23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I just recently received a new way2go debit card for my child support payments and this weekend was the first time i received a payment on my new card. I activated the card and created a pin as soon as i received the card, which then deactivated my old card that was used for my child support payments. When i first tried to use the card at a gas station near my home the card was declined. Thinking maybe i might've already forgotten the pin, i went onto my app and changed my pin then went back into the gas station and attempted to use it again but it was once again declined. I tried the ATM thinking maybe their card reader was down again but my card was once again declined. So at that point i attempted to use my money by transferring it to my XXXX account, then my XXXX XXXX account and it continued to decline my attempt. Then i tried sending money to my fiance and it finally allowed me to send him money but only in increments of XXXX {$3.00} or possibly XXXX times. So thinking the issue was finally fixed and my card was working we went back to the gas station and once again my card was declined. At the time it was after hours to call customer service so we waited until morning and tried numerous times to contact someone about the situation with no luck. So we thought maybe it's the actual card but still works online... we then attempted to place an online order through XXXXXXXX and once again the card was declined. at this point i was very upset and confused. My fiance finally was able to get ahold of a call center and the lady only made the matter worse by completely deactivating the card, somehow. To be honest, i have absolutely no idea what the issue is. If you go on my app or the website, it doesn't say that my card is locked and it shows the transactions i made through XXXX and or XXXX XXXX. but no matter where i try to use my card now, online or in store, my card is declined. The funds are on the card and you can clearly see that i was able to transfer funds via payal a few times. So can someone please explain to me why my card is declining every transaction and please help me transfer my funds from this card/account onto my personal account. Or at least make my card work so that i can be able to use the funds on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is located in XXXX XXXX, Tx and I live in XXXX, Tx over 4 hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXX has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
Transunion has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.
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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Opened XXXX {$8300.00} Account Name : XXXX XXXX  # XXXX Opened XX/XX/XXXX -BALANCE {$470.00} Account Name : XXXXXXXX XXXX # XXXXDate Opened XX/XX/XXXX - BALANCE {$8300.00} Account Name : XXXX # XXXX Date Opened XX/XX/XXXX - Balance {$130.00} Account Name : XXXX XXXX # XXXX {$8300.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX -Balance {$55.00} Account Name : XXXX XXXX  # XXXX Opened XX/XX/XXXX -Balance {$5300.00} Account Name : XXXXXXXX XXXX  # XXXX Opened XX/XX/XXXX -Balance {$14000.00} Account Name : XXXXXXXX XXXX # ****Date Opened XX/XX/XXXX - {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello I have for almost a year now have been following the law to have these credit bureaus TransunionXXXX XXXX XXXX XXXX look into accounts that I truly know are incorrect and inaccurate as well as fraudulent. I have been on more than XXXX occasions a victim of identity theft. 

I have sent dozens of certified letters and filed probably a dozen cfpb complaints on this manner. They have for a year straight violated the rights according to the LAWS pertaining to credit. 

Fair Credit Reporting Act ( FCRA ) XXXX XXXX b ) ( XXXX ) Modify the information, delete it or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. The law is very clear that the items must be deleted I would dispute the items and they would month after month send me reply after reply stating that the items are accurate and verified. Yet There hasn't been any proof sent on behalf of the credit bureau verifying this with any documents I have signed or committed to create. 

When I would question them on letters after their " alleged '' verification, I would ask how did they verify the accounts, what source they used and who was involved the names and method by which they " verified '' the items. 

Transunion, XXXX XXXX XXXX has yet to send me that proof or response. I have spoken with XXXX XXXX XXXX and they say I do have a case. Every letter I have ever sent them has been certified and trackable. 

I too can prove how they have broken the law for a year straight now. 

The amount of debts ran up on my credit are all fraud and I have even summited a police report and FTC identity theft report and sent those files to each of the XXXX credit bureaus listed in this complaint. 

Still Negative items that haven't been proven time and time again or verified or validated still remain on my credit report. 

Each time I would call and dispute I would always get a foreigner from another country more so the XXXX and they don't help truly dispute. 

At this time I am pleading with you all to help correct this error on their part. My letters explained how they are violating the law time and time again. 

The dates are from XXXX was when I first began the process of disputing inaccuracies. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Are all the months I disputed last year that I can remember. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with Last month XX/XX/XXXX I have disputed items every months listed and the same items and the same process the companies are not following the law as I have requested the items to be removed for violating the law and they are all incorrect and inaccurate.
Product: Student loan

PAID OLD LOANS IN FULL, BUT THEY ARE STILL REPORTING NEGATIVE DESPITE BEING OVER 10+ YEARS OLD. HAVE FILED DISPUTE WITH CREDIT BUREAUS BUT WITH NO SUCCESS.
Product: Credit card or prepaid card

I have spoken to Citibank/Macys several times and was told the debt was sold to XXXX XXXX XXXX . I called XXXX XXXX services back in XXXX of XXXX, then again in XX/XX/XXXX and again on XX/XX/XXXX and was told each time that they are no longer collecting on this debt and they can not take any payments, that the debt has been closed out and discharged. I was told they were going to remove the negative remark and reported balance on my report since they would not allow me to make a payment to satisy the debt. I was told it would be done in 30days and if it was not done by XX/XX/XXXX that I am to file another complaint with CFPB so that is what I am doing. Last representative that I spoke to was XXXX with ID # XXXX and she assured me these items would be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX is a credit building company. They guarantee to help you build credit to increase your credit score. They are not reporting monthly to credit bureaus like they promise they would. My balance is {$100.00} but on my credit report it is showing {$140.00} and it hasn't been reporting to Equifax since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX XXXX XXXX stating they will be servicing my XXXX XXXX XXXXXXXX XXXX loan. This loan appeared on my Equifax credit report under XXXX XXXX XXXX  until XX/XX/XXXX. On XX/XX/XXXX, my Equifax Credit report showed two loans, one for XXXX and one for XXXX XXXX. 

On XX/XX/XXXX, I filed a dispute with Equifax stating that XXXX was serving my XXXX XXXX XXXXXXXX XXXX loan. It was explained that XXXX was a loan-serving company and not a financial institution issuing loans. On XX/XX/XXXX Equifax released the findings of their investigation. Equifax stated through a third-party vendor investigation of public records the information on my credit report was correct. I have contacted both XXXXXXXX XXXX XXXXXXXX XXXX XXXX and both companies deny any inquiries by Equifax regarding this issue. 

The Credit Report Equifax is providing is incorrect and overstates my liabilities, effecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX reviewed my recent consumer report and there are inaccurate and unauthorized transactions and reporting on my file that need to be deleted and updated to PAID AS AGREED/ PAID IN FULL? CURRENT and all GOOD standing marks Only showing on my consumer file.

I see that there's late payments and negative reporting transaction showing on the credit file and I am in need of all the PROOF and EVIDENCE for the Creditors and the Consumer reporting agencies to furnish and report any of my information to any 3rd parties.

If they do not have my written permission to report, then, they MUST remove and update my credit report as I demand...

15 usc 1666b- No corporation can report and furnish any late payment for any reason without the consent of the consumer. PROVIDE PROOF PRIOR TO REPORTING ILLEGAL Information that is inaccurate.

These corporations and consumer reporting agencies must delete the inaccurate information immediately XXXX, XXXX I have never been late... Never been late as this account is paid in full/ Current. 

XXXX XXXX : I have NEVER been late and I need this account to be updated.

I also need a copy of the 1099c and the title as they are in breach of contract and breach of fiduciary duty. I sent IRS the 56 form, 3949a, 211 ... with a w4/ 1040v/ 1040/ Proof of fraudulent transaction and payment history. They owe me all the unearned interest payments for all the months that I overpaid since 2003. 15 usc 1615 XXXX XXXX XXXX XXXX : I was NEVER late and I need this updated immediately. They also need to send me the 1099c, Processed Documents, warranty deed, and all the unearned interest payments that I have overpaid and that they are not paying Taxes on as this is proof of securities fraud. 

XXXX XXXX : I was Never Late. I need this account updated. 

XXXX : I was NEVER late and I need the account updated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.
Product: Credit card

I was charged {$140.00} for a XXXX XXXX station on XX/XX/year>. But I never use the card to purchase that gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank, XXXX XXXX XXXX stated that my account was closed with my consent on XX/XX/2022 on XXXX XXXX, but I didn't closed my account, I didn't closed any account. I have requested for a supervisor to revise the recorder call on that day and I didn't receive any response. I reported to XXXX as well with out resolving because Synchrony mention that closed my account " per customer request ''. 
I want to have my account reinstated and resolved my credit score as well.
Product: Checking or savings account

Everyone 's funds are frozen in Juno, backed my XXXXXXXX XXXX and XXXX, FDIC insured.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am using XXXX to buy some small stock investments. PNC will not allow the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I own a XXXX credit  card, an XXXX credit card and had a personal loan with XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( XXXX, Equifax and XXXX  ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XX/XX/XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting. XXXX XXXX clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the XXXX cards and loan in full so my FICO, XXXX, and other scores will go up before completing the purchase. I have been waiting weeks for XXXX to do its job and update my information correctly. 

I called XXXX CSC on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XX/XX/XXXXfor my dispute to be solved. Nobody from XXXX was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by XXXX the next cycle. Is unfortunate that XXXX seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that XXXX XXXX will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to Transunion, XXXX, and XXXX  regarding this bankruptcy on my account but I have yet to receive a response regarding this information or how this information was pulled and put onto my credit report. 

I sent a letter regarding this information XXXX XXXX and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to dispute a account which has been paid with XX/XX/XXXX and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well
Product: Debt collection

this company alleges that i owe XXXX dollars but refuses to send me an original contract with my name and signature to verify the debt. ive tried to reason with them for months. the only thing they sent was a photo copy of something that i didnt even recognize. my next step is small claims court.
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. 

1.XXXX  XXXX ACCOUNT # XXXX has violated my rights. 
2.XXXX  XXXXXXXX XXXX XXXX ACCOUNT #  XXXX has violated my rights. 
3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person has reasonable cause to believe that the information is inaccurate.