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

I disputed a charge on my Netspend card, and instead of simply investigating the line item, the representative said he had cancelled the card and was mailing me out a new card within three days. I was on travel at the time and this action left me stranded overnight outside. 

Two weeks later, I went to my XXXX XXXX to retrieve the card, and I discovered that it had never been sent by Netspend. I called to inquire, and the new representative told me she would send out another card in three days. I asked to speak to a manager, hoping that a manager could order a same day or 24 hour delivery. ( Additionally, I asked if the money could be XXXX XXXX, wired into my bank account, or put onto another Netspend card I had purchased in the interim ; they refused all of these options. ) The manager I eventually spoke with cancelled the order of the second representative, telling me she was going to get the card to me faster, within two days. Instead, she failed to ship out a card. It is now two days later, weeks past the original error, and this company has kept me on hold for over an hour each time I call, causing my cell phone battery to die. Regardless, they have my phone number, my email address, and all the information they need to ship me out a new card, expedited. Additionally, Netspend has been charging {$1.00} for every transaction on the account, adding up to hundreds of fees. I would like those fees refunded in total due to this inconvenience. I had a lien put on my storage, I had to give up my car ... I have bills to pay and need access to my money!!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Citibank for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which provides protections to survivors of XXXX XXXX. I am a XXXX and XXXX of XXXX, and Citibank has failed to appropriately block the adverse account in my credit report that is a result of the XXXX  circumstances. FCRA Section 605C specifically mandates that credit reporting agencies and data furnishers must block adverse accounts that were a result of XXXX  within 4 business days of being notified. Citibank continues to report the account, even though I have submitted the necessary documentation to complete my request, including the victim determination document, adverse account information, and proof of identity. According to tracking, Citibank received the most recent mailing on XX/XX/2024, which was sent via certified mail. It is XX/XX/2024, which is well beyond the four-business-day period during which Citibank is required to remove the account from my credit report. To comply with FCRA requirements, the bank have established procedures for their credit bureau department to submit expedited requests. 

Citibank is negligently neglecting to take immediate action and block the account that was a result of XXXX XXXX, despite my exhaustive efforts to date. My financial well-being is being adversely affected, and the trauma I have already experienced has been heightened by the failure of Citibank to act. I have been working tirelessly to reclaim my life, including my financial well-being, since I was able to escape my dreadful circumstances, but Citibank is preventing my full recovery. 

I am currently in the process of trying to relocate to a new apartment, but I am unable to do so as a result of Citibank 's failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits the furnishing of the adverse account ( s ) of XXXX of XXXX  to any " consumer reporting agency '' as defined in section 603 ( f ). I have already received multiple apartment application declines due to the reporting of the adverse accounts. My life is at risk since I am confined to the same area and living circumstances. My life has already been threatened, and Citibank 's failure to comply with FCRA regulations could result in my death. I am trying to maintain calm and composure to address situations like the one I am currently in, but as a woman, I am terrified. Citibank is causing great damage to my XXXX XXXX amongst other things. 

Additionally, I have informed the bank of my intention to establish a repayment plan that is within my financial capacity. I will engage in this conversation directly with the bank ; however, in the interim, I am requesting assistance from all Federal agencies to hold Citibank accountable for their negligence. 

I will attach proof of identity, the adverse account information and victim determination letter to this complaint for record-keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed inquiries that I did not authorize made by the following companies XXXX XXXX  {$3900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX {$2500.00} OPENED XX/XX/XXXX XXXX XXXX  {$1200.00} OPENED XX/XX/XXXX JEFFERSON CAPITAL SYSTEMS LLC {$580.00} OPENED XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and review my credit report. This is a violation of the fair credit reporting act section 1681B ( c ) and a serious breach of my privacy, rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts, bearing my signature I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the fair credit reporting act section 611.

Thank you for your time and consideration. 

Sincerely XXXX 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 XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/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
Product: Student loan

Ed Financial cashed a check for {$7400.00} from my XXXX plan on XX/XX/XXXX. This money was never applied to my loan. I have a copy of the cashed check by their institution. In the last 40 days and several calls to customer service, ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ) the only answer I receive is that they dont know where the money is. Customer service clerk is XXXX and XXXX XXXX ) I will need to provide proof at the end of the year taxes that this money was applied to Education and that loan was payed. Ed Financial is offering no assistance and simply states they dont know where the money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB. 

Experian who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts listed below be removed immediately. 

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Experian written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX ( reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX ( reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX  days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX  days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX  days, It has now been over that period since your receipt of my letter.
Product: Debt collection

A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX in the hospital, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.
Product: Debt collection

Never heard of the company, Midwest Recovery Systems until I started getting calls week of XXXX XXXX. They never leave messages. Reviewed my XXXX report today to see they are stating I owe them {$800.00} from the original creditor XXXX XXXX. This company does not exist calling from different cell # 's in the state of Florida. State Of Florida is not in the Midwest that 's how sad this is. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this bill, which I do not. I am highly XXXX XXXX  and plan to go to local authorities.
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. 
XXXX Account xxxxxxxxxxxx XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account xxxxxx XXXX XXXX XXXX XXXX  Account xxxxxxxx XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

I fell behind on my mortgage and hired an attorney to help me apply for a loan modification with my lender Nationstar Mortgage in XX/XX/XXXX. I had submitted an application on my own back in XX/XX/XXXX and I was told by Nationstar verbally that I was going to be denied. My attorney helped me put together an updated complete new application, which also added a contributor income to solve my budget issue. This NEW application was forwarded to Nationstar on XX/XX/XXXX. I received a letter confirming my application was received on XX/XX/XXXX ( Attached ). My attorney has called Nationstar every week since then and was told the NEW application was under review and nothing was needed. By the time we hit XX/XX/XXXX my attorney advised me there was something wrong. Nationstar per RESPA Regulation X only has 30 days to make a decision and it had already been over 60 days. My attorney on XX/XX/XXXX ( Notes attached ) finally was able to determine that Nationstar did n't even have my NEW application in their system. They were still working on my old application from XX/XX/XXXX which did not have my additional income ( contributor ) of {$4000.00} per month. Nationstar point of contact asked my attorney to send the application again because it was lost, so my attorney forwarded it by email on that day. Now Nationstar is telling my attorney that they merged my old budget and application with my NEW application and they are denying me for a negative budget. Not only is Nationstar in violation of RESPA Regulation X for not completing the review and issuing me a denial or approval letter from my XX/XX/XXXX application, but they are also PURPOSELY using my old budget in order to purposely get me denied. I do not want my old budget used in my NEW application review. I provided an updated budget on XX/XX/XXXX ( Attached ). I never asked them to merge my old budget with my NEW budget. I submitted my NEW budget because my attorney counseled me on my budget and we made changes so I could balance my budget. Nationstar is purposely merging my old budget with my current budget solely to get me denied. My attorney states I qualify for Making Home Affordable ( Positive NPV attached ). Nationstar is either incompetent in processing my loan modification application or they are purposely evading review and using information that was already updated to purposely get me denied. In addition, the HAMP program is now expired and I DID apply before the cutoff. Nationstar never gave me my NPV chart from my applications in XX/XX/XXXX or XX/XX/XXXX. We are now going into XX/XX/XXXX!!!! and I am now being " DUAL TRACKED '' for foreclosure. My attorney states Nationstar is NOT supposed to merge my prior applications with my current updated, revised application. That in their opinion they are purposely evading review and using old, OUTDATED, information that I have already revised ( my budget ) so I can be able to afford my mortgage in order to purposely get me deneid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with XXXX and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXXXXXX XXXX XXXXXXXX Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

PORTFOLIO RECOV ASSOC Collections XXXX XXXX  {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

PORTFOLIO RECOV ASSOC Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan appeared on my XXXX report an account had been opened for a car loan with : Westlake Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted Westlake Financial on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with XXXX on XX/XX/XXXXXXXX Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called Westlake Financial again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account XXXX is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with XXXX dispute # XXXX and informed them again of my attempts to dispute with Westlake Financial. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers.
This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX XXXX Equifax on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified
Product: Credit card or prepaid card

I have been trying to make a payment on my XXXX, XXXX and Ann Taylor credit cards since XX/XX/22 without being able to get into the online system, XXXX XXXX or speak to anyone at Comenity Bank ( recently referenced as Bread XXXX  ) for 8 days. 
I was finally able to get into XXXX XXXX after numerous attempts and pay my Ulta and XXXX cards but still can not pay my Ann Taylor card. I called the Ann Taylor store to see if I could make a payment there and they said the system to make payments in the store has been unavailable for 8 days. I spoke to XXXX XXXX, a team lead at the XXXX XXXX store location, for an extended amount of time as she tried to do everything she could to help. All of the phone numbers on the back of the card, provided to the store and on XXXX for customer service are answered by an automated system which states the technical problem, says to call later and them disconnects your call.
Product: Credit card

I made a payment to XXXX XX/XX/XXXX for {$100.00}, my due date for this card is the XXXX of every month. The minimum payment is {$56.00}. I satisfied my financial obligation to the card before the due date. I also made a 2nd payment XX/XX/XXXX for {$150.00}. Today my bank account had an unauthorized withdraw for {$190.00} from XXXX, causing my account to be overdrawn. 
When i called XXXX i spoke with a lady XX/XX/XXXX/2025 between XXXX to XXXX. Who tried to tell me the payment was authorized because of an automatic payment that was scheduled. I informed her that the automatic payment would've took place on the XXXX when it was due, NOT the XXXX. 
She than told me that the amount of {$190.00} was the amount I owed as a minimum payment. Which i corrected her and said the minimum would be {$56.00}. She lied to me twice about this unauthorized charge. They told me to call my bank to stop the charge, my bank told me to call them to stop the charge and I didn't authorize it. 
My bank statements show ALL my authorized charges under XXXX XXXX XXXX " XXXX ''. This charge just says XXXX XXXX XXXX. So, no electronic payment was authorized, no consent was given, no annual fee. Nothing but an unauthorized charge forcing my account to go negative and their uncooperative staff and deceptive talk track UNWILLINGLY agreeing to stop payment and defending the unauthorize charge as if they thought I didn't know my own financial instruments. They said they would have a manager call me. They didn't call me. 
They stole {$190.00} from my account without my consent or authorization and tried to justify the charge unlawfully violating The Electronic Fund Transfer Act ( EFTA ) of 1978 ( 15 U.S.C. 1693 et seq. ) preventing credit card companies and other financial institutions from withdrawing money from your bank account without your authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a 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 XXXX days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Credit reporting or other personal consumer reports

This has been a XXXX, I am a victim of Identity theft and these accts are still on my credit profile, I have file an ftc report and have sent in letters but all these accts are still showing on my profile, This has stopped me from getting a home for my kids and family