23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

purchased prepaid gift card from a XXXXKroger grocery store, {$300.00} applied to card. 
card never worked. it had been deemed lost or stolen several years ago. 
requested replacement card 4 times. the first time it was never sent. the 2nd and 3rd time it was sent to the wrong address ( even though both times the agent confirmed they had the correct address ). the 4th time i spoke with a manager. she was able to confirm that the previous agents had indicated they confirmed my address. she sent a new replacement card. it arrived within the stated timeframe. when it arrived ( XX/XX/XXXX ) i activated the card and verified it had a balance of {$300.00}. i went to use the card yesterday and decided to make sure the card was working. from the website i received an error message. i called the 1-888 number on the back of the card and was told the card ( that has my name on it, that i had activated ) was in someone else 's name and had their home address. i was told i need to fax them a copy of the front & back of the card and my picture ID. i will do this after speaking with one of your agents but i am nervous to send them a copy of my picture ID.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute with XXXX due to Identity theft, shared information with 3rd parties, etc. I filed the report both with XXXX and CFPB ( XXXX ). I now see that they stated that they sent a conclusion statement to me but I never received such a letter. 
I feel this dispute was improperly investigated. XXXX failed to remove errors. 
I supplied adequate documents, including a police report. At the time of the dispute I was a prime level PAYING member of XXXX  and could not get help on the phone nor by mail. XXXX has violated my civil rights and that of a consumer of their services. 
I am requesting that they make restitution and repairs to my report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Pro Collect. Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : XXXX. Pro Collect hasnt properly investigated my disputes. Pro Collect has been a huge problem with no helping me in anyway. XXXX states they have my account open when Im fact it should closed. 
XXXX says the account is past due when it shouldnt be reporting past due. I submitted a dispute back in XXXX, for XXXX XXXX XXXX they have yet to look at my dispute. Its been in dispute status since XX/XX/year>. The payment history is also incorrect and invalid. On all XXXX credit bureaus. They are failing to comply & conduct a proper investigation on all three of the credit bureaus. 
XXXX. Pro-Collect should be sending me a purchase agreement between me & them regarding that I should pay them. If they cant provide that information they cant collect they are hurting my credit report. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to buy a house, or secure a job for my child. 
I have attempted to resolve this matter directly with Pro Collect, but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. 
This debt collector has not given the proper documentation, for this alleged debt so its fraudulent and illegal to collect on a debt if you cant even give me all the information required. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I submitted a request to both XXXX and Equifax advising that XXXX  XXXX or XXXX XXXX  XXXX XXXX  accounts were fraudulently opened ; I have tried going to the credit bureaus and have been unsuccessful as they have been saying it has been " verified as accurate. '' Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS XXXX PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well
Product: Vehicle loan or lease

Me and my son purchased a XXXX XXXX on XX/XX/year> with cash and we have the XXXX XXXX XXXXn hand. Twice, Ally Bank issued a repossession order for his car and a tow company attempted to tow it. This is wrongful repossession because Ally Bank has no claim to this vehicle. We do not, nor have we ever had a loan with Ally Bank. They are attempting to repossess my son 's vehicle under a loan that someone named XXXX XXXX had in the past. The tow company and XXXX XXXX have notified them that they need to take a lien loss. They continue to issue repossession orders. They do not have a perfected lien because the car is clearly under our ownership, not XXXX XXXX and there are no liens on this vehicle. We are fortunate that my son was with the car the two times the tow company attempted to take possession of it. The original police incident number is with the XXXX XXXX XXXX XXXX AZ police department - Incident Number XXXX - XXXX XXXX. On the second attempt, police assistance was not required since the tow company ceased their tow attempt when we produced the XXXX XXXX This is unlawful for Ally Bank to do. I am respectfully submitting this claim to ask that Ally Bank be required to follow lawful business practices and cease attempting to wrongfully repossess my son 's car.
Product: Vehicle loan or lease

I have been paying Santander Consumer for 4 years on my XXXX XXXX XXXX, and I owe the same amount as if I just purchased it.They also just Jack up the amount that they claim I haven't paid on the car to about 3,500.00 and Repo my vehicle. I don't owe this amout, and they took Mr car on XXXX XXXX without my knowledge in a different state. I was informed one time that they would Repo the vehicle about 4 months ago, but I made arrangements to pay, and this is wat I have been doing. This company let me in my small kids XXXX  in Florida cause they illegally Repo my car.Here is a payment his I have been paying when they said they were going to Repo my car.I was working part time, and receiving XXXX until they cut my benefits off I got behind but I made arrangements with them, and I never thought they will go off there word.Here are the payments ... XX/XX/XXXX I PD. XXXX, XXXX I paid XXXX, XX/XX/XXXX I paid XXXX, and they gave me an extension for XXXX, and XXXX in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, in XX/XX/XXXX I made 2 payments for XXXX, and XXXX.It 's not that I haven't been making my payments.They also claim I still owe the same amount as if I just purchased it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021. I have disputed multiple times to XXXX that XXXX Public records that are bankruptcy didnt belong to me. Theyve informed me to contact XXXX XXXX the reporting agency to speak with them. XXXX XXXX investigated and removed the public records that theyre reported to XXXX XXXX They also sent documents with proof that credits were deleted. I provided the document received to XXXX and even sent a certified mail and they refused to update my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding negative information, unauthorized charges on my credit card, incorrect information on my credit report, and deceptive practices by a debt collector. I have made several attempts to resolve this matter but my concerns have not been adequately addressed. I believe that the actions of Credit Bureaus are in violation of consumer protection laws, and I am seeking your assistance in resolving this issue. I have attached copies of relevant documents. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are protected. I am seeking a resolution that includes the removal of inaccurate information from my credit report. The following items need to be removed immediately : XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX  Balance : {$24.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ; XXXX XXXX CA ; XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$820.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial Institution.
Product: Debt collection

First Credit Services is attempting to collect an inaccurate debt for {$110.00} on behalf of XXXX XXXX XXXX. This was for a cancelled personal training service that I was continuously billed for and had to involve my bank. Despite cancelling the service prior to ever utilizing the said service nor signing any recurring billing agreement. Please remove from my credit report with XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX  FOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX  # XXXX {$9400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX>= $1,000,000} XXXX XXXX # XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXXXXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
THANK YOU!
Product: Student loan

When my loans were with Navient I was in forbearance 3 times. I was placed once in XXXX ( XX/XX/XXXX ) and twice in XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was unable to make the payments. I ended having to consolidate in XXXX and then finally learned about XXXX in XXXX when I spoke with a student loan lawyer. I shouldve been notified that I had other options by Navient especially when going into forbearance that many times.
Product: Debt collection

Ive sent Navy Federal two letters No certified mail and they have not been able to validate the debt they claim I owe there for the debt it shouldve been zeroed it has not been cleared! They sent statements and statements do not validate debt! That credit card bill has already been paid from my social security trust account that was created at birth thats why they cant validate it! Theyve been taking money out of my checking account and putting it towards the credit card bill ILEGALLY WITHOUT MY PERMISSION ALL ILLEGAL ACTIVITIES NEED TO CEASE.
Product: Credit card or prepaid card

There was an American express XXXX XXXX  card applied for in my name without my permission I did not apply
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research about these items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ). 

At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
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.

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 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 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.

I applied for two apartments and was denied for both because of the incorrect information that was given to the screening companies. They were given that the information that I had multiple evictions which aren't true!!! I'm still in the apartment that they are claiming that I had the evictions from. This has costed me money and has caused great stress and now I because my lease is ending I will have to live in a hotel to sort things out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX  # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that ONEMAIN # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Product: Debt collection

I am submitting this formal complaint regarding the unlawful actions of Wakefield & Associates, which have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered an account associated with XXXX XXXX ( account number XXXX ) reported by Wakefield & Associates. This account has been placed on my credit report without proper verification that it is mine. Furthermore, I have not been provided with prior notice or the opportunity to dispute this alleged medical debt. These actions constitute clear violations of my rights and protections under the FDCPA and FCRA. 

The placement of this unverified medical debt on my credit report is a direct violation of my rights, and it has resulted in defamation of my character. By reporting this unverified and disputed debt, Wakefield & Associates has publicly presented inaccurate information about me to potential creditors, employers, and others who review my credit report. This can cause irreversible damage to my reputation, financial standing, and credibility. Such defamation has led to undue stress, frustration, and potential financial harm, as it may negatively affect my ability to secure credit, housing, or employment. 

In addition, Wakefield & Associates ' continued efforts to collect on behalf of XXXX XXXX their failure to properly validate the debthas resulted in the improper sharing and use of my personal information, further harming my reputation. 

Wakefield & Associates has violated the following provisions of the FDCPA : 15 U.S.C. 1692e : Engaging in false or misleading representations, including reporting unverified or inaccurate information. 
15 U.S.C. 1692f : Employing unfair practices to collect a debt, such as improperly sharing personal data without validation. 
As a result of these violations, I demand that the aforementioned account be immediately removed from my credit report and that Wakefield & Associates cease all attempts to collect this unverified debt. I also request a thorough investigation into this matter and expect written confirmation of corrective actions within 15 days. Please note that under federal law, Wakefield & Associates is required to verify this debt before reporting it to the credit bureaus.
Product: Credit card

Regarding Citi Costco Visa Card Transaction ID XXXX I checked the merchant concerned the above transaction. 
The Costco manager said this transaction was by cash paid in full. 
I want Citi Costco Visa authority to contact the merchant to confirm this cash payment. 
And remove their charge for {$100.00} from my credit card record. 
I hope this action will conclude the last 4 months of haggling and trouble by the credit issuer to a consumer. 
I would like to obtain Citi reply to this issue. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, Experian ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.