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

Purchase XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX plus giving up my old XXXX XXXX in the amount of XXXX a total of XXXX. The XXXX XXXX were return to XXXX XXXX on XX/XX/XXXX with US Certified Mail Tracking Number XXXX we have made continuous attempts to get the money credited back working with both XXXX XXXX  and XXXX XXXX  and they keep denying the claim, saying they did not receive the XXXX XXXX according to the USPS they were received on XX/XX/XXXX we have the return receipts from them. 
We have file complains with the company NYS Office Of Attorney General File Number XXXX. 
We return the XXXX XXXX due to the fact that we were issues with the XXXX  XXXX from the beginning we went in for several appointments with no resolution. No Warranty card was ever giving to me leaving that led me to the conclusion the XXXX XXXX were old or use. No LACE program access was ever given for me to configure XXXX  XXXX We started writing Emails on XX/XX/XXXX with no resolution and began writing letter to XXXX XXXX to have the problem resolved with it was never resolved Wrote A Letter dated XX/XX/XXXX and that was sent along to XXXX XXXX on XX/XX/XXXX with the XXXX  XXXX XX/XX/XXXX File a claim with New York State Attorney General received response from them XX/XX/XXXX Received Letter from XXXX  attached dated XX/XX/XXXX stating that XXXX XXXX claims non receipt of merchandise Wrote follow up letter on XX/XX/XXXX received response letter from XXXX   XX/XX/XXXX wrote follow up letter XX/XX/XXXX including all information I am attaching
Product: Checking or savings account

I received a Visa debit card from a company named Cash App, issued by XXXX XXXX. It is under my name and mailed to my home address on XX/XX/2021, but I never authorized this and havent even heard of Cash App before. I contacted Cash App and they sent me an email with a set of questions, which I already replied back to with the answer.
Product: Checking or savings account

Prior to six months ago, I was able to Unlock and Lock my Debit Card every month end so that I can Transfer funds from my Ally Bank chequing account I named Payables, to my XXXX XXXX account, so that I can pay my XXXX XXXX 

I have never had any interest, penalty or fees for late payments on any of my accounts and the inability to Unlock my Ally Bank Debit Card to make the transfer to pay my XXXX XXXX XXXX XXXX XXXX ), is going to make that happen for the first time and Ally Bank should reimburse me accordingly. 

For six months now, I have been unable to Unlock/Lock my Ally Bank Debit Card using either their Web interface or their XXXX application interface. 

I have spent endless, countless now wasted hours, on the phone, in text and email, with Ally Bank over the past six months reporting this to them and every time they say it will be fixed in 2 days and it never has been for 6 months now. 

I found a workaround to Unlock/Lock my Debit Card, using their AI Text Bot, but when I kindly called to inform them of this workaround, that they admitted many customers were having the same issue, the next month end I tried using their AI Text Bot to Unlock my decor card, it was no longer working. 

It is like they are purposely blocking me from using my Debit Card.

Now I can not Unlock my Debit Card and they say they can not Unlock it either, so I literally have no access to my money and can not pay my bills. 

If XXXX XXXX puts interest/penalty/fees on my XXXX XXXX account, Ally Bank should not only reimburse me for that, they should have to pay me a penalty fee of {$100.00} for 6 months of wasted time, lack of minimal service and holding my money hostage. That {$100.00} minimum penalty should regardless of fixing the problem at this time, given I have wasted 6 months of my time trying to get them to fix this. In fact {$100.00} is nothing, it should be {$100.00} per hostage month for a penalty paid to me of {$600.00}.
Product: Credit reporting 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. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Debt collection

I had did a test with XXXX XXXXXXXX XXXX on XX/XX/2021 and paid with my card. 
However, in few days I started getting text on my phone regarding bill payment from services availed to XXXX XXXX 

MIND, I HAVE NEVER BEEN TO XXXX XXXX. 

THEY STOLE MY INFORMATION and started sending text and later followed by mails from CCS. 

Looks like its a spam and hence want to report it here.
Product: Vehicle loan or lease

Experian Credit Bureau determined on their system that I have lived in Arizona. 
I called to remove fraud alert because I kept getting declined when I applied for buying a used car from XXXX XXXX. I got declined several times due to fraud alert. I have called other credit bureau and it got removed. Except Experian who refused to remove fraud alert. I failed to answer the question if I have lived in other state? One of the correct answer on their system is Arizona. I never live in Arizona so my answer was none of the above. Experian asked me about my relatives who have lived with me. I failed to answer those questions because I have never heard of those peoples names and last names. I failed to answer 3rd question about the company I work, because I never work in any of those company. Experian determined on their system that I work on one of the companies listed as multiple choice. My answer was none of the above, because I didnt work on any of the companies listed on their generated system.

I was asked to send my drivers license and upload to their system. I have tried all day. The browser timed out too fast no matter how fast I typed all my information on step 1. I was able to made to step 2 where I can upload my drivers license. Then I tried to submit to get to step 3. It did timed out and sent me back to the step one over and over again. I didnt get to do anything all day other than uploading documentation to prove my identity to remove the fraud alert on my credit report account. I have called several departments in Experian credit bureau. Unfortunately, none of them are willing to remove it because I failed those questions that are not pertaining to my information. I was asked to send information to them by mail. I dont want it, because its too late now because my credit score will be changed by the time ( if ever received it ) the information is received. Not my fault if their system browser is corrupted. Not my problem the false information on my address is incorrect and used it as generated questions to prove I am me. 
I asked that this credit bureau should not be use as a legit information keepers. 
Experian Credit Bureau is buying those information from illegitimate companies. 
The Experian company needs to be shutdown or penalize for reporting an inaccurate information on behalf of American people. This company have destroyed lots of peoples information. A good safe keeper should have accurate information on citizens information not buying information on every companies who are not legit. 
Experian Credit Bureau should make it easy on citizens to verify their identity by asking relevant questions pertaining to the consumers accurate information not wrong information. I have never lived in Arizona. I visited Arizona back in 2014 for a day. I left the next day. I meet with a friend coming from Ohio XXXX XXXX. 
I want the credit bureau to remove my fraud alert same as the XXXX and XXXX. The two companies have accurate generated questions on their system except Experian who has incorrect information used on their generated system as questions to verify proof of identity.
Product: Checking or savings account

This is in regards to a letter I received on XX/XX/year> with reference number XXXX. Per the letter, " '' because we did not receive the information we requested from you, we based our decision on the information available '' - I called customer service on XXXX and spoke with someone for over XXXX minutes about the issue. Because you denied the claim and removed the temporary credit from my account, I have overdrawn my account. Overall I'm very unhappy with the way that Wells Fargo has handled this claim- I have been a customer of Wells Fargo for over a decade, and I was scammed, the fact that Wells Fargo is unwilling to help me I find absurd.
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report with Equifax that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
Product: Debt collection

Good morning, sir/madam, I am a victim of identity theft several times in the past and I did report it to FTC/CFPB. This week I received an alert from my XXXX that my account is already on the collection : Here the information. 

Name : XXXX XXXX  XXXX XXXX XXXX ( 30 days Delinquent ) Name Collection Agency : Source Receivable Management Amount : {$3100.00} On the first week of XX/XX/year>, I contacted XXXX XXXX  and reported that this account is not mine and I never open this account. I was advised that they will investigate these issues and highly recommended to report to your agency. 
Looking forward to hearing from you. Thank you.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX these accounts are not mine. 

Please help me I am just now able to do things that I want without having to look over my shoulders
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Equifax ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
Equifax : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my discharged bankruptcy
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest. 

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was purchasing a set of tickets for an event and the woman took my XXXX and never gave me the tickets - PayPal refused to cover the fraud. They said they can not cover the funds even though I used my secured account. I have the XXXX posts and a copy of the
Product: Credit reporting or other personal consumer reports

transunion lowered my XXXX score by XXXX points because of increase of balance XXXX and increase in available credit. Sometting is really wrong.
Product: Credit card or prepaid card

The Ohio State Atty. Gen. Office, suggested that I get in touch with CFPB. I have a Sam 's Club MC. I pay my balance in FULL each month, & ALWAYS have. Since COVID, our mail service has been terrible. Not getting mail 6 days a week, mail being delivered after XXXX XXXX, & my mail going to wrong address. I spoke to a gal @ our local Sam 's Club. Her job is to intervene and help Sam 's Club members like myself, who are victims of fraud & legalized crime from Synchrony Bank MC!!! She talks to MANY people EVERYDAY, with the issues that I am contacting you about! I was told that this has been going on for quite some time... I was told that Synchrony does not like card holders like me, who pay off their full balance every month. They don't make the money on card holders who pay off their monthly balances. Tacking on fees & interest " daily '' to MANY consumers, is a way to fulfil their profitability. I contacted Sam 's Club Synchrony MC. I have spoken to several service reps ; and two supervisors. They are unwilling to help, not very nice to say the least, are short/rude, & just refuse to help! It is obviously their MO. One supervisor actually told me, that COVID & mail delivery, is NOT an issue! WRONG! ( Interesting that the parking lot for Synchrony locally is totally empty, as Synchrony employees work from home d/t COVID!! ) The Sam 's Club Rep., who could not be more nice/professional, told me that Synchrony told her that " the Sam 's Club MC, is a loan! '' As I am in my XXXX 's, have a college degree, & have had experience with credit cards ... What Synchrony is doing is fraudulent & wrong! I paid off my card in full as usual, then the new statement arrives, with fees & interest, totaling almost {$100.00}! Not getting our statement on time, Synchrony posting payment a day later on the automated service, the mail service, & COVID, is beyond our control. I look fwd. to hearing from the CFPB, in regards to this matter. Synchrony offers 5 % back on gas anywhere, 3 % back on Sam 's Club purchases, 3 % back on dining & takeout, & 1 % back on other purchases. Then they tack on fees/interest to ultimately take that away from the card holder/consumer! Hopefully Sam 's will dump Synchrony, as Walmart does not use them for the issues of concern that I have addressed...
Product: Debt collection

I sent multiple validation/verification letters to this company requesting proof of my signature stating that I indeed owe this debt by contract with this company. I have attempted to make contact by letter on three occasions. I have yet to get any response from this company and it has been 90 days with no communication. I have sent letters to XXXX and to XXXX that in return is stating the account is verified and nothing else, they are neglecting to correctly verify this account is truly mine. I do know according to FCRA that I should be receiving proof that I did create this debt. I never received anything from this company or any company for that matter regarding this debt. I checked my credit and that is the only reason I know of this debt.
Product: Debt collection

I have three accounts with Midland Credit Management and every one of them is being reported incorrectly on my credit report. I received a letter from them on XX/XX/2020 stating that I still owe them XXXX for a XXXX  XXXX account. They had sent my account to a lawyer and garnished my check for XXXX after I had already paid them XXXX. The XXXX  XXXX account is more than paid in full. Another card ( XXXX  ) they have on my credit as owing XXXX and I paid it down to XXXX. They couldn't find the payments is what they told me. This company calls me numerous times a day threatening legal action on accounts that are already paid for. They misrepresent themselves and are irresponsible when it comes to accounting for money. I have all of the paperwork and copies of checks. This company should not be able to do business like this.