23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, VA XXXX Account number : XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by Experian as evidenced by their responses saved on the CFPB site. Despite this fact, Experian fraudulently claims the complaint is a duplicate.
Product: Debt collection

I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. 
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX 
They are dragging me along with no solid answers as to what the actual charges are for.
Product: Credit reporting

Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Debt collection

On XXXX XXXX I received a letter in the mail from AvanteUSA. 
The letter states that I have a total debt amount of {$630.00} Discount offer of {$190.00} The {$190.00} discount amount must be received by their office by Wednesday, XXXX XXXX which is in seven day from receiving this one and only letter from this company about a supposed debt.
Product: Credit card or prepaid card

I have received a card from U.S. Bank Relia Card, I did not apply for this card. I have tried to report it with no satisfaction. It is fraudulent.
Product: Debt collection

XX/XX/2019 I was in a bicycle crash and required and ambulance ride. The Ambulance was provided by XXXX XXXX and XXXX XXXX. My insurance was rather slow to pay so, XXXX XXXX and XXXX XXXX turned me over to Aargon Collection Agency. My insurance then settled with XXXX XXXX, but Aargon still wanted the remaining balance. I don't think I really owed this, but did not know how to fight it, so I paid then a settlement to go away. They have not gone away and continue to send collection letters. 

Settlement of {$850.00} was paid in full XX/XX/2019. Aargon reference number, XXXX Nevermind that Aargon probably had no right to any money, but they persist in harassment.
Product: Prepaid card

RushCard ... Need I say more? No, not really, but I will. For 6 weeks now I have been told the same thing, that a system update is causing problems. No one has offered a credit per my inconvenience. And now I 'm being informed that the escalation department handling these inconveniences may or may not even exist. Rushcard has an escalation department but they will not be responding or calling customers about an expected resolution date. That was per a customer service reps own scripts. On the website, they still boast that with Rushcard, you get your money up to two days earlier. It 's been six weeks since the early direct deposit was last available to me, personally, so I feel it is false advertisement for Rushcard to still boast they can give new customers an early direct deposit when existing customers are not getting that paid for feature. I was even told that instead of offering overtime for the outsourced employees dealing with this fiasco, Rushcard is hiring new employees to help deal with the high call volume. So it was easier to hire new people to take calls than it was to hire professionals to fix or update said system issues. As I type this, I speak and proofread XXXX ( name changed to protect the identity of the now employed ). XXXX says that in the XXXX where she is located they do n't even offer Rushcards. So the employees hired to handle the situation dont even understand why it 's frustrating. I have had to change my online password several times since I keep getting locked out due to said system update. All in all after a year with RushCard, I do feel it 's been a bit of rushcard roulette.
Product: Money transfer, virtual currency, or money service

I have a paypal claim for {$270.00} with a banking service ( seller 's bank ) XXXX. I have provided all documents asked for. They refuse to issue a provisional credit, or address that paypals policy is NO MATTER WHAT THE TRANSACTION ISSUE. if a dispute is longer then 10 days, a provisional credit WILL BE given. They've taken 2 smaller disputes I had and provisional credited those, but keep re-directing the question of they're regulation E 10 day policy. My accounts XXXX years old. So it does not give them 20 days, as stated on there policy 's. When I ask about the provisional credit for transaction amount {$270.00}. I was lied to by one supervisor. Swearing he was the best in his department and he'd go ahead and grant the provisional credit that day. That was XXXX  XX/XX/2023It's now day 12 and still nothing. Supervisor i spoke to on XXXX said there was no note of approved provisional credit, and at this stage of claim, the merchant has 15 days to respond. I repeatedly asked about the 10 day provisional credit regulation E policy on there policy page, and rep kept repeating that the merchant has 15 days, and that it very well might state that on there website, but not for this case. She wasn't sure why, but assured me ide have a resolution soon.
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 protected consumer rights to privacy and confidentiality under USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX OF XXXX CARD Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX BANK Account XXXX Account Name : XXXX  Account XXXX Account Name : US XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX CT MO KANSAS CITY REFERENCE # XXXX Account Name XXXX XXXX. XXXX XXXX CT TX XXXX REFERENCE # 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 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 information is inaccurate.
Product: Checking or savings account

It has come to my attention that Wells Fargo has issued a Non Sufficient Funds fee for an unauthorized transaction. On XX/XX/XXXX I incurred a {$35.00} fee for the following transaction : {$12.00} XXXX XXXX XXXX A previous conversation with Wells Fargo indicated that withdrawals from XXXX were unauthorized. Wells Fargo informed me they would issue a stop-payment on all future withdrawals from XXXX. However, Wells Fargo continues to fine me {$35.00} per XXXX withdrawal attempt. 

The Non Sufficient Funds fee created a domino effect of two more Over Draft fees and Non Sufficient Fund fees. These fees were incurred XX/XX/XXXX. 

I am also concerned that Wells Fargo is rearranging debits and credits, causing my bank balance to fall below {$0.00}. I believe this is done in an attempt to maximize Over Draft and Non Sufficient Funds fees. 

Total fees incurred are ( {$35.00} + {$35.00} + {$35.00} ) =  {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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. Every Experian, XXXX, and XXXX credit bureaus shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], 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 Experian, XXXX, and XXXX credit bureaus 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.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Statement of Claim : Citicorp North America has violated my privacy rights pursuant to the Dodd-Frank Act, the Gramm-Biley-Leach Act, the Privacy Act of 1974, Family Rights and Privacy Act, and the Fair Credit Reporting Act. ( All referenced acts attached in a separate document. ) These violations include due process, trespass and defamation of character. Reporting without my written authorization is aggravated identity theft, with no verification/validation of defendants actions are ultra-vires, seeking unjust enrichment and causing irreparable harm. Reporting is a false claim and a violation of XXXX  business codes, All reporting is XXXX. Plaintiff requests maximum award from the court. 
Plaintiff alleges defendant has violated numerous consumer privacy rights, causing damage of reputation in the business community, and actual damage denied extensions of credit from multiple lending institutions. The Dodd Frank Act, Graham Leach Biley Act, Family Rights and Privacy Act, the 1974 Privacy act, whereas giving no rise to a cause of action, all are instrumental in emphasizing consumers right to privacy in their personal business transactions. 
Plaintiff alleges violations of the FCRA, including but not limited to 15 USC 1681 ( 3 ), agencies have no authority, in law, and have assumed a position of authority, in consumers personal affairs. 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( b ), agencies can not furnish an account without my written instructions. 15 USC 1681n, civil liability for willful non-compliance, 15 USC 6802 Lender actions have led to defamation of character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation of the Equal Opportunities Credit Act.

Any and all reporting without my verification/validation, is thus hearsay, reporting of such tradelines, as if accurate, with no such evidence of, major violation of this states False Claims act. Reporting/furnishing to agency of no authority, and without my written consent is thus ulta-vires, criminal, XXXX crimes, aggravated identity theft, seeking unjust enrichment. Plaintiff notices courts of numerous attempts to remedy, said violations, written and verbal, no relief granted. Plaintiff seeks maximum award as allowed in this said court of limited jurisdiction. 
I sent a Demand for Deletion regarding late payments reported to the three main Credit Reporting Agencies ( CRAs ), XXXX, XXXX and XXXX. Citicorp ignored my letter, and instead sent a letter stating they can not Determine the exact information on your credit report which you are disputing. The exact information was provided to Citicorp because I included a copy of the credit report from all three CRAs showing the late payments Citicorp reported without my express written permission. 
This led to me being denied credit from American Express ( denial letter included ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX XXXX  XXXX, XXXX, AR XXXX ; XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , FL XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX, XXXX XXXX , AR XXXX ; XXXX XXXX XXXX XXXX , XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX , AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; XXXX XXXX Open Date XX/XX/XXXX High Balance {$15000.00} ; Us Dept Of Ed/XXXX XXXX Open Date XX/XX/XXXX High Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Current Balance {$860.00} ; XXXX XXXX XXXX XXXX Current Balance {$3800.00} ; XXXX XXXX XXXX XXXX Current Balance {$2400.00} ; XXXX XXXX XXXX  XXXX Current Balance {$730.00} ; XXXX XXXX XXXX XXXX Current Balance {$1500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$20000.00} ; Us Dept Of Ed/XXXX  XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Current Balance {$5300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.
Product: Checking or savings account

My account suffered multiple fraudulent charges in the months of XXXX and XX/XX/XXXX. I filled disputes via PNC banks online dispute process. They confirmed the disputes and on XX/XX/XXXX, PNC bank issued me provision credits as mandates under reg e 12 CFR 1005.11 ( c ) ( 1 ), ( 2 ) ( i ). On XX/XX/XXXX. I scheduled a transfer from PNC to one of my other accounts and went into a branch to make a withdraw from my bank. At which time the bank teller refused to let me make my withdraw saying that the fund were from a provisional dispute credit and I could not make the withdraw. The very same day PNC disabled my account access online and debit card. They canceled my previously scheduled transfer also. I called customer service and was told that my account was under review and access is locked and that if I wanted to make a deposit or withdraw I needed to go to a branch and the manager would make a decision to let me do so or not. PNC is withholding my funds and cucomventing reg e rules and not providing me with my funds. Their representatives told me that provisional credits from any fraud disputes are a courtesy and I did not have the right to use or have access to those funds while the dispute was being investigated.
Product: Student loan

I took out a private student loan with XXXX XXXX XXXX which is now  American Education Service between XX/XX/XXXX and XX/XX/XXXX. I still owe approximately {$40000.00} which is more then the loan amount I took out eventhough Ive been paying on it for several years. I read an article that they were being sued by CFPB. I need help with this. I cant get any help from AES to pay this debt off and my payments keep going up. I believe I was one of  those who was affected in the lawsuit however I cant find any information on whether my debt with XXXX/AES will be forgiven.
Product: Checking or savings account

I had {$10.00} in my account on XX/XX/XXXX. On XX/XX/XXXX my account went negative by {$19.00} & change due to renters ins being taken out. The next day, my account was negative {$24.00}, the renters ins reversed & didnt come out but the {$35.00} overdraft fee charge it my account. I transferred {$250.00} in the acct by Monday XX/XX/XXXX.. waited til today to see if the renters ins would come out again & it never did. I called Bank of the West to get the overdraft fee reversed since my acct never went negative ( outside of them charging me the fee ) after the renters ins reversed, I spoke with XXXX who stated she wasnt able to reverse it since you only get one reversal a year. So, I called the call center, I was transferred to an extremely rude supervisor named XXXX who wasnt the least bit helpful. She refused to listen to my request & just kept repeating the same information that I was going to get charged solely because the renters ins was trying to come out on XX/XX/XXXX. Explained how the branch was going to try to reverse the charge, but couldnt themselves & she just continued to be rude with no compassion whatsoever. I would have eaten the charge had the renters ins actually came out, but it didnt.. no reason to be charged for something that reversed. Completely poor customer service skills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations XXXX advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Product: Credit card or prepaid card

I have an American Express gift card that has never been used. The funds do not expire but the date on the card expired. Online American Express says to contact them and they will issue a replacement card. I called the number on the card and reached an automated line that kept saying it was having trouble understanding the card number I was keying in. Then it hung up on me. I called this number three times on XX/XX/XXXX and it hung up each time. Then I called several other American Express customer service numbers. I was put on hold and the people hung up on me twice. A third person told me they couldnt help me and that they would transfer me to someone who could. They transferred me to a disconnected number. Several numbers were disconnected. I tried contacting Amex through their customer service online portal and got a error message that my message could not be delivered. I tried contacting Amex through their customer service email and the email came back as non-deliverable. After reviewing voluminous similar complaints online it appears Amex has rigged their system so that gift card customers can not reach anyone and the company gets to keep the gift card money. I want my money back from this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is showing a late payment in XXXX and i made XXXX payments in XXXX, this is not accurate information