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

XX/XX/XXXX -filed a fraud claim on my EDD pre-paid debit card, caused someone was withdrawing money on my card in New York . I live in California. My card has not been out of my possession. I noticed my card was suspended. did not know why. I discovered all my money, {$5500.00} was no longer available in my account. I immediately filed a claim XXXX acct ending XXXX on XX/XX/XXXX. I was informed a new card would be mailed with the funds added back to the card. When I received the card, funds were not added back. I then received a letter dtd XX/XX/XXXX, envelope postmarked XX/XX/XXXX that indicates my case is closed. On XX/XX/XXXX, I called after on hold for six hours, I spoke with a representative, I believe her name was XXXX in the claims department. She indicated the case was closed due to an internal error. She also indicated they have been having trouble with the third-party handling fraud claims. XXXX reopened my case, did not provide a new case number. She indicated funds should be back on card while they continue the investigation by no later than the end of week, which would have been XX/XX/XXXX. I was told I needed to wait 10 days. Is that 10 days starting from when I initially filed the claim or when I called back XX/XX/XXXX and was informed funds should've added back by XX/XX/XXXX. Today, XX/XX/XXXX, and funds are still not on my account. I called the designated toll-free number, after waiting two hours on hold, the line dropped. How frustrating. This is a violation of Regulation E. I need my funds added back to my account. I am without money to pay my bills. I am incurring overdraft charges on my bank account and late fees. If an affidavit is needed, I have not received any communication from Bank of America about the claim. Again, I am requesting the {$5500.00} to be returned immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
1. XXXX  2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX Mortgage XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my Equifax credit report and noticed that my name birthday are being reported inaccurately the name is not how i identify myself and the birthdate is showing wrong day of the month. These inaccuracies are unlawful and violate my rights under FCRA sections 623 ( a ) ( 1 ) and 16 USC 1681. And any accounts linked to my credit report using this information are required to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/XXXX ), Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I'm a victim of identity thief and my information was obtain fraudulently and use to open this AMEX credit card account ( XXXX ) I have tried reaching out to this company to resolve this matter but they insist that the information use to open the account was indeed my information and they are still investigating. But as for now they have not resolve the issue in my favor. I do not think this is fair and I'm suffering from this because I have been a victim of identity thief.
Product: Student loan

I called student fed loan servicing to reinstate payments after I was no longer going to school So I could get them paid off faster. They had me fill out a form to wave my forbearance rights and I sent that in. My payments resumed for a month or two and then stopped again in XXXX. 

I called student fed loan servicing on XXXX XXXX to ask why my payments were not being deducted again. They told me I would need to submit a request again to get them reinstated but they would resume for XXXX. 

I called XXXX XXXX, XXXX to ask why it still shows that XXXX my loan will be in forbearance. She told me that it would be in forbearance until XXXX. She said she could submit another request to have it go into repayment but then she said my original paperwork that I filled out months ago no longer is valid because I submitted another request on XXXX XXXX for the same thing, to get my payments reinstated. During all of this I am incurring interest and not able to get FedLoanServicing to take payment. 
The notion that a representative had me put in a second request that voided the first request for the same thing is silly to me and I feel I am getting the run around. In addition I just realized the XXXX payments they did deduct in XXXX and XXXX were for interest only.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is 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 furnishes, 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 item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputes accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

Disbursed this collection company. Account was closed and reopened numerous times. This has damaged my credit. Lost out on apartments cause Im in need to move XXXX XXXX XXXX. This is unlawful and unethical practices for this collection account. It has ruined my credit score numerous times. Dire need to move.
Product: Debt collection

Resurgent Receivables LLC has been found to have violated the FDCPA ( Fair Debt Collection Practices Act ) by erroneously reporting a COLLECTION/CHARGE OFF on my XXXX credit report on XX/XX/XXXX, with a claimed account balance of {$590.00}. They also reported the same fraudulent information on my XXXX report on XX/XX/XXXX, stating that the original creditor was XXXX XXXX. It is important to note that my XXXX report from XX/XX/XXXX, clearly showed the account as " Paid, Closed/Never late '' to XXXX XXXX XXXX ( See attachment ). Despite this, Resurgent Receivables persistently continues to report a debt on my credit report that I do not owe, which can only be seen as a form of harassment. I want to emphasize that I have never entered into any contractual agreement with Resurgent Receivables that would grant them permission to include such information on my credit report. Furthermore, it should be noted that a charge-off is considered a certificate of indebtedness, which means it should be removed from my credit reports. 

As a result of Resurgent Receivables ' actions, legal proceedings are currently underway against them for Violation of the Fair Debt Collections Act and Defamation of Character. 

The collector is surely aware of the severe consequences that come with violating the Fair Debt Collection Practices Act, as well as the numerous violations for which they are now accountable. 

Allow me to highlight a few of these violations for you : 1. FDCPA 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. FDCPA 809. Validation of debts [ 15 USC 1692g ] 3. FDCPA 813. Civil liability [ 15 USC 1692k ] ( a ) With the exception of the provisions stated in this section, any debt collector who fails to comply with any provision of this title is liable to the affected individual for an amount equal to the actual damages incurred as a result of such failure, and in the case of an individual, the court may also award additional damages, not exceeding {$1000.00}.

It is worth mentioning that I have not provided any proof of the alleged debt under the doctrine of estoppel by silence, as established in XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX. Therefore, it can be reasonably assumed that no evidence of the alleged debt, and consequently, the debt itself, actually exists.
Product: Debt collection

I've received a written note from Alliance One regarding {$82.00} I have to pay to XXXX XXXX. I don't have have account with XXXX XXXX- it was closed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please take this off. 


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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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: Payday loan, title loan, or personal loan

After receiving a prequalified offer. I applied for a loan with Mariner finance online on XX/XX/XXXX. I was contacted by the XXXX Ga XXXX  and was told there is nothing they can do for me. I asked the representative for a reason for the denied loan. The representative replied there isnt a specific reason and that I would receive a letter within 30 days. I contacted customer relations for a explanation. CR REP pulled my application and said that my application was still under review and looks like the denial is going to be do to poor performance and a charged off account. This would explain why the branch rep could not give me a reason for the denial and also suggest that I wasnt given due process as other customers. I had to declare XXXX in XXXX. After discharged in XXXX I have rebuilt my credit and has had a 100 Percent on time payment history with all my creditors for the past three years. My credit score is considered good. My payment history is excellent and I have the free income to support the repayment of the loan requested. Mariner Finance seems to be engaging in discriminatory Bankruptcies practice against Customers who has had to declare bankruptcy while having a existing loan with the company. The company is not allowing due diligence and adhering to the underwriting guidelines for certain customers in particular those who had to declare bankruptcy no matter if we otherwise qualify for the Loan. This seems to be a discriminatory practice. A applicant whos less qualified than another applicant whos more qualified should not be given preferential approval because the more qualified Applicant had to declare bankruptcy at one time of another. This is an unfair act of practice. My attention is to research the legalities of such practices also.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to inaccurately report THE XXXX XXXX XXXX as a collection on my credit report without being properly investigated. After investigation, XXXX  has already deleted this erroneous collection from my credit report. The major credit agencies are required to investigate disputes and accurately report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several things with my credit report and the credit bureau are refusing to correct the information that should have been removed from my profile and inaccurate information is still being reported.
Product: Debt collection

A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Trans Union report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX   listed on your platform with the others on XX/XX/XXXX for {$710.00}. I noticed you didn't catch either of these Trans Union and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing information to present to several government agencies like the FTC. I am fed up with you Trans Union and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Trans Union in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX and XXXX XXXX dollars and there are going to be consequences for your lack of attention. I AM FED UP WITH YOU.
Product: Debt collection

Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX  account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX  generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX  ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Product: Credit card or prepaid card

XXXX/DSNB / XXXX / - BANK OF XXXX XXXX XXXX / {$1500.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion, XXXX, XXXX on XX/XX/2024 in regards to removing these inaccuracies off of my credit profile. Currently each bureau has these XXXX account listed as XXXX offs, which are certificate of indebtness meaning income and income can not be reported on one 's report. Also these XXXX account have different last activity dates. The Fair Credit Reporting Act grants the right to accurate and fair credit reporting using XXXX XXXX XXXX. Please remove WEEBANK/FINGERHUT, CAPITAL XXXX FINANCE, and XXXX XXXX XXXX XXXX XXXX my credit profile
Product: Credit card or prepaid card

I am living in XXXX but worked 2 months at the University of XXXX in 2011 and opened a bank account at Wells Fargo that time. I have about {$800.00} in my account and requested a credit card to get access to my money. The bank refuses to send me the card to my home address ( although this is the address they have in file ) and the only option they offer to get access to my money is that I should personally visit a branch. Of course the time and cost for travelling from XXXX to USA is  more than {$800.00}, so it is impossible in practice. They state that they can not verify my identity otherwise and rejected my suggestion that I will scan my ID or proof my identity otherwise. Thus, Wells Fargo do n't offer me any way to get access to my own money.
Product: Credit card

On XX/XX/2024, I contacted Citi regarding the {$99.00} fee for the XXXX XXXX XXXX XXXX Select credit card, which I don't use. The Citi representative agreed to switch me to a non-annual credit card. 

However, on XX/XX/2024, I was still charged the {$99.00} fee. After receiving the bill on XX/XX/2024, I called Citi again, and they assured me they would remove the charge. 

Despite their assurances, when I called on XX/XX/2024, the fee had not been removed. Citi also sent me the lower-grade card, indicating that I no longer use the XXXX XXXX card and there's no reason for the fee. Once again, they promised to remove the fee. 

As of today, XX/XX/2024, the charge remains on my credit card, with payment still due by XX/XX/2024. If I don't pay, I risk incurring a late fee and will need to deal with Citi once more.
Product: Checking or savings account

I had {$170.00} dollars charged to me after cancelling my XXXX XXXX XXXX trial month. This has been an ongoing battle against XXXX XXXX, BMO, and me. Approximately XXXX months ago, I signed up for a one-month trial of XXXX XXXX XXXX XXXX for my work. I cancelled my " subscription '' a week before the one-month period. I am demanding my money be refunded back to me. Before Bank of the West turned to BMO, this would have been investigated and I would have been justified in my favor. However, since BMO merged with Bank of the West, BMO cares only about the merchant than his or her own customers.