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

Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes .The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.

In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Credit card or prepaid card

I tried to resolve the dispute in the amount {$4000.00} with the Capital One credit card dispute department. 
This amount was charged for my truck repair but the repair wasnt done, even worse the truck was damaged and I suffered enormous financial loss after the repair attempt. The merchant is XXXX XXXX XXXX of XXXX ( XXXX ). They damaged my ruck and had to tow it to another repair facility. I tried to resolve the issue with the met first but the merchant refused the refund. I sent all documents necessary to Capital One for this dispute, but Capital One frivolously closed my case 4 times and left this charge on my account. Im not supposed to pay for that charge. I sent the second opinion from another repair facility, sent my original notarized affidavit to Capital One that I personally saw what caused the damage and other documents. Capital one stuff just keep closing my case and every time ask for additional document which I keep providing. XXXX XXXX : XXXX. 
Please help me get this off my statement, if any additional info needed Im happy to provide it. 
Thank you
Product: Checking or savings account

My complaint its Unable open a new account i dont know why I go to local Branch to open checking account but agent surprise me we cant open account with us
Product: Credit card or prepaid card

Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX   receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX  XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. 

Anyway, I will attach all the documents and receipts below that argue for my case.
Product: Credit reporting or other personal consumer reports

**PLEASE READ TO THE END** This is not an online acct issue, this is a consumer practices issue. Experian has made it impossible to speak to a human. 

I tried to create an Experian online acct via XXXX XXXX XXXX. However, the process froze during the creation of the acct, presumably because their network was overloaded due to everyone trying to freeze their credit at the same time because of the SSN breach.

I can not create an acct now because its says I already have one. The password I created doesn't work. Password reset doesn't work because I was never able to add my phone because acct creation crashed.

I called their support # but I am stuck in a menu loop. I have spent hours ( this is not hyperbole ) selecting every possible menu option. I only get pre-recorded messages explaining how to reset my account via their website, which I can not do.

My financial security relies on 3 private credit companies. Experian, being one of those, has made it impossible for me to protect myself. This is absolutely unacceptable and must be a violation of FTC or other laws and policies. Given the power they hold millions of people 's finances, this beyond unacceptable.
Product: Student loan

I received a call from a person who said they are calling to help me with the loan forgiveness program by the government, and they would consolidate all the federal loans I have and will be forgiven. And that it takes some time to submit paperwork to do that and I need to pay {$200.00} per month for 4 months and then I will have zero payment after that. 

I assumed the person who is calling is from the federal government, he asked for the email I used for my FAFSA account and told me to give him the code I received from the email I received. I did receive a " change your password " email from U.S department of education. I gave him the code and he said they are going to consolidate my loan since I qualify for that program and he sent another email which went to my junk folder which was " borrower eligibility confirmation '' and it had all my loan info and also my SSN number. 

Then I asked him why I have to pay to consolidate my loan and are they some loan collection agency or the govt itself. He did not answer and started saying things like your monthly payment will be high and how am I going to pay for that..etc. 

I realized this was not from the govt and I disconnected the call. I then changed my FAFSA password.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX  XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

Hi there, I recently got a prepaid XXXX for donating plasma as XXXX XXXX. I did this for moral reasons as well as personal. XXXX XXXX seems to contract with Northlane and XXXX XXXX  for the handling of these prepaid cards. Every time I've tried to use this card, I've run into problems. I tried to pay for an academic transcript, which declined, I tried to use a different transcript company, which also declined, I tried to transfer the money to cashapp so I could spend it directly, which also declined. Every declined transaction also seems to come with fees, as the balance is declining. I called them and they claim every time that it's their " risk strategy '', and they'll escalate to a higher " risk team ''. This is not only frustrating, but the fees for the declined transactions are racking up. I would like Northlane and XXXX Banks to correct this and streamline their risk assessment process so other consumers can access their funds without hassle.
Product: Debt collection

I asked for them to verify @ RMC of America which they could not provide 100 % accurate information or validate that the debt was mine. In return I was informed that she could not validate that the debt was mine because the original creditor was no longer in business.
Product: Checking or savings account

My father passed away and my sibling quickly started to take over my XXXX year old mothers affairs. She visited the bank often and befriended XXXX at first commonwealth bank XXXX. She had him believing my mother was not in her right mind even though she was fine. My mother has XXXX other sisters declared poa. She went to first commonwealth where dad and her conducted business for years and changed the account to ensure that sister had no information or access to her money as she was under investigation for elder abuse. A week later my sister with XXXX help bullied my mother into going back to the bank and change things yet again! 
Within two weeks the XXXX sisters who are power of attorney with mom and moms caregivers all arrive at bank only to be screamed at by XXXX the banker who snuck behind the teller line and made a phone call to the sister under investigation. He said no money was leaving the bank that day! We called the law enforcement in. Had moms attorney on the phone and poa in hand. Mom ended up leaving with her money to deposit elsewhere. I am still disturbed at how a supposed educated and professional bank representative can conduct himself in this manner it was unethical if not illegal and caused my mother terrible sorrow and embarrassment. She has been a respected customer for years and can not believe she was treated this way or that her daughters and caregivers were made to feel like criminals when they are the people looking out for her! Its not appropriate!
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.

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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

I consonantly have told them this account is paid off. disputed and they tell me verified. i have the proof.
Product: Credit reporting or other personal consumer reports

This is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. 

Let me be perfectly clear : I, XXXX XXXX, NEVER authorized Equifax to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer.

15 U.S.C. 1681b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates.

Since no such written instructions exist, your actions are illegal and constitute a breach of federal law.

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am formally disputing the following accounts reported on my credit file and requesting full verification of their accuracy and validity : Under Section 609 and Section 611 of the FCRA, I am requesting that you : Provide full verification of these accounts, including signed contracts, account statements, and proof of any alleged debt.

Identify the original creditor and provide full documentation establishing the accuracy of the reporting.

Cease and desist from reporting unverifiable or inaccurate information, as this is a violation of my rights under the FCRA.

Legal Points of Emphasis : 1. 15 U.S.C. 1681e ( b ) : The reporting agency must maintain maximum accuracy of all consumer information. Failure to do so constitutes a violation.

2. 15 U.S.C. 1681i ( a ) : You are required to reinvestigate and resolve disputes within XXXX  days.

3. 15 U.S.C. 1681n and 1681o : Any willful or negligent non-compliance with these regulations may result in civil liability, including statutory damages, punitive damages, and attorneys fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX  - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATION/XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX  account number - XXXX XXXX XXXX XXXX account number - 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: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the XXXX  you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit card or prepaid card

I just came back from overseas and I realized I had a Capital One account still open and payment due. When I called originally ( XX/XX/XXXX ), I was trying to get the status of the bill/account. I asked when I needed to pay the bill by and they said the following Friday ( XX/XX/XXXX ). That's when the billing cycle was over. On Monday ( XX/XX/XXXX ), I called to make a full payment and they said it went into collections and they're not sure why/how the other representative said Friday. They told me to call back or they'll call me right back. They haven't gotten back to me and every time I've called, I get put on hold of hours or get the runaround/transferred. Customer service was absolutely horrible and nothing was resolved.
Product: Checking or savings account

We already had a previous case from the CFPB ( XXXX ) that says it was closed on XX/XX/XXXX but we had no idea it had been closed because as of now we are still trying to get our money back. 
Citizens Bank allowed several fraud transactions back in XXXX of XXXX on our account and we have tried in good faith to get our money back and have gotten most ( {$15000.00} ) but are still waiting on over {$1000.00} a year later. 
We heard from Citizens as recently as XX/XX/XXXX when the fourth person they put on our case called and left a message saying she would call when she knew something. The others would call and leave a message and when we returned the call it always went to voice mail except with XXXX person, who was quickly taken off the case. 
The last phone call I received was on XX/XX/XXXX from a woman named " XXXX ''. We called her back on XXXX, and XX/XX/XXXX and again on XXXX but she has not returned our calls. 

This new complaint stems from checks cashed on our business account with someone else 's name on the check and someone else 's signature that were wrongly cashed by the bank. For one of the checks they are saying we will not get reimbursed because we waited over 30 days to make the complaint. This was a check written by a nursing home, which is far from what our business is, in a different state, with different, non-authorized signatures. The bank cashed it and we reported it well within the 30 day window, in person, at the branch. We have the bank representative as our witness, and we are her witness that she reported it over the phone as is their policy while we were there on XX/XX/XXXX of XXXX. The person we spoke with at the branch has been very helpful and does not understand what the problem is either. They have yet to reimburse us for 3 of the many checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Citi Bank Credit Card : I havent received a credit card statement and the credit bureaus have not been reported to in over XXXX days. Therefore my credit utilization ratio has been way higher than it really is for over XXXX  months. Which then messes with my eligibly credit wise and puts my life on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX XXXX transunion let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 compass bank sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}.