23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was given a gift card for {$250.00} from US BANK sold at XXXX XXXX XXXX. I tried to use the gift card at XXXX. It was declined multiple times. A call to customer services requested I send fax documents. I faxed the documents multiple times, they were rejected for reasons beyond my control. They refuse to reactivate the card or send a replacement. I send a copy of front/ back of my Driver License and a copy of the front and back of the gift card to show proof of ownership.
Product: Bank account or service

I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.
Product: Credit card

I received a letter in the mail regarding a debt that was from 2011. Under the Fair Credit Reporting Act I am no longer obligated to debt nor could I be harassed or have information on my credit report regarding this old debt.
Product: Debt collection

Dynamic Recovery Solutions somehow has gotten my phone number and proceeded to call me and even texting me- a feature I NEVER opted into - in order to collect a debt my deceased father owes. They must have somehow gotten notification of his death in XXXX and have decided it's appropriate to harass me in the months following his death over a debt because I haven't received these texts prior. It's also important to note I was not on my dad 's phone plan for years so them obtaining my number doesn't seem legal either. My father had no estate and I am not obligated to pay this debt. How they got my number, which is also on the national do not call list, and then have proceeded to opt me into communications with them all while I'm still grieving the loss of my only parent is horrendously disgusting and, based on what I've read, not legal.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy transunion, XXXX, experian nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Product: Checking or savings account

I have been a wells fargo customer since 2006. I have overpaid in overdraft charges since then. I have called customer service on more than one occasion requesting to remove the overdraft feature from my account. For the past 3 years and they still insist on keeping it on there. Some overdraft charges have been refunded but some have not. I am currently overdrawn {$540.00} in my wells fargo checking account. I am currently between jobs and can not afford to pay over {$300.00} in overdraft charges.
Product: Debt collection

A collection was placed on my credit report by National Credit Adjusters XXXX XXXX, Kansas and they have refused to provide any information on the debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of XXXX points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened AGAIN on XX/XX/XXXX. It took almost 2yrs of endless calls and fighting to get it removed a second time, with me losing another XXXX points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I requested XXXX, XXXX, Trans Union, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other three credit bureaus have refused to respond to my requests and verify the information.

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.
Product: Credit reporting or other personal consumer reports

I have an apartment listed on my credit report that I never had or applied for. I have gotten this information removed from my XXXX and XXXX report. Experian has not deleted it even after my dispute. I purchased a home in XXXX on XX/XX/year> yet there is an apartment that was put into my name which I had XXXX reason to rent an apart when I had literally just purchased a XXXX bXXXX XXXX XX/XX/year> was my first year even moving from XXXX to XXXX. This does not belong to me
Product: Debt collection

My dispute involves two companies the first being Conn 's XXXX XXXX in XXXX, New Mexico. I put my account with them on Auto pay. I received a phone call stating that my account was delinquent. I sent them a copy of the paperwork from the bank showing the payments were being made. I spoke with a supervisor from Conn 's who advised me they had lost the money for my account. They call me 6 or 9 times a day from different phone numbers. I 'm still paying on this account and I am being charged a late fee and they continue to call me even though once a month I have my bank send them money. XXXX code XXXX
Product: Student loan

XX/XX/XXXX to XX/XX/XXXX I attended Itt forced loan signatures and untruthful information of Amount of Loans. I never received a job with this degree it was no help to me, it actually hurt me with finances long term of my success path.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on  XXXX / XXXX / 2017  in regards to an account,  XXXX   XXXX  Bank, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on  XXXX / XXXX / 2017  requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.     Under the Fair Credit R eporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and retained in their file at the time of my request concerning the accounts that they are reporting in my credit report. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.      I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing  them to 3rd parties, Experian is damaging my reputation and credit worthiness.
Product: Credit card

I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me.
Product: Credit card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax negligently handled their security and allowed for the the release of my Social Security Number along with that of 143 million others.
Product: Student loan

I have spoken to navient about contacting random people on my social media regarding my accounts. Today they contacted my former brother in laws ex wife who I have zero contact with. She is not listed on any of my loan records and the only connection we have is through social media.
Product: Checking or savings account

i had business account in bank of america since 2 year couple month ago someone stolen to the bank check book than he wrote XXXX totally ten different check ( XXXX something for each ) than they hold my account and they don't give me any information what I m gon na do I can't open new account from any bank i report to XXXX couple time on the phone and did application online but nobody send me e mail or any call PLS HELP ME PLS XXXX
Product: Credit reporting 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. it is hurting my ability to obtain a credit.
Product: Debt collection

XXXX XXXX has that I owe money for medical from XXXX XXXX that have been paid through their program that pay the bills for you. I have been speaking to them for a few months about the following accounts.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report with Experian, XXXX, and XXXX and discovered that XXXX XXXX XXXX ( ACCOUNT NO : XXXX .... ) that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by XXXX XXXX XXXX account wrong reporting. I never had account with XXXX XXXX XXXX on XX/XX/year>. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX at XXXX my bank account ( Chase Bank ) was  accessed by an unauthorized user. I received a notice on my phone of suspicious activity and noticed there were unauthorized transfers of {$720.00}, {$550.00} and {$500.00} through XXXX, the last of which was rejected and flagged as suspicious. I called Chase within 5 minutes of the transfer and asked them to stop the pending transfer and initiate a fraud investigation. They initiated an investigation, walked my through creating a new online account and restricting my checking accounts. They instructed me that the funds would be credited to my account after 10 days. However, after 13 days I called when no credit was applied and I was informed that my fraud claim was denied ( without notifying me ). They insisted that the transfer came from my IP address therefore it was not fraud. I insisted that I was sitting at my computer when the transfer happened and had not logged in for approximately 10 days prior, so I must have been hacked. The informed me they were very sorry, but I have no recourse for being hacked. I asked why I can stop an ACH transfer, Credit purchase or other transfer but not a XXXX transfer. They said because XXXX is a third party and the transfers are instant, I have no recourse. Chase shows the name and the phone number of the person who the money was transferred to, a person I do not know, and will only investigate superficially.
Product: Debt collection

I contacted XXXX to receive propane in XXXX of XXXX. I never received any propane and therefore had my credit card company dispute the claim. After several months of back and forth the company agreed that we have an account balance of {$0.00} and sent an email dated XX/XX/XXXX reflecting this. We received a letter dated XX/XX/XXXX from ARM solutions trying to collect this debt. I have attempted to communicate with both companies to resolve this but can not reach anyone who wants to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all 3 of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In review of my credit profile I seen that there was some inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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 furnishers, 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 items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.