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

I have a store credit card but I've not been satisfied with it since it was opened. I have complained numerous times but the company has done nothing. My issues are : 1. 30 % off first purchase ( didn't receive had to complain to customer service ) 2. {$5.00} anniversary gift card tried to use but website wouldn't allow ( never able to use card ) 3. {$5.00} off when make an online purchase promotion I made a purchase ( never received discount ) 4. made a purchase was supposed to hold for 5 days held for 2 days returned to stock cancelled order even after I called the store & informed I would be there next day to pick up I'm currently locked out of my account can't make a payment or use card. I went into local store customer service 800 number verified me as card holder & showed proper id store clerk refused to assist me said I wasn't rightful card holder. About the {$5.00} promo when making online purchase I asked the store clerk she said there was no such promotion even after I showed her on my phone & her co-worker corrected her & said there was such a promotion. She was very rude & it left me steamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this to try to get it corrected and nothing was ever done. There is an account XXXX XXXX XXXX  showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company several times to inform them, i am not getting the code sent to my email so i can register my account and make payments online. They did not understand one word I was saying, i have asked for mangers as well. IN my opinion they play games and act like they don't understand English to XXXX us over on these credit cards. No where in the terms did it say they could not text me the code to my phone the code so i could register, Nor in their terms did they mention they do not understand English, if they mentioned the above I highly doubt anyone would open with them. This company is SCAM, and not sure why no-one has investigated them instead allow American 's and whomever else to get conned. They refuse to send me a statement as well. I now have to mail payments which is causing me to be late and i keep getting fees which is not fair. I am done with these people, I am totally willing to pay what is owed not any fees cause its their fault, but not to them. This is straight XXXX that my credit is screwed up because they cant do their part, I have reached to XXXX  as well and guess what Fortiva did not respond to them. When we call the numbers they calls us from they ring busy. I want to be done with them but they call me 15 times a day wanting money. How do I get rid of them and it not effect my credit? i sent them 12 emails for help. I hate this Company and they should be registered as FRAUD.
Product: Debt collection

Diversified Adjustments recently reported a {$2600.00} collection account on my credit report. Prior to the appearance of this account on my report, I did NOT receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the three credit reporting bureaus ( Transunion XXXX, XXXX XXXX. I communicated with XXXX credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the XXXX credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with Transunion, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my XXXX XXXX and XXXX my ability to apply for any loans since it is the oldest card i have.
Product: Payday loan, title loan, or personal loan

I spoke with a representative at Money Key advising them I'm revoking any and all ACH authorizations starting with the next payment date of XX/XX/2019. On XX/XX/2019, my account received an ACH debit from Money Key in the amount of the payment. I called and spoke to another representative who listened to the recorded call I previously made and said it sounded like I only wanted to revoke authorization for the payment on XX/XX/XXXX, I told her no that isn't correct I called to revoke any and all ACH authorizations. She then said she made sure to take care of that going forward and would speak to a Supervisor. The representative spoke with her supervisor and got approval for a refund and said that it would be refunded to my account on Tuesday, XX/XX/XXXX ( due to the holiday on Monday ) On Wednesday XX/XX/XXXX I received the refund to my account. Subsequently Money Key took out another payment via ACH on Friday, XX/XX/XXXX. I spoke to another representative on Saturday, XX/XX/XXXX who apologized and reassured me I would have the refund back to my account no later than Tuesday, XX/XX/XXXX and I still have yet to receive the refund. I spoke to someone again who said I should see the refund no later than Thursday, XX/XX/XXXX now.
Product: Checking or savings account

When I banked with Wells Fargo they talked me into a military account. When they switched my account, they inadvertently removed my {$1000.00} line of credit which was a free service and provides flexibility with finances. Assuming I still had a line of credit, I bought car tires before a check I was getting that week fully knowing I was using my line of credit to cover a portion of the cost. 

Wells Fargo charged me over {$500.00} draft fees for purchases like gum etc. I actually went to the XXXX, XXXX XXXXXXXX XXXX and explained how this happened. The manager even agreed how the mistake could have occurred but refused to remove the fees. The manager did said sorry, however their policy is a {$100.00} forgiveness. I told the manager fine, take this {$500.00} and close my accounts immediately for providing horrible service and I will tell many friends and family to never bank with Wells Fargo for converting an account and removing a free service which was the mistake of the Wells Fargo rep. I have successfully steered many of my family and friends away from Wells Fargo over the decade and know for sure they lost a ton of customers with poor practices of running a business not putting their customer service as a priority. During my XXXX program, I share this story with my class and not to my surprise many others have experienced poor service. XXXX employees of Wells Fargo was in my class and they admit they are ashamed of Wells Fargos practices and leadership but they have hopes that new upper leadership turns it around. I dont keep up on Wells Fargo or care to, but do hope they have learned a serious lesson to not be so scandalous and teach leaders to make right decisions. 
They need incentivize people off of great customer experience scores instead of financials for the company. In the end customer satisfaction, empathy, and good leadership is how they should bank.
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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes in about 2 accounts earlier. ( XXXX XXXX and XXXX XXXX ) These accounts are inaccurate and must be deleted from my consumer report. The dates are not accurate. Delete these accounts. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I also have an account reporting on my consumer report showing a late payment in the payment history. ( The account is XXXX XXXX  ) ( I have always made all my payments on time ) ( This late payment is inaccurate and should be reporting as paid on time, paid as agreed or never late. Please update this account for XX/XX/year> to on time, never late, paid as agreed )
Product: Credit reporting or other personal consumer reports

I want incorrect information to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not investigating dispute and fraud/ police reports I have mailed them twice with certified mail return receipts. When I call they state that they have not received them. This has been happening XXXX months and I have all documentation to prove that. This is costing me time and money that I dont have for their negligence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

I am requesting a false collection be removed from my credit report that I have repeatedly tried to correct from the collection agency : National Credit Systems This was placed on my credit report incorrectly and I have requested National Credit Systems to send me the documentation, on numerous occasions, of said debt, to no avail. I have also sent, on numerous occasions, documentation showing there is no debt owed to National Credit Systems. This is causing undue stress and hardship. I am asking that this be removed from my credit report and investigated. National Credit Systems is not acting in god faith and is violating consumer protection laws, particularly regarding clear communication about the debt and proper validation procedures. 

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

I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : XXXX XXXX Simon 's Agency have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {XXXX. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep XXXX ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with XXXX, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. XXXX is now in violation of sections 623, 609, 1681 and 603. Simon 's Agency is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally : CAPITAL ONE CAPITAL ONE, XXXX CAPITAL ONE XXXX, XXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Already done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/year>, I met with XXXX XXXX XXXX of Bank of America at an office located in XXXX XXXX. The objective of this meeting was to explore my goals for my business and the potential for taking out a business loan. During this meeting, XXXX XXXX presented business loan options that could support that growth. XXXX XXXX suggested boosting my business credit score by opening another line of credit, though I already had a business credit card. XXXX XXXX sent a Business Debt Schedule and a Personal Financial Statement form ( on the same day of the meeting ) to complete and upload to XXXX for review. Being under the impression that XXXX XXXX was helping me explore options for a business loan, it appears that this meeting was a ploy to open another credit card, which I do not need if they are not going to review the forms above that have been uploaded to XXXX for several weeks now.
Product: Mortgage

Caliber Beach Has sent me a request for loan with out me consent. The letter appears like the current Stimulous package from the Federal Government. it states Available funds {$1200.00}. This is not the check that I may receive from the goverment bail out. 
The letter from Caliber Beach XXXX XXXX. Lender NMLSIS # XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX Phone XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$6900.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit card or prepaid card

I have had a Care Credit account for over a year for a {$800.00} balance. The balance has barely moved and if you are just a couple days late they charge about {$40.00} in fees every month. These guys are a scam and really should be shut down. They were recognized as such in the past, now they are back doing same thing. I have called to correct this a few times, but am fed up with their unethical stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my consumer report in the beginning of XXXX of 2022 I noticed inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore they never asked for permission to furnish this information. Further they have assumed this vital role and have infringed my right to privacy selling my information to a 3rd party debt collector and pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages arose were to my mental health and my ability to get an apartment. Also, in pursuant to 15 USC 6802 obligations with respect to disclosures of personal information, ( b ) Opt out. A financial institution may not disclose nonpublic personal information to a non-affiliated third party. I have the right to opt out, but they are not giving me the right to. Experian, XXXX, and XXXX private policy explain how they protect the privacy of the consumer, but they allowed 3rd party debt collectors into my consumer report. Also in Pursuant to 15 USC 1681a ( 2 ) ( b ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. Exclusions, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In pursuant to 15 USC1602 the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By any card that includes my drivers license, Social security card. To put everything together my student loan was approved but my social security number and drivers license were used a transaction of obtaining money and by law this can not be on my consumer report.
Product: Prepaid card

On XXXX XXXX, 2016, Paypal closed my account without any valid reason. The following message is displayed right after I logged into my Paypal account : ***** We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 
Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need a little bit more information about some money you recently received or withdrew. 
( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
***** The recent money Paypal indicated in this message, which I received, were around {$100.00} from cashback portal websites like XXXX, XXXX etc, and every single cent is traceable by its transaction name and source. I did withdraw them to my own checking account, however, I do not think it violated any Paypal 's policy or national laws after I carefully read Paypal 's terms and conditions and related regulations. 
Paypal closed my account with such groundless excuse and refused to further review my account, I tried to call in and email them via messages, explained everything patiently, but all I got were nothing but templates. 
Because of Paypal 's closure of my account, all of my eBay gift cards that are linked to Paypal are unusable. Even after calling in or emailing, Paypal still refused to unlink my eBay gift cards or return my money. 
I talked with eBay and they asked me to refer to Paypal for this issue, and I think eBay is right since it is Paypal that holds my money. 
Paypal has been doing this kind of illegal holding of one 's money all the time and I think it should be brought to attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE INCORRECT INFORMATION ON MY REPORT 3 TIMES AND EQUIFAX STILL DOES NOT FIX INACCURATE INFORMATION ON MY ACCOUNT.