23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Call XXXX : 1. Called Discover bank because their online system notified me that an out of country log-in attempt may have occurred. 
XXXX. Employee suggested I lock the account without explaining how difficult it would be to regain access to my own funds and account because they couldnt XXXX with XXXX using my cell phone which I could see was listed as a mobile device in my XXXX ( online banking ). Every other bank including XXXX XXXX bank is accepting my mobile for XXXX. 
Call XXXX : XXXX : XXXX. Called back to figure out how to access my account. 
Was provided more detail about how I needed to submit both my SS card and ID again since 2 factor authentication was unavailable ( they dont make the review easy as you must wait 48 hours for your documents to be reviewed regardless of your situation per information I was provided ). 
Call XXXX : XXXX : XXXX. Was informed that I need to access a specific URL webpage to upload my documents. 
XXXX. Uploaded documents and waited 48 hours to call again. 
Call XXXX : XXXX : XXXX. I was just informed that I now need to upload the back of my ID. 
XXXX. Uploaded the back of my ID and was told that I must wait 48 hours again and not given any other option by the bank. 
Call XXXX : XXXX : several business days have gone by with the end of month approaching ( when bills are usually due ) and now the bank tells me that my ID and SS card and back of ID have a slight blur to them. When asked for faster review options the bank only has fax technology as an option and isnt providing consumers the ability to use secure e-mail or obtain manager access without a process that will take additional days. As of today, XXXX all of my funds will remain locked for at least 48 more hours ( 2 additional business days ). My funds will have remained locked by Discover bank for over XXXX total business days with no option to obtain manager help for receiving a secure e-mail from a manager to get documents to them to review in an expedited manner. This is dangerous for consumers to get caught in Discovers account lock - and the process leading up to the locked state didnt clearly explain the implication if I opted to lock the account from the first interaction with the first employee. 
On the call on XXXX the employee made the claim that Discover bank just has to be more secure than other banks and claimed they are being more secure than banks that use my number for XXXX XXXX XXXX XXXX XXXX  included ) because Discover has only digital banking. However, XXXX XXXX XXXX  is only digital in my area in the twin cities, so their argument wouldnt be valid even if they could prove that there is a more secure process in place on the back end where they are scrubbing numbers through whether they are with a major carrier such as XXXX, XXXX or XXXX XXXX XXXX XXXX Whether Discover has a more secure process is up for debate, but they certainly arent implementing methods to enable consumers to access their own money expediently to prove their identity after they lock it up.
Product: Debt collection

Aspire credit card sold my account to XXXX XXXX  on XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Mn. XXXX phone # XXXXand XXXX. They list another address at XXXX XXXX XXXX XXXX XXXX Mn. XXXX. This account is written off and listed as in collection with all 3 credit agencies reflecting on my report. I never received a 1099 c from Aspire or XXXX XXXX according to IRS sect. 62 ( A ) ( 12 ) sect 6050p to pay taxes on the {$710.00} since it was written off. Income should not be reported on credit report. And this reporting is inaccurate. Also violating privacy act.
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. 
XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Credit reporting or other personal consumer reports

I am writing to formally demand enforcement action against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B, which governs the removal of fraudulent accounts related to identity theft. I have been the victim of identity theft, and despite providing Equifax with the required documentation, including a police report and a statement of identity theft, Equifax has failed to take appropriate action to block and remove the fraudulent account, specifically the XXXX XXXX account ( # XXXX ). 

FCRA Section 605B requires consumer reporting agencies, upon receiving proof of identity theft, to block reporting of information that is a result of the theft. I have met all conditions under this section and provided the necessary documents, yet Equifax has not removed the fraudulent account from my credit report. 

This continued reporting of a fraudulent account has caused me significant harm, including damage to my credit rating, stress, and ongoing financial hardship. Equifaxs failure to follow FCRA 605B violates my rights as a consumer under the law, and I demand immediate corrective action. 

If Equifax does not comply and remove this fraudulent account promptly, I will be forced to take further action, including filing a lawsuit against Equifax for violations of the FCRA and seeking damages. 

I am also requesting that the CFPB take swift action to ensure that Equifax upholds its legal obligations under the FCRA and protects consumers from further harm caused by identity theft. 

Supporting Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case establishes that a credit reporting agencys failure to comply with FCRA provisions, including inaccurate reporting of information resulting from identity theft, is a clear violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This ruling holds that credit reporting agencies must act reasonably and in compliance with FCRA provisions when handling information that is potentially fraudulent or erroneous. 

XXXX v. Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : In this case, the court found Equifax liable for failing to conduct a reasonable investigation under the FCRA when a consumer disputed fraudulent information related to identity theft. 

I trust that the CFPB will act swiftly in ensuring Equifax complies with the FCRA, and I look forward to your confirmation that this matter will be resolved promptly.
Product: Debt collection

They do not have an email option or portal that functions to provide information and get verification. 

Their website has a consumer compliant link that is broken. I am a professional that works with clients from XXXX - XXXX in various time zones and ca n't use XXXX calls as a form of communication. I have left messages and tried their form to notify multiple times that they need to email me. They do not and will not verify what these charges are for. 

They also ask for an account number field on their website form fill and they do not have that on the statement they sent me only a record number not an account number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE SEE THE ATTACHED REPORT FROM XXXX   WHICH CORRECTLY DOES NOT LIST THE XXXX XXXX XXXX ACCOUNT THAT IS NOT MINE. I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE NOTE THAT *ALL* NECESSARY ID VERIFICATION DOCUMENTS ARE ATTACHED HERE, AS THEY WERE THE FIRST TIME THIS COMPLAINT WAS FILED. MY SOCIAL SECURITY NUMBER IS XXXX. THIS WILL BE MY LAST ATTEMPT AT RESOLVING THIS MATTER VIA THE CFPB, AFTER WHICH I PLAN TO LITIGATE AGGRESSIVELY.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not owe XXXX. They garnished my wages twice after reporting I owed a zero balance on my CBR. My car was totaled and XXXX paid it off.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681e ( b ) the information being reported on my credit report isnt accurate. 
My name should show as : XXXX XXXX XXXX, XXXX My address should show as : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX
Product: Debt collection

I had thought this was already resolved when I filed a dispute once before stating that I did not know of or owe this debt. 

The collection company had been called by me today. I had asked asked what the debt was? A collector who identified himself as XXXX with Merchant Credit Guide Company in XXXX, stated that the name of the creditor could have changed and named two different company names that it could have changed from. After verifying my name and matching the account in question, he stated it was a debt that was from XXXX, XXXX. He then stated that this was an attempt to collect a debt. ( Note : The credit report shows false and deceptive information on its reporting. It claims on the credit report that the debt was from XXXX, XXXX. ) I had told him I dont know who the company is and that this debt was not mine. He immediately started talking quickly and said he would start the billing process and send me an invoice and transfer me to his supervisor. I said wait slow down, dont transfer me yet and he just started talking over me, transferred me and then I was on hold till the phone call hung up on me. 

The law states that there must be 100 % accurate reporting. First, if the company name has changed 2 or possibly 3 times, then that is not accurate reporting. Second, if the alleged debt was from XXXX, XXXX, then they have falsely reported the date of collection. This makes someone think that this will stay on their credit until XX/XX/XXXX instead of XXXX XXXXThird, I had stated that the debt did not belong to me, so XXXX unethically turned our  communication into an act of debt acknowledgment and dispute and said he was sending an invoice, without giving one moment to correct his attempt to alter the call into a collection dispute. 

XXXX was well aware that there is only 3 months left until this purported debt, I dont have enough information to form a belief about being mine, falls off the credit report. 

So he turned this into a communication of debt collection and dispute in order to revive the statute of limitations on collection debt that would have fallen off the credit report in 3 months, This is immoral, unethical and against the law. 

The reporting was not 100 % accurate and was deceptive in practice, since it represents that if you dont call about a name and debt you dont recognize, your credit will be showing this purported debt for an additional 1 year and 6 months and be adversely effected until then. 

The Fair Debt Collections Act is very clear on these subjects. The reporting was not 100 % accurate. I still dont know who the real company name is and how many times it has changed. This person should have informed me of who the two other company names were, in order to help me on what this was about. Plus regardless of the debt being found out to be accurate or not, the debt would have fallen off my credit in 3 more months. No one who knows their rights would ever call a creditor if they knew that a properly reported debt that is 7 years old falls off in 3 months ( not 1 1/2 years ).
Product: Credit reporting or other personal consumer reports

My account with the DEPT OF EDUCATION/NELN and i was never late! I have had exceptional payment history with this company and all payments were placed

on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in 2020 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft several years ago and have been trying to resolve this issue with the credit bureaus. The account for XXXX XXXX  is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that GM Financial reported a late payments/negative information regarding my account XXXX. 

I am requesting that this late payment ( s ) be assessed for accuracy. 

Since I have disputed information with GM Financial, I feel this is there way of retaliation to damage my credit report. 

This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that it may be concerning to my employer. It is extremely embarrassing and has adversely affected my reputation. 

For your reference, I have attached copies of the required documents that corroborate my claim. 

I returned a vehicle to GM Financial sometime in 2014, as a voluntary repossession. I received to letters from them regarding there process, which indicated if the car was sold, I would still be responsible for the negative balance. 

I do not recall receiving any documentation to when the car was sold, and how much the car was sold for. 

Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above. 

Also, in response to the phone call/letter received *lender* on *date* I am requesting validation of this debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7.  Your license numbers and Registered Agent If your office fails to reply to this debt validation request, I am asking that all instances related to this account must be immediately deleted and completely removed from my all 3 credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Thank You
Product: Checking or savings account

I got my card information stolen and lost all of my money. The bank explained they cant dispute because some of the transactions were authorized. But the other transaction didnt need my pin and still lost those money
Product: Credit card or prepaid card

They promised to help with lowering payments. I have called multiple times to get help only to be ignored. I am now getting calls all hours of the day up until XXXX XXXX  at night and as early as XXXX XXXX. This is ridiculous! I have told them to stop and its not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER USA WAS REPORTING MY AUTO LOAN TO ALL BUREAUS, BUT WERE DELETED FROM XXXX AND XXXX IN ERROR.
Product: Money transfer, virtual currency, or money service

Hey I'm XXXX XXXX. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I feel betrayed as I am a loyal consumer.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement a
long with the disclosures from section 1637 ( b ).

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

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


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I placed an order with XXXX XXXX in XXXX, I never received the items but was charged for the items by Comenity Bank. I sent a letter to Comenity Bank, explaining that I never received any order and I wanted these charges removed. This letter was sent to Comenity Bank on XXXX XXXX. I called and the rep told me that I'm still responsible until XXXX XXXX refund me and then they will work with the late fees and that I had to pay on the bill to keep late fee down. I then paid {$40.00} with that rep because he said they will refund it back to me. I agreed to pay the {$40.00} so that they wouldn't report late on my credit. I also sent in affidavits to XXXX XXXX on XXXX XXXX, after they keep telling that they had sent affidavits forms in the mail and which I never received them either, so another rep from XXXX XXXX walked me through the website to print the forms my self and that is how I got forms to send off. I also called XXXX XXXX to check for the credit for my account on XXXX and learned that they had sent Comenity Bank a credit of {$34.00} and {$22.00} was the wrong amount, it should have been {$33.00}. So that left a shortage of {$11.00}. So I called XXXX XXXX back and they went ahead and refunded the {$11.00} and sent it over to Comenity Bank. So in the process of trying to get refunded for a non received order of {$68.00} has resorted in Comenity Bank charging me on a order that I never received in the amount of {$83.00} in late fees. I tried reasoning with the account supervisor by the name of XXXX in customer service and also spoke with XXXX who stated that she was the senior account specialist and they showed no concern of helping to fix this issue. I was wrongfully charged these fees and want my credit of my {$40.00} dollar payment.