23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have been paid on a debit card issued through my employer since I started with the company. On approximately XX/XX/XXXX, I realized that I had lost my XXXX debit card ( owned by Comdata ) for her paycheck ending in XXXX and reported this to my boss. I received a new card ending in XXXX on approximately XX/XX/XXXX ( which is when the first charge to this account was made ). I was not made aware of any fraudulent activity and was under the impression that my previous card had been disconnected as it was lost. 

Towards the end of XXXX, my card had declined on a couple of purchases I attempted to make. I initially assumed that this was the timing of my paycheck as well as some charges that I thought might have been to this card related to the XXXX XXXX  of my dog. 

I brought up issues with her card with my employer in XXXX. My boss began researching what had happened with her card and provided me with a list of transactions, as well as helped me with logging in to XXXX which I was never aware I needed to do previously. On XX/XX/XXXX, I was able to log in and dispute the charges made to the card ending in XXXX. 

The total disputed from XX/XX/XXXX, through XX/XX/XXXX, XXXX, there are XXXX charges totaling {$18000.00} ; there is one credit of {$9.00} and XXXX fee charges for declined transactions amounting to {$91.00} that were caused due to unapproved activity on my account. 

I was very surprised that this was never flagged or alerted to her as potentially fraudulent activity going on, or my card declined or any other action taken as in the approx. 11 months prior ( XX/XX/XXXX, XXXX XXXX, XXXX ), there was only XXXX transactions totaling {$10000.00}, of which {$4500.00} was spent on auto repairs and gas to go to work, {$4000.00} was spent on XXXX and other XXXX XXXX bills, and {$2300.00} was spent on grocery and other misc. charges. I had never had any spending pattern of some of the luxury stores that purchases were made from, made far fewer purchases than were being made in that time frame, and more was spent in a month than I had spent in a year. 

Initially, when charges were disputed, a police report had not been filed, upon realizing the extent of the issues, I filed a police report on XX/XX/XXXX, to include the disputed transactions with the XXXX XXXX XXXX Police Department, event number XXXX From the period of XX/XX/XXXX through XX/XX/XXXX I had been in contact with a resolution specialist with Comdata. My initial disputes were declined, and they stated to provide additional proof. I provided a letter from my boss confirming that I had reported the card lost as well as the police statement. I was told these would be reviewed and I would be responded to. After the couple of months of following up with no response, I began looking for an attorney who could assist. This has not worked and eventually our legal clinic provided the information to make a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency violated FCRA, 15 U.S.C. 1681i by failing to conduct a reasonable investigation of disputed accounts. Despite providing clear evidence that the accounts were fraudulent the accounts were not removed from the credit report. This failure constitutes : Non-Compliance with Reinvestigation Obligations : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any item disputed by the consumer within 30 days. No adequate reinvestigation was performed, and the disputed information remains on the credit report. 

Failure to Correct Inaccurate Information : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the consumer reporting agency must delete or modify inaccurate or unverifiable information after the reinvestigation. The failure to remove the fraudulent account despite proof of its inaccuracy violates this requirement. 

Violation of Notification Requirements : Under 15 U.S.C. 1681i ( a ) ( 6 ), the agency must provide the consumer with the results of the reinvestigation. The lack of timely notification about the investigation results further violates the statute.
Product: Prepaid card

I bought a {$300.00} American Express eGift Card and I can't use it anywhere online. It keeps getting declined. Tried insurance companies. Tried XXXX- which complained about the zipcode? I put in my home zip code. Can't use this egift card anywhere? Read online that lots of people are having trouble too. It gets declined everywhere.
Product: Debt collection

XXXX18 - received call from XXXX XXXX XXXX XXXX advising of past debt and stated they were pre-legal department and that if i did n't take care of the debt they were going to send to my states legal department. They continued to tell me this over and over and offered a lump payment to keep me out of legal trouble ... i declined and asvised them not to call me anymore.
Product: Credit reporting or other personal consumer reports

I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Student loan

I'm enrolled in SAVE and, for the past 3 months ( XXXX 2024 ), Mohela is sending me bills for $ XXXXmonth which I can't pay. I've been XXXX  for 2 years and I can not pay. I've tried to reach out and can not get a hold of anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time they allowed this fraudulent account to appear on my credit report after I disputed before and it was deleted. XXXX XXXX, states I owe {$340.00} dollars for an account I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX 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

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. 

XXXX, Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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. 

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 had an account with Wells Fargo since 2018 and my account was closing due to inactivity but there is a class action lawsuit against Wells Fargo that I think I qualify for
Product: Credit reporting or other personal consumer reports

My wife and I reviewed our credit reports and noticed we have XXXX XXXX listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has XXXX business days to respond to a request for method of validation for a XXXX We have TWICE requested this information within XXXX months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the XXXX  information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XX/XX/XXXXAccount Number :XX/XX/XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXX/XX/XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XX/XX/XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XX/XX/XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracyXX/XX/XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SYNCB Date of inquiry : XX/XX/2022 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

I found out that there are incorrect information 's on my credit report
Product: Mortgage

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where ( principal, interest, Escrow ) were check # XXXX funds applied, and why?
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : ** XXXX
Product: Credit card

I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined!
Product: Credit reporting or other personal consumer reports

I need support with the following inquiries that were made without my knowledge or consent and request that they be removed from my reports, as they appear to be related to identity theft. I have attempted to reach out for assistance but have not received any support. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the creditor has acknowledged this account as fraudulent and agreed to remove it from my credit report, I have noticed that your bureau continues to report it, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. I need this account DELETED from my file : XXXX XXXX
Product: Credit reporting

I previously disputed XXXX accounts to the transunion in XXXX, that was listed under this same company who has changed their name of XXXX XXXX and now calling themselves XXXX XXXX as a way to keep a debt that was closed in XXXX and discharged XXXX XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX XXXX XXXX XXXX XXXX XXXX Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX XXXX XXXX aka XXXX XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the transunion credit reporting agency and affiliates are still showing this as a collection on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report there were inquiries being reported on my credit report by Transunion. 
1XXXX/XXXX 4/3/19 2XXXX/XXXX  -- - 3. XXXX XXXX 11/21/18 4.XXXX XXXX 3/8/18 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Transunion is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Transunion is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Transunion Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

Again this company is using deceitful practices acts. I am getting letters in the mail every day from attorneys alerting me that a lawsuit has been filed against me. These are attorneys that want to represent me. I do not know what they are talking about, no one has sent me anything. However, after looking up my name I see a lawsuit was filed by XXXX XXXX, XXXX. This is a bogus lawsuit. The statue of limitations according to the credit report would of expired in 2023. ( 12 cfr s 1006.26 ( b ) I AM ON SOCIAL SECURITY XXXX. I AM XXXX. MY ACCOUNT IS PROTECTED FROM GARNISHMENT. YOU WILL NOT GET ANYTHING FROM ME. They are continuing to harass me. The last report I filed against them was for giving my info out to someone other than me. They are a deceitful company. They need to withdrawal this bogus lawsuit and stop harassing me. 
Remove all the accounts associated with this company, they do not know how to do business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX is illegally violating 1666b by furnishing late payments on consumer open end credit accounts on my XXXX and EXPERIAN Consumer Files. Also transactions and experiences are excluded from Consumer Files.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are potentially reporting collections account that I believe is incorrect. 

The name of the collections agency is XXXX XXXX XXXX ( XXXX ). XXXX is not the original creditor of the account they are trying to collect on and failed to validate the debt with all the information I requested for either than a statement or a copy of the contract. 

XXXX did not provide me with information on how the debt was obtained, how much was paid for it and the amount I owe. 

It's possible that insurance covered this debt whiles I could not pay and unemployed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLLECTION, 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 an account without my written instructions. 

This account is fraudulent, I do not open any account with this company.
Product: Debt collection

Thank you for giving me the oportunity to submit this complaint through your portal. 
I want to dispute the following accounts with Mechanics Bank : 1 ) # XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 2 ) XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 3 ) # XXXX, opened XX/XX/2014, highest balance : {$150000.00}. 

This is the case : This company has been negligent and unfair. They are reporting totally different information across bureaus, and some otrher violations to the California Credit Reporting Act. 

Please send the attached documents to Mechanics Bank. 

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

I HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.
Product: Payday loan, title loan, personal loan, or advance loan

There is a building option to buy, and since last year, I have tried to get a hard money loan through a company called North Prime Lending. On XX/XX/XXXX, the closing instruction came out and I was waiting for it at title company, but the person in charge of the loan did not give me the loan, saying that he died during the operation. 
I sent {$21000.00} over XX/XX/XXXX, XX/XX/XXXX, and XXXX. The person in charge died suddenly, so I talked to the CEO, XXXX XXXX XXXX. When I sent the fee, I lost contact with XXXX. 
Then, in XX/XX/XXXX, I got back on the phone with XXXX. This time, I asked for {$8100.00} as a fee. 
However, I didn't have money, and I paid {$3200.00} more for the prepaid card and wire together. But since then, I have not been able to contact him and the loan has not come out.