23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), 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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX of XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX on XX/XX/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 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 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 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Discover closed my credit card account following a clear verification error. I was asked to submit a IRS Consent Form 4506-T, and additionally I voluntarily submitted the last three months of bank statements as supplementary materials to aid the verification. At no point was I told what Discover needed to verify. Given that I recently moved address, and that my income level changed this year owing to my wife getting her first job, I believe an error was made in the verification - neither of these pieces of information would have been reflected in my previous tax returns. After phoning Discover I was told that closing my account was a " business decision '' and no further actions could be taken - why can Discover not tell me what the verification issue was and provide me with an opportunity to provide the correct documentation? I have never missed a payment and until this incident had a very favorable opinion of Discover, but I can no longer recommend that others do business with a company that will just arbitrarily close your account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX  accurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle filed to investigate my claims adequately. The informed me that recovery lost funds was impossible and tracking these transactions was unfeasible. The XXXXXXXX XXXX finding Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to unfreeze my Equifax credit report so that I can apply for a new credit card. For the last XXXX hours, the XXXX website does not work : when I sign in, I get a screen that says " We are temporarily unable to complete this request. '' I got this same response about 10 times over 48 hours. 

When I tried to call Equifax to unfreeze my report, their phone system malfunctions : It asks me to say or enter various data ( phone number, numerical portion of street address, etc. ). The system then fails to properly recognize some digits, whether entered by voice or on the phone 's touchpad. I've tried to use the phone system five times, entering the data both by voice and by touchpad, and I have not succeeded in getting through.
Product: Debt collection

GC Services has been charged with collecting a ticket debt of mine issued by the XXXX XXXX XXXX XXXX  in XXXX XXXX, CA. I had a fix it ticket in XXXX of XXXX, which I responded to by sending in proof of insurance. The courts claimed to have never received the paperwork and put the ticket into collections. I found out when receiving a mailing in early XX/XX/XXXX that had been forwarded from my old address to my current home. The original mailing was dated XX/XX/XXXX. I called the courts first and they told me that since the account had been handed over to GC services, they were the only people who could accept payment for my ticket. Because of the delay in the mail forwarding, my license has been suspended and I am not legally allowed to drive. I was supposed to receive testing for XXXX  due to my symptoms and could not get to the doctors appointment, not wanting to endanger the life of a rideshare driver. I have called GC services three times. Each time, I have been on hold for more than an hour waiting to speak to apparently the only people in the world who have the power to un-suspend my license. One time the call went as long as an hour and twenty two minutes. At the end of all three attempts, after hearing hold track that repeatedly said " someone will be with you shortly '' The call got hung up. They aren't doing their jobs, but the government has still given them sole power to release people 's drivers licenses? This disgusts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed this data in XXXX, letting XXXX know this civil case ( XXXX ) was satisfied and dismissed by the judge. I have not received any proof on a thorough investigation being conducted for the disposal of this case. This case was supposed to be disposed of since XXXX. It has been almost six years now, and it is still on my credit report. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

This is a continuation of the issue as detailed in complaint # XXXX.

After requesting a debt verification in a physical letter on XX/XX/XXXX, I received a phone call from someone claiming to be a representative of IQ Data International also operating as XXXX saying that they were aware of my request to verify the debt, and that they had attempted to collect a debt after the dispute was received, and they knew it to be already paid before any attempt to collect.

The representative promised to send a written response to my debt verification indicating that they had acted improperly and in error, and that the case had been closed.

To date I have not received a verification of the debt or the written response that was promised despite the deadline having passed.

IQ Data/XXXX is now refusing to respond to my communications.
Product: Checking or savings account

I was having trouble with withdrawals that I did not make.
Product: Credit card

I made a card payment on a Thursday via ACH. It cleared my bank the next day. Checked card it had not cleared the payment. Decided to wait until after the weekend. Wednesday the balance still had not been reduced. I called in the first person told me they couldn't apply the payment. I asked for an escalation. Happy to provide proof that the payment had cleared. They stated they knew it had cleared, but that I would need to wait an additional six days for it to clear because I had added a new account. This was in no way stated while adding the new account nor when making the payment. I inquired if I would be credited for the interest they would be earning on my money. I was informed I would not. So I closed the account. Extremely poor communication and customer service. I've spent ten years in the industry and that is some of the worst policy making I've ever seen.
Product: Debt collection

XX/XX/XXXX XXXX called me after I told them to put me on the dnc list and when I answered and they hung up XX/XX/XXXX XXXX called me again but I didnt get to answer XX/XX/XXXX XXXX called me but I didnt get to answer XX/XX/XXXX XXXX they called me they answered I asked to speak to a supervisor and the representative hung up on me so at XXXX tried to call back and they hung up on me again and at XXXX tried again same thing happened then at XXXX the same thing tried and no one answered then at. XXXX again finally called and got a supervisor and this is when I told her to put me on the dnc list
Product: Credit card

I applied for a Sephora Credit Card through Comenity Bank on XX/XX/XXXX. 
When I went in person to the store on XX/XX/XXXX, I was told I could not pay my credit card in person, but had to call. I called together with an associate and we were both told I could not pay without an account number. 
I do not have the associates name, but the store was : XXXX XXXX at XXXX, XXXX, XXXX  XXXX. 
I was told to wait up to 2 weeks for my card and account # to come in via mail. 
2 weeks pass, on XX/XX/XXXX, I call Comenity bank. I was assured that since it was the holidays, mail was a little slower and to call back if I dont get my account info within a week. ok fine. still within the 4 week limit so no worry of a late payment or anything of the sort. 
I then call XX/XX/XXXX. ok.. it's been a month now. just give me my account # so I can pay the balance. again, oh nothing will be added to your credit report, dont worry, we'll send another letter out. ok, fine. 
I EMAIL XX/XX/XXXX- hey, this needs to be taken care of. can I mail a check? anything? no one is helping me and ALL I want to do, is pay my balance. 
No response. 
XX/XX/XXXX : finally I received my account information via mail. Online system won't let me REGISTER in order to pay (?!?! ). Finally, I've had enough. I call and in the process get told I dont even have an account and nothing with my name/social security is coming up. I then get transferred TWICE because everyone is so confused on how to navigate the situation. Finally, they tell me to just pay via easy pay ( where I dont have to create an account ). ok fine. as long as I can pay im fine and will cancel this useless card. I go to easy pay.. oh would you look at that? I have a {$33.00} late fee. that's convenient? I tell them how many times I have called.. " ma'am, this is the first call we have gotten. '' I politely tell them to check their email as I had also sent a detailed call log of the amount of times I have reached out to them, telling her there may be nothing tied to my account because the online system isn't even recognizing my account. I even offer to send the email AGAIN to whatever email she can read at the moment. She refuses to check the email and says I either pay the late fee or get sent to collections. Are you insane? This is the most frustrating credit card I have ever received. just plain ridiculous. 
person I talked to at customer service that said there is nothing she can do to help : XXXX. Employee # : XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  Balance : {$840.00} ; XXXX XXXX  Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681. Furthermore, section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Credit card

I have a discovery card account that was fraud. I have filled out a FTC form to dispute this account.
Product: Credit card or prepaid card

On XX/XX/2020, I requested a balance transfer using my PenFed Power Cash Rewards credit card. The payment of {$510.00} went from Penfed to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX/XXXX  XXXX said they never received any payment. I contacted Penfed to inform them that XXXX/XXXX  XXXX  has not received the balance transfer payment. On XX/XX/2020 I had a conference call with a rep from Penfed by the name of XXXX and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so penfed could resend funds. XXXX said there was no payment showing in any of their systems to give Penfed a notice of payment rejection. XXXX from XXXX/XXXX  XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. 

After the conference call I was under the impression that Penfed would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at Penfed with regards to my missing balance transfer payment. On XX/XX/2020, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to XXXX instead of XXXX/XXXX  XXXX. XXXX is XXXX and XXXX XXXX parent company. Penfed has sent several messages to XXXX asking them to resend my payment. They claim they don't have the payment. He said pended 's system is possibly not detecting that something went wrong with the balance transfer payment and they have to wait until it's sent back to my credit card.
Product: Credit card or prepaid card

On XXXX, I called Penfed Federal Credit Union to activate my Cash Rewards Credit card that I had received in the mail, but had not used as of yet. I am XXXX XXXX military XXXX overseas.

After trying to navigate their automated menu twice and getting routed to their main menu each time, I tried to get a live agent on the phone.

After a 25 minute wait, I got an individual who kept me on hold but was an interlocutor with another department trying to get the card activated. After six more minutes and not acknowledging at all the excessive wait for a simple procedure such as activating a card, I was told that I had to call in with my number on file to activate the card. 

I explained again that since I was overseas and can not use my phone to make calls, but only to receive texts, and that I can only use an app such as XXXX or general phone service to call in, I couldn't do as he had asked. He simply said the agent he was speaking with couldn't fix my problem. I kept trying to tell him my situation and he simply steamrolled me not letting me finish my explanation. 

He then abruptly hung up. After such an experience with such a so-called 'military friendly ' bank, I have no recourse but to file with CFPB to report grossly abysmal customer service given the treatment and circumstances I faced trying to complete a simple task such as activating a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
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 XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.