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

A {$200.00} Vanilla gift card was given to me as a gift and there was a XXXX balance the first time I tried to use it - I called and got a case # but there are hundreds of not thousands of reports that this is their standard operating procedure- they steal your money and do not return it-
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries damaging credit score XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, inquiry date : XXXX, XXXX 2023
Product: Credit card or prepaid card

Ive been working on improving my credit for months now, and I responded to an opportunity by a credit bureau to get a new card. It said that it would NOT have any effect on my credit, but it DROPPED XXXX points immediately and Im furious. Just yesterday, I was notified that it climbed by XXXX points. After this today, it dropped XXXX and I want to know why. If it can be reversed, Ill take it. Ive done without cards for 9 years, I can continue. I want good credit. I feel like Ive been screwed. Call me or e-mail me with explanations. XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Product: Vehicle loan or lease

I had to take my car in because i was having multiple issues wirh it. I vocolized this within the three month period XXXX XXXX with no results from it. But then as i drove it multiple more issues happened. And that was after the 90 day term. I was very confused and upset Bout all the issues i started to notice. I continued to XXXX  the vehicle to. Mechanic with out any income of the situation. Then i resorted to looking in my owners XXXX. And thwre i found an invoice stating the the electrical issues needed to be assessed. I have it on the invoice from the XXXX XXXX. Which inturn could have been the whole problem from the start. So trying to fix it drained all my means to pay the payments. So i defaulted and tried to access the website to email them and my account was locked. Then they repossessed the vehicle.
Product: Mortgage

Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property
Product: Credit card or prepaid card

Purchased card approx 2 weeks ago, value {$20.00}, at XXXX XXXX in XXXX, MS . Tried to activate card online, using app on phone and by calling, no method works. Have repeatedly called company and been on hold twice for 1 hour plus and other times been told company can not take call. Can not access the $ which I urgently need and company does NOTHING
Product: Debt collection

I initially sent a series of letters to the debt collection agencies. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
Please see attached documents of proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
Product: Student loan

My federal loans are serviced through AES and XXXX XXXX they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and I since then completed a rehab program and have been paying on time yet every month on my credit reports all bureaus they are reported as 120 days late and they are reaging this on my report every month
Product: Debt collection

XXXX XXXX XXXX XXXX claims I owe XXXX to Sunturst, this account was closed with numerous overdraft fees charged which are in dispute, Suntrust would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused Suntrust account to become overdrawn and fees charged. Stop payment is not my error, however, Suntrust refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXX XXXX to Suntrust. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears Suntrust did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, XXXX XXXX XXXX needs to remove account from collections as well as any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made every payment on this Wells Fargo account on time and I was assured of this because the payment arrangement was made via WF " auto-pay '' system.I was told that due to a glitch I their own system a payment was not recorded properly and I now was showing a late payment on my and my husband 's ( XXXX XXXX ) credit records. I had believe them when they discovered it and said they were responsible for it, yet they have never corrected the late payment on mine or my husband 's credit files with the ( 3 ) credit bureaus.
Product: Credit reporting or other personal consumer reports

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} XXXX XXXX XXXX XXXX XXXX {$2200.00}. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I held a checking account with Wells Fargo during XXXXXXXX XXXX XXXXXXXX. I authorized a single payment to a merchant via my debit card. However, the merchant charged my card several times ( the same amount, minutes apart ) due to an error in the merchant 's system. The single authorized charge was about {$50.00} and the merchant made 12 transaction attempts that actually were processed, but it wasn't indicated on their part. I didn't realize the error charges until a day or two later. I called the merchant immediately and they refused to reimburse me. I even spoke with the owner who resisted despite the obvious error on their part. I was only left with one option which was contacting Wells Fargo and submitting a claim to reverse the charges. I thought it was an obvious fix, but Wells Fargo did not find reverse the charges. The recommendation was to resolve this with the merchant so the charges could be refunded. I shared my attempt to resolve this with the merchant to no avail. I even visited the bank in person and was told the same thing. They could not reverse the charges and contact the merchant for a refund. 

I had several ongoing issues such as illegitimate overdraft fees and random inexplicable charges from Wells Fargo on my account during that time. I attached a few of the emails from that time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report. 30 days later to the date, I have not received any responses from the credit bureaus. Under federal law, they have 30 days to complete my investigation.
Product: Debt collection

I spoke with the original creditor and Helvey and Associates in reference to my acount. They stated that my inactive. They stated that their system do not communicate the updates to consumer accounts. They also stated that Helvey and Associates can get updates on the account balance. Helvey and Associate Director of Compliance is aware that this balance is paid. This was sent to there general email correspondence. The issues havent been address in accuracy of reporting.
Product: Debt collection

XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. XXXX also advised me the account had been validated with my name and birth date. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? Verifying my name and birthdate is not legal validation of an account. The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau to remove unauthorized and unverified information on my credit report and they have not yet removed it.
Product: Credit reporting or other personal consumer reports

Experian and XXXX repotting incorrect information
Product: Credit reporting or other personal consumer reports

They have not removed or deleted any of the identity credit reports found.
Product: Payday loan, title loan, personal loan, or advance loan

While making payments, I discovered that I am being charged a ridiculous amount in fees when making payments for a loan I requested to help me and my gamely move. When making a {$180.00} payment on every occasion XXXX would continue indefinitely, every 2 weeks, they were charging me a " service fee '' of {$160.00}, only allowing {$20.00} to go towards my total loaned amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out today because XXXX XXXX recently bought a account from independent emergency physicia in a balance of {$310.00}. 
My complaint is I never gave permission for this company to buy my personal information. It is a violation of my hippa rights. 
This company holds information such as my name, address, medical services received and a list of other things that they illegally bought. 
With my Hippa rights being violated I am demanding that this company cease all credit reporting immediately to all 3 credit bureaus or I will seek damages.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, XXXX  and Lexis Nexus provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have became ignorant and negligent of the Fair Credit Reporting Act and have been claiming that the information the Credit Bureaus report are accurate and verified by the creditors. Well, I have had enough of their fallacy and I am taking advise from my legal counsel and we are ready anytime to file a lawsuit against the Credit Reporting Agencies. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I have not received any response from the Credit Bureaus and they have been continuing to report the disputed accounts as accurate. Once again, I am ordering the Credit reporting agencies to remove the following accounts completely from my Credit File : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  inquiry XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XX/XX/year> has violated my XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXXl # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 reporting, credit repair services, or other personal consumer reports

After careful review of my personal credit, i noticed two accounts on my credit from XXXX opened in XX/XX/2017, and Navy Federal XX/XX/2017 that i have no knowledge of. I have disputed these two items all to no avail. As a practical matter, i have filed a police report and submitted numerous affadivits In support of my claims. I would appreciate it if you would carefully investigate these fraudulent accounts and have them removed from my credit reports..
Product: Credit reporting or other personal consumer reports

it was brought to my attention recently that I have several late payments that I had no idea about. I was never sent proper statements prior to the payment due date 15 U.S. Code 1666b. I never received the information in section 1637 ( b ).

I have also attached screenshots of how the accounts are even reporting and its all inaccurate.

The bureaus say they are verifying the information but how is that possible with all different dates. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 state I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have requested verification in writing from XXXX XXXX and Midland Credit Management and have yet to receive a validation of the debts and each have been reporting inaccurately on my credit reports. This has caused me to experience discrimination when being considered for housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$0.00} NMAC XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2900.00}