubleshoot but it still did not work. 

So what I want to know is why XXXX and Synchrony Bank are protecting either 's relaxed approach to customer fraud. I have paid {$700.00} and have been completely scammed by two of America 's biggest retailers. 


All of my calls were recorded, but the only answers I kept getting were the contractual agreements. Well I did not contractually agree to buy a faulty phone.
Product: Credit card or prepaid card

I have an issue with Capitol One. I have been attempting to gain online access to my credit card accounts for ( 3 ) years. I have 3 credit cards and I have never had on line access do to a glitch in their system. I have tried to resolve this issue for the past three years. They say their system will not let me in due to my hyphenated name ( I have been divorced for 24 years ). 
I can not access my cards on line, or by mobile application. I have begged the customer service team for help and resolution. I have spent almost XXXX hours on the phone with these people. 
I would like to file a clam. I do not have the same resources and rights as other consumers and my issues have never been resolved by the company. 

Pleas help me.
Product: Money transfer, virtual currency, or money service

So I was going to buy this computer program from the person. He said that it would be XXXX so I decided to buy it. PayPal charged me {$96.00} for the transaction on XX/XX/XXXX. Then PayPal would not except my dispute because it was disputed before. So PayPal wouldnt help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Equifax is listing erroneous and fraudulent information on my credit report. I have written Equifax last year XXXX and again on XX/XX/XXXX and have sent them the original documentation of my Identification and proof of address, that proves the information they have listed in my credit file is fraudulent. 

Fraudulent and erroneous Information listed on my credit report that needs to be removed Erroneous/Fraudulent Account : A. Creditor : XXXX XXXX XXXX/XXXX : Unknown Account I wrote this creditor in XX/XX/XXXX and requested documents, contracts or agreements with my signature showing that I owe them money. They responded stating that there was no account found and requested my social security number and additional information. I did not send this information because we have no contract, and they would have this information. This account had been removed from all 3 credit bureaus and has reappeared.. 

B. Creditor : XXXX XXXX Account Number is Unknown I also wrote twice to this alleged creditor requesting debt validation and an agreement with my signature and they had 30 days each time from receipt of letter to send to me, and they have not responded, but XXXX somehow " verifies '' this item as belonging to me. 


C. Creditor : XXXX XXXX Account Unknown Previously deleted account and re-appeared as XXXX. This is the same organization which could not adequately verify the debt and had been deleted. 



Equifax is not giving me a proper investigation and Equifax is knowingly and willfully placing fraudulent and erroneous information on my credit report. As you know consumers credit reports must be 100 % accurate, my credit report is not and XXXX is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was released as part of a breach due to insecure technology. Now I must take extra steps to ensure that my personal information will not be used for fraud purposes.
Product: Student loan

XXXX XXXX XXXX discharge. XX/XX/XXXX received letter from department of education stating that my loan is to be 100 % XXXX. XXXX of XXXX received letter from Federal XXXX XXXX office that my loan is approved to be completely discharged. XXXX of XXXX received letter from advantage that my loan was XXXX. XX/XX/XXXX, my account still show balance. The balance is a consolidated loan consisting of the discharged individual loans. I don't understand why the discharge didn't cancel out the consolidated loan. Contacted borrower defense office, rep said takes XXXX  years for group discharge to be finalized. This not according to what XXXXXXXX XXXX XXXX  stated as immediate relief. Why is taking so long to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.