23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I called the bank to report fraud under the claim number XXXX on my card ending in XXXX, all transactions starting on XX/XX/XXXX until the card was locked on XX/XX/2023. 
The bank provided provitional credit and approve all transactions except all were made on XX/XX/XXXX ( all in XXXX, XXXX ) a city that I never been. 

I was In XXXX and the card was lost but in XXXX. 
I reopened the case but until today I dont have any update, there are {$340.00} that must be reversed by the bank for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXXXXXX XXXX  and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report INACCURATE. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that XXXX XXXXXXXX XXXX  and Experian provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The Experian Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXXXXXX XXXX XXXX
Product: Credit card

Please refer to my last case opened ( and then closed without my agreement ) against Old Navy and Barclays Bank.

They have red flagged my account and I can not access it. They are sending me reminders ( Barclays ) to pay my bill that is due soon but they have not provided a means by which to do so.

They wont let me use my Old Navy/Barclays card for any purchases. Any orders that I try to place get immediately cancelled and to this day no one responsible for this knows why this is happening. 
When I try to call Im placed on hold for an unreasonable amount of time and when I do finally get a live person they have no answers. 
A representative from the Presidents office at Barclays Bank assured me ( after my last complaint ) that this was all fixed but it is not. I am getting very anxious about this as I dont want it to affect my credit score since I cant make any payments! Please Help!
Product: Credit reporting or other personal consumer reports

multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, tranunion and XXXX removed 6 fraudulent accounts, please also help me with trans union and XXXX to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded
Product: Credit reporting or other personal consumer reports

I have had fraudulent information applied to my account twice now by Transunion startng XX/XX/XXXX up to XX/XX/XXXX. Causing multiple credit score drops, this information was not verified by this agency before applying to my credit report.I contacted my bank and my credit limit was not dropped, also my credit length with multiple companies is not correct also Causing another score drop. This company reports any negative information immediately and does not report any positive info for a month or better. Thus Causing multiple score drops and a yo yo effect to my credit scores..if you use your credit your penalized, if you don't use your credit your penalized. If you don't have 20 accounts opened your penalized, if you pay your total balance monthly your penalized..this is a no win situation and needs to addressed and regulated more.credit history plays a big part of life and living and these companies are playing games with our livlyhood.the cfpb needs do something about it and not ignore these ongoing problems like you have in the past
Product: Debt collection

Jefferson Capital System [ XXXX XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXXXXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Jefferson Capital System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Jefferson Capital System has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Jefferson Capital System promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Jefferson Capital System to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, by Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Jefferson Capital System , as provided under Section 616 of the FCRA.

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed an item I feel is inaccurate or does not belong to me. The credit bureau has failed to correspond in regard to this matter. I have sent several letters and received no response.
Product: Checking or savings account

I have an XXXX XXXX account and im trying to get payed for the hours i worked this week but im having problems getting the money into my account because it says my bank is taking too long to send my information. Help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a new credit Card with Avant and did not receive any statements until XX/XX/2021. After receiving that statement I saw the I had missed my initial payment that should have been in XXXX however I never received an invoice by email, usps mail, or a phone call abut the payment. I was shocked and in tears. It also reported my account at a high balance because of the late charges they tacked onto my account. I immediatly made a payment and followed up with a phone call. 

The first two times I called the individuals both were able to hear me when I stated who I was but as soon as I let them know why I was calling they no longer could " hear me. So I tried a third time. This time I waited until I knew the person could for sure hear me before I explained my issue with what they reported on my credit. 

The lady was rude and unwilling to remedy the situation. She said it was not their issue that I didn't receive an initial statement. I asked what we could do to remove this from my account and explained how I made the payment as soon as I received the statement. She said they were not able to do that. I let her know that companies are able to remove items from credit if reported falsely or unfairly which in this case was true. She said it was their, the companies, policy not to do that. I asked for a copy of the companies policy where it states that and she could and would not show me documentation. As well as showing no documentation that a statement or phone call was ever made to me prior to them charging my account and reporting to the credit agencies. I also explained that I have been under much more stress lately taking care of my in-laws who are unable to leave the house due to mobility issues. I pick up groceries, prescriptions, mail, ect ... So I understand that I should have been suspicious that I didn't receive a statement in XXXX. However, with everything going on with them and myself. Not to mention the pandemic it was not on my list to keep track of the account receivable for this company. I did my VERY best to communicate with them and was shut with a door in the face ... 

I have worked extremely hard to take my credit back and because of their mistakes my score dropped 70 points! I am even now in tears writing this. All of the other accounts I have are paid 100 % on time and never over the high limit. 

I need help to get this company to be fair and true to my credit. I feel like they are taking advantage of individuals by not providing statements and then charging fees and negatively reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined for credit due to a freeze I had placed on my credit last year. 
Using Experian 's website I attempted to remove the freeze in order for the creditor to access my credit history. For more than 10 days the website states : " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. 
XXXX Mon - Fri : XXXX - XXXX '' I have sent a letter to Experian asking them to contact me regarding this issue with no response. I'm sending a second letter today XX/XX//2020 requesting the same.
Product: Checking or savings account

My accounts ending in XXXX and XXXX were closed abruptly without warning because I had a business account that was the issue I had deposited checks from clients and the checks werent any good. Needless to say my personal account have forever been in good standing for the tenure of the account. I need my money right away from my personal accounts. I was told by a XXXX in the Risk dept I could request a hardship and that would take 5 days to be considered to get my own money. I need my money now today. I dont owe the bank anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax in regards to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. Despite the passage of time, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance of {$5900.00} for the XXXX XXXX XXXXXXXX account is inflated and inaccurate. I am certain that I owe a lower amount and do not recognize this balance. Moreover, the Past Due amount listed by Equifax for this account indicates inaccurate reporting. This account was closed and charged-off, and as such, the Past Due status should not be stated. I have taken steps to address this issue with the creditor directly, and I request that Equifax marks this account as disputed until a resolution is found. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report.
Product: Credit card

Discover Card offered a 5 % cashback bonus during the XXXX to XXXX quarter for any purchases at XXXX and XXXX made with their card. I signed up for this bonus. 

On XX/XX/XXXX, I placed an online order with XXXX. However, according to the XXXX invoice which shows the XX/XX/XXXX order placement date. The item was not shipped out till XX/XX/XXXX, and apparently my Discover Card was not billed for the purchase until XX/XX/XXXX. 

I spoke to Discover Card representative XXXX ( XX/XX/XXXX ) and discussed the issue. She stated that it may be possible to retroactively add the 5 % bonus on a purchase of {$180.00}, but needed to check with a supervisor. After a few minutes, XXXX returned to the call and said that the supervisor told her that the 5 % cashback bonus can not be applied since, the XXXX purchase transaction date of XX/XX/XXXX was after the final quarter of XXXX, when the bonus was valid. 

I pointed out to XXXX that I complied with the requirements of the offered cashback bonus when I placed the order, but because of the delayed transaction fulfillment date, I was being denied the bonus which at no time when I signed up for the bonus with Discover, had been warned about any problems where the bonus would be denied. ( I offered to provide the order number so Discover can confirm the date when the order was place. And I even urged Discover to submit a complaint to XXXX about this situation. However, XXXX indicated that I was the one who needed to file a complaint with XXXX. Also, reminded XXXX that it was Discover who offered the 5 % cashback bonus to customer who used their card to make a purchase at XXXX. ) I did indicate to XXXX that I would be filing a complaint with the appropriate party ( or parties ) so that they can be aware of an issue with Discover Card..
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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX  To Whom It May Concern, I am reaching out to convey my profound dissatisfaction and apprehension regarding the handling of the account XXXX  on my credit report. Upon thorough examination, I have identified numerous clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am hereby demanding immediate remedial measures to address this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Furnish a complete copy of the original contract pertaining to the account XXXX, established between the purported creditor and myself. 

Original Creditor : Clearly disclose the identity and contact details of the original creditor linked to this account. 

Original Open Date : Specify the precise date of inception for the account XXXX. 

Date of Last Payment : Provide the exact date of the most recent payment made in connection with this account. 

Date Account Was Closed : Indicate the official closure date of the account XXXX. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has fallen short in fulfilling its obligations to ensure the accuracy and integrity of the reported information. I insist upon a prompt acknowledgment and resolution of this matter. 

Should this request remain unaddressed beyond [ 15 days ] from the date of this communication, I will be compelled to pursue legal recourse to uphold my rights under the FCRA. Consider this letter as formal notification of my intent to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any amendments to my credit report be promptly reflected. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP 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 card or prepaid card

On XX/XX/XXXX I sent Navy Federal Credit Union ( NFCU ) a certified letter via XXXX [ tracking number : XXXX ] disputing memberships and accounts that were opened and obtained fraudulently by a former roommate. It has been over 30 days and Ive received no correspondence from NFCU in regards to this matter. I sent evidence showing my established residence at the time of when the membership was obtained. Proof of residency in the state of Tennessee and not Georgia. Police report from the XXXX Police Department. 

NFCU has exuded gross negligence in failing to properly investigate this claim. NFCU also sold these accounts to XXXX XXXX XXXX ( see attached document ) after I reported the debts to them as fraudulent which is a violation of several consumer protection laws and regulations.
Product: Credit card

I referred XXXX XXXX to the Chase Freedom card. I gave him my referral link and he was signed up and approved. I never got my bonus referral points. I tried contacting CHase and got no help.
Product: Debt collection

I received a called on X/XX/17 from the phone # XXXX. The caller left a message that they were calling for XXXX XXXX and stated that there is a problem with my name and social security number. They were calling from Weinberg Mediation Group and  that myself or my attorney have failed to contact them regarding this matter and since I have n't taken any action that I 'm not being compliant. First of, I have not received any communications regarding problems with my name and social security. And with all the fraud cases I 'm not calling someone to give them or discuss such a delicate subject. I can only assume this is a debt collector using a lie to get me to call them back. The call back # is XXXX not XXXX which they called from and in their website it states they are a debt collector. For what debt I have no idea.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove these fraudulent accounts ASAP.
Product: Debt collection

I purchased two water heaters for installation by Lowe 's Home Centers on XX/XX/19. Listed below are my concerns that Lowe 's has not corrected : 1. Water heaters delivered face down in truck. Manufacturers .guidelines on box state that water heaters are never to be laid down.

2. Rusted T valve used to connect two brand new water heaters. I asked the installer to use a new one but he refused. Wood blocks were used to hold up this T valve. According to the manufacturer no combustible materials are to be used next to a gas water heater.

3. Lowe 's sent out two bent up pans to be used for the installation, but installer had to go out and buy two new pans that were not what the manufacturer recommended.

4. Vent Pipe to ceiling and roof has a hole that should not be and should have been adjusted 5. I sent in a rebate form that was printed out at the time of purchase and mailed it in during the time specified in order to get the rebate. Lowe 's installed sales manager cancelled this receipt on my credit card without my permission. It was rebilled after the dates to qualify for the rebate. I have asked Lowe 's to comply with the terms of the rebate offer and give me the Lowe 's credit card I am due. They do not want to comply with the terms of the offer.

6. I have requested an original copy of the adjusted receipt but have not received it. Since this affects my credit card I have a right to receive the original adjusted receipt.

7. The company Lowe 's hired to install the two water heaters should have pulled a permit before the work was started. They pulled a permit 5 days after they installed it. When I called the permit company I found out this company did not have a valid license on file and that there insurance was not current.

8. Installed sales manager told me recently that she was writing a work order for the company XXXX XXXX to come back out and make corrections but she has told me that they are now refusing to come back out to make corrections.

9. I found out after purchase of these two water heaters that the manufacturer has had problems with their gas water heaters and many have been recalled. Lowe 's did not tell me this.