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

A {$500.00} prepaid gift card was purchased from the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. In addition to the card value, a {$5.00} fee is also charged. Upon attempting to register the card at on their website at XXXX on XX/XX/XXXX, to be utilized on line, the card showed that all funds had been utilized. I immediately checked the transaction history for the card and saw charges that were not conducted by me or my wife. We immediately contacted the card company utilizing the number on the back of the card of XXXX and started a dispute claim. We were given a claim number of XXXX. They also blocked all access to the card so that we no longer have access to the charges in dispute. We were unable to make a police report without access to the charges. We were told a representative would contact us in 3-5 days, but that a resolution could take up to 90 days. After not hearing from the company in the 3-5 day time frame, I called them again on XX/XX/XXXX. At that time I was told we were given wrong information by the first representative as they do not follow up by phone. The representative told me that all of our paperwork had been received, and that we would hear something by mail within 90 days. I received a letter on XX/XX/XXXX. The letter stated that they had made a final determination on our claim, dispute claim # XXXX. Based on their investigation they concluded no error occurred, therefore no funds would be credited and the matter is considered closed. We are reaching out to them and requesting that they reopen the case. The card does come with a U.S Bank Gift Card Cardholder Agreement ( Effective XX/XX/XXXX ). Section 6 of said agreement lists their Zero Liability policy. The Zero Liability section states " You are generally protected from unauthorized transactions. However, if you do not tell us within 60 days of he date of the first transaction you believe to be unauthorized you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money had you told us on time ''. The first unauthorized purchase was made on XX/XX/XXXX. We reported the unauthorized purchase on XX/XX/XXXX. This is well under the 60 days in this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX account will not report to TransUnion. I have called the card issuer and TransUnion. Please report the account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from credit report
Product: Credit reporting or other personal consumer reports

Called Transunion and spoke with a female on XXXX. Indicated to her I'm requesting for all collections listed on my credit report removed as it serves no benefits to me whatsoever and damaging information. She informed me to call next day XXXX as XXXX stated he received no request and had to reverify my personal info 3 times to Transunion. He refused to do anything and said he cant. Very rude and didnt want to help I informed him According to TIL and FCRA my rights and privacy. Transunion did not have my authority to disclose these negative items nor did I sign or authorize any legal documents with such Collections companies, that I do not owe a debt to. Transunion did not obtain or receive consent or used for proposes that are not allowed by law. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p must be removed. Mi also opting out of all secondary bureaus holding any negative information must come off reported by Transunion
Product: Checking or savings account

XX/XX/2021 I received a notification that a checking account was opened with my name, using my social security number, and DOB. Whoever used the incorrect address which is one of my old addresses. The Occupation is incorrect, along with the employer and job title I immediately contacted WELLS FARGO to let them know that I did not apply for a new checking account and I want this reported and investigated. 
I was notified several years ago about my information being exposed from several agencies including WELLS FARGO. Please let me know what I need to do to make sure whomever this person is they are not able to access or create any new accounts with my name or use my information in any way. 
Thank you
Product: Credit reporting or other personal consumer reports

This complaint arises from Navy Federal breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ NAVY FEDERAL CREDIT UNION ]. 
As part of this agreement, Navy federal issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. 
XXXXXXXX XXXX XXXX XXXX XXXX defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note. 
Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298. 
Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 
3-301. 

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
Navy Federal refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603.

It falls upon Navy Federal to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX Living Trust. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid
Product: Debt collection

After being contacted via phone by their office and made aware of this alleged debt, I contacted Power Company regarding this account. I paid {$460.00} directly to XXXX XXXX and received a tracking number ( MTCN ) # s XXXX and XXXX for my payment. 

I sent a letter on XX/XX/2018 notifying them the account has been paid in full to the original creditor and therefore they must stop all collection activity on this account. This includes, but is not limited to, phone calls, letters or negative reporting to the credit bureaus. 

They are still reporting it.
Product: Credit reporting or other personal consumer reports

After multiple attempts to correct my credit file with Equifax, I am submitting this complaint. The agency - XXXX XXXX XXXX XXXX  XXXX ), obtained old information ( 2009 ) from the now defunct XXXX XXXX ; post-bankruptcy. Subsequent to filing disputes, this information has already been removed from both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on DEPTEDXXXX  Student Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my DEPTEDXXXX  student loan account, as reflected in my credit reports provided by XXXX and Equifax. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : XXXX XXXX XX/XX/XXXXXXXX  ; Equifax XXXX XX/XX/XXXXXXXX  Date Reported : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXXXXXX  Balance Owed : {$0.00} Account Status : XXXX XXXX Closed ; Equifax : Open Payment Status : Late 120 Days ( both bureaus ) Payment History Discrepancies : XXXX : Late payments ( 90 and 120 days ) reported from XX/XX/XXXX to XX/XX/XXXX. 
Equifax : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While XXXX and Equifax report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : XXXX reports the account as closed, whereas Equifax lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( 15 USC 1681b & 15 USC 1681c ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from XXXX and Equifax, indicating noncompliance with 15 USC 1681s-2. 
Requested Action Given the documented inaccuracies, I request the following actions be taken : Immediate investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within 30 calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

This. company National Credit Systems appears on my credit report for {$390.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Debt collection

Call today, XX/XX/22 XXXX pdt to the XXXX prefix. 

I have no unpaid debt and I never have had any. I have lived at the same address for over 50 years so if there has been a bill from someone that is unpaid it would never have been sent to me. 

I get calls that I do not answer from Portfolio Recovery Associates from a variety of numbers several times a month that I don't answer and they never leave a message. After researching who they are and knowing that they are not a legitimate collection agency I never will answer, and I will continue to block their numbers but it is still a pain and it has been going on for over a year. 

By the way I worked for a Consumer Reporting Agency that also owned a collection agency and I know there is a right way to do the business.pi
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTIY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE PURSUANT TO SECTION XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received my credit report from Transunion. It included the following incorrect information : XXXX XXXX XXXX collection balance of {$900.00} date opened XX/XX/XXXX This item has already been disputed and taken off my credit report. However on, XX/XX/XXXX, I received notifications from XXXX XXXX, that you have put this same account back on to my credit report after the disputing and investigation process was completed. 

If an item is deleted, the credit reporting agency can not put the disputed information back onto the credit profile. There was no re-investigation sent to me to notify me that this was investigated after the results were sent to me to confirm deletion. Also, this item was deleted over 30 days ago, which falls out of the limits to put back onto the credit report. 

FCRA regulations specifically state, in rare circumstances if the credit reporting agency accepts a reinsertion by the furnisher, they are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion. I have no received anything and it is XX/XX/XXXX. 

transunion must delete this account off my record
Product: Money transfer, virtual currency, or money service

I invested {$52000.00} with a company by PayPal, I have a contract. Now the company denied me, they didnt give me my money back, it was a scam, So i contacted with PayPal and I claimed for refund, PayPal has failed to acknowledge it. I told PayPal management on the call that they failed to protect and do any thing about the scam PayPal has their buyer protection, I think i am eligible for this, I field my claim within XXXX days, But they denied my case
Product: Checking or savings account

I received an email from Chime stating that an account was opened using my email address. I called chime and they were unable to use my email address to confim an account without providing them my personal information such as name, DOB, and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I've been in communication with Citizens Bank regarding the excess amount they are requiring as the beginning balance for our escrow account causing a shortage of approximately {$2900.00} when we already had an escrow balance of {$1500.00}. According to the regulations provided at closing the required amount for escrow is XXXX or XXXX of the amount needed. A starting balance of over {$4000.00} is about 40 % of the needed escrow funds. We find this to be excessive. 

I've reached out to the bank and questioned this as well as asked them to rectify. However, I keep being advised the " Office of the Chariman  '' is researching and will get back to me. The last phone call on XX/XX/XXXX I was advised they were still researching and I would be contacted on XX/XX/XXXX stating the Office of the Chairman had resolved the issue. I replied stating that I am not aware of any resolution and restated my concerns of the excessive escrow balance being required and referred to the Real Estate Procedures Act. Unfortunately, as of today, XX/XX/XXXX, I have not received any sort of response, update, or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten Experian to look at a settlement agreement and showed the the person XXXX XXXX XXXX claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling Experian that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in XXXX XXXX XXXX story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in XXXX XXXX XXXX claim and removed them on their own and have not allowed their info back on my report.
Product: Credit reporting or other personal consumer reports

I reported fraud with identitytheft.gov. I have not used my social security number to open any accounts. I went on my credit report because I was denied an auto loan but was confused on why I got denied because I shouldn't have anything on my credit. I looked up my credit report and I seen 3 accounts that I never knew about or authorized. 

I have a apple card account that was not made or authorized by me. It was opened XX/XX/XXXX and it is a total of {$210.00} dollars. Also it is a XXXX XXXX XXXX  account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of {$510.00} dollars. Lastly it is a XXXX XXXX XXXX account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of {$910.00} dollars.
Product: Debt collection

I am filing a complaint against SIMON 'S AGENCY INC ACOUNT # XXXX & XXXX the ORIGINAL CREDITOR : XXXX XXXX XXXX. I wrote to them on XX/XX/2020 for validation they received the letter on XX/XX/2020. They responded back on XX/XX/2020 past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. 
I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. 5 ) They also fail to tell the following so they have no claim to have me pay this : Show me that you are licensed to collect in my state Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action.
Product: Debt collection

a company called portfolio recovery has been calling my number virtually every day since 2006 if not longer. My son has asked them to stop calling and I have done the same. When my son warned them of the laws, the calls stopped for a few weeks then began again.
Product: Credit card

Citizens Bank used my credit info to deny my wife 's application to upgrade her XXXX phone. My wife decided XX/XX/2016 to use the apple upgrade portal through apple computer to get a new phone. Its her account only. Nothing to do with me. She entered her personal info ( not mine ) in the application. When it came time to pay the XXXX fee to upgrade she used my XXXX card. Somehow by using my XXXX card it triggered Citizens Bank into pulling my credit report twice. They denied her application by using my credit. i did n't authorize it. She did n't authorize it. No personal info of mine was shared. I 'm not a client of Citizens. They are getting people to apply for credit without them knowing. Its a FRAUD!