23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX  # XXXX - XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXX  View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  - XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days 6 FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX XXXX this Previous address XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this FCRA violations : payments never late XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$19000.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX
Product: Checking or savings account

XXXX bought out Simple and has been reminding us their transition date is XXXX for months. Now their transition set up site has been utterly collapsed and their only response is to hang up on people on their customer service line and hide the tweets of people complaining about this unacceptable inability to access our bank accounts. They seem to have no intention on reaching out to people individually or even interacting, instead just trying to sweep things under the rug as much as possible. Were I able to access my bank account, I would have already closed my account with them. Extremely unprofessional both in execution of the transition and with their complete non-response. Theyve instead just opted to lie and say theyve rolled out a fix already, and then ask people to call the next day XXXX today, XXXX XX/XX/21, mothers day XXXX, to see if people over the phone can help, albeit everyone instead reports getting hung up on by XXXX the moment they mention simple.
Product: Debt collection

I am filing this complaint to document Discovers repeated noncompliance with my consumer rights, including their failure to honor written requests, provide required disclosures, and address disputes in accordance with federal laws. 
-Ignored Cease Phone Communication Request On XX/XX/year>, I sent a written request via email to Discover ( to an address found on their site ) instructing them to cease all phone communication with me. Despite this, I received a call on XX/XX/year>, at XXXX XXXX, in direct violation of my written request. 
Under 15 U.S.C. 1692c ( c ) of the FDCPA, I have the right to request that communication regarding this matter be limited to writing. For this violation, I am entitled to statutory damages of {$1000.00}, as allowed by 15 U.S.C. 1692k ( a ) ( 2 ) ( A ). 
-In the same email, I requested : A copy of the original contract I signed, as required under consumer law for my review. 
A debt validation for my most recent statement, as required by 15 U.S.C. 1692g. 
-Previous Ignored Certified Notices I have sent multiple certified notices to Discover in the past, including : A billing error dispute in accordance with the Fair Credit Billing Act ( FCBA ). 
An opt-out notice under the Gramm-Leach-Bliley Act ( GLBA ). 
These notices, sent via certified mail with tracking numbers, have gone unanswered. The lack of response to these notices constitutes a failure to comply with legal requirements. 
-Intentional Harassment and Neglect Based on my experiences, I believe Discover is intentionally ignoring my lawful requests and engaging in harassment. Discovers repeated noncompliance with federal consumer protection laws is unacceptable, and I trust the CFPB will investigate this matter thoroughly. Certified Mail Tracking Number for Most Recent Request : [ XXXX ] I have attached copies of my request.
Product: Credit card or prepaid card

XXXX. XXXX 2022, XXXX bought me a prepaid gift card from XXXX XXXXXXXX XXXX at XXXX for {$500.00}. I link my XXXX to buy what I need on a site, I shop a lot on this site, I know their customer service, they are loyal I am a regular customer, but on XX/XX/2022 this card Reported as unauthorized by XXXX. I am puzzled. I have the card and the card receipt in my hand. Why is it unauthorized? They canceled my order, then I called the back of the card and provided some documents as they requested, sent a fax to XXXX, including a driver 's license, the front and back of the card and the card receipt and my home address. The card is registered to a warehouse address, I asked them to mail the new replacement card to my home address or my company business address, then I called them again because it's been a month and I haven't heard anything, they just replied that I'm still investigating, let I'm waiting, I didn't even get in the case number, why they don't verify and believe it If someone reports unauthorized, my card and receipt are kept but it doesn't protect my card balance, I read a lot about this card online Complaints, they all acted the same way, embezzled our money and no one replied to you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$18000.00} These above accounts where involved in identity theft and and not mines I was incarcerated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX 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 an account without my written instructions.
Product: Checking or savings account

XXXX VM from SunTrust of possible fraudulent activity. XXXX saw {$2100.00} purchase at XXXX in XXXX, NC ( I live in XXXX, NC ). SunTrust Customer Service informed me that someone with my name and address called on XXXX at XXXX requesting a new debit card be mailed to XXXX XXXX XXXX XXXX, XXXX, NC. Told Suntrust rep no point in sending a code because also lost cell phone. 
XXXX received card in mail from Suntrust confirmation of address change for 3 of my 4 accounts. XX/XX/XXXX Met with branch mgr who called fraud dept. Told that investigator Denied and closed the case assuming I approved it. 
XX/XX/XXXX wrote rebuttal. XX/XX/XXXX still have not heard from Suntrust and {$2100.00} not restored to my account. XX/XX/XXXX a Good Samaritan in XXXX, NC called to inform me that she saw my credit card/ address/ ph # and many other peoples in the car of a man she knows in XXXX, NC. I filed a police report giving all information and the guys name. 
Suntrust has not been in touch with me since my pursuing them since XX/XX/XXXX. I have been treated by Suntrust Fraud Dept as a liar having to prove that Im telling the truth.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$890.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX FINANCE # XXXX XX/XX/XXXX -- {$0.00} SECURITY # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} SECURITY # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$930.00} XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$380.00} XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Received letter in the mail, stating that my Bread XXXX account application was on hold, due to my credit freezes blocking its processing. 

I have not applied for a Bread XXXX account, nor do I have any idea what that company is about. 

I called the bank listed on the letter ( Comenity ), and have been on hold for more than 30 minutes. I have no idea if they will ever answer the call or give me any useful info on this possible fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 15 U S C 1681 section 602 A States i have the right to privacy 15 U S C 1681 section 602 A section 2 it also states a consumer reporting agency can not furnace my account without my written pemission
Product: Credit card

I have had a relationship with wells fargo for over 5 years with no missed payments or complaints. A few months back they shipped me a new credit card because the old one was about to expire but i never received it so i ordered a replacement card. The month i received the new card i believe XXXX i attempted to make a payment thru their automated telephone system as i had done for over 5 years. During this attempt i was redirected to a teller who advised me that do to the new account number i would need to provide my checking account information again to submit payment as normal so i provided them with it again. Keep in mind my checking account number has remained the same for over 20 years. Subsequently, after providing this information i submitted the payment with the same teller. The following month i went to make my next scheduled payment n i learned that the previous months payment had never went thru and i was being told i was late on my payment. I then spoke with a teller who told me that the payment was declined due to insufficient funds. I then contacted my bank who looked and determined that a payment request was never submitted by wells fargo. I then called wells fargo again n attempted to make a new payment that was submitted successfully. A few weeks later a received an email from wells fargo saying that my account was delinquent and that i needed to call them. I telephoned wells fargo in deep distress and after a lengthy discussion with a teller it was determined that the bank account number that i submitted was incorrect so i gave them the account number and submitted a payment of XXXX  dollars. I then logged a complaint wanting an apology and correction of whatever they submitted to any credit bureau agency. After a internal investigation wells fargo determined that they did nothing wrong blaming me for ant errors n canceled my credit card..i want to log a complaint because i did nothing wrong and made several attempts to make payments. Once the numbers were correctly entered you can see i made a large payment of over XXXX  dollars. It is silly to believe that after 5 years of not missing a payment i would knowingly provide a false account to keep from making a payment of only XXXX dollars to subsequent put a payment in of over XXXX  dollars a few weeks later.. i would like help clearing my name and having an apology. I don't care to do business with them anymore but they dont have the right to tell lies about me..i want access to there recordings so that i may way my options.
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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

My name is XXXX XXXX. I had a XXXX XXXX XXXX card back in XXXX. I moved and did put in changed of addresses. I never received a bill from the Company. I just received a letter from Pressler and Pressler telling me they will garnish my wages. I told them I can only pay XXXX a month or so. I only make XXXX and hour. I have other bills to pay including a car payment and car insurance payments and high rent. I have a 5 XXXX XXXX XXXX born XXXX XXXX, XXXX and my Fiance got laid off from her job so its hard to make ends meet. Until recently when I received the papers from The Collection agency telling me they will garnish my wages I never heard from them before or the Credit Card company with Invoice to pay the bill. I always put in a Change of Address since all the other companies like XXXX and XXXX XXXX and my Cell phone were able to send me bills. If the garnish my wages and I only make XXXX My infant son will not have formula or diapers. My son needs XXXX. If he loses his Affordable Health I will have to pay out of pocket .I would not be able to pay my gas and electricity or my car payments or Rent. At this time I ca n't even afford health insurance for myself but I do have it for my son from Affordable Health. My Fiance cant even afford Health Insurance as well. I am willing to pay at least {$25.00} a month to Pressler and Pressler till I can get back on my feet and get a better paying job to support my family. I need my payments lowered by this Collection Agency. I can pay {$25.00} or less a month that is all I can afford. I have to provide for my family on XXXX an hour
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : [ Briefly restate why the information is incorrect ] Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 15 U.S. Code 1666b is a law that covers the timing of payments for open-end consumer credit plans. The law requires creditors to : Provide payment due date information : Creditors must mail or deliver statements to consumers at least 21 days before the payment due date. 
Provide extension information : Creditors must provide the amount and date of each extension of credit. 
Handle inquiries : Creditors can treat inquiries for clarification or documentation as billing errors. 
The law also states that creditors can not treat a payment as late unless they have reasonable procedures to ensure that statements are delivered on time. 
If a creditor fails to comply with the requirements of 15 U.S. Code 1666b, they may forfeit their right to collect the amount indicated by the obligor. The amount that can be forfeited is capped at {$50.00}.

15 U.S. Code 1637a is a section of the United States Code that covers disclosure requirements for open-end consumer credit plans that are secured by a consumer 's primary residence. This section requires that creditors provide the following information to consumers when they distribute an application to open a credit card account. 
Annual percentage rate The annual percentage rate for any extension of credit under the plan, along with a statement that this rate only includes interest Interest rate information A statement that interest rate information will be included with each periodic statement The Truth in Lending Act ( TILA ) was enacted to protect consumers from unfair or inaccurate credit billing practices. TILA requires creditors to disclose credit terms in a meaningful way. 15 U.S. Code 1637 ( a ) - ( d ) covers disclosure requirements for open-end consumer credit plans, including interest rates, finance charges, consumer rights, and creditor responsibilities.

Please provide the specific details on how the investigation was conducted, including number of the person or entity that verified the information.

1. The name, address, and telephone 2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Date of the First Delinquency They have does not match the date that I have under 15 USC 1681 BE. You must provide Maximum possible accuracy, and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the CMI of my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQ is reporting an alleged account from XXXX. I have disputed alleged accounts from XXXX prior and XXXX has been unable to provide any proof of an agreement between myself and XXXX, therefore if XXXX believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with XXXX. XXXX has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine.
Product: Checking or savings account

I am suddenly being charged fees on this account, which was fee-free for a long time. Last month they refunded. This month they refused and got NASTY with me on the phone. I tried to close the account ( because why would I keep an account with Truist, just to be treated this way? ), and was told I had to call back AGAIN tomorrow. This is outrageous.
Product: Payday loan, title loan, or personal loan

I received a check in the mail for a loan that said We are here to help through the pandemic.. I am a single mom of a XXXX yr old so XXXX is getting expensive and it was right after the new year when all the bills were coming in. All was fine until it came time to make my first payment on XX/XX/2022. I called and they asked for my bank account number. I asked if they could take a debit card payment and they stated they did not offer that type of payment option because of the cost. I told them I was not giving them my account number and would they take a cashiers check because I do not have regular checks. They agreed and I told them I would bring it in the next day. I did some research online because the most used form of payment these days is credit or debit so it just sounded odd to me and I couldnt find much except no rating with the XXXX. Well I work at a doctors office and I let time go by because of staffing issues and honestly I felt it was a scam. Even though I got the money I felt they wanted access to my bank account. Fast forward to XXXX and XXXX I speak to XXXX XXXX a few more times and apologize for it slipping my mind and Ill be in to make the payment, as I do with my other XXXX loans from XXXX. XX/XX/XXXX there is a freeze on my account, no warning, no citation, nothing! I cant pay my rent, my car payment, food for my son. My checks are direct deposited into that account and I cant touch it even if I paid the entire balance. I have no money to get gas to get to work! No wage garnishment? I called my bank and they say their hands are tied. I call the company and he basically laughs in my face. I cant even buy a dollar cheeseburger! Can lenders just do that? Im not disputing the money I owe but I got no warning no time to work out making payments and have lost everything. Thank you
Product: Credit reporting or other personal consumer reports

Recently I reviewed my consumer report, I noticed charged off and collection accounts. These accounts have been deleted from XXXX which report to Experian, XXXX, XXXX. The information being reported is inaccurate and is a result of fraud. I did not give any written consent to XXXX, XXXX, XXXX  and XXXX XXXX to open any accounts in my name. This is a violation of my privacy and I demand these accounts to removed.