23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received XXXX {$100.00} prepaid gift cards that my uncle purchased in XXXX, Michigan for me and my daughters ( his grand nieces ). I believe we received them for their birthdays last year ( XX/XX/XXXX ) or possibly the year before. They have been sitting around unused, but I decided to try to add them to a XXXX account so that we could use up the funds. I attempted today ( XX/XX/XXXX ), to register the XXXX cards, however the website on the back of the cards ( XXXX ) gives errors when I enter the card information. They have a link " Card not working? '' which leads to a different form to enter more information about the cards, as well as my contact information. I attempted to do this, but an error appears when submitting, stating to call the number on the back of the card ( XXXX ). I then called the number, which asked me to enter the XXXX digit card number and the XXXX digit security code, which then said " sorry, we can not verify '' and repeating asking for the same information. There is no other contact information on the website and the phone number did not seem to have any other way to talk to a person instead of the robot. The cards have an expiration date of XX/XX/XXXX, and state that there's no inactivity fees and that funds do not expire until the expiration date, so I'm somewhat upset that {$300.00} seems to be stuck in limbo as I can not access the giftcards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XX/XX/2020 TRANSUNION - XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX Experian : ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DEPTEDXXXX Account XXXX : XXXX DEPTEDXXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX TransUnion : ALSO KNOWN AS : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : XXXX XXXX XXXX # XXXX, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. 
According to the provisions of 612 [ 15 USC 1681j ],  there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX 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 a account without my written instructions.
Product: Credit card

I have filed previous complaints here on this issue, and I amrequesting these be taken seriously. This is not a repeatcomplaint, but an effort to show cone Consumer ProtectionFinance board how companies, and this company does notcomply or care about complying with the various consumerprotection laws, nor does it even take complaints made hereseriously as they continue business as usual. All I have beentrying to do is get a line by line reconciliation of this account, and all American Express does is state it is correct, and weare wring, in spite of the fact we have sent them actual spreadsheets to prove we are correct and they are wrong, We havebeen trying to get this resolved since XXXX, 2013, AND allthat happens is every sixty days, our dispute is removed andwe must reinstate it. And now it is happening every thirty days and we are threatened with bad credit reporting, told we arein breach of contract and the issues are never addressed at all, except to say they are right and we are wrong ; and therefore, the issues are resolved, which they are not!
Product: Credit card

I contacted Southwest Chase by phone on XX/XX/XXXX, and requested to pay off the highest interest balance ( cash advance ) XXXX. Cash Advance Balance is {$3200.00} and 19.24 % APR. They refused to apply it to the highest interest balance. I paid {$1200.00} online. According to the Credit Card Law of XX/XX/XXXX, regarding " Higher interest balances paid first : When consumers have accounts that carry different interest rates for different types of purchases ( i.e., cash advances, regular purchases, balance transfers or ATM withdrawals ), payments in excess of the minimum amount due must go to balances with higher interest rates XXXX. A common practice in the industry had been to apply all amounts over the minimum monthly payments to the lowest-interest balances XXXX -- thus extending the time it takes to pay off higher-interest rate balances. '' My minimum payment due was {$280.00}. My total balance was {$14000.00} on the XXXX billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to you and you refused to removed my old address from my consumer credit report which goes against 15 USC 1681 as it clearly the states the important of maximum possible accuracy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 




You are reporting wrong personal information on my consumer credit report such as my address I ONLY HAVE 1 address which is my current address.listed on my Consumer Credit Report ALL OLD ADDRESS SHOULD BE REMOVED.
Product: Bank account or service

It has been more than half year since American Express Blue Bird has unlawfully held my funds. I have made number of attempts and provided documents necessary in order for them to resolve my concern. 
At some point, due to fraud related concerns XXXX XXXX XXXX froze my account, then closed and reopened new XXXX to make sure that I am safe while banking. This issue caused BlueBird American Express account to be frozen or/and hold placed onto it. I went ahead and forwarded American express the letter sent by XXXX XXXX XXXX which states the reasons. American express, did nothing, but treated me in a very unethical manners. Racist operators and unprofessional supervisors refused to assist me and made terrible discriminative comments over the phone.
Product: Credit reporting or other personal consumer reports

The vehicle was repossessed. The following report is not reporting as a repossession and has no repossession date. This reporting is inaccurate. The inaccuracies are highly injurious to my credit score. You failed to investigate this account properly after I asked you to do it XXXX TIMES and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I believe Shellpoint Mortgage is dual tracking my home. I am currently undergoing loss mitigation with this servicer, but I have also received demand letters from their attorney, and my home is listed on my counties foreclosure site with a sale date of XX/XX/XXXX. I submitted a loss mitigation packet on XX/XX/XXXX. XXXX XXXX, the Single Point of Contact emailed me on XX/XX/XXXX to request documents that per the instructions of the loss mitigation packet were not required. I resubmitted my loss mitigation packet as well as the extra documents requested on XX/XX/XXXX to Shellpoint 's loss mitigation email, and also sent hard copies via USPS. I have tried emailing XXXX XXXX about issues relating to the loss mitigation process, and aside from the one email she sent requesting documents she has been unresponsive. Due to a XXXX that impacts my ability to understand and vocalize speech, I require that any communications be in writing, and am unable to call any of the numbers I have been provided for loss mitigation assistance. This is a reasonable accommodation I have requested from both the loan 's owner, as well as Shellpoint, and if they are not responding to emails this will have an adverse impact on my ability to receive loss mitigation assistance.
Product: Debt collection

I am submitting this complaint against Security Credit Services , LLC regarding their handling of my debt and their reporting practices to credit bureaus. The following issues have occurred : Failure to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) : Despite my formal request for validation, they have failed to provide sufficient documentation. Specifically, they did not produce proof of the legal transfer of the debt, a detailed breakdown of the current balance, or evidence of their legal right to collect on this debt. 
Their response was incomplete, failing to meet the standards outlined in the FDCPA for validating a debt. 
Improper handling of my personal data : Security Credit Services obtained and used my personal information without my explicit consent, in violation of the California Consumer Privacy Act ( CCPA ). I never authorized the transfer of my personal information from the original creditor, XXXX, to this collection agency. 
Misreporting to credit bureaus : They continue to report this account to the credit bureaus without sufficient validation, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting an unvalidated debt harms my credit score and causes undue distress. 
Potential operation without a license in California : XXXX XXXX XXXX has not confirmed that they are licensed to operate in California as required under the California Financing Law ( XXXX ). If they lack the necessary license, their collection activities would be unlawful. 
I have requested that they cease all collection activities and remove the debt from my credit reports until the debt is fully validated. However, they have not complied with these reasonable demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX XXXX XXXXl in 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, credit repair services, or other personal consumer reports

XX/XX/XXXX I requested that the unverified ( Chapter XXXX Bankruptcy Acct # XXXX XXXX be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have submitted proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Equifax is required by law to provide me the Business name,  address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. 

This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Equifax verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Equifax that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. TransUnion was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.
Product: Credit card or prepaid card

Hello I had an Victoria Secret Credit Card account, of 2019 I closed it no longer wanted it It is all Paid in full but i am still getting Late fee Charges, and it is getting Billed to my Credit report.
Product: Credit reporting or other personal consumer reports

XXXX sent letters indicating loan in forbearance and current to all 3 credit agencies yet each one still shows my accounts delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be clear I have no issues with my credit card companies services in any way shape or form. Sadly I can not simply go through the major credit bureaus to remove a hard inquiry any more I must come here. I have a Citi XXXX XXXX  XXXX  in which I am quite pleased with. Unfortunately, there is a double entry hard inquiry for my card on my credit reports with the major bureaus. It is for the same exact date and card. I just want one of the inquiries removed as it is a duplicate, and hard inquiries affect my credit score for 2 years. I wish I did not have to come here to do this as I stated I am quite satisfied with the services I receive.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This item is not mine and I do not have nothing in common with this account. ITs not mine and I d not want to see this item in my credit report. I do not recognize it and suddenly it appeared in my profile. I ask you to investigate howcome I have it in my profile. And who could use my personal data. And of course remove it after you check.
Product: Vehicle loan or lease

I'm not sure that my lease contract is being fulfilled properly, I feel like I'm going to pay more than I should, I just signed my contract yesterday.