23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Purchased 3 Vanilla Gift Cards one on XX/XX/XXXX of this year and the other 2 on XX/XX/XXXX of this year. All 3 purchased at 2 different XXXX We even alerted our local store to pull them. And they wont do anything about it.. All 3 with the amount of {$500.00} each. All were gifts for my kids for XXXX. They where purchased and put in my dresser drawer til XXXX XXXX. Then opened and tried to set pins on XXXXXXXX XXXX and I couldnt.. they had missing numbers and the security scratcher on back was already gone. I called Vanillas Customer Services to find out that they all have been compromised, have all been registered and had purchases on them. I had just taken them out if the package. They are having to do an investigation could take 7 days. On the back of them it says Member of FDIC distributed and serviced by InComm Financial Services , Inc . I just want to make sure I get my money back. My kids were so excited when we told them what we were doing ... to complete shock... I'm devastated.. I can't believe someone done this.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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, states s consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX  for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.

Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.

Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.

If you require any further documentation or clarification, please let me know.

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, XXXX XXXX
Product: Student loan

I have XXXX loans that were technically illegally given at the time i started school but the school somehow managed to push the loan the following year so it would look accurate. XXXX/Navient is reporting a 90 day late and with the payment history i have requested, my loans have always either been deferred or in a current status. This status is showing reported back in XX/XX/2012 on all XXXX Bureaus and they wont update the status nor will the credit Bureaus updated it with proof that there is no 90 day late. Please help me with getting this updated to having this negative remark removed.
Product: Credit reporting or other personal consumer reports

I contacted Experian, Equifax, and TransUnion and disputed several accounts on the report that were inaccurate and not validated. Disputed XXXX each time they said the accounts were validated but they never provided any information that I requested like a signed agreement between me and the said creditor or valid proof that the debt belonged to me. They continued to report the inaccurate information preventing me from being approved for loans and renting an apartment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX The following account was charged off as of ( XX/XX/year> ) Since then the account has been repeatedly updated as a charge off every month. This is an update in the payment history which to my understanding a charge off account should NOT include an active payment history. Need I remind you that this is also falsely manipulates the statue of limitations. 
I am demanding a deletionof the following account : XXXX XXXX XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing late payments on my current XXXX XXXX XXXX XXXX Auto Loan Account and XXXX XXXX Auto Loan Account thats currently listed on my XXXX, Experian and XXXX XXXX credit report. I have never missed a payment with XXXX XXXX XXXX XXXX or XXXX XXXX. The information is inaccurate and incorrect. All of my auto loan payments to XXXX XXXX XXXX XXXX and XXXX XXXX has always been on time payments.
Product: Debt collection

My consumer credit report has a collection trade-line from Midland Funding in the amount of {$740.00} and the original creditor is entered as XXXX XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.
Product: Bank account or service

What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.
Product: Credit card or prepaid card

Wells Fargo is not providing a clear answer regarding my account related to my Due Date ( which is the XXXX of each month ) and billing cycle. 

When I log into wellsfargo.com it states I am currently 9 days pass due as writing this complaint. This is according to Wells Fargo information. If going according to the payment due date, I would be 14 days pass due. 

Wells Fargo Customer Service and the credit reporting agencies stated this is because the billing cycle started on XX/XX/23 and this is what Wells Fargo reports to the credit reporting agencies. They also stated my payment due date determines late fee and interest charge if the payment is not received and the billing cycle is what is reported to the credit agencies if payment is not received within 30 days. 

Please refer to the attachment which is a screen shot of my account on XX/XX/23 and states I am 6 days past due, which means Wells Fargo reports the billing cycle to the credit agencies.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to promptly eliminate the unauthorized inquiries from my credit report. They were not approved by me and are causing me significant concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute several time with the credit bureaus XXXX, XXXX  and transunion to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all
Product: Credit card or prepaid card

On XX/XX/21 I attempted to use a ATM machine to withdraw {$500.00}. After entering pin and entering amount no money came out but an error message said because I took too long to remove the money it was was returned inside the machine ( but the money never came out ). But, the account was debited {$500.00}. This machine has a history of malfunctioning which Wells Fargo admits to. Knowing this Wells Fargo says, we have to wait up to 10 days for them to investigate. This is a hardship, we have bills to pay and we need our money now. 

Claim date : XX/XX/21 Claim number : XXXX Wells Fargo customer service number : XXXX ( XXXX ) XXXX Customer name : XXXX XXXX Contact number : ( XXXX ) XXXX. E-mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX ACCT # XXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I have filed an electronic dispute with Experian, XXXX, and XXXX XXXX for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.
Product: Credit card or prepaid card

I am consistently receiving a rejection message stating Application information tied to unusual activity ; however when contacted PayPal refuses to disclose anything related to this message and simply says try again later.
Product: Credit card or prepaid card

I signed up for the XXXX XXXX credit card, which offers XXXX points after spending {$500.00} in the first 90 days. I completed these requirements, but the points did not post ( even after 30 days, as per the terms of the agreement ). I contacted Commerce Bank, who told me to contact XXXX XXXX, who told me to contact Commerce Bank.
Product: Credit card or prepaid card

A fraudulent charge was made with my card. I attempted to have XXXX cancel the order, but they would not because my email didn't match the one on the order. I disputed with Discover Card. The dispute was declined because " the geographic location '' was my home location ( I wasn't home at the time of the charge, was on vacation with my family ) matched the ip address used. I don't have any emails or other information ; I assume they went to the email of the person that stole my info. I only have the charge on my account and the dispute information. 

The charge was for {$270.00} and was made on XX/XX/2022 at XXXX CST, for a jar of mayo and a tent. The mayo arrived at my house ; the tent did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX both my credit report and husbands showed on XXXX  the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on Experian.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2025, I received a credit alert that a loan was opened on my report and was attached to my credit report. My student loans were forgiven almost a year ago through the XXXX and it seems that they have entered information inadvertently. 

The original loan account listed on my credit report stated that it was from XXXXDEP OF ED. That has now been removed from my credit report showing a balance of XXXX ''. 

The new account that was opened is MISSOURI XXXX XXXXXXXX with a balance of XXXX '. 

I'd like this to be corrected on my credit report because it has caused a negative mark and my credit score dropped. 

Please advise.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I am unaware of their origins. Per USC 1681g, I am formally requesting their deletion within 15 days. Relevant documents are included for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Complaint that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. The following items should be deleted as they are fraud in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}
Product: Checking or savings account

I have filed a XXXX XXXX XXXX ( Form. # NFCU XXXX ( XXXX ) form dated XX/XX/2024 as I was fraudrantly contacted by Naval Federal Credit Union XXXX XXXX whom Navy Federal 's customer service number of ( XXXX ) XXXX. My account numbers were changed as well as my email passwords. 

There was a loan # XXXX in the amount of {$4500.00} that was drawn in my name that I did not authorize and I was fraudrantly told that {$4500.00} was withdrawn from another member named XXXX XXXX  and transfer into my account. So I transferred back but later to find it was a loan fraudulently generated in my name. I have created new account numbers and have placed faith and trust in NFCU to rectify this situation accordingly only to be served with a denial letter stating I am liable for the {$4500.00}. ) my new account # is ending # XXXX I have filed XXXX different fraud claims only to me met with a denial and stating I need to file another one.
Product: Credit reporting or other personal consumer reports

At the time of Charge off/ Write off the Creditor never sent me a 1099-C Form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the account I have never agree, signed or authorized to open an account or even to inquire debt with the creator. The account is fraudulent or reported incorrectly on my credit report. I have file a Identity theft and attached it. Please investigate and once is confirm that the transaction is not mine, remove it from my credit report. 
XXXX  XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Equifax responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.