23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB
Product: Credit reporting or other personal consumer reports

i have incorrect hard inquiries and collection accounts on my report that are not mine and the result of id theft. I have asked the XXXX bureaus to delete them, and they have not after repeated asks by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response.  XXXX XXXX XXXX XXXX account XXXX does not belong to me.
Product: Prepaid card

In XXXX  I was a victim of XXXX fraud, some of my funds I did receive then my funds stopped. That was due to fraud, I verified my information with XXXX and XXXX confirmed that I was a victim of fraud. XXXX released my fund but Bank of America is telling me I or someone in my household used my funds. My card is still in my possession my Husband & daughter was the only people I allowed to use my card. But due to the fraud on my account my fund never got to my card. The fraud happened before the money was put on the card & Bank of America keeps denying my claim.
Product: Money transfer, virtual currency, or money service

CFPB case # XXXX KEYBANK case XXXX XXXX ( Prior case # XXXX ) I read KEYBANK reply to my complaint where I confirmed that previous refund of {$170.00} was made to account, as a gesture of goodwill. It happened after I completed manager 's request to provide an evidence where were bank error verified and confirmed. 
In regret the frustrating experience I have had I share this practice which needs to be an investigated. 

1. Picture # 1 from account statements on XX/XX/2021. 
On the picture you may see that account balance wasn't negative, but was charged with the overdraft fees {$38.00}. 

If this charge will be returned, account balance wouldn't be negative after all transactions including international fees. 
" Charge off '' is an accounting function, where overdraft fees is bank ambitions and makes balance negative {$260.00}.
Product: Checking or savings account

On XX/XX/2022, I opened a US Bank XXXX checking account ( Attachment XXXX ) and used promotional code XXXX ( Attachment XXXX ) in my application. 

XXXX XXXX XXXX granted the account holder a {$500.00} cash bonus for completing several benchmarks within the first 60 days of opening the account as evidenced in the terms and condition in Attachment XXXX. 

Pursuant to terms of the offer, the account holder needed to : XXXX. Open the account between XX/XX/XXXX and XX/XX/2022 ( Account was opened XX/XX/2022 ) XXXX. Enroll in online banking within 60 days of opening the account ( Completed after account opening ) XXXX. Receive two or more direct deposits within 60 days of opening the account. For the {$500.00} bonus, the aggregate total of the direct deposits needed to be {$6000.00} or more. 

Per the attached statement ( Attachment XXXX ), a direct deposit of {$3000.00} was received on XX/XX/2022, which is shown as a Payroll direct deposit. A second direct deposit of {$3000.00} was received on XX/XX/2022, also a Payroll direct deposit. 

More than sixty days has elapsed since the second direct deposit and the bank has not credit the bonus to my account, which is in contravention of their terms and conditions for the promotional offer.
Product: Student loan

1. Federal Student Aid has had 2 of my applications " In Review '' for months causing issues with my servicer and next steps. I need these to be " Completed ''.

2. One of my servicers, Nelnet, has not given a deferment or grace period for the loan consolidation process.
Product: Credit reporting or other personal consumer reports

XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXXXXXX
Product: Prepaid card

Cash app company My phone number XXXX XXXX XXXX anything you want to know they took money overcharge I couldn't get money back
Product: Credit card or prepaid card

On XX/XX/XXXX thrive market charged my account {$59.00}. I was not made aware of this charge until XX/XX/XXXX when I received a late payment letter from Sears credit card services. I was shocked because I hadn't made any purchases using this card and I also have autopay setup so I would never miss a payment. I immediately contacted Sears credit card services to resolve this issue. At that point in time I owed {$150.00} because of late charges and interest. I made full payment and was promised that this wouldn't be reported to the credit bureaus. I then contacted thrive market about the charges, they confirmed that it was a mistake and immediately refunded my account. Sears credit card refunded the late payment charges as well. Unfortunately Sears reported this as a late payment and my credit score has gone down 90 points because of it.
Product: Credit reporting or other personal consumer reports

Multiple things are wrong with the consumer report that was requested. Such as addresses that were reported as living when I was not or addresses that were completely wrong. Phone records have addresses that are reported incorrectly. Accidents that were found to be not at fault by the insurance company are labeled at fault. Claims that were never made show up. A ticket that is over 5 years old is still reported on my account. There should be no inquiries from XXXX XXXX on my account but there are multiple. Insurance premiums went up because of late payments on accounts and the report shows that none of my accounts have been paid late. There is a formerly known as which is not a name/person I know or have ever used. My current job is listed as a former job with no monthly income. Insurance that is no longer in effect is listed as in effect. Insurance that I have never used is listed as it has been used at one point or another.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear XXXX XXXX  I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802. 

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the Gramm-Leach-Bliley Act. 

Please send written confirmation of the removal of my information to the address listed above. 

Thank you for your prompt attention to this matter. 

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

I sent a cease-and-desist and opted out of reporting of my credit for XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists, but my information still appears on my reports In all three bureaus, Experian, XXXX and XXXX XXXX. XXXX banks refusal to Stop reporting To third parties after honoring the Cease and desist is now implicating the three credit bureaus, XXXX XXXX, XXXX, and Experian. Unknowingly or not, this is a willful violation of the FCRA per the three bureaus now as well as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXX XXXX 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

XXXX XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I applied for the card for XXXX XXXX  XXXX  they told me would be no hard inquiry once i got one I took care of this right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account and credit inquiries from my credit report. I have been a victim of a data breach, resulting in fraudulent activity associated with my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these fraudulent items removed. 
Fraudulent Account to XXXX and Delete : XXXX. XXXX  XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$20.00} Fraudulent Inquiries to XXXX  and Delete : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer can not furnish my access without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as for late purpose.
Product: Credit reporting or other personal consumer reports

My account with the late payment was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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 or other personal consumer reports

There are discrepancies in my credit report regarding late payments. These dont align with my usual payment behavior. Please correct these mistakes and ensure my account is updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to use the trustedid premier equifax product ( I have been given this product free because I was identified last year as one potentially affected by their data breach ) to monitor my credit during a temporary unfreeze period ( XX/XX/XXXX to XX/XX/XXXX ) verified by all three credit bureaus ( XXXX, XXXX and Equifax ). At first, trustedid exhibited an error message, but that was fixed mid-week ( XX/XX/XXXX, probably ). After that, trustedid exhibited a message " your credit is frozen. '' I have  verified with the equifax phone system that my credit is indeed NOT frozen, and was issued a verification number. I did this for the second time early morning yesterday, XX/XX/XXXX. I also did it earlier in this week ( probably XX/XX/XXXX ). 
Earlier in this week ( probably XX/XX/XXXX, maybe XX/XX/XXXX ) I called equifax customer support to inquire why I was unable to used trustedid to monitor my credit when I had unfrozen the credit and had a verification number for that action. They told me I HAD TO give them my full social security number to unfreeze my credit. I did not want to give in to this, but I did, having the credit unfrozen until XX/XX/XXXX and being issued another verification number. When I had time to see the result ( XX/XX/XXXX ), I still saw the message " your credit is frozen. '' I called equifax customer support XX/XX/XXXX, AFTER using the phone again and issuing an unfreeze of my credit until XX/XX/XXXX and receiving another verification number. I asked why I could not monitor my credit when I had issued a credit unfreeze. They tried to make me surrender my social security number, again, to perform a credit unfreeze. I refused and I cursed at the equifax representative, which is the first time I remember ever doing to any representative for any company. I hanged up and called back and got a different representative, who tried to get my social security number but I stopped them cold and demanded to know why my credit could not be monitored with trustedid when I ABSOLUTELY HAD UNFROZEN MY CREDIT with a pin and had a verification number. They then diverted to a time issue ( i.e., when did I unfreeze it ). I told them I had issued an unfreeze a couple hours before. I was told to try again in a couple hours. 
Well, I waited about 20 hours. Tried today, XX/XX/XXXX, to monitor my verified unfrozen credit. The message " your credit is frozen '' is all I get from the trustedid online service. It does not allow me to monitor my credit. The service it claims to provide does not exist for me. Trustedid is a non-functioning outrage, a lie.
Product: Money transfer, virtual currency, or money service

I requested to talk to customer service and never got phone number or never talked with a real person
Product: Credit reporting or other personal consumer reports

These are unauthorized inquires I do not recognize. 

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