23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

In XXXX XXXX XXXX my card used to edd benefits was personally cut up by my self. I thought the pandemic relief was ending. I learned after that there was an extension but I was put in a process that required me to complete a IDMe verification before any payments were made. However I was to certify for benefits as normal while waiting for a email letting me know it was my turn to go through IDMe. I did certify like I was suppose to but never did receive a email.for IDMe. It took many months just to get ahold of the car edd. Once I did I was told that i did not need the IDMe process and that my benefits had already been paid. So I called bank of America to have a replacement card sent to me. I asked the balance and was told there was less than {$1.00} remaining. Completely taken back by this I asked how is it when eds has been paying me and I didn't even know. I never spent any of it. They told me I could not file a claim until I go into my online account to see transactions. I no longer had access to that account nor the email used for it. So that took even more time. Then they wanted a I'd taken into the branch and since mine was not valid I had to wait on a new one to come in the mail. I took it to the branch to verify who I was. Finally a claim was started and since there were over $ XXXX transactions it had to be filed in 2 claims. However the representative sent one part of the claim to the claims dept and one part to a different department. The part sent to the claims dept was approved for a little over {$5000.00}. The second part had to be located and repossessed to the claims dept l. This took over a month and that claim for a little over XXXX is repeatedly denied. I've ask for investigation to contact me personally but never do they. Many different Supervisors and representatives have placed noted on the account of the error of the two being separated. Showing the approval of the first part and asurring me that it would be taken care of and approved each time. I've asked.for information about the denials. All I get is a list of transcription and told I approved them. It's been nearly 2 years of reconciliation that are promised to end in my favor that don't. The fact that they allowed over {$16000.00} to be taken from my account is one thing. However the fact there was never a physical card to be used and not one red flag was put on my account for exsessive online transactions. Just seeing the transaction history prior should have put an alert for suspicious activity. Not once was the account locked up while these transactions where made. But once they granted the first part of the claim my card was locked every day almost for suspicious activity and I have to call and verify my identity to unlock it. Again not once during the deration of spending {$16000.00} online did they ever seen that necessary.. I'm overly frustrated being as I've lost a lot ..my place to live my car, my storage and it does not seem to be any fair resolution comming
Product: Credit reporting or other personal consumer reports

Due to the breach of my information being tampered with it has been disclosed delete negative entry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items
Product: Checking or savings account

My complaint is actually about a creditor that I am not associated with. JC Penny card services has allowed payments to be made from my bank account without any verification that the account belonged to the cardholder. Someone is using my bank to make EFT payments to JC Penny. I contacted them and inquired about what information they needed to take the payment and was told only a routing number and account number. I asked if they required any matching address info or anything and was told no, only routing and account number. So someone can lookup the routing number to a bank and guess account numbers until one works? They said yes, I guess so. Why would a creditor accept a payment from a bank account that is literally listed on paper checks, without any matching info to the creditor? This should be illegal. I now have to change my business bank account information, which I use for our credit card deposits and charges, utilities payments and so on. This is a huge burden that could have been avoided if creditors were required to use some form of two factor authentication to verify EFTs. JC Penny is highly unethical for allowing these payments without proper identity verification.
Product: Credit reporting or other personal consumer reports

I tried to get my free anual report from Transunion but they seem to want me to fill out a purchase money order so they can still make money from me ordering my free annual report. Then I look around the site and can't find any discolsure on how one might get their free anual credit report from transunion. Transunion denied ever being such a thing and insists I authorize a purchase money order from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX XXXX XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$70.00}
Product: Student loan

I 've been enrolled XXXX at XXXX ( XXXX, RI ) for the past few semesters and have been successfully able to defer my private student loans. Unfortunately, this semester a course that I am required to take was not offered at XXXX XXXX. I needed this course to apply to XXXX so I chose to take an online course through the University XXXX ( XXXX, XXXX ). Even though I was enrolled XXXX between these XXXX universities, I was told by my student loan servicer ( Navient ) that I was not eligible to defer my loans because I am taking classes at more than XXXX school. They told me that in order to defer, I would need XXXX school to report me as XXXX, which neither school was willing to do because that would technically be inaccurate information. I submitted documentation from each school verifying my enrollment but I was still denied the ability to defer. I am now behind on payments since I was unable to afford tuition and pay my loans at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took care of all accounts and the consumer agency keeps threatening me sending me text message their fraudulent.
Product: Debt collection

I paid the credit card in full. Then with out knowing they charged me {$2.00} which I had no idea! Which now has turned into {$63.00}! So I need help. Comenity Bank which is for XXXX XXXX XXXX. Thank you XXXX XXXX. XXXX cell.
Product: Credit card or prepaid card

On XX/XX/2022 a check was mailed to American Express in the amount of {$5700.00} to pay the balance in full from the title company my wife & I used to close on our home. One month after the payment hadnt posted, my wife contacted the title company and had another check printed in which that check was overnight XX/XX/2022. American Express never applied the check to the account because they claimed that the never received Check # 1 or Check # 2. For the third time, we had the title company give us a third check in which the check was overnighted again and received by American Express on XX/XX/2022 and the account was not credited. A third check went out on XX/XX/2022 overnighted signed for same issue American Express never received the check. The title company informed us by via phone that American Express cashed the first check from XX/XX/2022 date a whole month later and two other checks missing and as of today, the account has not been credited after the check was cashed. Where is our money. Because of the outstanding balance, it has caused issues with me getting approved for a car loan. American Express has no idea where the money is
Product: Debt collection

LOCKHART, MORRIS & MONT is some collection debt firm. They're trying to collect the debt for XXXX XXXX XXXX XXXX in XXXX Georgia. I have not been to this Hospital in years I have not lived in XXXX Georgia in 10 years. This debt is well over 7 years old. They have sold the debt to this Lockhart Morris and Mott and now it is been filed on my credit once again it has already been on my credit report for a total of 7 years under a different collection agency now they have reopened it. And as you can see in the screenshots I sent it's under two different companies same amount filed two different times at two different dates they're selling the debt around and keeping it on my credit where I am unable to progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I called XXXX XXXX to get their cable service. I specifically ask for certain channels. The rep gave me a package and I asked over 3 times did that package have the channels I was asking for, she said yes. When the installer came out and did his job, I told him to hold on until I checked for my desired channels and they were not in the package. I told the installer to disconnect everything and he called the office and told them what I said. The rep asked to speak to me and i constantly told her they lied to me so they could take their service and equipment. The installer stayed around for 2hrs and as he was standing there, i canceled the service. I mailed them back their equipment and remotes. The supervisor threaten to charge my account over {$800.00}. So I shut down all the accounts at the bank. Almost a year later they are filing this on my credit and put an amount I don't owe them in collections. I didn't have their service for 30 min so I thought. I had XXXX installed and XXXX XXXX was still letting my account remain open after I told them I wanted it cancel. I never got a bill nor a phone call. I cant see where I am responsible for the lack of professionalism in the XXXX XXXX business.
Product: Checking or savings account

I recently opened a Discover checking and savings account because I was excited to try out their new cash-back debit card. I set up direct deposit through my employer to fund the account. I use it for my every day banking. All of my money is in this back account. 

On XXXX I received an email telling me that they had noticed some fraudulent activity and that I needed to contact them IMMEDIATELY. So I called them as soon as I could, only to find out they had already completely closed my account with nearly {$1900.00} in it. Their email was extremely misleading, because by the time I had called them my account wasnt suspended, it was CLOSED, which was not reversible. Why even waste my time and have me call if youre going to close it anyway? I did nothing wrong! 

They then told me that it would be upwards of 60 days or more until I received a check to reimburse me. I cant wait that long! I work hard for my money and Im not a shady person. I dont get why my account has been closed. They offered no explanation. 

They refused to work with me and to help me understand what was happening. They provided me with XXXX resources, and now Im completely broke and Im scared of the financial ripple effect. I live on a tight budget, and having access to XXXX money is incredibly scary, especially when I go to work every day to make money and the bank decides to close my account without giving me a chance. There was XXXX warning, and I still have no idea how Im going to survive or keep my apartment. Im absolutely devastated. 

My account was in good standing, how are they allowed to do this to people? I have to panic and figure out a way to survive because they closed an account in good standing? Makes XXXX sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : US BKPT CT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct XXXX complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

On XX/XX/22 My XXXX and my USBank Account was hacked. Sending a charge of XXXX Dollars to someone through XXXX, and a charge of XXXX through XXXX. I immediately changed my password on XXXX and called USBank to submit a claim as fraud. I didn't even have to lock my account because USBank flagged it immediately as fraud. I was informed it would take XXXX to 90 days for my dispute to be solved. When I called a week later to check up on the status of my claim, they informed me that they admit it was fraud but that my request was denied, and I would receive a letter in the mail if I disagreed. XXXX dollars is my livelihood and USBank has not worked with me at all in trying to investigate this very clear act of fraud that they ADMITTED TO. I have called USBank 8 times since this all started. I have gone inside 4 USBank to try to talk to a personal banker or someone who can do some further investigation. Even setting up another account to transfer my money to as been completely unprofessional. The response is always there is nothing that can be done ; they're not in charge of that department. On Tuesday XX/XX/XXXX I went into two more bank branches the same treatment of dismissing me with the words there's no number I can call, only an email. I've emailed the Fraud department about my concern, no reply. I have been a loyal customer of USBank for years and to be treated like that amount stolen from me doesn't matter is absolutely ridiculous. I have not been asked any questions to further the investigation, I have not been called or treated with any respect. To have to find out my request was denied while also admitting to fraud is completely illegal. I am going to go into a bank branch every single day until I get my money back. I will call and call until someone speaks to be about this issue and can explain how money I never authorized can not be returned to me. I called the very same day it was taken from me. I reached out to XXXX there's an investigation going on there as well. I have contacted XXXX 's chat agent twice on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the matter of disputing the XXXX sent over from my bank account over to another user. Whoever hacked my XXXX must have accidently sent the money to the wrong user because that user is my roommate. She forwarded the money back to me. XXXX claims to dispute that the money should have never been sent they need to contact the user but have not done so. I am a single woman trying to support myself and I can not have all of my savings I've worked hard for years to be taken in just one day, and to have these companies say they can do nothing about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account, i'm not responsible for any transactions. I didn't sign documents or contracts with this company.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute # XXXX on XX/XX/XXXX with XXXX requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.
Product: Debt collection

I sent a debt validation letter on XX/XX/XXXX to Phoenix Financial Service this company has failed to validate my debt instead they sent I for regarding a procedure and XXXX codes which I know is a violation of Hippa regulations.I never signed a release form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.