23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XX/XX/XXXX Received gift card XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : {$3.00} Inactivity service fee deduction XX/XX/XXXX : Called phone number on back of gift card to activate it I was under the impression that service fees against inactive cards is illegal and supposed to have been corrected after the CARD Act in XXXX was passed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit file. I am a victim of a data breach, and these items were not authorized by me. 
Fraudulent Account : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from XXXX, XXXX and Transunion immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Product: Vehicle loan or lease

I asked for ninety day extension they gave me thirty days which only turned out to be two or three weeks. Then they charged me again and started to call me two to three times a day I have been out of work for two months or more now their calling my mother 's number and other numbers I'm not associated with I have a XXXX XXXX and I can't take this XXXX with them no more I know I'm backed up on the bill but this is ridiculous and I never gave them other numbers I'm angry and hurt by them they are Ally auto financial
Product: Credit card or prepaid card

My account with Synchrony has been paid in full and has been closed. Synchrony was to credit my account and clear a balance for charges that were added to my account in error via a card protection subscription that I did not authorize. Synchrony has left the balance on my account and has continued to charge interest on the amount that they agreed to credit in order to clear the balance. Additionally, this has negatively impacted my credit score because they are falsely reporting missed payments to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as 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

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX COLLECTIONS XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX : {$680.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/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 COLLECTIONS XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX : {$680.00} INQURIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed inquiries that do not belong to me when I reviewed my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I was negatively affected by the XXXX XXXX XXXX. I called American Express as soon as I realized I wouldnt be receiving paychecks regularly. I continued to keep American Express updated and make payments. I was told by several American Express agents that because my account history with them is excellent that if i continued to make payments I would not have negative reporting for my two platinum cards. When I became employed again, I advised American Express that I was never reimbursed for lost wages from the shut down and I had to get a new job. I now have a new job but Id need some time to catch up. I was told that the Amex personal platinum is more time sensitive for credit reporting and the business platinum wont reflect late until at least 60 days late. I paid XXXX in the last mint to avoid negative reporting for the personal platinum card. I can pay the ENTIRE balance of both platinum cards and blue cash everyday in ten business days from today. To my surprise, contrary to what I was told by American Express reps, my card was closed, cancelled and reported to the bureaus as delinquent. With my new job ( security clearance ) this is a huge problem for me. I want to set up an automatic payment for the entire balances, have the accounts reopened ( they should have never been closed ), and my credit reporting of negative deliquent status removed immediately. Im very upset. Ive spent tens of thousands on this card and paid on time prior to the shut down only to be treated like this. I spoke with XXXX in Arizona at headquarters and he promised me Id get a call from the supervisor XXXX yet I have not received a call yet in the promised time. I need this handled immediately. All cards were canceled yet I paid on all cards to avoid this as I was instructed by the reps.
Product: Credit reporting or other personal consumer reports

I am reporting Experian because there is not a name reporting on my credit report and this is a violation of the FCRA. My name is XXXX XXXX and this should be added to my report immediately. How are you accurately reporting anything under my dob or ssn without a valid name? I will attach my credit report to show that Experian does not have my name on my credit report. Furthermore, I sent dispute letters to Experian informing them of invalid accounts on my credit report. It is very obvious that your credit reporting is questionable and not credible. I am requesting that the following accounts are removed from my credit report due to either being incorrect or unverified : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$3200.00}
Product: Mortgage

Fifth Third Bank not reporting my mortgage payment history to credit bureaus even though I am making monthly Pmts on time this has caused damage to my credit score! And has been going on for years! This mortgage was not included in XXXX bankruptcy the mortgage was reinstated! I have been making on time pmts since but this is not being reported to major credit bureaus 1972 fcra act started this incorrect and inaccurate and must be corrected!
Product: Credit card or prepaid card

I have a CitiAAAdvantage card that I have had for over 30 years. Never a single late or missed payment. Always pay off my balance every month. When it expired on XXXX XXXX I was informed the card was not being renewed and I would get a letter in the mail. The letter stated that my card was not being renewed because I had either a write off on another City card or I filed a bankruptcy somewhere along the line.. Both of which are totally false. They cancelled a Universal citi card that I had since XXXX  several months earlier when it was up for renewal for the same reasons!! I spoke to numerous reps from citi to no avail. I was told send copies of my credit reports to the citi credit complaint department, which I did. You do not get to speak to someone from that department to get a straight answer! 
My credit scores are over 800!! I have never made a late payment in my life including 2 current mortgages on my 2 homes 2 leased vehicles and several credit cards! I have no clue what they think they are seeing on my credit report but they refuse to tell me even after I sent them copies when I was told to do so by one of the numerous phone reps I spoke with.. I want a REASON why I am being put though this!!
Product: Debt collection

XXXX {$9700.00} XXXX XXXX XXXX XXXX  DEBT COLLECTOR IN XXXX OF XXXX  I GAVE MY CARETAKER A 2-MONTH NOTICE THAT I WAS MOVING OUT IN XXXX OF XXXX BECAUSE I DIDN'T FEEL COMFORTABLE I FELT LIKE I WAS BEING DISCRIMINATED AGAINST SHE WILL PICK WITH ME ALL THE TIME SHE WILL GIVE ME NOTICE OF EVICTIONS ALL THE TIME EVEN WHEN THEY ARE LATE PICKING UP MY RENT I WILL GET A LATE FEE AND I WILL GET EVICTION NOTICE THEY HAVE A DROP BOX IN THE LAUNDRY ROOM THAT I ALWAYS PUT MY MONEY ORDERS IN AND BECAUSE SHE WAS LIKE PICKING IT UP I WILL GET WROTE UP FOR IT I FELT LIKE I WAS BEING TARGET ALL THE TIME MY KIDS FELT SO UNCOMFORTABLE BEING THERE SHE WILL CALL MY KIDS XXXX XXXX EVEN THE SCHOOLS THAT MY KIDS WAS GOING TO WAS BEING VERY XXXX TOWARDS THEM FROM THE HIGH SCHOOL TO THE MIDDLE SCHOOL TO THE ELEMENTARY SCHOOL THE LADY I WAS WORKING FOR XXXX XXXX SHE XXXX XXXX XXXX TOWARDS ME I JUST DIDN'T FEEL SAFE SO I WANTED TO LEAVE AND I ALSO INFORMED HER THAT I'VE BEEN IN A XXXX  XXXX RELATIONSHIP FOR THE PAST YEAR AND I NEED TO LEAVE AS SOON AS POSSIBLE SHE TOLD ME THAT I HAD TO GIVE HER A TWO-MONTH NOTICE BEFORE I CAN VACATE THE PROPERTY AND THAT'S WHAT I DID MY XXXX  CALLED ME AND TOLD ME THAT HE WAS ON HIS WAY TO MY HOUSE TO XXXX XXXX SO I HURRY UP AND GATHER ME AND MY KIDS THINGS AND I LEFT XX/XX/XXXX OF XXXX I MADE SURE EVERYTHING WAS CLEAN WASH DOWN WALLS I DID EVERYTHING THAT I WAS SUPPOSED TO DO XXXX OF XXXX I RECEIVED A DENIAL LETTER FROM A LANDLORD SAID THAT I OWE A PROPERTY {$9700.00} NOW I'VE RENTED FROM PROPERTIES IN THE LAST 3 YEARS FROM WHEN I LEFT XXXX XXXX XXXX SO I CONTACTED THEM TO SEE IF I OWE THEM THEY TOLD ME NO SO THEN I CONTACTED MY CREDIT AND THEY TOLD ME THAT I OWE XXXX XXXX XXXX I RECEIVED A FACT SHEET AND ON THAT FACT SHEET EVERYTHING ON THAT FACT SHEET WAS MARKED AS DAMAGED FROM THE CEILINGS TO THE WINDOWS TO THE STAIRS EVERYTHING ON THERE WAS MARKED AS DAMAGE AND IT IS NOT TRUE BECAUSE I WASN'T THERE TO DO A WALK THROUGH WITH THIS LADY THIS LADY MARKED EVERYTHING ON THE FACT SHEET AS DAMAGED BEFORE I LEFT THE PROPERTY SHE HAD FIXED MY DISHWASHER SHE MARKED MY DISHWASHER AS DAMAGED WHICH WAS A LIE WHEN I FIRST MOVED INTO THE PROPERTY SHE TOLD ME THAT ONCE A TENANT MOVE OUT THEY REPLACED THE CARPETS SHE'S TRYING TO CHARGE ME {$5000.00} FOR FOR CARPET HOW IS YOU CHARGING ME {$5000.00} FOR CARPET WHEN YOU TOLD ME WHEN I FIRST MOVED IN THAT THEY REPLACED THE CARPETS AFTER I MOVED OUT ALL OF THESE CHARGES ON HERE IS SO FAST AND I FEEL LIKE SHE'S TRYING EVERYTHING IN HER POWER TO MAKE ME PAY FOR SOMETHING THAT I DON'T OWE THIS IS NOT FAIR AT ALL AND I'M STEADY GETTING DENIED FOR PLACES BECAUSE OF THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX three  times including today XX/XX/XXXX to request them to update the account with the credit beaurers  as the account has been closed and settle. They inform me that the account has already been reported to Transunion, XXXX, and XXXX as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.
Product: Mortgage

In XXXX  I started a short sale process with Wells Fargo, because the value of my home was less than I owed, and I had become married, and had XXXX children and needed to leave my small one bedroom apartment. 

Unfortunately, I had persistent capacity problems with Wells Fargo for two years, which was awful. 

I went into the process of a short sale with Wells Fargo, after having my house on the market for 18 months with zero offers, I decided to pursue a short sale. 

However, after two years in the short sale process with Wells fargo, I was appalled at Wells Fargo 's improper handling of my case. There was constant turnover with regard to who was handling my property, every time we seemed to have movement, the person responsible for my case transitioned, and I had to start over. I received incredibly absurd requests in the processing of documents for Wells Fargo, for things like making my signature darker, or having a signed letter on company letterhead as to why my two pay periods a month are not always on consistent days. This incompetence led to three offers ( for within hundreds of the entire amount of my loan with Wells Fargo ) falling through. 

I had a short sale realtor, and a short sale attorney and was still paying my HOAs so the property remained in good condition. All of my paperwork was in place, and there was an offer for three months ), and Wells Fargo was unresponsive. 

I enlisted managers and others to be involved, and I kept copious notes on process. I finally received an ok to proceed, almost three years after the process initiated, all the while still paying an attorney and HOAs. 

I believe I should be a part of the settlement identified here : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX But I have not been contacted by Wells Fargo despite outreach .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Experian and XXXX about this matter, however they have only responded with a templated letter stating they verified. But I requested they provide me details of how the claim to have verified and to whom they spoke with and the contact information. To date I never received this information. The accounts associated are 1. XXXX XXXX XXXX  XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX  Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX  Account Number : XXXX I do not know the details of these items which is why I requested the method of verification from the credit bureaus. 

My attorney guided me to filing this complaint. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my consumer report with XXXX, Experian and XXXX through certified mail. I received my investigation results in the mail and all the information I disputed was STILL inaccurate AND incomplete. I called XXXX today ( XX/XX/2023 ) and the woman with XXXX was very rude and did not want to hear anything I had to say about inaccuracies. I requested that I be sent proof of the procedures they used to investigate my dispute in a separate communication and upon continuing to argue with me, she hung up on me before the problem was resolved. 

It is to my understanding that by law, when being disputed, these consumer reporting agencies are supposed to put in the comments of each account on my consumer report that " this account is in dispute and are being investigated ''. Only XXXX did that on their report. XXXX and Experian never put that in any of the comment section ( s ) of any of the accounts in question. Payment History is inaccurate for each account amongst all three credit reporting agencies ( XXXX, XXXX, Experian ). The furnishers on my credit report have not responded to me about charge-offs and they've never sent me 1099-C forms. I believe the companies at hand are committing tax fraud. Multiple furnishers do not even have permission to report my consumer report. I have requested to be opted out of such reporting and to please give me the necessary documents to opt out of them reporting to these agencies asap. 

15 U.S Code 1681a ( 2 ) ( A ) ( i ) suggests that transaction ( late payments ) and experiences ( utilizations ) are to be excluded from consumer reports. We, the consumers, are entitled to privacy and 100 % complete accuracy. I believe these third part agencies ( XXXX, XXXX, Experian ) are failing to protect our privacy and personal information. I never gave them or anyone furnishing information on my consumer reports permission to share my information with anyone. All of my negative accounts, late payments, and utilization needs to be deleted at once amongst all credit reporting agencies ( XXXX, Experian, XXXX ). Multiple Hard Inquiries are on my consumer reports without my consent and after disputing are still not being taken off. 

Furnishers of my personal information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting without my consent. 

Experian, XXXX, and XXXX are failing to verify accurately and to uphold their standards of accuracy. They are negatively impacting the livelihood of countless consumers and should be held accountable for the incredible amount of damage they are doing. They fail to realize that us consumers are the ultimate furnishers of information.
Product: Debt collection

XX/XX/2022 XXXX XXXX  Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me three times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company each month since XXXX. I have contacted XXXX and Experian as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to XXXX that this is an unsecured loan and reporting to Experian that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.
Product: Checking or savings account

I am writing in final exasperation regarding my accounts with Chase Bank, which have been affected by identity theft with my wife and I. We were victims of identity theft, and filed police reports, FBI reports, FTC and idetheft.gov reports and have had all disputes ruled against us. Our account is XXXX  XXXX overdrawn, and is scheduled to be closed on Saturday. We do not know what to do, and have been told that we can not lose an account of receive damage to our bank accounts or credit because of identity theft. Please advise how to proceed. We can not afford an attorney at this time, we are both exhausted and overwhelmed.