23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My American Express Business Gift Card I received from work doesn't work. All transactions I try show up as card being not able to use/declined. 

Gift Card website amexgiftcard.com indicates my full balance. ( {$150.00} ) I try to purchase lower value items and still gift card never works on any purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX, I have submitted multiple disputes to all three credit bureaus in regards to incorrect information being reported on my credit report. XXXX, Experian, and XXXX continue to violate my rights under the FCRA. The following accounts contain erroneous, unfair information that is damaging my credit. 

XXXX : Account type is incorrect across all XXXX bureaus, Date opened is different across all bureaus, Last reported date is different across all three bureaus, Last reported date is different across all bureaus, etc. ( copy of credit report with errors circled enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX : Dates, account number, high credit, and payment history is incorrect/inaccurate. ( copy of credit report showing inaccuracies enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX : Inaccurate information being reported across all three bureaus. ( copy of credit report showing incorrect information enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX XXXX Dismissed : Courts do not report nor verify information to credit bureaus. This information was obtained and sold to the credit bureaus without my consent and is a violation of both 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent. 

Furthermore the XXXX was dismissed without adjudication and in the eyes of the law, anything that has been dismissed is no longer valid or deemed to exist and therefore should not be on my credit report. This is a direct violation of the FCRA. The negative erroneous information being reported is effecting my ability to acquire housing and employment. The credit bureaus have refused on multiple occasions to remove this incorrect information claiming to have verified the accounts. how are these accounts being verified when all of the information is inaccurate. According to the FCRA, I have the right to a 100 % accurate and fair credit report. 
As I have included a copy of my credit report with inaccuracies already circled, I demand that these items be deleted immediately or I will be seeking litigation against Experian, XXXX, and XXXX for violating the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

I was seeking XXXX of my free credit reports and so I went to the FTC website at XXXX I followed the recommended link to XXXX I filled everything out and selected TransUnion. I filled more forms out for them, eventually it came time to access my credit report and they required me to fill out a card number form. I thought this was part of the process of getting my free credit report. Nowhere did it say they were going to charge me {$1.00} or sign me up for any services, there was no agreement or information regarding this. I gave them my card number to access my credit score and received an email about a charge that they had made for {$1.00}, which I did not authorize. I contacted my bank and they said that I would be charged again as part of a service if I did not cancel. This was news to me. I immediately canceled. I called TransUnion to get a refund, but they asked me for my social security number and my credit card number. I can not trust this company and do not want to interact with them regarding personal information. I simply want them to refund my money, I provided them an order number which should be enough. I am disappointed that a .gov website sent me to a finance company that is capable of such a fraudulent scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX ( same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX, Equifax, and XXXX credit reports. One pull was authorized the second pull was not authorized.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXA never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Kohls Dept store reported my XX/XX/2022 was not paid. I had all my previous payments paid by automatic payment agreement. Kohls failed to withdraw the payment as agreed upon. 

MY payments for over 14 years have never been late because I setup automatic payments with this creditor. They failed and my XXXX score dropped over 70 points and affected my ability to purchase a new car. I have contacted all 3 credit agencies and Kohls refuses to delete their mistake
Product: Checking or savings account

I had a check stolen in the mail and someone rewrote the check for {$1300.00}. They took it to XXXX XXXX  and cashed it and of course fifth third bank ( my bank ) removed XXXX from my account. This happened on XXXX XXXX, XXXX. It shouldn't take 3 months or longer to correct this and return the funds to me. XXXX XXXX  is dragging their feet on the investigation. I have filed a police report, a US postal report and domestic collections report at fifth third bank. The check was fraudulently cashed at XXXX XXXX and it's not my fault and I feel that I should be reimbursed immediately. Fifth third bank is telling me it could take 180 days and this is a ridiculous amount of time to withhold my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sumitted a error on my report to experian telling them I never received my credit cards in my XXXX XXXX where they said they had sent them. XXXX XXXX of Delaware agreed to Delete XXXX XXXX of Delaware from my credit reports the only credit Bureau to delete so far is  XXXX, need this deleted from experian today
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting via:1970 fair reporting act.
Product: Debt collection

TransUnion received my dispute letter on XX/XX/year>, with a XXXX deadline to respond by XX/XX/year>. They failed to provide a response within this legally mandated timeframe. My dispute requested verification of late payments, removal of unauthorized inquiries, correction of inaccurate charge-offs, and removal of unvalidated collection accounts. Despite certified mail and documentation showing my correct address, TransUnion sent responses to an address I have never lived at, putting my personal information at risk and violating my rights under the FCRA. 

In their response to my CFPB complaint on XX/XX/year>, TransUnion claimed to have mailed investigation results. However, these were not received at my correct address. Instead, my sensitive personal information was sent to an unauthorized address where I have never resided. This action violates FCRA obligations to safeguard personal data and puts me at heightened risk of identity theft. Furthermore, XXXX response failed to provide any of the requested documentation or confirmations outlined in my dispute.
Product: Mortgage

> 2 step process is constantly going back into enable mode no matter how many times a day I delete it! The system does not listen to me! 
> I was told to have my account removed to fix the problem, so they said it was removed it but it is still there! My account even shows 2 different passwords! 
> My XXXX has the confirmation of payment, which is her RENT, sent to her email and I need it sent to my email! She can not access my email to get a XXXX XXXX XXXX and I can not access her email to get verification of payment and it takes XXXX  days for it to show on the system which causes me much stress as she is always waiting to the last day to pay her rent! 
> No matter what complaint I have with the problems with my daughter making the mortgage payment, all they say is " we're sorry you are having trouble ''. Problem isn't solved! 
I've had nothing but problems dealing with SLS ever since the beginning and want SLS to sell my mortgage to a physically accessed location in town! ASAP!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, my personal information has been compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted : Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$6900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against ChexSystems , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Issue : ChexSystems is reporting an account from XXXX  XXXX XXXX XXXX in my consumer file that is false, inaccurate, and unverifiable. Specifically, they are reporting a Non-Sufficient Funds ( NSF ) charge-off in the amount of {$1500.00} tied to an account I have never opened, owned, or authorized. 

ChexSystems completed what they called a " reinvestigation '' of my dispute in 5 days, which is not only unreasonably short but also failed to meet the FCRAs requirement of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). They simply regurgitated the information from XXXX  XXXX XXXX XXXX without independent verification. 

Additionally, ChexSystems is reporting incorrect personal information, including a wrong address and a misspelled version of my legal name. My correct name is XXXX XXXX XXXX XXXX, and my only address is XXXX XXXX XXXX, XXXX, MI XXXX. 

Despite my dispute and demand for correction, ChexSystems refuses to remove or correct this false entry, placing me at risk of financial harm and reputational damage. 


FCRA Violations : Failure to conduct a reasonable reinvestigation ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) Willful negligence by relying solely on the furnishers response ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) Continued reporting of inaccurate and unverifiable information ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) )
Product: Student loan

MOHELA is my loan servicer. I have tried to apply for an IDR plan since XX/XX/XXXX. I was finally put in a processing forbearance with 0 % interest accrual on XX/XX/XXXX. I received an email yesterday XX/XX/XXXX that said interest continues to accrue during forbearance. I checked my MOHELA account and Federal Student Aid account and they went from having a balance of {$72000.00} to {$72000.00} within days or less. I have gotten nothing but confusing and contradicting information or blatant lies from MOHELA since they became my servicer. Their incompetence is hurting people across the country. I have seen a multitude of complaints similar to my situation, so they must have messed something up and put people 's accounts to accrue interest when there should be 0 % interest in this forbearance due to a court injunction. I have taken screenshots of my account since being put into the processing forbearance to ensure no interest is accruing.
Product: Credit card

I recently signed up for the Avant XXXX XXXX. Shortly after I got the card activated I used it just days later on XX/XX/XXXX. I charged a total of just over XXXX dollars on the card. Days after that I went to the credit card website to make a payment only to find that the website was down. So I checked the website again the next day and it was still down. The next day or so after that the website was still down, so I called the number on the back of the card to talk to a rep. They said the system was down so I could not make a payment on the phone, so was told to try downloading the app and make a payment on the app. I could not get the app to work to where I could make a payment. Then I called the phone number again only to be told the system is still down and I now can't make a payment on the app, website, and/or by phone. So no feasible way for me to make a payment over any outlet. Customer support was terrible too and would just put me on hold and ultimately not do anything. I called them 3 times today to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to consumer reporting agencies ( XXXX, EXPERIAN, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter asking them to verify how they are reporting things on my report. They keep sending letters stating that they verified them and they are accurate. I want something in writing about where they got this information and who that meaning name of person that verified this. By law Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.
Product: Checking or savings account

I already filed a complaint against BOA. I called your office to ask if I myself placed a deposit only restriction on my checking account, it is the banks discretion to continue to withdraw money from my account? BOA perged my debit card claiming fraudulent balance inquiries at a non BOA ATM. When I told XXXX, a supervisor in the fraud department I did not do that, she cancelled my card. Which left me no option to access my money over the holiday weekend. I called and was told a new card would be mailed and arrive 3 to 6 business days. I was also told I could access my money using my virtual wallet. BOA decided without advising me to change my pin. However, no pin was mailed to me, once again not allowing me access. I have been writing to BOA, but they do not respond. They did respond in another way. Without advising me, they closed my credit card. XXXX limit, I've been a credit card holder for over XXXX years, and I feel this was done in retaliation to my over 100 phone calls yo customer service. I can tell you this, BOA 'S procedures are if a payment comes in and it is returned for insufficient funds, BOA will retry those payments 3 more times, WITHOUT THE MERCHANTS AWARENESS. They jeep telling me it's the merchant, it is not. It's can not be if I went ahead and paid the bill using another means. Why would merchant retry when they were paid? Just recently a different merchant who has tried to collect XXXX from my checking, ( which has been held up by all the retry payments ) leaving my checking in the negative. That the XXXX return check fee was XXXX, not them? XXXX diesnt charge a return check fee. An employee at BOA bill pay told me the truth is : its built into BOA 'S bill pay computer system to automatically retry 3 times whether the merchant requests it or not. It can not be stopped. One creditor of mine has absolutely no record of an attempted payments nor retries. That scares me. In the mail comes 2 debit cards, same card # only different security code. Then a third comes in with a totally different card number. BOA prides themselves on the world class service they provide in aiding in fraud. They will be responsible for the total amount if found to be fraud. They flag any check over XXXX, which causes me to be late, and creates this mess. Was I punished for complaining? I kniw the bank can clise an account, but being put in this situation solely because of the bank, they took my only other means of purchasing food. I can not use the assistance programs, I do not qualify. Thank you One more thing. I lifted the restriction on my checking account. When the bank took XXXX from my checking for a return check fee, ( BOA ), while the restriction was in place it took 3 days to come back to me. When it came back, I transferred the XXXX XX/XX/24 from checking to my credit card for an early payment. BOA chose to return the payment for " insufficient funds ''. XX/XX/24. That's not harassment? There was no reason for that. XX/XX/24 I made the payment again, this time it goes through and BOA closes my card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX, nc, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute on Credit Report under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Dear TransUnion, In accordance with The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to notify you of discrepancies on my credit report dated XX/XX/XXXX : XXXX. **Date of Birth** : My correct date of birth is XX/XX/XXXX, while the report lists XX/XX/XXXX. 

To resolve this dispute, I would like to refer you to this [ In accordance with The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to notify you of discrepancies on my credit report dated XX/XX/XXXX : ]. 

Please investigate and correct the aforementioned inaccuracies as mandated by the FCRA. I anticipate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft I filed a police report I submitted the police report to the credit bureaus and the credit information is still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint due to the fact that I've yet to get a response to my first complaint and it's yet to be resolved in a timely manner! Please see items attached.