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

On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Discover credit card company.

Then onXX/XX/2019 Discover sent me a letter stating that they received communication from me or my agent indicating that I would no longer be able to meet the financial obligations on the account. And as result Discover has closed the Discover credit card account.

Since XX/XX/2019 to XX/XX/2019 ; I have called the Discover customer service telephone line several different times asking Discover to correct the mistake of closing the account and to re-open the account, but Discover has repeatedly told me the account can not be reopened and that Discover has the right to close the account at anytime according to the terms and conditions.

On XX/XX/2019 I called the Discover general inquire telephone line and spoke with XXXX, Agent XXXX in the Ohio office. She stated that Discover received correspondence from either me, my agent, or my

Power of Attorney stating that I would no longer be able to meet the financial obligations on the account, and to closed the Discover credit card. She explained that Discover 's terms and conditions states that Discover has the right to pull the credit from the account if it is determined to be in Discover 's best business practice. She provided me with an address to correspond to about the account at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. She further stated that once the accoun
t is closed that the account could not be reopened at this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my credit information as reported in my recent credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which outlines civil liability for negligence, it has come to my attention that there has been a failure to comply with the required standards regarding the accuracy and completeness of my credit information. 

The issues in question are as follows : With XXXX XX/XX/XXXX sending me to charge off. I've dispute this over 5X and still keep getting denied. I believe that this situation constitutes negligence under the provisions of FCRA Section 1681o, which holds credit reporting agencies responsible for their failure to adhere to the necessary standards of care in maintaining accurate credit information. This negligence has directly impacted my credit score and overall financial standing. 

Accordingly, I request that you take the following actions immediately : Correct the inaccuracies in my credit report. 
Provide documentation of the corrections made. 
Ensure compliance with the FCRA by implementing improved procedures to avoid such errors in the future. 
Failure to address this issue in a timely and satisfactory manner may result in further legal actions to hold your agency accountable for any damages incurred due to your negligence. 

Please respond to this dispute within 30 days, as required by the FCRA. I expect a full resolution and will not hesitate to take the necessary steps to protect my rights if this matter is not rectified promptly. 

Thank you for your attention to this important matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I came to notice about the inaccuracy after I the consumer was denied the right to extend credit. on XX/XX/2023. I reached out to experian, XXXX and XXXX. To inform stated financial institutions. as defined in 15 usc 6827 ( 4 ) ( a ). they are financial institutions as these stated consumer reporting agengies have relationships with financial institutions by being service providers. under title 15 chapter 94 subchapter 2 congress states it is a violation to obtain or attempt to obtain, or cause to be disclosed to any person, customer infomation of a financial institution relating to another person. not only is the stated reports listed in the affidavit that i have in the attachments section of this complaint not owed. experian, XXXX and XXXX has violated my consumer rights by not informing me of my rights to opt out. Nor did i consent to any of the following transactions or reports listed in the affidavit in the attachments sections of this complaint. this is an infrigment upon my rights. I the consumer was never contacted to ensure accuracy. Therefore no intial investigation was conduted immediately to determine if the reported infomation was accurate. 15 usc 1681 ( a ) ( 4 ) states " There is a need to ensure fairness, impartiallity, and respect for my right to privacy.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/XXXX
Product: Credit card

In XX/XX/2017, I discovered fraudulent activity on my Best Buy branded Visa credit card. I immediately called the issuing company, filed a fraud complaint which went smoothly, the account closed, investigation opened and a new card issued. On XX/XX/2017 I received a letter that reads " We are writing to inform you that we completed the investigation on your " My Best Buy Visa Platinum account. As a result, we removed the disputed charges and any related fees and interest charges from your account. '' I have since started receiving calls from Citi card services which is the issuing bank for the card. The system is an automated dialer that will leave a pre recorded voice message, but when I answer the call, the system disconnects with no messages. I called the customer service number on the back of the card, and the system tells me I have an outstanding balance that is past due. Upon further investigation, it is a balance transfer that would be equivalent to charges associated with the fraudulent activity that was reported and supposedly resolved. I have made multiple attempts to contact the company directly via telephone. Every time I call, it is a hassle to get through the automated system to attempt to speak to a real person. When I finally get to a point where I can speak to a person, I get a recording saying the office is closed, which proceeds to list business hours that I am calling during.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documentation to XXXX, TransUnion, and XXXX that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute the following accounts with reporting agencies and creditor several times without success: The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts: 1. XXXX XXXX XXXX XXXX: $XXXX Status: Charge Off, Date Opened: XXXX - 2. XXXX XXXX XXXXXXXX XXXX XXXX: $XXXX 3. XXXX XXXX XXXX XXXX XXXX  : $XXXX Status: Charge-Off, Date Opened: XXXX4. XXXX/XXXX | XXXX : Balance: $XXXX Status: ChargeOff, Date Opened: XXXX5. XXXX XXXX | XXXX  Balance: $XXXX Status: Charge-Off, Date Opened: XXXX6. XXXX XXXX/XXXX | XXXX Balance: $XXXXNon of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act (FDCPA). The dispute service online on Equifax  has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.
Product: Credit card or prepaid card

There were fraudulent charges posted to my credit card account. These were reported and disputed with the credit card company. Also a complaint was submitted with the Consumer Financial Protection Bureau. ( See complaint CFPB # XXXX XXXX. The dispute was found in the cardholders favor and the credit card company provided a credit for the fraudulent charges. We also were charged interest each month between the posting date ( s ) to current for these fraudulent charges as indicated below : Statement Date Interest Charge Amount Total Interest Charged To Date XX/XX/2020 {$18.00} {$18.00} XX/XX/2020 {$74.00} {$92.00} XX/XX/2020 {$93.00} {$180.00} XX/XX/2020 {$34.00} {$220.00} XX/XX/2020 {$32.00} {$250.00} XX/XX/2020 {$35.00} {$280.00} XX/XX/2020 {$35.00} {$320.00} XX/XX/2020 {$44.00} {$360.00} XX/XX/2020 {$42.00} {$410.00} To date the total amount of interest accrued because of these fraudulent charges = {$410.00}. 

We have on a number of occasions requested that all interest/fees associated with the fraudulent charges be credited to our account as outlined in the " Credit Card Agreement '' and our rights under the " Visa Zero Liability '' policy. ( See supporting documentation attached ) TD Card Services has failed to fulfill it's obligations under these rules. We demand and seek a complete refund/credit to our credit card account in the amount of all interest charges to date totaling {$410.00}
Product: Checking or savings account

I received a phone call from someone claiming to be a wells fargo representative, there phone number was masked and it said Wells Fargo XXXX. They proceeded to inform me that there had been activity that had been flagged as fraud on my account. They then asked me to reversed the wire fraud with them by sharing my screen, I proceeded to do so, they then said they verified my identify and moved forward with reverting the fraud. Later I learned that they were actually completing the wire transfers and were fraud. The amounts were {$8400.00} and {$8600.00}. This happened on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. 

I called Wells Fargo at XXXX XXXX  on XX/XX/XXXX, they were able to reverse the wire for XXXX but not for {$8600.00}, they said this one could not be reversed.
Product: Credit card or prepaid card

This complaint is about XXXX government benefits card, issued by Comerica bank. I had such a card in XX/XX/XXXX, and I stopped using it for my XXXX XXXX XXXX direct deposit, as I switched to XXXX XXXX. In XX/XX/XXXX I closed my XXXX XXXX account, and contacted XXXX to start again. My previous XXXX   account had a balance of XXXX cents, so rather that re-sign me up, they issued a new card. The representative told me they could ship it for free, or charge me {$13.00} for expedited shipping. Since I had already called Social Security and I knew my XX/XX/XXXX XXXX  payment was going to be by mail, and paper check, I told her No, I do not need or want expedited shipping. She sent it that way anyway, and my XXXX  balance is now -XXXX ( negative, which is the {$13.00} fee minus the XXXX  cents that wase in the account. ). I have called Social Security, The U.S. Treasury, XXXX   at least 8 times. XXXX submitted a claim, but eventually told me they saw no evidence that I did not ask for expedited shipping. I recorded the call, and have offered that recording to every agency I contacted, and I get NO response. I even went to a local branch of Comerica Bank, on XXXX XXXX in XXXX XXXX, and they advised me to close the card. BUT I AM NOT allowed to close the card, since it has a negative balance!!! I WANT MY {$13.00} back!!! I want someone to listen to this phone call, and hear me explicitly decline expedited shipping!!! I even explained to the representative that there was no point, since I was expecting a paper check in XX/XX/XXXX!!! Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i purchased a vehicle through XXXX XXXX XXXX company. When going over the financing application i spoke to a representative from XXXX they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. XXXX XXXX XXXX targets committees of XXXX lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This XXXX organization needs to be held accountable for their lies and deception
Product: Money transfer, virtual currency, or money service

I paid someone for a service that I didn't receive. I contacted them for a refund and was told no and then they changed all of their info. I then contacted Cashapp to see about getting this disputed. I was told that I was not able to dispute any transactions and that I should be careful who I send money to.
Product: Mortgage

On XXXX/XXXX/2016 Nationstar illegally withdrew from my checking account two mortgage payments illegally from my checking account. I had only authorized for one payment yet they took two payments which made my checking account go into a negative balance. Luckily my bank notified me in the same day which was very frustrating to resolve. In the interim i had contacted Nationstar to advise them of the problem and advising them of their illegal attempt to take more money from my account than authorized. After i had notified Nationstar their response was to freeze my checking account which does not allow me to make a payment for this month and forcing me to go further into default. The fact that i am not able to make my payment on line shows the ill will the lender has against me that is a minority. I am appalled and shocked that an error that was discovered to be " their '' fault has penalized me from making a payment for this month. In this connection, i was also charged a NSF fee and other fees on my loan that i think is unfair. I have also written to this lender asking them to provide me a breakdown of the XXXX 2016 mortgage payment to which they have refused to respond. I am asking that you please look into this incident as i think their treatment is very unfair. In closure, please not that this is also forcing me to pay additional fees as i am not able to use the online service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my accounts : ( 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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX  DEPT OF EDUCATION XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX .... Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in those account 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.

CB INDIGO/CCI Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX, equifax and XXXX refused to update my credit profile and send me a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX filed a dispute with Equifax in regards to a fraudulent account attempted too be opened in my name I received Mail from XXXX XXXX saying they deleted account and reported it fraudulent too all credit bureaus so I need answers as too how Equifax Validated my disputes because they keep reporting incorrect information and account on my report FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above listed are Inquiries That I have disputed with Equifax and they refuse too remove even though companies has sent me letters stating it should be removed and too contact Equifax for account update
Product: Mortgage

Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, our organization, XXXX XXXX XXXX XXXX, sent a wire transfer from our XXXX account to a US Bank account to pay XXXX XXXX for a vacation package to XXXX. The amount was {$16000.00}. The account was fake, set up by a scammer to intercept our payment. The scammer opened an account at US Bank under the name of XXXX XXXX, XXXX of the biggest XXXX XXXX XXXX XXXX  in the US, to facilitate the transfer. US Bank did XXXX due diligence to verify that the person attempting to open the account was authorized to do so, and accepted an XXXX that didn't match the business. 

When the fraud was discovered in early XXXX, XXXX issued a recall against the wire transfer, but US Bank has refused, despite the fact that it was their gross negligence that facilitated this crime. Had they done even the minimum verification, such a a simple phone call to XXXX, the attempted fraud would have been discovered and thwarted, and the perpetrator likely apprehended. 

Instead, they have ceased all communication and refuse to make restitution or even discuss it, leaving a legitimate business and our small recreation club out a substantial amount of money.
Product: Credit reporting or other personal consumer reports

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXXam demanding the deletion of the accounts listed Immediately.
Product: Debt collection

I had sent a verification request to this company and to date they have yet to respond. In the dispute letter I listed the items I need in order for me to verify it. See attached. West Lake claims that I owe them a debt and that they have suffered a loss from when I " purchased '' the vehicle however when I requested The Book Entry Securities ( also referred as uncertificated securities or paperless securities ) and the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss they never responded. This is false and deceptive collection practices. Additionally, they reported an additional account on my transunion consumer report and that account has the same account number, balance and collection status except that it is being reported as a mortgage clearly showing that they are willing to violate the Fair Credit Reporting Act as well. See attached exhibits. If this agency continue violating the procedures and requirements of both Fair Debt Collection Practices Act and Fair Credit Reporting Act, I will seek legal action as they are falsely sharing information on my consumer report thus defaming my character.
Product: Debt collection

I PAID BILL CREDIT CARD THRU XXXX.THEIR COLLECTION. XXXX ARE LAZY IGNORANT, ENTITLED GROUP TO WHERETHEY JUST LIKE ( XXXX ... ALSO LAZY AND IGNORANT )... to they ignore XXXX XXXX.