23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My State Refund Funds were loaded onto my American Express Serv card that was provided to my by XXXX XXXX XXXX XXXX. I only had a temporary card, so I called for a replacement card. As I am unable to pay bills and withdraw funds from the temporary card. I called on XX/XX/XXXX and was told that my Address needed to be updated and a card would be sent out. I called on XX/XX/XXXX and was told that a card was never sent and that they would send XXXX just be patient. I called again on XXXX and was told that it should be in the mail. Finally I called on XX/XX/XXXX and spoke to a Supervisor and was informed that he had to authorize the issue of my permanent card. He assured that it would be mailed to me in XXXX to XXXX business days. Its now XX/XX/XXXX and I still havent received my permanent card. They told me that I was unable to close my account because I still have funds and I cant get my funds because they wont send me a permanent card. I just want my funds to be released to me, by card or by check. I feel like they are holding my funds hostage.
Product: Credit card or prepaid card

Single purchase made on XX/XX/XXXX for {$140.00} with a new account discount applied of {$36.00}. Statement billing cycle closing date XX/XX/XXXX with a balance due of {$100.00} on XX/XX/XXXX. Items from XX/XX/XXXX purchase were returned to the store for full credit on XX/XX/XXXX. Credit applied for the full purchase price of {$140.00} and the discount of {$36.00} was charged back. Leaving a balance due of {$0.00} on XX/XX/XXXX. A second purchase was made on XX/XX/XXXX for {$59.00} which was part of the next statement that closed on XX/XX/XXXX with a due date of XX/XX/XXXX. The statement that closed on XX/XX/XXXX also included a {$27.00} late fee. I was able to have that waived after having to explain that the items from the XX/XX/XXXX purchase were returned and full credit was applied which should apply to the balance due for that billing cycle, as since the item was returned I would not be responsible to pay for it. As a result of not paying a payment in XX/XX/XXXX they have flagged the account as past due for failure to pay additionally they have shut down my online access to make the payment that is due on XX/XX/XXXX for the second purchase of {$59.00}, leaving the only way to pay is over the phone or in person. Two issues of concern - One how many others are paying late fees or interest for returned items. Secondly and equally important is that they are reporting to the credit bureau inaccurate information lowering credit scores.
Product: Checking or savings account

I opened a new checking and savings account on XX/XX/XXXX with capital one. At that time, I funded the account with a transfer from my XXXX savings account. I went through the procedures to verify the XXXX account. This included capital one making XXXX small deposits ( {$.00} and {$.00} ) into my XXXX account and then me reporting the exact amounts to show my access was legitimate. The account was verified on XX/XX/XXXX. The procedures for this were clear at the opening and when I linked my XXXX acct to capital one. Capital one disclosed that it would take a few days for the deposit to appear. However, I was contacted on XX/XX/XXXX that my XXXX funds would be held for XXXX  days now! The customer service rep said it was because XXXX is not a real bank. The funds have left my XXXX account and are not going to be available for withdraw from capital one until about XX/XX/XXXX. I intended to use these funds to pay my mortgage! My mortgage is due by XX/XX/XXXX. This severely impacts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXXXXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 

I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

There should be no past due on a closed and charged off account yet Experian lists a past due amount of {$2100.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account has not been purchased by another lender yet Experian lists that as a comment on this account. How is that accurate? 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Please DELETE this inaccurate account from my credit report and provide me with an updated credit report as quickly as possible. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are in violation of my rights i never gave them permission to release any of my information thats fraud. Second time I have disputed this item on my credit It came off the other XXXX but comes back on XXXX thats still inaccurate. All three have to do the same if it comes off XXXX it has to come off all thats the law and I been to court witch the court of law dismissed this case so that means this should have never made it to a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the attached inquiries for violating 15 USC 1681 c-2.
Product: Debt collection

In XXXX a collection appeared on my credit report. 

I lived at this complex from approximately XX/XX/XXXX - XX/XX/XXXX. 

3 years later a collection account shows up on my credit. 

Never received any calls, emails, letters etc. 

I am getting charged for something 3 years after I moved out. Even after other people occupied the property. 

I have disputes on all 3 bureaus. Only XXXX has removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian by USPS dated XX/XX/2023, disputing several inaccuracies of this creditor on my consumer file, which you will see attached, as well as XX/XX/2023, I sent a letter to both creditor along with the credit bureaus stating that if I paid debt in full that they will remove information of debt within credit bureaus since and they agreed to do so. This was paid in full XX/XX/2023 and Experian is still reporting full balance and past due balance and their payment history is not accurate as well and should be removed from the consumer file immediately. According to Experian on dispute that was made that they are not making any changes to the debt on my consumer file. Which is violation of my rights according to FCRA. Attached you will see all documentation that was mailed to Experian. Also there was no results sent to me proving their explanation of their investigation. I have also included results from XXXX removal of XXXX XXXX from their file due to the inaccuracies reported.
Product: Checking or savings account

I read about a {$200.00} bonus offered by Discover Bank for opening an account and depositing {$25000.00} by XX/XX/2019 on XXXX XXXX XXXX. It read : " Open your account by XX/XX/19 Get Started To get your {$150.00} and {$200.00} Bonus Offer : What to do : Apply for your first Discover Online Savings Account by XX/XX/19, online or by phone. Enter Offer Code XXXX when applying. Deposit a total of {$15000.00} to earn a {$150.00} Bonus or Deposit a total of {$25000.00} to earn a {$200.00} Bonus by XX/XX/19. Maximum bonus eligibility is {$200.00}. 
What to know : Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover.  Account must be open when bonus is credited. Bonus will be credited to the account by XX/XX/19. Bonus is considered interest and will be reported on IRS Form XXXX. Offer may be modified/withdrawn. '' I'm attaching a copy of the ad for the bonus. 

I opened the account over the phone and gave the offer code XXXX. The {$200.00} bonus was to have been credited to my account by XX/XX/XXXX - last Monday. On Thursday I phoned Discover to ask if it had been credited, and " XXXX '' said that it hadn't. I phoned back on Friday and spoke with a woman ( I think her name was XXXX but am not sure ) who said it still had not been credited to my account. She asked if I had given the offer code and I said yes. She said she would have to listen to the recording of my phone call to verify that I had in fact given the right code. 

It is unethical to promise a bonus and then delay delivering the bonus, and to look for an excuse not to offer the bonus. I certainly would not have deposited exactly XXXX at that time unless there were a bonus. And the phone number for Discover Bank is in my phone as " Discover Code XXXX '' specifically for that reason.
Product: Payday loan, title loan, personal loan, or advance loan

I tried calling NetCredit and spoke to XXXX. I requested that they please drop those XXXX late remarks on my credit report. When I was speaking to a loan XXXX ( XXXX XXXX ) at XXXX, he said they have put that comment on my report XXXX times now, and will probably be the XXXX time next week. He said that is just punitive and unnecessary. I asked XXXX if they could change the first XXXX to 90 days late and drop the rest. XXXX insisted there was nothing he could do. I'm really trying to get a loan so I can get all my creditors paid off completely and just have XXXX payment to make so I can possibly breathe again. XXXX XXXX said he had another client with pretty much the same issue. He told him to call the company and request what I did. I was told that the company totally cooperated and fixed his credit report so he could get his loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus.

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law.

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.
Product: Mortgage

In late XXXX, I was informed by Washington DC that due to an audit ( that completed in XXXX of XXXX XXXX, they had determined that the previous owner, XXXX XXXX, had mistakenly received a homestead deduction for the property during XXXX through XXXX. My partner and I purchased this property at XXXX XXXX XXXX XXXX in XXXX of XXXX. At the time of our purchase, there were no outstanding property taxes due. However, after this audit, it was determined by Washington DC that XXXX XXXX owed the district {$14000.00}. As we had 45 days to submit our response, I had reached out to the Title company we had used to establish the best way forward. However, with the COVID situation, communication was slow so it was taking awhile to patch together what had happened. In the meantime, On XX/XX/XXXX, I received a letter from Chase indicating that " We don't collect money to pay exemption revoked taxes as part of your escrow payment. However, after we received your request, we made a one-time courtesy payment of {$14000.00} to District of Columbia. '' I want it very clear that neither my partner nor I made ANY request to Chase to make this courtesy payment. Chase made an unauthorized payment on our behalf without asking as nor informing us until after they went ahead and did something. And due to Chase making this payment we have been hamstrung in fixing the situation. While Chase makes it sound like they provided a special payment on our behalf, what they really did was drain down our originally funded escrow account. Our monthly payments are going up by over 1/3rd to rebuild our escrow account. Something that would not be necessary had Chase not paid it while we contested this retroactively revoked taxes payment. Now, we are in an awkward spot of trying to have Chase ask for a refund to get our escrow money back and then also have DC negate their demand that we owe them this {$14000.00} revoked back taxes owed by the previous owner. Our title company has made it clear we were not liable for that amount. 
I have called twice to have Chase ask the DC Homestead office for a refund for that amount so that the current owners can contest the payment. Both times have been followed by Chase sending us a letter indicating that they called the taxing authority and verified that there were no overpayments on our account and that everything is paid for and on-time. THIS IS NOT WHAT WE TALKED ABOUT ON THE PHONE. Each time I have called, I have asked for Chase to work towards getting the {$14000.00} recalled back. Instead they seem to just check the box that everything is ok. Washington DC doesn't think anything is wrong either because they got their money. With the Covid situation, communications with the DC Homestead office has been extremely slow as we try to rectify this situation. What Chase needs to be contacting is the DC Homestead office and not the DC Tax office. Also why am I getting letters back instead of a person to confirm what happened. Why not a three way call set up if necessary?
Product: Debt collection

The last week of XXXX my mother was contacted by Radius Global debt collection agency about a debt that I have with them. They told her about my information and debt, yet never spoke to me.
Product: Debt collection

I was an XXXX XXXX XXXX XXXX customer but I closed the account in good standing in XX/XX/2010. Today I received a letter from EOS XXXX claiming I owe XXXX XXXX XXXX some {$140.00}, and If I pay by theXX/XX/XXXX, I only need to pay {$100.00}. I immediately called XXXX XXXX XXXX and they put me in touch with their collections department who found nothing with regards to my account. Infact the only information they have is account being closed. This is very disconcerting as EOS XXXX is making a false claim for a debt that is not owed. I am writing this request to bring to your attention the fraudulent practices of EOS XXXX which I have read on the XXXX XXXX XXXX community forum as well as many a people have been scammed by them. Here is the link. 

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

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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, are not complete and accurate XXXX 

And one more thing according to 15 USC 1681s-2 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 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 how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of the account which does not belong to me or was opened without my permission. 
XXXX XXXX XXXX Balance : {$4900.00} 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 reporting, credit repair services, or other personal consumer reports

Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

XXXX5 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. Equifax and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile. 
The law is very clear as to the Civil liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 ( e ) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 

1 ) XXXX XXXX, Acct. # : XXXX Unverified Account 2 ) Medical, Acct. # : XXXX Identity Theft Account 3 ) Medical, Acct. # : XXXX Identity Theft Account 4 ) Medical, Acct. # : XXXX Identity Theft Account
Product: Credit reporting or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

On XX/XX/23 my account was hacked. I was traveling in Florida and received a call from usaa discussing a previous fraud dispute, during the call I was only sent the text to verify. After the call that I'm guessing was a scam call the caller unknown somehow logged into my account. I have 5 checking accounts, all 5 accounts were drained of funds by using the debit cards that are fully visible on ussa sites. Theses cards had not been used previously and one card is still in envelope not open as it was just mailed that day. The hacker charged 29 transactions to USPS totalled to XXXX. They even deposited a fact check in the amount of XXXX. The check was actually only for XXXX dollar. The hacker also performed 11 wire transfers between my 5 accounts. On XX/XX/23 i called usaa to report idenity theft. They assisted in changing user name, passwords, pins,. On XX/XX/23 usaa emailed stating Usaa has declined the check fraud dispute saying I owe it. No explanation given. I can not get a response on the 29 debit card disputes. Or the 11 wire transfer dispute. Looking at the accounts you can clearly see fraud. And no one from ussa will do anything. Our accounts are frozen. Today on XX/XX/23 usaa called demanding that the overdrawn account be paid, I explained that the accounts are frozen due to fraud but the representative said it didn't matter. We have no money accounts are locked. My kids accounts are locked.