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

My dealings with Discover Bank Online service started in XX/XX/XXXX through XXXX, realized my checking account in the amount of {$560.00} at Discover Bank has many unauthorized transactions of withdrawals and purchases dated from mentioned dates previously. A written statement disputes and police report has been filed on XXXX in order for Discover Bank to continue their investigation, a provisional credit has been honored in the amount of {$560.00} for the month of XXXX. Thereafter, Discover Bank has issued me a new debit card but with the same checking account number that is affiliated with my account which is the main checking account number in order for any type of transaction ( s ) to be issued against that account number. The reasons for these disputes of unauthorized transactions and purchases, person ( s ) has or still invaded my private premises without invite, therefore the person ( s ) has altered or counterfeited my personal information. This  activity is still on going for the month of XXXX as there was an unauthorized transaction of withdrawal from my account in the amount of {$340.00}, and yet Discover Bank does not want to honor me provisional credit as stating the transaction was valid on their end! As there is a conflict between I the consumer and Discover Bank Online as I have submitted supporting documents including police report for the same activity for unauthorized withdrawals. Please assist me on retrieving a provisional credit from Discover Bank as it is affection all angles of my financial living. 
Supported documentation has been submitted to Discover Bank and still no call backs or updates on honoring a provisional credit in the amount of {$340.00}. I also filed a complaint with XXXX reading unfair circumstances with financial institutions. 

Need further supported documents or information please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX, XXXX, and Transunion request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I charged a refrigerator, 5 year service plan and ice connector to my Lowe 's charge card. On XXXX, the refrigerator was picked up by Lowes delivery representatives. The Lowes representative that pickup the refrigerator told me Lowes don't give paperwork when merchandise is picked up. He had me sign on XX/XX/XXXX to confirm receipt of a new refrigerator and I wrote " swap refrigerator '', as he told me I could, then I took a picture of the Loading Ticket. I spoke to representatives of Lowes in XXXX, LA and representatives of Lowes credit card. I was advised around XX/XX/XXXX by representatives of Lowes credit card the issue would be investigated and resolved in 60 days. On XX/XX/XXXX, I called Lowes because that purchase is still on my credit card. I was advised by the XXXX XXXX, representative of Lowe 's credit card, it will take 158 days to resolve the dispute and I need to contact the store because the credit card only handles credit limits, interest, and payments. I asked for a government agency to report the problem to on XX/XX/XXXX. XXXX XXXX advised me to contact the Lowes store and call the same number I called her again. 
Also when an item is purchased with a year of no interest, even though additional payments are made for the merchandise to avoid interest, the money paid is not put toward that item or applied to that item and the interest is applied.
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 Number : XXXX Account Name XXXX XXXX XXXXccount Number : XXXX Account NamXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and 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: Credit card or prepaid card

I have exhausted all options with Direct Express for resolution. 
The United States Treasury has deposited my funds to a " Direct Express '' card and I have not been able to access those funds since XXXX of 2021. Today 's date is XX/XX/2021. 

I contacted Direct Express at XXXX regarding this issue, including, but not limited to, the following dates, backed by evidence from the complainant 's XXXX phone account billing statements : XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm ( duration approximately 80 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 37 minutes ) XX/XX/2021 at XXXX pm XX/XX/2021 at XXXX pm ( duration approximately 14 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 23 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 29 minutes ) XX/XX/2021 at XXXX pm ( duration approximately 21 minutes ) XX/XX/2021 at XXXX am XX/XX/2021 at XXXX am ( duration approximately 12 minutes ) Over the course of the above stated dates, Direct Express sent me a replacement card to access my funds. When recieved, and attempted to activate, the system refused. A prerecorded message said what I entered does " Not match the information on file. '' A live representative assisted me with activation. That was not successful either, so another replacement card was issued. 

When second replacement card issued, I again attempted to activate to no avail. A live representative, again, tried to assist and was unsuccessful. I was transferred to the supervisor. Again, no success in activation. I was then transferred to the supervisor 's supervisor who couldn't activate the card either. 

They sent out a third card. Activation was unsuccessful. 

Please note, at one point the Direct Express XXXX tried to personally activate my card on a conference call with the automated system. I provided my XXXX digit account number to her. She entered all my information and all i did was enter a pin number. Still, no success. " I have never had this happen before, '' she said. 

I have called phone number XXXX, the Direct Express XXXX line multiple times as well. They took my information and someone called me back. Most recently, they sent me a fourth replacement card via United Parcel Service, and charged me according to their policy. 

Activation of the fourth card was unsuccessful. 

After failure to provide access to my funds for nearly two months, Direct Express must be held accountable. I have exhausted all options with Direct Express for resolution. I just want my money. Therefore, this United States Combat Veteran submits the aforementioned complaint.
Product: Debt collection

The collection office has not provided the required documents showing this account is in default. My insurance and original service provider are looking and investigating the payment/ insurance part of this claim of {$350.00} for XXXX XXXX. I ask the collection agency to return the collection back to the original provider to resolve our issue, but they would not work with me. They have been bullying me to pay and I feel this will not only hurt my credit but all future prospective employers. They will not give me an interview or opportunity due to my credit been damaged by this collection. This company is problematic to consumers because of its practices of bullying and threatening consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification that Equifax added a negative account to my credit report that I have no knowledge of. This isn't the first time Equifax has violated my rights. The account is from XXXX XXXX XXXX, whom I've never done business with for the amount of {$120.00}. Equifax left a completely false and dishonest comment on my credit report claiming " Account information disputed by consumer, meets FCRA requirements ''. I know for a FACT that's a lie because I've never done business with this company and I NEVER received ANY and ALL completed documental evidence concluding this investigation since it " meets '' FCRA requirements. Where are my investigation results that are to be sent to me by law? How was this information verified and by who? When? Where?
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting as a loss by credit grantor but is showing XXXX different balances {$4200.00} & {$7300.00}! Last time account was active was in XXXX how is still still reporting charged off on different years & bureaus! Please remove this account due to inaccurately reporting it! It is in violations of my rights to a fair credit report!
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally dispute several items on my credit report, as I am a victim of human trafficking. The accounts and inquiries listed below were opened or occurred without my knowledge, consent, or authorization while I was under the control of traffickers. I respectfully request that these items be removed from my credit report under the protections provided by the National Defense Authorization Act for Fiscal Year XXXX and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that you block & permanently remove all information that is the result of this fraudulent activity and ensure that these items no longer negatively impact my credit report. I have enclosed the necessary supporting documentation, including proof of my victim status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had received an unrequested XXXX XXXX Credit Card earlier this year. That was a red flag for me. I applied for a XXXX XXXX Credit Card today and was denied. I tried to request my annual free credit report today. They denied it and said I had requested the report on XXXX XXXX of this year and I did NOT do so. Someone requested the annual report without my knowledge, opened the XXXX XXXX card without my approval and now I ca n't open a simple XXXX XXXX card.
Product: Debt collection

A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over one week ago ). I was told I would receive a paid in full letter within 24 hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. 

This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within 5 days. It has been 7 with no progress. 

Until I have that letter, I'm in a constant state of XXXX waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting as 2 accounts once as XXXX XXXX XXXX on Experian and again on all three bureaus as XXXX XXXX XXXX  there should be one account name only. i have included the credit report and highlighted all inaccuracies. I have disputed many times and they still report incorrectly. XXXX XXXX  account is inaccurate across three reporting agencies
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Someone used my social security number to try to apply for credit. 

XXXX 's XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company Ocwen Loan Servicing LLC on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to Ocwen Loan Servicing Llc See Exhibit J. Ocwen then proceeded because of XXXX  XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted Ocwen after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted Ocwen pleading for Ocwen to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing Ocwen to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. Ocwen did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XX/XX/XXXX to match the agreed reaffirmation agreement. Ocwen then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX   XXXX XXXX. This action by Ocwen not pursuing any loss mitigation against XXXX XXXX XXXX was complete neglect of the debtors right.
Product: Money transfer, virtual currency, or money service

I had {$710.00} transferred to XXXX different people who I do not know on XX/XX/XXXX through XXXX. I reported it to my bank, USAA, who has done nothing to help the situation. I did not give any of my information out or have any scam/fraud calls to me. Also the same day I had a fraudulent attempt on my card to buy {$230.00} in gift cards that did not get authorized. USAA has said they looked into it but it is not fraud. I have never used XXXX in the past, this was the first time it had been used and not by me. The bank does not seem interested in resolving the matter.
Product: Debt collection

I recently  applied for a home loan and was denied because of my credit. When I looked at my credit I discovered that AMCA was reporting a medical debt collection that I knew nothing about. I tried to call them but they would not discuss anything except how I was supposed to pay them. They have never attempted to validate this debt. I have not ever received any correspondence from them and I have not moved or had any disruption in my mail service. My insurance company should have paid this bill if it truly has anything to do with me ( wh  ich I do n't believe it does ).
Product: Student loan

This complaint is based on incomplete information regarding my loans. 

I received a letter from Discover Student Loans dated XX/XX/XXXX ( see attachment ) which indicated I was being compensated because Discover Student Loans was taking action in accordance with the terms of a consent order issued in XXXX by the Consumer Financial Protection Bureau ( CFPB ). Discover Student Loans indicated they could not confirm authorization was obtained for one or more payments withdrawn or attempted to be withdrawn from my bank account. The letter provided my customer number, but did not indicate which account or accounts correlated with the compensation. The letter did not indicate what criteria was used to determine the compensation amount, and did not indicate the dates they determined they could not confirm authorization was obtained. My compensation was in the amount of {$740.00} with an additional credit of {$25.00}. 

On XX/XX/XXXX I spoke with XXXX who explained the initial impact was in XXXX, relating to one name making payments for another person. This made sense as I am a co-signor on loans for each of two sons, and some payments were made through my checking account. We were able to make an educated guess as to which account was affected, but the Discover Student Loan representative could not say for certain. There was no information available as to the criteria used or dates identified to determine the compensation amount. 

The check provided was noted with please deposit check immediately upon receipt. To me that reads as dont ask any questions, just accept that we have compensated you correctly. I would like to know how the compensation amount was determined, so I can verify that I was compensated appropriately per Discover Student Loans consent order agreement.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Wells fargo home mortgage has XXXX dollars in a escrow account for insurance claim fund from Hurricane Florence. I  have asked for a XXXX check payable to me and XXXX XXXX XXXX so I can get the house painted. The insurance company has authorized this repair .Mortgage # XXXX for XXXX XXXX house at XXXX XXXX XXXX XXXX XXXX Nc XXXX phone XXXX The painting company wants to start and I do not have half down so i can give them a wells fargo check and let them hold the check and I will sign it when the job is done. After 4 phone calls to wells fargo in XXXX Mn they have assigned XXXX XXXX to give me an answer by XX/XX/XXXX. I need the check this week! XXXX can be reached at XXXX ext XXXX. This is my money and I have faithfully spent all previous escrow releases..
Product: Credit reporting

Back in 2006 I filed bankruptcy. The hearing judge took it back to court and reversed it. I have been to the county clerk and the federal office on bankruptcy. neither show it. Now I have contacted them several times in the last6 years. Equifax is yet to remove it. I also have inquiries on my report I did not authorize and they told me they could do nothing about it.
Product: Debt collection

Southwest Credit Systems never contacted me about item they posted to my credit report and has not validated the debt, I called them and they said that the item they put on my credit is from XXXX years ago, I never knew anything about this debt until I checked my credit report. 
I did a quick check online and found many bad reviews about Southwest Credit Systems, this company is accused of harassment, scamming, fraud, verbal abuse, producing false documentations etc. 
I do n't believe that they are licensed to collect in my state and I have reason to believe that this might be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has already been investigated and the inaccurate account removed. I am requesting that Experian follow suit.
Product: Credit reporting

XXXX recently ( XXXX XXXX 2015 ) re-opened ( once again ) a previously closed account on my credit report which dropped my score by XXXX points. I am in the process of being a first time home owner and this has almost killed that possibility. This account was not only closed but should have been updated as settled. I have been going back and forth with this company ... to include a 30 day late that they added to a CLOSED account. Please review the previous cases with them as well as my supporting documentation of payment. Thank you