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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At the end of XXXX, XXXX processed the sale of 2 tickets to a music concert. The person who attempted to sell them, my daughter who is a minor, did not have the authority to do so. 

I immediately contacted XXXX, who reversed the XXXX transfer ( I will attach copies of this transaction ), shut down the account, and informed me that all charges were waived. 

Recently I received a message from a debt collector, True Accord, attempting to collect this money that was waved in XXXX by a XXXX employee. so disputed this, which they then rejected. 

Today I contacted XXXX about this. They admit to having a copy of the phone conversation in which these charges were waived. My request for them to review this phone call was denied. I then asked to have a copy of the phone call myself, which they then declined. 

So, this company has proof that I dont owe them money, wont review it, and also wont share it with me, the person being recorded. I asked to speak with someone higher up, and was denied. I asked to speak to their fraud department, which was also denied. What am I supposed to do here?
Product: Credit reporting, credit repair services, 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 U.S.C 1681. XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. INQUIRIES that doesnt belongs on credit report. ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. ) 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 card

Follow up on complaint XXXX the company provided XXXX XXXX dollar fee but I was charged on XXXX dollar late fee and XXXX XXXX dollar late fee also me and XXXX needs the reporting of payment to the credit bureau reported as never late
Product: Money transfer, virtual currency, or money service

I was cheated out of thousands by crypto.com I was sold unregistered tokens that resulted in a loss
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, GA, XXXX
Product: Mortgage

ON XX/XX/2020, I, when online to inquire about the interest rate, to see if it was a good idea to refinance when Mr. XXXX XXXX, chated with me only and asked for some basic information and told me what rate was and I told him to run some number for me before I knew and without he pulls my credit and my husband credit without our permission, and he started an application for refinancing without our consent When I asked he he said that he thought he could do that I asked him when fid I told him I was going to refinance, he apologies but that does resolve the issued that they started a loan without our permission. I just received a discloser for a loan, I do not understand what this people are doing but I no interested for a mortgage. 
the lender is QUICKEN LOANS NEW LOAN NUMBER ( NO REQUESTED XXXX XXXX. AND NOW THERE IS A HIT ON OUR CREDIT AND WE HAVE RECEIVED MULTIPLE SOLISITAION FROM OTHER LENDERS AND WE DID NOT AUTHORIZE THEM TO MOVE FORWARD WITH THE LOAN THE LEDER LICENSES NO. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 i entered a consumer credit counseling agency called XXXX to pay off 7 credit cards and 1 loan. First payment was XX/XX/24. I paid XX/XX/24 Santander payment on my own .XXXX  sets this arrangement with creditors by a contract. On my XX/XX/24 statement, there was no change. On a letter dated XX/XX/24 from Santander they have accepted contract. On my XX/XX/24 santander statement there is a reflection showing my interest rate and loan monthly amount changed. On XXXX Santander says my account is 24 days overdue after agreeing to new proposal. I told them I would pay the XXXX asap. They said account was 24 days late.I paid them on their XXXX day that they said I wa late. I also spoke to a XXXX XXXX and he stated I would not be reported as being late. When I pulled my credit and saw I was on XX/XX/24 I called santander and told them to pull phone records from XX/XX/24 t/c to XXXX XXXX and they could not I included my XX/XX/24 statement showing you everything. They reported my account past due over 30 days. I beg of you help me I will not be able to get into XXXX  programs in my community because of this 30 day late post. I am trying my best
Product: Bank account or service

I received an offer from Citizens Bank for {$500.00} to open a checking account. I opened the checking account, met the offer requirements, and then waited for my bonus. Citizens has never paid me the {$500.00} bonus, citing " internal reviews '' every time I go to the branch to ask about the bonus or follow-up on payment. Meanwhile, I 've been charged {$20.00} per month in service charges while waiting for this bonus for approximately 8-9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS INACUARATETLY REPORTING FRAUD ON MY CREDIT REPORT. I SUBMITTED MY FTC AFFIVDAVIT OT THIS COMPANY VIA CERTIFIED MAIL OVER A MOTH AGO. Transunion signed for it, and received my ftc affidavit and refuse to removed the unauthorized fraudulent accounts on my report
Product: Credit reporting or other personal consumer reports

I originally loaned the car from US Auto Sales and they went out of business and sold to Westlake Portfolio. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted Westlake Portfolio to see why this is happening and only thing they tell me is I can contact US Auto Sales. I cant contact US Auto Sales because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to US Auto Sales because it doesnt allow me to log into their website anymore, its automatically transferred to the Westlake Portfolio website.
Product: Credit card

I signed up for the capital one venture XXXX credit card using a referral link that was sent to me. The sign-up promotion promised me XXXX bonus miles or points if I spent {$4000.00} within the first three months. I called on XX/XX/year> to inquire on the status of how much I have spent to date. I was advised that I had spent around {$4300.00}. However, I was advised that the bonus miles promotion was not associated with my account. I then asked to speak to a supervisor ( employee ID = XXXX ) and I was advised that the reason as to why I do not have this promotion on my account is because my credit was deemed as good '' and not " excellent '' at the time I applied. Im not sure how this is possible because my credit score would have been over XXXX at the time that I applied for this credit card. The only reason why I applied for this credit card and I have been putting all of my spending on it was because of the promise of the XXXX bonus miles if I met the minimum spend which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021,, XX/XX/2021.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally report that I have become a victim of identity theft, which I believe is a direct result of the XXXX XXXX breach. This unfortunate situation has caused significant distress and inconvenience in my life. 

Recently, I discovered unauthorized transactions and accounts opened in my name, which I did not initiate or authorize. After investigating further, I realized that my personal information, including my Social Security number and financial details, had been compromised due to the breach. This has not only affected my financial standing but has also caused emotional turmoil as I navigate the repercussions of someone else 's fraudulent actions. 

In response to this situation, I have taken immediate steps to mitigate the damage, including contacting my bank, credit card companies, and credit reporting agencies to freeze my accounts and monitor any suspicious activity. I have also filed a report with my local law enforcement agency and am in the process of gathering all necessary documentation to support my claim. 

I understand the importance of resolving this issue promptly and appreciate any assistance you can provide in helping me restore my identity and secure my personal information. 

Thank you for your attention to this matter. I hope to resolve this issue as swiftly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern all seven of my Sychrony Bank account was closed stating my accounts was high risk stating that the accounts will not be paid in a timely manner. But all of my accounts were paid never been late I tried talking to all the creditors and even XXXX  and was told there is nothing that can be done but this action that was taken was not right and it was not fair I worked hard to get my credit scores in the high 700s and now my credit scores are going to be lowered by this false statement made by the creditors and XXXX  these closed account will definitely destroy my credit scores that I worked hard for. The managers and even the workers at XXXX  are rude and they dont care about the customer. They just blame each other and provide not solution to problem.
Product: Checking or savings account

, the account is open but I'm am unable to login to my online banking and all of my online banking information my name is XXXX XXXX XXXX my social security number is XXXX birthday is XX/XX/year> mother maiden name is XXXX XXXX XXXX XXXX
Product: Student loan

I have contacted XXXX numerous times requesting detailed information regarding which qualifying payments I have made towards the XXXX XXXX XXXX XXXX program. I have only been given the total number of months that have counted, and many months that should have counted are missing, therefore I requested a detailed report on which months had qualifying payments. I first requested this information on XXXX/XXXX/XXXX and was told it could take up to 30 days. I called on XXXX/XXXX/XXXX to follow up, and was told by the customer representative it would take a minimum of 90 days. I asked to get this in writing and she could not, but connected me to the supervisor. I requested the same form from him and he said it could take at least 6 months for payment tracking. I called XXXX/XXXX/XXXX to follow up on the request, and asked if I could get a written report of what actions had been taken as a result of my inquiries to get this detailed report for me, however I was told I could not receive that information. The representative did tell me that a request on XXXX XXXX, XXXX was placed, however that request should have been processed within 60 days. 

Currently I am told I have XXXX to XXXX qualifying payments, however I estimate I should have at least XXXX payments qualify.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their failure to remove inaccurate information from my credit report, despite my previous disputes. The inaccurate account remains on my report in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require credit reporting agencies to maintain accurate information and promptly correct or remove any inaccuracies. 
Furthermore, if this issue is not resolved, I intend to pursue arbitration, which would result in substantial costs for Experian, including filing fees, administrative fees, arbitrator fees, and legal expenses. Under the FCRA, I am entitled to statutory damages for each violation, in addition to punitive damages and attorney fees if Experian 's non-compliance is found to be willful.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this issue. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to Wells Fargo Home Mortgage, XXXX, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to Wells Fargo, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either XXXX or XXXX as being late, that it was reported as an on-time payment. I contacted Wells Fargo by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and XXXX reports. Wells Fargo stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. Wells Fargo stated that I needed to submit the letter from Wells Fargo to XXXX and XXXX   for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both XXXX and XXXX will not correct the reporting of these two months. All Reponses state that both XXXX and XXXX confirmed with Wells Fargo that the payments were reported correctly. XXXX and XXXX completely ignored the letter from Wells Fargo stating there were not reported correctly. During the last dispute, XXXX   changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.
Product: Mortgage

Bank of America has never notified me that the loan application was denied nor the reason. I received confirmation that all required information was successfully submitted on XX/XX/2021. I received a copy of the appraisal for which I paid and it showed a loan to value of 55 %. We have high ( XXXX ) credit scores, stable income, and our debt to income ratio is 29 %. The only reason I can imagine is XXXX. I called and e-mailed several times to find out the status of the application but never received a reply. On XX/XX/XXXX, the loan officer finally responded with an email that it looked like to him the application was denied but did not give a reason. I want to work with another lender but can't until I can explain to that lender why the previous application was denied.
Product: Debt collection

After recently reviewing my credit reports. I have noticed a account I do not recognize. I asked XXXX  & XXXX  to investigate and verify a collection from " MOUNTAIN RUN SOLUTIONS ''. I have not received any response from the credit bureaus since XXXX regarding the investigation. I have asked the credit bureaus multiple times with no success. I have also reached out to Mountain Run Solutions, where I directly requested them to validate the debt ( show me proof that the debt is mine ). First letter was sent on XXXX, second one was sent on XXXX & third was sent on XXXX. No response from any parties involved. The collection account is also not showing in dispute, they are blatantly ignoring me.
Product: Credit reporting or other personal consumer reports

I have identified the following unauthorized inquiries, which I have not approved. These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX headquartered in Tennessee, along with their 3rd party debt collector, are trying to not only steal money from me, but are  ignoring my complaints. XXXX is a XXXX XXXX XXXX  treatment company in which I signed up for a half off discount on laser services. I only went for 4 XXXX and not only did they not work, I became XXXX and could no longer drive to XXXX. Also, with a compromised XXXX XXXX, I can't get XXXX  on my XXXX  yet they are still charging me {$75.00} a month. They have already sucked {$1000.00} out of my bank account and now want $ XXXX even though I stopped getting treatments over a year ago. I talked to the director of XXXX XXXX, and she told me she didn't know why they were charging me that much, yet she said she can't do anything about it. That is not the way to conduct business. I wrote the director again a couple of days ago because I found out that GreenSky has a class-action lawsuit against them and over XXXX complaints on this sight. Nobody is helping me. They are pretty much stealing from a low-income XXXX citizen.
Product: Credit card or prepaid card

On XX/XX/2023, I purchased a {$200.00} Vanilla Gift Card owned by InComm Payments at XXXX in XXXX, CA. A few days later, when I opened the card, I discovered it was damaged and had a missing CVC number, which prevented me from activating it and using the gift card. 
I called the XXXX number on the back of the card, and they confirmed that all the funds were there. They offered to send me a replacement card but insisted on obtaining a state ID or driver 's license before releasing my funds. I had proof of purchase and an activation receipt from the merchant, XXXX, as well as pictures of the damaged card. 
I informed the customer service representative that their website did not mention requiring a government-issued ID for a replacement. I also pointed out that providing personal identification information violated my right to privacy, as their policies did not guarantee the protection of my personally identifiable information or prevent its sale to third parties.

Despite my arguments, the customer service representative refused to provide a replacement card without a government-issued ID, claiming it was company policy. Frustrated, I called a second time and requested to speak with a supervisor. When I pointed out to the supervisor that the customer representative had misquoted the policy based on what was displayed on their website in section 10, and began reading the relevant section to her, she abruptly disconnected the call.