23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

On XX/XX/2022 I received a notice on my XXXX XXXX that Discover had made an inquiry into my credit history. On XX/XX/2022 I received a Discover credit card in the mail. I did NOT apply for this card. 

I contacted Discover on XX/XX/2022. They canceled the account and informed me they would begin an investigation. 

They asked me if I recognized an address in Ohio, which I did not.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, you sent me the results of your investigation and stated that my accounts are complete and accurate. 

I reviewed my report and noticed that everything remains the same, despite my dispute. 

According to 15 USC 1681i ( 5 ), you are required to : Promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during the reinvestigation process.

Notify the furnisher of the information that it has been modified or deleted. 
Additionally, under 15 USC 1681e ( b ), you are obligated to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, 15 USC 1681s-2 states that : A furnisher shall not report information if they know or have reasonable cause to believe it is inaccurate.

If a consumer has notified the furnisher that certain information is inaccurate, and it is in fact inaccurate, the furnisher must not report it. 
The following account contains inaccurate information : XXXX XXXX  XXXX Potentially Negative Months Credit Usage : XXXX  % Balance : {$460.00} Balance Updated : XX/XX/XXXX Credit Limit : {$500.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Experian did not conduct a real reinvestigation and falsely claimed that the information was verified. I have evidence proving that my dispute was not handled properly. 

I demand that this information be corrected or deleted immediately, as required by law. Please provide me with a detailed response regarding the actions taken.
Product: Debt collection

I received a notice from my bank that suspicious activity was detected on my credit report. Upon reviewing the notice, it became apparent that Credence Resource Management ( " XXXX '' ) reported an alleged unpaid balance to XXXX. However, XXXX never contacted me regarding an unpaid balance, which is a violation of the CFPA. Additionally, the debt itself is illegitimate and fraudulent, which I have tried to correct with two prior collections agencies. In both instances, those agencies removed the mark from my credit report because they were unable to prove the validity of the debt.
Product: Credit reporting or other personal consumer reports

I just received an alert from my 3 credit bureaus letting me know a collection agency by the name of XXXX XXXX XXXX is reporting negatively on my XXXX, Equifax, and XXXX XXXX Credit report. When I got access to my 3 bureau credit report, I noticed that they collecting on behalf of XXXX XXXX I immediately called XXXX and spoke to a rep by the name of XXXX, XXXX ID XXXX XXXX. I informed XXXX that I've never had any account with their company. He asked for my first and last name and social security number. I gave him my personal information and he was able to confirm that this account was a cancelled account and I owe no money to them. I then informed him that a collection agency by the name of XXXX XXXX XXXX is negatively reporting on my 3 bureau credit report that I owe them money and that they are collecting on behalf of XXXX XXXX The rep told me to reach out to this collection agency immediately because they are reporting a false account on my credit report which I owe nothing and ask them to remove this account immediately. 
When I called XXXX XXXX XXXX, prior to speaking to anyone, their system asks you to input your social security number in their system so that they can pull up any account associated with my social security number. When I inputted my full social security number, their system confirmed I do not have any account with their company. But I still wanted to speak to one of their agents because its reporting on my XXXX, Equifax and XXXX XXXX Credit Report. 
The agent 's name I spoke to is XXXX, Employee Number : XXXX. He is a supervisor with XXXX XXXX XXXX. He asked for my last XXXX of my social security number. I gave it to him and he immediately said he is collecting on behalf of XXXX XXXX So I asked if I could give him my full social security number instead of my last XXXX of my social security number. He refused to accept my full social security number. So I asked him if we could get XXXX on the phone so that they can tell him that I never had a XXXX  account and I owe XXXX no money. He refused to call them but instead he said he wanted to file a fraud case instead. So I asked XXXX what fraud was committed besides his company illegally representing XXXX as their client which their claiming to attempt to collect on behalf of because I owe XXXX no money at all . He responded with, " This is our process ''. 
Below is the account information of this fraudulent collection agency grossly overstepping their authority by falsely representing XXXX as their client which their collecting on behalf of : XXXX XXXX XXXX - XXXX they claim I owe : {$1200.00}
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breach. These accounts and inquiries are fraudulent. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile XXXX times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Product: Debt collection

This number called me and when I returned the call, the male who answered the phone did n't state his name or the company he was calling about. The company actually left a message about them being a student loan forgiveness company and I called back to take my number off that list. Weird. He just said hello like it was his personal cell phone, then start asking for my social and birthdate, rightly so I would n't give it. I told him that 's not how you call about a debt. You have to give the statement about this is an attempt to collect a debt, he told me he does n't have to say that. I told him I was giving out my info over the phone and to send me verification of the debt. He told me, he does n't have to do that and hung up. I called back and then got XXXX, who finally told me this was Pheonix Financial and I informed her, you would writing up this report. She put me on hold for some other lady, who got upset with me for asking her to hold on for a minute, she told me she has other calls to take care of right now. Then after that hold for approximately 2 minutes and some seconds. I asked her to hold please, she had no minutes for me. Told me if was a business and I was holding her up, then hung up on me. I then called back a third time and told my name to XXXX, that I would recording the call myself this time. I gave my name and said I would like the verification of debt within 30 days in writing to the address they have on file. She told hold on, they like to put you on hold but not hold for a minute for you, transferred me to XXXX again, who said I would get the bill in writing finally and I wanted to her to state the company 's name, because through the whole phone call it was n't stated not even once. She then got angry and very upset and said before she hung up on me, she did n't give me permission to record the call. This was 19 minutes of my day. When called another company about another debt, the same day, it took me all of 5 minutes, no hang ups, no angry, and they did n't need me to tell them any info, they just verified it was me and they are sending something in writing.
Product: Credit card

I was approved for a card and my first card was supposedly mailed on XX/XX/year> and after my card never arrived in the mail i called them on two occasions and on the first occasion they said it takes 7 to 10 days to receive the card but after waiting and waiting on the 2nd occasion they claimed it takes up to 15 days. I never received the card and emailed them to tell them that i never received it so supposedly they mailed me a 2nd card on XX/XX/year>. It is now XX/XX/XXXX and no card is coming so i called and closed the account. 15 days is beyond a reasonable time to wait for a card and my instincts tell me they are doing this to many customers to make their numbers look good. It's a scam. I called them and had them close my account as i don't want to deal with scammers or companies that are not on the up and up. They have no tracking numbers or way to track these cards? What a crock.
Product: Money transfer, virtual currency, or money service

Every time I buy crypto ( and pay a fee to do so ), I go to send it to someone and the transaction fails. Then, I have to go and sell ( pay ANOTHER fee ), and, on top of that, my money is held 5-7 days before it's even made available to me. 

I want to make something super straight here, I don't care what your XXXX & XXXX say, those have been legally struck down in the court of public opinion, and more importantly, in the court room time after time. 

You are advertising a service, and you are charging high fees, and you are not delivering. And you are holding people 's money, time after time. 

The CFPB needs to fully research these unfair, predatory and damaging practices of Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my fourth attempt to resolve this issue with XXXX  and Experian, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent and inaccurate information on my credit report and are in violation of the FCRA. I have tried to dispute this on numerous occasions to no avail.
Product: Debt collection

I have already filed a Police Report for somone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once.I also had a fraud account from Midland Credit Management INC XXXX Midland Funding LLC XXXX never had this account or done any business with this company
Product: Student loan

I received a call in XX/XX/2018 from Western Benefits Group claiming that in order to be part of the income driven repayment program I would have to go through this company. Was informed I'd have to pay a start up fee ( around XXXX dollars ), and then XXXX dollars a month for the life time of the loan to keep the benefits or I'd have to pay the full amount monthly, I was also told I'd have forgiveness through this program after 10 years of on time payments- which was a lie. I was informed recently that it does not cost anything to be in loan forgiveness programs and I was FOOLED into giving this company a start up fee and a monthly fee for 4 YEARS. I'm grateful my loan servicer called me and asked me about this information or they would have robbed me forever. IN ADDITION, when i talk to western benefits group rep, he had NO RECORDS of paying a start up fee, put me on hold to look for the info and came back to tell me he couldn't find it.
Product: Mortgage

Filed a complaint with you on XX/XX/XXXX # XXXX. I received an email from Bank of America That XXXX XXXX Officer ; Resolution Specialist phone number XXXX ext XXXX and IMUST CONTACT HER by XX/XX/XXXX. I have called her five times and left voice messages for her to call me back. As of today she has not called me back. This is typical for Bank of America no body ever calls you back.I am again asking you for your help and getting her to call me back to move the process along which I have come to the realization that they really don't want to do as they want to keep my interest rate high as every month that passes they make more money.Thank you for all your help. XXXX XXXX XXXX XXXX # is XXXX
Product: Credit card or prepaid card

I had an identity theft of over 8K, which left me financially crippled for almost 2 months. I reached out to my creditors and some of them were very helpful and some of them were NOT. Synchrony Bank closed 2 of my accounts, synficantly lowering my credit score. One of which was completely paid in full with a {$4000.00} limit. I ca n't believe they can get away with this. As if my credit had n't taken enough of a hit when I was sent to collection for an enormous debt that was n't even mine!!!
Product: Credit card

Capital one has XXXX accounts that I am a signer on. Cards ending in XXXX and XXXX. Neither of which are reported to XXXX XXXX XXXX XXXX. My wife is a signer on my main capital one account and she has my cc history reporting on her credit reports. Capital one also isnt reviewing me at all for a credit increase Ive been with them for over XXXX years my income was around XXXX per year then and Im now at XXXX per year Im supposed to be reviewed every six months. I have never been reviewed my credit line still stands at XXXX which is the same for the past 12 years. My wife used my credit history to be approved for a capital one venture card which she was approved for. I have a higher credit score than she does and the same credit history but capital one denied me. I am being discriminated against by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

See my previous complaint with you. It was never resolved. 

Equifax needs to fix my name and restore all my credit history that they apparently wiped out! 
New name : XXXX XXXX XXXX Old Name : XXXX XXXX XXXX SAME SS #. Same address. Same everything else! 

I have filed dispute after dispute and uploaded documents. They are still unable or unwilling to fix my credit files with them. 

In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all XXXX bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

I've even posted the problem on Equifax 's social media sites. They admit there's a problem but offer no remedy to fix it. 

I filed this same complaint with you months ago. It was NOT resolved. 

XXXX and XXXX both fixed ( changed ) my name immediately and maintained all my credit and employment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). XXXX and TransUnion credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my fiancee 's drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

To whom this may concern. 

I have opened an account by Wells Fargo, and I am very unhappy. Please see below for the issues that I am having with them : When I applied for a business secured credit card, I was told that it has an automatic system that will upgrade to a unsecured credit card after 6 months, by making a review on my account. I have my secured credit card for almost a year, and I was never upgraded. In the meantime I was approved for a other business credit card. When I was researching how there policy works I found on XXXX XXXX that almost no-one was upgraded from a secured to an unsecured credit card. I know that I have a good score, I was approved for several unsecured credit cards without any issues, and I pay my bills in time, therefore I cant see any reason why I shouldn't get my unsecured credit card by Wells Fargo. The only reason why I didn't get upgraded to an unsecured credit card is because this whole thing is a scam, it doesn't begin to be true. 

My wife by mistake made a purchase by XXXX XXXX XXXX, and I did not give permission, or even know about the purchase. XXXX XXXX XXXX does not have a return policy, so I went and disputed the charge by Wells Fargo, since I know that they are supposedly responsible for any charge that was done without any permission from the card holder, part of their policy is : " I have zero liability protection= that you are not responsible for any unauthorized transaction when you report them promptly ''. After a month of going back and forth with them with no customer service at all, they sent me a letter that it was declined, since the merchant showed that I did not follow the merchant cancellation policy, and I received the tickets. Yes i did receive the tickets, but it was never used since we couldn't even get any use out of those tickets, because it was ordered in error. I called them again and they told me that the only thing they can do is that I need to fill out a letter for declaration of claimant for fraud, but this was a purchase made in error, and it was a miss understanding, so claiming a letter about fraud won't help me because this wasn't a fraudulent charge. 

When I reviewed all the complaints on CFBP I saw that most complaints are on Wells Fargo, and there is a reason for that. They abuse, lie, and fool their customers in a way that all we can do is surrender. I am asking you to please look out, and see how many people are complaining about this bank. You are the only ones that can help us at this point.
Product: Credit card

I reached out to Bank of America to have my card locked to prevent XXXX from charging it. However, the representative provided me with false information when I asked about any pending transactions. This led me to believe that I had no pending transactions, and I didn't take any action to stop XXXX from sending large items that I can't return. As a result, I ended up losing {$2200.00} for items I didn't want. 

Despite contacting Bank of America to resolve the situation, they refused to compensate me. This is unacceptable. I demand that Bank of America take full responsibility for their representative 's mistake and pay me compensation. Additionally, I believe that the representative 's banking license should be revoked due to their sloppy and unprofessional behavior. 

I urge you to investigate this issue further and take appropriate action. I am willing to provide any further information that may be needed.
Product: Credit card

On XX/XX/2023, I received an email from PayPal advertising that " If approved, youll earn a {$150.00} bonus when you spend $ XXXX within 90 days of account opening. '' I clicked the " Apply '' button in the email. I was approved for the credit card on XX/XX/2023. I spent more than {$500.00} dollar within the 90 days opening the account. But so far I haven't received the promised {$150.00} cashback bonus. I called their service department and told them the issue. I also showed them a screenshot of the advertising email they sent me. But their staff told me that they were not aware of such a promotion.