23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought an online subscription to XXXX for approximately {$120.00} dollars. I had signed up with my personal email account which I had a non-subscription account with the same website for previously. In XXXX 's system my subscription was then associated with the former/old username not my new username/account. 

When I contacted XXXX Customer Support they were to contact me back in 48 hours and did not. I then called their Customer Service and was told I would not be issued a refund and that this problem was " impossible. '' I then indicated that I would dispute the transaction with my credit card company, American Express. 

I opened the credit dispute with American Express eventually providing them with the Customer Support attempts at contact I had with XXXX and a Screen shot of my account from XXXX. This screen shot showed that I could not check my messages as my paid subscription was not recognized and for which American Express had record of withdrawal from my account for the transaction. I then called several separate divisions of American Express Customer Service and told them that was all the information that I had and that they could either be diligent & vigilant in attending to this matter and getting me my money that I was defrauded back or not. I was also told that I could not further escalate my concerns when multiple managers in their Customer Service divisions lied and told me they could not put me in contact with the corporate office. I then found their corporate office number online and called the following day. 

I received a call back and explained the issue and again stipulated that American Express should follow through on my legitimate transaction dispute and resolve the matter in a timely fashion. I received a call back a few days subsequent to that call from another person in their corporate office. I missed this call due to work and when I called back I left a voicemail explaining my reason for calling and requesting callback. Yesterday marked a full calendar week and several business days between their last call back and my last request for a call back. I left a voicemail largely stipulating the same information as my XXXX voicemail and this has not been returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX  XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX XXXX {$13000.00} XXXX updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the lack of response from your company regarding the disputes I have submitted for inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX detailing the errors and violations of my consumer rights, I have received no resolution or acknowledgment from your end. 

It has now been well over 30 days since I submitted my disputes, and your company has blatantly failed to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Specifically, you are in violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as disputed, as well as FCRA 605 ( c ) by running the reporting period despite inaccurate information being present on the account. 

Furthermore, your failure to validate the collection account in question constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

Attached to this letter are copies of all the dispute letters I have sent previously, clearly outlining the inaccuracies and violations present on my credit report. 

I demand that immediate action be taken to rectify these issues and ensure that my consumer rights are upheld. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal counsel and filing formal complaints with the appropriate regulatory bodies. 

I expect a prompt response and resolution to this matter within [ insert timeframe ]. Your cooperation in this regard is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the INQUIRIES listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the INQUIRIES below in my file as they fraudulent XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( Prosper Marketplace Personal Loan ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that consumer reporting agency can not furnish my 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 's credit plan as late for any purpose. My missed late payments that were under 60 days are current now. please assist in removing late payments.
Product: Student loan

I graduated from XXXX University 's accelerated XXXX program in XX/XX/2013and within 3 months my Navient ( formerly known as Sallie Mae ) private loans went into affect at a rate of {$1100.00}. As a new grad XXXX I hadn't even found a job yet and once I did find a job, my salary was not high enough to cover the loans with my additional expenses. I was able to put the loan into forbearance for a couple of months, until finding a job, but this added {$250.00} each month to my outstanding loan with interest rates as high as % 11. When I did find a job at XXXX as a XXXX working on a XXXX XXXX XXXX, my hourly wages were amongst some of the highest hospitals, at a rate of {$37.00} an hour. However, even at this hourly wage and working 36 hours a week I was not able to afford the {$1100.00} a month student loan as well as my federal student loans. I had to borrow money from friends and family each month just to make the minimum payments on my Navient loans. It has been 5 years and I continue to owe {$40000.00} on that loan, working as a XXXX and barely getting by. I had to move my entire family and life up to the XXXX XXXX just to find a higher paying XXXX job to make the minimum payments on the loan. It's not right that teachers can be pardoned from student loans considering they are public servants, but why not XXXX too? I am a slave to my student loans and I can not go back to get my XXXX XXXX XXXX as a way to provide better care to the community considering the financial limitations of the Navient loan with incredibly high interest rates.
Product: Checking or savings account

I opened a business checking account with Bank of America in XXXX of 2017. I do not recall ever being asked to opt-in to overdraft protection, in accordance with the overdraft protection law. I was given the option to opt-in to something the bank called " overdraft protection, '' which I declined. Family health issues caused me to step back from my business for several months and I incurred more than {$1000.00} in overdraft fees. During the course of trying to address this with the bank, I learned that what they call " overdraft protection '' is really just the option to link some other form of payment to my account. I spoke with several customer service rep 's before talking with a supervisor named " XXXX '' in XXXX. He told me that the default setting on all business checking accounts is for them to cover overdrafts, at their discretion, and then charge a {$35.00} fee for each transaction. This, he said, is why they had charged me more than {$1000.00}. I told him that this seemed to be in conflict with the Overdraft Protection Law and that their word-choices seemed a clear-cut example of deceptive marketing. He refused to explain to me why the law, seemingly, was not applied in this case, how I could keep from incurring fees ( other than by telling me to change my notification settings ) or why their definition of " overdraft protection '' was different than the layman 's version ( and that contemplated in the law ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

To whom it may concern i have sent letters to the consumer credit agencies Transunion, XXXX and XXXX.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report. 
VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall information
Product: Credit reporting or other personal consumer reports

Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and Transunion. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX FUNDING ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Product: Credit reporting or other personal consumer reports

I am disappointed to find unauthorized inquiries on my credit report this evening, and Im at a loss as to why theyre there. I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser to see if it was a mistake, but the unauthorized inquiries didnt go away. This issue is deeply concerning, and Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this.
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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

We completed a withdrawal from an ATM and then we're told that we were negative because the amount was not available. We spoke with the bank involved and informed them that this was an error on their end because the ATM would not have allowed us to complete the withdrawal if the funds were not available. At the time the bank had started maintenance on their online banking and mobile app and during the process something went wrong and the entire system was down for approximately two months so you could not check your balances or make any changes to the account. The withdrawal happened during this time and when we reached out to inform them that this was an error and that the funds were and should have been available they said that this was incorrect and that they were not willing to make any changes and if it was not paid it would be added to mine and my wife 's credit report. The account has been added to my credit report as a collection/charge off and needs to be removed because it's incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE XXXX XXXX
Product: Credit card or prepaid card

I believe someone may be committing fraud using my personal information for employment. I received a letter from Comdata congratulating me on my payroll card, along with a pin and phone number to contact them. I filed a report with the FTC. I tried calling them and I get a machine asking for a card number. I don't have a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to incorrect items on my credit report, It has been well over 30 days and I haven't received any investigation results.
Product: Money transfer, virtual currency, or money service

Incoming and a lot of my out going Payments would fail or get reversed. Then my account gets closed with no warning and when asked why I was told I went against community standards. Which I'm sure is what everyone gets told and when I tried to open a new account I'm immediately shut down. I had my account for years.
Product: Debt collection

I have an account on my credit from RSSI # XXXX in the amount of {$95.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Product: Vehicle loan or lease

It has only been a couple of months since I bought my car off of XXXX, I already informed Bridgcrest on XXXX that they will expect my Bill Of Exchange/Check for the payoff quote that she gave me within the 10 day payoff timeframe, she STILL informed me that even though a check is on the way ( mail is taking forever ) that the car is still up for repo now! I literally just got the car and immediatly started processing this payoff check which is currently being authenticated which is taking a few weeks, but I did update Bridgecrest they will recieve it shortly via the payoff address they gave me, and still after this very very short period of time knowing they are getting the payment they still want to take back the vehicle? Ive owned MANY vehicle and never have I experienced this with any loan company. Hopefully they can wait the XXXX days and not come repo the car for no reason just to have to go to court and give it back. Should loan companies not give decent time frames if the customer is giving a full payoff considering bank verification and mail times etc.? I also do not consent to my information being sent out to ANYONE considering Bridgecrest and I never had a contract ourselves. I also do not consent to any property repossession.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Identity Theft and Credit Report Inaccuracies FTC Report XXXX : XXXX Dear XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, XXXX continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$630.00} XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$350.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$18000.00} XXXX. XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX. XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1600.00} XXXX. XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, {$1800.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$16000.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$680.00} I look forward to your prompt attention and resolution of these matters. 

Sincerely, XXXX XXXX