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

My husband was given 3 MasterCard Debit cards from his work as awards. He gave them to me and since they were still enclosed in the wrapper I thought I would save them to use on a trip etc. I assumed like most credit cards you have to call a number to activate for use and I never did this because I hadn't opened them. When we were going to XXXX this past XXXX to see my daughter I opened one card and the sticker said your card is now active, so start using it so I tried it at a restaurant but it said I had 0 balance, and I tried it again in XXXX seeing my other daughter in XXXX and same thing=XXXX balance. So a week or so ago I called the number on the card sticker XXXX customer service for MasterCard gift cards and they said they could try to submit for a fee reversal on the 2 cards I had never tried to use but not the one I attempted to use. Yes there was XXXX balance and there were inactivity fees ( which I didn't notice ) applied ( $ XXXX ) XXXXXXXX  balance on the cards.I was told to call back 24-48hrs to see if a decision to reverse the fees but no response and they resubmitted it again for 2 of the cards.It just seems I'm out {$120.00} even tho the expiration on cards is 2023. Today I tried to call US Bank XXXX XXXX  ( since these cards are issued by them- and they have been my bank for 23yrs and I cant believe they would put out a card like this ) and was passed to XXXX people and then to? who told me to call the number on card. So I called the consumer financial protection bureau. Card # XXXX, & XXXX ( I tried to use this one ). Yes I didnt read the small fine print on wrapper but I didnt realize it was active till I opened the wrapper and read the sticker that said your card is now active so use it. My opinion is there should never be an inactivity fee- it should only go by expiration date otherwise its ridiculous to put an expiration date several years out if the inactivity fee will expire the use of the card within less than 2 yrs.This is quite the money maker for MasterCard/US Bank XXXX XXXX because I'm sure I'm not the only one this has happened too. I would appreciate your help in trying to recoup any funds possible from these " gift cards '' if possible. Also some state laws have no inactivity fees and no expiration of the value of the card which all states should have or the cards should retain full value till expiration date of a few years. Thank you for your help with this matter. There should be one law the same in all states regarding MasterCard Gift Cards and others about valuation/expiration date.
Product: Payday loan, title loan, or personal loan

You velocity investments are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXXXXXX {$250.00}
Product: Debt collection

I have a collection with Enhanced Recovery Company LLC, for an account with XXXX XXXX that was opened in XXXX Florida in XXXX. As of XX/XX/XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NJ XXXX and my cellular service is with XXXX XXXX, so is my home internet service. I have never opened an account with XXXX XXXX. I have disputed the debt with Enhances Recovery who continues to put the debt on my credit report. They have not provided anything to suggest I opened this account. No mail, nothing. Just a collection on my report for something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, account XX/XX/XXXX XXXX has violated my rights, This account does not belong to my name, it is listed as a corporate account, and therefore should not be on my personal credit report, is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

Title XXXX of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions
Product: Credit card

Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, Sears.CITI Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than one attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.
Product: Checking or savings account

Beginning XX/XX/2022 someone named XXXX XXXX transferred money from our daughter 's account regularly via XXXX from her checking account ( my husband is coowner of the account ) We all have USAA Federal Savings Checking accounts. These charges most of ranged from {$80.00} to {$250.00} went on through XX/XX/XXXX, when we told our daughter to change her password after we noticed all these charges and she did not know this person or even knew about them. After she changed her password the charges stopped. At the same time, my husband called USAA to file a fraud claim. They said they would research it and get back to us. This week my husband called USAA again because we did not hear anything from USAA, no confirmation that a claim was filed nor any results. They told him that they did not find anything and he can file an appeal. Next thing we know, only because our cards were declined, USAA locked US out on ALL of our accounts. Without notification!!!! My husband called again today and got only the run around. They said a manager will get back to us within 3 days. Meanwhile all our money is held hostage. And as I looked into all of our bank documents there is still no document that we filed a complaint or that our accounts are locked. We are being treated like criminals and we have been banking with USAA for at least 20 years. We feel completely robbed by the bank and the fraudster!
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXXXXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX, personal XX/XX/XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS EXPERIAN XXXXXXXX XXXX XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have been on the Public Service Loan Forgiveness ( PSLF ) plan for over 3 years now and recently enrolled in school. Due to my enrollment automatically triggering deferment status, I called in to request a deferment waiver so that I can continue to make qualifying PSLF payments since I do not intend to defer my payments. I have requested this waiver FOUR times and have three employee ID numbers of customer service agents to whom I have spoken. On my fourth call, I was told I should make a payment anyway, and then I would need to re-certify my PSLF even though I did that inXX/XX/XXXX ( it is now XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALL COMPANIES ARE IN VIOLATION OF LAW!!!! 

" FAIR CARES ACT ''!! 



RESPONSE DISPUTE!!!!!!!!!

15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible! 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 und 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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/XXXX, I booked flight tickets through the Chase travel portal using my Chase XXXX Rewards. The flight was scheduled for XX/XX/XXXX, which didn't happen due to COVID19 pandemic. 

The flight itself went through several changes and Chase didn't give me any update in time. I had to call several times, each time holding the phone for more than an hour without getting sufficient status on the airline and flight status. The agents always promised to do more research and emailed me but none did. This can be verified by Chase 's recorded phone calls with me. 

The last update I received from Chase regarding this flight was on XX/XX/XXXX. I was informed of the credit I received due to this flight being cancelled. In the email, Chase also promised to come back with more details regarding when I'll need to use the credit. 

I tried to call Chase in XX/XX/XXXX regarding conditions and terms of the credit. There was no update and the agent promised to email me after finishing the research. I never received any email or phone call from Chase regarding my flight. I bought this ticket on its {$550.00} Chase XXXX card, which I subsequently cancelled due to this frustrating experience. 

Today, which is almost 1 year since Chase 's last update on this flight ticket, I googled the internet to learn that this airline has gone into bankruptcy. I still do not hear from Chase what's the status of my flight credit and if I could get my money back.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ describe the inaccurate account and collection ]. These items are inaccurate and do not reflect my actual credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

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

Sincerely, XXXX XXXX
Product: Checking or savings account

in referense to the case number : XXXX We got a notification and a confirmation of a recent Payment for the said amount to our account with the IRS. this means Arvest recently returned the funds to the IRS. i am requesting a transcrip for XXXX quater and XXXX quater for my XXXX. 

We will Present the currupt and fraudulent act of arvest bank for holding our funds from the date the IRS released funds to the date they returned the funds to the IRS Each day damage must be paid for. 
Arvest will have to pay for damages for holding our funds withing the period it held our funds. 

Arvest Bank must provide the date of when funds was sent back to the IRS and pay for the damages they have incured our company. 

If this date is not provided withing XXXX business days, arvest will have to come to the News station with the funds return date to the IRS and then pay us a bigger charges for damages Arvest Bank is required to reimburse me for the damages they caused to my business and to provide the date on which the funds were returned.Arvest will have to present the news station with the date of the funds ' return to the IRS and then pay us a higher amount for damages if this date is not given within XXXX business days.In order to settle this matter, Arvest needs to give the date of the funds ' return and acknowledge that they have earned interest on my money and that it is now time to reimburse me for keeping my funds without my permission. 
Arvest Bank is required to reimburse me for the damages they caused to my business and to provide the date on which the funds were returned. 

Arvest will have to present the news station with the date of the funds ' return to the IRS and then pay us a higher amount for damages if this date is not given within XXXX business days. 

In order to settle this matter, Arvest needs to give the date of the funds ' return and acknowledge that they have earned interest on my money and that it is now time to reimburse me for keeping my funds without my permission. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

organization : Robinhood Financial LLC XX/XX/2021, I starting using a new Robinhood Financial LLC account. 
Transferred funds from XXXX XXXX to Robinhood Financial LLC. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ XXXX each day based on their daily limit. 

I later realized that I likely triggered SEC alerts. My account was locked and Robinhood asked me for additional proof of identification, and XXXX XXXX financial records. These were submitted. 

XX/XX/XXXX, I was given a notice of account deactivation, that they would be returning funds to the originating source, and that the process could take up to 60 days based on my bank. 

XX/XX/XXXX, I visited XXXX XXXX to identify if there were any concerns on their end. Rep said that there were none, and that they were no comments on my account. 

XX/XX/XXXX, request for " explanation of the source of funds '' XX/XX/XXXX, " We are not able to support your account '' " the funds will be returned to you within 3-5 days '' XX/XX/XXXX, message received that my debit card is activated. 

XX/XX/XXXX, full balance continues to sit in the Robinhood account without signs of any return transfer having started.
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account XXXX : XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Checking or savings account

On XX/XX/2022, My debit card was charged unauthorized by three different merchants. 1. XXXX  {$74.00} 2. XXXX  {$250.00} 3. XXXX {$900.00}. On the same day, I called Chime customer service to have my card block and charges disputed. I was told I had to wait until the charge post to my account. I used the Chime app to dispute XXXX and XXXX on XX/XX/2022. On XX/XX/2022, the claims for XXXX and XXXX was declined because the bank found no error with the charges. Those charges were not made by me nor with my consent. My card is covered under XXXX XXXX I have procession of my debit card at the time of the transaction. My card information was compromised and someone was able to use my information. No items were received at my home so I am sure the fraudster used another address to have items ship in which doesn't match my account address on file.