23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

hi my name is XXXX XXXX XXXX, I 'm writeing requiring assistance regarding the relevance of my American Express Serve refillable debit card-gift card ... ..aswell in accordance with the XXXX XXXX XXXX XXXX.program. i was offered the opportunity from a operator in a American express Serve card, discrepiancy -XXXX/call. from there within being told i would be able to attain for a fee of XXXX  dollars..not only in relevance of a lost or stolen card ... but when i agree i would be able to add a second card even if prepaid and i still would be able to have the opportunity to refferiance if not or never memorized the card or account number, .. to both by route of the American Express Served card , weather over seas  as well as refferiancible international ... with the ability to obtain with only or initially just providing my social security, ..address ... .birthdate, .aswell as the purchase date and following transactions from purchase about five transactions ... my problem is i ca n't get the right office with the XXXX XXXX XXXX ( program ) - ..i got a bunch of different numbers one was XXXX ... but none would help they just keep redirecting me.. i need my money urgently so I 'm sending this .... i even upon purchase inquired if Serve card relevance within the nesicety to contact you guys at the XXXX ... would provide immediate clarity with what i need ... from there/here i need my account number or card number as soon as possible I 'm unable to access my funds an their would be $ XXXX-and change on the card/in the account.. for the original gift card swell as there would be $ XXXX- dollars in the Serve card account/or serve card ... from there i have a bit i have to pay tomorrow early i would like you to speak to them they usually work pretty quickly the last occurrance i believe i needed a confirmation number or an refferiance number hubby if you work with haste i would be able to fulfill my obligation with no further sacrificing ACTS! ill also file an accessibility complaint with you guys refferencibly XXXX XXXX XXXX, from there associating XXXX XXXX XXXX the Section Chief ordinet, information and policy ... aswell as XXXX XXXX the decisions analyst ... to gain some alacrity ... ..but initially please help as-soon as possible i believe only a phone call I 'm just without the direct number -depatrtment relevance is severe ... pleas prior to the XXXX of XX/XX/XXXX..XXXX
Product: Credit card

Hello, I paid my account in full on XXXX. Since then, I have been charged interest and late fees on this account even though the card is closed and I do not have an outstanding balance. 
I have reached out to Comenity several times for an explanation, but the only semblance of one that I was able to obtain from a manager was that possibly an interest charge was calculated prior to my final payment and just not added to my account. 
This bill is now up to {$350.00} and they are offering no resolution. 

XX/XX/2023 Interest Charge On Purchases {$7.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$6.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$5.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$4.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$3.00} XX/XX/2023 LATE FEE {$37.00} XX/XX/2023 Interest Charge On Purchases {$2.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Product: Debt collection

IQ Data International inc is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/2013 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and XXXX and they would not listen or try to resolve
Product: Money transfer, virtual currency, or money service

I was shopping for a light fixture, and encountered a legitimate looking phishing website that resells XXXX light fixtures at a higher price. The website accepted PayPal, Venmo, and credit card.

I chose to pay with my Venmo account. Upon clicking the pay option, the Venmo app opened automatically with an auto populated invoice in the exact amount of my purchase. However, the seller charged this as a peer to peer transfer, and not a business transaction. Later, upon shipping, I realized this was all a scam because my tracking number did not work.

When I realized this was a fraudulent seller violating Venmos rules, I raised a complaint with the company directly. 

Instead of addressing my complaint, Venmo immediately suspended MY account and has not responded since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( experian, XXXX and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice. 

This one particular account I will include in this report is a whole entire fraud case from Experian! I requested Experian Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between Experian, XXXX and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one Experian alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. Experian will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way XXXX And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

We, my wife an I received a letter from XXXX XXXX XXXX XXXX where they were trying to collect a utility debt for XXXX XXXX. I disputed the debt over the phone and they still sent a follow up letter. I disputed that by saying the supposed debt occurred in Texas and we never lived in Texas nor did we, my wife and I ever have an account with XXXX XXXX as we live in California. 
The letters were addressed to my wife, XXXX XXXX. This is not our debt and On Line wanted her s.s. Number and we were unwilling to provide that to protect our identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted US Department of Education and they provided a letter. They stated that they do not have any information on me that should be reported, as they are aware that it is past the Fair Reporting Act limitations of 7 years. The reporting agencies state that US Department is still reporting and but the US Department of Education states they are not reporting. Anyway, although this account was paid in XXXX. The loan was delinquent in XXXX and closed at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contract Callers Inc XXXX - I did not receive a 30 day right to dispute this debt as it wasn't owing because it had been paid. This should not be reporting on my credit report as I never received a statement.
Product: Prepaid card

I was gifted an Amex prepaid gift card of XXXX usd and have not been able to find a single store that accepts this card in 3 years. It expires in XX/XX/30, I might expire before then.
Product: Credit card

This card has a 0 % introductory interest rate until XXXXXXXX XXXX XXXXXXXX. The company has been illegally  breaking their contract and charging interest on the card since XX/XX/XXXX and is currently charging interest on each statement. 

I would like to be reimbursed for the interest charged as well as extend the 0 % interest introductory rate for as long as they illegally were charging me interest which is another 6 months through XXXX. 

I will also bring this up with a lawyer to get more money from them breaking their contract. And plan on closing my account because the company XXXX  and doesn't care about their customers when my XXXX credit card experience is the exact opposite and I don't have issues like them breaking their contract.
Product: Credit card

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I set my account up to make automatic payments from my bank, I have been charged XXXX {$41.00} late fees driven by paper statement fees and poor processing by Synchrony bank.
Product: Checking or savings account

We have a lawsuit in process against our mortgage company and my attorneys need copies of selected cleared/cashed checks for evidence in our legal suit. The decision was made for us to retrieve said check copies because it would ( should've ) be easier and a more convenient option. However the process of obtaining these check copies from our local branch has been unsuccessful. For the past 2 months my wife and I have been calling and visiting our local branch in XXXX Indiana consistently explaining how important these check copies are only too be ignored. We have spoke too both managers at our local branch in XXXX Indiana and they tell us they are working on our request but keep coming up with nothing. I personally told one of the managers they are WITHOLDING evidence to a legal case and my attorneys are needing these check copies ASAP and that has not helped at all. We are currently waiting on a call back from one of the managers that we were told would happen 4 days ago, still haven't gotten that call back. We have even offered to provide a fax number and email address to receive said documents and the managers declined.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX, 60 as of XXXX and XXXX, XXXX, 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX, and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Checking or savings account

Chase Bank locked me out of my account and threatened to close my account in 10 days. I have a XXXX check to be deposited on XX/XX/XXXX. I can not get access to my account with Chase and they robbed me of {$4700.00}. In one day. Please help me get my money back from these crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing currently documents received from " Experian '' in reference to an account under the name : XXXX XXXX XXXX XXXX. 

According to Experian : the company has some how verified this account. Of which resulted were not satisfied. As a result of this response Experian response. I hereby challenge the company methods of verification under federal law section 609 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX   XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX  XXXX DPEDXXXX   XXXX DPEDXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I 've disputed this debt with Senex Services and the credit bureaus but Senex continues to verify the debt as mine when in fact it is n't. I requested them to validate the date which they have yet to do and to report a debt that is being disputed before the completion of a thorough and fair investigation is a violation of the FDCPA and FCRA. 
Duly noted as I request assistance from the CFPB in helping me resolve this matter correctly and fairly
Product: Debt collection

I have been contacted by 2 family members and my ex-husband regarding phone calls they have received from Allied Consulting Services. ACS has been contacting people I know advising that they are calling regarding a judgment against me. I called Allied Consulting Services and they admitted to providing my family and associates with this information and stated they legally can tell third parties that there is a judgment against me. I am not currently going through a court case with anyone and no lawsuit has been filed against me. The tactics this company is using are illegal and harassment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX received text from XXXX XXXX XXXX, Mobiloans LLC stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call. 
I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX and JPMCB AUTO FINANCE add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of this year I was notified that Nexus Lexus put false information onto my driving record without a correctly investigating. I reached out to XXXX XXXX  who handled the claim and received proof that I was not at fault. Nexus Lexus IS now ignoring my request to investigate proper information. I have reached out to them several times and no response. Please help. I am paying hundreds more on car insurance and its not my fault. I have also reached out to the XXXX of Ohio to try and fix and they said, they dont handle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender is unable to pull my credit report because Equifax had a lock, a freeze, and some sort of identity verification on my account. 

I started a refinance process in XX/XX/XXXX it is now XX/XX/XXXX and the lender is still unable to obtain my credit report. 

I phoned Equifax, in XX/XX/XXXX to remove the lock on my account. Equifax processed the lock removal and I thought that all was clear. However, when the lender attempted to obtain my credit a fraud alert from Equifax prevented them from getting my credit. On XX/XX/XXXX, I called Equifax and was told the account had a freeze, so I asked for its removal. Once again, the lender attempted to access my report, and again Equifax had a block! This time Equifax told me that I needed to provide a copy of my license and Social Security card by mail or fax and that it would take up to 10 days to process! When I asked the agent why Equifax and only Equifax required this information, they could not give me an answer. 

I need this fixed because interest rates are going up and because of financial necessity.
Product: Student loan

Student Loans with stipends have not been dispersed, but we are being charged interest. We are not being provided any information about where our money is, other than we are in " receivership. '' The receiver does not have our money, but evidently it has been distributed by the Department of Education, but it has not been filtered down to the students. Students are being evicted from homes, cars are being repossessed, credit cards are not being paid ( meaning credit is being hurt ), people can not afford food or electricity. We need answers and help now!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXXXXXX