23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My card and id were stolen ; I was told to go to XXXX ( netspend XXXX prepaid mastercard ) and get another card which would be then added as an associated card. I then attempted to activate it as an associated cared on the account to act as a temp card ( they still had my temp card from over a year ago active on the account ande never deactivated once the permanent card arrived ). They closed both the stolen card and the prior associated card then went to create a " NEW '' account which then had verification issues. They then wanted me to send in information which has already been provided to them prior when there was unauthorzed carges on the account they deactivate. Then they wanted to charge me XXXX for an expidited replacement for the deactivated card, when I blew up and started asking for supervisor they then waived the fee ; however this still didn't provide me access to my funds as I am a diabetic and needed the funds for medications mainly insulin, I threatened that if I got XXXX  as a result would sue to which they transferred the mon XXXX to a XXXX wire transferee which sent me bounding around to XXXX locations as they wanted me to try different XXXX vendors ; which all failed due to my ID being stolen so I couldn't withdraw my funds. I then going into XXXX on the phone with them as hold times often exceeded XXXX minutes, the agent then informed me they would just cancel the moneygram and that I could get a friend to signup and then we could just transfer the funds to his account. I went back to per their instructions XXXX and attempted to buy another card which shows curently only XXXX to activate ; however they required a min deposit of {$10.00} which because they were holding my lawful funds XXXX I could not get access to mind you that they told me all I had to do was get the card nothing about a new deposit etc. The also didn't tell me about having a valid up to date id for the moneygram as since mine was stolen well that was impossible as could not get new ID because again they are holding my funds XXXX. When we got back from XXXX my friend/remate then activated the new card it said nothing about any restrictions on the card. I called XXXX back ; and both roommate and I were informed that they could not transfer the funds because there was a restriction on the acct that he would now have to wait for the permanent card before he could get transfers into his account. I started all of this at XXXX XXXX and at the time this complaint was filed it is XXXX : XXXX XXXX and still not resolved - this should have been a simple associated card to an account not opening up a whole new acct So I have paid for multiple " new accounts '' to be created and still do not have my money.
Product: Credit reporting or other personal consumer reports

Recently I XXXX XXXX did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX # XXXX Balance {$5800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Charge off {$3400.00} Date opened XXXX Experian XXXX XXXX # XXXX. 
XXXX {$3900.00} Date opened XX/XX/XXXX XXXX? XXXX # XXXX. 
Balance {$0.00} Charge off {$3400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$69.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$5800.00} Date opened XXXX
Product: Credit reporting or other personal consumer reports

I disputed a social security number on my LexisNexis consumer report I did not recognize on XX/XX/2023. A LexisNexis customer service representative said the social security number should be removed from the report since I am a US citizen, and should only have one social security number. I received a copy of the dispute on XX/XX/2023, and the wrong social security number was still listed on my consumer credit report number XXXX ; case number XXXX. When the investigation was concluded the customer service representative could not explain why the wrong social security number was not removed from my credit report. She said to call back and that it would be re-disputed. The wrong social security number on my LexisNexis report ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXXXXXX XXXX XXXX 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 XXXX, XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Verification Process and Immediate Removal of Disputed Accounts Dear XXXX, XXXX, Equifax I am writing regarding the accounts listed below, which I believe are being inaccurately reported on my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of all information reported on a consumers credit file. Therefore, I am formally requesting detailed information regarding the processes, procedures, and metrics you used to verify the accuracy of these accounts. 

Specifically, I request the following : A clear explanation of the verification process conducted for each account. 
The name and contact information of the data furnisher ( s ) you contacted. 
A copy of any documents or records provided to verify the disputed information. 
If you can not provide a detailed response or complete your investigation within the legally mandated timeframe ( 30 days from receipt of this letter ), I formally request the immediate removal of the XXXXXXXX XXXX and XXXX XXXX XXXX accounts from my credit report as per FCRA regulations. 

The continued reporting of inaccurate or unverifiable information is not only damaging but also a violation of my rights under the FCRA. 

Please provide a written confirmation of your findings or the removal of these accounts. For your reference, I have included supporting documentation to assist in your investigation. 

Thank you for your prompt attention to this matter. I expect a full response within 30 days, as required by law. Failure to respond adequately may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action to protect my rights. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ), has 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 or other personal consumer reports

I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. 
I have decided to just give up on trying. 
I spent the last XXXX weeks on the phone calling creditors with a XXXX  specialist, XXXX XXXX. Nearly all XXXX  from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. 
After we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney  XXXX  our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. 
Im sitting up at XXXX looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled " unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from months ago, and saying " we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single XXXX since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? 

Problem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised
Product: Credit card or prepaid card

I received my card in the mail today and when I called to activate it they told me the card was fraudulent and that I had to reapply. They said they called the owner of the account on the XXXX of XXXX and he said he never applied for a card. They did n't talk to me so I do n't know who they talked to but they are basically telling me I have to reapply which means I get another inquiry on my report and will hurt my score. They also put me on hold for over an hour then hung up. They can easily contact me again or investigate but they simply want me to reapply again which is damaging to my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX  XXXX {$3100.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the item, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : 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 Unauthorized hard inquires : 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 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  XX/XX/XXXX I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
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 USC 1681. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A. Section 2 : Also states that a Consumer Reporting Agency can not furnish an 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 ( 7 ) years.

15 U.S.C 1681 S-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: Vehicle loan or lease

On XX/XX/XXXX Consumer Portfolio received a payment of {$1800.00} that I requested be placed towards the principal payment. My following payment was not due until XX/XX/XXXX. The payment was applied on XX/XX/XXXX and {$1600.00} went towards the principal, {$8.00} towards the payment and {$180.00} towards fees which is not what I had requested when I sent in an early payment. I was not behind on my payment because it was not due until XX/XX/XXXX but they informed me that I had to pay this interest. They also stated I owed {$180.00} in late fees but I had previously paid my late fees. by XX/XX/XXXX I had given them {$5400.00} but only {$5300.00} was applied towards principle and interest. The rest was applied towards the late payments I had accumulated.
Product: Credit reporting or other personal consumer reports

I want to XXXX  that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Product: Debt collection

I had a balance that was already paid but ended up getting a collection notice for the same amount. The information that was reported was inaccurate.
Product: Money transfer, virtual currency, or money service

I paypal credit on my account. 

I used paypal credit to purchase business courses to help learn new skills and make ends meet for my family as I had my XXXX child XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. So we could not pay as we would have wanted to. Due to the pandemic and unemployment, my wife and I were scrambling to make ends meet so we were not able to pay on time from XX/XX/XXXX to XX/XX/XXXX. 

XXXX and XXXX starts it in XXXX but XXXX in XXXX. 

So Paypal closed the account without letting me know. I've had a long history with paypal and used their services throughout the years. 

My wife and I have started our own businesses to try and make ends meet. The reason there was a gap in paying for 3-4 months was because survival was our focus. I had a brand new baby and my priority instead of paying the credit back was to provide for him and my wife. 

In order for me to continue to do business and expand, I would need credit cards but because of the late payments and closure of the account, I am not able to open or qualify for business credit cards. I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?
Product: Money transfer, virtual currency, or money service

Money was deposited in my account in XXXX. They have a hold on my money for over 180 days. I need the funds released to me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I am requesting that 
the following accounts be blocked and deleted from my credit report as they were fraudulently 
opened without my knowledge or consent. This request is made pursuant to XXXX XXXX XXXX(a) and FCRA  605(b).
Fraudulent AccountsXXXX 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: Debt collection

The company of which is calling me, calls 3 times In a row at a time, will leave 30 second to a minute long voice mails, not saying anything and not claiming who they are what they are calling about.