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

I signed up for this Sam 's Club World Elite Mastercard at XXXX XXXX at my local Sam 's Club in XXXX XXXX. From that moment on, I have had nothing but trouble. Even the store manager had problems with this card company! 
They are impossible to contact and believe me I have tried many times. I have no idea who owns this card company, but I believed that since it was through Sam 's Club and that it is a Mastercard, I could pretty much trust it. I was sadly misled. 
I recently received a letter from the company saying they noticed some recent activity on my card. Well, for one thing, I have been in the hospital for over a week ( 10 days ). They ( unless this is a scam ) gave me a # to call XXXX and a one-time passcode : XXXX which has done me no good, since I can not get ahold of anyone! I have called numerous times. Plus I tried to reach them because they had a charge of over {$100.00} that I do not recall very making. Then to make matters worse, this so-called credit company has ruined my almost 800 credit score!!! I hope you will be able to reach them and get this resolved. I have asked for a paper report of the charges and have received nothing! Sinceely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My complaint are more so directed at XXXX for reporting information that does dot belong to me. I have recently sent my FTC Identity Theft Report along with Affidavit directly to credit bureau 's regarding my credit reports. I will upload information pertaining to my complaint prior to submission.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the removal of certain information from my file. The items needing deletion are outlined in the attached report. I am a victim of identity theft and did not authorize these charges. Correcting my credit report is crucial for me to proceed with purchasing a home. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of their Identity Theft Affidavit for your reference. I kindly ask for your prompt attention to this matter and the removal of the items as soon as possible. Thank you. ''
Product: Credit reporting or other personal consumer reports

We were going to change our Social Security deposits to an existing account which we haven't used much. Because of their rules to have a debit or credit card we chose credit card. When trying to get the card, our PIN numbers for our security freeze did not work. We then submitted our credit information to be sent to our mailing address. 
I typed in the information into their computer and when we got the written information to our XXXX XXXX XXXX the name came back as XXXX XXXX and it told him they had no credit information on him. We requested checks to be sent to the credit union on XXXX XXXX XXXX in XXXX, XXXX. XXXX since that is the branch near us and with whom we were working. When I checked on the whereabouts of the checks XXXX told me they were sent to our home address. I specifically requested they go to the credit union. 
We never did get our credit reports to be sent to po box and they never arrived. While we were there working updating the account, XXXX, the manager walked in and disappeared. Another young man was in one of the cubicles on his computer. 
I think there is a problem with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. The first day we opened the account a couple of years ago, our mail was dumped all over our front lawn, which resulted in the use of a XXXX XXXX XXXX in XXXX, XXXX. XXXX. We immediately canceled the account at the main XXXX office on XXXX XXXX, but I doubt the person closing it. did much about it. He seemed rather indifferent to the complaint. 
We rented a condo in XXXX XXXX XXXX  from some people by the name of XXXX and XXXX XXXX XXXX XXXX XXXX who live on XXXX in XXXX, XXXX  XXXX. Our lives have not been the same since.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Money transfer, virtual currency, or money service

My Coinbase account had verified my XXXX checking account and identity years ago. Recently after logging in and moving Bitcoins from my wallet to my vault I tried to move them back to my wallet. The transaction has been " waiting on approval '' whatever that means, for over a week now. I opened a ticket with their " support '' bot six days ago and have only received an email that says they got my request. No follow up, no contact. I found that one of the few things I could do in my Coinbase account was verify my bank account ( again ) so I thought maybe since it had been a few years I might have to do that. I started that process. They verify your account by sending two small sums of money. Usually a few cents. You then verify your account by verifying the amounts after you get them. They say it could take up to three business days to get the amounts. It has been four business days since I began that process and I have no small deposits in my account. I am frustrated because Coinbase " support '' does not support the customers. They do not respond to service tickets.
Product: Debt collection

1. DISCOVER FIN SVCS LLC DATE FRAUD BEGAN XX/XX/2017 {$4100.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Product: Debt collection

XX/XX/XXXX I called Navy to update contact information due to being homeless since XXXX. I had no active phone number or forwarding address. 

XX/XX/XXXX Email notification from Navy FCU Dear member, This message is to advise you that one or more of your debts remain ( s ) unpaid and has been declared as a loss to Navy Federal. Please be advised that you are still responsible for the debt ( s ) and we'd like to work with you toward a settlement. 

If you have any questions or you'd like to discuss this matter further, you can call us toll-free at XXXX extension XXXX Please don't reply to this message. 


On Settlement Offer was issued via email by Navy received on XX/XX/XXXX at XXXX XXXX " Our records indicate that you have an outstanding balance of {$10000.00} for the account ending in XXXX. You are responsible for the debt, and collection activities will continue until you have made arrangements to resolve your account. '' 1. Pay {$4200.00} 2. Pay 36 monthly pmt {$230.00} 3.Pay minimum {$100.00} month til balance is repaid. 

The notice had No expiration or due by date On XX/XX/XXXX XXXX IRS tax refund was issued to my checking account in the amount of {$9900.00}, Navy federal without notice seized the entire amount and paid the debt that was previously declared as a loss, and illegally accessed my checking account and transferred funds to other to repay the debt, there was no date listed on the settlement offer as a date of expiration. They pretty much just went into my checking account and took my money without judgement or legal court order with no prior notice that the funds was being transferred or froze.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from Moneylion Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make XXXX XXXX of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX representative, on this agreement. I made XXXX XXXX payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my XXXX credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. Infact  I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this XXXX on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with XXXX many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.
Product: Credit card or prepaid card

In XX/XX/2015 I opened a Credit Card with Pentagon Federal Credit Union. I fell on hard times due to a accident that left me incapacitated. Nonetheless when I received my settlement money I called Pentagon Federal and spoke with a nice woman about taking payment for both my line of credit and credit card. The woman advised me that she would have someone give me a call back making sure that I was still able to pay on the card since it was close to approaching Charge-Off Status. The woman called me back the following day and stated that I just met the cut off stated her supervisor and she then proceeded to take the payment information. 
I would never pay money that I do not have just to have them report my credit on my credit as a charge off. I could have kept my money. In good faith I called to pay them and now they are stating that it was paid after it was charged off. If this is the case they need to give me back my money. The woman I spoke with was 100 % certain that it had not reached charge off status and that was how I was even able to pay the balance. This makes no sense and they are hurting my chances of purchasing a new home because of it. Not to mention my daughters tuition payments hold a higher than usual interest payment since they did this XXXX. I have the name of the woman some place and will send that in as soon as I locate it. I am tired of trying to fight these people to do what is right.
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 15 USC 1681.

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX # XXXX, Account XXXX # XXXX, Account XXXXXXXX XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, and Account XXXX XXXX XXXXXXXX, 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 information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.
Product: Credit card

discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. 
account # XXXX
Product: Credit reporting 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 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, payment history, closed date and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 



These bureaus have not done a proper investigation at all on any of my disputes and should be held liable for the damages to my personal and financial life due to there lack of care for the consumer and the harm it causes them when they dont take there job seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX XXXX XXXX; sent a letter certified mail to trans union about their reporting of my consumer information, facts ; in 15 usc 1681 stating that they must investigation to evaluate the credit worthiness of a consumer, which they can not do neither a number can really determine my credit worthiness, also pursuant to 15 usc 1692g ( a ) no validation has been obtained in any of the info they are reporting which is as defined by 15 usc 1692e, False and misleading also a contradiction to FCRA. I was also informed by the supervisor that can report without following any procedures they report what they are giving no investigation is needed ( XXXX supervisor of fraud ).
Product: Credit reporting or other personal consumer reports

I want these inaccurate addresses removed from my credit report immediately. These errors are not just a minor inconveniencethey could lead to serious consequences, such as fraud, identity theft, or misrepresentation of my financial profile. My credit report should reflect only my true and verified address, and I shouldnt have to deal with the fallout from mistakes that arent my fault. Its critical that these addresses, which have no connection to me, are completely removed to ensure my financial integrity and prevent any potential complications in the future. I expect this matter to be addressed without delay.
Product: Debt collection

I looked on my credit report and saw Enhanced Recovery on there for a debt I do n't owe. I sent for validation request to them and they just keep ignoring me and continue to report this error on my credit. They never notified me that they were about to report anything on my credit. Enhanced Recovery is in violation of the FDCPA
Product: Checking or savings account

I received checks from TD Bank that I did not order from an account I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

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 How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per
violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX