23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Well first of all let me say that i think that all credit agencies are wrong, XXXX and bias!! They allow companies that they know nothing about to things on your credit report and does not consult with the consumer regarding if its correct information or not!! And that is not right!! And then the consumer has to fight to get it all their credit report!! That is totally wrong!! But the credit bureaus do not care one bit!! And if you are non white they will do everything in their power to keep your credit score down!! Example : This company XXXX/XXXX  that i had an account with that was closed back in XXXX was able to just appear on my credit report as open after 15 years!! How is that possible?? What happens to statue of limitation?? These crooks was able to lie and say that my account had been open for 15 years and i made a payment on my account XX/XX/XXXX which is a TOTAL LIE!! They could not ever send me proof of the payment or any payments!! And this company don't have to send proof to the credit bureaus regarding payments?? They are allowed to just say i made a payment and the credit bureaus allow these crooks to put this on my credit file??? WHAT A BUNCH OF XXXX XXXX XXXX XXXX 

How wrong is that?? Then when i told this company to close this account that was closed back in XXXX these no good XXXX credit bureaus Equifax and XXXX  took my credit score down 17 points!!! And that XXXX XXXX Agency is the most XXXX wrong credit monitoring service in america!! Im sure it just a matter of time before they get sued and shut down!! Nothing but XXXX crooks!! And they did not even wait 30 days to do it like they usually do to update my credit report!! They took my credit score down the same day it was close!! And it should have never been open in the first place!! Again this company XXXX/XXXX  has no proof of any payment being made since XXXX!! Why are they allowed to put this on my credit report and the credit agencies don't asked for any proof of payment?? Where is the proof?? Why is this allowed??? 
This is so wrong and should be investigated!! Its sad how people can just screw your life up and nothing is being done about it!! WHY IS THIS ALLOWED BY THIS XXXX BIAS UNFAIR CREDIT AGENCIES? One thing that i know and that is that karma is real and all of these XXXX no good crooked credit agencies will pay dearly someday!! Its just wrong and shouldn't be allowed!! But nobody cares until it happens to them and it will!! So just remember that you reap what you so and GOD doesn't like ugly
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently obtained a copy of my credit report and noticed that my address and phone number are incorrect, in violation of the FCRA.

My correct address is XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX and I have attached a copy of my recent utility bill as proof of my correct address. 

I request that you remove the incorrect address and phone number from my credit report as soon as possible, in compliance with the FCRA. I understand that the FCRA requires you to investigate my dispute within 30 days and notify me of the results. 

Thank you for your attention to this matter.
Product: Mortgage

I purchased a Condo in XX/XX/XXXX with XXXX financing. In XX/XX/XXXX, the complex sustain major fire that condemned my section due to asbestos spill and again in XX/XX/XXXX and displaced 50 % of the complex. In XX/XX/XXXX, I file an application with loss mitigation for 6 month forbearance on my payments. It was approved in XXXX. I have proof of approval via two letters by XXXX. In the months that my loan was in forbearance, XXXX reported to my credit report late payments for the months that my loan was in forbearance ruining my credit by over XXXX points which has cause stress and accounts to be closed. They have even send my loan to collections. I have contacted the XXXX for the last month asking them to fix this but nothing has been done as of now. I have that documentation to prove my case.
Product: Credit reporting

There were inquires that were removed then put back on my credit report without notification
Product: Checking or savings account

My debit card was stolen by this man who told me his name was XXXX and he somehow knew my pin and stole around {$500.00} before I shut down the account and told him to give it back or police will be involved and that its already shut down so he did. I have contacted both Chase Bank and the police about this, police arent doing anything about it and Chase thinks that I am either scamming them or something. I told them to look at the cameras to see it is clearly not me taking the money which they then said the police had to but it was in a Chase Bank using their ATM but they are refusing to check the footage. They gave me around {$200.00} of the stolen money back just to steal it from me a month later. I called about it today when I found out and this lady was very difficult saying the same things like to contact the police even after I told her I did, and that the investigation team didnt think it was actually stolen. She was becoming increasingly more difficult until she put me on hold for her boss that I am on hold and have been on hold waiting for over an hour and a half. If anything, I would just atleast want the {$140.00} from the chase ATM that they can clearly see it was not me. The bank is seeming to ignore me now. When I first called about the card it was within 24-48 hours after the card was stolen and nearly {$500.00} was gone, the lady told me that the bank will do everything they can to return my money, returned less than half of it just to steal it back without notice. The new lady said that the money was temporary to begin with but I was never told that before it was taken. I am afraid they are going to take out more money illegally that was never stolen to begin with and make up an excuse for why and give me no real evidence. Thank you for your time and help I am very upset about this happening.
Product: Credit card or prepaid card

XX/XX/2018 - filed complaint # XXXX Called Rep twice, XXXX XXXX @ XXXX XXXX, Rep never returned my calls Reading the response to my complaint # XXXX, paragraph 6 of the Summary of research is incorrect and it appears that the investigating repignored or " cherry picked '' all of the recorded calls I had with XXXX credit card reps. Specifically, there was no mention of my XX/XX/2018 conversation with XXXX credit card supervisor, XXXX in XXXX, who told me on XX/XX/18 that the {$100.00} promotional credit would be posted to my XXXX XXXX credit card account.
Product: Student loan

I am currently on the extended graduated repayment plan with Mohela. I was placed on this plan during Covid forbearance. Once payments were scheduled to begin, I requested the switch to the standard repayment option so that my payments would qualify for PSLF. I made the request online in my account in XX/XX/2023, followed up by multiple phone calls and emails. My account was placed in administrative forbearance in XX/XX/2023 with payments scheduled to resume in XX/XX/2023. The repayment change has still not been made despite multiple calls to Mohela and assurances that the repayment change will take place within 48 hours.
Product: Debt collection

Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : 8 am 11 pm EST Closed on major U.S. holidays XXXX Reported on XX/XX/XXXX {$11000.00} Dispute Reasons Accuracy : This account is too old to be on my credit report. 
This account is closed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX T

o Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be removed immediately. Unauthorized Credit Accounts to be Removed
IMMEDIATELY : XXXX XXXX Acct # : XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX, UT XXXX Subject : Request for Reinvestigation of Account Reporting Inaccuracies To Whom It May Concern, Dear ALDOUS AND ASSOCIATES, I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : ALDOUS Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This account is not mine, Please remove from my account immediately. As mandated by credit reporting laws, it is imperative that all information reported to the credit bureaus is accurate and fully correct. The obligation to maintain the integrity of credit information is a cornerstone of consumer credit rights. It has come to my attention that there is a discrepancy in how this account is reported across the three major credit bureaus. Specifically, a " PAID COLLECTION '' is reported on ACROSS ALL BUREAUS however, there is no account number associated with the record, and the balance has been adjusted twice. This inconsistency raises questions about the accuracy of the reported information. Furthermore, you are reporting this item as a " PAID COLLECTION '' which is erroneous and untrue. Please validate and provide proof of any payment via receipt of payments that you claim have been made to you. Of which I know factually that you can not because I have not made a single payment towards this debt, AS IT IS NOT MINE! Given these concerns, I respectfully request that you remove the inaccurately reported COLLECTION from my credit report IMMEDIATELY. Ensuring accurate reporting is crucial for upholding the fairness and integrity of credit information, which significantly impacts consumer 's financial opportunities. I appreciate your prompt attention to this matter and look forward to your cooperation in resolving these reporting discrepancies. Please inform me of the outcome of your investigation at your earliest convenience. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  CRE - XX/XX/XXXX XXXX  CRE - XX/XX/XXXX XXXX  FIN - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  FIN - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  CRE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  ATL - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  CRE - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  FIN - XX/XX/XXXX XXXX  - XX/XX/XXXX 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: Money transfer, virtual currency, or money service

XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via XXXX in order to process my submission. After they approved the application, they requested {$1000.00} sent via XXXX as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via XXXX before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via XXXX. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} XXXX request. I did not send any additional money and filed complaints and disputes with my bank, J.P. Morgan Chase, the FTC, New York 's Attorney General 's office, and XXXX on XX/XX/23. None of the aforementioned parties have contacted me since.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with XXXX financial institution. I currently have XXXX commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. XXXX 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with XXXX the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.
Product: Credit card or prepaid card

I opened my mail today and recieved a debit mastercard from Brinks Money, which I never applied for. Had my name on it as well as my  current address.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) regarding a dispute I raised regarding a public record, specifically reference number XXXX, which is listed on my ARS consumer report. On XX/XX/XXXX, I mailed a dispute letter challenging the accuracy of this public record. ARS responded to my dispute on XX/XX/XXXX, verifying the public record information. 

I respectfully disagree with the results of the investigation conducted by ARS, as the information in the public record is not accurate. The discrepancies include but are not limited to : XXXX. The Primary Debtor 's name is listed as " XXXX XXXX XXXX XXXX, '' which is not the correct spelling of my legal name, " XXXX XXXX XXXX. '' XXXX. The zip code for the XXXX XXXX 's address is listed as XXXX, which does not correspond to my correct zip code. 
XXXX. There is an entry for " XXXX XXXX XXXX XXXX XXXX' which I do not recognize and is not associated with me. 
XXXX. Under the bankruptcy detail, the bankruptcy chapter is listed as " XXXX XXXX a '' with a date of XX/XX/XXXX. I am not familiar with this information.
Product: Vehicle loan or lease

Our XXXX XXXX XXXX had a mechanical malfunction, my car was holding water somewhere in the body and on XX/XX/XXXX my car flooded out and all the electronics malfunctioned, I could not get the car out of park, we did get it to a Nissan Dealership in Indiana where I was stranded. We tried calling Nissan multiple times and they would not get back to us so I had to put a claim in with my Insurance Company and had to buy a new car in Indiana so we could get home. I shouldn't 've had to put a claim on my own Auto Policy for a Nissan mechanical problem that I had nothing to do with.
Product: Credit reporting or other personal consumer reports

I have reported inaccurate information to a credit bureau agency for 12 consecutive years, and the information reappears more often than it should. I am trying to close a mortgage, and this negative information is impacting my ability to close and costing me {$1500.00} each day that I can not transact business. 

My credit score dropped significantly after I worked hard to keep my file clean and cheerful. This bad reporting is causing health issues related to stress because I keep having to pay penalties for inaccurate credit reporting information.
Product: Checking or savings account

My husband and I have a savings and checking account at Ally. We opened these accounts XXXX years ago roughly. My husband passed away earlier this year. On XXXX or XXXX, I called Ally Bank along with my eldest son to have my husband 's name removed from the accounts and add my son, so he can help me with my finances going forward. Ally was okay with this, but asked for us to type up a letter stating my intentions, send the death certificate and fill out a application. My son and I did everything they asked and faxed the documents over to the number they provided, the same day. On XXXX, my son and I called to check on the status of everything we requested and put into motion. We also had some questions about some money transfers we initiated days earlier. I needed money in my personal checking account at XXXX bank and I was trying to XXXX my son {$8.00} to reimburse him for something he purchased for me out of his own pocket. These transactions were flagged and upon asking about why, we were sent to the fraud department. Once with the fraud people, things took a turn for the worse and we were flagged for doing fraudulent activity. Despite the fact I was an account holder and answered all their questions, they still flagged us. The woman started suspending the two accounts, accusing us of fraud repeatedly, and then hung up on us. We immediately called back and spoke with another fraud dept. woman and she gave us the same story. She told us she couldn't do anything because the accounts are flagged for fraud and the investigation is ongoing. We asked how long this would continue for and she said, there are no guidelines for this. We asked to speak with a supervisor, but this never happened. After about XXXX minutes of being on hold, she said the supervisor would call us in XXXX. This call never happened. I am a XXXX XXXX XXXX woman and other than social security income, all of my saved money is now stuck at Ally Bank. I can't login to see the money and have nowhere to go.
Product: Credit card

XXXX XXXX is selling prepaid gift cards that are not able to be used at merchants. They are supposed to be good at any merchant that takes XXXX XXXX, and the transactions are always declined no matter what amount the transaction is for. I believe the transaction decline is by design to deliberately make it difficult for customers to use their gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
Experian and XXXX  are stalling and I know that they are, happen to frequent.
Product: Credit reporting or other personal consumer reports

I was leasing a XXXX XXXX XXXX that got totaled out and my insurance XXXX supposedly paid off the balance to XXXX XXXX a total of almost XXXX Dollars I went to numerous XXXX XXXX and was told the account was paid and closed yet according to my credit score I have a late payment history and potential negative payments If the bank was paid how is it still showing this. It was supposedly paid off XXXX days after it was totaled in XXXX of XXXX  The vehicle only had XXXX miles on it and the police report said it was a XXXX which I questioned and was told it didn't matter the name. Please help me fight this scam. As I have been forced into homeless by all the lies.