23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This is the 3rd prepaid card sent to me unsolicited with my name preprinted on it. The documents contained in the envelope states it's ready for activation. I have called NetSpend multiple times requesting my name and information be removed from their system. I expressed my desire to opt out of future solicitations. The rep confirmed I would no longer be receiving these cards. On XXXX I received another prepaid card with account number listed and name printed on card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for Experian, XXXX and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Calls and rext about relief from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which was not report by the courts. As told on phone we don't supply info to credit bureaus.
Product: Credit card or prepaid card

Back in  XXXX     2015 I r ented a car from  XXXX . My credit limit was {$300.00}. When I returned the rental they told me I did n't owe anything. When I check my credit card I was charged {$1200.00}. I told them I did n't authorize a  XXXX
Product: Student loan

In early XXXX, I was being garnished by a law firm called " forster & garbus ''. I changed jobs and did not know the garnishment wouldn't switch over automatically. They did not contact me and immediately started garnishing my mother 's income at over $ 600 monthly. I tried to contact them to arrange payments and they would not speak to me or work with me to arrange payments. They also placed a lien on my mother 's house for {$60000.00} in late XXXX and never notified her about it. She recently went to refinance her house and found out about it. Her and my stepfather were going to refinance their house in order to assist with their finances to prepare for retirement and now they can't. These is completely unfair to them and incomprehensible considering this law firm would not even speak to me to arrange payments.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C. 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 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 that 7 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 the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, WF CRD SVC add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On XX/XX/2020. 

A person that was trying to serve me papers harassed my family and I. They left legal papers outside my doorstep and not in my hand. They were outside the apartment building asking neighbors where I lived and then was Stalking from the outside looking in to my door.
Product: Debt collection

On XX/XX/2021 account open for the amount of XXXX with XXXX XXXX XXXX. And on XX/XX/2021 collection account was posted on my credit for same amount of XXXX. I have filed a fraud dispute on this. The collection company named orions management group was contacted 3 times to take this off my credit report. They have unwilling to do so. After I have said the number or the social security number don't match my identity. But someone used my name and address. So they put this debt on my credit. I also tried to contact XXXX XXXX XXXX  but they don't exist anymore. So I'm here to get help with you.
Product: Checking or savings account

A debit is withdrawn from my Bank of America XXXX XXXX  Checking every three months ( quarterly ) of {$81.00} payment made to life insurance policy that also recognizes me presently as an attending college student. I believe the XXXX and / or XXXX XXXX XXXX XXXX XXXX and Bank of America has been uninformed or unaware of my presence in attending this new college campus, as a welcomed XXXX XXXX to XXXX XXXX and tuition cost I presently am undertaking as owed and am unable to afford and pay with regards to their XXXX XXXX Financial Aid Office of {$5600.00}, as of XX/XX/2022. My complaint is in reference to allowing and letting Bank of America, as my financial bank institution know that as a consumer of a PLUS Account I have been admitted as a XXXX XXXX to XXXX XXXX at XXXX and any assistance they might be in assisting me pay back a student loan to the XXXX XXXX Financial Aid Office, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report this morning, and Im not sure why. I checked my report as usual, but this time there were unexpected discrepancies. I even tried refreshing my browser in case it was a glitch, but the inquiries remained. Im urging you to review the documents Ive submitted so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Health care provider did not submit bill to insurance properly. I ALWAYS pay all copays at time of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe TransUnion unfairly decreased my credit score by XXXX points on XX/XX/2022 due to a zero balance on a recently closed student loan. This adverse action negatively affects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX -credit card was changed off in XX/XX/XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I paid this account in full and was settled by court. Still showing on my credit report. I need this account deleted ASAP from my credit repost.
Product: Checking or savings account

RE : axos bank ( former XXXX XXXX XXXX ' bank ) Complaint : Our family has two checking accounts with this bank. We have attempted to close both accounts via secure message and chat. axos bank notifies us by letter that our accounts are 'dormant ' and must be 'activated '. We have followed their instructions closely to 'activate ' our accounts, but axos bank provides no feasible method of 'activation ' ( eg. we try to login, but login has changed with bank name change, so we then try to create new logins, but can not create logins until account is 'activated ' ). We have called customer service, who are not helpful in 'activating ' our accounts to then close them and send us our money back by check. Feels like 'big bath accounting ' with the name change to axos bank...
Product: Debt collection

XXXX  XXXX was contacted by me and the representative said she would remove this collection from my credit report and its still there. They was told of my identity theft
Product: Checking or savings account

XX/XX/2023 I deposited cashiers check in the amount of XXXX in person. 

XX/XX/2023 Chase check/deposited department verified the cashiers check with the remitter, issuing bank, and attorney. 

XX/XX/2023 Chase informed me although they verified the funds they will not release my funds until XX/XX/2023. Chase escalation representatives stated my cashiers check may return, so to protect the bank from loss, they will hold the funds. 

Chase is withholding my funds that have been deposited and verified from the remitter, issuing bank, and attorney. 

This is a violation of my civil rights, consumers rights and banking law. FDIC protects all funds so therefore Chase should not be withholding my funds. 

I have attempted to resolve this issue with the bank and I have been unsuccessful. This is my second step and attempting to release my funds. If this step provides no solution I intend on filing criminal charges against Chase. 

With your assistance I ask that you assist with the release of mt certified funds that are covered under FDIC. 

Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau used Oscar system instead of getting accurate information from XXXX bank Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX Bank and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.
Product: Mortgage

In XXXX Wells Fargo XXXX XXXX into becoming default on my mortgage, and then refused to help me, and stole my home. 
When I first asked for assistance and proved why I needed it, they told me I would not qualify for a loan modification until I was in active foreclosure. 
They suggested that I become default on my loan, and then they could help me. I did what they said, and then they told me they wouldnt help me and I didnt qualify. At that point they informed me that I needed to pay all my back payments along with late fees. 
Obviously I could not do that since I was begging for a loan modification in the first place. 
These conversations were recorded, and when I asked them to please go back and listen, they told me they wouldnt unless I had the exact date and time of call. 
Wells Fargo set me up to steal my house, and at the time I complained, but they continued to lie and the complaint was closed. 
Apparently they were recently sued for these very practices that I am speaking of. I would like to see if my situation can be added to the lawsuit as it is very clear now that they were setting people up to fail, and I was one of them. I lost my house and had to file for bankruptcy because if it. 
Thank you for this consideration.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to temporarily unfreeze my frozen credit file at Experian online and on the phone. Their systems do not work. I tried multiple browsers and repeatedly tried their idiotic phone system. You can not get to speak to someone. It took me less than 2 minutes to unfreeze at XXXX  & XXXX  but the Experian systems are intentionally horribly unhelpful and unuseful. It's time this company gets some overdue attention from you. 

A recording saying you can unfreeze it by mail is completely unacceptable. This process is supposed to be user friendly so people can easily and timely manage their credit freeze. Experian is a horrible company.
Product: Mortgage

My monthly mortgage payment has been scheduled for auto-payment for years. On XX/XX/2019 I logged into my mortgage account at Flagstar Bank , FSB and discovered that auto-payment had been terminated without notice, resulting in late fees and a hit on my credit report. I investigated the issue and discovered that auto-payment was terminated because Flagstar attempted to withdraw funds one day earlier than normal resulting in NSF fees and cancellation of auto-withdrawal, but Flagstar failed to notify me about the cancellation. 

I contacted Flagstar to remedy the issue and they agreed to refund a late-payment fee and re-instate automatic withdrawals. However, on XX/XX/2019 I logged into my Flagstar Mortgage Account and discovered another late mortgage payment and additional late fees. I investigated the issue and discovered that auto-payment was in fact terminated, and despite Flagstar 's previous representations, auto-pay could not be re-instated at that time. Flagstar has refused to refund the additional late payment fee. This sequence of events would not have occurred if Flagstar simply notified its customers of auto-payment cancellation in the first instance. 

I suspect that Flagstar has adopted a practice of cancelling automatic withdrawals without notice to its customers to generate revenue through late fees.
Product: Debt collection

DCM Services called about my deceased husbands debt and threatened to take my home and car
Product: Mortgage

I have a second loan with Ocwen who referred my loan to a debt collector XXXX XXXX. I had been trying to do a short sale on my home because I can not afford to keep it and since the first loan is getting a complete pay off the representative from XXXX will NOT release my debt unless they too get paid in full. Ocwen has refused to talk to me and they keep on referring me back to XXXX. I have asked XXXX to show me proof of debt with them BUT they just keep on giving me the run around. Please help me move forward with the sale of a home that I can not keep and I do not want it to go into foreclosure. Ocwen # XXXX per XXXX customer service because OCWEN will NOT talk to me, XXXX ref. I.D # XXXX
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

These are not my debts. I am a victim of identity theft. 
I did not open, or authorize, these accounts. 
The information listed, regarding these accounts, which also appears on my credit report, are not my own. 
I have never lived in XXXX XXXX 
My name is not spelled XXXX XXXX. 
Someone has stolen my information during a data breach with XXXX, as well as, XXXX ( XXXX ). 
Someone has obtained my photo ID/Drivers License as well as my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

An attorney that was assigned to be my children 's advocate attorney in XXXX, continued to bill in spite of her lack of help for my children. I paid her retainers and monthly payments. My ex was responsible for half of all billings. He never paid his half. The attorney was dismissed from our case in XXXX. She continued to bill after. She then wrote off the debt and sold it to a collection agency. The collection agency then tagged my credit for {$28000.00}. The attorney write off was {$11000.00}. Bottom line, the amount billed is inaccurate, unjustified and illegal billing. The collection agency has been unwilling to work with me and take this off my credit, preventing me from buying a house. Further, I offered a debt settlement offer to gather an agreement to enable me to purchase a home and the collection agency was unwilling and extremely rude to come to any agreement. There are several complaints online about this collection agency and I believe it should be illegal for any collection agency to out anything on a consumers credit prior to obtaining a judgement that is awarded after proof from both sides is evaluated. I want this collector to be fined and made to get off my credit report to allow me to buy a home. Further, if I am unsuccessful in getting him off of my report, I will lose my escrow deposit and will be forced to file chapter XXXX. I need help to get this bully off my credit report and go about any further reporting after the correct amounts and agreements have been made. 
I have tried to dispute with the credit reporting agencies and the collector, XXXX XXXX keeps changing the dates and showing a ledger that is not accurate, justified or legal. He has put the collection on all 3 credit bureau reports.
Product: Debt collection

I was accessing my credit file and noticed the entry from Portfolio Recovery Associates was reflecting on my credit file. I do not know the company and the statutes of limitations have passed on the debt they are trying to collect. I do not owe this company as I have not done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the payment history and past-due balance with XXXX XXXX XXXX  for a Visa card Id opened. After investigating, XXXX XXXX XXXX agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the XXXX card, but my XXXX  and Experian accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The XXXX and Experian accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. 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

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 : Dept of Education XXXX XXXX XXXX, Account name : Dept of Education XXXX  XXXX has violated my rightsTransunion deleted one account but not the others they all belong to same account. 
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 to any containing any of the following items of information. Any other adverse items 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: Debt collection

To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by XXXX XXXX XXXX. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except Midland Credit Management. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by Midland Credit Management for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years. 

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  Account # : XXXX Amount : {$950.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$380.00} XXXX XXXX Account # XXXX Amount : {$570.00} XXXX XXXX Account # XXXX Amount : {$950.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this time frame. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX