23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report.

The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, inaccurate balances, reporting late payments, not reflecting on all accounts.

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions.

This is grounds for removal and I would appreciate it if these accounts are deleted : 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 card or prepaid card

I contacted the company after receiving a credit card with a limit and then immediately receiving a closed account letter. I didnt authorize for the account to be open or closed and asked the creditor to remove the account of my credit. XXXX refused and stated for me to send a letter but they will not remove the account even though everything that has been done by the below creditor is not legit or authorized. 


Comenity Capital Bank XXXX XXXX Credit Card
Product: Credit card or prepaid card

charge with promotion made in XXXX. charge made in XXXX different payment structure. 
I utilize the mobile app to pay which only shows 1 balance. App does not alert you that if you have multiple transactions with multiple pay structures, you must CALL the company to allocate your payment to the different balances ( that again are not displayed separately but as one balance ). Payments have been made monthly based on minimum payment however payment ( unknown to me until now ) is then divided between the different transactions resulting in the transaction with the promotional interest deferment to not be " paid '' by the promotional expiration date. In addition, all of the interest has now been added to the balance so that now when I pay my monthly bill over the minimum ( thinking I'm paying down by balance a bit quicker ) I am not as my " extra '' payment amount is barely covering interest that continues to accrue on the other transaction. This is completely confusing and unfair to customers who pay diligently. It seems deceiving and not having this information available on the mobile application ( with the rationale that it can be seen on the website ) is counter to reasoning of mobile pay. I was also told that I could set up alerts in the future for any other promotional balances and when I asked for assistance on where to find that on the mobile app, I was again told I had to do it on the website! They offered to allow me to pay the balance of the one transaction today, but I would also have to pay the minimum for the other transaction totaling almost XXXX! This is not helpful at all.
Product: Credit card or prepaid card

Set-up XXXX auto-pay which was working well. Then tried to make an extra payment for $ XXXX on XXXX. XXXX applied it to XXXX statement - and payment took precedent over my full auto-payment. Realized the issue on XXXX and made full statement payment. Spoke with agent after got hit with {$200.00} interest charge on XX/XX/XXXX. XXXX said XXXX would investigate the issue and I'd get response with 7-10 days. Expressed concern that I'd get additional interest charges. She said to call back if that happened. It happened! Never heard from XXXX via phone, email, text message. Just got more interest charges. Continued to payoff statement balance and got hit with another interest charges for {$230.00} on XX/XX/XXXX. Spoke with agent on XX/XX/XXXX, he had no ability for resolution. Said I'd get a call from XXXX to resolve. Already been down that road. Reaching out to you for help. I'm paying my statement balance each month and XXXX is still hitting me with ridiculous interest charges
Product: Credit reporting or other personal consumer reports

I opened an XXXX XXXX XXXX XXXX XXXX card services in early XX/XX/XXXX. I XXXX XXXX XXXX Was never late on a payment ever never went past my maximum credit limit of {$300.00} I had a fall paid as agreed on all three credit bureau/agencies for about 18 months. Now I got XXXX on XX/XX/XXXX at the time I do believe I owed XXXX right around {$70.00} is what my balance shouldve been. I disputed my XXXX account with Experian XXXX and I dont believe I disputed it with XXXX just as of yet, the reason being is I was not disputing the XXXX account saying it was fraudulent. It was my account I opened the account and early XX/XX/XXXX and like I said always paid as agreed never went even close to my {$300.00} credit limit most of the time Very low balance anyway was held without bail on XXXX XX/XX/XXXX while I was sitting at the XXXX XXXX detention center got my wallet and my tablet from out of the vehicle that the XXXX XXXX Police Department towed to their impound lot, and then auctioned off the vehicle Right around XXXX late XXXX I discovered all my accounts have been compromised. I let my case manager XXXX XXXX know and she allowed me to make as many phone calls as she could be in as busy as she was would be the only case manager for a lot of inmates, my point for this complaint is and I already contacted XXXX XXXX card service bank. I did not want my indigo account to just be disputed and took an off of my credit report all together I wanted the truth to be reported and that was for over 80 months I paid as agreed, and once I got incarcerated, I was a victim of identity, theft and unauthorized use of my credit card or my credit card and all my bank cards were used. I filed a police report online. I have it all document ties so I will be sending documents to indigo XXXX XXXX, XXXX card services And I will be sending copies to all three major credit agencies also because under the credit report and act a credit account that was rifle mine and was being paid on on time every month for over 18 months actually help my credit so I feel like them keeping the collections on my credit report hurt me and my credit score and them taken the indigo account off. My credit report hurt me even more because it wouldve showed nothing but on time payments for over 18 months right before I got detained and incarcerated and was offering me there upgraded card which I cant remember what its called in the rewards or something like that Ill submit the documents I have now, but I also will be submitting more documents via US mail to iXXXX XXXX card services, Bank, and all three credit credit agencies
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

Ive contact EXPERIAN via certified mail, the dispute center and the problems are still not being solved. 

UNAUTHORIZED CREDIT INQUIRIES I noticed that 4 of them were done repeatedly. 

Violation of 15 U.S. Code 1611, 15 U.S. Code 1681 15 U.S. Code 1692K XXXX XXXX XXXX XX/XX/2023 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 card or prepaid card

I received an offer in the mail to apply for the Capital One " Spark '' Business Card. The offer included a {$1000.00} Cash Bonus after spending {$10000.00} in the first 3 months. After fulfilling this qualification I received a {$500.00} Cash back. After numerous phone calls with customer service and management they have refused to give the offer that was promised. 
Procuring cause and offer information below has been provided. 

Reservation # : XXXX Access Code : XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that items flagged with an FTC report have not been removed from my credit file. Should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit file 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 Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated XXXX business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX.
Product: Credit reporting

XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.
Product: Checking or savings account

I believe its been money missing due to fees, garnishment and other things illegally
Product: Mortgage

Hello, I would like to file complaint against my Mortgage Loan Servicer Freedom Mortgage. I lost my job in XXXX due to COVID and no available childcare. I requested a forbearance in XX/XX/XXXX while working partial hours and continued to pay mortgage thru XX/XX/XXXX. On XX/XX/XXXX, I called Freedom to request my final Forbearance. I spoke with a rep named XXXX. XXXX took my Forbearance request and thoroughly explained 3 Recovery plans once the Forbearance ended on XX/XX/XXXX. On XX/XX/XXXX, I called and requested the Recovery Modification plan. The rep thoroughly explained all programs again and also explained a 4th new program called Advance Loan Modification, offered per FHA. The rep explained that the program approval rate was rare, and most people were not approved. He explained that they automatically reviewed me for this program first and then the remaining 3 programs ; Stand-alone partial, short-term recovery, and Recovery Modification. I explained to the rep my choice was the Recovery Modification. I asked many questions to get an understanding of the program. I explained to the rep that I am a single mom, first time homebuyers and due to the pandemic my salary changed. So, the Recovery Modification Program was the best choice for me. On XX/XX/XXXX I received letter from Freedom stating my application was incomplete and missing title insurance page. The letter stated that I could still be reviewed for the 4 Streamline programs listed above, with an incomplete application. I called Freedom that same day and asked the Rep if I could fax over title page. The Rep stated they would handle on their end and I did not need to do anything. The Rep confirmed that I requested the Recovery Modification option but confirmed that I would be reviewed for all 4 Streamline Programs. Today, XX/XX/XXXX, I called Freedom for status on my request. I spoke with Precious. She directed me to my online approval letter. The letter stated that I was NOT approved for the Advance Loan Modification, Approved for Stand-Alone Partial and NEVER reviewed for the program that I requested, the Modification Recovery Program . Precious incorrectly stated FHA only approved me for this program. I requested supervisor assistance. I spoke with supervisor XXXX XXXX. XXXX apologized and stated I would have to decline the Stand-Alone option in order to be reviewed for the program I chose on XX/XX/XXXX. I explained that they were taking away my options and had not correctly processed my request or reviewed me for all 4 programs they said they would. At this time I would like to file a complaint. It appears that my options are being taken away and I am not receiving the assistance afforded to me as a home owner affected by the COVID-19 Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX Account XXXX with Experian and XXXX XXXX 30 days ago. I have not had an account in my name with XXXX XXXX XXXX at any point in time. They are representing XXXX XXXX XXXX and I have never had a XXXX XXXX XXXX account in my name. My ex husband did but he is deceased. This debt was registered in 2021 while I lived in XXXX, Il and I can provide current lease and utility bills as proof. This is now affecting my credit and it is a debt that should never had been attributed to me. I want this removed immediately. Experian and XXXX XXXX should not be charging you to remove things if they are ethical reporting agencies. If I had paid for their services, which I can not afford to do then this would have been removed.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash A

pp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actio
ns have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX  credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX  and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX  to back up my claim. Acima was NO help at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage loan with Wells Fargo since XX/XX/2004, and recently started a mortgage refinance and found out that Wells Fargo hasnt ever reported the mortgage loan on my credit report. I have made all payments on time since XX/XX/XXXX!!! However I was turned down from a different company because I had no mortgage history reporting on my credit, as well as no credit scores!!!! I contacted Wells Fargo about this and they told me that it wasnt against the law for them to not report my mortgage loan to credit reporting agencies and they I would have to contact a lawyer!!!!
Product: Debt collection

I had medical assistance at the time of the XXXX visit, all referrals were in order and insurance card was given. No bill was asked upon leaving the facility, no bills were sent in the mail, about a year later I received a collection notice for a debt owed on that specific date of service. How can you send something to collections that you never gave the person a chance to pay, I did n't even know I owed anything. But anyways, I then called the collection agency and ended up paying the bill they asked. I thought everything was fine.. Well about 2 years after I received a new notice from another collection agency for the same date of service saying I owed them money again. How can this be?
Product: Prepaid card

On XX/XX/2024, I purchased a Google XXXX XXXX gift card from XXXX for {$44.00}. Upon attempting to redeem the gift card to my Google account, I received an error message stating : " We need more info to redeem your gift card. Send us details. '' I completed and submitted the requested information form on XX/XX/2024. 

On XX/XX/2024, Google responded with the following message : " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' I also contacted Google Support via their chat system, but the support agent informed me that they could not assist directly and that I must submit the form. 

I subsequently submitted the information form two additional times : On XX/XX/2024, I submitted the form again with supplementary details regarding my case. Google responded stating that I must wait 72 hours before submitting another request. 

On XX/XX/2024, I submitted the form for a third time. Google replied with the same automated response as my initial submission, stating they were unable to help redeem the gift cards due to account inconsistencies.
Product: Credit reporting or other personal consumer reports

I have been with COMENITY BANK/WAYFAIR for a long time, and I have always appreciated the good value and service I have received from COMENITY BANK/WAYFAIR XXXX Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 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: Credit reporting, credit repair services, or other personal consumer reports

All credit reporting agencies are missing monthly status reporting history from over XXXX student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view report.
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. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ;