23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Here are the accounts XXXX XX/XX/XXXX # XXXX {$3400.00} I wrote a dispute letter for them to remove it off my credit because it doesnt belongs to me. I asked them for information showing that I signed up with this XXXX account. No response I got in touch with Experian they told me they investigated it and it remains the same every time I try to dispute it off my credit I get the same answer they investigated it stays the same. They asked me Why do I feel like I got ta keep investigating, and I told them because it dont belong to me. Show me that I signed up for this account. Show me my signature show me proof no proof XXXX and XXXX XXXX Account # 5 {$4200.00} I disputed this too. They just told me the same thing they investigated it and care the same with no proof or information.
Product: Checking or savings account

XX/XX/2024 was charged for 3 overdraft fees at {$35.00} each. 
XX/XX/2024 was charged for 3 overdraft fees at {$35.00} each. 
XX/XX/2024 was charged for 1 overdraft fee at {$35.00} each. 
was told by a banker at my branch that they were without a branch manager and would reverse them when a new manger was hired. Was never contacted. When I talked to the banker for the 3rd or 4th time he then told me that he was not able to remove them.
Product: Debt or credit management

I requested XXXX Request to be Applied- Under the By-Laws of State of Louisiana XXXXService Relief Act. 
I requested XX/XX/XXXX and was told I did not provide the correct documentation to show active duty status. 
I resubmitted - and have not received the Service Relief Act -by law under the Louisiana State Specific State Laws . 
The following email was sent as well as all attachments to show my husband is XXXX XXXX and has been XXXX  in the military for XXXX  years. 

By law, all creditors have to follow SCRA-as well state specific SCRA benefits or provide evidence that by doing so would financially hurt your company, and there would be documentation and supportation needed to be provided to Federal Courts- to support.
Product: Credit card or prepaid card

attempting to fax in credit card statement reflecting a fraud charge on my account. 

i faxed in my statement on the following dates : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all sent to the fraud department fax number of : XXXX XXXX XXXX we are at the point to where my bank is telling me i need to fax in my statement yet another time. how am i suppose to feel about faxing it in again if they did not receive it the first 5 times. This is the first time I am ever claiming fraud with my bank and this is the treatment i am receiving.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase Card Services and i requested that my minimum payment for XXXX be {$0.00} due to Covid. I was assured by the representative that my payment due was changed to {$0.00} and not making a payment would not charge me fees and NOT make my account past due. 

I was shocked to learn that this was never done by the representative and i was indeed charged a fee and my account history of never ever missing a payment was blemished with a 'late payment '. 

I contacted a supervisor about this and was informed that somebody would look into this and correct the error but this was never done. I then contacted the Executive office and opened a case number XXXX and provided date and time stamps for the call. 

I was mailed a letter from the executive office stating that they did find misconduct on the part of the representative from XX/XX/XXXX where my payment was not made {$0.00}. No callback was ever provided as requested and now my account still deceptively reflects as past due. 

I believe these practices are injurious to me as a consumer and are unfair, deceptive and abusive. I believe the bank has tarnished my consistent history of never missing a payment and the standing of my account. Despite finding a fault on their end stated in writing on the letter mailed out with respect to XX/XX/XXXX, the bank has failed to rectify the issue and continues to injure me.
Product: Debt collection

On XX/XX/2019, I received a letter from AWA Collections ( XXXX XXXX XXXX ; XXXX, CA XXXX ) claiming I owed them {$54.00}. 
Since I have never had any contractual agreement with AWA Collections, I maintain I do not owe them {$54.00}. 

On XX/XX/2019, I responded to AWA, notifying them of the action to be taken, if they were to place adverse items on my credit report. 

On XX/XX/2019, I was informed that AWA Collections had placed an adverse item on my credit report. Hence this complaint.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Midland Credit Management, XXXX, XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Midland Credit Management is reporting two fraudulent collection accounts on my credit file : XXXX. Account XXXX XXXX in the amount of {$2800.00} XXXX. Account XXXX XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with Midland Credit Management and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both Midland Credit Management and XXXX and the other two credit reporting agencies.. 

Despite my disputes : XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. 
Midland Credit Management has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. 

Specific Violations : XXXX. XXXX, XXXX and XXXX Failed to disclose the method of verification for the disputed accounts. 
Continued to report unverifiable accounts, violating Sectio

n 623 ( a ) ( 3 ) of the FCRA. 2. Midland Credit Management : Failed to provide validation of the debt, incl
uding proof of the original agreement with my signature.

Continues to report these debts without verification, violating the FDCPA and FCRA.

If no verification is provided, the accounts must be permanently deleted from my credit report.
Product: Debt collection

ERC non-compliance of federal law under the Fair Debt Collection Practices Act. ERC has failed to provide me with a copy of any viable evidence, bearing my signature showing the account is being reported accurately. As per FT C opinion lett er from Attorney  XXXX   XXXX   XXXX , ERC should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.
Product: Credit card or prepaid card

XX/XX/2019 Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Im writing this letter regarding My Fraud Report, which I filed on Monday XX/XX/2019 at XXXX XXXX. I received your email dated XX/XX/2019, declining my Dispute and I spoke with a representative via phone call and asked that my case be reopened. I do not believe that the investigation was fairly completed in less than 2 days, nor do I feel that the investigation was true or in the interest of the true situation. 

Enclosed please find documentation that sustains and corroborates the suspicious nature of the 4 transactions in question that have left me out of {$2500.00}. The activity on my Bluebird accounts show the attempts by whomever to send test amounts before emptying my account. I did not approve nor did I make those transactions. 

Those transactions have the date and time of when the person ( s ) used my bank account to fraudulently steal my money and the email addresses they used to send four ( 4 ) different amounts of money to four ( 4 ) different people that I didnt approved nor authorize and that were done at a time of early morning where I am still in bed, asleep. I sustain that I do not know any of the email addresses or person ( s ) who received this money. 

included proof that there was suspicious activity leading up to these transactions in the days prior, where my debit card was locked due to the PIN being changed. I had to contact Bluebird to unlock my card on Saturday, XX/XX/XXXX. I do not know if this incident was coincidence or if it was a precursor to these fraudulent transactions on my account. But I have to believe that I was being set up to being a victim. 

I hope that this situation can get clarified as soon as possible and my money get restituted. I deserve protection by your financial institution, appreciating my almost 5 years of business with you. 

Unfortunately, I will be obligated to pursue my legal options in this matter if the situation can not be resolved on your end in my favor, where my assets and my rights are being protected. I believe responsibility in this matter belongs to your financial institution to thoroughly investigate my transaction history for the entire time I have been a customer, where you will find that I have never sent money in these astronomical amounts to anyone and the account holders that belong to the email addresses where the transaction amounts were sent. They are not on my account as approved or added as Bluebird contacts that I frequently use. 

I look forward to resolving this matter between your institution and myself. But I am prepared to take legal action against Bluebird. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I opened an account with eToro on XX/XX/2024, and completed their verification process. I began depositing funds and investing in cryptocurrencies over the next week. On XX/XX/XXXX, I received a notice via email that eToro required additional biometric verification within 24 hours or I would " face position, account, and/or wallet closure. '' I attempted to complete the additional verification the same day, but the process repeatedly failed. That day, I opened a new support ticket stating I was unable to complete the verification and I asked for an alternative method. After realizing the demand for additional verification also came via its own ticket, I responded to that as well with the same information. 

On XX/XX/XXXX, my submitted ticket received a seemingly auto-generated response that my request would be passed " to a relevant department for review. '' As of today ( XX/XX/XXXX ), neither ticket has received any further response and my account remains frozen. I am unable to deposit or withdraw funds. 

After two weeks of no response to either ticket, I attempted to close my account. As part of the closure process, eToro requires that you close all positions and withdraw all funds. As my account is frozen, I am unable to withdraw funds, but I was able to close my positions. On XX/XX/XXXX, I submitted a new ticket to withdraw my funds and close the account. There has been no response to that ticket in almost two weeks. 

On XX/XX/XXXX, I decided to use their chat bot to see if it could help withdraw funds. This generated an automated email to me, which isn't visible in the ticket history listing. On XX/XX/XXXX, I responded to that with my bank information, as requested in the email. 

As there has been no response to any of my prior tickets for a month, and eToro provides no other way to contact them, I'm not hopeful that my email will garner a timely response.
Product: Credit card or prepaid card

I have an american express personal platinum card and an american express corporate platinum card. Both appear on my personal credit report. 

American express is not supposed to have a credit limit, but mine report a credit limit with the monthly statement. This limit is not appropriately reported to credit agencies. 

The balance on the card shows or the maximum amount in the month which adds to the numerator for credit utilization, but because the denominator is not included/reported, it falsely elevates my credit utilization. 

If there is a maximum reported on my statement that amount should be required to be reported to the credit agencies to give a fair, accurate, and complete picture of my credit utilization. If this amount changes the change can be reported the same as when any other card increases or decreases the credit limit on an active credit card account. 

Amex never reports the many months of negative balance on my cards. I know it is the amex card, because I had 3 cards. My total credit showed {$75000.00}. My XXXX card is {$25000.00} and my Master Card is  {$50000.00}. My amex shows {$25000.00}. If Amex reported the total would be {$100000.00}. That is 33 % increase in credit limit that would decrease utilization and improve my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.
Product: Money transfer, virtual currency, or money service

Hi I am very overwhelmed.. I am being XXXX.. i have been called a XXXX I have been ask over and over again for the personal information over the phone plenty of times.. I have responded to them and I had told them several of times about my accounts banks cards loans and so on with my credit..today I reported a card stollen I got XXXX $ taken away from my net spend card it was my rent money they over drafted me
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  account XXXX  XXXX XXXX account. # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated rights. 


15, U.S.C 1681 Section 602 A states I have the 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 instruction.
Product: Credit card or prepaid card

This is the second time Citi has not applied my payment. At present I sent my payment on XX/XX/2020. The company still has not posted my payment. They did the same thing las month. They received the check on XX/XX/XXXX, and did not process the check until XX/XX/2020. They keep blaming the post office. However, it is only happening with Cit bank. I am not having problems with other companies. I have spent 25 hours on this problem. The staff is nasty, and they do not return phone calls. and no matter what you say they keep going around in circles. They charge me late fees. Please help. 
XXXX XXXX
Product: Debt collection

I received a settlement offer from a collection company in behalf of Kohls and I accepted and paid the debt. The collection company is claiming they cant see that I made the payment I will attached the settlement offer and the receipt showing the acct has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Product: Credit reporting or other personal consumer reports

i noticed one derogatory mark reported on both their TransUnion and XXXX credit reports, which they believe to be inaccurate. The derogatory mark may be related to either a paid-off account or an account that was reported incorrectly as delinquent. My client has already resolved the matter with the creditor ( or believes the debt was settled ), but the negative mark remains on their credit report.

Additionally, there is one inquiry listed on the XXXX report that they do not recognize or believe was made without their authorization. They are concerned that this inquiry may have impacted their credit score, and they would like it to be investigated and potentially removed if found to be unauthorized.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights I am demanding a deletion of the following ( XXXX XXXX  XXXX XXXX )
Product: Debt collection

I HAVE A COLLECTION FOR XXXX FOR XXXX XXXX I DONT OWE THIS COMPANY ANY MONEY, I WANT THIS ACCOUNT DELETED FROM CREDIT REPORT, I ALREADY FILED A DISPUTE WITH 3 CREDIT REPORTING AGENCIES,
Product: Money transfer, virtual currency, or money service

Date of Transaction - XX/XX/XXXX Financial Institutions - XXXX through Wells Fargo Bank Amount - two items, totaling {$280.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$280.00} Details Category : Other Outgoing Transfers Made an online purchase - at XXXX XXXX XXXX - I was sent a confirmation email, and then, they requested that I send payment to them through XXXX. The story / rationale they gave me for requesting XXXX was that they were able to hold their prices down by not accepting credit card transactions and paying credit card fees. 

They confirmed receipt of the XXXX transfer / payment, said they would send shipping info within minutes, and then, they disappeared. 

Never received my merchandise, and I can not seem to successfully file a claim through XXXX- The XXXX site keeps asking for a 12-character, alpha-numeric Payment ID, and Wells Fargo hasn't heard of such a thing.
Product: Credit card or prepaid card

In XXXX of XXXX, I used my Comenity Bank credit card at XXXX XXXXXXXX to purchase some merchandise for {$210.00}. In XX/XX/XXXX, I made payment of {$51.00}. Then, in XX/XX/XXXX, I made a payment of {$50.00}. My husband was laid off from his job, so I contacted the card company to try and make arrangements. I don't remember verbatim what was said, but essentially the company didn't care and stated that the payments were still due and would not waive any fees. I then tried my best to make payments when available and in XX/XX/XXXX, I made another {$50.00} payment. I couldn't in XXXX as he was still laid off and then in XX/XX/XXXX paid another {$37.00}. I discussed with them in XX/XX/XXXX that I had previously called and attempted to get them to work with me because the balance was still {$140.00}, after making a total of {$180.00} on an original amount borrowed of {$210.00}. I was frustrated that Comenity Bank was not willing to work with me and I gave up making payments. I understand that late fees and interest can occur, but I was attempting to work and they were not budging. Their late fees are extremely high and needless to say I won't be utilizing Comenity Bank again. In attempts to repair with them and settle, in XX/XX/XXXX I contacted them to learn they had sold my account to XXXX XXXX XXXX for {$1100.00}. I contacted XXXX XXXX XXXX and Comenity Bank at that time to again try and make payment arrangements and have them removed from my credit. I was on the phone with Comenity for a total of 2 hours, was hung up, transfered to wrong departments and everyone stated that I couldn't either file a dispute with them or speak to the office of the president because my account was sold. However, Comenity was still reporting negatively to my credit. In XX/XX/XXXX, I attempted to call XXXX XXXX XXXX and speak to my account manager XXXX XXXX. She stated she could settle for a total of {$450.00}, but could not remove anything from my credit and that I would need to speak to Comenity. I called Comenity to speak to a total of 3 people, one of which was a supervisor by the name of XXXX and he stated he couldn't do anything because he didn't have my information it was sent to XXXX XXXX XXXX. He stated that he couldn't pull up my balance or payment history or anything, yet Comenity Bank is still reporting to my credit, so they are withholding pertinent information from me. No one at XXXX XXXX XXXX, nor Comenity Bank, would give me information as to the original balance or payment information. I had to retrieve that information from my credit report. At the very least, Comenity is price gouging, not to mention their horrible lending practices. I am attempting to settle this issue and fix my credit report, but I am NOT willing to pay {$1100.00} for an amount that I owed {$23.00} left ( $ XXXX {$180.00} ).
Product: Credit reporting or other personal consumer reports

I am filling this complaint because Experian has repeatedly fail to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specially they have violated. 
15USC1681e ( b ) Failure to maintain the accuracy of my credit report.

15USC1681s*2 Neglects in insuring the furnisher of information comply with their obligations.

15USC1681I ( 5 ) Failure to properly reinvestigate disputes and remove inaccurate information.

15USC1681c ( c ) Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian but they have either fail to conduct proper investigation or reinvestigations or outright ignored the evidence I provided. to make matters worse i have learned about the recent CFPB law suit againsExperian. 
CFPB sues Experian for Sham Investigation of credit reports which highlites that Experian has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports This issue has impacted my ability to access credit, housing and employment opportunities as a result of Experian 's Noncompliance my credit report remains inaccurate. These are the accounts that have violated the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX failed to validate the debt or establish that the debt is associated with me. As. XXXX knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And XXXX lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

XXXX XXXX XXXX
Product: Debt collection

It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.