23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The Collection Agency - Patenaude and Felix - put a lien on my bank account and without warning extracted funds ( {$12.00} ) from my checking account. I subsequently called them and spoke to a representative offering to arrange a payment plan. He declined my offer insisting the only way to avoid having funds withdrawn from my bank account in the future would be to pay the entire balance in full immediately. Of course, this is impossible for me to do otherwise I 'd have done so by now. This concerns me greatly as I have a joint bank account with my wife. The thought of having funds withdrawn from our account is now something we constantly fear. I just want a payment plan that I can afford.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Product: Prepaid card

i tried sending emails to dispute the claim and i had sent multiple mails in forms like they had told me and ive barely got valid responses. Because someone had used the card and made purchases ive never did on it.
Product: Debt collection

I got a phone call from my sister on XX/XX/XXXX, stating at a company was trying to reach me regarding a debt. She gave me the number XXXX and claim # XXXX that they gave her. I called the number and didn't hear how they answered or the business they were with. They asked for the last 4 of my SSN and then repeated the entire number back to me. They told me they were contacting me about {$800.00} I owed Ace Cash Express from XX/XX/XXXX and asked if I intentionally closed my old bank account because they were looking at legal ramifications. I told them I never closed the account and it was never intentional, but I was going through a rough time and had paid the debt down to {$600.00}. I asked them the name of their company and they told me " This is statewide. We are a pre-litigation firm. '' They asked if I'd been served to appear in court at work or home and I said no. I told them I could pay the debt next month and then they said they needed to pre-qualify me for a payment arrangement and asked how often I got paid. I then asked them to mail me something in writing so I could verify the information. They refused, saying that if they did that, they couldn't help me and the company would be forced to have me appear in court. I told them I was just asking for verification of the debt. She told me she would transfer me to case management and when I said I just wanted it in writing and she wasn't helping me, she tried to transfer me again. I cut her off, saying to have a nice day and she screamed into the phone " have fun in court! ''
Product: Credit card

I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price.
Product: Debt collection

I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.
Product: Credit card

I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time, I I retunred items from another order which still have not been credited and just this week they did the same thing on some holiday gifts which I had to return. I have contacted thsm so many times but no one seems willing to step-up to just issue the credit. We agree on the amounts so there 's no issue there. Even though I clearly indicated that I was n't a credit back to my card they have now three times issued me gift cards. It seems really sketchy to me and I wonder if they can even legally do this? 
Sorry for any typos ... my computer is having trouble formatting this screen.
Product: Credit card

On XXXX, XXXX, i made a payment to my credit card with CapitalOne. 
Typically the payment will update the available balance to reflect the payment made. 
That day it did not, i called the company to ask why, they said that they were holding until the payment transaction processed, typically XXXX hours. on XX/XX/XXXX, my account was debited for the payment i made {$220.00} ), i waited a couple of days and called them to see why the payment had not been applied. They informed me today the that account was on hold until XX/XX/XXXX ( 26 days ). They acknowledge the payment, that the funds were received. The claim that this happens at random and that they have the right to do this according to the customer agreement. She confirmed that i have not made a late payment in years, they confirmed that the payment was not out of the typical modality. 
yet they can not be specific as to why it is being held.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : CHILDSUPPORT Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I was a victim of check fraud of {$1000.00} on XX/XX/XXXX. I had remote deposited the check in my savings account. When I realized that it was fraud, I went down to my branch to notify them. I never spent the money. I was told that if it happens again, my accounts will be closed. Meanwhile, both my savings and checking accounts were on hold and I had no access to my money. Both accounts were closed on XX/XX/XXXX. I had {$1300.00} in my checking account. I received a check from Chase for only {$440.00} on XX/XX/XXXX. I called the number XXXX on XX/XX/XXXX and was told that the check for {$900.00} must have been lost in the mail and another check was requested. Never received check. Called again on XX/XX/XXXX and was told a check was never issued for {$900.00} and that there were XXXX - {$300.00} checks holding up payment. The CR could not find any deposit for those XXXX checks and said he would request another check for {$900.00} be mailed. Never received a check. Called again on XX/XX/XXXX and was told a request for the {$900.00} was refused because the XXXX checks couldn't be verified. I was finally told which XXXX checks they were referring to and was able to get them verified. Was told a check would again be requested. Today is XX/XX/XXXX and still have not received my money. I have been without my money for XXXX  months!
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action. 

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report. 

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history.

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Immediate removal of the inaccurate information from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account : XXXX XXXX XXXX : {$470.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT.

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( XXXX XXXX XXXX has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX has been reporting inaccurate account type and monthly payment information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX OPENED XX/XX/2021 AMOUNT {$190.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.
Product: Credit reporting or other personal consumer reports

Please remove the following inaccurate names on my credit report due to Identity Theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please also remove the following Addresses I do not recognize 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax Information Services LLC concerning their handling of my credit report and their non-compliance with both federal regulations and industry standards. 

The issue at hand involves the inaccurate reporting of a XXXX XXXX XXXX account # XXXX, that has been improperly updated by Equifax. Specifically, the account in question, which was originally reported as a charge-off, has now been incorrectly recorded now as a closed charge-off account. This alteration contradicts the requirements set forth by IRS Code 1861s-2, which mandates that charge-offs should not be reported on a consumers credit report.

Moreover, this incorrect status update breaches the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681n. This section addresses civil liability for willful non-compliance, and in this case, XXXX deliberate misreporting this report constitutes a willful violation of the Acts accuracy standards. In addition to the above, the discrepancies in reporting are not only inconsistent with the practices observed by other major credit bureaus, such as XXXX and XXXX, but also undermine the integrity of my credit profile.
Product: Credit card or prepaid card

unethical evaluation of credit card application by US bank : I applied for the credit card with US bank, however, i was approved only for {$600.00} credit limit. I have a very good credit history but they still denied the increase in the credit limit. if my history was not good they should have denied the card at the first place. 
now they are not increasing the limit and issued me the card which is of no use to me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against inaccurate reporting on my credit report related to account number [ XXXX ] The account is reported inconsistently across TransUnion and XXXX, showing different dispute statuses. Additionally, the balance is listed as {$6400.00}, despite being marked as " Collection/Chargeoff, '' which suggests it should no longer be an active balance. The " Date of Last Payment '' and two-year payment history are missing from all reports, further indicating incomplete and inaccurate reporting. 

I have previously disputed this account with all three credit bureaus, but the issues remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681i ( failure to investigate ) and 15 U.S.C. 1681e ( b ) ( reporting inaccurate information ). 

I request that the CFPB investigate this matter, ensure proper verification, and mandate that the credit reporting agencies correct the inaccuracies or remove the account from my credit report if they can not verify the accuracy.
Product: Debt collection

I have been receiving multiple phone calls a day on my personal number. The representative has been asking from personal information that I refuse to give. I don't owe any collection debt that I am aware of. I pay all my bills on time. The representative was rude and threatening. I have never received any correspondence in the mail regarding a debt. They are now calling from different numbers. This is in reference to cks Financial which I have never heard of.
Product: Debt collection

I ordered my credit report and this account appeared on my credit report. this account does not belong to me Please remove I have contacted the creditors directly.
Product: Debt collection

I recently disputed a very old account that showed up on my credit report. A collection agency apparently got my cell phone number from that dispute and began calling me regularly demanding payment for an old XXXX account. I told them that I was only interested in paying the debt if it would be completely removed from my credit report. The representative said they were not able to do that, so I asked that she designate my telephone number do not contact. She said that I would have to submit a do not contact request in writing, but she would not give me the address of the business she was calling from. They have continued to call my cell phone.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the account listed as LVNVFUNDG ( XXXX ). This account has not been verified, lacks a listed original creditor, and is inaccurately reported as " 120 days late, '' which violates FCRA and FDCPA guidelines. Collection accounts can not report late payment statuses, and this reporting fails to meet the accuracy standards required by law. 

I urge LVNV Funding to reference XXXX XXXX XXXX, XXXX, where the court ruled in favor of the plaintiff for similar violations. Since the reporting is inaccurate and does not comply with FCRA and FDCPA requirements, I am demanding that this account is immediately removed from all credit reports. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Since I opened the " BankAmeriCard '' account # XXXX XXXX XXXX XXXX in XX/XX/2017 I have not received a paper monthly credit card statement by MAIL as I initially requested when I opened the account. 
I have visited my local Post Office on 3-separate occasions and they have informed me that they DO NOT receive any return items from Bank of America. 
Every month I carefully monitor my account to be certain that charges are valid and there is no suspicious activity. There has been no suspicious activity. 
But each and every month since XX/XX/2017, I have NOT received a paper statement from Bank of America as was initially requested both online and by telphone to Bank of America representatives. 
As a customer/consumer, it is impossible to understand how such a minor request can not be provided and it is especially disheartening when each and every month I DO receive all advertisements offering me loans and checking accounts and other BOA products, yet I can not get a paper copy of my monthly credit card statement causing me to have to print it on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX XXXX, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.
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.

The letters are stated with items and issues.

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 A
ny 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: Debt collection

Two debts on my collection from LVNV Funding LLC. Never borrowed or received any form of money from this company. My address is XXXX XXXX XXXX XXXX GA XXXX. I reported fraud coming from address XXXX