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

My account was compromised and money was taken from my account. I called Wells Fargo on XX/XX/XXXX and reported the fraud. The total amount of fraudulent charges was {$2900.00}. Today, XX/XX/XXXX, my claim was denied with no reasonable explanation. I am being denied access to money that I rightfully deserve. Wells Fargo and XXXX XXXX customer service were both unable to resolve the issue and im left without a resolution. I have a pending eviction and this financial mishap is causing me my way of living. Wells Fargo is refusing to assist me any further in receiving my funds back and I need help.
Product: Credit card

I recently wrote convenience check from my Barclay credit card and it posted on XXXX/XXXX/XXXX for {$1400.00} for my standard APR. Three days later on XXXX/XXXX/XXXX I receive more checks with a promotional APR of 3.99 % through XXXX of XXXX. I called in and asked if the promo rate could be applied to my {$1400.00} transaction and I was told no. Prior to writing my check I called in to determine the cash limit on the card and the representative did not inform me that any promo rates were available or checks were on the way. I work for a major credit card issuer and understand how long it takes for items to process and mail out. There is no way this was not available to that representative. Not only is it completely ridiculous that a transaction that posted 3 days early can not be switched over it 's downright insulting and deceptive to mail these promo checks after I 've just written one for my standard APR. I only asked the company to have the promo APR applied to the one transaction, nothing more, and both request I made were denied. Had the first rep I spoke to informed me these checks were on the way, I would have waited 3 days and used them instead. The difference in monthly interest charges is going to cost me ~ $ XXXX {$250.00} a month ever month until next XXXX.
Product: Vehicle loan or lease

I purchased a vehicle from a dealership the dealership sold me a car without having the title to the car. The Lending provider, which is GLS Global Lending Service, threatened me with a buyback due to not receiving the title for the car. The legal dept recommended that I retain an attorney because if they didn't receive the title soon, they would take back possession of the vehicle and cancel the loan. I spoke with them and the dealership, along with DMV, to rectify this issue. I even had to take the car back to the dealership in the middle of XXXX due to the temp tags and registration being expired on the car. The Lender still threatened with buyback practices but continued to expect me to pay for the car loan even though I no longer had the car in my possession. I just received my car back today and got the necessary registration completed on the car. However, I don't feel that I should be charged for the months that I didn't have the car, and I feel that the lender should have ceased all payment requirements on this vehicle until I received it again and until they received the title. It is not my fault the dealership sold me a car without a title, and it isn't my fault that the bank didn't do their diligence before paying for this vehicle.
Product: Credit reporting or other personal consumer reports

i was sued by XXXX XXXX XXXX i went to court in XXXX XXXX kentucky and the judge dismissed the suit due to the plaintiff not showing up. I have requested XXXX  times to have this removed from my credit report with no avail.
Product: Checking or savings account

On XX/XX/21 I purchased and exam using my debit card. Well that exam was canceled and merchant stated they sent refund. Well refund never posted. On XX/XX/21 I filed a dispute with the bank. I sent them the email from merchant regarding refund. I was told by bank that it can take 10-45 days for dispute claims. Well ten business days has passed and still no credit to my account. I have sent several emails to the disputes department regarding claim with no response. I have also communicated with customer service who stated they will send follow up email to disputes department for an update and still nothing. I spoke with 12 people to try and get this resolved. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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  ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX XXXX XXXX in XXXX of XXXX. 
This company since the beginning has neglected to report accurate information to the credit bureaus since the very beginning, often times inflating my balance and not reporting accurate available credit lines. 
Today, I spent almost three hours on the phone with TransUnion because XXXX XXXX XXXX  is claiming that as of XX/XX/XXXXXXXX I had a balance of {$880.00} with a payment of {$45.00} per month. 
This information is inaccurate as shown on my banks statement which I have included as evidence in this report. 
This company has not reported accurate information to XXXX or XXXX either.
Product: Credit card

Discover Financial Services ( DFS ) utilized deceptive advertising to promote the use of XXXX with their Discover Card product and is not honoring payments promised to customers including myself. 
DFS issued a press release promising 10 % cash back on all XXXX transactions conducted with a Discover card from XXXX. htttp XXXX After the promotion started DFS posted updated the terms and conditions on XXXX/XXXX/15 which specifically excluded the purchase of gift cards related to this promotion. Starting around XXXX/XXXX/15, after utilizing XXXX for a multitude of transactions I began receiving automated e-mails from DFS, specifically XXXXXXXXXXXX, claiming I had purchased gift cards on certain transactions and requiring me to submit receipts in order to receive the previously promised cash back. DFS me advised to contact the merchant and/or DFS would contact them on my behalf. The requirement to retain receipts was never mentioned in either the initial press release or any updated terms and conditions on DFS related websites and I had not retained any receipts which I could provide DFS. 
I e-mailed the above listed e-mail address advising that I did not have receipts for the various transactions/merchants they were questioning and was unable to obtain them for the merchant. Only XXXX detailed receipt was obtained by DFS for {$410.00} on XXXX/XXXX/15 from XXXX. After I began receiving receipt requests I began keeping all my XXXX receipts, though not required by DFS ' stated terms and conditions. 
I am requesting DFS honor all my other XXXX Pay transactions and provide an accounting for the payments they promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - This account is fraudlently opened and i have no idea on this accounts so experian and transunion needs to remove this from my collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian reporting a XXXX account that is not mine I have disputed it several times and file multiple police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries on these dates XX/XX/2023 XX/XX/2023 XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XX/XX/XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XX/XX/XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
Product: Debt collection

A letter has still not been received as stated in your previous response. I DID NOT AND THERE WAS NO AGREEMENT ENTERED INTO WITH XXXX XXXX and unless you can provide proof showing an agreement entered with XXXX XXXX THIS DEBT IS NOT VALID AND SHOULD BE DELETED ASAP. In addition according to the FCRA information in a consumer report can not be provided to anyone who does not have a purpose specified in the act. The consumer must be notified when adverse action is taken. AGAIN I was not notified nor was a thirty day notice given without reporting this. By law a five day notice must be given of the collectors initial attempt to collect a debt. I will not be paying for something I do not owe, have no knowledge of, and has adversely affected my credit. It also does not matter what day an account was purchased the debt MUST be reported from the original delinquency date that was within a seven year statute. This is illegal, inaccurate reporting and a violation of the FCRA. If this debt is not removed I will be contacting an attorney as you all are reporting this debt without proof, notice, invalidly, and illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name is incorrect in the credit file.other information is correct except defaults. 

Its almost a month, I am following up with equifax, but no results. My home loan is not approved and my settlement date is very never.It would be huge financial loss to me.please help me out.
Product: Student loan

Both my stident loans were always on forbancr..i was not supposed make any payments for i had no incone XXXX. 

In XXXX and XXXX additionally puerto rico wa hit by 4 hurrixanes. XXXX. We were declared disaster zone by the US president. 

The late payments they repirted on my account are wrong. I want them erased. They are harming my crexit score. 

There was no liability to pay at that time.
Product: Student loan

Great Lakes indicated that my application for Borrower Defense was denied by the US Dept. of Education without giving me further details.

The US Dept of Education has responded to my inquiry concerning my borrower defense application as follows : Dear XXXX : Thank you for contacting the U.S. Department of Education 's office of Federal Student Aid. We have received the additional information you provided regarding your application for borrower defense XXXX. Please retain this number for reference. 

You had 2 cases closed that was duplicate cases, your original case is still open. 
The status is pending review. 

You will be notified once a decision has been made on your application. 

If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX XXXX XXXX XXXX. Eastern time. 

Sincerely, U.S. Department of Education ( ED ) Federal Student Aid Borrower Defense Unit *To respond to this email, please reply to this email thread without modifying the Subject line. That way, your response will automatically attach to your application. * I would like Great Lakes to explain why I was told that my borrower defense application was denied. Great Lakes is nothing but fraud and does not maintain accurate information on my student loans
Product: Debt collection

nationwide credit is very fraudulent they call my phone numerous amount of time, including the am and afternoon as soon as I say I do not owe the debt they report to XXXX. I had to dispute this issue multiple times. XXXX resolved this issue however they still allow them to report it numerous amount of time. The balance nation wide Credit company claim I owe is XXXX dollars. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX. They are so rude and well mess up your credit score from XXXX to XXXX with sending disinformation to XXXX.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligationXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXXXXXX XXXX XXXXXXXX ....
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. XXXX Equifax XXXX and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXX bankruptcy XX/XX/XXXX and XXXX XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

Jefferson Capital I have never had any dealings with Jefferson Capital. They have tried to take me to court for a debt I know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. I'm deeply stressed and have been sending letters before this and still no response.
Product: Debt collection

I.C. Systems has damaged my credit and defamed my credit by doing the following : 1. Did not send me communication, informing me of my rights to dispute this alleged debt within 30 days.

2. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor.

3. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then XXXX  should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and Equifax is reporting 6 unauthorized hard inquiries and refuse to remove them also ...
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX JOVIAFINFCU - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

PLEASE DELETE THIS ACCOUNT I HAVE NO LIABILITY AND THIS WAS UNAUTHORIZED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CONVERGENT OUTSOURCING, INC. has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!