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

Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : XXXX XXXX said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX  XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX 4.XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PO XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6.XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. This account below has fallen off twice due to the statute of limitations being this account is more than XXXX years old. Arizonas statute of limitations for debt is only XXXX years. The credit bureaus has allowed the collection agency to refurnish this account twice back to my credit report. This is a direct violation of my consumer reporting rights along with multiple other violations pursuant to 15 USC 1681. I demand this account be removed and deleted from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX
Product: Credit card or prepaid card

XX/XX/XXXX between 0900-1000 hrs., while working from home, I get a call from someone saying they are a XXXX XXXX XXXX XXXX they have located a " flag '' in my recently purchased XXXX laptop . He explains the issue using a lot of computer verbiage and says he can repair it remotely and that it needs repaired immediately. I was about give them a credit card number when my husband walked in. I handed him the phone, since I was working, and he walked out of the room talking with the technician. My husband eventually hangs up on him and tells me to cancel my card. I call the number on the back of the card ; report the fraud call ; cancel the card and I'm issued a new one. 

Later that afternoon, I get an email from XXXX saying that an order for {$600.00} worth of XXXX XXXX gift cards had been declined and I will not be charged. 

XX/XX/XXXX I get my credit card statement and it has a {$600.00} charge on it from : XXXX Giftcards. 

XX/XX/XXXX I report it to Chase Fraud Recovery via both a phone call and an email. 

XX/XX/XXXX Chase send an email saying the charge was " valid '' and I am responsible for paying it. 

XX/XX/XXXX I send another email to Chase Fraud Recovery telling them that I didn't make the {$600.00} purchase. 

XX/XX/XXXX Chase Fraud Recovery sends another email again saying the purchase was " Valid '' and I am responsible for paying it. 

XX/XX/XXXX I call XXXX Giftcards and explain what happened. They agree to investigate it. 

XX/XX/XXXX I get an email from XXXX saying " we were unable to locate any charge or charges to your XXXX card. '' They suggest we contact Chase to file a dispute.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Put what you think would be a fair resolution to the issue My address Correct is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. US DEPT ED XXXX Balance Owed : {$7900.00} US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Mortgage

The complaint against Wells Fargo Bank that gas been ongoing since XX/XX/2016. 
I have tried numerous times to resolve this matter to no avail. 
I have included all receipts, deposit slips, payment stubs, documentation of my numerous attempts to resolve this matter, an their never ending denial of their responsibility for this. They have changed the so called reason for the payment being applied, me being given a receipt for the payment, yet it was denied 2 days later. I have included letters of various excuses an also letters of Foreclosure to My XXXX yr old Dad, who lives on a fixed income an very ill. He has Always paid his bills an on time. 
This is not acceptable, as I stated The Original Complaint is Attached, i mistakenly deleted it while taking screen shots of all the documents, but luckily I screenshot the Original complaint as well, an it is the first screen shots sent. 
Thank you for your time an consideration.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Experian have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX be delete immediately from XXXX, XXXX, and Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

Caine and Weiner have sent me a debt collection letter me regarding a non-existing debt for $ XXXX XXXX XXXX I contacted XXXX XXXX twice, on XXXX and XXXX XXXX, XXXX and they confirmed i did n't owe them any money. Caine and Weiner refuse to close the account, and insist that XXXX XXXX referred the debt to them.
Product: Credit card or prepaid card

I have a vehicle fleet card program with  FleetCor.  They have made it very difficult to pay on time, which triggered numerous fees which have been extremely difficult to remove.     In   XXXX   XXXX     customers were unable to access their bills online, supposedly due to a computer upgrade. As FleetCor stopped sending bills, customers had no access to bills. Because bills were not paid, FleetCor started charging Fees, such as " High Risk '' Fees, " Late Fees '' -- and what I consider usery interest rates, Even Though FleetCor was at fault for not providing bills.     These fees continued to accumulate and reached in excess of {$1000.00} by the end of  XXXX . While my fuel bill was approximately {$1700.00} per month, for a total of approximately {$5000.00}.     I was patient at first because I received messages from FleetCor not to worry that they provide credits for late fees. BUT no credits arrived.     I Called in  XXXX . I was on hold for over an HOUR --  Yes  over an hour. I finally got a hold of a person in a call center who spoke poor English who had to then reach a supervisor to apply the proper credit to my account. Guess what, the following month, Not all the credits applied, But all the additional fees kept piling on.     So I called in  XXXX , and the call center answered and were unwilling to apply any credits. I was furious. I told the person that I wanted to cancel my account. That triggered my call to go to a " customer advocate ''. So, it was not until I threatened to cancel my account that I received someone willing to help me get credit for all the Late Fees that piled on. She was extremely gracious, removed all the late fees and even allowed me to pay my gas bill on the spot. I then cancelled my account with FleetCor feeling their deceptive practices does not deserve my business and went to  XXXX , their competitor.     I find  FleetCor  's tactics fraudulent, doing whatever they can to accumulate late fees. I had trouble with them in the past, where checks that were sent ten days in advance were not posted into their account until after the due date, triggering late fees.
Product: Credit reporting or other personal consumer reports

My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for XXXX XXXX and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a XXXX I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's XXXX to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven
Product: Money transfer, virtual currency, or money service

Have been a PayPal client for 5 years with this specific account and no issues until XX/XX/year> when they switched to AI platform, and even boasted on better security. I am in XXXX and started noticing bogus fraud charges around the world ( have screenshot all and the below ). I only use PayPal for XXXX XXXX, XXXX and XXXX. I was constantly locking and unlocking the PayPal XXXX XXXX after the date above. Some bogus charges would cancel out or correct and refund the bogus charges to the balance. On XX/XX/XXXX at XXXX XXXX I noticed a bogus charge for " XXXX '' with no purchase email that is standard with PayPal for both buyer and seller. It simply came on XXXX notice. I was logging on and off the account panicking, but it already stole {$890.00} from the balance. I filed an unauthorized charge days later and the card was cancelled. I was under the impression that PayPal would correct this absurd charge ( like the others ) as A- There was no address or contact or invoice give nor am I an XXXX ( fraud/scam ) customer. B- They have NO products for {$900.00} C- In the following days they tried three more times ( I locked card ) at the same price {$890.00} clearly showing this card or card number was compromised and more fraud was attempted. I did everything I could do as a PayPal customer to stop all the frauds and recover this single {$900.00} charge back. They wrote that they investigated and that " I was in the account so I approved '' which is nonsense as I was in the account trying to stop anymore bogus charges and they have failed me and all business customers are protected under their bogus buyer protection. I contacted XXXX and there is no record of any sale for me. I have joined the XXXX victims on XXXX with similar stories and they are complicit or enjoy making money off frauds on top of large fees.
Product: Debt collection

This debt collector keeps calling for someone else that isn't me. I have told them this at least 10 times, I have even called back and recorded telling them they have the wrong number. I have also told them that I have had this same number since XX/XX/1998 so they have very bad information and they need to stop calling me. They call me one to two times per day, early on the weekend and incessantly despite me telling them I am not the person they are looking for. I need them to stop calling.
Product: Debt collection

I had an account with XXXX which terminated in XX/XX/XXXX. The account was changed to my daughter in law when I moved out. I told XXXX to send me a final bill for payment. I did not receive a bill, so in the beginning of XX/XX/XXXX I contacted them again, they said they had no record of the account, and said it must have gone to collections, and would have to wait to hear from them.In XX/XX/XXXX I still had not heard anything from a collection agent or XXXX so I called XXXX again, again I was told to wait. By the beginning of XX/XX/XXXX I checked my credit report and there was a derogatory mark on my credit report for a bill from a collection agency for XXXX, and it was for more than triple the bill. I have contacted both XXXX and Credit collection services to try to correct the matter, and neither will do anything other than demand payment. I already had this removed from my credit report once, and then it reappeared this month. I'm hoping you can help me, it would be nice to be treated fairly. I don't think that's asking to much. 
Thank You. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Unauthorized charges were made to the card and the XXXX XXXX refused to reverse the charges stating there was inconsistencies with my application form I sent them.
Product: Money transfer, virtual currency, or money service

I settled my Wells Fargo Card for {$5600.00} whereas they are failing to acknowledge my payment and misreporting to the credit bureaus, I have all proof of payment my bank statement which also includes the payment made to them a month ago, I am not able to buy a house due to this, they call me up after a month and are like we haven't received your payment whereas I have all records and a letter sent out by them that I have cleared it.
Product: Credit card or prepaid card

The credit card company charged me a late fee which I paid on XXXX I phoned them and was given confirmation number XXXX on receiving the next bill. 2 late fees were given even though the bill was paid 4 days before it was do and there were plenty of funds in account.
Product: Debt collection

I have just received a collection of {$700.00} on my credit report from National Credit Adjuster. I am and was not aware of this debt at all and nor was I given any notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three credit cards with U.S. Bank that were paid in full and closed in early 2018. I then submitted a letter that I have a copy of because when I called and they have a record of my phone calls they said I had to submit the letter in writing which I do. I did not close the account and a relative who is deceased use the card I moved and by time I found out about it they said it was too late to dispute. Us bank promise me that they would remove it from my three credit reporting agencies they have not done that they have said very rude and remarks that are discriminating against me, they have provided wrong information as well and refused to correct it.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to address a pressing issue regarding the accuracy of information on my Credit Report maintained by Equifax. It has come to my attention that despite a previous deletion of disputed information due to fraud by another Credit Reporting Agency ( CRA ), Equifax has failed to reflect this correction in my file. 
On XX/XX/24, I received correspondence from XXXX confirming the deletion of the following account from my credit profile after it could not be verified. 
XXXX XXXX XXXX account, This action was taken in accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, upon my request and as mandated by federal law.

As per the aforementioned procedures, I have ensured that all data furnishers associated with this account, as well as any other Consumer Reporting Agencies involved in the dispute, are duly notified of its deletion due to their failure to substantiate its validity. 
In compliance with federal regulations, I have attached documentation verifying the removal of this disputed account from my credit file, as well as evidence of its deletion by another CRA. It is imperative to emphasize that continuing to report this erroneous account on my Equifax credit report constitutes a direct violation of my consumer rights under federal law. 
I implore Equifax to promptly rectify this oversight by removing the disputed account from my credit report without further delay. Failure to do so may result in further escalation of this matter, potentially leading to legal action or formal complaints. 
Your urgent attention to this matter is greatly appreciated. I expect timely action and resolution to ensure the accuracy and integrity of my credit report as mandated by law. 
Thank you for your cooperation in addressing this matter promptly. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was opened on following date : XX/XX/XXXX, and have continued to be reported for date opened XX/XX/XXXX for balance of {$1000.00}. This is inaccurate date reporting and balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. Experian, XXXX, and XXXX failed to investigate this account properly afterI repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX Account number # XXXX amount {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQURIES ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THESE INQURIES SHOULD BE REMOVED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}