23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year>, we needed to provide our XXXX year-old daughter with a gift card to take on a band trip to another city whose venues did NOT accept cash. We purchased a Visa Gift Card from our local grocer at XXXX for {$100.00}. Later, we took our daughter to the store to show her how it worked and how she should use it. The card had a {$0.00} balance at that time. The store was apologetic, but could do nothing to help. 

We notified the bank who ISSUED the card, who continues to tell us that this matter is still under investigation. It has been months now. We have requested the vendor who accepted that card before we were able to use it, we requested the identity of the individual who used the card, we requested whether that particular card number and details were polled by any party in advance of our purchase. 

It is established that people manipulate these cards, obtain the information therein, and reseal the cards. They then poll those cards to see if any have become activated by a purchaser. Upon seeing a balance, these cards are then used immediately, draining them of value. 

All requests for any information from the banking institution were denied. 

The name of the institution ON THE CARD is XXXX XXXX, member FDIC. The name of the company taking calls PERTAINING to the card is Blackhawk Network.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22. I sent a letter to Credit Bureau Experian in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. 

On XX/XX/22. I sent a credited letter again to Credit Bureau Experian in regard a charge off from XXXX XXXX. Sold to XXXX XXXX XXXX XXXX XXXX. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau Experian in regard a charge off from XXXX XXXX. Sold to XXXX XXXX XXXX XXXX XXXX. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX is reporting a late on XX/XX/20. Due to the unanticipated events in my life surrounding XXXX, I was affected financially. During this time, I was paying my absolute necessities and was really struggling. I was surprised to see Comenity Bank report any late notations at this time because the bureaus did ask creditors to take leniency on credit reporting during an unprecedented pandemic. I have been current since and was never late before. I ask that Comenity Bank please make a one time goodwill adjustment and remove the late.
Product: Debt collection

In XX/XX/2019 I received an alert from my credit reporting service that a collection company, IC System, was attempting to collect a debt in the amount of {$410.00} from me on behalf of a company XXXX XXXX XXXX. I sent a letter to them in XX/XX/2019 requesting verification of this debt, any instruments that stated they could legally obtain this debt, and to inform them that they were violating the Fair Debt Collections Practices Act ( FDCPA ), HIPPA, and FCRA. I never received a response and this erroneous debt that was placed on my credit report continues to be there affecting my status and credit scores.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the account sand remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA.

I sent the 4th letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting or other personal consumer reports

My closed paid in full student loans ( closed two years ago through PSLF ) keep reappearing on my credit bureau as open accounts. They appeared on my XXXX again this week. I have spent hundreds of hours on the phone with Mohela and made half a dozen requests to correct my account with credit dispute requests which are denied as correct by Mohela for some reason, even though accompanied with screenshots of my paid in full accounts and pslf forgiveness letter.
Product: Checking or savings account

On or about XX/XX/2023, I received a marketing flyer in the mail from American Express National Bank that had my home address ( XXXX XXXX XXXX, XXXX, TX XXXX ), but the name of the person who the flyer was addressed for was XXXX XXXX. No person with that name lives at this address, and I have lived at this address for almost XXXX years. When I contacted American Express Bank on or about XX/XX/XXXX, I was told to fax a copy of the flyer to their fax number - XXXX - which I did. Nobody from AMEX Bank has called me since. I then called them on XX/XX/XXXX and was told to call the Legal Department - XXXX - on XX/XX/XXXX, which I did. At my request, the Legal Department attempted to transfer me to the Marketing Department, but the call just got back into their regular call answering system, which does not have a number to press for the Marketing Department. I am now contacting you as you enforce banking rules for AMEX Bank.

The only thing I have wanted to do since I first received the flyer was to find out how they got XXXX XXXXXXXX XXXX  name to be tied to my address when they sent out the marketing flyer, and ask them why they sent the flyer with his name to my address. I want to make sure there is no fraud being attempted, especially by XXXX XXXX using my address.
Product: Payday loan, title loan, or personal loan

I want this company to stop pulling payments early. It is not the 1st time they have done this. I have emailed asking them to stick to the contract and never get a response. I have called and been told it will not happen again, yet here we are. Another month where my payment, which has never been late, is pulled early.
Product: Mortgage

XX/XX/2020 I spoke to man that worked for quickened loans, we came to a halt because I didn't have my w2s handy so we agreed that I would get those documents and call him once I did, during out phone conversation he never once asked what my credit was let alone ask permission to run my credit score. Tonight I received a notification that I got a hard inquiry by him again without even talking credit or permission. I would only authorize someone to run my credit if I know the deal was going to progressive and had all documents needed. I would like to know what to do next because I feel this is very unprofessional and against the law to do that without consent.
Product: Money transfers

I am writing because Western Union is not taking sufficient steps to prevent fraud or identity theft against consumers. I received a letter in the mail stating that I had transferred funds on a specific date and that these funds had not yet been retrieved. As I had never transferred funds through Western Union, I contacted their Consumer Fraud Hotline. After explaining the situation and citing the specific letter I had received, the representative was able to tell me the location of the transaction and that cash had been sent using my name, address, and date of birth. I explained that I had not made that transaction and that I did not know the person to whom the funds had been transferred. Even after explaining this, the representative failed to even apprehend that I was trying to report a fraud. He simply offered to refund me money. I explained that I had not actually lost any money, as someone else had sent their own cash using my name, and that I simply wanted to report fraudulent activity. He stated that all Western Union could do was to block any use of Western Union under my name ( such that, even if I myself wished to use Western Union in the future I could not do so ). I asked if there was any way to notify me if someone tried to use my name in the future. He stated that there was not. I then asked if he could send me some confirmation that any use of my name would be blocked in the future. He stated that they did not have the capacity to do so. I asked to speak to a supervisor and he also refused to either send me written confirmation that use of my name to transfer funds would be blocked in the future and also stated that they could not notify me in the future if someone attempted to use my information to transfer money. I expressed concern that this was inadequately protective of consumers and the supervisor still stated that there was nothing more that he could do. He did not offer to open an investigation into the individual who had made the transaction ( even though the name of the recipient of the fund was listed on the letter I received and provided to Western Union by me ). This supervisor 's name was XXXX and his identification number was XXXX, a supervisor in the Consumer Protection Unit. The conversation took place on XXXX/XXXX/15 at about XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX  Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Previously filed complaints with this agency for this ... will be acquiring legal counsel if this attempt does not satisfy ... Most recent previous numbers are XXXX & XXXX ... .Medical collection is still allowed to be on Transunion and XXXX reports... According to new law passed recently, all medical collections are to be removed from credit reports... XXXX XXXX XXXX is a medical/dental bill sent to collections agency XXXX XXXXXXXX XXXX XXXXXXXX because of failed insurance coverage ... .It has been removed from XXXX back in XX/XX/22, yet still remains on Transunion and XXXX after numerous disputes... this is an ongoing issue with Transunion and XXXX... it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1700.00} ( XXXX ) XXXX XXXX {$1000.00} ( XXXX ) Hard Inquiries XXXX  ( XXXX ) Santander Consumer USAXXXXInquiry ( XXXX ) XXXX XXXX XXXX- Inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX-Inquiry ( XXXX )
Product: Money transfer, virtual currency, or money service

Didn't send warnings concerning sending money. Zelles was sent in error
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX//18. I received these very vague responses attached, more than 30 days later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA. 

LexisNexis claimed to contact the bankruptcy court. I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

The item in question is as follows : US BKPT CT IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.
Product: Mortgage

The two companies at issue are XXXX XXXX XXXX and Planet Home Lending. The loan was transferred to Planet Home Lending in XXXX of XXXX. 

The mortgage companies have been charging me for real estate taxes and homeowner 's insurance through an escrow portion of my monthly mortgage payments. However, since loan origination in XXXX I have always paid the real estate taxes directly to the City XXXX XXXX. And I have always paid my homeowner 's insurance directly to XXXX XXXX XXXX. 

I have provided proof to both lenders that I make payments directly to these entities. An I have requested from them that they provide me with copies of bills paid and the names of the municipality and insurance companies they have paid out of my escrow account. 

They have refused to provide copies and receipts of payments made from my escrow account. They did provide a transaction report but that does not identify where the money is being sent. And they continue change the escrow portion of my payment, when in fact, I should not have an escrow account since I pay taxes and insurance directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is showing XXXX XXXX  credit card account as closed, when this account is still open. I spoke directly to XXXX XXXX XXXX today, XX/XX/20 and they confirmed the account is still open and they are reporting it as such. This goes to show how much Equifax reports inaccurate things on consumer credit reports and this should be illegal to update ones file without first verification and/or validation.
Product: Debt collection

Upon reviewing my credit report, I found multiple fraudulent accounts that were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive been trying to dispute several item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased the Equifax credit monitoring product to monitor my credit score and to see what was in my credit file. OnXX/XX/XXXX my credit score was XXXX. On XX/XX/XXXX I purchased the Equifax complete premier plan to check my score and it had dropped down to XXXX. I clicked on the tab to see what Equifax said the reason was for my Equifax score dropping from a XXXX on XX/XX/XXXX to a XXXX on XX/XX/XXXX 
This is what Equifax said : Helping your score Your credit score is low enough that you do not have any significant factors that are helping your score. You should read the factors that are hurting your score closely, and make an effort to change any negative behaviors or habits that are hurting your credit score. 
Hurting your score You've opened credit cards recently. ( 1credit card which was on my report last month ) There is insufficient information about mortgage accounts. *The same information is in my Equifax report that has been there for almost 14 years in reference to my mortgage and this note was never in my file. * I feel that this Equifax product is not reporting accurate credit scores! I have had old negative items removed, balance decreases, and positive payment history and my score with this product is not increasing only dropping!!!. I have no collections or public records in my credit file. I believe this product that Equifax is selling to consumers is very deceptive to keep you buying their product especially if you're trying to improve your credit score and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score.

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting

My credit report has information not belonging to me. And there is another SSN that is not mine. I have pulled the report with all XXXX agencies and they show items from XX/XX/XXXX. I am press for time in getting this repeatedly removed. There is XXXX in this process and ID theft during XX/XX/XXXX. I place a watch with several companies and no resolutions in site.
Product: Credit card

This account has been paid off and I was told it would be removed from my credit report and it has not been removed.