23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$200.00} to an account held by XXXX XXXX XXXX at a XXXX XXXX  branch. It was a refundable deposit on an online purchase. After dealing with the seller for a couple of days, it became apparent that the offer was a scam. I requested a refund from the seller through Messenger, phone calls, and text messages. I continued to contact them over the next couple of days, over the weekend, without the refund being sent.I gave them a deadline to refund the deposit which they did not abide. 

On Monday XX/XX/year>, I went to my local branch location of XXXX and explained the situation and gave them the details. They provided me with a case number XXXX. They sent the information to their Fraud Division. The branch manager said I would be called by someone from that department. 
Then I went to the local county Law Enforcement Center and gave a statement to a deputy. She gave me a case number of XXXX and said an investigator would call me. 
I received a letter from Truist within two days which basically stated they could not help me, that it was a XXXX issue. From XXXX, they say it is a bank issue. 

With me providing the account name and telephone number, I do not see why XXXX can't contact the receiver and issue me a refund. So far, I have nothing from either company that says they are interested in helping me resolve the issue. 
I filed a FTC report.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO THIS XXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit card

AMEX will not release my membership points despite having earned the membership reward points 1 ) Through the advertised promotion 2 ) Through *other* card accounts held at AMEX despite other accounts having nothing to do with whatever random fraudulent checks AMEX has decide to impose on cardmembers.
Product: Debt collection

XXXX XXXX XXXX is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.
Product: Prepaid card

I have XXXX American Express Gift Cards from XXXX XXXX, my employer ( XXXX for {$230.00} and XXXX for {$250.00} ) that I can not get to work at online or instore retailers. I got XXXX purchase at XXXX ( for about {$13.00} ) to work and that was XXXX XXXX  ago. Since then, everywhere I go online ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ), the card gets rejected. I think it's because it has to be entered like a credit card and I can't link my billing address/zip to it. When I go to " manage and activate your card '' online with AMEX, there is no way to link an address to your gift card which seems could be an easy solution for AMEX. So then I tried adding both cards to my XXXX wallet so I can use it instore at my XXXX, but every time I try to load it, I get a notice from XXXX to contact the issuer. This has been happening for weeks with XXXX of the cards and for over XXXX XXXX with the other. When I print the card and take it into a brick and mortar store ( XXXX, for example ), the payments are always declined. It's kind of embarrassing and so frustrating... it seems like an obvious scam by AMEX. When I look up solutions on XXXX, etc., there are countless reports of this issue and everyone of them say that the solutions provided by AMEX customer service go absolutely nowhere. I really prefer to skip that frustration, especially since this seems like a well known and well documented issue by American Express and they just refuse to acknowledge it.
Product: Credit card

This is regards your dispute case XXXX we its Apple Card under Goldman Sachs XXXX XXXX from XX/XX/year>, {$350.00}, XX/XX/XXXX {$350.00}, XXXX XX/XX/XXXX for {$350.00}. I was informed that the investigation concluded the transaction was authorized. However, I must respectfully request further clarification and supporting documentation to substantiate this decision. 
The facts of this case are as follows : 1. The merchant enrolled me in a recurring membership model without my explicit consent.

2. No services were rendered under this membership, as I did not attend any therapy sessions tied to these charges.

3. To my knowledge, there is no signed agreement or valid authorization supporting these charges. 

I have not been provided any substantial evidence or documentation that supports Apple Card denial of my claim to have the funds reversed back onto my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may Concern, Chase Credit Card services has failed to address the error reporting to my credit report. I have forwarded detail information to them that gives them ample reason to remove all derogatory information reporting to my credit profile. 

Furthermore Chase is violating the FCRA ( fair credit reporting act ). The late payment they are reporting is not derived by way of a purchase but is the cause of an internal annual fee. 

Please see the attached letters i have written to chase for your consideration in resolving my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : 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 Balance : {$530.00}, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the Credit Bureaus ' legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the Credit Bureaus ' investigation and the actions the Credit Bureaus have taken to rectify this situation.
Product: Student loan

My ( XXXX ) Parent Plus loans are being serviced by XXXX XXXX. 

They are requiring me to make payments, however, my student is still enrolled full time in college. 

I have received email verification from her university ( XXXX XXXX XXXX  ) on XX/XX/2023 that her student loans are not due until 6 months after her graduation date. 

My student will graduate in XXXX of 2023. 

I have late payments from XXXX XXXX- for a loan I shouldn't be required to pay on. 

I have emailed XXXX XXXX requesting assistance ( via their online platform ) on or around XX/XX/2023. I have received no response. 

I have called numerous times ( last time today ) and not able to connect with a representative - after leaving my number for a call back, have not received a call back. 

I am requesting that my loans show as " not due '' until after the 6 month deferment date, and that late payments are removed from my account.
Product: Debt collection

Credit Bureau of Louisiana added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before the collections were reported. Credit Bureau of Louisiana put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I reported this to the XXXX and Credit Bureau of Louisiana responded that they allegedly sent a letter to an obscure address and because it did not come back, they can assume I received it. It was not sent by certified mail, which would give them actual grounds to say I received such a letter.
Product: Credit card

XX/XX/XXXX, I had unknown and unauthorize charges on my account. The company " TD Bank '' removed XXXX charge for the lesser amount of {$11.00}, the XXXX charge for higher amount of {$100.00}, TD Bank refused to remove. TD Bank close the card that was compromised and issued me new cards. The XXXX charged happen on the compromised card, TD Bank transferred the {$100.00} charge to the new card. TD Bank stated to me, the XXXX charge can not be disputed because is it XXXX 's policy : since I had done business ( XXXX prior ) and approved charges with this company " XXXX '', that I was not able to dispute the charge. I contacted XXXX, they keep telling me that they have refunded the amount to the same card. In XX/XX/XXXX I paid the original amount of {$100.00}. XX/XX/XXXX TD Bank refuses to remove the late fees and interest charges in the amount of {$200.00}. I have fully paid this account now. This XXXX account has caused my credit score to drop, it has caused my interest rates on my loans to go up. I have had this account with TD Bank since XXXX, never have I missed a payment, nor have I carried a balance.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in response to the Equifax data breach. As an individual that has been impacted by the neglect of a corporation, I urge the CFPB to guide Equifax in removing the conflict of interests in their proposed solution. 

Equifax should pay for consumers to use another credit protection service other than their own service as a result of their negligence. I am not a current or former customer of Equifax, nor do I wish to use their services. However, I do wish to protect my credit information.
Product: Credit card

My account was close on XX/XX/2024. The reason given was they said I am involved in the sale or distribution of XXXX. That is not me I am XXXX XXXX XXXX XXXX Not Sr. I explained to Citibank over a few emails that it is not me and I have nothing to do with the sale or distribution of any controlled substances. I was told they can close my account for any reason and they are standing by their decision. 

Rewards vouchers were issued in XXXX, a month before they closed my account. Now that they are paperless I did not receive XXXX in the mail so I asked Citi for access to my voucher which is owed. I was told no and it is forfeit because they closed my account. This voucher is for roughly {$680.00} and I am denied it because of negligence on their part by not verifying they had the right person. My credit score also dropped XXXX points because of this.
Product: Debt collection

Kingston Data And Credit is claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Vehicle loan or lease

In XXXX of this year I received a call from XXXX XXXX XXXX regarding my car payment, I was behind and I explained to the rep XXXX that I had been in a abusive  relationship and I had been trying to get away from the person but my life was threaten repeatedly and I also suffered some financial loss due to being repeatedly injured, I told him that I can send him copies of the police report and the criminal order of protection. XXXX told me to make a payment by XX/XX/XXXX and he would get with the committee to get a hardship waiver for a few months so that I can be current on my payments and have a little time to get myself together. I had been making payments and then in XXXX my great-great auntie told me that a police officer came to her house looking for me. I contacted the officer and I was informed that my car was supposed to be seized for sheriff sale. I was so shocked, how could this be? So I went to file chapter XXXX bankruptcy and can't afford an attorney to represent me, I heartbroken because they let me make payment after payment and then decide to repo my vehicle, no one ever notified me that my vehicle was up for repossession. I have never had a problem out of a financial company like this. In XXXX I felt like I was lied to because the rep wanted me to believe he felt sorry for the abuse issue I had. If I would have known my car was in jeopardy of repoed I would have slept in my car until things were taken care of. I had to move twice in one month because he located me and threatened my life and I was afraid. I just think whitney bank business ethics are horrible and they are putting me through so much stress its bad enough I have to fear for my life. I have never had issues with making any of my car payments until I went through the unfortunate situation this past year and a half
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being used by someone else.
Product: Debt collection

I refuse to pay the debt to National Credit System which is located on XXXX XXXX XXXX XXXXXXXX and their account number is XXXX and I have every right due to law 15usc1692cc and I would like to cease all communication with them. Their phone number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting that all accounts associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were compromised as part of the data breach, and I kindly request their immediate removal from my credit file. Please confirm in writing once the accounts have been deleted and provide me with an updated copy of my credit report.
Product: Checking or savings account

I am writing a complaint against navy federal credit union regarding multiple over draft fees I have incurred! Despite having sufficient funds when the transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request and investigation into my account transactions!
Product: Checking or savings account

XXXX XXXX I deposited my IRS tax refund check at the ATM in XXXX. The check was for XXXX XXXX  the problem is that I cant access my funds which is impacting my bills I understand that there is a time frame for these things but I dont understand why my account is restricted when I didnt do anything wrong. When I called about the issue the lady stated 30 business days to verify my check when I dont have that type of time is there anything to do to speed up this process. please help just want access to my funds.
Product: Debt collection

Experian failed to remove a debt from XXXX XXXX XXXX  when they were provided documentation as a result of the company was falsely reporting a debt that I di n't owe to this company. the were given enough information to remove the debt but they told me they had to hear back from XXXX XXXX XXXX first and it can take up to 30 days and it only took 24 hours and they verified wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.