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

On XX/XX/XXXX, I received a text messaging from USPS but it turned out to be a fraud. It said that I have a mail in USPS and they needed to resend the mail. I was waiting for a mail from my company so I didn't specious that was actually a scam. I clicked on the URL in the texting, and entered a USPS-like website to enter my address and credit card information. I didn't know that was a fraud because the web page looked like the same website as the real USPS one. 
On XX/XX/XXXX, I received a text from Discover, which is my credit card company, saying that I had 2 transactions made from XXXX by the fraud. At that moment, I realized that the text I received on XXXX was a fraud. So I called Discover right away to report this fraud and ask them to stop my credit card. Meanwhile, I asked Discover to dispute these 2 fraudulent transactions. 
On XX/XX/XXXX, there were another 2 transactions made from XXXX by the fraud, but I didn't notice because I didn't receive any text notifications from Discover. 
On XX/XX/XXXX, there was another 1 transaction made from XXXX by the fraud, and I called Discover to ask why this was still happening after I made the first call on XX/XX/XXXX. But they mentioned their system was down, so they can't access my account to do any actions. 
On XX/XX/XXXX, I called Discover again, but it was too late to prevent another 2 fraud transactions from happening ( so there were 7 fraud transactions in total ). On this call, they just realized that they didn't cease online payment ( those frauds were done by XXXXXXXX XXXX which wasn't from my device. I only have XXXXXXXX XXXX  ). Due to Discover 's mistake, I lost $ XXXX. 
On XX/XX/XXXX, after 2-month of communication with Discover on those 7 fraud transaction disputes, Discover still considered those fraud transactions valid. However, Discover made really wrong decisions and terrible investigations. First, those fraudulent transactions were made in XXXX, but I had my XXXX traveling document to prove that during those transactions were happening, I was in the USA. Second, the signatures on the receipts that the XXXX merchandise provided were obviously not my signatures. Third, those fraudulent transactions were made by XXXXXXXX XXXX  which wasn't my device ; I always use XXXX XXXX Discover found a specious device but didn't ask me for verification. In sum, those fraudulent transactions were obviously not done by me. I have called Discover lots of times to talk about those disputes and provided my document that was authorized by the US Customs and Border Protection that I was in the US from XX/XX/XXXX to XX/XX/XXXX. 
Because of the disappointing investigation results by Discover and their mistakes, I have to report my case to CFPB to protect my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a vehicle, the dealership did XXXX hard inquiries on both our credit reports. We contacted the dealership, they provided us a letter to send all XXXX Credit Bureaus to remove the inquiries from our credit report. We sent the letters but XXXX, XXXX, and XXXX Blatantly disregarded the removal request of the dealership. We are looking to purchase a house and this blatant disregard is damaging our purchase of a home.
Product: Credit reporting or other personal consumer reports

This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. AR Resources currently reporting 5 accounts to my credit file, these accounts should not be on my credit file. 

AR Resources {$290.00} AR Resources {$660.00} AR Resources {$290.00} AR Resources {$270.00} AR Resources {$410.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number.

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Klarna under email : XXXX with phone number of XXXX. For several months I have been unable to update or log into the app to make payments or update my address. It requires both on the website and in the XXXX XXXX that there be a code sent to my phone to verify. But it never sends the code. I would like to update my address you have an old one. Please fix the login errors I am having so I can manage the account. All of this happened after getting in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a scam and fraudalent company. The debt amounts are wrong and the servicing was struck by civil fraud. They refuse to give me copy of the chat inquiry transcripts, email transcripts etc. The hold time for a phone when i tried to call with attorneys and law enforcement is well over an hour hold time. This is an illegal scam to get back at me. Attorneys will be involved. Interogatories and subpoenas for individual employees will be served as well. Please provide how and where i can send my demand letters. Please update my address from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to my current address of : XXXX XXXX XXXX XXXX, FL XXXX. Please not i have a XXXX and can not speak on the phone so need instructions by hard copy printed mail or email. I need to be able to login. All oversite agencies will be notified as well as the governor of florida of this illegal unlawful login issue that is causing this debt to be uncollectable. Provide written instructions and where to send subpoenas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am REALLY upset AND disappointed. 
The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$970.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$10000.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXXate : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply can't access XXXX or Experian. I was able to get one from XXXX last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with XXXX so she called me and said my maiden name was listed instead of my married name. ( I have a SSAN card with official married name since XX/XX/2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Auto Acct # XXXX, XXXX Acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 during all of this Covid 2019 pandemic a later payment appeared on my credit from this company I have never been late making a payment with them last 30 days not to mention their online account access never worked for me to process payments so as a courtesy they would send me text to make the payments because of the inconvenience with their online portal but then stopped sending the text which was negligent on their part. The last message I received to make a payment was in XXXX. Allowing for limited options for payments however I still made the payments. In Addition to that our country is in the middle of a pandemic which we were all affected by. I tried reaching out to the company but no resolution to the 30 day listed on my credit. Ive done some research and have seen reviews on this company and it appears Fortiva does this very often to clients and its not okay. They are very unprofessional and robbing innocent people during such trying times. Ive paid this account off in full.
Product: Mortgage

I had an insurance claim on my house at XXXX XXXX XXXX XXXX on XXXX/XXXX/15. My mortgage company refusesto release the insurance proceeds. They sent me {$3900.00} months ago but will not release the last {$8000.00}. They keep saying that they will send aninspector but nobody ever calls or shows up. 
I have made all the repairs and I need my money. 
Thanks, XXXX XXXX
Product: Credit card or prepaid card

After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX   in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Debt collection

I just checked my credit files and notice that Joseph Mann & Creed, filed a false account on my credit files. I disputed this before with another company and now they sent it to Joseph Mann & Creed and now they are calling me and make false claims to collect this debt. This is not my account and does not belongs to me.
Product: Credit reporting or other personal consumer reports

My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and noticed 2 accounts from XXXX XXXX XXXX. One is a Credit Card account opened in XXXX XXXX  with a balance of {$5000.00}, and the other is a loan account opened in XXXX XXXX  with a balance of {$2600.00}. I have never heard of this company, nor had any credit card or loan accounts with them or their original creditors. I am a victim of Identity Theft and these accounts are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed bankruptcy in XX/XX/2015but never foreclosed on the home and continued making on time payments to XXXX XXXX. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to XXXX XXXX they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with XXXX has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting or other personal consumer reports

I am writing to you to request your assistance regarding an error on my credit report that has had a negative impact on my financial situation. 
Recently, I checked my credit report and found a late payment that I believe is incorrect. This error does not reflect my payment history or my commitment to meet my financial obligations. I have kept a record of my payments and I am sure that I have not been in arrears for the date and account mentioned. 
Since an accurate credit report is essential to my future financial opportunities, I request that this matter be investigated in a timely manner. I would appreciate any guidance you can offer me on the steps to take to correct this error and, if possible, remove the incorrect information from my report.thanks
Product: Debt collection

In XX/XX/XXXX called to set up a payment plan with XXXX XXXX and XXXX ( XXXX ) for a known owed debt. Received a payment agreement letter stating they will agree to accept {$3600.00} total which includes office fees. The plan agreed was {$400.00} due the XXXX each month starting XX/XX/XXXX. The credit card company suing requests {$3200.00}. In the agreement letter it states that the funds will be applied to my balance. After unable to financially keep up with payments, the agreement was terminated and continued to my wage being garnished with the award to the credit company being {$3200.00}. After reaching out several times to XXXX, I have recorded conversations, they refuse to tell me if my ( XXXX ) payment of {$400.00} given XX/XX/XXXX was applied to the balance and was told to reach out to the court officer listed on my garnishment letter. Since then it has been more than difficult to get in contact via phone with them, but they still send me letters, most recent being XX/XX/XXXX stating that I owe over {$500.00} to them.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

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 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.