23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; A XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I just received the XXXXBarclays Visa credit card that has a value proposition of 4 % back on restaurant spend. I got my first statement and noticed there are 4 separate transactions that did not appropriately apply the 4 % rewards. When i called customer service, they mentioned these merchants have the incorrect merchant codes and that is the root cause of the error. I asked if there is anything i can do to resolve this issue and we both determined it would be strange if i called the merchant and ask them to fix their merchant code. 

My complaint is based on the fact that XXXXBarclays does not have any mechanism/process to correct the merchant codes with their merchants. Also, when trying to request this as a formal complaint, they said they have no such thing. 

Losing rewards points is equivalent to losing cash and the fact that XXXXr/Barclays has no mechanism to ensure the consumer receives what was advertised is unacceptable. How do i know that they don't tell the merchant to setup their code as " miscellaneous '' at the point of credit card system setup?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX check, AC # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount $ XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Product: Debt collection

TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 ) Please remove the following inaccurate address from my credit report : I C SYSTEM INC. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/2022 XXXX  I got the results back in the mail. I see that Equifax said that they verified the inquire on my account or it is factual and I demand them to Please send me the procedure used to determine the completeness and accuracy of the Inquiry I listed. 

The other XXXX bureaus already deleted these inquiry from my account. It is only Equifax company that refuses to delete it and I have been worried about the procure or method used to determine that I actually Applied for the hard inquiry. I didn't apply or authorize and I don't remember XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX IS REPORTING INACCURATE INFORMATION. THE FOLLOWING INQUIRIES ARE UNAUTHORIZED. PLEASE REMOVE IMMEDIATELY XXXX XXXX XX/XX/2020, XX/XX/2020, XX/XX/2020
Product: Credit reporting or other personal consumer reports

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

A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of XXXX to my place of employment using the company ADP Inc . I am a consumer in the state of XXXX My wages are earned in the state of XXXX ADP has sent a email stating the garnishment order is valid from the state of XXXX.

The state of XXXX also does not have any jurisdiction in the state of XXXX.

Pursuant the XXXX  Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance.

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the XXXX  court order can stop the garnishment.

This is a violation of my consumer rights and XXXX state laws.

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a XXXX Attorney general complaint.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? 
Please provide me with the name of that individual, their business address, and telephone number. XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have XXXX hand knowledge of the alleged accounts ) and all that has ever transpired for the alleged accounts ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Account Number : Provide Physical Proof of ownership
Product: Credit card

I applied for a secured credit card using my passport and ITIN letter as identification. My application was approved, and I submitted an {$800.00} security deposit as required. After receiving the card and starting to use it, I was informed by customer service that my account was locked and I needed to provide a U.S. drivers license or state ID to unlock it. 

During the application process, I was told that a passport was sufficient as a form of identification. I have already sent my passport as requested, yet customer service has indicated that it might not be accepted. 

I kindly request that my card be unlocked based on the identification documents I was originally told were acceptable, so I can continue to use my account as intended.
Product: Student loan

-they falsified my application ( family size  ) -they m isinformed me about program -they misinformed me about how it would report on my credit ( showing as a credit card maxed out ) -they did not make me aware that they were outsourcing my fees.
Product: Credit reporting or other personal consumer reports

ive been working in XXXX for XXXX years i came back and i found these accounts this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i ve been living outside the united states for over 5 years and no one responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax : XXXX ATTENTION PORTFOLIO RECOVERY ACC #  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that was removed from my credit report months ago and it showed back up on my credit report with a new collection agency. Im guessing it was sold but it was removed from my account before it was sold due to violation of HIPPA act law. This credit company is not properly handling the issue they just keep adding things and not paying attention that the account has already been removed. I have submitted a request to dispute the account again when I shouldnt have to due to it already being removed from my credit report.
Product: Student loan

I am a XXXX XXXX VA XXXX XXXX veteran. I am cosigned/paying for two separate student loans for my Son whom is attending XXXX  XXXX University in XXXX. I am unable to negotiate a lower interest rate. Nor am I able to make these loans not count so harshly against my credit score. I have done all that I can in dealing with Sallie Mae. I don't know what I don't know and I am really just trying to get the best advice and interest rate possible. Please advise The two loans combined exceed {$47000.00}
Product: Money transfer, virtual currency, or money service

I have an account with Bank of America and XXXX Bank. On XX/XX/XXXX, I checked my Bofa account and I noticed that the was a XXXX transfer of {$3400.00} to " XXXX '' on XX/XX/XXXX and I started panicking because I never received a text or notification on my phone about the XXXX transfer especially with the large amount gone. I was also confused because I unlinked my XXXX from Bank of America a long time ago when I opened up my account with XXXX  so that XXXX would have my XXXX linked. I checked my activity on Bank of America and there is no record or history of a transfer going out to " XXXX '' which I found odd and decided to check my activity also on XXXX and found nothing either. So I immediately called Bank of America customer service and reported the fraud and after 10 days on XX/XX/XXXX they replied saying they are unable to refund me my money and to contact them to see why I wasn't able to receive my money back. Ever since I have been trying to contact Bank of America customer service and fraud line everyday and waited hours on the line with no one picking up the phone. To this day I still don't know my reasons of being denied a refund for fraud on my account and I truly believe that I deserve the credits back in my account since I never approved the transfer nor have any knowledge of it.
Product: Credit card or prepaid card

Sent in a letter last year to cancel all cards with Capital One, my online banking was disabled and since I could no longer make payments online, I wanted to be rid of these. My XXXX  XXXX XXXX card gives me a free FICO score every month. I checked it and found it had dropped dramatically, just about 100 points. 

I ran my own credit and found that Capital One had charged one of those closed cards an annual fee, I had no idea, then they proceed to charge their own fee, late fees and report my 'missed payment ' to the credit reporting agency. 

You can look at my credit, I have no other late fees for years. Except another that the same bank did to me two years ago, that had inspired me to pay off and close these accounts. 

Capital One is not a company with any integrity or morality. never once did we receive a phone call for these 'missed payments ' I want them to fix their mistakes and assure me that those cards are CLOSED.
Product: Credit card or prepaid card

On XX/XX/2020 I booked a vacation with my Citicard credit card for {$970.00}. This was booked through XXXX. Due to the COVID-19 outbreak my trip was canceled by XXXX- including my XXXX, I do not even have a voucher for the XXXX XXXX XXXX ticket. I disputed the charge through Citicard as when I contacted XXXX for the refund I was told to go through my credit card company for the refund, this is also posted directly on XXXX website. I received notification on XX/XX/XXXX that Citicard would Not be refunding me my money. How is this possible when the trip was canceled by XXXX  ( not by me ) and XXXX is starting to contact the credit card company because XXXX never actually paid anyone?
Product: Checking or savings account

I deposited a check from the Federal government for disaster relief on XX/XX/2023 with Chime 's mobile deposit. They give no warning that they will hold your money. The money is for emergency relief. And it has been taken from the treasury already. And it is now XX/XX/XXXX and the money is still not posted. And every supervisor I have contacted has no idea what to do.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request your assistance in resolving a matter concerning inaccurate and potentially damaging accounts being reported on my credit report by Experian. Despite my attempts to resolve this directly with Experian, they have failed to remove the inaccurate accounts from my file. 

Below is a list of accounts that are inaccurate or unverifiable : XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed, {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$150.00} written off XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Charged Off, {$1000.00} written off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$380.00} written off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Status : Paid, Closed XXXX XXXX Date Opened XXXX XX/XX/XXXX Status : Charged Off, {$120.00} past due XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$32.00} written off SELF / XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed, {$690.00} written off XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$110.00} past XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$370.00} past due XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection, {$600.00} past due XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : Paid in Settlement Legal Violations : Uniform Commercial Code ( UCC ) XXXX and XXXX ( b ) ( XXXX ) : These accounts have not been properly validated, nor has any original wet-ink signature contract been provided. Without these, the accounts are considered legally unverifiable and inaccurate. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : Experian has failed to ensure the accuracy of the information on my credit report and has not provided verifiable proof that these accounts belong to me. 

Estoppel Law : Continuing to report these accounts after acknowledging the inaccuracy is a legal violation under estoppel. I request that these accounts be removed immediately to prevent further harm.